We provide Financial Risk Management and Structured Finance advisory services. We help you generate improved profitability and the services we offer are always tailored to your unique circumstances.

J.C. Rathbone Associates - Financial Risk Consultants

Our core services

Legal Information

Data Protection

JCRA Financial wants to protect the privacy of visitors to our website and that of our clients. Please read the following policy; it will help you to understand how we use any personal data. We may change our privacy policy at any time without giving you notice, so please check it each time you visit our website.

Whenever you give us personal data, you are consenting to its collection and use in accordance with this privacy policy, including our use of cookies as explained below. 

What personal data do we collect?

We log your Internet Protocol (IP) address in order to receive and send information from and to you over the internet.

When you register with us, visit our website, use our services, make an enquiry, order products or services from us, you may be asked to provide some personal data such as your name, address, telephone number and e-mail address.

We also automatically collect data about visitors to our website (for example on browsing patterns) by using cookies. (See below.) This data is used only in an anonymous form; no individual is identified.

Cookies

A cookie is a small piece of data or message that is sent from a web server to your browser and is stored on your hard drive. A cookie can't read data off your hard disk or read cookie files created by other sites. Cookies do not damage your system.

You can reset your browser so as to refuse any cookie or to alert you to when a cookie is being sent.

We only use cookies for the purposes of system administration of our website and give us information about the number of visitors to different parts of our website.

How do we use your personal data?

We use your personal data to provide products and services to you or your organization, to let you know about other products and services in which you may be interested.

We may also use your personal data to carry out research about our visitors' and clients' demographics, interests and behavior. We do this to better understand our visitors, clients and potential clients. This research is compiled and analyzed on an aggregated and anonymous basis.

Whenever and wherever we collect, process or use personal data, we take steps to ensure that it is treated securely and in accordance with our privacy policy.

To whom might we disclose your personal data?

We may pass your personal data to other data processors, such as off-site contingency locations and payment bureaus.

Except as set out above, we will not disclose your personal information unless we are obliged to do so or allowed to do so, by law, or where we need to do so in order to run our business (for instance where we outsource services or other people process data for us).

Direct Marketing

You may at any time request us to stop using your personal data for direct marketing purposes. If you wish to do this please contact us.

Links

Our website contains links to other websites, but this Privacy Policy applies only to personal data collected via websites operated by JCRA Financial. We are not responsible for the privacy practices of other sites. We encourage our visitors to be aware when they leave our website, and to read the privacy policy of other sites that collect or use personal data.

Security

Unfortunately, no data transmission over the Internet or any other network can be guaranteed as 100% secure, but we take appropriate steps to try to protect the security of your personal data.

Inaccuracies and Corrections

We would like to keep your personal data accurate and up to date. If you become aware of any errors or inaccuracies please let us know by contacting us.

Business Continuity


JCRA Financial has developed and implemented a Business Continuity Plan (BCP) designed to address and mitigate the potential consequences of a significant business disruption, whether the disruption is local to the company, its immediate locale, or more regional. The BCP is designed to enable us to continue or resume key operations in the event of an emergency or significant business disruption within 24 to 48 hours or less.

Our BCP tries to anticipate the various types of events that could interfere with our ability to operate on a normal basis. Critical functions addressed include the storage and preservation of data, alternate communications with clients and regulators, and alternate communications with, and safety of, employees.

JCRA Financial maintains the majority of its books and records electronically. If records are lost as the result of a business disruption or for any other reason, JCRA Financial can recover data from back-up locations.

In the event of a significant business disruption, JCRA Financial will assess all available means of communication and determine how best to communicate with clients. If we are unable to communicate through traditional means we will, if possible, post emergency contact information and instructions on our website.

Our BCP may need to rely upon the recovery and restoration of services provided by various critical business constituents at both our primary and alternate business locations. We have considered the extent to which we may be able to depend upon these business relationships during a significant business disruption as a part of our decision to do business with these constituents.

We believe that our BCP implements reasonable and prudent measures to overcome or at least mitigate the consequences of an event that would otherwise interfere with the normal course of our business. However, because it is not possible to anticipate the nature, scope, impact and consequence of every possible business disruption, JCRA Financial does not represent or guarantee that it will be able to continue or resume business operations within any specified period of time under all circumstances.

Our BCP is subject to periodic modification. A copy of the summary of our BCP is available upon request by writing to JCRA Financial, 5 Penn Plaza, 23rd Floor, New York, NY 10001, Attention: Chief Compliance Officer.