Privacy Policy

01 Who we are

Hansa Perpetual (“we”, “us”, “our”) is the controller responsible for the personal data described in this policy. Our principal is Praniel Ladwa, CEO & Wealth Manager.

Registered office: Malta. VAT number: MT32933524.

For any question about this policy or your personal data, contact us at info@hansaperpetual.com.

02 The information we collect

We only collect what we need to respond to you and, where a relationship proceeds, to advise you properly. Depending on how you interact with us, this may include:

Information you give us

• Identity and contact details — name, email address, telephone number and country of residence.
• Enquiry details — the message, objectives or questions you submit through our contact and consultation forms.
• Financial and planning information — where you choose to share it, details of your circumstances, pensions, investments, jurisdictions and objectives so we can assess how we might help.

Information we collect automatically

• Technical data — IP address, browser and device type, and the pages you view, collected through cookies and similar technologies. See our Cookie Policy for detail.

We do not ask for, and request that you do not send us, more sensitive information than is necessary at the enquiry stage.

03 How and why we use your information

We process your personal data on the following lawful bases:

• To respond to your enquiry and provide our services — on the basis of steps taken at your request and, where engaged, the performance of our agreement with you.
• To meet legal and regulatory obligations — including anti-money-laundering, know-your-client and record-keeping duties that apply to our regulated partner firms.
• For our legitimate interests — to operate, secure and improve our website and to understand how it is used, balanced against your rights.
• With your consent — for any optional communications or non-essential cookies, which you may withdraw at any time.

We do not sell your personal data, and we do not use it for automated decision-making that produces legal effects concerning you.

04 Cookies and analytics

Our website uses essential cookies to function and, subject to your consent, analytics cookies to help us understand how the site is used. You can accept or decline non-essential cookies and can change your choice at any time through your browser settings. Blocking some cookies may affect how parts of the site work. Full detail is set out in our Cookie Policy.

05 Who we share information with

We share personal data only where necessary, and only with parties who are bound to protect it:

• Regulated partner firms through which client business is conducted, where you proceed to engage our services.
• Service providers who support our operations — for example secure hosting, email, scheduling and analytics — acting on our instructions as processors.
• Regulators, auditors and authorities where we are required to do so by law.

We are not responsible for the privacy practices of third-party websites that may be linked from our site; we encourage you to review their policies before sharing information.

06 International transfers

Cross-border planning necessarily involves more than one country. Where your personal data is transferred outside your jurisdiction — for example between the European Union, Switzerland and other territories in which our partners operate — we ensure an appropriate safeguard is in place, such as an adequacy determination or standard contractual clauses, so that your data continues to receive an equivalent level of protection.

07 How long we keep it

We retain personal data only for as long as necessary for the purpose it was collected, and to satisfy the legal, regulatory and record-keeping periods that apply to financial services. When data is no longer required, we securely delete or anonymise it.

08 How we protect it

We apply appropriate technical and organisational measures — including access controls, encryption in transit, and vetted service providers — to guard against unauthorised access, loss or disclosure. No transmission over the internet can be guaranteed as completely secure, but we work to keep the risk low and to respond promptly should an incident occur.

09 Your rights

Subject to applicable law, you have the right to:

• access the personal data we hold about you, and receive a copy;
• have inaccurate or incomplete data corrected;
• request erasure of your data where there is no continuing basis to hold it;
• restrict or object to certain processing;
• request portability of data you provided to us;
• withdraw consent at any time, without affecting processing already carried out.

10 Children

Our website and services are intended for adults. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us and we will delete it.

11 Changes to this policy

We may update this policy from time to time to reflect changes in our practices or in the law. The date at the top shows when it was last revised. Material changes will be posted on this page and take effect when published.

12 Contact us

Questions about this policy or your personal data can be sent to info@hansaperpetual.com, for the attention of Praniel Ladwa, CEO & Wealth Manager, Hansa Perpetual.