Read about how a customers data is handled below...
Life-cover.com is a trading name of Egouk ltd. This website is owned and provided by Egouk Limited (registered in England and Wales with company number 651949) whose registered address is at Egouk Ltd, 40 Lickey Coppice, Cofton Hackett, Birmingham, B45 8PQ. In addition to this we are also regulated by the Information Commissioner's Office under the Data Protection Act 1998, licence number Z3533362.
How we may contact you
Unless you state otherwise to us, lenders, third parties and other brokers (see further section on 'How we keep you informed') may contact you via telephone, email, post, sms, automated messages or fax.
How you contact us
If you are required to telephone us using the specified telephone numbers on our website or advertising/marketing/correspondence material then your call may be recorded for training, quality and regulatory purposes. We pride ourselves in complete customer care and this gives us the opportunity to continuously improve and monitor our customer experience.
How we keep you informed
The information/data that we would normally collect from you is as follows: Name Residential address Residential status Date of birth National insurance number Email address (if applicable) Telephone number (home, mobile, work) Income details Details of bank account
What you do on our website; the results of this will be used to show Life-Cover.com examples of which parts of our website are most and least used (please refer to 'Cookies' paragraph).
However if you register with us, have a question about our services or alternatively choose to send an email to enquiries@Life-Cover.com. We may also collect the above personal information/data in this instance in order for us to respond to your enquiry. We may also receive personal information/data from 3rd parties, which enables us to offer Identified potential customers products and services who have expressed interest in our products and services. Any information/data obtained from 3rd parties is checked in regards to accuracy and we will endeavour to check your information with you on occasion. Ensuring your personal details & or preferences are kept up to date
It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so we can ensure it is corrected. If you require your preferences to be updated then please contact our Compliance Manager as soon as possible (details set out below within 'Contact' paragraph).
How we use your Personal Information
Information that is collected by us Life-Cover.com may be used by us in the following ways and will be recorded electronically: Verify customers identity and credit standing and to enable us to consider and process your application for a loan or other products or services. Assess your credit history and confirm your employment details. Collect unpaid loans and debt that may be owed by you to us. Extract certain information for the purpose of generating statistics for our own internal purposes (including credit and/or behaviour scoring, and market and product analysis). Detect, prevent and investigate actual and potential fraud and related activities. Develop, manage and market products and services to meet our customer's needs and to contact customers for products and services that may be of interest, to determine your eligibility for different products and services that our customers may be interested in.
Contact you in connection with your enquiry.
Update this website to better meet our client's needs in the future. Help Life-Cover.com to carry out admin and service your account. As some of our affiliates who form part of our group are based outside of the UK then we may use your information outside the UK. If we do use your information outside the UK then we have established levels of protection to ensure that your information is safeguarded.
Do we share your information with third parties
To assist in finding you a loan, as we are a finance broker. As our services are often provided in conjunction with other partners. To assist you in finding a product/service we would need to provide these partners with your information in order for us to help you.
Our staff and agents will require your information in order to carry out a service for you on behalf of us.
If you wish to be provided with details of special offers and promotions, we outline this in the section called 'How we keep you informed'. In order to protect our business along with our group of affiliated companies and possible others. Your information may be shared with third parties when we believe it is necessary to comply with the law or protect our rights or another person's rights, property, or in fact safety. We may need to exchange information with third parties i.e. law enforcement agencies, regulatory bodies other lenders, if this is the case it will protect us against fraud and also reduce any risks exposed to.
If the occasion arises whereby our company changes ownership or assets, then the new proprietors will need access to your information in order to continue with operations and to run the company effectively. This would cover shareholders and other companies where the agreement of transfer has been established.
Confidentiality & security
Life-Cover.com recognises the importance of keeping personal information/data from a confidentiality and security aspect; due to this we have introduced specialised rules, measures, introduced specialist technology and implemented security policies to ensure that your information is protected. Whilst we make every attempt to protect your information there are still risks involved when inputting your information online and we need to make you aware of this. We would also confirm that any and all such third-parties that we share you data with are bound by contract to maintain the security and integrity of your Personally Identifiable Information. As such we would only request further sensitive information online in certain circumstances so please refrain from inputting sensitive information unless we state otherwise to do so. Please be advised that, although Life-Cover.com takes all reasonable precautions to protect your data, no data storage or data transmission security is guaranteed. Accordingly, Life-Cover.com cannot, and does not, represent, warrant, or guarantee the complete security of any data storage or data transmission. You agree that your access to and use of this Site and your use of Life-Cover.com` services - which necessarily includes data storage and data transmission - are done at your own risk.
Can you access the information we hold about you
Yes under certain circumstances you will be able to access the records we hold about you, if you request this information then we ask that you submit your request in writing to us along with a fee for £10. If you require information from separate affiliates within our group then you will be required to request each in writing and pay separate fees for each request. How long do we keep your information for
The amount of time we hold your information depends on the basis it was provided by you to us, please see the following examples:
If you request that we do not contact you for advertising and marketing reasons, then we still may need to keep your information as this would reflect your preferences.
Information is also kept relating to any transactions you may enter via our website, this information will be kept for a minimum of 6 years which will commence at the end of the relationship. We are required to do so to ensure that if any disputes or complaints are raised then we have your information to enable us to address the complaints or disputes. Your information will be kept however purely for business needs.
In order to provide you with a service we will be required to keep your information whilst we continue to provide you with a service for however long this may take us.
Another reason for us to keep information about you is for legitimate business needs where relevant so we can comply with what the law states.
Usage of links to other sites
Processing of sensitive information
Should we be required to process your sensitive information, then we will notify you and seek your agreement prior to us doing so. Sensitive information about our customers under the Data Protection Act 1998 includes the following:
Health conditions Racial or ethnic origin Political opinion or trade union membership Sexual orientation Philosophical beliefs Religious beliefs Suspected or proven criminal activity (which includes proceedings)
How to find & control your cookies, see as follows:
Internet Explorer 6.0 or 7.0 Choose tools Internet Options Click the privacy tab Click on the 'Advanced' button Check the 'Override automatic cookie handing' box and select Accept, Block or Prompt for action appropriate. Mozilla Firefox Choose tools Options Privacy Cookies Set your options as require Safari Choose Safari Preferences Security Select options by accept Cookies as required Opera 8+ Choose Tools Preferences Advanced Select Cookies Select your settings using the available options
Internet Explorer Choose tools Internet Options Click the General tab Click Settings View Files Mozilla Firefox Choose tools Options Privacy Cookies Click the Show Cookies button Safari Choose Safari Preferences Security Click Show Cookies button Opera 8+ Choose tools Advanced Click Cookies
How to see your cookie code, simply click on a cookie to open and view it. There will be displayed a string of numbers and text. The numbers will represent your identification card, be assured that this can only be seen by the server that allocated you the cookie. Additional cookies information - The Interactive Advertising Bureau is an industry body that has produced a series of web pages which explain how cookies work and how they can be managed.