Last updated: {LAST_UPDATED_DATE}
This privacy notice explains how Rainstone FX Ltd ("we", "us", "our") collects, uses and protects your personal data when you visit rainstonefx.co.uk or interact with us. We are the data controller for the personal data we hold about you. We are committed to handling your information in line with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
1. Who we are
Rainstone FX Ltd is registered in England and Wales (company number {CRN}). Our registered office is {REGISTERED_OFFICE_FULL}. We are authorised and regulated by the Financial Conduct Authority (FRN: {FRN}) under the Payment Services Regulations 2017.
2. What personal data we collect
- Identification data: name, date of birth, nationality, government-issued ID and proof of address (collected during onboarding for KYC and AML obligations).
- Contact data: email address, phone number, postal address.
- Financial data: bank account details, source of funds information, transaction history.
- Technical data: IP address, browser type, device information, pages visited (collected via our website).
- Communications: records of phone calls, emails and messages exchanged with our team.
3. How we use your personal data
We process your personal data for the following purposes:
- To onboard you as a client and meet our regulatory obligations (KYC, AML, sanctions screening).
- To execute foreign exchange transactions and payments on your instructions.
- To communicate with you about your account, transactions and our services.
- To send you market commentary, where you have asked us to.
- To detect, investigate and prevent fraud or illegal activity.
- To comply with legal and regulatory requirements.
- To improve our website and services.
4. Lawful basis for processing
Our lawful bases for processing your data include:
- Contract: to provide the services you have asked us to perform.
- Legal obligation: to comply with regulatory requirements (FCA, HMRC, AML legislation).
- Legitimate interests: to operate, secure and improve our service, where this does not override your rights.
- Consent: for marketing communications, which you can withdraw at any time.
5. Who we share your data with
We share personal data only with parties who help us deliver our service, and only to the extent necessary:
- Banking and payment partners (to settle transactions).
- KYC and AML service providers (to verify your identity and screen against sanctions lists).
- Resend, our transactional email provider (to deliver enquiry-form notifications).
- Our IT, hosting and security providers.
- Professional advisers (legal, accounting, audit) under confidentiality.
- Regulators, law enforcement and courts where legally required.
We do not sell your personal data, ever.
6. International transfers
Some of our service providers are based outside the UK. Where personal data is transferred, we rely on UK adequacy regulations or appropriate safeguards such as Standard Contractual Clauses.
7. How long we keep your data
We retain client records for the periods required under UK financial-services regulations, typically a minimum of five years after the end of our relationship. Website log data is retained for a much shorter period (usually under 30 days).
8. Your rights
Under UK GDPR you have the right to access, rectify, erase, restrict, or object to processing of your personal data, and the right to data portability. To exercise any of these rights, email privacy@rainstonefx.co.uk. We will respond within one month.
9. Cookies
We use a single strictly-necessary cookie to remember your preferences. See our cookies notice for details.
10. Complaints to the ICO
If you are unhappy with how we handle your personal data, you have the right to complain to the Information Commissioner's Office at ico.org.uk.
11. Changes to this policy
We may update this notice from time to time. Material changes will be highlighted on this page. The "last updated" date at the top reflects the most recent revision.
12. Contact us
For any privacy-related questions: privacy@rainstonefx.co.uk or write to us at {REGISTERED_OFFICE_FULL}.