Our Privacy Policy

This policy outlines how My Inc Ltd T/A MY-Later Life Planning uses and safeguards the information you provide when using this website and services. We are dedicated to ensuring your privacy is protected. Any identifiable information requested will only be used by this privacy statement. This policy may be updated periodically, so please check this page to stay informed of any changes. The policy has been effective since 26/04/25.

Information We Collect

We currently collect and process the following information:

• Personal identifiers, contacts, and characteristics (e.g., name and contact details).
• Financial information (for the purpose of combating fraud and money laundering).
• Contact information, such as your email address, is collected via our secure Content Management System (CMS).

This information is collected on a 'contractual' basis to assist us in providing you with our equity release service.

How We Receive Information

We also receive personal information indirectly from the following sources in the following scenarios:

Lenders: Will provide us with the necessary information to assist in providing advice, establishing lending products, or ongoing servicing of our customers.

Insurers: Will provide us with the necessary information to assist in providing advice, establishing insurance products, or ongoing servicing of our customers.

Use of Collected Information

We require the information we collect to:

• Maintain internal records.
• Improve our products and services.
• Periodically send promotional emails about new products, special offers, or other relevant information (if you have provided consent).
• Contact you for market research purposes.
• Customise the website to your preferences.

Who We Share Your Information With

We may share your information with:

• Lenders (specific lenders approached will be disclosed during the advice process).
• Insurance companies (specific insurers approached will be disclosed during the advice process).
• Regulatory bodies include the Financial Conduct Authority, the Information Commissioner’s Office, and other law enforcement bodies.
• Customer Relationship Management and Product Sourcing Systems for processing your data.
• Email marketing services (such as Brevo, Zoho, or MailChimp) for newsletters.

We will not sell, distribute, or lease your personal information to third parties without your consent unless required by law.

Lawful Basis for Processing

Under the General Data Protection Regulation (GDPR), the lawful bases we rely on for processing this information are:

• Contractual obligation
• Legal obligation
• Legitimate interest

How We Store Your Information

Your information is securely stored in electronic format using our customer relationship management system, The Key, as well as our secure Content Management System (CMS). We implement appropriate physical, electronic, and managerial measures to secure your information and prevent unauthorised access or disclosure.

We retain your information for as long as necessary to fulfil our regulatory and legal responsibilities. This means that we will retain your information for as long as you can legally file a complaint or as long as we have a legal obligation to do so under Anti-Money Laundering legislation. We then dispose of your information by permanently deleting it from our files.

Your Data Protection Rights

Under data protection law, you have certain rights, including:

• Your right of access: You have the right to ask us for copies of your personal information.
• Your right to rectification: You have the right to ask us to rectify personal information you think is inaccurate or incomplete.
• Your right to erasure: You have the right to ask us to erase your personal information in certain circumstances.
• Your right to restrict processing: You have the right to ask us to restrict the processing of your personal information in certain circumstances.
• Your right to object to processing: You have the right to object to the processing of your personal information in certain circumstances.
• Your right to data portability: You have the right to ask us to transfer your personal information to another organisation or to you in certain circumstances.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond. Please get in touch with us via: dpo@therightmortgage.co.uk.

Email Newsletters

If you join our newsletter, your email will be submitted to Brevo, Zoho, or Mail Chimp, which comply with GDPR legislation and are EU-U.S. Privacy Shield compliant. Your email will remain in their secure databases while we use their services or until you request removal. If you are under 16, parental consent is required to join. You can unsubscribe using the links in our emails or by contacting us directly.

Cookies

Our website may place and access certain first-party cookies on your computer or device. These cookies are:

• Used to facilitate and improve your experience of our site.
• Used for analytics purposes via Google Analytics to understand website usage and improve services.

Cookies do not provide access to your computer or any personal information except what you choose to share. You can accept or decline cookies via your browser settings, but declining may limit website functionality.

Links to Other Websites

Our website may contain links to external websites. We are not responsible for their privacy practices. Please review the privacy statements of those websites. This privacy statement governs links to our sites.

How to Complain

If you have concerns about our use of your personal information, you can complain by contacting us directly at: dpo@therightmortgage.co.uk

You can also complain to the Information Commissioner’s Office (ICO):

Address: Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
ICO Helpline number: 0303 123 1113
ICO Website: http://www.ico.org.uk

Changes to This Privacy Policy

We may update this Privacy Policy occasionally (e.g., if the law changes). Any changes will be immediately posted on our site. Your continued site use after changes are posted indicates your acceptance of the updated terms.