Privacy Policy

Later-Life-Lending.co.uk understands that your privacy is important to you and that you care about how your personal data is used and shared online. We respect and value the privacy of everyone who visits this website, Later-Life-Lending.co.uk and will only collect and use personal data in ways that are described here, and in a manner that is consistent with Our obligations and your rights under the law.

Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of Our Privacy Policy is deemed to occur upon your first use of Later-Life-Lending.co.uk. If you do not accept and agree with this Privacy Policy, you must stop using Later-Life-Lending.co.uk immediately.

Definitions and Interpretation

In this Policy, the following terms shall have the following meanings:

“Account” – means an account required to access and/or use certain areas and features of Later-Life-Lending.co.uk;
“Cookie” – means a small text file placed on your computer or device by Later-Life-Lending.co.uk when you visit certain parts of Later-Life-Lending.co.uk and/or when you use certain features of Later-Life-Lending.co.uk. Details of the Cookies used by Later-Life-Lending.co.uk are set out in section 13, below;
“Cookie Law” – means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;
“personal data” – means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Later-Life-Lending.co.uk. This definition shall, where applicable, incorporate the definitions provided in the EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”); and
“We/Us/Our” – means Later-Life-Lending.co.uk , an operating name managed by PB, JD & JS Limited.

Information About Us

Later-Life-Lending.co.uk is operated by PB, JD & JS Limited a limited.

Our Data Protection Officer is Later-Life-Lending.co.uk, and can be contacted by email at contact@later-life-lending.co.uk.

What Does This Policy Cover?

This Privacy Policy applies only to your use of Later-Life-Lending.co.uk. Later-Life-Lending.co.uk may contain links to other websites. Please note that We have no control over how your data is collected, stored, or used by other websites and We advise you to check the privacy policies of any such websites before providing any data to them.

Your Rights

As a data subject, you have the following rights under the GDPR, which this Policy and Our use of personal data have been designed to uphold:

  • The right to be informed about Our collection and use of personal data;
  • The right of access to the personal data We hold about you (see section 12);
  • The right to rectification if any personal data We hold about you is inaccurate or incomplete (please contact Us using the details in section 14);
  • The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you (We only hold your personal data for a limited time, as explained in section 6 but if you would like
  • Us to delete it sooner, please contact Us using the details in section 14);
  • The right to restrict (i.e. prevent) the processing of your personal data;
  • The right to data portability (obtaining a copy of your personal data to re-use with another service or organisation);
  • The right to object to Us using your personal data for particular purposes; and
  • Rights with respect to automated decision making and profiling.
  • If you have any cause for complaint about Our use of your personal data, please contact Us using the details provided in section 14 and We will do Our best to solve the problem for you. If We are unable to help, you also have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s Office.
  • For further information about your rights, please contact the Information Commissioner’s Office or your local Citizens Advice Bureau.

What Data Do We Collect?

Depending upon your use of Later-Life-Lending.co.uk, We may collect some or all of the following personal [and non-personal] data (please also see section 13 on Our use of Cookies and similar technologies [and Our Cookie Policy]):

  • name;
  • date of birth;
  • gender;
  • contact information such as email addresses and telephone numbers;
  • demographic information such as age
  • IP address;
  • web browser type and version;
  • operating system;
  • a list of URLs starting with a referring site, your activity on Later-Life-Lending.co.uk;

How Do We Use Your Data?

All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with Our obligations and safeguard your rights under the GDPR at all times. For more details on security see, below.

Our use of your personal data will always have a lawful basis, either because it is necessary for Our performance of a contract with you, because you have consented to Our use of your personal data (e.g. by subscribing to emails), or because it is in Our legitimate interests.

Specifically, We may use your data for the following purposes:

  • Personalising and tailoring your experience on Later-Life-Lending.co.uk;
  • Supplying final calculations via our Equity Release and Remortgage Calculator to you (please note that We require your personal data in order to enter into a contract with you);
  • Providing your details to a registered IFA (Independent financial advisor) in order to receive a call back at your request;
  • Adding you to our newsletter subscriber list, at your request;
  • Supplying you with emails that you have opted into
  • Analysing your use of Later-Life-Lending.co.uk [and gathering feedback] to enable Us to continually improve Later-Life-Lending.co.uk and your user experience;

With your permission and/or where permitted by law, We may also use your data for marketing purposes which may include contacting you by email and telephone with information, news and offers on Our products and services. We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003.

You have the right to withdraw your consent to Us using your personal data at any time, and to request that We delete it.

We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Data will therefore be retained for the following periods (or its retention will be determined on the following bases):

  • Email Data will be retained indefinitely as long as your consent was initially given and until you remove yourself from our mailing list
  • Telephone Data will be deleted once passed to an IFA upon your choosing

How and Where Do We Store Your Data?

We only keep your personal data for as long as We need to in order to use it as described above in section 6, and/or for as long as We have your permission to keep it.
Your data will only be stored in the UK.

Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard and secure data collected through Later-Life-Lending.co.uk.

Do We Share Your Data?

We will only share your data with third party IFA’s if you choose that option when using our Equity Release and Remortgage Calculator.

We may compile statistics about the use of Later-Life-Lending.co.uk including data on traffic, usage patterns, user numbers, sales, and other information. All such data will be anonymised and will not include any personally identifying data, or any anonymised data that can be combined with other data and used to identify you. We may from time to time share such data with third parties such as prospective investors, affiliates, partners, and advertisers. Data will only be shared and used within the bounds of the law.

We may sometimes use third party data processors that are located outside of the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein). Where We transfer any personal data outside the EEA, We will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the UK and under the GDPR including.

In certain circumstances, We may be legally required to share certain data held by Us, which may include your personal data, for example, where We are involved in legal proceedings, where We are complying with legal requirements, a court order, or a governmental authority.

What Happens If Our Business Changes Hands?

We may, from time to time, expand or reduce Our business and this may involve the sale and/or the transfer of control of all or part of Our business. Any personal data that you have provided will, where it is relevant to any part of Our business that is being transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use that data only for the same purposes for which it was originally collected by Us.

In the event that any of your data is to be transferred in such a manner, you will be contacted in advance and informed of the changes. When contacted you will not, however, be given the choice to have your data deleted or withheld from the new owner or controller.

How Can You Control Your Data?

In addition to your rights under the GDPR, set out in section 4, when you submit personal data via Later-Life-Lending.co.uk, you may be given options to restrict Our use of your data. In particular, We aim to give you strong controls on Our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the links provided in Our emails and at the point of providing your details.

You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.

Your Right to Withhold Information

You may access all of Later-Life-Lending.co.uk without providing any data at all. However, to use all features and functions available on Later-Life-Lending.co.uk like our Equity Release and Remortgage Calculator you will be required to submit & allow for the collection of certain data.

You may restrict Our use of Cookies by using our pop-up.

How Can You Access Your Data?

You have the right to ask for a copy of any of your personal data held by Us (where such data is held). Under the GDPR, no fee is payable and We will provide any and all information in response to your request free of charge. Please contact Us for more details at contact@later-life-lending.co.uk.

Our Use of Cookies

Set of tools used to collect and analyse usage statistics, enabling Us to better understand how people use Later-Life-Lending.co.uk. For more details, please refer to Our Cookie Policy.

Contacting Us

If you have any questions about Later-Life-Lending.co.uk or this Privacy Policy, please contact Us by email at contact@later-life-lending.co.uk. Please ensure that your query is clear, particularly if it is a request for information about the data We hold about you (as under section 12, above).

Changes to Our Privacy Policy

We may change this Privacy Policy from time to time (for example, if the law changes). Any changes will be immediately posted on Later-Life-Lending.co.uk and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Later-Life-Lending.co.uk following the alterations. We recommend that you check this page regularly to keep up-to-date.