Privacy & Cookies Policy
1. Introduction
This Privacy & Cookies Policy explains how we collect, use, store and protect your personal data when you visit our website, engage with us, or use our financial planning, financial advice and investment management services.
We are committed to protecting your privacy and handling your personal data transparently and securely in accordance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and the Privacy and Electronic Communications Regulations (PECR).
2. Data Controller
We are the data controller responsible for your personal data.
Millennial Wealth Ltd, trading as Better Financial Solutions
Registered in England & Wales (Company No. 11557299)
Registered Address: Pinnacle House, 34 Newark Road, Peterborough, PE1 5YD
Email: info@betterfinancialsolutions.co.uk
Telephone: +44 (0)1271 440228
Millennial Wealth Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Financial Services Register Number: 914746.
3. Personal Data We Collect
We may collect and process the following personal data:
- Personal identification details such as name, address, date of birth, email address and telephone number
- Financial information, assets, liabilities, income, expenditure and personal circumstances
- Information relating to the financial advice and services we provide
- Correspondence, meeting notes and communications
- Website enquiry information
Special Category Data
Where necessary for the provision of our services, we may collect special category personal data, including information relating to your health. We will only process this data where you have provided explicit consent or where processing is otherwise permitted by law.
4. Information About Connected Individuals
In order to provide our services effectively, we may need to collect personal data relating to your close family members, dependants or other connected individuals.
Where you provide us with personal data about another individual, it is your responsibility to ensure that they are aware of this privacy notice and that you have lawful authority to share their information with us. Where appropriate, we will provide a copy of this notice for you to pass on.
5. Lawful Basis for Processing
We process personal data under the following lawful bases:
Performance of a contract: to provide financial advice and related services requested by you
Legal obligation: to comply with regulatory, legal and tax requirements (including FCA obligations)
Legitimate interests: to manage our business, maintain records, handle complaints, and defend or pursue legal claims, provided your rights do not override these interests
Consent: where required, including for marketing communications and the processing of special category data
You may withdraw consent at any time where consent is the lawful basis for processing.
6. How We Use Your Personal Data
We use your personal data to:
- Provide financial planning, financial advice and investment management services
- Communicate with you regarding enquiries and ongoing services
- Respond to contact requests submitted via our website, which are typically made by existing clients
- Fulfil legal, regulatory and compliance obligations
- Carry out identity verification and anti-money laundering checks
- Maintain accurate internal records
- Send marketing communications where you have provided consent
7. Data Sharing
We do not sell your personal data.
Where necessary, we may share your personal data with trusted third parties, including:
- Compliance consultants and regulatory service providers
- Accountants, auditors and legal advisers
- Product providers, platforms and discretionary fund managers
- IT, CRM, cloud hosting and software providers (including our website hosting provider)
- Identity verification and fraud prevention agencies
- Regulators, law enforcement agencies or authorities where required by law
All third parties are required to process your data securely and in accordance with our instructions and applicable data protection law.
8. International Data Transfers
Your personal data is not routinely transferred outside the United Kingdom.
Where any data is processed outside the UK, we will ensure that appropriate safeguards are in place to protect your personal data in accordance with UK GDPR, such as adequacy regulations or approved contractual protections.
9. Data Retention
We retain personal data only for as long as necessary to fulfil the purposes for which it was collected and to meet our legal and regulatory obligations.
Regulatory minimum retention periods generally include:
- Five years for investment business
- Three years for mortgage business
- Indefinite retention for pension transfers and opt-outs
- Three years for insurance business
These are minimum retention periods. We may retain data for longer where required to handle complaints, legal claims or in our legitimate interests. In any event, we will not retain personal data for longer than six years following notification of your death.
10. Your Rights
Under UK GDPR, you have the right to:
- Request access to the personal data we hold about you
- Request correction of inaccurate or incomplete data
- Request erasure of your personal data, subject to legal and regulatory requirements
- Request restriction of processing
- Object to processing, including direct marketing
- Request data portability
- Withdraw consent at any time where consent is relied upon
- Be informed about any automated decision-making (if applicable)
To exercise your rights, please contact us using the details set out above.
11. Marketing
We may send you information about our products and services where you have provided consent.
You may withdraw your consent and opt out of marketing communications at any time by using the unsubscribe link in our emails or by contacting us directly.
12. Cookies
Our website is hosted using a template website builder provided by IONOS.
Our website uses only essential cookies that are necessary for the operation and security of the site, including cookies required for hosting, load balancing and basic security.
We do not use analytics cookies, tracking cookies or marketing cookies, and we do not monitor or analyse visitor behaviour.
Essential cookies do not require consent under UK law. You can control or delete cookies through your browser settings; however, disabling cookies may affect basic website functionality.
Our website uses only essential cookies that are necessary for the operation and security of the site.
We do not use analytics cookies, tracking cookies or marketing cookies, and we do not monitor or analyse visitor behaviour.
Essential cookies do not require consent under UK law. You can control or delete cookies through your browser settings; however, disabling cookies may affect basic website functionality.
13. Links to Other Websites
Our website may contain links to other websites. This privacy policy applies only to our website. When you follow links to other websites, you should read their own privacy policies.
14. Complaints
If you have concerns about how we handle your personal data or are dissatisfied with any recommendation or service we have provided, please contact us in the first instance so that we can address the issue.
We operate an internal complaints procedure, which is available on request. Complaints should be submitted in writing to:
Millennial Wealth Ltd (trading as Better Financial Solutions)
Pinnacle House, 34 Newark Road
Peterborough, PE1 5YD
If you are unable to resolve your complaint with us, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS), which is an independent body set up to resolve disputes between authorised firms and their clients.
Further information about the Financial Ombudsman Service and how to make a complaint can be found at www.financial-ombudsman.org.uk or by calling 0800 023 4567.
You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) in relation to data protection matters.
15. Regulatory Information and Updates to This Policy
The information contained within this website is subject to the UK regulatory regime and is intended primarily for consumers based in the United Kingdom.
We keep this Privacy & Cookies Policy under regular review and may update it from time to time. Any changes will be published on this page.
Last updated: 27 January 2026
Website Footer Regulatory Disclosure
Millennial Wealth Ltd trading as Better Financial Solutions is authorised and regulated by the Financial Conduct Authority. Financial Services Register number 914746.
Registered Office: Pinnacle House, 34 Newark Road, Peterborough, PE1 5YD. Registered in England & Wales. Company No. 11557299.
The information on this website is subject to the UK regulatory regime and is intended for consumers based in the United Kingdom.
Contact Form Privacy Notice
When you contact us using the website contact form, we will use the information you provide solely to respond to your enquiry. Website enquiries are typically submitted by existing clients. Information submitted via the contact form is not used for marketing purposes unless you have separately provided consent. We keep this Privacy & Cookies Policy under regular review and may update it from time to time. Any changes will be published on this page.
Last updated: 27 January 2026
