Introduction

We understand that your privacy is important to you and that you care about how your information is used and shared.

This privacy policy explains what information we collect about you, how we may use it, and the steps we take to ensure that it is kept secure. We also explain your rights and how to contact us.

How we collect your information

We collect details from you when you request a product, service, offers or news from us from our website, emails, telephone conversations, and written and verbal communication.

We may increase the information that you provide with other information that we obtain from our dealings with you or from outside sources.

What information we collect

In order to provide you with a mortgage or insurance recommendation we will be required to collect personal sensitive information.

This can include but may not be limited to your:

  • Name.
  • Address.
  • Date of birth.
  • Gender.
  • Business/company name.
  • Job title.
  • Profession.
  • Nationality.
  • Contact details.
  • Dependents.
  • Income and expenditure.
  • Credit score/status.
  • Agreements held with creditors.
  • Employment status.
  • Current property details.
  • Current mortgage provider (if applicable).

For some products and services, you might be asked to provide sensitive information such as details surrounding health which will help us to understand your specific circumstances. This information allows us to tailor our recommendations to best suit your needs.

We may collect information about the devices you use including internet protocol address (IP address), location, type and operating system.

Where you provide information about other people (such as joint applicants), you must ensure that you have their consent or are otherwise entitled to provide their information to us and we will be required to confirm this information with that person at a later stage.

Not providing this information or providing false or inaccurate information will mean we are unable to provide you with a suitable recommended product.

How we use your information

The information we collect will be used for:

  • The purpose of brokering a mortgage and/or an insurance policy.
  • Complete pre-eligibility checks.
  • Assess and process applications.
  • Verify your identity.
  • Prevent fraud and money laundering.
  • Informing you about changes to our site, products, services.
  • To notify you about changes to the service.
  • Communicating (and personalising such communication) with you.
  • Audit purposes, research and statistical analysis.

We will not retain your personal information for longer than is necessary.

We will never pass your information to a third party for marketing purposes.

We will only send you marketing material regarding unrelated products or services if we have obtained your explicit consent to do so.

How and Where Do We Store Your Data?

We only keep your data for as long as we need to in order to use it as described above, and/or for as long as we have your permission to keep it.

Your data will only be stored within the European Economic Area ("the EEA") (The EEA consists of all EU member states, plus Norway, Iceland and Liechtenstein).

Data security is of great importance to Us, and to protect your data We have put in place suitable physical, electronic and managerial procedures to safeguard and secure data collected through Our Site.

Steps We take to secure and protect your data include:

  • All of the data you provide to Us is secured and protected via a valid HTTPS connection.
  • Notwithstanding the security measures that We take, it is important to remember that the transmission of data via the internet may not be completely secure and that you are advised to take suitable precautions when transmitting to Us data via the internet.

Facebook

Facebook Messenger helps us to communicate to you and provide you with our service. We may also use this to collect personal data such as id, name, picture, gender, location and certain connections such as friends. If you have made more data public, we will also be able to collect this.

Facebook have recently updated their terms of service and data policies making it much easier for you to control what type of data Facebook shares. For more information on this and how you can control what information you share on Facebook please review Facebook's terms of service and data policies which you can access via the help button on your Facebook profile.

Contacting you

We will use your contact details to communicate with you to help you manage your application, to fulfil our regulatory obligations, to make you aware of helpful tips or advice regarding your finances and to remind you about the features and benefits of products you already hold.

Will we share your information?

In order for us to proceed with our recommendation, we will be required to share your information with the specified mortgage or insurance provider. This will be done with the express purpose of completing your application or where the law or regulation allows or requires us to do so, for legitimate business purpose.

We may also share your information with other people or organisations (who are also bound to keep it safe and secure) if we have a duty to disclose it. For example, we may share it with:

  • Any mortgage lender or insurance provider you have asked us to make an application on your behalf.
  • Credit reference agencies.
  • Fraud prevention agencies.
  • Regulators and authorities.

Your data will only be stored within the European Economic Area ("the EEA").

In the future we may wish to share your data with third party companies that provide services and products you may benefit from. We will not do this until we have gained your explicit consent to do so.

Gaining your consent

With your explicit consent we will tell you about other products and services which may be of interest to you - these are called marketing messages, and you can change your mind about these communications at any time.

We collect consent at the start of your journey shortly after you have created your account on our website. We will also collect product specific information throughout your journey which could help us to enhance your experience.

For more information on how we gain your consent please request a copy of our E-Marketing policy.

If you change your mind you can remove your consent and opt out at any time by contacting us on 0333 123 0012 or by writing to Life's Great Limited, The Ropewalks, Newton St, Macclesfield SK11 6QJ.

Your request to opt out of receiving marketing or promotional material will be processed as soon as it is received.

Any and all marketing emails sent by Us include an unsubscribe link. If you opt out of receiving marketing material via the unsubscribe link, it may take up to 2 business days for your new preferences to take effect.

Security

We pride ourselves in treating your data with the utmost care and security. Our systems meet or exceed industry standards and we are constantly monitoring these to provide improvements where available.

We will never store passwords in plain text, nor will we allow anyone to access your data without authorisation to do so. All our employees are background checked before they are granted access to your data.

Individual Rights

Under the General Data Protection Regulation (GDPR), you have increased rights regarding the data we hold and process about you.

These rights include:

  • The right to be informed - we are obligated to inform our customers about how we collect and process their personal data. This is achieved in this privacy policy.
  • The right to access - under GDPR you have the right to obtain:
    • Confirmation that your details are being processed.
    • Access to your personal data.
    Where you have a reasonable requirement for requesting the data we hold, you are able to contact us to ask for this information.
    Where a reasonable request for information has been made we will endeavor to provide this information without delay and at the latest within one month of the receipt.
    We will not usually charge a fee for this information; however, if we deem a request to be unfounded or excessive we may refuse to respond or charge a reasonable fee.
  • The right to rectification - GDPR includes the right for individuals to have inaccurate personal data rectified. In order to have any data rectified just contact us advising of the information you wish to have corrected. We may require proof of the information in certain circumstances.
  • The right to be forgotten / have data deleted - GDPR grants individuals the right to request they be forgotten and/or have their information deleted. We will not completely delete data as it may be relied upon in the future; however, we will delete all information that could be used for contact, processing and/or marketing. Any data that is retained will be marked out of use and placed under strictly limited access and will not be used for any proactive contact purposes.
  • The right to portability - GDPR allows you to obtain and reuse your personal data for your own purposes across different services. It allows you to move, copy or transfer personal data easily from one IT environment to another in a safe and secure way, without hindrance to usability.
    Where a reasonable request for information to be ported has been made we will endeavor to provide this information without delay and at the latest within one month of the receipt.

Data requests can be made by writing to us at hello@lifesgreat.com or Life's Great, Ropewalks, Newton Street, Macclesfield, SK11 6QJ. Alternatively, you can call us on 0333 123 0012.

Changing your personal information

If you believe that we are storing details relating to you and that these are incorrect or you wish to remove them, please contact us at hello@lifesgreat.com or Life's Great, Ropewalks, Newton Street, Macclesfield, SK11 6QJ.

Cookies Policy

In addition to personal information you provide, we may also collect information about you automatically when you visit our site or access content in our electronic communications with you. The collection of information may involve the use of cookies and web beacons.

A web beacon is a small graphic image placed on a web page that is designed to allow us to monitor traffic on the Site or within electronic communications. A cookie is a small text file that is placed on your computer's hard drive by your browser.

Cookies allow us to identify your computer and find out details about your visit and browsing habits so that we can offer you a more personalised experience and manage, monitor and improve services which you will be made aware of prior to creating an account on our website.

 

Our website uses 3 types of cookies:

Analytical:
These cookies help us to better understand how our visitors are using our website. We use this information to improve our service and marketing activity.

Functional:
These cookies allow us to provide a seamless user experience, ensuring we recognise returning visitors and secure user sessions.

Infrastructural:
These cookies help us to deliver content to users in the most efficient manner, ensuring quicker load times and a smoother experience.

Certain features of Our Site depend on Cookies to function and are deemed to be 'strictly necessary'. These Cookies are shown below and your consent will not be sought to place these Cookies.

You may still block these cookies by changing your internet browser's settings as detailed below, but please be aware that Our Site may not work as intended if you do so. We have taken great care to ensure that your privacy is not at risk by allowing them.

 

Cookies used on our website:

_utma: A Google Analytics cookie keeps track of the number of times a visitor has been to the site, when their first view was, and when their last visit occurred.

_utmb: A Google Analytics cookie that creates timestamp of the exact moment in time when a visitor enters the site.

_utmc (session): A Google Analytics cookie that creates timestamp of the exact moment in time when a visitor leaves the site. This cookie waits for 30 minutes for another page view to happen and then it expires.

_utmz: A Google Analytics cookie keeps track of where the visitor came from, what search engine was used, what link was clicked, what keyword was used and where in the world the website was accessed from.

PREF: A Google cookie used by the Google Maps. This cookie stores information about user preferences, such as preferred zoom level.

NID: A Google cookie used by the Google Maps. This cookie keeps track of various unique identifiers.

HSID: A Google cookie used by the Google Maps. This cookie keeps track of various unique identifiers.

APISID: A Google cookie used by the Google Maps. This cookie keeps track of various unique identifiers.

SID: A Google cookie used by the Google Maps. This cookie keeps track of various unique identifiers.

Customers are able to download a free Google browser plug in which will disable all analytic cookies. You can learn more about this by visiting https://tools.google.com/dlpage/gaoptout.

Third Party Cookies

If you decide to share our content using social media sharing tools on our Sites, you may be presented with cookies from third party sites such as Facebook, Twitter, LinkedIn or Google+. Life's Great does not control how these sites use cookies so you should refer to the relevant site's own privacy and cookie policy to understand how they use cookies.

Deleting and preventing cookies

Customers are also able to clear their internet cache and cookies by accessing their internet browser settings menu. Guides for doing so can be found here:
Google Chrome
Firefox
Safari
iPhone/iPad
UC
Iron
Internet Explorer
Opera
Android
Edge

You can learn more about cookies and how to reject cookies using different types of browser by visiting www.allaboutcookies.org.

Future changes to this policy

Any changes we make to our policy will be put on our website. Please check for updates from time to time, so you are always fully aware of what information is collected and how it is used.

How to contact us?

If you have any questions or concerns about our use of your personal information or would like a copy of the information we hold about you, please write to the Data Protection Officer; hello@lifesgreat.com or Life's Great, Ropewalks, Newton Street, Macclesfield, SK11 6QJ.