Privacy Policy
1. Who We Are
The Children’s ISA Ltd is the provider of the Children’s ISA Junior ISA and Grown-Up ISA products. From August 2025, these products will be administered by Quai Investment Services Limited (“QISL”), authorised and regulated by the Financial Conduct Authority (FCA FRN: 922590).
Our website: https://thechildrensisa.com
Contact: info@thechildrensisa.com
2. What Personal Data We Collect
We collect and process the following types of personal information:
- Full name, date of birth, and contact details
- National Insurance number
- Bank account details (for payments or transfers)
- Identification documents (for anti-money laundering checks)
- Child’s details (for Junior ISA accounts)
- Communication records (emails, calls, messages)
- Website usage data (IP address, browser type, pages visited)
3. Legal Bases for Processing
We only process your personal data where we have a legal basis to do so:
- Contractual necessity: To provide and administer your ISA/JISA account
- Legal obligation: To comply with anti-money laundering, tax reporting, and regulatory obligations (e.g., FCA and HMRC)
- Legitimate interests: To manage our business and improve our services, including data security
- Consent: For marketing and communications where required (you may withdraw consent at any time)
4. How We Use Your Data
We use your personal data for the following purposes:
- To process account applications and contributions
- To administer your investments and communicate updates
- To comply with legal and regulatory requirements
- To maintain accurate records and respond to your enquiries
- To detect fraud and ensure the security of your account
- To improve our website and services
5. Who We Share Your Data With
We only share your personal data with:
- ISA Managers and Platform Administrators:
- Until August 2025: Embark Investment Services Limited
- From August 2025: Quai Investment Services Limited
- Trusted third parties who help us deliver services (e.g., IT providers, payment processors, verification services)
- Regulatory authorities such as the FCA or HMRC, when required by law
We ensure all third parties act in accordance with UK GDPR and have appropriate safeguards in place.
6. International Data Transfers
We do not routinely transfer your personal data outside the UK. If we do, we will ensure appropriate safeguards are in place, such as adequacy decisions or standard contractual clauses.
7. Data Security
We apply appropriate technical and organisational measures to secure your data from:
- Unauthorised access
- Unlawful use or disclosure
- Accidental loss or destruction
These include encryption, secure servers, and access controls.
8. Data Retention
We retain your personal data only for as long as necessary:
- For the purposes for which it was collected
- To meet legal, tax, or regulatory requirements
- Typically, this is up to 7 years after your relationship with us ends
9. Your Rights
You have the following rights under UK GDPR:
- To access your personal data
- To correct inaccurate or incomplete data
- To request erasure of your data in certain circumstances
- To restrict or object to processing
- To withdraw consent (where processing is based on consent)
- To request data portability
To exercise your rights, contact us at: info@thechildrensisa.com
10. Cookies and Website Analytics
We use cookies to enhance your experience and analyse website usage. You can manage your cookie preferences via your browser settings. See our Cookie Policy for more details.
11. Children’s Data
We treat the data of children with the same care and in accordance with the same data protection principles as adult clients. Personal data of children is only used for the administration of their Junior ISA account.
12. Complaints
If you are unhappy with how we handle your data, please contact us first. You also have the right to lodge a complaint with:
Information Commissioner’s Office (ICO)
Tel: 0303 123 1113
13. Updates to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in legal requirements or our services. The latest version will always be available on our website.
