The nature of our business means that we have to process information about our clients and keep some of it on file. We do so for a number of purposes. These include:
1. To provide you with the service you have asked us to deliver to you.
2. To arrange for your requested service to be delivered on your behalf by third parties.
3. To send you information and communicate with you about the service you have asked us to provide to you.
4. To send you information about new products and services we think are relevant to you (if you have opted in to receive this information).
5. To send you life and/or financial insight, guidance and motivation (if you have opted in to receive this information).
We do our best to make sure the information we have about you is accurate and protected.
2. Children’s Information
Our services are not available to minors. Therefore, we do not knowingly collect any personally identifiable information from children/minors. If you think www.yfsol.com has in its database the personally-identifiable information of a children/minors, please contact us immediately using the form below or via email at firstname.lastname@example.org and we will do our utmost to promptly remove this information from our records.
1. store information about visitors’ preferences,
2. record user-specific information on which pages the site visitor accesses or visits,
3. personalise or customise our web page content based upon visitors’ browser type or other information that the visitor sends via their browser.
What are cookies?
In a nutshell, they are bits of code that remember things about you. To be honest, this is the best website we’ve come across that explains about cookies: Cookies and You.
4. Data Management Information for Specific www.yfsol.com Pages
4.1—Home Page/Financial Services for Super Yacht Crew Page/Financial Strategies for Super Yacht Crew Page
We use a service called Calendly so you can make appointments to speak with us.
Depending which “Book Your XYZ Assessment” button you click, you will be taken either:
1. straight to Teresa’s Calendly booking page; or
2. to an explainer page on this website where you can learn more about our XYZ Assessments before booking a call via Teresa’s Calendly page.
4.2—Contact Us Page/Bank Account Application Page/Mortgage Page/Tax Advice Page/Currency Transfer Page
When you fill in the contact form on our Contact Us page, the information you enter is collected by Wufoo, an online form service provided by SurveyMonkey (www.SurveyMonkey.com). (SurveyMonkey’s privacy page is here: www.surveymonkey.com/mp/legal/privacy.)
SurveyMonkey stores a copy of the completed form on its servers and sends a copy to us here at YFSOL (email@example.com).
We will use the information you have entered on the form to respond appropriately via email to your initial contact.
Your information will be entered into our central database software: ACT! We use ACT! to keep track of enquiries and our business-related communications with our clients and the services/products we provide them. ACT! stores your data on our own encrypted drives. You will remain on ACT! while:
- we deal with your initial contact request (including follow-up emails/contacts), and/or
- you remain a YFSOL client, and/or
- you remain on one of our mailing lists, and/or
- you remain enrolled in the YFSOL Partnership
If you don’t fit any of these three categories anymore, we will delete your data to the best of our abilities from our servers at YFSOL and at SurveyMonkey at our next data clean up.
If you have indicated on the contact form that you would like us to send you ‘Insider Bulletin’ (our email newsletter) and/or information about financial products/services, we will add you to the relevant mailing lists. If you did not ask to be added to these lists, you won’t be.
If you asked to be given access to the YFSOL Partnership’s “Life & Money Power Tool Kit”, your details will be added to that the YFSOL Partnership platform at www.yfsol-partnership.com so that you can access a suite of free e-books, vlogs, webinars, videos and other resources.
You can unsubscribe from our mailing lists at any time, either by clicking ‘Unsubscribe’ in any of our mailings or by contacting us at firstname.lastname@example.org or by completing the form at the bottom of this page.
The YFSOL Partnership “Life & Money Power Tool Kit” is run by Kajabi. Your first name, last name and email address will be stored on Kajabi’s servers. You’ll receive access to a library of free resources and email updates. You can delete your YFSOL Partnership account at any time. You can find Kajabi’s privy policy here: https://kajabi.com/policies/privacy.
4.2.a—Bank account page additional
During the application process for a bank account, information you provide will be given to Standard Bank International (https://international.standardbank.com) so that it can open an account for you. Standard Bank International is based on the Isle of Man. You can find Standard Bank International’s data protection policy here: https://international.standardbank.com/pbbinternational/aboutus/Data-Protection.
4.2.b—Mortgages page additional
4.2.c—Currency transfer page additional
The information you provide on the currency transfer form will be shared with Moneycorp (https://www.moneycorp.com) so it can handle your currency transfer with you. Moneycorp is based in the UK. You can find Moneycorp’s data protection policy here: https://www.moneycorp.com/uk/privacy.
4.2.d—Tax advice page additional
4.3—Waves Health Insurance Page/Waves Life Insurance Page
When you click on the application links on the Waves Health Insurance and Waves Life Insurance pages, you will be taken to the respective application pages hosted by Strategic Insurance Services Limited in the UK (Expatriate Group & Expatriate Healthcare).
Strategic Insurance Services Limited runs the product platform that provides the Waves Health and Waves Life products.
Your data will be handled in accordance with their data management policy. You can find information about Strategic Insurance Services Ltd’s privacy and data management policies here: https://www.expatriatehealthcare.com/information/legal-notices.
Strategic Insurance Services Ltd notifies us when someone buys an insurance product through this website (www.yfsol.com).
B. Our Broader Privacy & Data Management Policies
5. Why/how we use your data
We use you data to:
- Advise you about the services we offer to our clients.
- Process the business you conduct with and through us. This may include the use of third party software such as ACT!
- Support ongoing reporting and administrative matters relating to the business that you conduct through and with us.
6. Data storage at YFSOL
All information provided by you to YFSOL digitally is stored securely on encrypted YFSOL-owned computers.
When you email us, the information you submit is stored on servers used by Google Mail (email platform) and may also be collated on other Google Suite platforms (business software), such as Google Sheets (spreadsheet software).
If you have participated in a YFSOL survey, your responses are stored on servers used by Google Forms (survey platform).
Any hard copy/physical documents you lodge with us and/or the data provided therein will be kept at our customer service centre in Antibes, France, and/or our financial an customer service provider in the Philippines (details below), and/or at our office in Co. Cork, Ireland.
7. Third-party data access
When you contract to use one of the products or services we provide or recommend, your data may be passed to third-party companies who provide or support those products or services. For instance, if you enquire about setting up a bank account, we will help you set up a seafarer’s bank account with Standard Bank International. To do so, the bank will need your data. Another example is when you invest money into a fund managed by our trusted fund management partners.
In each instance, we will explain clearly who will require, process and store your data.
7.2—Service providers to YFSOL
We use two trusted service providers who have limited access to your information to help us provide services to you that you have requested. In both cases, these service providers use platforms that YFSOL controls and have signed data protection agreements with us.
Parts of our financial administration and customer service back office are provided by AMS Integrated Outsourcing Solutions, which is based in Quezon City, the Philippines.
Our website, content and marketing is supported by Show and Tell Communications Ltd, which is based in Cork, Ireland (www.showandtell.ie). Show and Tell Communications Ltd manages our email lists using Mailchimp. It has access to three YFSOL email address inboxes so it can service our marketing needs. Show and Tell Communications Ltd doesn’t store, log or hold any of your information on its own systems. Instead it uses YFSOL systems and/or third party online services to which YFSOL is subscribed.
8. Your access
You can request to see what information we hold about you by emailing email@example.com or by using the form at the bottom of this page. We will respond within 30 working days with an overview of the information we hold.
9. Data retention & deletion
We retain your information for as long as you are a YFSOL client or are subscribed to one of the information services/mailing lists you subscribed to.
We are legally required hold data on our financial planning clients for up to seven years from the date they stop being a client. After seven years, their information will be deleted at our next data purge.
We store the data you submit to us via the enquiry forms on this website for up to 10 years.
You can request that we delete the information we hold about you at any point. Please email us at firstname.lastname@example.org or use the form at the bottom of this pager and allow 30 days for this process to be completed from the date of receipt of your email. Please reference “Data Deletion” in your email subject and mark for the attention of Teresa Evans.
We conduct an annual data purge. During our data purges, physical documents will be shredded. Digital information will be deleted to the best of our abilities from our data drives or rendered unusable to the best of our ability (in cases where data is stored with third parties such as Mailchimp, Google, etc.).
If you have any questions about Yachting Financial Solutions’ data management and privacy policies, please get in touch. You can email email@example.com. Please mention “Data Protection” in your email subject and mark it for the attention of Teresa Evans.