Privacy Policy

1. Introduction

Current Stream Limited ("we", "our", or "us") is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website current-stream.com and use our investment services.

This policy applies to all information collected through our website, services, and any related services, sales, marketing, or events (collectively, the "Services").

2. Information We Collect

2.1 Personal Information You Provide

We collect personal information that you voluntarily provide to us when:

• Registering for our services
• Requesting information about our products or services
• Participating in activities on our website
• Contacting us for support or inquiries
• Subscribing to our newsletter or marketing communications

This information may include:

• Name and contact information (email address, phone number, postal address)
• Financial information (income, investment experience, risk tolerance)
• Identity verification documents
• Employment and professional information
• Investment preferences and objectives
• Bank account and payment information

2.2 Information Automatically Collected

When you visit our website, we may automatically collect certain information about your device and usage patterns:

• IP address and location data
• Browser type and version
• Operating system
• Pages visited and time spent on pages
• Referring websites
• Device identifiers

2.3 Cookies and Similar Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. For detailed information about our cookie usage, please refer to our Cookie Policy.

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 Service Provision

• Providing investment advice and portfolio management services
• Processing transactions and managing your account
• Conducting risk assessments and suitability evaluations
• Communicating about your investments and market developments

3.2 Legal and Regulatory Compliance

• Verifying your identity and preventing fraud
• Complying with anti-money laundering regulations
• Meeting Financial Conduct Authority (FCA) requirements
• Maintaining accurate records as required by law

3.3 Business Operations

• Improving our services and website functionality
• Conducting market research and analysis
• Developing new products and services
• Managing customer relationships

3.4 Marketing and Communications

• Sending newsletters and educational content
• Providing information about relevant services
• Conducting customer satisfaction surveys
• Personalising your experience on our website

4. Legal Basis for Processing

Under UK data protection law, we process your personal information based on the following legal grounds:

4.1 Contractual Necessity

Processing necessary for the performance of a contract with you or to take steps at your request before entering into a contract.

4.2 Legal Obligation

Processing necessary to comply with legal obligations, including financial services regulations and tax requirements.

4.3 Legitimate Interests

Processing necessary for our legitimate business interests, such as:

• Preventing fraud and ensuring security
• Improving our services
• Direct marketing (where permitted)
• Network and information security

4.4 Consent

Where you have given clear consent for us to process your personal information for specific purposes, such as marketing communications.

5. Information Sharing and Disclosure

We may share your information in the following circumstances:

5.1 Service Providers

We work with trusted third-party service providers who assist us in operating our business:

• Investment platforms and custodians
• Technology and software providers
• Professional advisors (lawyers, accountants, auditors)
• Marketing and communications providers
• Identity verification and compliance services

5.2 Legal Requirements

We may disclose your information when required by law or regulation, including:

• Court orders or legal proceedings
• Regulatory investigations
• Tax reporting requirements
• Anti-money laundering obligations

5.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5.4 Consent

We may share your information with other parties when you have given explicit consent for such sharing.

6. International Transfers

Some of our service providers may be located outside the UK. When we transfer your personal information internationally, we ensure appropriate safeguards are in place:

• Transfers to countries with adequate data protection laws
• Standard contractual clauses approved by the ICO
• Binding corporate rules for multinational service providers
• Your explicit consent for specific transfers

7. Data Security

We implement appropriate technical and organisational measures to protect your personal information:

7.1 Technical Safeguards

• Encryption of data in transit and at rest
• Secure hosting infrastructure
• Regular security updates and patches
• Multi-factor authentication
• Intrusion detection and monitoring systems

7.2 Organisational Measures

• Staff training on data protection
• Access controls and need-to-know principles
• Regular security audits and assessments
• Incident response procedures
• Data retention and disposal policies

8. Data Retention

We retain your personal information for as long as necessary to fulfil the purposes outlined in this policy and comply with legal requirements:

• Client Records: Up to 7 years after relationship ends (regulatory requirement)
• Marketing Data: Until you withdraw consent or we no longer have a legitimate interest
• Website Analytics: Typically 24-38 months
• Transaction Records: As required by financial services regulations

9. Your Rights

Under UK data protection law, you have the following rights regarding your personal information:

9.1 Right to Information

The right to be informed about how your personal information is being used (this Privacy Policy).

9.2 Right of Access

The right to obtain confirmation that your data is being processed and access to your personal information.

9.3 Right to Rectification

The right to have inaccurate personal information corrected or completed if incomplete.

9.4 Right to Erasure

The right to have your personal information deleted in certain circumstances.

9.5 Right to Restrict Processing

The right to limit how we use your personal information in specific situations.

9.6 Right to Data Portability

The right to receive your personal information in a portable format and transfer it to another provider.

9.7 Right to Object

The right to object to processing based on legitimate interests or for marketing purposes.

9.8 Rights Related to Automated Decision Making

Rights regarding automated decision-making and profiling.

9.9 Exercising Your Rights

To exercise any of these rights, please contact us using the details provided in Section 12. We will respond to your request within one month.

10. Marketing Communications

We may send you marketing communications about our services if:

• You have given consent
• You are an existing client and the communications relate to similar services
• We have a legitimate interest and your rights don't override this interest

You can opt out of marketing communications at any time by:

• Clicking the unsubscribe link in emails
• Contacting us directly
• Updating your preferences in your account settings

11. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete such information.

12. Contact Information

If you have questions about this Privacy Policy or wish to exercise your data protection rights, please contact us:

13. Complaints

If you are not satisfied with how we handle your personal information, you have the right to lodge a complaint with the Information Commissioner's Office (ICO):

14. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending an email notification to registered users
• Displaying a prominent notice on our website

The updated policy will be effective from the date indicated at the top of this page.

15. Regulatory Information

Current Stream Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA reference number is [FCA Reference Number]. You can verify our regulatory status on the FCA register at register.fca.org.uk.

This Privacy Policy is part of our commitment to treating customers fairly and maintaining the highest standards of data protection in the financial services industry.