Privacy Policy
Last updated 02/04/2021
Thank you for choosing to be part of our community at EquityAssist.co.uk (“Company“, “we“, “us“, “our“). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice, or our practices with regards to your personal information, please contact us at info@equityassist.co.uk. When you use any of our services (the “Services“, which include our equity release service and all enquiries made), we appreciate that you are trusting us with your personal information. We take your privacy very seriously. In this privacy notice, we seek to explain to you in the clearest way possible what information we collect, how we use it and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. If there are any terms in this privacy notice that you do not agree with, please discontinue use of our Services immediately.
This privacy notice applies to all information collected through our Services (which, as described above, includes our equity release service and all enquiries made), as well as, any related services, sales, marketing or events.
Please read this privacy notice carefully as it will help you understand what we do with the information that we collect.
Our website address is: https://www.equityassist.co.uk
What information do we collect about you?
We collect information about you when you engage us for Equity Release advice. This information will relate to your personal and financial circumstances. It may also include special categories of personal data such as data about your health, if this is necessary for the provision of our services. We may also collect information when you voluntarily complete survey forms or use website calculators provided by us, when you provide feedback to us, or we may obtain information from referrals made by authorised third parties or from publicly available information. Information relating to usage of our website is collected using ’cookies’. These are text files placed on your computer to collect standard internet log information and visitor behaviour information. We may use your information collected from the website to personalise your repeat visits to the site.
How will we use the information about you?
We will process your data in order to fulfil our contract with you when you enquire about or purchase a service from us. If you enquire about our services through our calculators or forms on our websites, we will use the information you provide to contact you and provide further information about our various products and services. We may combine data captured from across our group as well as overlay additional demographic and lifestyle data from publicly available and other authorised sources, to help us understand your circumstances and needs for marketing and insight purposes. This will help us personalise the content we share with you with the aim of making it more relevant to you.
Explaining the legal bases we rely on
The law on data protection sets out a number of different reasons for which a company may collect and process your personal data, including:
Consent
In certain specific situations we will collect and process your data with your consent. For example, before you submit your email contact details when using our online calculators. When collecting your personal data, we’ll always make clear to you which data is necessary in connection with a particular service. Where special category data is required, for example details about your health, we will always obtain your explicit consent in order to collect and process this information.
Contractual obligations
In certain circumstances, we need your personal data to comply with our contractual obligations. The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data we would also be unable to fulfil our legal and regulatory obligations. For example, in order to provide you with suitable equity release advice, we need to gather information about your current financial circumstances.
Legal/Regulatory compliance
If the law requires us to, we may need to collect and process your data. For example, where we identify fraud or other criminal activity we will pass on personal data to relevant law enforcement agencies.
Legitimate interest
In specific situations, we require your data to pursue our legitimate interests in a way which might reasonably be expected as part of running our business and which does not materially impact your rights, freedom or interests. When we process your personal information for our legitimate interests, we make sure to consider the balance and any potential impact on you (both positive and negative) and your rights under the data protection regulation. Our legitimate business interests do not automatically override your interests – we will not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). Our legitimate business interests may include some or all of the following:
a. To send you marketing communications, informing you about our products and services and keeping you updated about any relevant development (you can opt out of marketing communications at any time);
b. For evidential purposes, to effectively manage and maintain records of our relationships and communications with you;
c. To enhance, modify, personalise or otherwise improve our services and communications for your benefit;
d. To better understand how you interact with our websites and content in order to enhance your customer experience;
e. To determine the effectiveness of promotional campaigns to inform marketing strategy.
Who might we share your information with?
We will not share your information for marketing purposes with organisations that are not related to getting you information on/helping with your enquiry around Equity Release. In order to deliver our services to you effectively we may send your details to third parties such as those that we engage for printing services, professional accountancy or legal services, as well as product providers that we use to arrange financial products for you. Where third parties are involved in processing your data we’ll have a contract in place with them to ensure that the nature and purpose of the processing is clear, that they are subject to a duty of confidence in processing your data and that they’ll only act in accordance with our written instructions. Where it’s necessary for your personal data to be forwarded to a third party we’ll use appropriate security measures to protect your personal data in transit. To fulfil our obligations in respect of prevention of money-laundering and other financial crime we may send your details to third party agencies for identity verification purposes.
How long do we keep hold of your information?
In principle, your personal data should not be held for longer than is required under the terms of our contract for services with you. However, we are subject to regulatory requirements to retain data for specified minimum periods. We also reserve the right to retain data for longer than this due to the possibility that it may be required to defend a future claim against us. At the end of any retention period, your data will either be deleted completely or anonymised, for example by aggregation with other data so that it can be used in a non-identifiable way for statistical analysis and business planning.
Your rights
You have the right to request deletion of your personal data. We will comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above. You have the right to request a copy of the information that we hold about you. If you’d like a copy of some or all of your personal information please email or write to us using the contact details noted below. When your personal data is processed by automated means you have the right to ask us to move your personal data to another organisation for their use. We have an obligation to ensure that your personal information is kept accurate and up to date. Please ask us to correct or remove any information that you think is incorrect.
Opt-out policy
If, at any time after registering, you change your mind about receiving our postal/email offers or sharing your information with third parties you can email us at info@equityassist.co.uk or via this contact form.
Correcting/update
If you would like to correct and/or update your registration information you can email us at info@equityassist.co.uk or via this contact form.
Will your information be shared with anyone?
In Short: We only share information with your consent, to comply with laws, to provide you with services, to protect your rights, or to fulfil business obligations. We may process or share your data that we hold based on the following legal basis: More specifically, we may need to process your data or share your personal information in the following situations:
a. Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
b. Affiliates. We may share your information with our affiliates, in which case we will require those affiliates to honour this privacy notice. Affiliates include our parent company and any subsidiaries, joint venture partners or other companies that we control or that are under common control with us.
c. Business Partners. We may share your information with our business partners to offer you certain products, services or promotions.
d. Other Users. When you share personal information or otherwise interact with public areas of the website, such personal information may be viewed by all users and may be publicly made available outside the in perpetuity. If you interact with other users of ours and register for our services through a social network (such as Facebook), your contacts on the social network will see your name, profile photo, and descriptions of your activity. Similarly, other users will be able to view descriptions of your activity, communicate with you within our website, and view your profile.
How long do we retain your data?
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
Changes to our privacy notice
We keep our privacy notice under regular review and we’ll place any updates on this web page. This privacy notice was last updated on 02/04/2021
What information do we collect? Personal information you disclose to us
In Short: We collect personal information that you provide to us. We collect personal information that you voluntarily provide to us when you provide us your email and register an interest in obtaining information about us or our products and Services, when you participate in activities on the internet (such as by posting messages in our online forums or entering your information on the calculator or request a call back) or otherwise when you contact us. The personal information that we collect depends on the context of your interactions with us and the choices you make and the products and features you use. The personal information we collect may include the following: Name, address, date of birth, personal and property details, medical if applicable, email address, telephone number and contact details, any other personal information disclosed. All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information.
Information automatically collected
In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our website via cookies. We automatically collect certain information when you visit, use or navigate the. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our and other technical information. This information is primarily needed to maintain the security and operation of our, and for our internal analytics and reporting purposes. Like many businesses, we also collect information through cookies and similar technologies.
How long do we keep your information for?
In Short: We keep your information for as long as necessary to fulfil the purposes outlined in this privacy notice unless otherwise required by law. We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than six months. When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
Opting out of email marketing:
You can unsubscribe from our marketing email list at any time by clicking on the unsubscribe link in the emails that we send or by contacting us using the details provided below. You will then be removed from the marketing email list — however, we may still communicate with you, for example to send you service-related emails that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes. To otherwise opt-out, you may:
Do we make updates to this notice?
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws. We may update this privacy notice from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.
How can you contact us about this notice?
If you have questions or comments about this notice, you may email us at info@equityassist.co.uk
How can you review, update, or delete the data we collect from you?
Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it in some circumstances. To request to review, update, or delete your personal information, please submit a request form by clicking here. We will respond to your request within 30 days.
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact 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, 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.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Changes to our privacy notice
We keep our privacy notice under regular review and we’ll place any updates on this web page. This privacy notice was last updated on 02/04/2021
What information do we collect? Personal information you disclose to us
In Short: We collect personal information that you provide to us. We collect personal information that you voluntarily provide to us when you provide us your email and register an interest in obtaining information about us or our products and Services, when you participate in activities on the internet (such as by posting messages in our online forums or entering your information on the calculator or request a call back) or otherwise when you contact us. The personal information that we collect depends on the context of your interactions with us and the choices you make and the products and features you use. The personal information we collect may include the following: Name, address, date of birth, personal and property details, medical if applicable, email address, telephone number and contact details, any other personal information disclosed. All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information.
Information automatically collected
In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our website via cookies. We automatically collect certain information when you visit, use or navigate the. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our and other technical information. This information is primarily needed to maintain the security and operation of our, and for our internal analytics and reporting purposes. Like many businesses, we also collect information through cookies and similar technologies.
How long do we keep your information for?
In Short: We keep your information for as long as necessary to fulfil the purposes outlined in this privacy notice unless otherwise required by law. We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than six months. When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
Opting out of email marketing:
You can unsubscribe from our marketing email list at any time by clicking on the unsubscribe link in the emails that we send or by contacting us using the details provided below. You will then be removed from the marketing email list — however, we may still communicate with you, for example to send you service-related emails that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes. To otherwise opt-out, you may:
Do we make updates to this notice?
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws. We may update this privacy notice from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.
How can you contact us about this notice?
If you have questions or comments about this notice, you may email us at info@equityassist.co.uk
How can you review, update, or delete the data we collect from you?
Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it in some circumstances. To request to review, update, or delete your personal information, please submit a request form by clicking here. We will respond to your request within 30 days.
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For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time. Website administrators can also see and edit that information.
Cookies
We may use cookies to track visitor use of the website and to compile statistical reports on website activity. Further details can be found in our cookie policy. For further information about cookies visit https://ico.org.uk/for-the-public/online/cookies/ You can set your browser not to accept cookies and the above website tells you how to remove cookies from your browser. However in a few cases some website features may not function as a result.
What can you do if you are unhappy with how your personal data is processed?
You also have a right to lodge a complaint with the supervisory authority for data protection. In the UK this is: Information Commissioner’s Office Wycliffe House Water Lane Wilmslow Cheshire SK9 5AF
Information automatically collected
In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our website via cookies. We automatically collect certain information when you visit, use or navigate the. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our and other technical information. This information is primarily needed to maintain the security and operation of our, and for our internal analytics and reporting purposes. Like many businesses, we also collect information through cookies and similar technologies.
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 exact 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, 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.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Changes to our privacy notice
We keep our privacy notice under regular review and we’ll place any updates on this web page. This privacy notice was last updated on 02/04/2021
What information do we collect? Personal information you disclose to us
In Short: We collect personal information that you provide to us. We collect personal information that you voluntarily provide to us when you provide us your email and register an interest in obtaining information about us or our products and Services, when you participate in activities on the internet (such as by posting messages in our online forums or entering your information on the calculator or request a call back) or otherwise when you contact us. The personal information that we collect depends on the context of your interactions with us and the choices you make and the products and features you use. The personal information we collect may include the following: Name, address, date of birth, personal and property details, medical if applicable, email address, telephone number and contact details, any other personal information disclosed. All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information.
Information automatically collected
In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our website via cookies. We automatically collect certain information when you visit, use or navigate the. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our and other technical information. This information is primarily needed to maintain the security and operation of our, and for our internal analytics and reporting purposes. Like many businesses, we also collect information through cookies and similar technologies.
How long do we keep your information for?
In Short: We keep your information for as long as necessary to fulfil the purposes outlined in this privacy notice unless otherwise required by law. We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than six months. When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
Opting out of email marketing:
You can unsubscribe from our marketing email list at any time by clicking on the unsubscribe link in the emails that we send or by contacting us using the details provided below. You will then be removed from the marketing email list — however, we may still communicate with you, for example to send you service-related emails that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes. To otherwise opt-out, you may:
Do we make updates to this notice?
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws. We may update this privacy notice from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.
How can you contact us about this notice?
If you have questions or comments about this notice, you may email us at info@equityassist.co.uk
How can you review, update, or delete the data we collect from you?
Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it in some circumstances. To request to review, update, or delete your personal information, please submit a request form by clicking here. We will respond to your request within 30 days.
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