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1.0 – October 2025. Reviewed annually or following material changes. Laurel North Ltd, an Appointed Representative of Sense Network Ltd, which is authorised and regulated by the Financial Conduct Authority, is committed to protecting your privacy. This privacy notice explains how we use any personal information we collect about you.

What information do we collect about you? 
We collect information about you when you request us to provide you with quotes for our services and engage us for financial planning or investment advice.  This information will relate to your personal and financial circumstances. It may also include special categories of personal data such as health information, if this is necessary for the provision of our services.

We may also collect information when you voluntarily complete client surveys or provide feedback to us.

Information relating to usage of our website is collected using cookies. These are text files placed on your computer to collect standard internet log information and visitor behaviour information. We’ll use your information collected from the website to personalise your repeat visits to the site.

We try at all times to keep all personal data collected and processed accurate and up-to-date. We check the accuracy of data when it is collected and at regular intervals thereafter. 
 Where any inaccurate or out-of-date data is found, all reasonable steps will be taken to amend or erase that data, as appropriate.

Information about connected individuals 
We may need to gather personal information about your close family members or dependents in order to provide our service to you effectively. Where this applies, it is your responsibility to ensure that any individuals whose information you provide are aware that you are sharing their data with us for this purpose. A copy of our Privacy Notice is available on request, and you may share it with them at any time.   Why do we need to collect and use your personal data? 
The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you.  The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data, we’d also be unable to fulfil our legal and regulatory obligations.

Where special category data is required we’ll obtain your explicit consent in order to collect and process this information.

How will we use the information about you? 
We collect information about you in order to provide you with the services for which you engage us.

Who might we share your information with? 
Sense Network Ltd, as the regulated principal of our firm, is also a data controller for your personal data.  In certain circumstances, we or they may inform you about how you can access their privacy notices,  which will give further information as to how they use your personal data and how you can exercise your rights in relation to your personal data.

In order to deliver our services to you effectively we may also send your details to third parties such as those that we engage for professional compliance, accountancy, or legal services as well as product and platform providers that we use to arrange financial products for you.

Where third parties are involved in processing your data we’ll have a contract in place with them to ensure that the nature and purpose of the processing is clear,  that they are subject to a duty of confidence, and that they’ll only act in accordance with our written instructions.

Where it’s necessary for your personal data to be forwarded to a third party we’ll use appropriate security measures to protect your personal data in transit, such as password protection and/or encryption.

To fulfil our obligations in respect of prevention of money-laundering and other financial crime we may send your details to third party agencies for identity verification purposes.

We may, with your explicit consent, introduce you to trusted professional partners such as accountants or solicitors, where we believe their services may be relevant to your circumstances. We’ll only do so with your agreement and will not share your information for marketing purposes with any unrelated companies.

How long do we keep hold of your information? 
During the course of our relationship with you we’ll retain personal data which is necessary to provide services to you.  We’ll take all reasonable steps to keep your personal data up to date throughout our relationship.

We are also subject to regulatory requirements to retain your data for specified minimum periods. These are, generally: Five years for investment business Three years for mortgage business Indefinitely for pension transfers and opt-out business Three years for insurance business These are minimum periods, during which we have a legal obligation to retain your records.  We reserve the right to retain data for longer where we believe it's in our legitimate interests to do so.

When determining the appropriate retention period, we consider the risks of the processing, our contractual, legal and regulatory obligations, internal retention policies and our legitimate business interests as described in this privacy notice.

You have the right to request deletion of your personal data. We’ll comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.

How can I access the information you hold about me? 
You have the right to request a copy of the information that we hold about you. If you’d like a copy of some or all of your personal information please email or write to us using the contact details noted below.

You may make a subject access request (“SAR”) at any time to find out more about the personal data which we hold about you.

We are usually required to respond to SARs within one month of receipt.  All subject access requests must be sent to our \"Data Protection Officer\".

 We do not charge a fee for the handling of normal SARs.

You also have the following rights in respect of your personal data: the right to be informed, rectified, erased, restricted, or objected to processing; the right to data portability; and the right to understand automated decision-making and profiling. These rights may be subject to limitations where we are required by law or regulation to retain certain records, for example to meet FCA or anti-money-laundering obligations or to defend potential claims.

Automated decision making and profiling 
We may use tools such as online risk profilers and cashflow modelling software to support our advice process.  These tools assist in assessing your circumstances and illustrating financial projections but do not make decisions without human involvement. Marketing 
We’d like to send you information about our products and services which may be of interest to you.  If you’ve agreed to receive marketing information, you may opt out at any time by contacting us or clicking unsubscribe links where applicable.

Cookies
 We use cookies to track visitor use of the website and to compile statistical reports on website activity.  For further information visit http://www.allaboutcookies.org/ 

Other websites
 Our website contains links to other websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies.

What can you do if you are unhappy with how your personal data is processed? 
You have the right to lodge a complaint with the Information Commissioner's Office (ICO): 
Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF. Tel: 0303 123 1113.

Changes to our privacy policy 
 We keep our privacy policy under regular review and we’ll place any updates on this web page. 
 This privacy policy was last updated on 7th October 2025

 How to contact us 
Please contact us if you have any questions about our privacy policy or information we hold about you by email at stephanie@laurelnorth.co.uk or write to us at 37 Elmwood Park Gardens, Newcastle upon Tyne, NE13 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1.0 – October 2025. Reviewed annually or following material changes.\n\nLaurel North Ltd, an Appointed Representative of Sense Network Ltd, which is authorised and regulated by the Financial Conduct Authority, is committed to protecting your privacy. This privacy notice explains how we use any personal information we collect about you.

What information do we collect about you?\n
We collect information about you when you request us to provide you with quotes for our services and engage us for financial planning or investment advice.  This information will relate to your personal and financial circumstances. It may also include special categories of personal data such as health information, if this is necessary for the provision of our services.

We may also collect information when you voluntarily complete client surveys or provide feedback to us.

Information relating to usage of our website is collected using cookies.\n\nThese are text files placed on your computer to collect standard internet log information and visitor behaviour information. We’ll use your information collected from the website to personalise your repeat visits to the site.

We try at all times to keep all personal data collected and processed accurate and up-to-date. \n\nWe check the accuracy of data when it is collected and at regular intervals thereafter. 
\nWhere any inaccurate or out-of-date data is found, all reasonable steps will be taken to amend or erase that data, as appropriate.

Information about connected individuals\n
We may need to gather personal information about your close family members or dependents in order to provide our service to you effectively. Where this applies, it is your responsibility to ensure that any individuals whose information you provide are aware that you are sharing their data with us for this purpose.\nA copy of our Privacy Notice is available on request, and you may share it with them at any time.\n\n \nWhy do we need to collect and use your personal data?\n
The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you.  The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data, we’d also be unable to fulfil our legal and regulatory obligations.

Where special category data is required we’ll obtain your explicit consent in order to collect and process this information.

How will we use the information about you?\n
We collect information about you in order to provide you with the services for which you engage us.

Who might we share your information with?\n
Sense Network Ltd, as the regulated principal of our firm, is also a data controller for your personal data.  In certain circumstances, we or they may inform you about how you can access their privacy notices,  which will give further information as to how they use your personal data and how you can exercise your rights in relation to your personal data.

In order to deliver our services to you effectively we may also send your details to third parties such as those that we engage for professional compliance, accountancy, or legal services as well as product and platform providers that we use to arrange financial products for you.

Where third parties are involved in processing your data we’ll have a contract in place with them to ensure that the nature and purpose of the processing is clear,  that they are subject to a duty of confidence, and that they’ll only act in accordance with our written instructions.

Where it’s necessary for your personal data to be forwarded to a third party we’ll use appropriate security measures to protect your personal data in transit, such as password protection and/or encryption.

To fulfil our obligations in respect of prevention of money-laundering and other financial crime we may send your details to third party agencies for identity verification purposes.

We may, with your explicit consent, introduce you to trusted professional partners such as accountants or solicitors, where we believe their services may be relevant to your circumstances. We’ll only do so with your agreement and will not share your information for marketing purposes with any unrelated companies.

How long do we keep hold of your information?\n
During the course of our relationship with you we’ll retain personal data which is necessary to provide services to you.  We’ll take all reasonable steps to keep your personal data up to date throughout our relationship.

We are also subject to regulatory requirements to retain your data for specified minimum periods.\n\nThese are, generally:\nFive years for investment business\nThree years for mortgage business\nIndefinitely for pension transfers and opt-out business\nThree years for insurance business\n\nThese are minimum periods, during which we have a legal obligation to retain your records.  We reserve the right to retain data for longer where we believe it's in our legitimate interests to do so.

When determining the appropriate retention period, we consider the risks of the processing, our contractual, legal and regulatory obligations, internal retention policies and our legitimate business interests as described in this privacy notice.

You have the right to request deletion of your personal data. We’ll comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.

How can I access the information you hold about me?\n
You have the right to request a copy of the information that we hold about you.\nIf you’d like a copy of some or all of your personal information please email or write to us using the contact details noted below.

You may make a subject access request (“SAR”) at any time to find out more about the personal data which we hold about you.

We are usually required to respond to SARs within one month of receipt.  All subject access requests must be sent to our \"Data Protection Officer\".

 We do not charge a fee for the handling of normal SARs.

You also have the following rights in respect of your personal data:\n\nthe right to be informed, rectified, erased, restricted, or objected to processing; the right to data portability; and the right to understand automated decision-making and profiling.\nThese rights may be subject to limitations where we are required by law or regulation to retain certain records, for example to meet FCA or anti-money-laundering obligations or to defend potential claims.

Automated decision making and profiling\n
We may use tools such as online risk profilers and cashflow modelling software to support our advice process.  These tools assist in assessing your circumstances and illustrating financial projections but do not make decisions without human involvement.\n\nMarketing\n
We’d like to send you information about our products and services which may be of interest to you.  If you’ve agreed to receive marketing information, you may opt out at any time by contacting us or clicking unsubscribe links where applicable.

Cookies
\nWe use cookies to track visitor use of the website and to compile statistical reports on website activity.  For further information visit http://www.allaboutcookies.org/ 

Other websites
\nOur website contains links to other websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies.

What can you do if you are unhappy with how your personal data is processed?\n
You have the right to lodge a complaint with the Information Commissioner's Office (ICO): 
Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF. Tel: 0303 123 1113.

Changes to our privacy policy\n
 We keep our privacy policy under regular review and we’ll place any updates on this web page. 
 This privacy policy was last updated on 7th October 2025

 How to contact us\n
Please contact us if you have any questions about our privacy policy or information we hold about you by email at stephanie@laurelnorth.co.uk or write to us at 37 Elmwood Park Gardens, Newcastle upon Tyne, NE13 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Reviewed annually or following material changes. Laurel North Ltd, an Appointed Representative of Sense Network Ltd, which is authorised and regulated by the Financial Conduct Authority, is committed to protecting your privacy. This privacy notice explains how we use any personal information we collect about you.

What information do we collect about you? 
We collect information about you when you request us to provide you with quotes for our services and engage us for financial planning or investment advice.  This information will relate to your personal and financial circumstances. It may also include special categories of personal data such as health information, if this is necessary for the provision of our services.

We may also collect information when you voluntarily complete client surveys or provide feedback to us.

Information relating to usage of our website is collected using cookies. These are text files placed on your computer to collect standard internet log information and visitor behaviour information. We’ll use your information collected from the website to personalise your repeat visits to the site.

We try at all times to keep all personal data collected and processed accurate and up-to-date. We check the accuracy of data when it is collected and at regular intervals thereafter. 
 Where any inaccurate or out-of-date data is found, all reasonable steps will be taken to amend or erase that data, as appropriate.

Information about connected individuals 
We may need to gather personal information about your close family members or dependents in order to provide our service to you effectively. Where this applies, it is your responsibility to ensure that any individuals whose information you provide are aware that you are sharing their data with us for this purpose. A copy of our Privacy Notice is available on request, and you may share it with them at any time.   Why do we need to collect and use your personal data? 
The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you.  The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data, we’d also be unable to fulfil our legal and regulatory obligations.

Where special category data is required we’ll obtain your explicit consent in order to collect and process this information.

How will we use the information about you? 
We collect information about you in order to provide you with the services for which you engage us.

Who might we share your information with? 
Sense Network Ltd, as the regulated principal of our firm, is also a data controller for your personal data.  In certain circumstances, we or they may inform you about how you can access their privacy notices,  which will give further information as to how they use your personal data and how you can exercise your rights in relation to your personal data.

In order to deliver our services to you effectively we may also send your details to third parties such as those that we engage for professional compliance, accountancy, or legal services as well as product and platform providers that we use to arrange financial products for you.

Where third parties are involved in processing your data we’ll have a contract in place with them to ensure that the nature and purpose of the processing is clear,  that they are subject to a duty of confidence, and that they’ll only act in accordance with our written instructions.

Where it’s necessary for your personal data to be forwarded to a third party we’ll use appropriate security measures to protect your personal data in transit, such as password protection and/or encryption.

To fulfil our obligations in respect of prevention of money-laundering and other financial crime we may send your details to third party agencies for identity verification purposes.

We may, with your explicit consent, introduce you to trusted professional partners such as accountants or solicitors, where we believe their services may be relevant to your circumstances. We’ll only do so with your agreement and will not share your information for marketing purposes with any unrelated companies.

How long do we keep hold of your information? 
During the course of our relationship with you we’ll retain personal data which is necessary to provide services to you.  We’ll take all reasonable steps to keep your personal data up to date throughout our relationship.

We are also subject to regulatory requirements to retain your data for specified minimum periods. These are, generally: Five years for investment business Three years for mortgage business Indefinitely for pension transfers and opt-out business Three years for insurance business These are minimum periods, during which we have a legal obligation to retain your records.  We reserve the right to retain data for longer where we believe it's in our legitimate interests to do so.

When determining the appropriate retention period, we consider the risks of the processing, our contractual, legal and regulatory obligations, internal retention policies and our legitimate business interests as described in this privacy notice.

You have the right to request deletion of your personal data. We’ll comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.

How can I access the information you hold about me? 
You have the right to request a copy of the information that we hold about you. If you’d like a copy of some or all of your personal information please email or write to us using the contact details noted below.

You may make a subject access request (“SAR”) at any time to find out more about the personal data which we hold about you.

We are usually required to respond to SARs within one month of receipt.  All subject access requests must be sent to our \"Data Protection Officer\".

 We do not charge a fee for the handling of normal SARs.

You also have the following rights in respect of your personal data: the right to be informed, rectified, erased, restricted, or objected to processing; the right to data portability; and the right to understand automated decision-making and profiling. These rights may be subject to limitations where we are required by law or regulation to retain certain records, for example to meet FCA or anti-money-laundering obligations or to defend potential claims.

Automated decision making and profiling 
We may use tools such as online risk profilers and cashflow modelling software to support our advice process.  These tools assist in assessing your circumstances and illustrating financial projections but do not make decisions without human involvement. Marketing 
We’d like to send you information about our products and services which may be of interest to you.  If you’ve agreed to receive marketing information, you may opt out at any time by contacting us or clicking unsubscribe links where applicable.

Cookies
 We use cookies to track visitor use of the website and to compile statistical reports on website activity.  For further information visit http://www.allaboutcookies.org/ 

Other websites
 Our website contains links to other websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies.

What can you do if you are unhappy with how your personal data is processed? 
You have the right to lodge a complaint with the Information Commissioner's Office (ICO): 
Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF. Tel: 0303 123 1113.

Changes to our privacy policy 
 We keep our privacy policy under regular review and we’ll place any updates on this web page. 
 This privacy policy was last updated on 7th October 2025

 How to contact us 
Please contact us if you have any questions about our privacy policy or information we hold about you by email at stephanie@laurelnorth.co.uk or write to us at 37 Elmwood Park Gardens, Newcastle upon Tyne, NE13 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1.0 – October 2025. Reviewed annually or following material changes.\n\nLaurel North Ltd, an Appointed Representative of Sense Network Ltd, which is authorised and regulated by the Financial Conduct Authority, is committed to protecting your privacy. This privacy notice explains how we use any personal information we collect about you.

What information do we collect about you?\n
We collect information about you when you request us to provide you with quotes for our services and engage us for financial planning or investment advice.  This information will relate to your personal and financial circumstances. It may also include special categories of personal data such as health information, if this is necessary for the provision of our services.

We may also collect information when you voluntarily complete client surveys or provide feedback to us.

Information relating to usage of our website is collected using cookies.\n\nThese are text files placed on your computer to collect standard internet log information and visitor behaviour information. We’ll use your information collected from the website to personalise your repeat visits to the site.

We try at all times to keep all personal data collected and processed accurate and up-to-date. \n\nWe check the accuracy of data when it is collected and at regular intervals thereafter. 
\nWhere any inaccurate or out-of-date data is found, all reasonable steps will be taken to amend or erase that data, as appropriate.

Information about connected individuals\n
We may need to gather personal information about your close family members or dependents in order to provide our service to you effectively. Where this applies, it is your responsibility to ensure that any individuals whose information you provide are aware that you are sharing their data with us for this purpose.\nA copy of our Privacy Notice is available on request, and you may share it with them at any time.\n\n \nWhy do we need to collect and use your personal data?\n
The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you.  The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data, we’d also be unable to fulfil our legal and regulatory obligations.

Where special category data is required we’ll obtain your explicit consent in order to collect and process this information.

How will we use the information about you?\n
We collect information about you in order to provide you with the services for which you engage us.

Who might we share your information with?\n
Sense Network Ltd, as the regulated principal of our firm, is also a data controller for your personal data.  In certain circumstances, we or they may inform you about how you can access their privacy notices,  which will give further information as to how they use your personal data and how you can exercise your rights in relation to your personal data.

In order to deliver our services to you effectively we may also send your details to third parties such as those that we engage for professional compliance, accountancy, or legal services as well as product and platform providers that we use to arrange financial products for you.

Where third parties are involved in processing your data we’ll have a contract in place with them to ensure that the nature and purpose of the processing is clear,  that they are subject to a duty of confidence, and that they’ll only act in accordance with our written instructions.

Where it’s necessary for your personal data to be forwarded to a third party we’ll use appropriate security measures to protect your personal data in transit, such as password protection and/or encryption.

To fulfil our obligations in respect of prevention of money-laundering and other financial crime we may send your details to third party agencies for identity verification purposes.

We may, with your explicit consent, introduce you to trusted professional partners such as accountants or solicitors, where we believe their services may be relevant to your circumstances. We’ll only do so with your agreement and will not share your information for marketing purposes with any unrelated companies.

How long do we keep hold of your information?\n
During the course of our relationship with you we’ll retain personal data which is necessary to provide services to you.  We’ll take all reasonable steps to keep your personal data up to date throughout our relationship.

We are also subject to regulatory requirements to retain your data for specified minimum periods.\n\nThese are, generally:\nFive years for investment business\nThree years for mortgage business\nIndefinitely for pension transfers and opt-out business\nThree years for insurance business\n\nThese are minimum periods, during which we have a legal obligation to retain your records.  We reserve the right to retain data for longer where we believe it's in our legitimate interests to do so.

When determining the appropriate retention period, we consider the risks of the processing, our contractual, legal and regulatory obligations, internal retention policies and our legitimate business interests as described in this privacy notice.

You have the right to request deletion of your personal data. We’ll comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.

How can I access the information you hold about me?\n
You have the right to request a copy of the information that we hold about you.\nIf you’d like a copy of some or all of your personal information please email or write to us using the contact details noted below.

You may make a subject access request (“SAR”) at any time to find out more about the personal data which we hold about you.

We are usually required to respond to SARs within one month of receipt.  All subject access requests must be sent to our \"Data Protection Officer\".

 We do not charge a fee for the handling of normal SARs.

You also have the following rights in respect of your personal data:\n\nthe right to be informed, rectified, erased, restricted, or objected to processing; the right to data portability; and the right to understand automated decision-making and profiling.\nThese rights may be subject to limitations where we are required by law or regulation to retain certain records, for example to meet FCA or anti-money-laundering obligations or to defend potential claims.

Automated decision making and profiling\n
We may use tools such as online risk profilers and cashflow modelling software to support our advice process.  These tools assist in assessing your circumstances and illustrating financial projections but do not make decisions without human involvement.\n\nMarketing\n
We’d like to send you information about our products and services which may be of interest to you.  If you’ve agreed to receive marketing information, you may opt out at any time by contacting us or clicking unsubscribe links where applicable.

Cookies
\nWe use cookies to track visitor use of the website and to compile statistical reports on website activity.  For further information visit http://www.allaboutcookies.org/ 

Other websites
\nOur website contains links to other websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies.

What can you do if you are unhappy with how your personal data is processed?\n
You have the right to lodge a complaint with the Information Commissioner's Office (ICO): 
Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF. Tel: 0303 123 1113.

Changes to our privacy policy\n
 We keep our privacy policy under regular review and we’ll place any updates on this web page. 
 This privacy policy was last updated on 7th October 2025

 How to contact us\n
Please contact us if you have any questions about our privacy policy or information we hold about you by email at stephanie@laurelnorth.co.uk or write to us at 37 Elmwood Park Gardens, Newcastle upon Tyne, NE13 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1.0 – October 2025. Reviewed annually or following material changes. Laurel North Ltd, an Appointed Representative of Sense Network Ltd, which is authorised and regulated by the Financial Conduct Authority, is committed to protecting your privacy. This privacy notice explains how we use any personal information we collect about you.

What information do we collect about you? 
We collect information about you when you request us to provide you with quotes for our services and engage us for financial planning or investment advice.  This information will relate to your personal and financial circumstances. It may also include special categories of personal data such as health information, if this is necessary for the provision of our services.

We may also collect information when you voluntarily complete client surveys or provide feedback to us.

Information relating to usage of our website is collected using cookies. These are text files placed on your computer to collect standard internet log information and visitor behaviour information. We’ll use your information collected from the website to personalise your repeat visits to the site.

We try at all times to keep all personal data collected and processed accurate and up-to-date. We check the accuracy of data when it is collected and at regular intervals thereafter. 
 Where any inaccurate or out-of-date data is found, all reasonable steps will be taken to amend or erase that data, as appropriate.

Information about connected individuals 
We may need to gather personal information about your close family members or dependents in order to provide our service to you effectively. Where this applies, it is your responsibility to ensure that any individuals whose information you provide are aware that you are sharing their data with us for this purpose. A copy of our Privacy Notice is available on request, and you may share it with them at any time.   Why do we need to collect and use your personal data? 
The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you.  The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data, we’d also be unable to fulfil our legal and regulatory obligations.

Where special category data is required we’ll obtain your explicit consent in order to collect and process this information.

How will we use the information about you? 
We collect information about you in order to provide you with the services for which you engage us.

Who might we share your information with? 
Sense Network Ltd, as the regulated principal of our firm, is also a data controller for your personal data.  In certain circumstances, we or they may inform you about how you can access their privacy notices,  which will give further information as to how they use your personal data and how you can exercise your rights in relation to your personal data.

In order to deliver our services to you effectively we may also send your details to third parties such as those that we engage for professional compliance, accountancy, or legal services as well as product and platform providers that we use to arrange financial products for you.

Where third parties are involved in processing your data we’ll have a contract in place with them to ensure that the nature and purpose of the processing is clear,  that they are subject to a duty of confidence, and that they’ll only act in accordance with our written instructions.

Where it’s necessary for your personal data to be forwarded to a third party we’ll use appropriate security measures to protect your personal data in transit, such as password protection and/or encryption.

To fulfil our obligations in respect of prevention of money-laundering and other financial crime we may send your details to third party agencies for identity verification purposes.

We may, with your explicit consent, introduce you to trusted professional partners such as accountants or solicitors, where we believe their services may be relevant to your circumstances. We’ll only do so with your agreement and will not share your information for marketing purposes with any unrelated companies.

How long do we keep hold of your information? 
During the course of our relationship with you we’ll retain personal data which is necessary to provide services to you.  We’ll take all reasonable steps to keep your personal data up to date throughout our relationship.

We are also subject to regulatory requirements to retain your data for specified minimum periods. These are, generally: Five years for investment business Three years for mortgage business Indefinitely for pension transfers and opt-out business Three years for insurance business These are minimum periods, during which we have a legal obligation to retain your records.  We reserve the right to retain data for longer where we believe it's in our legitimate interests to do so.

When determining the appropriate retention period, we consider the risks of the processing, our contractual, legal and regulatory obligations, internal retention policies and our legitimate business interests as described in this privacy notice.

You have the right to request deletion of your personal data. We’ll comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.

How can I access the information you hold about me? 
You have the right to request a copy of the information that we hold about you. If you’d like a copy of some or all of your personal information please email or write to us using the contact details noted below.

You may make a subject access request (“SAR”) at any time to find out more about the personal data which we hold about you.

We are usually required to respond to SARs within one month of receipt.  All subject access requests must be sent to our \"Data Protection Officer\".

 We do not charge a fee for the handling of normal SARs.

You also have the following rights in respect of your personal data: the right to be informed, rectified, erased, restricted, or objected to processing; the right to data portability; and the right to understand automated decision-making and profiling. These rights may be subject to limitations where we are required by law or regulation to retain certain records, for example to meet FCA or anti-money-laundering obligations or to defend potential claims.

Automated decision making and profiling 
We may use tools such as online risk profilers and cashflow modelling software to support our advice process.  These tools assist in assessing your circumstances and illustrating financial projections but do not make decisions without human involvement. Marketing 
We’d like to send you information about our products and services which may be of interest to you.  If you’ve agreed to receive marketing information, you may opt out at any time by contacting us or clicking unsubscribe links where applicable.

Cookies
 We use cookies to track visitor use of the website and to compile statistical reports on website activity.  For further information visit http://www.allaboutcookies.org/ 

Other websites
 Our website contains links to other websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies.

What can you do if you are unhappy with how your personal data is processed? 
You have the right to lodge a complaint with the Information Commissioner's Office (ICO): 
Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF. Tel: 0303 123 1113.

Changes to our privacy policy 
 We keep our privacy policy under regular review and we’ll place any updates on this web page. 
 This privacy policy was last updated on 7th October 2025

 How to contact us 
Please contact us if you have any questions about our privacy policy or information we hold about you by email at stephanie@laurelnorth.co.uk or write to us at 37 Elmwood Park Gardens, Newcastle upon Tyne, NE13 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1.0 – October 2025. Reviewed annually or following material changes.\n\nLaurel North Ltd, an Appointed Representative of Sense Network Ltd, which is authorised and regulated by the Financial Conduct Authority, is committed to protecting your privacy. This privacy notice explains how we use any personal information we collect about you.

What information do we collect about you?\n
We collect information about you when you request us to provide you with quotes for our services and engage us for financial planning or investment advice.  This information will relate to your personal and financial circumstances. It may also include special categories of personal data such as health information, if this is necessary for the provision of our services.

We may also collect information when you voluntarily complete client surveys or provide feedback to us.

Information relating to usage of our website is collected using cookies.\n\nThese are text files placed on your computer to collect standard internet log information and visitor behaviour information. We’ll use your information collected from the website to personalise your repeat visits to the site.

We try at all times to keep all personal data collected and processed accurate and up-to-date. \n\nWe check the accuracy of data when it is collected and at regular intervals thereafter. 
\nWhere any inaccurate or out-of-date data is found, all reasonable steps will be taken to amend or erase that data, as appropriate.

Information about connected individuals\n
We may need to gather personal information about your close family members or dependents in order to provide our service to you effectively. Where this applies, it is your responsibility to ensure that any individuals whose information you provide are aware that you are sharing their data with us for this purpose.\nA copy of our Privacy Notice is available on request, and you may share it with them at any time.\n\n \nWhy do we need to collect and use your personal data?\n
The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you.  The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data, we’d also be unable to fulfil our legal and regulatory obligations.

Where special category data is required we’ll obtain your explicit consent in order to collect and process this information.

How will we use the information about you?\n
We collect information about you in order to provide you with the services for which you engage us.

Who might we share your information with?\n
Sense Network Ltd, as the regulated principal of our firm, is also a data controller for your personal data.  In certain circumstances, we or they may inform you about how you can access their privacy notices,  which will give further information as to how they use your personal data and how you can exercise your rights in relation to your personal data.

In order to deliver our services to you effectively we may also send your details to third parties such as those that we engage for professional compliance, accountancy, or legal services as well as product and platform providers that we use to arrange financial products for you.

Where third parties are involved in processing your data we’ll have a contract in place with them to ensure that the nature and purpose of the processing is clear,  that they are subject to a duty of confidence, and that they’ll only act in accordance with our written instructions.

Where it’s necessary for your personal data to be forwarded to a third party we’ll use appropriate security measures to protect your personal data in transit, such as password protection and/or encryption.

To fulfil our obligations in respect of prevention of money-laundering and other financial crime we may send your details to third party agencies for identity verification purposes.

We may, with your explicit consent, introduce you to trusted professional partners such as accountants or solicitors, where we believe their services may be relevant to your circumstances. We’ll only do so with your agreement and will not share your information for marketing purposes with any unrelated companies.

How long do we keep hold of your information?\n
During the course of our relationship with you we’ll retain personal data which is necessary to provide services to you.  We’ll take all reasonable steps to keep your personal data up to date throughout our relationship.

We are also subject to regulatory requirements to retain your data for specified minimum periods.\n\nThese are, generally:\nFive years for investment business\nThree years for mortgage business\nIndefinitely for pension transfers and opt-out business\nThree years for insurance business\n\nThese are minimum periods, during which we have a legal obligation to retain your records.  We reserve the right to retain data for longer where we believe it's in our legitimate interests to do so.

When determining the appropriate retention period, we consider the risks of the processing, our contractual, legal and regulatory obligations, internal retention policies and our legitimate business interests as described in this privacy notice.

You have the right to request deletion of your personal data. We’ll comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.

How can I access the information you hold about me?\n
You have the right to request a copy of the information that we hold about you.\nIf you’d like a copy of some or all of your personal information please email or write to us using the contact details noted below.

You may make a subject access request (“SAR”) at any time to find out more about the personal data which we hold about you.

We are usually required to respond to SARs within one month of receipt.  All subject access requests must be sent to our \"Data Protection Officer\".

 We do not charge a fee for the handling of normal SARs.

You also have the following rights in respect of your personal data:\n\nthe right to be informed, rectified, erased, restricted, or objected to processing; the right to data portability; and the right to understand automated decision-making and profiling.\nThese rights may be subject to limitations where we are required by law or regulation to retain certain records, for example to meet FCA or anti-money-laundering obligations or to defend potential claims.

Automated decision making and profiling\n
We may use tools such as online risk profilers and cashflow modelling software to support our advice process.  These tools assist in assessing your circumstances and illustrating financial projections but do not make decisions without human involvement.\n\nMarketing\n
We’d like to send you information about our products and services which may be of interest to you.  If you’ve agreed to receive marketing information, you may opt out at any time by contacting us or clicking unsubscribe links where applicable.

Cookies
\nWe use cookies to track visitor use of the website and to compile statistical reports on website activity.  For further information visit http://www.allaboutcookies.org/ 

Other websites
\nOur website contains links to other websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies.

What can you do if you are unhappy with how your personal data is processed?\n
You have the right to lodge a complaint with the Information Commissioner's Office (ICO): 
Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF. Tel: 0303 123 1113.

Changes to our privacy policy\n
 We keep our privacy policy under regular review and we’ll place any updates on this web page. 
 This privacy policy was last updated on 7th October 2025

 How to contact us\n
Please contact us if you have any questions about our privacy policy or information we hold about you by email at stephanie@laurelnorth.co.uk or write to us at 37 Elmwood Park Gardens, Newcastle upon Tyne, NE13 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