Privacy Policy & Terms and Conditions

Last updated: January 2026

Introduction

This document explains how we collect, use, and protect your personal information when you use this website, and sets out the terms under which you may use the website and its content.

If you have any questions about this policyor how we use your data, please contact us using the details below.

Contact Details

Email: pfsadmin@pebblesfs.com
FAO: Dan Holland or Sherdin Omar

Definitions

We / us / our:
PebblesFinancial Solutions (“PFS”) and Pebbles Data Solutions (“PDS”).

You / your:
Anyuser of this website.

About This Website

This website is owned and operated by PFS. It is hosted on a secure platform using SSL/TLS encryption. While we take reasonable technical and organisational measures to secure the website, no internet-based service can be guaranteed to be completely secure.

This website is intended for business users and is not directed atchildren under the age of 16.

Data Retention

We retain personal data only for as long as necessary:

General enquiries: up to 24 months
Business contacts: for the duration of the relationship and a reasonable period afterwards
Legal or regulatory records: as required by law

You may request deletion at any time, subject to legal obligations.

How We Store Your Data

We retain personal data only for as long as necessary:

Microsoft 365 (email and document storage)

Access is restricted to authorised personnel only.

Data Processors & International Transfers

We may use trusted third-party service providers to operate our website and business systems (e.g. hosting and productivity tools).

Where data is transferred outside the UK, appropriate safeguards (such as UK GDPR-approved contractual protections) are in place.

Cookies

What Are Cookies?

Cookies are small text files placed on your device to help websites function properly and understand usage.

How We Use Cookies

We use:

Essential cookies - required for the website to function
Analytics cookies - to understand how visitors use the site (only where enabled with consent)

Non-essential cookies are only used where you have provided consent via our cookie controls.

You can manage or withdraw cookie consent at any time through your browser settings or cookie banner.

Your Data Protection Rights

Under UK data protection law, you have the right to:

Access your personal data
Request correction of inaccurate data
Request erasure of your data
Restrict or object to processing
Withdraw consent (where applicable)

Requests can be made by emailing us. We will respond within one month.

Complaints

If you are unhappy with how we handle your data, please contact us first.

You also have the right to complain to the Information Commissioner's Office.

ICO Registration Number: ZB660204

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Website: www.ico.org.uk
Telephone: 0303 123 1113

Terms and Conditions

Intellectual Property

All content on this website is owned by PFS or its licensors and is protected by copyright and intellectual property laws.

You may download content for personal, non-commercial use only. No ownership rights are transferred.

You may not copy, reproduce, modify, distribute, or exploit any content without prior written permission.

Website Use

You agree not to:

Use the website for unlawful purposes
Attempt to gain unauthorised access
Introduce malicious code or interfere with site operation

We reserve the right to restrict or withdraw access at any time.

Accuracy of Information

We make reasonable efforts to ensure website content is accurate but provide it “as is” without warranties of any kind.

We are not liable for errors, omissions, or reliance placed on website content.

Limitation of Liability

To the maximum extent permitted by law:

We are not liable for loss or damage arising from use of this website
We exclude liability for loss of data, income, profit, or business interruption

Nothing in these terms limits liability for death or personal injury caused by negligence or for fraud.

Third-Party Links

This website may link to third-party websites. We are not responsible for their content, privacy practices, or security.

Governing Law

These terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction.