Privacy Policy

This Privacy Policy explains how we collect, use, share and protect your personal information, and sets out your rights under the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and the Privacy and Electronic Communications Regulations 2003.  

Bower Wealth treats the personal information of its customers with the utmost respect and confidentiality. We take reasonable steps to ensure that personal information is stored securely and accurately. Should you have any queries or comments about our use of your personal information then please contact us by e-mail at enquiries@bowerwealth.co.uk. 

Bower Wealth is a trading style of Bower Retirement Limited. Bower Retirement Limited is a company registered in England and Wales, No: 5788110 with its Head Office at Bower, Ongar Business Centre, The Gables, Ongar, Essex CM5 0GA. 

Registered Office: Bower, Ongar Business Centre, The Gables, Fyfield Road, Ongar, CM5 0GA. 

Bower Retirement Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register Number: 451607.  

Bower Retirement Limited is part of Bower Group Limited which is registered in England and Wales number 14018276. 

Bower Retirement Limited Information Commissioner’s Office (ICO) registration number is Z9443391. 

 

What information do we collect about you? 

When you visit our website, request a quote, or use our services, you may be asked to provide personal information about yourself. This may include: Your name, address, date of birth and contact details (email address and telephone number). You may be asked for financial information relevant to the advice or service you have requested, for example pension, savings, protections or investments. We only collect the information that is necessary for the service you have requested, and we will make clear to you at the point of collection which information is required, and why. 

You may be required to co-operate with our security checks before we disclose information to you. 

Consent 

We will collect and process your data with your consent in certain specific situations, for example, before submitting your email contact details when using our online forms. 

When collecting your personal data, we will always make clear to you which data is necessary in connection with a particular service. 

Where special category data is required, for example, details about your health, we will always obtain your explicit consent in order to collect and process this information. 

How will we use this information about you? 

By entering your name, address, telephone and email details, you understand and accept that we may to contact you about any other of our services that we believe may be of interest to you. If you change your mind about being contacted in the future, please email us at enquiries@bowerwealth.co.uk. 

If you enquire about our services through our forms on our website, we will use the information you provide to contact you and further information about our various products and services. 

We use the information we collect about you to update you about new products and services, to improve the services we offer and also to support our marketing efforts. 

We may collect information about the way you use our Website. This information allows us to identify patterns which help us develop and improve our services. 

We may use your information to contact you for your views on our services and to notify you from time to time about important changes to our services.

We use your personal information for the following purposes: 

To provide the financial advice, products or services you have requested 

To administer our relationship with you and to comply with our regulatory and legal obligations 

 

To carry out identity verification and other security checks 

 

To respond to your enquiries and provide you with customer service 

 

To analyse the way our website and services are used, so that we can develop and improve them 

 

To contact you, where you have consented or where we otherwise have a lawful basis to do so, about other products and services offered by Bower Wealth that we believe may be of interest to you. 

 

Marketing 

Where we have your consent, or another lawful basis to do so, we will use your personal information to send you marketing communications about our products and services by post, email, telephone or SMS. If you no longer wish to receive marketing communications from us, you can opt out at any time by contacting us at enquiries@bowerwealth.co.uk, by using the unsubscribe link in any marketing email, or by telling us during a telephone call. In line with the Privacy and Electronic Communications Regulations (PECR), we will not send you electronic marketing without your consent, except where permitted under the “soft opt-in” rules for existing customers. 

 

The systems and platforms we use 

 

To deliver our services, and to manage the marketing described above, your personal information may be held and processed within a number of our internal operational and communications systems, including but not limited to: 

 

Our client relationship management (CRM) system, used to record and manage your details, the advice and services we provide, and our ongoing relationship with you. 

 

Our email platforms, used to send you service-related communications and, where appropriate, marketing communications 

 

Our telephone systems and contact books, used to contact you by phone and, where applicable, to record calls for training, quality assurance and compliance purposes 

 

Our SMS and text messaging platforms, where we contact you by text 

 

Our secure document exchange, client portal and cloud storage systems, used to hold documents and records relating to your case 

 

Our diary and appointment scheduling systems, used to arrange meetings and calls with you. 

 

Our compliance, audit and record-keeping systems, used to meet our obligations under FCA rules. 

 

Any other operational or communications system we may introduce from time to time to deliver our services or administer our business, in each case subject to the same standards of security and confidentiality set out in this Policy 

 

Access to your information within these systems is restricted to members of staff and authorised third parties who need it to perform their role, and all such systems are subject to appropriate technical and organisational security measures. 

 

Cookies 

We use cookies to personalise your visit to this website, monitor your preferences, and track usage of the website. Cookies are small pieces of information stored on the hard drive of a computer by an internet browser. 

This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”).  Google Analytics uses cookies to help us analyse how visitors use our website. Information  generated by the cookie about your use of the website may be transmitted to and stored by Google on servers, which may include servers located outside the UK. Google will use this information to  evaluate your use of the website, compile reports on website activity, and provide other services  relating to website activity and internet usage. Google may transfer this information to third parties where required to do so by law, or where such third parties process it on Google’s behalf. 

You may prevent cookies from being used by adjusting the settings in your internet browser; however, please note this may reduce the functionality of this website. Where required by law, we will ask for your consent to non-essential cookies via a cookie banner when you first visit our website, and you can change your cookie preferences at any time. 

 

Storing your information 

All of the information we collect or record is restricted to our premises and only members of staff who need the information to perform their specific job are granted access to your personal information. 

We follow strict security procedures to make sure that your personal information is not damaged, destroyed, or disclosed to a third party without your permission and to prevent unauthorised access to it. Our storage computers are kept in a secure facility and we use secure firewalls and other measures to restrict electronic access. 

As with all websites, we automatically record ‘log files’ which contain information about our website traffic, for example IP address, pages viewed and amount of time spent on the website. These log files build pictures of how our site is used so we can monitor and improve our service. We are unable to identify you from your log files. 

We will retain your information for a reasonable period of time or for as long as is required by law. 

Who might we share your information with? 

We will not share your information for marketing purposes with organisations outside our group of companies. 

We reserve the right to use and share information about our users, including your IP address, with law enforcement authorities and/or other companies in the same industry as Bower for the purpose of fraud prevention. 

We reserve the right to disclose your information should we enter into a sale or merger with another business. We will not otherwise disclose, sell or distribute your information to any third party without your permission unless we are required to do so by law or for the purpose of fraud prevention. 

Your rights 

Under UK data protection law, you have the right to access, correct, restrict or object to the use of your personal information, and in certain circumstances request that it be deleted or transferred to another organisation. You may also withdraw your consent to receive marketing communications at any time. 

Please note that your right to have information deleted is not absolute. As a regulated financial services firm, we may be required to retain certain records in order to comply with legal and regulatory obligations, including FCA requirements and the defence of legal claims.  

To exercise any of these rights, please contact us at enquiries@bowerwealth.co.uk 

Sharing Your Information 

We may share your personal information with companies within the Bower Group, service providers, professional advisers, product providers, regulatory authorities, law enforcement agencies, or where required by law. In the event of a sale, merger or transfer of all or part of our business, your personal information may also be shared with the prospective new owner.  

International Transfers.  

To deliver our services and operate our website effectively, we work with several global technology providers, including, but not limited to, Google (Analytics and Tag Manager), Meta (advertising and communication tools), and Microsoft (Bing search technologies). These companies may process personal information on servers located outside the United Kingdom. 

Where your personal information is transferred or stored outside the UK, we ensure that appropriate safeguards are in place in accordance with the UK GDPR. 

We only transfer personal information internationally where it is necessary for the operation of our website, analytics, communications, or service delivery, and only where compliant safeguards are in place. 

If you would like more information about international transfers or the safeguards we use, please contact us at enquiries@bowerwealth.co.uk. 

Changes to our Privacy Policy 

We may change our Privacy Policy from time to time. Any changes to our policy will be posted on this page of our Website. This Privacy Policy was last updated on 16th July 2026 

Important Notice – sending funds electronically to our bank account: 

If you receive any communication indicating any change to our bank details or a request for money then you should immediately call our Accounts Department on 0808 501 5282 or 0800 411 8668 to confirm authenticity before you send any money or communicate further.