Privacy Policy

About me

My name is Arthur Childs and I operate this website https://www.usefulmoneyguide.uk (the site).  In October 2020 I reached the milestone of having spent 50 years of my life advising clients on their financial planning.

Firstly working for other organisations, then my own award-winning financial advice company for nearly 30 years, Arch Financial Planning Limited (now part of Flying Colours Holdings Limited). I am now pleased to let others take the strain; in particular, my eldest daughter who is now on the main board of Flying Colours. I am still keeping my hand in on a part-time basis with a small number of clients and really should fully retire before too long. Whether continuing to work part-time or fully retired I am happy to share some of the things I have learned with visitors to this website. 

I am a Chartered Financial Planner, a Chartered Member of the Chartered Institute for Securities and Investment and I hold Fellowships of the Chartered Insurance Institute and the Personal Finance Society.  Until relinquishing most of my client facing work I was also a Fellow of the Pensions Management Institute.

This Privacy Policy informs you of my policies regarding the collection, use and disclosure of Personal Information I receive from users of the site.

What personal data I collect and why I collect it

When visitors leave comments on the site I collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymised string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service Privacy Policy is available here: https://automattic.com/privacy/.  After approval of your comment, your profile picture is visible to the public in the context of your comment.

Contact forms

If you leave a comment on this site you may opt-in to saving your name, email address and website in cookies.

These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

What rights you have over your data

If you have left comments, you can request to receive an exported file of the personal data I hold about you, including any data you have provided to me.

You can also request that I erase any personal data I hold about you. This does not include any data I am obliged to keep for administrative, legal, or security purposes.

Where I send your data

Visitor comments may be checked through an automated spam detection service.

Security

The security of your Personal Information is important to me, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure.

While I strive to use commercially acceptable means to protect your Personal Information, I cannot guarantee its absolute security.

Who I share your data with

I do not share your data with any other company or organisation. 

I act as an introducer to Flying Colours (see separate heading below) but only in respect of those visitors who choose to use the Flying Colours Life link on this site in order to visit their website.  Even then I provide no information about you to them and I am not involved in the process of providing personal financial advice to you.

How long I retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so I can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

Additional information

The information on this website does not constitute personal advice and should not be treated as a substitute for specific advice based on your circumstances.  This information is simply designed as a guide for those who wish to carry out some aspect of financial planning for themselves and their families.  It provides an introduction to many topics but cannot cover every possible aspect of the subjects and is not meant to be exhaustive.

Information given relating to tax legislation is based on my understanding of legislation and practice currently in force.  Whilst I believe my interpretation of current law and practice to be correct in these areas, I cannot be responsible for the effects of any future legislation or any change in interpretation or treatment.  In particular you are warned that levels of tax and tax reliefs are subject to alteration and, in any case, the value of such reliefs and benefits may depend on an individual’s circumstances.

Introducer to Flying Colours Life

If you are in any doubt as to whether any course of action is suitable for you, then you should discuss the matter with a suitably qualified independent financial adviser or other specialist.

For this purpose I act as an introducer to Flying Colours who have access to independent financial advisers throughout the UK.  Flying Colours is a trading name of Flying Colours Finance Limited, which is authorised and regulated by the Financial Conduct Authority under number 672022 at 8 Godalming Business Centre, Woolsack Way, Godalming GU7 1XW.

Flying Colours offer Independent financial lifestyle planning services within the UK and specifically in the following areas where a qualified IFA can save you thousands such as investment planning, retirement and pensions planning, inheritance tax and estate planning, later life and long term care, protection and insurance.

Changes to this privacy policy

This Privacy Policy is effective as of the date it was last updated as shown above and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.

I reserve the right to update or change this Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after I post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

If you have any questions about this Privacy Policy, please contact arthur.childs@usefulmoneyguide.uk