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1.1 Tenet Group Ltd together with any group companies ("we" "us" "our") are committed to protecting and respecting your privacy. We are the data controller and will process your personal data in accordance with the Data Protection Act 1998 as amended or replaced by the General Data Protection Regulation 2016 and any national laws which relate to the processing of personal data ("data protection legislation").
1.2 Please read the following carefully to understand our views and practices regarding Your Data and how we will treat it.
This policy applies to information we collect about:
2.1 We may collect and process personal data about you in the following circumstances:
2.1.1 when you complete the online contact forms on our websites ("Sites") providing us with your name, address, email address and contact number.
2.1.2 whenever you provide information to us when reporting a problem with our Sites, making a complaint, making an enquiry or contacting us for any other reason. If you contact us, we may keep a record of that correspondence;
2.1.3 when you visit our Sites we will retain details such as traffic data, location data, weblogs and other communication data, and the resources that you access (see section 2.2.2 on Cookies below); and
2.1.4 whenever you disclose your information to us, or we collect information from you in any other way, through our Sites.
2.2 We may also collect data in the following ways:
2.2.1 We may collect information about your device, including where available your Internet Protocol address, for reasons of fraud protection. We may also collect information about your device's operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.
2.3 We may use your personal data for our legitimate interests in order to:
2.3.1 provide you with information, or services that you requested from us;
2.3.2 respond to an enquiry submitted via on of our online contact forms;
2.3.3 allow you to participate in interactive features of our Sites, when you choose to do so;
2.3.4 ensure that content from our Sites are presented in the most effective manner for you and for your device;
2.3.5 improve our Sites and services;
2.3.6 process and deal with any complaints or enquiries made by you; and
2.3.7 contact you for marketing purposes where you have signed up for these (see section 9 for further details).
Our Site may, from time to time, contain links to and from the websites of third parties. Please note that if you follow a link to any of these websites, such websites will apply different terms to the collection and privacy of your personal data and we do not accept any responsibility or liability for these policies. Please check before you submit your information to these websites.
3.1 We will collect details such as names, addresses, contact numbers, financial information and employment references via the member application forms both online and hard copies. We may also receive details of credit checks undertaken where you have supplied these to us. Depending on the legal structure of the prospective member, such personal data may relate to a sole trader, directors, guarantors, shareholders, partners, registered advisers, arrangers and members of staff.
3.2 In order to comply with our legal obligations, we will:
3.2.1 use your personal data to undertake due diligence and ensure our members are fit and proper in accordance with the Financial Services and Markets Act 2000 ("FSMA") and Financial Conduct Authority Handbook rules;
3.2.2 provide you with regulatory updates and information in accordance with FSMA requirements; and
3.2.3 pass your personal data to the Financial Conduct Authority in order to comply with our legal obligations and may also pass your personal data to the Financial Ombudsman Service and the Financial Services Compensation Scheme to assist with an investigation or complaint or other authorities required by law.
3.3 We will use personal data provided to comply with our contractual obligations arising from any agreements we enter into with members and share the data with our panel of financial institutions who can assist in the provision of financial services to customers. We will use the personal data for our legitimate interests including:
3.3.1 sharing personal data with organisations that support our advisor development programmes;
3.3.2 obtaining references using the contact details provided;
3.3.3 marketing our own products and services by mail and email; and
3.3.4 with your consent, sharing such data with third party financial institutions, our group companies and our third party software suppliers for the purpose of marketing their financial services and products which may be of interest.
3.4 We will not transfer any member personal data outside the European Economic Area ("EEA") and we will retain the data for as long as a member remains part of our network and for a period of 6 years from the termination of our agreement with a member. For unsuccessful applicants for membership, we will retain the personal data for up to 15 years in accordance with FCA guidance.
4.1 Our members share customer personal data with us including name, address, telephone number, email address, health information and financial information. We are subject to a legal obligation to monitor member's compliance with the FSMA and Financial Conduct Authority rules. This monitoring and any para-planning service we are instructed to undertake on behalf of a member will include the processing of customer personal data. We will also process customer personal data for our legitimate interests including:
4.1.1 to assist with staff and member training;
4.1.2 deal with complaints and defend claims;
4.1.3 to send customer satisfaction surveys; and
4.1.4 to facilitate the payment process to our members.
4.2 We will not transfer any personal data outside the EEA and we will retain customer personal data for 80 years.
5.1 In relation to TenetSelect client firms, we will collect details such as names, addresses, contact numbers, financial information via our TenetSelect client application form. We will use the personal data to comply with our contractual obligations and provide you with the compliance services you have requested.
5.1.1 We will use the personal data for our legitimate interests including:
188.8.131.52 sharing personal data with organisations that support our advisor development programmes;
184.108.40.206 marketing our own products and services by mail; and
220.127.116.11 with your consent, sharing such data with third party financial institutions and our group companies for the purpose of marketing their financial services and products which may be of interest.
5.2 As part of the compliance services provided to TenetSelect client firms we may process personal data relating to TenetSelect client's consumers including name, address, telephone number, email address, health information and financial information. We will process such data to comply with our contractual obligations with TenetSelect client firms and in accordance with the TenetSelect client's instructions (including processing personal data as part of checks/review services we carry out for quality and compliance services).
5.3 TenetSelect client firms will ensure that they obtain their consumer's consent to the processing of their personal data prior to sharing the data with us.
5.4 We will not transfer any personal data outside the EEA and we will retain TenetSelect client personal data for a period of 6 years from termination of our contract with a TenetSelect client. For TenetSelect client consumer personal data, we will retain the personal data for 6 years.
We collect information relating to the key contact of an organisation. This includes the individual's name, email address and telephone number. This information is collected in order to supply the services requested from us, to comply with our contractual obligations and to provide notification of any changes to our services. We do not share the personal information collected with third parties and we will only retain the personal information for the term of the contract for services. We will not transfer any personal data outside the EEA.
We will collect details such as contact names, address, email address and telephone number in order to contact you about goods and/or services we have ordered from you, to comply with our contractual obligations and to place further orders. We may share your personal data with our employees to manage our relationship with you and we will keep your personal data for as long as we require your goods and/or services subject to a maximum of six years from the date of our last contact with you. We will not transfer your personal data outside the EEA.
8.1 We will collect details such as names, addresses, contact numbers, financial information and employment references via the introducer application forms. We may also receive details of credit checks undertaken where you have supplied these to us. Depending on the legal structure of the prospective introducer such personal data may relate to a sole trader, directors, company secretaries, shareholders, and partners.
8.2 In order to comply with our legal obligations, we will:
8.2.1 use your personal data to ensure you are suitable to act as an introducer and we satisfy the requirements of the 'Principles for Business' in accordance with the Financial Services and Markets Act 2000 ("FSMA") and Financial Conduct Authority Handbook rules;
8.2.2 pass your personal data to the Financial Conduct Authority in order to comply with our legal obligations and may also pass your personal data to the Financial Ombudsman Service and the Financial Services Compensation Scheme to assist with an investigation or complaint or other authorities required by law; and
8.2.3 use your personal data to facilitate the payment of commissions to you.
8.3 We may share your personal data with our employees to manage our relationship with you and we will keep your personal data for as long as you are an introducer to us subject to a maximum of six years from the date of our last contact with you. We will not transfer your personal data outside the EEA.
9.1 This section provides information relating to marketing correspondence we may send to you and does not include the regulatory updates we are required to send to you in accordance with FSMA requirements (see section 3.2.2).
9.2 We may use member and TenetSelect client firm personal data to provide you with details about our goods, services, business updates and events which we think may be of interest.
9.3 You have the right to opt-out of receiving the information detailed in section 9.2 at any time. To opt-out of receiving such information you can:
9.3.1 tick the relevant box situated in the form on which we collect your information;
9.3.2 clicking the unsubscribe button contained in any such communication received; or
9.3.3 email us at email@example.com or call 0113 239 0011 providing us with your name and contact details.
9.4 Where we have your consent, we may use your personal data to market the services and products of third party financial institutions. You have the right to opt-out of receiving such marketing information by contacting us using the contact details described above in section 9.3.3 or clicking the unsubscribe button contained in any such communication received.
9.5 Where you have subscribed to receive marketing correspondence from us we will keep your personal data for six years from when you subscribed to receiving marketing information from us or until you unsubscribe from receiving such correspondence from us (whichever is earlier).
10.1 In accordance with data protection legislation we are required to notify you of the legal basis upon which we process your personal data. We process your personal data for the following reasons:
10.1.1 for performance of a contract we enter into with you;
10.1.2 where necessary for compliance with a legal obligation we are subject to; and
10.1.3 for our legitimate interests (as described within this policy).
10.2 We will also process your personal data where we have obtained your explicit consent.
11.1 In addition to the third parties mentioned previously in this policy, we may disclose your personal data to third parties for the following legitimate business purposes:
11.1.1 staff members in order to facilitate the provision of services to you;
11.1.2 to our affiliated entities to support internal administration;
11.1.3 IT software providers that host our website and store data on our behalf; and
11.1.4 to a prospective buyer of some or all of our business or assets, in which case personal data including Your Data will also be one of the transferred assets.
11.2 We may disclose your personal data to the police, regulatory bodies, legal advisors or similar third parties where we are under a legal duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our agreements; or to protect our rights, property, or safety of our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
11.3 We will not sell or distribute your personal data to other organisations without your approval.
We do not transfer personal data outside the EEA. Where this is required in the future, we will ensure that safeguards are in place so that such transfers comply with data protection legislation.
13.1 Information you provide to us is shared on our secure servers. We have implemented appropriate physical, technical and organisational measures designed to secure your information against accidental loss and unauthorised access, use, alteration or disclosure. In addition, we limit access to personal data to those employees, agents, contractors and other third parties that have a legitimate business need for such access.
13.2 Where we have given you (or where you have chosen) a password which enables you to access certain parts of our Sites, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
13.3 Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your information transmitted to our Site; any transmission is at your own risk.
14.1 It is important that the personal data we hold about you is accurate and current. Please keep us informed if the personal data we hold about you changes.
14.2 Data protection legislation gives you certain rights in relation to your personal data. You have the right to object to the processing of your personal data in certain circumstances and to withdraw your consent to the processing of your personal data where this has been provided.
14.3 You can also ask us to undertake the following:
14.3.1 update or amend your personal data if you feel this is inaccurate;
14.3.2 remove your personal data from our database entirely;
14.3.3 send you copies of your personal data in a commonly used format and transfer your information to another entity where you have supplied this to us, and we process this electronically with your consent or where necessary for the performance of a contract;
14.3.4 restrict the use of your personal data; and
14.3.5 provide you with access to information held about you and for this to be provided in an intelligible form.
14.4 We may request specific information from you to help us confirm your identity. Data protection legislation may allow or require us to refuse to provide you with access to some or all the personal data that we hold about you or to comply with any requests made in accordance with your rights referred to above. If we cannot provide you with access to your personal data, or process any other request we receive, we will inform you of the reasons why, subject to any legal or regulatory restrictions.
14.5 Please send any requests relating to the above to our Privacy Officer at firstname.lastname@example.org specifying your name and the action you would like us to undertake. Note that in relation to requests to access personal data, we reserve the right to charge a reasonable fee to comply with your request.
Where you have provided your consent to the collection, processing and transfer of your personal data, you may withdraw that consent at any time. This will not affect the lawfulness of data processing based on consent before it is withdrawn. To withdraw your consent please contact us at email@example.com.
Last updated: 18 May 2018.
The information on this site is for general guidance only and is subject to UK regulation and legislation. It is therefore restricted to consumers based in the UK.
All information provided by Tenet Group Ltd on the web site, is made available to provide immediate access for the convenience of interested persons. While Tenet Group Ltd believes the information to be reliable, human or mechanical error remains a possibility. Therefore, we can not guarantee the accuracy, completeness, timeliness, or correct sequencing of the information.
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Modern Slavery Act 2015 ("MSA") Tenet Group Ltd and Subsidiaries (''Tenet") Slavery and Human Trafficking Statement for the Financial Year ending 30 September 2017
This statement is made pursuant to s.54 of the Modern Slavery Act 2015 and sets out the steps that Tenet has taken, and is continuing to take, to ensure that modern slavery or human trafficking is not taking place within our business or supply chain.
Modern Slavery encompasses slavery, servitude, human trafficking and forced labour. Tenet has a zero tolerance approach to any form of modern slavery. We are committed to acting ethically and with integrity and transparency in all business dealings, and to putting effective systems and controls in place to safeguard against any form of modern slavery taking place within the business or our supply chain.
Tenet is a UK based company which operates a Financial Services Network through its subsidiary companies, TenetConnect Limited, TenetConnect Services Limited and Tenetlime Limited, all of which are authorised and regulated by the Financial Conduct Authority.
Tenet authorises individuals and corporate bodies to act as its Appointed Representatives in accordance with the Financial Services and Markets Act 2000.
Tenet is a service business within the financial services sector, providing amongst other things compliance and back office support to its Appointed Representatives who are authorised by us to provide financial advice and recommend financial products to retail customers within the United Kingdom.
Our supply chains include suppliers of IT, telephone and office equipment, hotel conference facilities, insurance brokerage, professional services from our lawyers, accountants and other advisers.
Our suppliers are predominantly from the United Kingdom, Europe and the United States of America. Following a review of our suppliers, we determined that we are in a low risk industry as are the vast majority of our suppliers; therefore we do not consider the risk of modern slavery within our supply chain to be a significant risk.
We shall be contacting all relevant suppliers to ensure that they comply with the Modern Slavery Act 2015.
We have taken appropriate steps to help ensure that slavery or human trafficking is not taking place in our supply chains by reviewing existing business and supply chains and reviewing and revising our procurement processes to ensure that Modern Slavery does not exist.
Our procurement process includes steps to ensure that assurance is sought from relevant suppliers that they have anti-slavery and human trafficking policies in place and whether they are taking steps to prevent slavery and human trafficking in their respective business and supply chains. We will not support or engage suppliers where they/we are aware of slavery or human trafficking in such suppliers' business or supply chains or where a supplier has failed to give us the requisite assurances.
We allow all individuals who work or provide services to us the right to freely choose employment and the right to associate freely with other individuals. We offer an environment which is free from harassment and unlawful discrimination.
We ensure that our working practices are in accordance with the Equality Act 2010 and all employment legislation. We do not engage in forced or involuntary labour and have a zero tolerance approach to the same, meaning we do not tolerate any of our suppliers engaging in such conduct.
This statement is made under section 54(1) of the Modern Slavery Act 2015 and constitutes Tenet's slavery and human trafficking statement for the financial year ending 30th September 2017.
This statement has been approved by Tenet's Board of Directors and will be reviewed annually.
Chief Executive Officer
Date: 19th March 2018
Tenet Group Ltd (the Tenet Group) is required by law to publish an annual gender pay gap report. This is its report for the snapshot date of 5th April 2017.
|A||28%||72%||Includes all employees whose standard hourly rate places them at or below the lower quartile|
|B||34%||66%||Includes all employees whose standard hourly rate places them above the lower quartile but at or below the median|
|C||51%||49%||Includes all employees whose standard hourly rate places them above the median but at or below the upper quartile|
|D||68%||32%||Includes all employees whose standard hourly rate places them above the upper quartile|
The figures set out above have been calculated using the standard methodologies used in the Equality Act 2010 (Gender Pay Gap Information) Regulations 2017.
Under the law, men and women must receive equal pay for:
The Tenet Group is committed to the principle of equal opportunities and equal treatment for all employees, regardless of sex, race, religion or belief, age, marriage or civil partnership, pregnancy/maternity, sexual orientation, gender reassignment or disability. It has a clear policy of paying employees equally for the same or equivalent work, regardless of their sex (or any other characteristic set out above).
Tenet Group is therefore confident that its gender pay gap does not stem from paying men and women differently for the same or equivalent work. Rather its gender pay gap is the result of the roles in which men and women work within the Company and the salaries that these roles attract.
Across the UK economy as a whole, men are more likely than women to be in senior roles, while women are more likely than men to be in front-line roles at the lower end of the organisation. In addition, men are more likely to be in technical and IT-related roles, which attract higher rates of pay than other roles at similar levels of seniority. Women are also more likely than men to have had breaks from work that have affected their career progression, for example to raise children. They are also more likely to work part time.
At Tenet Group we have four group Board Directors, three of whom are women. We are therefore bucking the trend in this regard compared to most organisations. We are therefore committed to reducing the gender pay gap over time, and are undertaking several initiatives currently to assist in this regard:
None of these initiatives will, of itself, remove the gender pay gap - and it may be several years before some have any impact at all. In the meantime, the Tenet Group is committed to reporting on an annual basis on what it is doing to reduce the gender pay gap and the progress that it is making.
I, Emily Blain, Head of HR & Central Services, confirm that the information in this statement is accurate.
Date: 5th April 201