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Data Protection


At CamOuse Financial Management Limited we understand that you may have concerns about how your information is handled. In view of this, and to ensure our compliance with current legislation and best practices, we have established personal information policies which govern our handling of personal information.


Where investment business services are provided to CamOuse Financial Management Limited by third parties then circumstances may arise which warrant the disclosure of more than just your basic contact details. On these occasions, such as processing business, and obtaining compliance and regulatory advice, you agree that personal information held by CamOuse Financial Management Limited may be disclosed on a confidential basis to such third parties. You agree that this information may be transferred electronically, e.g. by e-mail. You also agree that we or any such third party may contact you in future by any means of communication, which we consider appropriate at the time.


This form of correspondence is increasingly popular with clients, and increasingly useful in helping CamOuse Financial Management Limited to maintain a positive working relationship with you. Accordingly, if you have this facility, we may use it to correspond with you, unless you expressly request that we do not. This may include unsolicited messages and updates, which we will always give you the opportunity to unsubscribe from.

The Data Protection Act sets out enforceable rules referred to as the Data Protection Principles, which prescribe the required conduct for the lawful management of personal information. The first principle states that information must be processed fairly and lawfully, meaning that you are entitled to know how we use any information you provide.


The personal information provided by you will be held by us on our files and electronic database to enable us to carry out our services to you.

It is essential that the information we hold about you is accurate and so we would ask all clients to notify us of any changes to the information held on our records, a change of address for instance.

If we submit an application for a financial product or service on your behalf, we will have to pass your details to the provider of that financial product or service and therefore your information will be subject to the personal information policies of that provider.

We may contact you by letter or telephone, or (if you have expressly consented to this) electronically to inform you about financial products and services which may be suitable to you. If you wish to exercise your right to opt out, simply inform us by any means convenient for you. Alternatively you can write to James Honey at CamOuse Financial Management Limited, Unit 111 Lancaster Way Business Park, Ely, Cambridgeshire, CB6 3NW. Opting out could stop us contacting you about potentially beneficial products or services.

Unless you have given us your consent, we will not provide information about you to companies outside our group to use for their own marketing purposes. Personal information may only be disclosed with individual consent, or if we are required to do so by law. It is necessary in certain instances to pass information to selected external providers so that they can provide a particular service for us, such as address validation. To work with us, these providers must commit to protect the personal information we share with them.


Under the Data Protection Act you have the right to receive details of the information held by our company about you, although we may charge an appropriate administration fee. You also have the right to require us to correct any inaccurate information we hold about you.


Personal information is regarded by the Data Protection Act as sensitive if it relates to racial or ethnic origin, political opinions, trade union membership, religious beliefs, physical or mental health, sexual life, criminal convictions and details of offences committed or alleged to have been committed. In instances such as your application for a pension, health or life insurance, you may be required to provide ‘sensitive’ information. We will only use this information in the context of the service you require.


We will treat all your personal information as private and confidential (even when you are no longer a client). All employees are bound to our personal information policies and we provide on-going training and education to all employees to ensure a complete understanding of their obligations. Our personal information policies are regularly reviewed to ensure compliance with current legislation and best practices.


We protect your personal information by having procedures to limit who has access to personal information and by using use a variety of methods, from secure servers to other technologies to safeguard it. Personal information stays securely with us and with selected external providers.


If you were ‘introduced’ to us by a third party, such as your Solicitor or Accountant, we will provide them with sufficient information about you to help with their accounting and administration.


We are obliged, in accordance with the provisions of the European Council directive 91/308/EEC, the UK Money Laundering Regulations 1993 (1993 SI NO 1933), the Proceeds of Crime Act 2002 and in particular, the Rules of the FSA, to obtain evidence of identity which will satisfy the above. It is our opinion that this is good practise in any event, and we will ask you for some form of documentation. Please do not take offence – we are not suggesting any impropriety on your part.


If you send us an e-mail, or give us your e-mail address, we will keep a record of it. If you expressly consent, we may use it to contact you occasionally about other products and services which may be suitable to you. If you send us e-mail, remember that it will be ‘unsecure’ and could be intercepted. If you do send us ‘unsecure’ e-mail, please keep the amount of confidential information you include to a minimum. We will do likewise when we reply. 

From time to time we may send electronic ‘eNews’, if you no longer wish to receive this service you can unsubscribe at any time following the link at the bottom of the email.


We may record telephone conversations to offer you additional security, resolve complaints and improve our service. Conversations may also be monitored for staff training purposes.

Latest tweets

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  • I thought CamOuse were very helpful and dealt with my enquiries promptly.

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    Clive Nickalls

  • I have been a client of CamOuse's for many years. My advisors have provided assistance with mortgages, financial planning, investments and most importantly my future. The team remain passionate and professional and I would recommend CamOuse without question.

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    Trevor Honey & Clive Nickalls

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    Trevor Honey

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    Lee Pooley

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    Lee Pooley

  • Very happy with Clive Nickalls' advices. Very professional and friendly approach - thank you Clive.

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    Clive Nickalls

  • Lee has helped us on several occassions and we always appreciate and value his time and efforts.

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    Lee Pooley

  • Both Lee and Grace are great!

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    Lee Pooley

  • I really appreciate the prompt, friendly, efficient service.

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    Clive Nickalls

  • Very pleased with the service provided and happy to recommend to my customers and friends and family.

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    Clive Nickalls

CamOuse Financial Management is authorised and regulated by the Financial Conduct Authority.

None of the information contained in this website should be considered as personal recommendation and is for information only. Should you wish to make a financial transaction we recommend that you take personal financial advice after a thorough review of your personal and financial circumstances.

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targets at customers in the UK.

Registered address: Unit 111, Lancaster Way Business Park, Ely, Cambridgeshire, CB6 3NX

Registered in England and Wales. Registered No: 5662116.

Peninsula: Accredited Standard

Understanding the true cost to your business

Pension arrangements must be available for all employees. There are three categories of employee:


Aged between 22 and State Pension Age (SPA) with qualifying earnings over the Auto Enrolment earnings trigger


Aged between 16 – 74 with qualifying earnings between lower threshold and the Auto Enrolment earnings trigger
Aged between 16 -21 or SPA – 74 with qualifying earnings over Auto Enrolment earnings threshold


Aged between 16 -74 with earnings below the qualifying earnings lower threshold

Important Notes

  1. Eligible jobholders must be auto-enrolled
  2. Non-eligible jobholders are allowed to be auto-enrolled if they want to
  3. Entitled workers are entitled to join a pension scheme, but the employer doesn't have to contribute

Qualifying Earnings lower threshold


Qualifying Earnings upper threshold


Automatic Enrolment earnings trigger


Minimum contribution level options:

8% of Qualifying Earnings of which

3% is employer's (starting at 1%)

9% of Basic Salary of which

4% is employer's (starting at 2%)

8% of Basic Salary of which

3% is employer's (starting at 1%)

(Where basic salary is at least 85% of total earnings)

7% of gross earnings of which

3% is employer's (starting at 1%)

Pay reference period

Essentially the frequency that the jobholder is paid e.g. monthly, weekly etc. but with reference to the tax month, week etc. therefore it may not be the same as the payroll period.

Deduction and payment of contributions

It is the employer who is responsible to calculate, deduct and pay all contributions to the AE scheme. NOTE – the first and last contributions are likely to be for less than a full pay reference period and should be adjusted accordingly.

Payroll services

It can be seen that it is very important that the payroll system synchronises with the AE scheme otherwise the employer will not be carrying out all requirements and then penalties will be incurred.

Staging date

Based on the employer’s payroll size as at 1 April 2012 and can be found at using your PAYE reference. The Qualifying Workplace Pension Scheme must be registered with The Pensions Regulator within 4 months of the staging date.

Compliance and communication


Auto-Enrolment can be postponed for up to 3 months:

  • For current eligible employees
  • For workers that meet the criteria in the future for the first time e.g. avoid joining temporary or lower paid workers


All eligible employees must be auto-enrolled, but can, with the correct notification, opt-out within one month of joining the scheme and be treated as never having joined. They can opt back in and will automatically be auto-enrolled every 3 years in any case!


There is a wide range of information that must be provided to all employees at certain times, such as:

  • The date auto-enrolment took place for eligible jobholders
  • That non-eligible jobholders have the statutory right to opt in
  • Entitled workers have the right to request the employer to enrol them into a pension scheme

Salary sacrifice

Contributions can be paid by effectively reducing salary, which saves on NI contributions, but employee must choose to do this – they cannot be forced, so a contractual variation will need to be implemented.

Default investment fund

Investment Options

All eligible employees will be automatically invested into a default investment fund, which is a balanced risk fund that is “life styled” to account for the employees approach to retirement. They also have the option to invest in a wide range of funds of their choosing.