Acceptance of Terms
Your access to and use of this Website under the domain www.murphywealth.co.uk (“the Website”) is subject exclusively to these Terms and Conditions. You will not use the Website for any purpose that is unlawful or prohibited by these Terms and Conditions. By using the Website, you are fully accepting the terms, conditions and disclaimers contained in this notice. If you do not accept these Terms and Conditions you must immediately stop using the Website. You agree that Murphy Wealth shall at all times have the discretion to decide whether or not to grant you access to the Website.
The contents of the Website do not constitute advice and should not be relied upon in making or refraining from making, any decision. This Website is for general guidance only, and Murphy Wealth shall not be held liable for any action taken (or any failure to act) in reliance upon the contents of the Website.
Murphy Wealth reserves the right to:
Change, alter, modify, add to or remove (temporarily or permanently) the Website or any part of it without notice and you confirm that Murphy Wealth shall not be liable to you for any such change or removal. Your continued use of the Website following any change shall be deemed to be your acceptance of such change.
Links to Third Party Websites
The Website may include links to third party websites that are controlled, operated and maintained by others. Links to third party websites are provided for your convenience only. Any link to other websites is not an endorsement, support or recommendation of the views expressed of such websites and you acknowledge and agree that Murphy Wealth are not responsible for the content or availability of any such sites. If you decide to access any of the third party websites linked to the Website, you do so entirely at your own risk.
All copyright, trademarks and all other intellectual property rights in the Website and its content (including without limitation the Website design, material, text, graphics photographs, video, sound material and all software and source codes connected with the Website) are owned by or licensed to Murphy Wealth or otherwise used by Murphy Wealth as permitted by law. Subject to the licence below, all these intellectual property rights are reserved.
Licence to use Website
You may view, download for caching purposes only, and print pages from the Website for your own personal use, subject to the restrictions below. You must not:
Murphy Wealth endeavour to ensure that the information on this Website is correct, but Murphy Wealth does not warrant its completeness or accuracy; nor does Murphy Wealth commit to ensuring that the Website remains available or that the material on the Website is kept up-to-date.
The Website is provided on an “AS IS” and “AS AVAILABLE” basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security, completeness and accuracy.
To the extent permitted by law, Murphy Wealth shall not be liable for any indirect or consequential loss or damage whatever (including without limitation loss of business, revenue, contracts, customers, employees, goodwill, anticipated savings, opportunity, data, profits) arising out of or in connection with your access to and/or use of the Website.
Murphy Wealth makes no warranty that the functionality of the Website will be uninterrupted or error free, that defects will be corrected or that the Website or the server that makes it available are free of viruses, malicious computer code or anything else which may be harmful or destructive.
Nothing in these Terms and Conditions shall be construed so as to exclude or limit the liability of Murphy Wealth for fraudulent misrepresentation, death or personal injury as a result of the negligence of Murphy Wealth or that of its employees or agents or for any other liability which cannot be excluded or limited under applicable law.
Subject to this, our liability to you in relation to the use of Murphy Wealth’s Website or under or in connection with this disclaimer:
By using the Website and/or the Website information you agree and undertake to indemnify and hold Murphy Wealth and its employees and agents harmless from and against all liabilities, legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against Murphy Wealth arising out of any breach by you of these Terms and Conditions or arising out of your use of this Website and/or the Website information.
If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.
Law & Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the law of Scotland and you hereby submit to the exclusive jurisdiction of the Scottish courts.
You are responsible for compliance with any applicable laws of the country from which you are accessing the Website.
The full name of our organisation is Murphy Wealth Ltd.
Our registered address is:
8th Floor, 149 St Vincent Street
Registered in Scotland with Company No. 445032
We process personal information for certain legitimate business purposes which include, some or all, of the following:
Whenever we process data for these purposes, we will ensure that we always keep your Personal Data rights in the highest regard and take into account all of your data protection rights under any and all current UK legislation.
You have the right to object to this processing at any time. If you wish to do so, please advise Murphy Wealth Limited. Please bear in mind that if you object, this may affect our ability to carry out the tasks above which may be of benefit to you.
To access our full Data Protection Policy, please see below.
How your personal information is used by us (Last updated January 2019)
Your information will be held by Murphy Wealth Limited
Who we are:
All data submitted to this website is collected, process and stored by Murphy Wealth Ltd. We are the “data controller,” meaning we determine what data is collected by this website and what it is used for. Our registered company number is SC445032 and our registered office address is as follows:
Murphy Wealth Ltd
149 St Vincent Street
Glasgow G2 5NW
Data Protection principles and regulations:
Your privacy is important to us. To better protect your privacy, we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available throughout the website and at every point where personally identifiable information may be requested.
All of our data collection, processing and storage systems – as well as this website – are designed to comply with the following data protection and privacy regulations:
As part of the above regulations, we process your personal data in according to the following six data protection principles. Data must be:
The information we collect, how and why we do it:
Site Visitation Tracking:
To help improve the quality of our online services, we track how people interact with our website so we can identify what is working well and what isn’t for our users.
For further information on how to manage your cookies using a specific browser or device, please click the appropriate link below:
We use the following site visitation tracking services:
If you decide to contact us via one of the contact forms found on our website, such as the one found on our contact us page, any data entered into such forms will be collected into an email and sent to us using the Simple Mail Transfer Protocol (SMTP) as well as being saved onto our servers.
Data sent and collected by our contact forms are protected by SSL encryption, meaning your data is encrypted during communication and storage.
Once you send us an e-mail, the message and associated personal data will be in our possession until we decide that we no longer require the information – this is usually after we have read/replied to your message. Should you wish to have the data associated with your e-mail removed from our database please contact us and provide the e-mail address you used to send your communication: firstname.lastname@example.org
We will not use this information to contact you for marketing purposes or any other purpose not directly related to your enquiry.
If you choose to join our mailing list (we will only add you to our mailing list if you consent to us doing so) you mailing details will be saved on to our server. While we currently do not operate a mailing list, we may wish to do this in future and wish to know if you want to be part of it. Once such a campaign is initiated we will update this section with further data protection information.
You can remove yourself from the list by using the unsubscribe link contained in all of our marketing emails, or by requesting removal via an e-mail sent to email@example.com. Please ensure that you include the e-mail you used to sign-up to our mailing list in the first place.
If you are under the age of 16 you MUST obtain parental permission prior to joining our mailing list.
We will not add you to any lists that you have not actively signed up for.
How we protect and store your data:
We are fully committed to ensuring your information and privacy are protected in accordance with your rights under the General Data Protection Regulation.
We are committed to protecting the data we hold about you and ensuring it is secure, private and confidential. We have put in place robust technical, physical and managerial controls to protect the confidentiality, integrity and availability of information we hold about you.
We use computer safeguards such as firewalls and data encryption and, where possible, physical barriers to keep your personal data safe.
We do not ordinarily encrypt emails sent out in the course of our work. We do, however, always consider what information is being sent by email and, as part of our approach to data protection, consider any additional protection that may be required to keep your data safe. We cannot guarantee the privacy of personal information you transmit over the web or that may be collectable in transit by others, including third-parties who provide services to us, we do, however, consider data protection requirements when choosing our third-party suppliers.
Third-party data processors
To provide the best possible service, we use a number of third-party companies to process personal data on our behalf. These companies have been carefully selected to ensure that they meet both our own stringent data protect values as well as the regulations laid out in section 2.
We will not provide data to companies who do not meet the GDPR standards, nor will we ever sell your data to a third party.
Our third-party data processors include:
You have the following rights in relation to your personal data:
The right to be told what data we are collecting and what it is being used for.
This is what we’re doing here!
The right to access any of the personal data we hold about you.
Please address any such requests to Adrian Murphy along with two pieces of approved identification – such as a passport, driving license or addressed bill (these will be deleted after your identity has been confirmed). Please provide as much information as possible as to your relationship with us to help us find your information. We will respond to your query within one month and will not charge for this service unless the request is unfounded or excessive.
The right to modify any data we hold about you that is inaccurate.
Please address any such requests to Adrian Murphy. We will respond to your query within one month and will not charge for this service unless the request is unfounded or excessive.
The right to request that we delete any of your personal data that we have collected and currently store and process.
Please address any such requests to Adrian Murphy along with why you wish your data to be deleted. For data to be deleted you must be able to explain why we no longer need to hold the data, to withdraw the consent on which our processing is based or show that the data is being processed unlawfully.
The right to be given a copy of the data we hold about you so that you can transfer it to another organisation.
Please address any such requests to Adrian Murphy and we will provide you with an open format copy of your data that can be easily used by other companies.
The right to object to certain types of data processing – such as direct marketing.
The right to object to automated data processing – such as data profiling.
Complain to the UK’s data protection authority (the Information Commissioner’s Office) if you feel that we have not properly protected your data or adhered to your data rights as defined above.
Complaints about use of personal data
If you want to make a complaint regarding our collection, processing and storage of your personal content, you can contact Adrian Murphy using our contact details.
If you are not satisfied with our response to your complaints, or believe that we are processing your data in an unlawful way, you are within your rights to escalate the issue to the UK’s data protection authority – the Information Commissioner’s Office (ICO).
If an unlawful data breach of this website’s database or the database(s), or any of our third-party processors, does occur and it is apparent that identifiable personal data stored has been stolen, we will inform all relevant persons and authorities within 72 hours of the breach.
Changes to this privacy notice
How the law protects you
Your privacy is protected by law. General Data Protection Regulation says that we are allowed to use personal information only if we have a proper reason to do so. This includes sharing it outside Murphy Wealth Limited. The law says we must have one or more of these reasons:
A legitimate interest is when we have a business or commercial reason to use your information. But even then, it must not unfairly go against what is right and best for you. If we rely on our legitimate interest, we will tell you what that is.
Below is a list of all the ways that we may use your personal information, and which of the reasons we rely on to do so. This is also where we tell you what our legitimate interests are:
What we use your personal information for
Our Legitimate interests
Groups of Personal Data
We use many different kinds of personal information, and group them together. These include:
Type of Personal Data Description
Type of Personal Data
Your financial position, status and history.
Where you live and how to contact you.
This includes details about your work or profession, nationality, education and where you fit into general social or income groupings.
Details about payments to and from your accounts
Details about the services or products we provide to you.
What we learn about you from letters, emails, and conversations between us.
Your family, friends, and other relationships.
Open Data and Public Records
Details about you that are in public records such as the Electoral Register, and information about you that is openly available on the internet.
Details about you that are stored in documents in different formats, or copies of them. This could include things like your passport, drivers’ licence, or birth certificate. National Identifier, a number or code given to you by a government to identify who you are, such as a National Insurance number.
Special types of data
The law and other regulations treat some types of personal information as special. We will only collect and use these types of data if the law allows us to do so:
· Racial or ethnic origin
· Religious or philosophical beliefs
· Trade union membership
· Genetic and bio-metric data
· Health data including gender
· Criminal convictions and offences
Any permissions, consents or preferences that you give us. This includes things like how you want us to contact you, whether you get paper statements, or electronic valuations.
Where we collect personal information from
We need to gather data directly from you to satisfy our legal obligations. This includes:
We may collect personal information about you (or your business) from other companies such as pension, investment & protection providers using a letter of authority signed by you, giving your consent for us to do this. The information is required to provide you with complete and accurate financial advice.
Data from third parties we work with:
* For some insurance products, we may ask your GP or other medical professional to send us a report. We will only do this if we get your consent first.
Who we share personal information with
We may need to share your personal information with the following organisations:
We may need to share your personal information with other organisations to provide you with the product or service you have chosen:
We may also share your personal information if the make-up of Murphy Wealth Limited changes in the future:
How we use your information to make automated decisions
Occasionally use systems to make automated decisions based on personal information we have – or are allowed to collect from others – about you. This helps us to make sure our decisions are quick, fair, efficient and correct, based on what we know. These automated decisions can affect the products, services or features we may offer you now or in the future, or the price that we charge you for them.
Here are the types of automated decision we make:
We may decide what to charge for some products and services based on what we know.
Tailoring our services:
We may place you in groups with similar customers. These are called customer segments. We use these to study and learn about our customers’ needs, and to make decisions based on what we learn. This helps us to design products and services for different customer segments, and to manage our relationships with them.
We use your personal information to help decide if your personal or business accounts may be being used for fraud or money-laundering. We may detect that an account is being used in ways that fraudsters work. Or we may notice that an account is being used in a way that is unusual for you or your business. If we think there is a risk of fraud, we may stop activity on the accounts or refuse access to them.
Engaging our services:
When you engage our services, we check that the product or service is relevant for you, based on what we know. We also check that you meet the conditions needed to provide financial advice. This may include checking age, residency, nationality or financial position.
As a person you have rights over automated decisions.
If you want to know more about these rights, please contact us.
Fraud Prevention Agencies (FPAs):
We may need to confirm your identity before we provide products or services to you or your business. Once you have become a customer of ours, we will also share your personal information as needed to help detect fraud and money-laundering risks. We may use Fraud Prevention Agencies to help us with this.
Both we and fraud prevention agencies can only use your personal information if we have a proper reason to do so. It must be needed either for us to obey the law, or for a ‘legitimate interest’.
A legitimate interest is when we have a business or commercial reason to use your information. This must not unfairly go against what is right and best for you.
We will use the information to:
We or an FPA may allow law enforcement agencies to access your personal information. This is to support their duty to detect, investigate, prevent and prosecute crime.
FPAs can keep personal information for different lengths of time. They can keep your data for up to six years if they find a risk of fraud or money-laundering.
The information we use includes:
Automated decisions for fraud prevention
The information we have for you or your business is made up of what you tell us, and data we collect when you use our services, or from third parties we work with.
We and FPAs may process your personal information in systems that look for fraud by studying patterns in the data. We may find that an account is being used in ways that fraudsters work. Or we may notice that an account is being used in a way that is unusual for you or your business. Either of these could indicate a possible risk of fraud or money-laundering.
How this can affect you
If we or an FPA decide there is a risk of fraud, we may stop activity on the accounts or block access to them. FPAs will also keep a record of the risk that you or your business may pose.
This may result in other organisations refusing to provide you with products or services, or to employ you.
Data transfers out of the EEA
FPAs may send personal information to countries outside the European Economic Area (‘EEA’). When they do, there will be a contract in place to make sure the recipient protects the data to the same standard as the EEA. This may include following international frameworks for making data sharing secure.
Sending data outside of the EEA
We will only send your data outside of the European Economic Area (‘EEA’) to:
If we do transfer information to our agents or advisers outside of the EEA, we will make sure that it is protected in the same way as if it was being used in the EEA. We’ll use one of these safeguards:
If you choose not to give personal information
We may need to collect personal information by law, or under the terms of a contract we have with you.
If you choose not to give us this personal information, it may delay or prevent us from meeting our obligations. It may also mean that we cannot perform services needed to run your portfolio. It could mean that we cancel a product or service you have with us.
Any data collection that is optional would be made clear at the point of collection.
We may use your personal information to tell you about relevant products and offers. This is what we mean when we talk about ‘marketing’.
The personal information we have for you is made up of what you tell us, and data we collect when you use our services, or from third parties we work with.
We study this to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you.
We can only use your personal information to send you marketing messages if we have either your consent or a ‘legitimate interest’. That is when we have a business or commercial reason to use your information. It must not unfairly go against what is right and best for you.
You can ask us to stop sending you marketing messages by contacting us at any time.
Whatever you choose, you'll still receive statements, and other important information such as changes to your existing products and services.
We may ask you to confirm or update your choices, if you take out any new products or services with us in future. We will also ask you to do this if there are changes in the law, regulation, or the structure of our business.
If you change your mind you can update your choices at any time by contacting us.
How long we keep your personal information
We will keep your personal information for as long as you are a client of Murphy Wealth Limited
After you stop being a client, we may keep your data for up to 10 years for one of these reasons:
We may keep your data for longer than 10 years if we cannot delete it for legal, regulatory or technical reasons. We may also keep it for research or statistical purposes. If we do, we will make sure that your privacy is protected and only use it for those purposes.
How do I get a copy of my personal data?
You can access your personal information we hold by writing to us at:
Murphy Wealth Ltd
149 St Vincent Street
Glasgow G2 5NW
Letting us know if your information is incorrect
You have the right to question any information we have about you that you think is wrong or incomplete. Please contact us if you want to do this or update the information by logging into our client portal.
If you do, we will take reasonable steps to check its accuracy and correct it.
What if you want us to stop using your personal information?
You have the right to object to our use of your personal information, or to ask us to delete, remove, or stop using your personal information if there is no need for us to keep it. This is known as the ‘right to object’ and ‘right to erasure’, or the ‘right to be forgotten’.
There may be legal or other official reasons why we need to keep or use your data. But please tell us if you think that we should not be using it.
We may sometimes be able to restrict the use of your data. This means that it can only be used for certain things, such as legal claims or to exercise legal rights. In this situation, we would not use or share your information in other ways while it is restricted.
You can ask us to restrict the use of your personal information if:
If you want to object to how we use your data or ask us to delete it or restrict how we use it or, please contact us on 0141 221 5353.
How to withdraw your consent
You can withdraw your consent at any time. Please use this form if you want to do so or call us on 0141 221 5353.
How to complain about our use of your data
If you withdraw your consent, we may not be able to provide certain products or services to you. If this is so, we will tell you.
Please let us know if you are unhappy with how we have used your personal information. You can contact us at:
Murphy Wealth Ltd
149 St Vincent Street
Glasgow G2 5NW
You also have the right to complain to the Information Commissioner’s Office. Find out on their website how to report a concern.
Future formats for sharing data
The Data Privacy laws changed on 25 May 2018. From that date, you have the right to get your personal information from us in a format that can be easily re-used. You can also ask us to pass on your personal information in this format to other organisations.
What are cookies?
Cookies are small files that websites place on the device you're using to browse the site. Cookies are commonly used to record some aspect of your visit to a site, such as choices you've made or preferences you've set during your visit.
Keeping your personal information safe
Our cookies do not store personal information such as your name, address, phone number or email in a format that can be read by others. The cookies we use cannot read or search your computer, smartphone or web-enabled device to obtain information about you or your family, or read any material kept on your hard drive. We do use a small number of cookies that store encrypted versions of information where you have asked us to, such as the ‘Remember me’ function that allows us to remember your Account username for subsequent visits. However, this is encrypted so that only we can read this information. The website that places a cookie owns that cookie. This means only that website and other sites that it has agreed to share information with can read the information stored using a cookie.
Links to sites by other providers
If you follow a link from our website to another website, please be aware that the owner of the other website will have their own privacy and cookie policies for their site. We recommend you read their policies as we are not responsible or liable for what happens on their site.
How to manage and switch off cookies
Your web browser provides settings that allow you to manage or switch off cookies, remember that you may not be able to use all of the services on our websites.
You can find out more about managing and switching off cookies at the independent website allaboutcookies.org
Strictly necessary cookies
These cookies are essential for our online services and tools to work. They collect and record information that we need to make our site work.
Common uses for this type of cookie include allowing user to log in or access private areas of our site.
These cookies only last for a single browsing session when you leave our site they are removed.
These cookies help us to monitor and improve how our website works:
Common uses include:
The information collected using these cookies is anonymous and cannot be used to identify and individual visitor.
These allow us to provide you with enhanced features that need to remember your preferences and choices, such as your username, language or region. They also let us monitor how our website is performing so we can keep improving it.
Common uses include:
The information stored in these cookies is encrypted so we can only read it.
You can prevent data collection via Google Analytics by clicking here. An "Opt-out Cookie" shall then be applied to your website which shall prevent any future collection of your data when visiting this website.
Further information concerning the terms and conditions of use and data privacy can be found at the Google Analytics Terms of Service or at the Google Analytics Privacy Overview. Please note that on this website, Google Analytics is supplemented by "gat._anonymizeIp();" to ensure anonymized collection of IP addresses (IP masking).
We use the reCAPTCHA service provided by Google Inc. (Google) to protect your submissions via internet submission forms on this site. This plugin checks if you are a person in order to prevent certain website functions from being (ab)used by spam bots (particularly comments). This plugin query includes the sending of the IP address and possibly other data required by Google for the Google reCAPTCHA service. For this purpose, your input will be communicated to and used by Google. However, your IP address is previously truncated by Google within member states of the European Union or in other states which are party to the agreement on the European Economic Area and is, as such, anonymized. Only in exceptional cases is a full IP address transmitted to a Google server in the United States and truncated there. On behalf of the operator of this website, Google will use this information to evaluate your use of this service. The IP address provided by reCaptcha from your browser shall not be merged with any other data from Google.
By using the reCAPTCHA service, you consent to the processing of data about you by Google in the manner and for the purposes set out above.