USING THIS WEBSITE

The TSC Financial Services Limited website is maintained for your personal use and viewing. Access and use by you of this site constitutes acceptance by you of these Terms and Conditions that take effect from the date of first use. 

Linking to the TSC Financial Services Limited Website

Permission is not required to link directly to pages hosted on this site. Pages must not however be loaded into frames on your site. The TSC Financial Services Limited pages must load into the user’s entire window.

LINKS TO THIRD-PARTY WEBSITES

TSC Financial Services Limited is not responsible for the contents or reliability of linked websites and does not necessarily endorse the views expressed within them. Listing should not be taken as an endorsement of any kind. We cannot guarantee that these links will work all the time and we have no control over the availability of the linked pages. Links to other websites, articles, and information are by no means an endorsement by Allan Shine or TSC Financial Services Ltd.

VIRUS PROTECTION

We make every effort to check and test material at all stages of production. It is always wise for you to run an anti-virus program on all material downloaded from the Internet. We cannot accept any responsibility for any loss, disruption, or damage to our data or your computer system which may occur whilst using material derived from this website.

CONTACT FORMS AND EMBEDDED CONTENT FROM OTHER WEBSITES

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking of website visitor’s IP address and browser user agent string to help spam detection, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

DISCLAIMER

The TSC Financial Services Limited website and material relating to TSC Financial Services Limited information, products, and services (or to third party information, products, and services), is provided ‘as is’, without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security, and accuracy.

We do not warrant that the functions contained in the material contained in this site will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or represent the full functionality, accuracy, reliability of the materials. In no event will we be liable for any loss or damage including, without limitation, indirect or consequential loss or damage, or any loss or damages whatsoever arising from use or loss of use of, data or profits arising out of or in connection with the use of the TSC Financial Services Limited website.

The opinions expressed on this website, including in the blog section, are for general informational purposes only and are not intended to serve as a recommendation, instruction to buy or sell any security, investment advice, or financial advice, whether stated directly, implied, or otherwise interpreted. Any indices referenced for comparison are unmanaged and cannot be invested into directly. Investments in securities involve the risk of loss.

Past performance is not an indicator of future results.

WHO WE ARE

TSC Financial Services Limited was formed in 2020 and is Licensed by the Cayman Islands Monetary Authority 1812403.

Our website address is: https:/www.tscfinancial.ky

INTRODUCTION

The purpose of this notice is to provide you with information on our use of your personal data in accordance with the Data Protection Law, 2017 (the “DPL”).

In this document, “we”, “us” and “our” refers to TSC Financial Services Limited, affiliates, and/or delegates.

The TSC Financial Services Limited Privacy Policy will tell you our obligations to you, and when we collect your personal information, this includes how we will process and use your information as well as how we will ensure that your information is kept secure and your privacy is maintained.  This Policy will explain, how long we retain your personal information as well as your rights and responsibilities to ensure you inform us of changes to your personal information.

We require your consent to process, store and share your Personal Information. 

YOUR PERSONAL DATA

We act as an intermediary for several international investment companies, investment platforms, fund managers with whom we have entered into agency and referral agreements each, a “Product Provider”.

By using and/or registering on our website or making an investment through us and your associated interactions with us, (whether past, present, or future), you will provide us with certain personal information which constitutes personal data within the meaning of the DPL. In our use of your personal information, we will be characterised as a “data controller” for the DPL. Our affiliates and delegates may act as “data processors” for the DPL.

We require your consent to process, store and share your Personal data. 

By your interaction with us on our website, electronically, verbally or in writing, you are giving us your consent.

WHO THIS AFFECTS

If you are a natural person, this will affect you directly. If you are a corporate investor (including, for these purposes, legal arrangements such as trusts or exempted limited partnerships) that provides us with personal information on individuals connected to you for any reason concerning your investment through us, this will be relevant for those individuals and you should transmit this document to such individuals.

DETAILS OF THE INFORMATION WE WILL COLLECT

• Name, date of birth, address, and telephone number;
• Gender;
• Identification information such as passport number or driving license number;
• Family details such as beneficiaries, children’s names, ages, and education plans;
• Financial Data such as financial history and needs, income, savings, debt, bank & payment card details;
• Employment details such as job title and role;
• Profile Data such as username and password for the service providers website; and
• Marketing preferences.

IN MOST CASES, WE DO NOT COLLECT ANY “SENSITIVE” PERSONAL INFORMATION ABOUT YOU. SENSITIVE PERSONAL DATA INCLUDES:

• the racial or ethnic origin;
• the political opinions;
• religious beliefs or other beliefs of a similar nature;
• physical or mental health or condition;
• medical data;
• sex life;
• the commission, or alleged commission, of an offence; or
• any proceedings for any offence committed or alleged, to have been committed, and the disposal of any such proceedings or any sentence of a court in the Islands or elsewhere;
• Images of you and your family; and
• We may also be required to keep on record information relating to criminal behavior, Politically Exposed Persons, and Sanctions to comply with the Anti-Money Laundering, Terrorist, and Proliferation Financing legislation to ensure that we can prevent and report any suspicious activity.

However, while we do not always collect sensitive data, when we do, the purpose of collecting sensitive information is to understand you better to make more relevant recommendations to you and/or to provide a better service.

WHEN WE REQUEST YOUR PERSONAL INFORMATION, WE WILL:

• Make sure you know why we need it;
• Only process the personal information with your consent. Alternatively, we will do so, as required to by law, because it is the function of TSC Financial Services Limited to do so, or because it is in the public interest and where this is the case we do not need your consent;
• Make sure nobody has access to it who should not;
• Keep it secure;
• Only share within TSC Financial Services Limited, and its or their affiliates and/or delegates, as well as external related companies including The Shine Company (Pty) Limited t/a TSC Financial Services (South Africa) and its or their affiliates and/or delegates, product providers and investment platforms, custodian banks, referral partners, and to 3^rd parties we deem as appropriate or relevant for your investment needs and objectives, and agencies;
• Only keep it for as long as we need to; and
• Not make it is available for commercial use (such as marketing) without your permission.

YOUR DUTY TO INFORM US OF CHANGES TO YOUR PERSONAL INFORMATION:

• You must give us accurate and current information;
• You must inform us as soon as possible about any changes to your Personal Information;
• You must provide us with up-to-date identity information to maintain our obligations under the law.

WE GATHER THIS INFORMATION TO:

• Enable us to provide the most suitable advice in the selection of products and services available through us
• Enable us to provide the most suitable advice in the selection of products and services available through referral
• To assist with any transactions related to the product you have selected
• To provide information to your Product Provider to create and operate your policy
• To meet our legal and regulatory obligations
• To follow up concerning the financial product you have selected, such as conducting an annual review
• Provide you with information about other financial services that we offer

TSC FINANCIAL SERVICES LIMITED MAY SHARE INFORMATION WITH AND GET IT FROM OTHER ORGANISATIONS SUCH AS:

• Product providers
• Service Providers
• Investment Platforms, Exchange Traded Funds, and Mutual Funds
• Entities regulated by CIMA, and/or other regulated entities internationally
• Independent Financial Advisors and other related service providers
• Authorities
• Employers and potential employers
• Private-sector bodies, such as banks and organisations that may lend you money or provide Securities Investment Business
• Charitable and welfare organisations
• Companies relating to your investments and account balances
• The Shine Company (Pty) Limited t/a TSC Financial Services (South Africa) and its or their affiliates and/or delegates

WE DO THIS FOR SEVERAL REASONS, INCLUDING BUT NOT LIMITED TO:

• Checking the accuracy of information
• Help clients plan their finances and investments
• Get Proposals and Quotes
• Help clients get the necessary advice to improve their financial position
• Identifying investment needs, risk appetite, and opportunities
• Identifying financial planning and investment needs
• Our internal statistical reporting
• Our internal reporting
• Prevention and detection of fraud, and protecting public funds and capital markets
• Sharing internally and with other related companies or Agencies
• Prevent or detect crime
• Protect public and private funds
• Use for internal research or statistical purposes

DATA PROTECTION PRINCIPLES:

We will always comply with the applicable data protection law. This says that the personal information we hold about you must be:

• Used lawfully, fairly, and in a transparent way
• Collected only for valid purposes that we have clearly explained to you and not used in any way that is incompatible with those purposes
• Relevant to the purposes we have told you about and limited only to those purposes
• Accurate and kept up to date
• Kept only as long as necessary for the purposes we have told you about
• Kept securely

HOW LONG TSC FINANCIAL SERVICES LIMITED KEEPS YOUR DATA:

We will only process and store your information for as long as is necessary for the purposes for which we process the information as set out in this document and to comply with our regulatory and/or legal obligations.

Our maximum retention period is five years after the end of our relationship with you, to comply with applicable legal requirements.

If you decide not to purchase a financial product and/or service through us, with your consent, we will retain your information for a period of up to three years to enable us to service your needs if you were to change your mind.

PROCESSING DATA INTERNATIONALLY:

Your personal information will be provided to the relevant Product and/or Service Provider.

These may include certain entities located outside the Cayman Islands or the European Economic Area. The Product Providers will process your personal information for their own lawful purposes in connection with the financial product provided to you.

We use selected third-party service providers based outside of the Cayman Islands and will transfer your personal information to establish, service, and maintain your financial product and client relationship. These may include certain entities located outside the Cayman Islands or the European Economic Area.

Where we make a transfer of your personal information outside of the Cayman Islands, we will take the required steps to ensure that your personal information is protected. This will include placing the party we are transferring information to under contractual obligations to protect it to adequate standards.

KEEPING YOUR INFORMATION SAFE:

TSC Financial Services Limited prioritises the security and privacy of your Personal and Sensitive Personal Information.  

We have strict security standards, and all our staff gets regular training annually about how to keep information safe, including their responsibilities around information security, fraud prevention, and privacy obligations.

We have put in place appropriate security measures to prevent your personal information from being accidentally lost, used, or accessed in an unauthorised way, altered, or disclosed. Also, we limit access to your personal information to those employees, agents, and other third parties who have a business need to know. They will only process your personal information on our instructions, and they are subject to a duty of confidentiality.

We have several organisational and technical security measures in place to prevent fraud and cybercrime.  

We will restrict internal access to your information to only those that need to know to perform the purposes laid out above.

Tools such as firewalls, anti-virus software, and malware protection are used across the business. Our internal procedures cover the storage, access, and disclosure of your information.

We shall notify you of any personal data breach that is reasonably likely to result in a risk to your interests, fundamental rights, or freedoms.

DATA CONTROLLER INFORMATION:

TSC Financial Services Limited is the data controller.

Where TSC Financial Services Limited uses contractors to deliver services, they are acting as TSC Financial Services Limited’s data processor, and TSC Financial Services Limited and our data processors share responsibility for how your data is handled.

TSC Financial Services Limited also works closely with other data controllers, especially where functions are linked or complement each other.

YOUR RIGHTS WHEN TSC FINANCIAL SERVICES LIMITED USES YOUR INFORMATION:

Right to Request A Copy of Data Held on You

You have the right to request and receive a copy of the data that we hold about you. TSC Financial Services Limited does not charge for this.  TSC Financial Services Limited will process your request within 21 days of receipt of a formal request in writing.

Right to Correction

You have the right to have inaccurate personal data corrected. Let us know if your circumstances change and we will ensure your data is updated. This can be information such as your address, when you start work, or when you leave a place of employment.

Right to be Forgotten

This is the right to have personal data erased, also known as the ‘right to be forgotten’.  You do not have the right to request that your data is erased.  Your data will be retained by TSC Financial Services Limited because it is required by law, or because it is the function of TSC Financial Services Limited to do so, or because it is in the public interest.

Right to restrict processing

You can request that we restrict the processing of data, however, we can refuse to comply if your request is unfounded or excessive, or repetitive in nature but we will justify the decision to you and will inform you of any decision that has been made.

Right to object

The right to object dictates that you have a right to object to the processing of your personal data, specifically if the data is:

a task carried out in the public interest

the exercise of official authority or legitimate interest

The right to stop direct marketing

You have the right to request us to stop or not to begin direct marketing.

The right to complain/seek compensation

You have the right to make a complaint on how we have handled your personal data, you can contact us as described below and we will investigate the matter.

You also have the right to make a complaint to the supervisory authority, the Cayman Islands Ombudsman https://ombudsman.ky/make-a-complaint.

CHANGES TO OUR PRIVACY POLICY

Our Company keeps its privacy policy under regular review and will place any updates on this website. This privacy policy was last updated on 1 March 2021.

We do not envisage that any decisions will be taken about you using fully automated means, however, we will notify you in writing if this position changes.

COOKIES POLICY

Cookies are text files placed on your computer to collect standard internet log information and visitor behavior information. When you visit our website, we may collect information from you automatically through cookies or similar technology. Further information can be found at https://www.allaboutcookies.org/.

If you leave a comment on our site you may opt-in to saving your name, email address, and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Our cookies policy can be found here https://tscfinanical.ky/privacy-policy.

How to Contact us

If you have any questions about Our Company’s privacy policy, the data we hold on you, or you would like to exercise one of your data protection rights, please do not hesitate to contact us.

Email us at info@tscfinanical.ky

Call us:   +1 (345) 922 9004

Or write to us at PO Box 10335, Grand Cayman KY1-1003, Cayman Islands

How to exercise your rights

You can request a copy of the information TSC Financial Services Limited holds about you.

To exercise or ask about any of your other rights, contact the TSC Financial Services Limited Data Controller.

You also have the right to complain to the Ombudsman’s office, if you are concerned about how TSC Financial Services Limited is processing your data. If you are going to do this, we would ask you to give TSC Financial Services Limited the chance to try and put it right or address your concerns first, by contacting our TSC Financial Services Limited Data Controller.

How to contact the Supervising Authority

Should you wish to report a complaint or if you feel that Our Company has not addressed your concern in a satisfactory manner, you may contact the Cayman Islands Office of the Ombudsman.

Email:   info@ombudsman.ky

Call:   +1 345 946 6283

Or write to PO Box 2252, Grand Cayman KY1-1107, Cayman Islands

Changes to this policy

This Privacy Policy was published on 22 February 2021

Copyright

Material on this site is subject to copyright protection unless otherwise indicated.

The material may be downloaded to a file or printer without requiring specific prior permission. Any other proposed use of the material is subject to the approval of TSC Financial Services Limited. The application should be made to the Director, TSC Financial Services Limited, PO Box 10335, Grand Cayman KY1-1003, CAYMAN ISLANDS. Tel: +1 (345) 743 4663

The permission to reproduce copyright-protected material does not extend to any material on this site that is identified as being the copyright of a third party. Authorisation to reproduce such material must be obtained from the copyright holders concerned.