Privacy Policy

Privacy, Legal & Financial Policy

Effective Date: November 2025

 

1. Introduction

This is the privacy policy for this website Refreshreward.consulting part of Cowling Consultancy Ltd, (trading under Refresh Reward)

Registered address 91a Church Lane Bulphan Upminster England RM14 3TR.

Information Commissioner’s Office (ICO) Registration number ZA917982

This Policy outlines how we collect, process, handle, and safeguard your personal data when you contact us with a general enquiry or when we are working with you as a client.

By using our website, you agree to the terms of this Policy and give explicit consent for the processing of your data. If you do not agree to the following policy, you may wish to cease using this website.

 

2. Data Collection and Processing

You directly provide Our Company with most of the data that we collect. We collect and process data when you:

  • Register or request contact online.

  • Voluntarily complete a customer survey or provide feedback on any of our communications, message boards or via email.

  • Use of view our website via your browser cookies.

For example:  

Data

Reason

Name, email address, phone number, organisation & job title

When we receive an enquiry from you via this website or other source or you sign up to our mailing list  

 

 

  • Contact history.

  • Documents relating to our service provision.

  • Finance details (invoices, payments etc.)

When we have a relationship with your organisation as a client of ours, we will also collect and process:

 

 

3. How will we use your data

Our company collects your data so that we can:

  • Process your requests and manage our relationship

  • Inform you of our services

  • Perform our duties in line with our agreed service provision

 

4. How do we store your data & data security

We store your data via email and securely on our internal computer systems and employ stringent security measures to protect your data from unauthorised access.

We do not share your information with third parties other than Refresh Reward Associate Consultants where there is a legitimate reason to do so.

We will continue to hold your information unless you request otherwise or it is deemed that your consent no longer exists.

 

5. Cookies and Tracking Technologies

We use cookies to enhance user experience and to understand how you use our website.

 

6. User Rights and Control

You have the right to access, rectify, and erase your data. For any requests or concerns, contact us.

 

7. Updates and Compliance

This Privacy Policy is effective November 2025 and replaces an earlier policy from January 2024. We may update it to stay compliant with GDPR guidelines. Check for changes periodically.

 

8. Information & Educational Materials

We provide general information, education and introductions only. We do not provide financial, investment, tax or legal advice and we are not authorised by the Financial Conduct Authority (FCA) to carry out regulated activities in the UK or any other jurisdiction.

 

All regulated advice and product recommendations are provided solely by FCA-authorised partners and brokers, whose details can be verified on the Financial Services Register. Where we refer you to a partner that firm assumes full responsibility for any regulated advice given.

 

9. Introductions & Commissions

We may receive referral or affiliate commission for certain third-party providers. This means that:

  • We may receive a referral fee, introducer payment or affiliate commission if you choose to use or purchase services through one of our links or introductions

  • Such payments do not affect the price you pay or the advice you receive

  • We only partner with organisations we believe offer genuine value, but we do not guarantee or accept responsibility for their services, products or outcomes

 

10. Due Diligence & Personal Responsibility

Whilst we take care to work only with FCA authorised and reputable partners, and to obtain the best offers, you remain responsible for conducting your own due diligence before purchasing any product or service.
Information provided is for general guidance only and may not represent all options on the market or the best, cheapest or most suitable for your personal circumstances and we accept no liability for decisions made based on this information.

 

11. Educational Content

Any information shared, unless stated otherwise is for information & education only - nothing on this website constitutes financial, legal or tax advice.

They should not be relied upon to make financial decisions. Before acting on any information please seek advice from an FCA authorised advisor or other qualified professional.

 

12. Data & Introductions

When you request to be connected with a partner, we will share only the minimum information necessary to facilitate that introduction and only with your explicit consent. Each partner has it’s own privacy notice explaining how they will use your data.

 

13. Liability

While we take reasonable care to ensure that information on this site is accurate and up to date, we accept no liability for any loss, damage or cost arising directly or indirectly from reliance on the information provided. Use any linked third party site at your own risk.

 

14. Contact Information

If you have any questions, concerns or comments about this policy please contact us via the Contact Us page.