We, us or our - Lowes Financial Management Limited a company registered in (England and Wales) (company number 1115681) and having its registered office at Fernwood House, Clayton Road, Jesmond, Newcastle upon Tyne, NE2 1TL.)

Contact information - these are details that can be used to contact a person, including title, first name, surname, personal telephone number, fax, email address, home address, country, postcode or city of residence. This may also include work contact information such as work telephone number, fax, work email and work address.

Data controller - means a natural or legal person (such as a company) which determines the means and purposes of processing of personal data. For example, we are your data controller as we determine how we will collect personal data from you, the scope of data which will be collected, and the purposes for which it will be used in the course of us providing you with intermediary services.

Data processor - means a natural or legal person (such as a company) which processes personal data on behalf of the controller.

Processing - means any operation or set of operations which is performed upon personal data or sets of personal data, whether or not by automated means, such as collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, erasure or destruction.

Personal data - means any information relating to an identified or identifiable natural person ('data subject'); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.

Special category - The EU GDPR refers to sensitive personal data as “special categories of personal data”. The special categories specifically include genetic data, and biometric data where processed to uniquely identify an individual. Personal data relating to criminal convictions and offences are not included, but similar extra safeguards apply to its processing.

Data protection regulation - applicable data privacy and protection laws.

Employment status - this is information about your work, if you are employed, self-employed, unemployed, a student or on job seeker allowance.

FCA - the Financial Conduct Authority, being the independent watchdog that regulates financial services.

Financial details - this is information relating to your financial status, including salary/income, outgoings/expenditure, tax rate and P60.

Health information - this is information relating to your medical history, including symptoms, diagnoses, procedures and outcomes, as well as information about your height and weight. This could include previous and current or persistent medical conditions and family medical history.

Identity information - this is any information that can be used to distinguish a person or verify their identity, such as name, date of birth, place of birth, gender, marital status, national identity card/number, passport, drivers licence and national insurance number.

Intermediary services - these are the services we provide to you in relation to the products, which may include initial and ongoing advice and services in respect of investment pension or protection products.

Lifestyle information - this includes both work and leisure behaviour patterns. Most relevant to your products may be your smoker status, alcohol consumption, health, retirement age and exercise habits.

Product provider - this is a plan type such as an investment, pension or protection product in respect of which we provide intermediary services to you.

Sanction check information - this is information relating to your politically exposed persons (PEPs) status and Her Majesty’s Treasury financial sanctions status, which is recorded to prevent fraud and money laundering.

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