Privacy Policy

**1. Introduction**  
RA TAX & ACCOUNTANCY ("we," "us," or "our") is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal data when you visit our website www.ratax.co.uk or engage with our services.  

By using our website or providing us with your personal data, you agree to the terms of this Privacy Policy. If you do not agree with this policy, please do not use our website or services.  

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**2. Who We Are**  
RA TAX & ACCOUNTANCY is a UK-based accountancy firm providing tax, accounting, and advisory services to individuals and businesses.  
Our registered office address is:  
20a High Street, Lye, Stourbridge, DY9 8LB, United Kingdom.  

For any privacy-related inquiries, please contact us at:  
Email: info@ratax.co.uk  
Phone: 01952 862507  

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**3. Information We Collect**  
We may collect and process the following types of personal data:  

**3.1. Information You Provide to Us**  
- Contact details (e.g., name, email address, phone number, postal address).  
- Financial information (e.g., income, expenses, tax details).  
- Identification documents (e.g., passport, driver’s license, national insurance number).  
- Business information (e.g., company name, VAT number, payroll details).  
- Any other information you provide when engaging with our services or contacting us.  

**3.2. Information We Collect Automatically**  
- Technical data (e.g., IP address, browser type, operating system).  
- Usage data (e.g., pages visited, time spent on the website, referral source).  
- Cookies and similar technologies (see our **Cookie Policy** for more details).  

**3.3. Information from Third Parties**  
We may receive personal data from third parties, such as HMRC, other professional advisors, or publicly available sources, where necessary to provide our services.  

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**4. How We Use Your Information**  
We use your personal data for the following purposes:  
- To provide accountancy, tax, and advisory services.  
- To communicate with you about your account or our services.  
- To comply with legal and regulatory obligations (e.g., tax reporting).  
- To improve our website and services.  
- To send you marketing communications (where you have consented).  

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**5. Legal Basis for Processing**  
We process your personal data based on the following legal grounds:  
- **Performance of a contract:** To provide the services you have requested.  
- **Legal obligation:** To comply with UK laws and regulations.  
- **Legitimate interests:** To improve our services and website.  
- **Consent:** Where you have given explicit consent (e.g., for marketing).  

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**6. Sharing Your Information**  
We may share your personal data with:  
- HMRC and other regulatory authorities.  
- Third-party service providers (e.g., cloud storage, IT support).  
- Professional advisors (e.g., lawyers, auditors).  
- Law enforcement or government agencies, if required by law.  

We will never sell your personal data to third parties.  

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**7. Data Retention**  
We retain your personal data only for as long as necessary to fulfil the purposes outlined in this policy or to comply with legal obligations. Typically, we retain financial records for a minimum of 6 years as required by UK tax law.  

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**8. Your Rights**  
Under the UK GDPR, you have the following rights:  
- **Access:** Request a copy of the personal data we hold about you.  
- **Rectification:** Request correction of inaccurate or incomplete data.  
- **Erasure:** Request deletion of your data under certain circumstances.  
- **Restriction:** Request restriction of processing in specific cases.  
- **Objection:** Object to processing based on legitimate interests.  
- **Data Portability:** Request transfer of your data to another provider.  
- **Withdraw Consent:** Withdraw consent for marketing or other processing.  

To exercise any of these rights, please contact us using the details provided in Section 2.  

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**9. Data Security**  
We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, loss, or misuse. However, no system is completely secure, and we cannot guarantee absolute security.  

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**10. International Transfers**  
If we transfer your personal data outside the UK, we will ensure adequate safeguards are in place to protect your data in accordance with UK data protection laws.  

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**11. Cookies**  
Our website uses cookies to enhance your experience. For more information, please see our **Cookie Policy**.  

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**12. Changes to This Policy**  
We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the effective date will be updated.  

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**13. Contact Us**  
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:  
Email: info@ratax.co.uk  
Phone: 01952 862507  
Address: 20a High Street, Lye, Stourbridge, DY9 8LB, United Kingdom