Privacy policy

Giraffe Equity Release (“We”) are committed to protecting and respecting your privacy.

This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting life-time-mortgage.co.uk you are accepting and consenting to the practices described in this policy.

For the purpose of the General Data Protection Regulation (EU) 2016/679 and any national implementing laws, regulations and secondary legislation and the Data Protection Act 1998 (“Data Protection Legislation”), the data controller is Giraffe Equity Release. Giraffe Equity Release Limited is a trading style of Fortic Financial Services Limited, 5 Tywarnhayle Square, Perranporth, Cornwall. TR6 0ER. Fortic Financial Services Limited is authorised and regulated by the Financial Conduct Authority No. 474740. Company No. 6300493.

Information we may collect from you

We may collect and process the following data about you:

Information You Give Us

You may give us information about you by filling in forms on our site www.life-time-mortgage.co.uk (our site) or by corresponding with us by phone, e-mail or otherwise. The information you give us may include your name, address, e-mail address and phone number, financial and credit card information.

Information We Collect About You

With regard to any visit to our site we may collect the following information (subject to your consent).

• technical information, including the Internet Protocol (IP) address used to connect your computer to the Internet, your browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
• information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to contact us.

Uses we make of your information

We use information held about you in the following ways:

Information you give to us

We may use this information:

• to carry out our obligations arising from any contracts entered into between you and us and to provide you with the information, products and services that you request from us;
• to provide you with information about other goods and services we offer that are similar to those that you have already purchased or enquired about;
• to provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you. If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous sale or negotiations of a sale to you. If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this.
• to contact you by telephone if you have consented to this
• to notify you about changes to our service;
• to ensure that content from our site is presented in the most effective manner for you and for your computer.

Information we collect about you

We may use this information:

• to administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
• to improve our site to ensure that content is presented in the most effective manner for you and for your computer;
• to allow you to participate in interactive features of our service, when you choose to do so;
• as part of our efforts to keep our site safe and secure;
• to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;
• to make suggestions and recommendations to you and other users of our site about goods or services that may interest you or them.

Disclosure of your information

• We may share your information with selected third parties including:
• Business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you.
• Advertisers and advertising networks that require the data to select and serve relevant adverts to you and others. We may also use such aggregate information to help advertisers reach the kind of audience they want to target (for example, women in TR1). We may make use of the personal data we have collected from you to enable us to comply with our advertisers’ wishes by displaying their advertisement to that target audience.
• Analytics and search engine providers that assist us in the improvement and optimisation of our site.

We may disclose your personal information to third parties:

• In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
• If Giraffe Equity Release or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
• If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use and other agreements; or to protect the rights, property, or safety Giraffe Equity Release, our customers, or others.

Resale or disclosure of information to third parties

Giraffe Equity Release does not sell, rent, loan, trade, or lease any personal information collected at our site, including contact forms, download requests or email lists.

Where we store your personal data

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may also be processed by staff operating outside the EEA, who work for us or for one of our suppliers. Such staff maybe engaged in, among other things, the fulfilment of your order, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. Giraffe Equity Release will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

All Information you provide to us is stored on our secure servers or third party servers. Certain sections of our site may encrypt data using SSL technology or that of a comparable standard. In the event that the data we collect is transferred to, stored and processed in a destination outside the European Economic Area (“EEA”) the information may be processed by staff operating outside of the EEA who work for us or a third party acting on our behalf. By submitting your personal data, you agree to this transfer, storing or processing of information. Giraffe Equity Release will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Cookie Policy

Last Reviewed: 18th March, 2024

What are Cookies?

Cookies are small text files placed on your device when you visit websites. They can be temporary (“session” cookies) or permanent (“persistent” cookies), first-party (set by the website you’re visiting) or third-party (set by a third-party website). Cookies enable websites to function efficiently and improve your browsing experience.

Why We Use Cookies

At [Giraffe Equity Release] (www.life-time-mortgage.co.uk), we use cookies to enhance website functionality, analyse performance, and target our advertising more effectively. The cookies that we use fall into three main types:

• Necessary and Functional: Essential for basic site operations and shopping functionalities.
• Performance and Analytics: Collect anonymised data to enhance site performance and content.
• Marketing and Tracking: Enable targeted advertising through platforms like Google Ads.

Our Cookies in Detail

Functional Cookies:

• CookieConsent: Records your acceptance of our cookie policy.

Analytics Cookies:

• _ga, _ga_HTSECXLQPT: Google Analytics cookies for tracking user interactions and collecting anonymous data.
• gid: Similar to _ga, for distinguishing users.
• _dc_gtm_UA-xxxx: Google Tag Manager cookie for loading scripts and code into a page.
• _gcl_au: Used by Google Ads for conversion tracking and ad efficiency.

Marketing Cookies:

• _fbp: Facebook pixel for tracking conversions from Facebook ads, optimizing ads, and building targeted audiences.
• _GRECAPTCHA: Google reCAPTCHA for preventing spam submissions on forms.

Managing Your Preferences

You have control over your cookie settings via the Cookiebot banner on our site, allowing you to accept or reject different categories of cookies. You can adjust your preferences anytime by clicking the Cookiebot icon (bottom left) on any page.

Retention and Analytics Data

Cookies on our site are stored for no longer than 2 years. We retain analytics data for 14 months.

Your Rights and Contact Information

For privacy concerns, data deletion requests, or if you wish to opt-out of marketing, please email us at hello@life-time-mortgage.co.uk.

You have the right to access information held about you, with any access request possibly subject to a fee for covering our costs.

Changes and Updates

Our Cookie Policy is subject to periodic review. Any changes will be communicated through our website.

Additional Resources and How to Opt Out

To manage cookies in your browser, visit your browser’s help pages.

• Opt out of Google Analytics tracking (here).
• Google’s Ad Preferences can be adjusted (here).

For further information on cookies and online privacy, please visit AllAboutCookies.org.