Privacy Policy

Privacy Policy

1. Introduction

Capital for Life Ltd ("the Company," "we," or "us") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, and share your personal information when interacting with our website or using our services.

2. Data Controller

Capital for Life Ltd is the data controller and is responsible for your personal data. Our registered address is Hollowell Grange Farmhouse, Welford Road, Creaton, Northamptonshire, NN6 8NX, United Kingdom.

3. Personal Information We Collect and Why We Collect It

3.1 Site Visitation Tracking

We use Google Analytics to track user interaction on our website. This data helps us understand how visitors use our site, allowing us to improve its functionality and user experience. The information collected includes your geographic allocation, device, internet browser, and operating system. While Google Analytics also records your computer's IP address, we do not have access to this information. We consider Google to be a third-party data processor.

3.2 Our Blog

If you choose to add a comment to any of our blog posts, we will collect your name, email address, computer's IP address, and the time and date of your comment.This information is used to identify you as a contributor and will be stored pseudonymous to protect your privacy. Only your name will be displayed publicly unless you have a Gravatar account linked to your email address.

We will retain your comment and associated personal data until we remove the comment or the blog post. You can request the deletion of your comment and associated data by emailing us using the email address you provided when commenting.

3.3 Contact Forms and Email Links

When you contact us using our contact form or an email link, the data you provide will not be stored on our website or passed to third-party data processors. Instead, it will be collated into an email and sent to us securely over SMTP with TLS encryption. We will retain internet inquiries for up to 2 years, unless this is unlawful.

3.4 Email Newsletter

If you subscribe to our email newsletter, your email address will be forwarded to Hubspot, our third-party data processor. Your email address will also be stored in our database. We will send you periodic newsletter-style emails (up to one hundred a year). You can unsubscribe anytime using the links provided in the emails or by contacting our Data Protection Officer.

3.5 Collection of Leads from US Citizens

With your explicit consent, we may collect leads from US citizens and pass them to a US adviser. We will obtain your consent through a data collection form and ensure appropriate safeguards are in place for the transfer of your personal data to the United States of America.

3.6 Data Collection

We use www.scorecardapp.com to collect data.

4. Lawful Basis for Processing

We process your personal data based on the following lawful bases:

• Consent: When you subscribe to our newsletter or provide explicit consent for the transfer of your data to a US adviser.
• Contract: When processing data is necessary for the performance of a contract with you.
• Legitimate Interests: When processing is necessary for our legitimate interests, such as improving our website and services, provided those interests do not override your fundamental rights and freedoms.
• Legal Obligation: When we are required to process data to comply with a legal obligation.

5. Data Retention

We will retain your personal data only for as long as necessary to fulfil the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law. Specific retention periods are mentioned in Section 3 and ourRecord Retention Policy.

6. Third-Party Data Processors

We use third-party data processors for the following purposes:

• Marketing: Hubspot - https://legal.hubspot.com/privacy-policy
• Email: Google - https://policies.google.com/privacy
• Data Collection and Transfer: ScorecardApp - https://www.scoreapp.com/privacy-policy/
• Webflow: http://www.webflow.com/

‍7. Data Security

We implement appropriate technical and organisational measures to protect your personal data from unauthorised access, accidental loss, or damage. 

8. Your Rights

Under GDPR, you have the following rights:

• Right to Access: You have the right to request a copy of the personal data we hold about you.
• Right to Rectification: You have the right to request that we correct any inaccurate or incomplete personal data we hold about you.
• Right to Erasure: You have the right to request that we erase your personal data in certain circumstances.
• Right to Restrict Processing: You have the right to request that we restrict the processing of your personal data in certain circumstances.
• Right to Data Portability: You have the right to request that we transfer your personal data to another organisation in certain     circumstances.  

To exercise any of these rights, please contact our Data Protection Officer.

9. International Data Transfers

We may transfer your personal data to countries outside the UK and the European Economic Area (EEA). We will ensure that appropriate safeguards are in place to protect your personal data, such as Standard Contractual Clauses or other approved mechanisms.

10. Data Breaches

In the event of a data breach that compromises your personal data, we will notify you and the relevant supervisory authority (the ICO) within 72 hours, unless the breach is unlikely to result in a risk to your rights and freedoms.

11. Cookies

We use cookies on our website to improve your browsing experience and analyse website traffic. You can manage your cookie preferences through your browser settings.

12.Children's Data

Our website is not intended for children under the age of 16. We do not knowingly collect personal data from children. If you believe that we have collected personal data from a child without parental consent, please contact us, and we will take steps to delete the information.

13. Changes to Our Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting a prominent notice on our website or sending you an email. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your personal data.

14. ContactUs

If you have any questions about this Privacy Policy or our data practices, please contact our Data Protection Officer:

• Name: Carlton Crabbe
• Email: carltoncrabbe@capitalforlife.com

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LastUpdated: 15th August 2024