The savings you never knew you had
Responsible Equity Release is a trading style of Responsible Life Limited. Responsible Life Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (http://www.fsa.gov.uk/register/home.do) under reference 610205.
This is a Lifetime mortgage which may reduce the value of your estate and may affect your entitlement to state benefits. To understand the features and risks ask for a personalised illustration.
Any information contained herein is a personal opinion of the author and should not be considered to be advice of any kind. Inheritance Tax planning is not regulated by the FCA. Think carefully before securing other debts against your home. By consolidating your debts into a mortgage you may be required to pay more over the entire term than you would with your existing debt.
Only if you choose to proceed and your case completes will Responsible Life Limited charge an advice fee, currently not exceeding £1,490. Our adviser will talk through the setting up costs of a lifetime mortgage before you make any decision to proceed.
Registered Office:
Unit 8, ABC Killinghall Stone Quarry, Ripon Road, Harrogate, HG3 2BA. Registered in England & Wales. Company number 7162252.
Head Office:
Units 11-21, Mills Bakery, Royal William Yard, Plymouth, PL1 3GE, UK
Consumer Credit Licence:
0637675
Data Protection Registration Number:
Z227852X
We collect information from you when you register on our site, subscribe to our newsletter, respond to a survey or fill out a form.
When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address, phone number or Property Value, Outstanding Secured Debt, Age. You may, however, visit our site anonymously.
'You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 1998. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.'
Any of the information we collect from you may be used in one of the following ways:
To personalize your experience
your information helps us to better respond to your individual needs)
To improve our website
(we continually strive to improve our website offerings based on the information and feedback we receive from you)
To improve customer service
(your information helps us to more effectively respond to your customer service requests and support needs)
To process transactions
Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.
To administer a contest, promotion, survey or other site feature
To send periodic emails
The email address you provide for order processing, may be used to send you information and updates pertaining to your order, in addition to receiving occasional company news, updates, related product or service information, etc.
Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.
How do we protect your information?
We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information.
We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Database to be only accessed by those authorized with special access rights to our systems, and are required to?keep the information confidential.
After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be stored on our servers.
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.
This website uses a Web Analytics Service called ClickTale Ltd to improve customer experience. Your data and information will be processed in accordance with the following Privacy Policy: The following privacy policy specifies ClickTale's privacy practices in respect to the data and information it receives from Website owners and/or operators ("ClickTale Clients") that use the ClickTale customer experience analytics software (the "Software"). The Software enables ClickTale Clients to record interactions of its visitors on their Website and to receive aggregated reports containing various analyses derived from such recordings. In this Privacy Policy references to "we", "us" and "our" are to ClickTale Ltd. "Visitors" shall mean visitors to the ClickTale Clients Websites that use the Software. 1. Information Received through Use of Software When a ClickTale Client uses the Software on its Website, Clicktale may receive certain information including: Technical information of a Visitor's computer such as browser type, system language, OS version, time zone and screen resolution metrics. The pages within the specific Website that a Visitor has visited and the URLs of the web pages that referred the Visitor to the ClickTale Client Website. How a Visitor has interacted with the Website, including, any Visitor mouse movements, scrolls and mouse clicks. Any keystrokes performed by a Visitor in fields that are not marked as "sensitive" by the ClickTale Client. As a result, while ClickTale strictly prohibits ClickTale Clients from using the Software to collect ANY personally identifiable information, if a ClickTale Client breaches such obligation then such information may be received by ClickTale. Session information stored in cookies that are used to ensure accurate data is extracted from our systems. These cookies do not include any personal data. 2. What information the Software does NOT collect The Software does not collect any information about other programs that Visitors are running on their computer. The Software does not assign a global unique identifier to any Visitor. The Software will not collect any passwords entered into a Website. IP addresses are not stored. In addition We strictly prohibit ClickTale Client's from collecting any personally identifiable information of Visitors to its Website through the Software. ClickTale Client's are required to mark any areas of its Website where personally identifiable information may be provided as "sensitive" so that the Software does not collect any information provided in such areas. 3. How we treat, protect and use the information and data Any information we receive will be used by Clicktale (i) in accordance with applicable laws; and (ii) only on a completely anonymous basis, in the aggregate, in order to perform web surfing analysis and statistical reports and for auditing, research and analysis to operate and improve ClickTale technologies and services. We shall not disclose the information received through use of the Software to any third party except as follows: To provide ClickTale Clients with raw or aggregate reports regarding Visitor interactions on their website, that may include for example: aggregate reports of clicking or mouse movement activity, aggregate reports of scrolling activity and recreation of visitor browsing sessions; We may share certain pieces of aggregated, non-personal information, such as average page load time, or the number of pages processed by our system per day. If required in limited circumstances, including, when complying with legal requirements, preventing fraud or imminent harm, and ensuring the security of our network and services. We use security measures that are in accordance with general industry standards to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where we store data. We restrict access to information collected by ClickTale Client's through use of the Software to a limited number of ClickTale employees, contractors and agents who need to know that information in order to operate, develop or improve our Software and services. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations. 4. Opt Out and Contact We provide all ClickTale Clients with an option (or requirement when required by applicable law) to publish on their Website a link (http://www.clicktale.net/disable.html) for Visitors to exclude themselves from monitoring by the Software. Any Visitor who wishes to exclude themselves may click on the link to opt out. When we receive formal written complaints posted using our contact form, it is ClickTale's policy to contact the complaining user regarding his or her concerns. We will cooperate with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that cannot be resolved between ClickTale and an individual. 5. Policy Modifications We may change this Privacy Policy from time to time. If and/or when ClickTale makes changes to this Privacy Policy, the updated version will be posted on this page. We encourage you to visit this page periodically.
This online privacy policy applies only to information collected through our website and not to information collected offline.
By using our site, you consent to our online privacy policy.
If we decide to change our privacy policy, we will post those changes on this page.
If there are any questions regarding this privacy policy you may contact us using the information below.
http://www.responsible.org.uk