OUR Privacy Policy

This Data Protection and Privacy Policy describes the type of personal information we may collect, the purposes for which we use the information, the circumstances in which we may share the information and the steps we take to safeguard the information to protect your privacy.

1. Who is responsible for your data

Stocktrade is a trading name of Alliance Trust Savings Limited. References in this Data Protection and Privacy Policy to “Alliance Trust Savings”, “we”, “us” or “our” mean Alliance Trust Savings Limited (a company registered in Scotland with registration no SC098767 and registered office at PO BOX 164 8 West Marketgait, Dundee, DD1 9YP). We control the ways your personal information is collected and the purposes for which your personal information is used by Alliance Trust Savings and are the “data controller” for the purposes of data protection and data privacy legislation applicable in the UK (“Data Protection Laws”).

Alliance Trust Savings is a member of the Alliance Trust group of companies (“Alliance Trust Group”) which also includes Alliance Trust PLC, and Alliance Trust Equity Partners Limited. Further details of the Alliance Trust Group are set out in the report and accounts for Alliance Trust PLC which are available at www.alliancetrust.co.uk.

Our website links to other websites, which will have their own privacy policies and terms.

2. Personal information we collect and how we collect it

We will only retain personal information for as long as is necessary to carry out the purposes stated below and in Section 4 or as is required by applicable legislation or other regulation.

We will treat personal information as private and confidential and we will not disclose the information except in the circumstances set out under section 5 below.

We will collect personal information about you including, name; residential correspondence and email address; phone number, national insurance number, national personal identifier, tax reference number; passport number, date, town and country of birth; payment card and, bank account details; any authorised person nominated or appointed by you and any financial adviser; beneficiary and employer details; and the internet protocol (IP) address used to connect your computer to the internet and your geographic location.

From time to time we may also collect sensitive personal information (such as matters relating to your health) in order to provide our services to you. Where this is the case, we will always ask for your explicit consent to record this information at the time we collect it.

We may collect details of how you use our website and the attachments you may open with newsletters that are sent to you electronically. We may use cookies and similar technologies on our websites and in our emails. These technologies do many different things, such as letting you navigate between web pages efficiently and remembering your preferences. In emails they help us to understand whether you have opened the email and how you have interacted with it. Our cookies policy under the "Related items" above gives you more information on these technologies, how and where we use them and how you can control them.

We will also collect personal information about you when you apply to use our services and then during the course of our relationship with you. We may collect this information in various ways including, from:

  • applications or forms that you or someone acting on your behalf may complete or agreements that you may enter into with us;
  • emails, letters and during telephone calls, when you register for services, in customer surveys and when you participate in competitions and promotions; and
  • other Alliance Trust Group companies receive from each other and from other organisations such as fraud prevention agencies.

You are not obliged to supply any of the personal information that we may request. However, failure to do so may result in us not being able to act on your instructions or provide our services to you or may result in us having to report you to a competent authority such as HM Revenue and Customs.

3. Recording and monitoring phone calls

We will record and monitor phone calls in case we need to check that we have carried out your instructions correctly, to resolve queries or complaints, for regulatory purposes, to help improve our services and to help detect and prevent fraud. Monitoring may also be undertaken for staff training purposes.

4. How we use your personal information

We will use personal information for the following purposes:

  • responding to your requests and processing applications;
  • providing our services in accordance with the Terms and Conditions for the relevant product;
  • complying with regulatory requirements and our other legal obligations including the prevention of fraud and money laundering;
  • complying with a request for disclosure by a competent authority;
  • complying with any reasonable request for information from a person with a legal right to it, such as your personal representatives following your death or your trustee in bankruptcy following your bankruptcy;
  • developing and improving our services, and to tell you about changes to our services;
  • providing you by letter, telephone, email or website with:
    • any information that we consider that we need to send you in order to comply with regulatory and other legal requirements (including the obligation to treat customers fairly) including annual statements and details of regulatory changes affecting your use of our services;
    • market news and investment information;
    • details of any of our services that we consider may be of interest to you, provided you have consented to be contacted for such purposes; and
    • carrying out market research and analysis and obtaining feedback from you on our services.

We may use information from third parties and/or aggregate your personal information with data from third-party sources for these purposes.

We also use automated decisions based on personal information we have or collect about you in order to verify your identity or to comply with antimoney laundering legislation. The use of such systems is only undertaken for website applications and will not result in an automatic refusal of a website application.

We rely on the following legal bases to process and use your information:

  • processing is necessary for the performance of the services we provide to you in accordance with the Terms and Conditions of the relevant product;
  • processing is necessary for the purposes of our legitimate business interests including:
    • where processing enables us to enhance, modify, personalise or otherwise improve our services for the benefit of our customers;
    • to develop new products and services;
    • to enhance the security of our network and information systems;
    • to better understand how people interact with our websites;
    • to determine the effectiveness of promotional campaigns and advertising; and
    • to promote further sales of our products and services;
  • processing is necessary for compliance with a legal obligation; and
  • processing is carried out where you have provided your consent.
5. How we share information

We may disclose and share personal information with:

  • other companies within the Alliance Trust Group;
  • third parties including, credit referencing, fraud prevention, regulatory and law enforcement agencies to investigate or prevent crime;
  • our agents and sub-contractors who administer or process the information on our behalf;
  • market research companies who may assist us in improving our products and services for you;
  • any providers of IT solutions including platform support, cloud-based storage and applications for sales, services and marketing;
  • our professional advisers;
  • our insurers and any intermediary brokers;
  • our bankers and other companies to facilitate payments, including direct debit payments; and
  • certain companies (including investment trusts) and funds in which you invest, and to mailing houses which they use, as required by law or regulation or to enable such companies or funds to send you information in relation to the company or Fund.

We may also need to disclose some personal information with other parties, such as potential buyers of some or all of our business or during a restructuring. The recipient of the information will be bound by confidentiality obligations.

We may disclose and share your personal information and information concerning your account and transactions with companies with whom you have accounts which may include Self-Invested Personal Pension (SIPP), Individual Savings Account (ISA) or General Investment Account (GIA) providers, and in respect of which we provide you with share dealing or custody services, as required by law or regulation or pursuant to contractual arrangements with such companies.

We may also disclose information concerning your account and transactions as required by law or regulation to any of the following if requested:

  • HM Revenue & Customs (HMRC);
  • Financial Conduct Authority (FCA); and
  • Prudential Regulation Authority (PRA);
  • Information Commissioner’s Office (ICO);
  • Competition & Markets Authority (CMA); and
  • any other competent regulatory, governmental or law enforcement authority.

We also have obligations under the European Union tax rules and agreements and tax treaties with worldwide jurisdictions which require us to provide certain information about you as the beneficial owners of your investments to other appropriate authorities in such member states and other worldwide jurisdictions.

Your personal information may be transferred to or accessed from other countries (including those outside the European Economic Area) and processed for us in those countries on the basis that anyone we pass it to will provide a level of protection equivalent to the Data Protection Laws. Such information may be accessed by local law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations. Further details as to where your data may be transferred and the basis for such transfers can be found at stocktrade.co.uk/non-eea-processing.html.

6. Your rights

This section explains the rights you have under Data Protection Laws with respect to how your personal information is held and used by us. If you wish to request to exercise any of these rights, you can contact us using the details set out in section 9 below. We will grant your request only to the extent that it follows from our assessment of your request that we are allowed and required to do so under Data Protection Laws.

Where we rely on consent as the legal basis for processing your personal information, you have the right to withdraw your consent at any time. This will not affect the lawfulness of any processing of your personal information that we carried out before your withdrawal.

You have the right to access the information we hold about you, free of charge. You have the right to ask us (and third parties to whom we transfer your personal information) to rectify your personal information if it becomes inaccurate. In order for us to do so, you must inform us of any changes to your personal information so that we can keep it up-to-date.

You have the right to ask us to erase your personal information if:

  • you withdraw your consent to our processing of your personal information; or
  • your personal information has been processed unlawfully by us; or
  • your personal information is no longer necessary for the purposes for which it was collected by us; or
  • you object to us processing your personal information on grounds relating to your personal situation.

We do not have to comply with a request to erase your personal information if we need to use that personal information for our overriding legitimate business interests or as may otherwise be required by law. We will not be able to provide our products or services to you if you ask us to erase your personal information.

You have the right to restrict our processing of your personal information if:

  • you contest the accuracy of the personal information held by us (for a period enabling us to verify the accuracy of the information);
  • our processing activities are unlawful; or
  • we no longer need your personal information but you would like us to retain it to ensure its continued availability to you in connection with any legal claims; or
  • you object to us processing your personal information on grounds relating to your personal situation and it is still to be confirmed whether our legitimate grounds override your right to object.

You have certain rights to obtain and reuse your personal information for your own purposes across different organisations (for example, if you wish to move to a new financial services provider, this enables you to move, copy or transfer your personal information easily between our IT systems and theirs). This applies only to your personal information that we are processing with your consent or as required for the purposes of fulfilling a contract with you, and which is being processed by automated means. In these circumstances, you have the right to obtain your personal information from us in a usable format and for that personal information to be transmitted to another company, where this is feasible.

If you believe our processing of your personal information does not comply with data protection law, you can make a complaint to the Information Commissioner’s Office (ICO) using the following details:

Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
T: 0303 123 1113
W: https://ico.org.uk/

7. Keeping information up-to-date

Please let us know if the personal information that we hold about you needs to be updated or is incorrect.

8. Keeping personal information secure

We will take reasonable technical and organisational security measures to safeguard all personal information. Personal information is stored securely on our computer system and/or in a secure filing system, and we restrict access to those who have a need to know. We provide training and education to our staff on Information security.

However, you acknowledge that the use of the internet is not entirely secure and for this reason we cannot guarantee the security of any personal information which is transferred through the internet or email.

Internet communications are not secure unless the data being sent is encrypted. We cannot accept any responsibility for unauthorised access by a third party or the corruption of data sent to us. For security purposes we may monitor emails received or issued by us.

9. Contact

If you have any questions, would like to talk to someone about this Data Protection and Privacy Policy, access your personal information or make a complaint about how we’ve handled your information, please contact us at:

Stocktrade PO Box 164
8 West Marketgait Dundee
DD1 9YP
T: 0131 240 0400
E: fit@stocktrade.co.uk

How we use cookies

By using the Alliance Trust Savings website and checking the box, you're confirming that you're happy to accept our use of cookies. Here you can find out more about how we use them.

What are cookies?

A cookie is a small text file that a website – when visited by a user – asks your browser to store on your device. Your web browser then sends these cookies back to the website or application on each subsequent visit so that they can recognise you and remember things specific to you such as personalised details, or preferences. These cookies are set by us and called first party cookies. We also use third party cookies – which are cookies from a domain different than the domain of the website you are visiting – for our advertising and marketing efforts.

What do cookies do?

  • Assist website navigation
  • Assist in registration to our events, login, and your ability to provide feedback
  • Analyse your use of our products, services or applications
  • Assist with our promotional and marketing efforts (including behavioural advertising);
  • Improve the speed/security of the site
  • Allow you to share pages on social networks
  • Make improvements to our website

We do not use Cookies to:

  • Collect any personally identifiable information (without your express permission)
  • Collect any sensitive information (without your express permission)
  • Pass personally identifiable data to third parties.

Are cookies safe?

Yes, cookies are harmless text files. They can't look into your computer or read any personal information or other material on your hard drive. Cookies can't carry viruses or install anything harmful on your computer. Why should I keep cookies switched on?

We advise you to keep cookies active during your visits to our website because parts of the site rely on them to work properly. For example, you may not be able to access your account or apply for new products if your cookies are disabled.

Types of cookies we use

The Alliance Trust Savings website uses only a small amount of cookies. These are listed below

Our cookies

Below is a detailed list of the cookies we use on our website. Our website is scanned with our cookie scanning tool regularly to maintain a list as accurately as possible. We classify cookies in the following categories:

  • Strictly Necessary Cookies
  • Performance Cookies
  • Third Party Cookies

Strictly Necessary Cookies

These cookies are necessary for our website to function and cannot be switched off in our systems. They are only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms.

You can set your browser to block or alert you about these cookies, but some parts of the site may then not work. These cookies will not store any personally identifiable information.

Cookie Name Expiration Time Description
Adviser confirmation cookie 1 year Used to ensure that the user is aware that they are entering an adviser site. The cookie holds no personal data.
IPO acceptance cookie 1 year Used to track acceptance of the important information. (this cookie has an expiration date set into the coding) It does not hold or track personal data

Performance Cookies

These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our website. They help us to know which pages are the most and least popular and see how visitors move around the website.

All information that these cookies collect is aggregated or masked and therefore anonymous.

Our website uses Google Analytics to gather information allowing us to understand interactions with our websites and ultimately refine that experience to better serve you. Google Analytics uses a set of cookies via the ga.js library to record information about what a user has seen or done on a particular page. It sets these cookies at the domain specified in the document.host browser property and with the root level path.

Cookie Category Cookie Owner Cookie Purpose
_ga 2 years Used to distinguish users.
_gid 24 hours Used to distinguish users.
_gat 1 minute Used to throttle request rate.
AMP_TOKEN 30 seconds to 1 year Contains a token that can be used to retrieve a Client ID from AMP Client ID service. Other possible values indicate opt-out, inflight request or an error retrieving a Client ID from AMP Client ID service.
_gac_<property-id> 90 days Contains campaign related information for the user. Adwords website conversion tags will read this cookie.
__utma 2 years from set/update Used to distinguish users and sessions. The cookie is created when the javascript library executes and no existing __utma cookies exists. The cookie is updated every time data is sent to Google Analytics.
__utmt 10 minutes Used to throttle request rate.
__utmb 30 mins from set/update Used to determine new sessions/visits. The cookie is created when the javascript library executes and no existing __utmb cookies exists. The cookie is updated every time data is sent to Google Analytics.
___utmc End of browser session Not used in ga.js. Set for interoperability with urchin.js. Historically, this cookie operated in conjunction with the __utmb cookie to determine whether the user was in a new session/visit.
__utmz 6 months from set/update Stores the traffic source or campaign that explains how the user reached your site. The cookie is created when the javascript library executes and is updated every time data is sent to Google Analytics.
___utmv 2 years from set/update Used to store visitor-level custom variable data. This cookie is created when a developer uses the _setCustomVar method with a visitor level custom variable. This cookie was also used for the deprecated _setVar method. The cookie is updated every time data is sent to Google Analytics.

Third Party Cookies

We use third party services which may also set cookies on your browser, for example YouTube and LinkedIn. These third party suppliers are responsible for the cookies they set on your browser. If you want further information please go to the website for the relevant third party. You will find additional information in the table below.

Managing cookies

You have a number of options when it comes to receiving cookies.

Finding out more

The links below will direct you to sections from each of the major browsers so that you can find out more about how to manage cookies.

Google Chrome

View the Google Chrome instructions

Internet Explorer

View the Internet Explorer instructions

Safari

View the Safari instructions

Firefox

View the Firefox instructions

Opera

View the Opera instructions

To find out more about how to manage and delete cookies, visit www.aboutcookies.org.uk or www.allaboutcookies.org.uk.