Privacy Policy

We Believe in Transparency

Our Privacy Policy is designed so that you (“you” or “user”) understand how we collect, use, and safeguard the personally identifiable information that you voluntarily provide to us as well as the non-personally identifiable information that we may collect from you when using Every Investor.co.uk website (“Website”).

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Should the online Privacy Policy change, we will post all changes in an amended version with a new “Last Updated” date below.

Last Updated: October 2023

We collect two types of information from you. The first type is personal information that you actively choose to disclose (“Personal Information”) and the second type is anonymous aggregate information collected in a manner not visible to you or others visiting the Website (“Website Use Information”).

The personal information captured on any pages is used to match you with an expert equity release adviser. All advisers are authorised by the UK’s Prudential Regulation Authority (“PRA”) or Financial Conduct Authority (“FCA”) to provide advice on and arrange, equity release products, and work with providers in the Equity Release Council. Should you wish to confirm the regulated status of an equity release provider, please use the following links:
PRA: https://www.bankofengland.co.uk/prudential-regulation/authorisations/which-firms-does-the-pra-regulate
FCA: https://register.fca.org.uk/s/

Examples of personally identifiable data that you may provide to us may include your name, address, phone number and email address. In providing Personal Information, you consent and agree to us contacting you with information related to the Website and/or information regarding our or third parties’ products and services.

If you provide personally identifiable data to us, you may later request in writing to have that information deleted from our files or kept from being used for purposes other than for the service requested, by following the opt-out procedures set forth below.

We record information relating to your use of the Website, such as the information you click on, your browser type, IP address, referring URL, and timestamp information.

We use this type of information to administer the Website and may also use this information in the aggregate to perform statistical analyses of user behavior and characteristics in order to measure interest in and use of the various areas of the Website.

We may share, license, or sell information we collect to third parties for various marketing purposes, including their online marketing programs.

We also reserve the unequivocal right to release part or all your information, to the maximum extent permitted by law if:


(1)We believe that the Website is being or has been used to commit unlawful acts.
(2)Upon the receipt of any reasonable and verified request from Police or other enforcement authorities either in the UK or abroad.
(3) The information is subpoenaed or otherwise required in a court proceeding.
(4) You violate or breach an agreement with the Website.
(5) You have submitted fraudulent or otherwise invalid information to this Website.
(6) We believe that you may harm, or have harmed, our property rights or those of our members, our employees, the Website’s other users or any other trusted third party.
(7) we are sold to or otherwise acquired by any individual, entity or organisation (i.e., to a successor entity in the event of sale of the business, including merger, bankruptcy, or other ownership change).
(8) When we otherwise deem it reasonably necessary or appropriate.

In addition to any fee of which you may be notified, your provider’s standard messaging rates apply to our confirmation of your submission through the Website and all subsequent SMS correspondence.

We may use cookies and log files to optimise and personalise your experience and allow us to monitor site traffic patterns.
When you log on to our Site a “cookie” is placed on your computer. Cookies allow us to validate your identity and maintain the security and privacy of your account data. We may share, sell, or license cookies collected from your browser and hard drive to trusted third-party partners and advertisers.
These trusted and authorised third parties may link your name, address, and e-mail address to other information which they collect, such as past online / offline purchase information and Web usage from other sites. To learn more about this practice click here:
http://www.networkadvertising.org/managing/opt_out.asp

We make reasonable efforts to secure your information. Such efforts may include but are not limited to monitoring of our network and data for intrusions.

We also use industry-accepted standards to protect your information, including SSL encryption, if and when transmitting any sensitive information. We have implemented certain physical, encrypted, electronic, and managerial procedures to safeguard and secure the information we collect.

Communications you may have with us via email or mail may not be secure unless we advise you that security measures are in place prior to you sending the information. Therefore, if you choose to communicate with us through these means, you are assuming the risk of doing so and we request that you do not send or post sensitive information through these means.

Should you need to update or correct any personally identifiable information you have provided to us through the Site, you may send updates and corrections to us and we will make reasonable efforts to timely update or change the information we hold.

The Website may contain links to third party sites including sites with which we have no affiliation. We are not responsible for their privacy practices. It is recommended you read the privacy policies on all such third party sites.

Some processing activities will only be done where we have sought your prior consent. If we require your consent, we shall provide you with full details of the information that we would like and the reason we need it. Once given, you have the right to withdraw your consent again at any point and we shall be obliged to stop processing your data and delete it unless we can demonstrate that another legal basis applies.

In certain circumstances, for example if you are a UK or EEA resident, you may exercise the rights available to you (with some exceptions and restrictions) under the UK or the EU data protection laws as follows:

  • Access: If you wish to exercise your right to access a free copy of your data, you can contact us.
  • Portability: If you wish to receive personal data that you have provided to us in a structured, commonly used and machine-readable format, please contact us. Please note that this right applies only to the information that is processed by automated means, on the basis of consent or performance of a contract.
  • Deletion: To ask us to delete your personal data, please contact us. However, there may be circumstances where we are legally entitled to retain certain data.
  • Rectification: If you wish to update or rectify your data, please contact us.
  • Restriction: To request the restriction or suppression of your personal data, please contact us.
  • Revoke consent for direct marketing: If you wish to object to the processing of your data for direct marketing, you can opt-out by contacting us or clicking on the ‘unsubscribe’ link in any marketing email or newsletter you receive from us.
  • Objection to legitimate interests: If you wish to object to our processing of your data where we are pursuing our legitimate interests or those of a third party, please contact us, stating the nature of and reasons for such objection.
  • Complain: You also have the right to lodge a complaint about us with your local supervisory authority, for example the Information Commissioners Office in the UK.

Exercising Your Rights

To exercise your rights under the GDPR, please contact us indicating the type of right you would like to exercise and that you are making the request under the GDPR. In case of requests for deletion, please note there may be circumstances where we are legally entitled to retain certain data.

We may seek to verify the identity of the person submitting the request.

Where you are making a request via a third party, we need to be satisfied that the third party making the request is entitled to act on your behalf and may ask the third party to provide evidence of this entitlement. If we are satisfied that the third party has the appropriate authority, we will respond directly to that third party.

When contacting us relating to data deletion requests please email us at dataprotect@everyinvestor.co.uk.

 

In compliance with the Children’s Online Privacy Protection Act (COPPA), neither our advertisements nor our Website are directed at or designed to attract children.

Accordingly, we do not knowingly or intentionally collect personally identifiable information from anyone we know to be under 13 years of age.

For more information, or if you have any questions or concerns regarding this Privacy Policy, please email us at information@everyinvestor.co.uk.

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