Privacy Policy
This Privacy Policy explains how CIK FINANCIAL LTD ("CIK FINANCIAL", "we", "us", or "our") collects, uses, discloses, and protects personal information relating to clients, prospective clients, partners, investors, job applicants, and visitors to our corporate website at https://cik-financial.site/.
We are committed to handling personal data with integrity, transparency, and in accordance with applicable data protection and financial services regulations in the jurisdictions in which we operate.
By using our website or engaging with our services, you acknowledge that you have read and understood this Privacy Policy.
Introduction to Privacy Policy
CIK FINANCIAL LTD operates as a corporate hub for mortgage finance, property investment, and financial advisory services. Protecting the confidentiality, integrity, and availability of personal information is central to our commitment to professional conduct and regulatory compliance.
This Privacy Policy describes how we manage personal information when you:
- Visit or interact with our website, including sections such as About, Services, Consulting, Investments, Careers, Case Studies, and Contact Us.
- Submit an enquiry, schedule a consultation, or request information regarding our mortgage or financial solutions.
- Engage with us as a client, partner, investor, supplier, or professional contact.
- Apply for a role or internship with CIK FINANCIAL LTD.
We process personal data in line with applicable data protection laws and, where relevant, financial services and anti‑money laundering regulations. We only collect and use information that is necessary, proportionate, and relevant to the purposes described in this Privacy Policy.
Information We Collect
We collect various types of information in the course of operating our website and delivering mortgage finance and advisory services. The information we collect may include personal data that directly or indirectly identifies you.
1. Personal Identifiers and Contact Details
When you interact with us, we may collect:
- Full name, title, and preferred form of address.
- Contact details such as email address, telephone number, and postal address.
- Company name, role, and professional contact information where relevant.
- Identification information provided during onboarding or suitability assessments, where required by regulation (for example, proof of identity or address details).
2. Financial and Transactional Information
In connection with mortgage consulting, property financing, and other financial services, we may collect:
- Information about your financial position, including income, expenditure, assets, liabilities, and credit history, where applicable.
- Details of property holdings or intended property purchases and related financing requirements.
- Records of services provided to you, agreements entered into, and transaction history linked to our advisory or financing activities.
- Billing and payment‑related information (for example, invoice details and payment confirmations). We do not store complete payment card details on our own systems where payments are processed through third‑party providers.
3. Communications and Interaction Data
We may collect and retain information about your interactions with us, including:
- Enquiries submitted through our Contact Us forms or other website forms.
- Emails, letters, telephone calls, virtual meeting records, and messages exchanged with our teams.
- Feedback, testimonials, survey responses, or participation in case studies or events.
- Applications and supporting documents submitted through the Careers section, including CVs, cover letters, and professional references.
4. Website Usage and Technical Information
When you visit our website, we may collect certain information automatically using cookies and similar technologies, such as:
- IP address, browser type and version, device identifiers, and operating system.
- Pages visited, links clicked, time and date of visits, referring and exit pages, and session duration.
- Aggregate usage patterns and performance metrics used to help us improve site reliability, responsiveness, and security.
5. Information from Third Parties
Where permitted by law, we may receive information about you from third parties, including:
- Credit reference agencies, fraud prevention agencies, and other due‑diligence providers.
- Professional advisers, intermediaries, or introducers involved in a transaction or advisory engagement.
- Publicly available sources, such as company registers, regulatory filings, or professional networking platforms.
We combine information we receive from third parties with information you provide directly, ensuring it is used only for the purposes for which it was obtained and as described in this Privacy Policy.
How We Use Your Information
We use personal information only where we have a lawful basis to do so, which may include your consent, the performance of a contract, our legitimate interests, or compliance with legal obligations. In particular, we use your information to:
1. Deliver and Manage Our Services
- Assess your needs and objectives in relation to mortgage finance, property investment, or financial planning.
- Provide tailored consulting, structuring, and advisory services, including presenting potential financing options.
- Prepare, negotiate, and administer agreements, applications, and related documentation.
- Maintain accurate records of engagements, advice given, transactions processed, and communications with you.
2. Process Applications and Onboarding
- Conduct identity verification, suitability assessments, and other onboarding checks.
- Evaluate eligibility for particular services, products, or investment opportunities.
- Manage credit assessments, affordability analyses, and risk reviews where relevant.
3. Personalise and Enhance Your Experience
- Respond to enquiries submitted through our website and provide relevant information or proposals.
- Customise content across our site (including Services, Consulting, Investments, and Case Studies pages) to align with your interests and profile.
- Improve website navigation, usability, and accessibility based on aggregated usage and performance data.
4. Communications, Marketing, and Relationship Management
- Send transactional or service‑related messages, such as updates on applications, service notifications, or regulatory information.
- Provide thought leadership content, market insights, or company news, where you have opted in or where permitted by law.
- Invite you to events, webinars, or briefing sessions aligned with your professional interests.
- Maintain contact with partners, investors, and professional stakeholders regarding collaborative opportunities.
5. Legal, Regulatory, and Risk Management Purposes
- Comply with applicable laws and regulations, including financial services, anti‑money laundering, sanctions, and reporting obligations.
- Prevent, detect, and investigate fraud, financial crime, or security incidents.
- Respond to lawful requests from regulatory bodies, law enforcement agencies, or courts.
- Establish, exercise, or defend legal claims and manage corporate governance, audits, and risk controls.
6. Recruitment and Talent Management
- Process and evaluate applications submitted through the Careers page or other recruitment channels.
- Assess qualifications, experience, and suitability for specific roles or opportunities.
- Maintain candidate records for a reasonable period where you consent to being considered for future roles.
Where we rely on consent (for example, for certain marketing communications), you may withdraw that consent at any time as described in the Your Rights and Choices section below.
Sharing and Disclosure
We do not sell your personal data. We share personal information only where necessary, proportionate, and subject to appropriate safeguards. Depending on the nature of our relationship with you, we may share data with:
1. Service Providers and Professional Advisers
We may engage carefully selected third parties to support the operation of our business and delivery of our services, including:
- IT and cloud hosting providers, CRM platforms, and secure document management systems.
- Analytics and website performance partners who help us understand how our site is used.
- Professional advisers such as lawyers, accountants, auditors, or consultants who support our corporate activities.
These providers are engaged under contractual obligations requiring them to handle personal data securely and only on our documented instructions.
2. Financial Institutions and Transactional Counterparties
In the context of mortgage consulting, property financing, or investment‑related engagements, and only where relevant, we may share information with:
- Banks, lenders, investment firms, or other financial institutions involved in structuring or financing a transaction.
- Valuers, surveyors, insurers, and other specialist advisers engaged in a transaction.
- Co‑investors, counterparties, or intermediaries where your data is necessary to progress the transaction or advisory work.
3. Regulatory, Supervisory, and Public Authorities
We may disclose personal information where required by law or reasonably necessary to:
- Comply with regulatory requests, reporting obligations, or legal processes.
- Co‑operate with law enforcement or supervisory authorities in the investigation of potential offences or regulatory breaches.
- Protect the rights, property, or safety of CIK FINANCIAL LTD, our clients, or members of the public.
4. Corporate Transactions
In the event of a reorganisation, merger, acquisition, or similar corporate transaction, we may transfer relevant personal data to prospective or actual counterparties and their advisers, subject to confidentiality and data protection safeguards.
5. With Your Consent or at Your Direction
In some circumstances, we may share your information with third parties where you explicitly request or authorise us to do so, for example when we introduce you to a specific service provider or partner.
Whenever personal data is shared, we take steps to ensure that the recipient has an appropriate level of protection in place, consistent with applicable data protection and financial services regulations.
Data Security Measures
Protecting the confidentiality and integrity of personal data is central to CIK FINANCIAL LTD’s operational standards. We apply a combination of technical and organisational measures designed to prevent unauthorised access, misuse, loss, or disclosure.
1. Technical Safeguards
- Use of encryption and secure protocols to protect data in transit between your browser and our systems.
- Secure hosting environments, firewalls, and access controls to help safeguard data held on our infrastructure or that of our trusted providers.
- Regular patching, monitoring, and maintenance of systems to reduce vulnerabilities and enhance resilience.
- Logical separation of environments and role‑based access permissions to help ensure that only authorised personnel can access particular data sets.
2. Organisational Controls
- Internal policies and procedures covering data protection, information security, and acceptable use.
- Access to personal data restricted to those who require it to perform their professional responsibilities.
- Confidentiality obligations in employment contracts and agreements with relevant third‑party providers.
- Ongoing staff awareness and training relating to privacy, security, and regulatory obligations.
3. Data Retention
We retain personal information only for as long as necessary to fulfil the purposes described in this Privacy Policy, including satisfying legal, regulatory, accounting, or reporting requirements. Retention periods may vary depending on:
- The nature of the relationship and type of services provided.
- Applicable financial services, anti‑money laundering, and tax regulations.
- The existence of any ongoing requests, disputes, or legal obligations.
When personal data is no longer required, we will take appropriate steps to delete, anonymise, or securely archive it in line with our retention standards.
While we strive to protect personal data, no method of transmission or storage is completely risk‑free. If you have reason to believe that your interaction with us is no longer secure, please contact us using the details in the Contact and Policy Updates section.
Your Rights and Choices
Subject to applicable law and certain exceptions, you may have rights in relation to the personal information we hold about you. These rights are intended to give you transparency and control over how your data is used.
1. Access and Portability
You may have the right to request confirmation that we process your personal data, and to obtain a copy of that information, together with details about how it is used. In some cases, you may also be entitled to request data in a structured, commonly used, and machine‑readable format.
2. Correction and Updates
If any of the personal information we hold about you is inaccurate or incomplete, you may request that it be corrected or updated. We encourage you to notify us of any changes to your contact details or circumstances relevant to our services.
3. Deletion and Restriction
In certain situations, you may request that we delete your personal information or restrict the way it is processed, for example where it is no longer necessary for the original purpose or you believe it has been processed unlawfully. We will consider such requests in line with legal and regulatory obligations, which may require us to retain certain records.
4. Objection to Processing
Where we rely on legitimate interests to process your personal data, you may have the right to object to such processing on grounds relating to your particular situation. We will assess your objection and cease processing unless we can demonstrate compelling legitimate grounds or the data is required for legal claims.
5. Marketing Preferences and Consent Withdrawal
You can manage your preferences regarding receiving insights, updates, or invitations from us. Where we send you electronic marketing communications, you can opt out at any time by using the unsubscribe link provided in those messages or by contacting us directly.
Where we process personal data based on your consent, you may withdraw that consent at any time. Withdrawal of consent will not affect the lawfulness of processing carried out before the withdrawal.
6. Making a Request or Raising a Concern
To exercise your rights or raise a question about how we handle your personal information, please contact us using the details provided in the Contact and Policy Updates section. We may need to verify your identity before responding to your request, particularly where sensitive or financial information is involved.
You may also have the right to lodge a complaint with a data protection authority in your jurisdiction if you are dissatisfied with how we handle your personal data. We encourage you to contact us first so that we can seek to resolve your concerns directly.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to provide a secure, reliable, and personalised experience. Cookies are small text files stored on your device when you visit a website. They help us understand how our site is used and enable certain features.
1. Types of Cookies We Use
- Strictly necessary cookies – Essential for core site functionality, such as secure navigation between pages and access to forms.
- Performance and analytics cookies – Help us understand how visitors interact with our website, which pages are most frequently visited, and how we can improve usability and responsiveness.
- Functional cookies – Enable the site to remember your choices (such as language or region) and provide enhanced, more personalised features.
- Targeting or marketing cookies – Where used, these support the delivery of relevant communications and measure the effectiveness of campaigns. Any such use will comply with applicable consent requirements.
2. How We Use Cookie‑Related Information
Information collected through cookies and similar technologies is used to:
- Maintain the security and availability of our website.
- Analyse aggregated traffic patterns, performance, and engagement with key sections such as Services, Consulting, Investments, and Case Studies.
- Improve user experience, navigation, and content relevance.
- Support optional features such as enquiry forms and newsletter sign‑ups.
3. Managing Cookies and Preferences
On visiting our website, you may be presented with a cookie banner or preferences tool that allows you to accept or manage non‑essential cookies. You can also configure your browser settings to:
- Refuse all cookies or accept only certain types.
- Delete cookies that have already been set.
- Notify you when a website attempts to place a cookie on your device.
Please note that disabling certain cookies may affect the functionality or performance of our website, including forms and interactive features.
For more detail on how cookies are used across our digital channels and how you can adjust your preferences, you may also refer to any dedicated cookie information made available via our website interface.
Contact and Policy Updates
If you have questions about this Privacy Policy, our use of your personal information, or if you wish to exercise your rights, please contact our privacy team using the following details:
Contacting CIK FINANCIAL LTD
When contacting us about privacy matters, please include your name, contact details, and sufficient information to enable us to identify you and understand your request. For your protection, we may need to verify your identity before taking action.
If you are an existing client, you may also raise privacy‑related questions with your usual CIK FINANCIAL contact, who will liaise with the appropriate internal team.
Policy Updates
We may update this Privacy Policy from time to time to reflect changes in our services, legal obligations, or best practices in data protection. When we make material changes, we will:
- Publish the updated Privacy Policy on this page at https://cik-financial.site/privacy-policy/, and
- Update the effective date at the top of the policy and, where appropriate, provide additional notice (for example, via our website or direct communications).
We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our website or services following an update constitutes acknowledgement of the revised policy, to the extent permitted by law.
This Privacy Policy applies in conjunction with our Terms and Conditions and any specific notices provided to you in relation to particular services or engagements.