PRIVACY POLICY

Please note that the privacy information on this page only covers this website – you will be given a copy of the full Terms and Conditions regarding your Real Life Legacy

PERSONAL DETAILS AND DATA PROTECTION PRIVACY

Your privacy is very important to us so this policy explains more about:-

• Who we are
• How we will use and process your data entered into our website
• Marketing and cookies
• What information we will collect about you
• Your rights and access to the information we hold
• Controlling and using your personal information
• Your health details
• Marketing and sharing your information
• What information will we collect about you
• Your data protection rights
• How to get more information
• Complaints
• Manage Marketing Preferences

Who we are

Real Life Legacy are part of the Real Life Services Ltd group of companies which includes: Real Life Legacy , Utility:Discount, Real Life Appeals Ltd, Real Life Services, Real Life Client Services and For All Business Ltd. You can contact any of the above at the group head office Real Life Services Ltd , 6 Harrier Close, Calne, Wiltshire, SN11 9UT. Telephone 01249 822 226 .

How we will use and process your data

We collect information about you when you register your online enquiry, agree to use our services, contact us for any reason and via cookies when you visit our websites. We process your data for certain legitimate business purposes including enabling us to respond to your enquiry about our services and to process any order for our services you make. We may use your contact details to get in touch by phone, email or SMS and to give you the opportunity to complete your order or to give us feedback. We may pass on information that you have provided to, or request information from, third parties for the purpose of providing our services (such as public records or bodies or private organisations.

We may pass collective information about the use of our website or our products or services to third parties but this will not include information that can be used to identify you. We will disclose your information if we are required to by law. We may disclose your information to enforcement authorities if they ask us to, or to a third party in the context of actual or threatened legal proceedings, provided we can do so without breaching data protection laws.

You have the right to object to us processing your information. Click here if you wish to object.

Marketing and Cookies

The information we hold for you may also be used to keep in contact with you by phone, email or SMS regarding your order and to let you know about other services from within our group that you might be interested in. We will not share your information for marketing purposes outside of the Real Life Services Ltd group.

If you no longer wish to be contacted for marketing purposes please click here.

Website usage information is collected using cookies. If you require any more information on the data we hold for you please contact us on [email protected]

Third party vendors, including Google, show Real Life Services Ltd group advertisements on the internet. Third party vendors, including Google, use cookies to serve ads based on a user’s prior visits to Real Life Legacy . Users may opt out of Google’s use of cookies by visiting the Google advertising opt-out page.

What information will we collect about you

Our aim is to offer advice that helps you plan your financial future. To provide such advice, we need to know about your personal situation and your Adviser may request sensitive and private information about you, for example, your income, current financial arrangements, health, family commitments and any legal proceedings you may be involved in. Much of the information you provide will, as part of your application, be passed to the company whose products you apply for and details of how they use your information are included in their data protection literature.

If you are unable or unwilling to provide some, or all, of this information your Adviser will be unable to provide you with advice suitable for your circumstances. We do not collect personal information from third parties.

Real Life Legacy are committed to protecting your privacy. We would like you to become a lifetime client and assure you that we will keep your personal information confidential and secure and only for as long as is necessary. The criteria we use to determine how long this period is can be obtained from Real Life Legacy Data Protection Officer at the address below.

We will use your data with care and it will only be shared in the ways explained here, or if we are required to by Law or the Financial Conduct Authority (FCA).

Your personal information will only be held for as long as necessary and collected for the purposes of providing advice in respect of the range of products and services outlined in the Initial Disclosure Document or Client Proposition Brochure provided by your Adviser. In addition, we will make every effort to ensure that the information you provide is recorded accurately and that it is only passed to companies who comply with the General Data Protection Regulations (GDPR). If it is required to send your information abroad, we will only do so to countries within the European Union (EU) or to a third country that the EU has determined provides an adequate level of protection and where you are able to exercise your rights to access your personal information under the GDPR.

Your rights and access to the information we hold

We are committed to the security of your personal information and we have security procedures in place to protect against the loss, misuse or alteration of information under our control. We have security measures in place to protect our database and access to this database is restricted. All information collected via the website is encrypted. All our employees who have access to, and are associated with the processing of personal data, are obliged to respect the confidentiality of your personal data.

You have the right to request a copy of all the information we hold about you. If you would like a copy of all or some of this information please contact us at our head office, email: [email protected] or call 01249 822 226 .

We want to make sure that all information we hold for you is accurate and up to date. Please keep us informed of any changes to your contact details or any other information which may impact on our ability to provide our services. You have the right to request that we remove or update any information that you think is inaccurate.

Controlling and using your personal information

We use your information in a variety of ways:

• To introduce you to a range of products and services offered by the companies we are associated with (or may be associated with in the future).
• To help with administration.
• To contact you with details of changes to products you have bought.
• For business analysis and research.
• For marketing products and services we think may be suitable for you (unless you ask us not to send you this information).
• To comply with the Law and/or FCA requirements.
• To verify your identity by searching publicly available records held by credit reference agencies.
• To prevent fraud and money laundering we may pass your details to other companies, public bodies including the police or to an insurer’s database. Insurance companies can search databases for any relevant information that exists about you.

We therefore process your data because it is necessary for:

• The performance of a contract to which you are a party.
• Compliance with legal obligations to which we as the controller are subject.

None of the information gathered about you will be used in automatic decision making.

Your health details

If you apply for some types of insurance (eg. life insurance, pensions, sickness etc.) you will be required to provide details of your health. Under the GDPR, this is regarded as sensitive personal data.

Your Adviser will have access to your medical details unless you prefer to complete a medical statement of health in private. If this is the case, please send it with your application marked for the attention of the “Consultant Medical Officer” in a sealed envelope.

We do need your explicit consent to collect and process your health details, which of course you may withdraw at any time. To provide this consent, please sign below and provide one copy of this form to your Adviser. Signing this form will also indicate that you have read and understood the provisions set out.

Marketing and sharing your information

The information you give us will be added to any other details we hold about you. Real Life Legacy will never sell your details to a third party, but we may share your information with carefully selected companies we are associated with. Therefore, we (or they) may contact you (by post, email, telephone or other appropriate means) to tell you about products, services or offers we believe may interest you. The products and services may not be related to financial services. You can ask us not to contact you for this reason, at any time, by writing to us at our Head Office. This will not affect your relationship with your Adviser.

We may have to pass your details to another Adviser if, for example your Adviser is ill or you need advice in a different product area. If your advisor leaves we may pass your details to another Adviser so that we can continue to provide you with a high standard of service.

We may send your information to third parties that are carrying out work on our behalf. Such as our partners TransUnion.

Much of the information you provide will, as part of your application, be passed to third parties including but not limited to the company whose products you apply for as well as our partners who provide ID verification and credit referencing. For further information on how third parties will use your information please review their individual privacy policies, links to which can be found within our own privacy policy which is available online reallifelegacy.co.uk/privacy

Further information on data sharing in regards to ID and credit checking, documenting what they do with your data and how it is stored, can be found at https://www.transunion.co.uk/legal-information/bureau-privacy-notice

What information will we collect about you

The following personal information about you may be collected and held on our database, to service your enquiry: Current Service Provider, Name, Gender, Address, Date of Birth, Telephone, Email, current payments, financial details, home ownership and identifiers assigned by public bodies.

This will either have come directly from you, public records or from other private organisations where your identifiable personal details will not be used to extract this information. Personal data processed for any purpose shall not be kept for longer than is necessary and will be updated, archived or securely deleted when appropriate in accordance with the General Data Protection Regulations 2018. We will use this personal date for as long as you subscribe to Real Life Services Ltd group products or until you unsubscribe via the website or request that your data is removed.

Your data protection rights

You have certain rights under the GDPR. These include the right to:

• Ask for a copy of your personal information in a portable format.
• Stop us sending you marketing material about products and services.
• Have any incorrect information we hold about you corrected.
• Ask us to restrict processing of your personal data.

As the processing of your personal information is necessary for a legal obligation placed upon us by the FCA and may be required for the establishment, exercise or defence of legal claims, we will not be able to permanently delete your personal information until the end of the period we have deemed necessary.

We will hold your personal information based on the following criteria:

• For as long as we have reasonable business needs, such as managing our relationship with you and managing our operations
• For as long as we provide services to you and then for as long as someone could bring a claim against us.
• Retention periods in line with any legal and regulatory requirements or guidance.

We are committed to the security of your personal information and we have security procedures in place to protect against the loss, misuse or alteration of information under our control. We have security measures in place to protect our database and access to this database is restricted. All information collected via the website is encrypted. All our employees who have access to, and are associated with the processing of personal data, are obliged to respect the confidentiality of your personal data.

How to get more information

If you would like further details on how we use your personal information or if you have any data protection queries, please write to:

Data Protection Officer
Real Life Services Ltd Group
6 Harrier Close
Calne
Wiltshire
SN11 9UT
Tel: 01249 822 226
Email: [email protected]

You may receive more information about data protection from the companies that we have introduced you to.

We may record telephone calls so we can check we have acted on your instructions correctly and to ensure we are giving you appropriate service. We may also monitor calls for security and training purposes.

Complaints

If you have any complaints about the way we or your Adviser have handled your personal information, please contact the Data Protection Officer at the address given above.

You also have the right to refer your complaint to the Information Commissioner.

Manage Marketing Preferences

Please use our Marketing Preferences Page to manage how we market to you