We take your privacy seriously and are committed to handling your personal information lawfully, fairly and transparently under the UK GDPR and the Data Protection Act 2018.
This privacy notice explains how we collect, use, share, store and protect your personal information – including where we use artificial intelligence (AI) or automated tools.
Please contact us if you have any questions about our privacy policy or personal information, we hold about you.
Via post | Premier Plus Ltd, Unit 1a Fenice Court, Phoenix Park, Eaton Socon, St Neots, Cambs, PE19 8EW |
Via phone | 01480 477774 |
Via email | info@premierplusltd.co.uk |
We will collect or use your personal information when you engage us for financial advice, mortgage advice or protection services. This information may include:
Personal identifiers – details that help us to confirm who you are, such as:
Your name, date of birth, address, contact details
National insurance number
Identification documents (passport, driving licence)
Financial and professional information – Information that helps us understand your financial position including:
Your income and regular spending
Details of your assets, liabilities, pensions & investments
Tax information
Bank account details
Employment information
We may also need to use special category information, but only, where relevant and with your explicit consent. This could include:
Health information (for example, when providing insurance advice)
Racial or ethnic origin
Political opinions
Religious or philosophical beliefs
Trade union membership
Genetic information
Biometric information (where used to identify someone, such as for access or payment purposes)
Sex life information
Sexual orientation information
Communications – to keep accurate records and meet regulatory requirements we may record:
Emails, notes of telephone calls, meeting notes
Records required to meet the FCA’s requirements
How we collect your personal information
We may collect personal information directly from yourselves including during telephone conversations, face to face meetings and email conversations. We may also collect information when you voluntarily complete client surveys or provide feedback to us.
We use cookies to understand how visitors use our website and to help us create reports and improve the site. These are text files placed on your computer to collect standard internet log information and visitor behaviour information. We’ll use your information collected from the website to personalise your repeat visits to the site. If you’d like to learn more about cookies, you can visit: http://www.allaboutcookies.org/ You can change your browser settings to block or delete cookies at any time. The website above explains how to do this. Please note that if you choose to block cookies, some parts of our website may not work as expected.
We use your personal information to help us deliver the services you’ve asked for. This may include:
Understanding your financial situation so we can give you the right advice
Providing recommendations that meet FCA rules on suitability
Applying for or arranging financial products on your behalf
Carrying out identity, fraud and anti‑money‑laundering checks
Keeping accurate and compliant records
Communicating with you about your services, plans, policies or investments
Who we share your personal information with
To provide you with our services, we sometimes need to share your personal information with trusted third parties. These may include:
Financial product providers such as insurers, investment platforms and pension providers
Compliance consultants, auditors and professional advisers who help us meet regulatory requirements
IT service providers and secure cloud platforms that support our systems
Regulators and authorities such as the FCA, HMRC and the Financial Ombudsman Service
Credit reference agencies, but only when necessary
Third party agencies for identity verification purposes in order to fulfil our obligations in respect of prevention of money-laundering and other financial crime
We won’t share your information for marketing purposes with external companies and we will never sell your personal information to anyone.
We may use AI tools to help us review information more efficiently and provide you with faster, more accurate services. The AI doesn’t make decisions about you on its own — a human always checks the results.
AI tools may be used for:
Drafting or summarising internal documents (e.g., meeting notes)
Identifying patterns or errors in data
Enhancing compliance monitoring
Supporting risk assessments or vulnerability detection (non‑decision‑making)
We do not use any systems for making automated decisions. All outputs and decisions made by AI are subject to human review and approval before being used or relied on.
The purpose of processing your personal information using AI is to fulfil the tasks listed above. Our lawful basis for using AI to process your personal information is performance of a contract.
Any AI assisted output is reviewed by a human adviser before being used or relied on.
Where AI tools are used we will ensure:
Only the minimum necessary personal information is processed
Recordings will be encrypted
Processing occurs in secure, regulated systems
Conduct initial and ongoing due diligence on AI programmes used
We do not use AI tools that use your personal information to train public models. Should you wish that AI is not used to process your data, then please advise us in writing at the above address.
You have several rights under data protection law. This helps you understand and control how your personal information is used.
Right to be informed – You can ask us to explain how we collect, use, share, and store your personal information.
Right of access – You can request a copy of the personal information we hold about you, along with details of how we use it.
Right to rectification – If you think any of your information is wrong or incomplete, you can ask us to correct or update it.
Right to erasure – In some situations, you can ask us to delete your personal information.
Right to restrict processing – You can ask us to limit how we use your information in certain circumstances.
Right to object – You can object to us using your personal information, for example for direct marketing.
Right to data portability – You can ask us to send your personal information to you, or directly to another organisation, in a structured, commonly used electronic format.
Rights related to automated decision‑making and profiling – If a decision about you is made without human involvement, you can challenge it and ask for someone to review it.
We will respond to any request you make about your data protection rights within one month. To make a request, please contact us using the contact details at the top of this privacy notice.
UK data protection law requires us to have a valid legal reason—called a ‘lawful basis’—for collecting and using your personal information. The UK GDPR sets out the different lawful bases. The lawful basis we rely on may affect which data protection rights apply to you. Below, we’ve listed your rights in brief. You can read more about your data protection rights, including any exceptions, on the ICO’s website; For the public | ICO
We must have a valid legal reason (a ‘lawful basis’) for collecting and using your personal information. For the, financial advice, mortgage advice and protection services we provide, we rely on the below lawful bases.
This is the main reason we use your personal information. We need certain details from you so we can deliver the services we’ve agreed to provide.
Sometimes the law requires us to collect and use specific information. For example, UK anti‑money‑laundering laws require us to verify your identity.
In some situations, we may need your explicit consent to use special category information (listed on page one). We will always explain why we need this information and ask for your clear agreement before using it.
We also ask for your consent if you would like to receive updates about products or services that may interest you. If we rely on your consent, you can withdraw it at any time.
We may keep certain personal information because we have a legitimate business reason to do so, for example, to check the suitability of our services, respond to any complaints in the future, or to meet the requirements of our Professional Indemnity insurer.
We keep the personal information we need to provide our services to you, and we take reasonable steps to make sure it stays accurate and up to date. Some information must be kept for minimum periods set by our regulator, the Financial Conduct Authority (FCA), these are as follows:
Investment business – minimum of five years
Mortgage business – minimum of three years
Pension transfers and opt‑outs – kept indefinitely
Insurance business – minimum of three years
Wills and Estate Planning – minimum of three years
We also have to keep Identity‑verification documents (required under UK anti‑money‑laundering rules) for:
At least five years after our relationship with you ends
Up to ten years if we still have an ongoing relationship
Because these are legal requirements, we cannot delete your information before these time periods have passed.
We may keep your personal information for longer if we have a legitimate business reason to do so. You can ask us to delete your personal information. We will do so unless we are required to keep it for legal or legitimate business reasons.
If you would like more information about how long we keep your personal information or how we decide this, please contact us.
We may need to collect personal information about your close family members and dependents to provide our service(s) effectively. If this is the case, you are responsible for ensuring you have their consent to share this information with us. If you act as a trustee or attorney, we may also need information about the relevant beneficiaries or donor(s). We will ask you to pass on a copy of this privacy notice for their information.
We may contact you with information about our products and services that we think you might find useful. If you’ve agreed to receive marketing from us, you can change your mind at any time. Just get in touch using the contact details at the top of this privacy notice.
Our website may include links to other sites. Please remember that this privacy notice only covers our website, so we recommend checking the privacy policies of any other sites you visit.
If you have any concerns about how we use your personal information, you can contact us using the details at the top of this privacy notice.
If you are not satisfied with our response, you can also complain to the ICO. The ICO’s address is:
Information Commissioner’s Office
Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF
Helpline number: 0303 123 1113
Website: https://www.ico.org.uk/make-a-complaint
We keep our privacy policy under regular review. This privacy notice was last updated on 09/03/2026.
Josh has been working in financial services since 2023, previously a mortgage advisor, whilst also having a long-standing career in property. Josh holds both a full CeMAP and Dip FS qualifications giving him a broad expertise in the financial world. Josh is driven by customer outcomes and has always take huge amounts of pride in delivering the best experience for his clients. Josh likes to look at the big picture and help clients with all areas of their financial needs.
Outside of work, Josh loves playing sports, specifically golf, and is a keen hiker. He loves reading, all things media, especially music, and loves spending time with his family.
Ryan first started in the industry in 2017 and takes pride in knowing that the upmost care & attention is taken when advising clients of their requirements for their protection planning.
‘Born & Bred’ in St Neots, Ryan lives locally with his wife, young daughter & border terrier. When away from work, he loves spending time with his family, partial to a cruise or two with his family and is a keen runner.
Gary has lived in St Neots since childhood and was pleased to join a local IFA, Premier Plus, in October 2013, having moved from another Cambridgeshire-based IFA.
“I am an Independent Financial Adviser with over 20 years in the industry, including 10 years working with a discretionary fund manager, where I obtained a great deal of experience regarding investments and pensions that I bring to my clients.”
Outside of work, Gary is very involved with St Neots Town Football Club, where he has held club secretary and director roles in recent years, following 13 years as a football referee.
Claire has been working in the Financial Services industry since 2001 and has spent the majority of her career working for the Yorkshire Building Society Group where she completed her CeMap qualification. Her roles included Mortgage and Protection Adviser, Development Coach, Mortgage and Protection Manager and Compliance Monitoring Associate.
Claire is happily married with two children. When she is not working Claire enjoys spending time outdoors with her family, taking her dogs for walks in the countryside or relaxing in the garden with her pet chickens.
Martin joined the industry in 1991, working with Legal & General to build up his own team of financial advisors, before joining forces with Premier Plus in 2005.
“At Premier Plus I continue to provide corporate and family protection along with mortgage advice. I work with clients all over the country, particularly in London and the South East where I am based.”
Martin has been happily married for over 35 years and enjoys all forms of sport, particularly cricket, whilst he is a hardened Liverpool Football Club supporter.
Toni has worked in the financial services industry for over 13 years, firstly with Lloyds Banking Group and now with Premier Plus Ltd and has a passion for helping people realise their dream of owning their own home.
She aims to build long lasting relationships by offering the best advice and service she can possibly give
When Toni’s not working, she loves spending time at home with her young family making memories and also keeping fit. If she’s not doing either of these, you will most likely find her in the garden or on her allotment enjoying all that nature has to give.
Roxy has been working for Premier Plus for ten years, starting as an administrator and working her way up the company.
‘I passed my final CII exam in December 2018 and have been enjoying my role as a Paraplanner and a Mortgage Adviser ever since. The sense of pride you feel when you help First Time Buyers to get onto the ladder or a long-standing client to buy their “forever” home, makes everything worthwhile.’
Roxy is married with an eight-year-old son. She spends her weekends as a ‘football mum’ and enjoys a good meal out with the girls!
Michal began his career in financial services at Lloyds TSB in 2006. Over the years, he progressed through various roles — from Cashier to Senior Personal Banking Manager — before becoming a Mortgage Adviser in 2014.
Frustrated by being limited to Lloyds Bank mortgage products, Michal joined Premier Plus in 2016 to become an Independent Mortgage and Protection Adviser. Since then, he has been offering his clients comprehensive advice on mortgage and protection solutions from the whole of the market.
Michal is happily married with two daughters. As much as it may sound like a cliché, he genuinely believes that being a dad is the best thing in the world.
Outside of work, Michal enjoys spending time with his family and pursuing his two main passions: tennis and chess.
Mark has recently joined from Lloyds Bank where he was a Mortgage Adviser for the last 10 years.
Amongst many things, he prided himself on helping and providing advice for his customer’s to realise their dream of buying their first home.
He previously worked with HSBC Bank and Standard Life Assurance providing protection advice and where he was able to build strong relationships with his many clients.
Lisa joined Premier Plus as a consultant in 2010, bringing 20 years of experience in the industry to her clients.
“I focus on making use of email and other communication technologies to provide non-face-to-face advice for efficient use of time. I also pride myself on placing mortgages correctly the first time, making things as simple for my clients as possible and building strong, long-lasting client relationships.”
Ronni has worked in financial services since 1990, initially as a building society branch manager and mortgage underwriter, before being one of the first to join Premier Plus in 1999.
“I bring experience out of the financial sector to my skillset, including working as senior airline cabin crew and in a managerial position with Marks and Spencer.”
Personal synopsis: Ronni has a grown up daughter and, having lived abroad, she enjoys visiting as many new places as possible both in the UK and worldwide. In her spare time she enjoys going to the theatre, reading, cooking and gardening.
Kate started working for the Cambridge Building Society in 1998 and qualified as a mortgage adviser, gaining 10 years of experience across the branch network. To enhance my knowledge I also spent a year working in the Mortgage Administration department.
Kate changed direction to fit around raising a family, first as part of the management team at The Horseshoe Inn, Offord D’arcy before moving on to become the Senior Finance Officer at Longsands Academy.
“I am delighted to have now rejoined my career path, helping people through the mortgage process and seeing them settle in their new homes.”
Kate considers herself to be particularly friendly and loves nothing more than spending time with friends and family. A ‘yes’ type of person so anything goes, from theatre, restaurants and cocktails to weekends away, escape rooms and spas. Known to climb mountains and mess about in boats, Kate does not spend an awful lot of time at home but when she does, Kate can rustle up a decent meal and play a mean game of Scrabble.
James (Jim) has been employed by Norwich and Peterborough Building Society, Barclays Bank and Lloyds Bank, with over 17 years of successful service as a Mortgage and Protection Advisor.
“I am highly experienced in whole of market mortgage lending and whole of market protection provision, whilst I pride myself in offering my clients the very best quality and speed of service. I work closely with both lenders and protection providers to make sure that my clients’ needs are met and delivered in the most professional way.”
Jim is happily married and a proud father of two young children, as well as two dogs, two cats and two rabbits! He loves to spend time with his family whilst also enjoying football, live music and holidays in the UK and abroad.
Gary joined us in September 2006 from outside Financial Services and has very quickly become a valued member of our team. Gary is qualified to advise on Mortgages and Protection products and is an equity Release expert
He has 2 grown-up children and loves golf with a handicap of 2.
Gary is qualified to advise on Mortgages and Protection products.
Gary has worked in the financial services industry since 2003. Since joining the industry Gary has helped many clients with complex enquiries.
Gary was a keen footballer and is well known locally due to representing local sides for over 27 years. He enjoys all sports, travel & the cinema
Estelle has been in the financial services industry for over 20 years; initially arranging appointments for financial consultants working for Sun Life of Canada, before working for a local building society, Norwich and Peterborough, where she gained her CeMap mortgage qualifications. She joined Premier Plus in February 2013.
“I enjoy assisting people in obtaining their mortgages for their new homes and the variety that this role brings. Premier Plus gives me the opportunity to do the job I love and offer a wide scope of mortgages across the whole lending market.”
Estelle has two grown up children and two Grandchildren and enjoys her time away from the office with them and also relaxing holidays. She loves a good chick flick but is not so keen on the horrors!
Carl started working in the finance sector in 2007 for Halifax taking on various roles from business banking to financial advice before moving to Santander as a Protection Consultant, after taking a break to move into mortgages and a short stint at an estate agent he joined Premier Plus in 2017 to become a fully independent mortgage adviser.
He is also qualified to provide advice where necessary to our older clients who may not feel they are eligible or can get a mortgage by advising on Equity Release mortgages, helping and guiding clients to release money from their homes, to enjoy life in their older age, be this in order to facilitate a move to a more suitable property, help family members get on to the property ladder or just be able to enjoy themselves in later life.
‘I enjoy being part Premier Plus to be able to get access to a larger variety of lenders including more niche and smaller lenders of which a smaller company or individual may not be able to source, alongside working with a very close-knit team that feels more like a family than a business.’
Martin has worked in the financial sector for over 40 years, which includes corporate banking, and the last 13 years with Premier Plus as an Independent Financial Adviser.
“I share a wealth of experience with my clients with whom I enjoy a close working relationship.”
Martin is married with two sons. He is originally from Lincolnshire, but has lived near Cambridge for over 30 years, and worked in the region for most of his career. Martin enjoys travel and plays golf regularly to keep fit.
Jake has been working in Financial services since 2010, previously a bank manager of a well-known high street bank and now as a fully qualified Financial Adviser. Jake enjoys building meaningful client relationships and offering holistic financial planning advice across all areas to those not only preparing themselves for their financial future during retirement but also those in the infancy of their careers.
Outside of work, Jake is a keen sportsman. An active member of Brampton Golf course, regular runner and football fan. He and his partner, Jessica, also enjoy travelling and spending time at home.
Chris has many years of experience working very closely with his clients providing them with a comprehensive understanding of financial services, which focuses on Pension and Investment advice. However, in addition to this, Chris has a wealth of experience in providing his clients with Inheritance Tax Planning, Corporate and Family Protection.
Chris started his career in financial services in 1998 with the Royal London group. He has a great number of years of experience within the financial services industry and has worked with Premier Plus Ltd since February 2009.
With a warm and understanding personality, Chris prides himself on ensuring his clients’ needs are fully understood, allowing him to provide them with the appropriate solutions to suit their current and future needs.
Chris is fully qualified to help provide his clients with the appropriate advice and recommendations regarding their financial goals, needs and objectives.
Chris is married and has two adult children and three wonderful grandchildren and very much enjoys spending his free time with his family.
Perry has worked in the financial services industry since 2010.
He has a degree in business management, and prior to qualifying as a Financial Adviser, he worked for a large UK bank as a Bank Manager.
He has always worked in client-facing roles and is now focused on giving pensions and investment advice.
Away from work, Perry has been happily married since 2012 and has two children who both go to school locally.
He has a passion for music and sports.
Alan has always favoured a customer-focused position and enjoys dealing directly with clients.
He has been working as a financial adviser for nearly 30 years starting with the Prudential and then Legal & General before helping to set up Premier Plus Ltd as independent financial advisers.
Alan is part of the management team and specialises in advising clients in retirement and investment planning at Premier Plus Ltd and has a comprehensive understanding of financial services.
He prides himself on understanding his client’s needs and providing them with solutions to suit their current and long-term future plans.
Qualified with a diploma in financial planning he can help you assess your financial advice requirements
Alan is married with 3 grown-up children.
Jenny has been an IFA for 13 years following a 21-year career at Liverpool Victoria, with the last 5 years as their South Eastern Regional Manager managing a team of 10 consultants.
“I enjoy unravelling the perceived complexities around investments, especially pensions, and decided to use my experience to work directly with customers with a ‘Plain English’ approach to finances. I like to think my clients come away with not only their finances in order but a better understanding of how they work and what they can realistically expect to achieve.”
Outside of work, Jenny and her husband are kept busy with a young daughter. She enjoys travel, genealogy and art.
Nick has been working in Financial Services since 2012. Nick is a fully qualified financial adviser and pension specialist allowing Nick to offer a wide range of financial planning advice from younger generations starting to save for retirement to retirees structuring a retirement and income plan.
Being a qualified pension specialist, Nick has the qualifications necessary to understand complex pension arrangements and final salary pensions and explain how these work for his clients.
Outside of work Nick is a married father of two and enjoys spending his free time with his young children.
Richard is engaged and has four children. Richard started his career with one of the high street banks and came to us after working as a Manager in his own branch.
He is fully qualified and has been in the finance industry for over 30 years. He particularly enjoys helping clients plan for, and achieve their long term financial plans. He specialises in Pension and Investment advice and has worked with many of his clients for in excess of 10 years.
Outside of the company he is a rugby fan and enjoys watching classic car racing, gardening, and long walks in the countryside around his village home.
Kevin started the company in 1997 after having been in the industry for over 38 years. He had various positions with some of the major Life companies between 1983 and 1997.
As well as being responsible for running the company Kevin still advises on Protection products. Kevin is married and has 3 grown-up children and 5 grandchildren.