1. Who We Are

Tax Choices Ltd is the "data controller" responsible for your personal information. We are committed to protecting your privacy and handling your data with the highest standards of security.

• Registered Address: 2/3, 48 West George Street, Glasgow, G2 1BP, United Kingdom
• Company Number: SC876345
• Contact Email: admin@taxchoices.co.uk

 

2. The Information We Collect

To provide our pension tracing services, we collect and process the following categories of personal data:

• Identity Data: Your full name (and any previous names), date of birth, and gender.
• Contact Data: Your current and previous residential addresses (required for tracing historical records), email address, and telephone numbers.
• Financial & Employment Data: Your National Insurance number, full employment history, previous employer names, and any known pension policy details.
• Verification Documents: Copies of your Passport, Driving Licence, or utility bills to meet "Know Your Customer" (KYC) and Anti-Money Laundering (AML) requirements.

 

3. Why We Need Your Data

Under the UK GDPR, we rely on the following lawful bases to process your information:

• Contractual Necessity: We process your data to perform the specific pension tracing service you have instructed us to carry out as per our Service Agreement.
• Legal Obligation: We are required to process and retain certain information to comply with UK tax laws, AML regulations, and other statutory requirements.
• Legitimate Interests: We process data to maintain accurate business records, manage our relationship with you, and improve our tracing methods.

 

4. Who We Share Data With

To successfully locate your "lost" pensions, we may share relevant parts of your data with:

• Pension Providers and Scheme Administrators: To inquire about potential assets held in your name.
• Former Employers: To verify your periods of service and pension eligibility.
• Government Bodies: Specifically the Department for Work and Pensions (DWP), HMRC, and the Pension Tracing Service.
• Professional Advisers: Only when strictly necessary for legal or audit purposes.

 

5. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected. For legal, regulatory, and tax audit purposes, we typically hold your file for 6 years following the completion of our service or the termination of our agreement. After this period, your data will be securely deleted or destroyed.

 

6. Your Rights

Under the UK GDPR, you have the following rights regarding your data:

• Access: The right to request copies of the personal data we hold about you.
• Rectification: The right to ask us to correct any inaccurate or incomplete information.
• Erasure: The right to request the deletion of your data in certain circumstances.
• Restriction: The right to "pause" our processing of your data while an issue is investigated.
• Complaints: The right to lodge a complaint with the Information Commissioner’s Office (ICO) if you are unhappy with how we handle your data.