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Privacy Policy

Last Updated on 23/01/2021

LVP only collects personal data via this website in order to provide the information or services you request via cookies and sessions. By using any of our services and/or LVP ("Site", "Website") you automatically accept to be governed by this Privacy Policy.

 

Cookie (definition): a small file which we send to your computer. This file is then stored on your browser or hard disk. By storing the cookie on your computer we are able to recognise you when you visit our site.

Anonymous Data Collection

Some 'anonymous' data is collected. For calculations or the Decision in Principle, we need information such as date of birth, home address and phone number. Other anonymous data such as IP addresses, browser types, pages visited and time spent on our site is also collected to help us understand how people are using the website so that we improve its efficiency. Please see below for more information on the data we collect and 'cookies'.

E-Mail Communications

Open emails are not secure. Third parties could intercept, view or alter information you send via email. LVP is not responsible for and cannot accept liability for any damage resulting from email messages sent to or received by us. If you send us an email, please keep confidential information to a minimum. We, in turn, will use our security procedures to check your identity before giving out information about your account.

Downloads

Any software and/or documentation from LVP is downloaded at your own risk. If you are unsure about the suitability of software and/or documentation to be downloaded from this website, please obtain specialist advice before downloading.

Up-to-Date Product Information

In order to view the most up-to-date information on our products and services, you may need to clear your browser's cache.

Privacy Statement in Relation to 'Cookies'

A 'cookie' is a small file which we send to your computer, and which is stored on your browser or hard disk. It allows us to recognise you when you visit the site. It also helps us to recognise your preferences so that we can improve our internet service to you. The ‘cookies’ we use include ‘targeting cookies’ to help make sure the adverts you see on your screen are relevant and useful to you. The 'cookie' does not include personal information such as your name, so your privacy is protected.

Most web browsers automatically accept cookies, but if you would prefer cookies not to be used, you may be able to set your browser to prevent you from receiving new cookies, notify you before accepting cookies or disable cookies altogether (click "Help" in your browser menu for your browser manufacturer’s instructions). By deleting our cookies or disabling future cookies you will still be able to use most of the features on this website.

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Data We Collect About You

Personal data collected, used, stored and transferred by us may include:

  • Identity Data including forenames, last name, maiden name, date of birth, gender, marital status, and username or similar identifier
  • Contact Data including home address, email address and telephone numbers
  • Financial Data including banks statements, payment card details, savings, debts such as loans and credit cards, income & expenditure, employer & pension benefits, and other assets
  • Special Category Data specifically medical history
  • Transaction Data including payments made for products and services you have purchased from us
  • Technical Data including internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices used to access the Mortgage Advice Bureau website
  • Profile and Usage Data including purchases made by you, feedback and survey responses, and how you use our website, products and services
  • Marketing and Communications Data including your preferences in receiving marketing from us and our business partners and your communication preferences

How We Collect Data About You

Personal data is collected by us using the following methods:

  • Direct interactions with an adviser in person, by post, phone (including call recordings and voicemail), email, videoconferencing or otherwise when sourcing and applying for mortgage or protection products, processing Identity, Contact and Financial categories of personal data.
  • Automated technologies or technical interactions with our website, via the customer portal, by using the web enquiry form, processing Identity, Contact, Financial and Technical categories of personal data.
  • Third parties or publicly available sources (processing Identity, Contact and Financial categories of personal data) such as:Estate agents with whom you may be interacting, but only with your consent;
  • New home builders, as a legitimate interest of the builder in order to assess affordability for the property;
  • Enquiries you may perform on third-party mortgage sourcing websites

Who We Disclose Data To

Your personal data may be shared with third parties for the following purposes:

Within LVP
Depending on your requirements, it may be necessary to share your personal data with LVP’s network and specialist product providers in order for suitably qualified advisers to source relevant products and services or to re-engage with existing clients.

Solicitors and Protection Product Suppliers
To source and submit applications in order to conclude the contract for the legal services / protection applications and the ongoing servicing of these contracts.

External Suppliers
Specialist IT system providers to deliver our service to you (including sourcing of products, providing continuing advice, sharing of documentation, payment processing, informing you about relevant products and services, service & advice quality checking and improvements, and to request feedback on customer service standards). It may also be necessary to share your personal data with non-affiliated companies who perform support services on our behalf including those that provide professional, legal or accounting advice to LVP.

Solicitors / Conveyancers 
To update the firm of solicitors / conveyancers with whom you are interacting about the progress of your application and confirm your identity / proof of deposit.

Licensed Credit Agencies.
For the purposes of confirming your identity to comply with Anti Money Laundering requirements ( TransUnion data processing information can be found in the privacy notice on the www.callcredit.co.uk website); to perform a credit assessment to assess your eligibility.

Regulators
Sharing of information may be necessary to fulfil our legal obligations as a regulated profession, for example with the Financial Conduct Authority, to verify your identity and comply with Anti Money Laundering legislation, and otherwise co-operate with law enforcement, legal proceedings or regulatory authorities.

Others
Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice.

These companies are required to ensure appropriate security measures are in place and maintain the confidentiality of your personal data, and to use your personal data only in the course of providing such services and in accordance with LVP instructions.

How Long We Hold Data

We only retain your personal data for as long as necessary. After these retention periods if there is no other on-going client relationship your personal data will either be securely deleted or anonymised so that it can be used for statistical purposes but without any method of identifying you individually.

Your Data Rights

As part of this policy you have rights to:

  • Request Access
  • Request Correction
  • Request Erasure (Where Applicable)
  • Object to Processing (Where Applicable)
  • Request Transfer (Where Applicable)
  • Withdraw Consent

Clients who reside within the European Union retain their data subject rights under the EU General Data Protection Regulation. EU-based clients with queries regarding how LVP processes their data can contact our customer support by e-mailing help@lvp.co.uk.

Questions?

If you have any questions or complaints relating to how we use your personal data, or if you wish to exercise any of your rights regarding your personal data, please contact our customer support by e-mailing help@lvp.co.uk. We will respond to you as soon as is possible. The length of time will depend on the type and complexity of the request, but you will receive a response no later than one month from the initial request.

Life Value Protection, LVP and LVP.co.uk are trading names of Shoppable LTD.
Privacy Policy | Terms of Use and Service
Registered Company Number: 10554784. Registered Address: Holmoak House, Stuppington Court Farm, Merton Lane, Canterbury, Kent, CT4 7BP, United Kingdom of Great Britain and Northern Ireland.
Data processed in accordance with our Privacy Policy & Terms of Use and Service in accordance with additional policies from Cozy and/or Online Shop.
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