Privacy Policy

This Privacy Policy explains how Compare Retirement Limited collects, uses, and protects your personal information when you use our website and services.

Our website is directed at UK residents only and complies with UK legislation, including the Data Protection Act 2018, the UK General Data Protection Regulation (UK GDPR), and applicable FCA rules.

Company details:

Compare Retirement Limited is registered in England & Wales (No. 15967370).
Registered office: 25–29 Sandy Way, Yeadon, Leeds, LS19 7EW.

We are registered with the Information Commissioner’s Office (ICO) under Registration No. ZB950827.

1. What We Mean by “Personal Information”
“Personal information” refers to any data that can identify you as an individual, such as your name, address, email address, or phone number. If we combine non-personal data with personal data, we treat the combined data as personal information.

2. Information We Collect
We may collect and process the following categories of information:
Information you provide directly:

• When you fill in forms on our website
• When you contact us by phone, email, or post
• When you register for services, request a quote, or subscribe to updates
• When you provide feedback or report a problem

This may include your name, address, email, phone number, financial details, or other information relevant to your enquiry or application.

Information we collect automatically:
When you visit our site, we may collect:

• Technical details (IP address, browser type/version, time zone, operating system)
• Website usage data (pages visited, clicks, time spent, errors encountered)
• Interaction data (e.g. live chat or form use)

Telephone calls may be recorded for training, quality monitoring, and regulatory compliance.

Information from third parties:
We may also receive information from trusted third parties such as:

• Business partners
• Payment and service providers
• Credit reference agencies
• Analytics and advertising networks

3. Cookies
We use cookies to enhance your browsing experience and understand how our site is used.
Types of cookies we use:

• Strictly necessary cookies – for site security and login functionality
• Functionality cookies – to remember your preferences
• Analytics cookies – to track site performance and usage (e.g. Google Analytics)
• Marketing cookies – to help deliver relevant advertising

You can disable cookies in your browser, but some parts of the site may not work correctly.

4. How We Use Your Information
We may use your personal data to:

• Provide quotes, arrange equity release products, and fulfil our contractual obligations
• Respond to enquiries and provide customer support
• Notify you about changes to our services
• Improve our website and tailor your experience
• Meet our legal and regulatory obligations
• Send you information about related products or services (where you have consented or where we have a legitimate interest)

5. Sharing Your Information
We may share your personal data with:

• Lenders and providers relevant to your enquiry
• Compliance auditors (currently UKGI Limited)
• Business partners, suppliers, or subcontractors supporting our services
• Regulators and authorities (e.g. the FCA or ICO), where required by law

If Compare Retirement is sold or merged, your data may be transferred as part of that transaction, but it will continue to be protected under this policy.
We will not sell your data to third parties for marketing purposes.

6. Where We Store Your Data
Your data is stored securely within the UK. We do not transfer personal data outside the UK or EEA unless appropriate safeguards are in place (such as adequacy decisions or standard contractual clauses).

All payment transactions are encrypted. While we take strong security measures, we cannot guarantee the security of information sent over the internet and you transmit data at your own risk.

7. Your Rights
Under UK GDPR, you have the right to:

• Access a copy of your personal data (Subject Access Request)
• Correct inaccurate or incomplete data
• Request erasure of your data (“the right to be forgotten”)
• Restrict or object to certain processing activities
• Request portability of your data to another provider
• Withdraw consent (where processing is based on consent)

You also have the right to object to your data being used for direct marketing at any time.

To exercise these rights, contact us at: 📧 marketing@compareretirement.co.uk

If you are unhappy with how we handle your data, you may also complain to the Information Commissioner’s Office (ICO):

• Website: www.ico.org.uk
• Email: casework@ico.org.uk
• Phone: 0303 123 1113

8. Data Retention
We retain your personal data for seven years after the end of your client relationship with us, in line with FCA record-keeping requirements. In some cases, we may need to retain data longer if required by law.

9. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be published on this page, and where appropriate, we will notify you by email. Please check back regularly for updates.

10. Contact
Questions, comments, or requests regarding this policy should be directed to: marketing@compareretirement.co.uk
Compare Retirement Limited, 25–29 Sandy Way, Yeadon, Leeds, LS19 7EW