Website Privacy Notice

This privacy notice explains how Retirement Solutions (UK) Ltd collects, uses, stores and protects your personal information when you use our website, contact us, make an enquiry, use our services, or otherwise provide information to us.

Please read this notice carefully so you understand how we use your personal information and what rights you have.

Who we are

Retirement Solutions (UK) Ltd is authorised and regulated by the Financial Conduct Authority. Our FCA registered number is 483817.

Our registered office is:

Company number: 06437737

In this privacy notice, “we”, “us” and “our” means Retirement Solutions (UK) Ltd.

Contact details

Please contact us if you have any questions about this privacy notice or about the personal information we hold about you.

You can contact us using the details below:

By post:
Retirement Solutions (UK) Ltd
Metropolitan House
Station Road
Cheadle Hulme
Cheshire
SK8 7AZ

By telephone:
0161 485 3401

By email:
[email protected]

What information do we collect?

We may collect personal information that you provide to us directly, including when you:

• fill in forms on our website;
• use our equity release calculator or eligibility tools;
• request a call back, appointment, valuation, guide or other information;
• correspond with us by telephone, email, SMS, post or otherwise;
• subscribe to our services or marketing communications;
• provide information during an advice, enquiry or customer service process;
• report a problem with our website or services; or
• interact with us through social media, surveys, promotions or other communications.

The personal information we collect may include:

• your name;
• address;
• email address;
• telephone number;
• date of birth or age;
• property information;
• financial information;
• details about your mortgage, borrowing, income, expenditure or assets;
• information about your personal circumstances and objectives;
• communication preferences;
• records of communications with you;
• information needed to meet legal, regulatory and compliance obligations.

In some circumstances, we may collect information that is classed as special category data under data protection law. This may include health, lifestyle or vulnerability-related information where it is relevant to the services you have requested, your circumstances, or the suitability of advice or support provided to you. Where required, we will ask for your explicit consent to collect and use this information.

Mobile and SMS information

No mobile information will be shared with third parties or affiliates for their own marketing or promotional purposes.

Information sharing with subcontractors who support our services, such as customer service or technology providers, is permitted where necessary for us to provide our services. Text messaging originator opt-in data and consent will not be shared with third parties for their own marketing purposes.

We may use your phone number to send you SMS notifications, alerts and marketing communications relating to our products and services. The frequency of these messages may vary. Message and data rates from your mobile carrier may apply.

To stop receiving SMS messages, you can reply STOP to any SMS message you receive from us. We may also contact you by telephone to discuss your enquiry or the services you have requested.

We will retain your phone number and communication preferences in accordance with this privacy notice and applicable laws.

Information we collect automatically when you use our website

When you visit our website, we may automatically collect certain technical and usage information, including:

• your internet protocol address;
• browser type and version;
• time zone setting;
• browser plug-in types and versions;
• operating system and platform;
• information about your visit, including pages viewed, time spent on pages, clicks, scrolling, page interaction information, download errors and browsing behaviour;
• referring websites or links;
• information about how you interact with forms, tools and content on our website.

This information helps us operate, secure, monitor and improve our website and services.

Information we receive from other sources

In the course of our business, we may receive information about you from other sources, where lawful and appropriate. This may include information from:

• affiliated websites or services we operate;
• business partners;
• professional advisers;
• product providers;
• compliance, legal, accountancy or regulatory support providers;
• advertising networks;
• analytics providers;
• search information providers;
• identity verification or financial crime prevention providers.

Where we receive information from third parties, we will only use it where we have a lawful basis to do so.

Why we collect and use your personal information

We collect and use your personal information so that we can:

• respond to your enquiries;
• provide information, products and services you have requested;
• assess your needs and circumstances;
• arrange appointments or follow-up calls;
• provide equity release, mortgage, retirement planning or related services;
• manage and administer customer relationships;
• communicate with you about your enquiry, account, application or service;
• send you important service, regulatory or administrative information;
• improve our website, products, services and customer experience;
• personalise your experience where appropriate;
• provide customer support;
• handle complaints and disputes;
• comply with legal and regulatory obligations;
• prevent, detect and investigate fraud, financial crime, security breaches or other unlawful activity;
• carry out marketing, analysis and market research where permitted by law.

Our lawful bases for processing your personal information

We will only use your personal information where we have a lawful basis to do so. Depending on the circumstances, our lawful bases may include:

Performance of a contract

We may need to process your personal information to provide services you have requested, to take steps before entering into a contract with you, or to perform a contract we have with you.

Legal and regulatory obligations

We may need to process your personal information to comply with legal, regulatory, financial crime, record keeping, reporting or other obligations that apply to us.

Legitimate interests

We may process your personal information where we have a legitimate business interest, provided Link Anything Need Help your interests, rights and freedoms do not override those interests.

This may include processing information to:

• respond to enquiries;
• manage customer relationships;
• improve our services;
• keep appropriate records;
• prevent fraud;
• maintain website and system security;
• understand the effectiveness of our advertising and marketing;
• contact existing customers or enquirers about similar products or services, where permitted by law;
• defend or establish legal claims.

Where we rely on legitimate interests, we will consider and balance any potential impact on you.

Consent

We may rely on your consent in certain circumstances, including where we need your consent for specific marketing communications or for processing special category data.

Where we rely on consent, you can withdraw your consent at any time. Withdrawing consent will not affect the lawfulness of processing carried out before consent was withdrawn.

Special category data

Where we process special category data, such as health or vulnerability-related information, we will only do so where a valid lawful basis and a specific condition under data protection law applies. This may include your explicit consent, legal obligations, or where processing is necessary for the establishment, exercise or defence of legal claims.

Marketing communications

We may use your personal information to provide you with marketing communications, including information about our products and services, interest rates, loan-to-value updates, new product updates, further advance opportunities, remortgage opportunities, guides, resources or other information that may be relevant to you.

We will only send marketing communications where permitted by law. This may be where you have consented, where you are an existing customer, or where you have previously enquired about similar products or services and have not opted out.

You can opt out of marketing communications at any time by:

• clicking an unsubscribe link in an email;
• replying STOP to an SMS message;
• contacting us using the contact details in this privacy notice.

We will not sell your personal information to third parties for marketing purposes.

Who we share your personal information with

We may share your personal information where necessary and lawful with:

• product providers;
• lenders;
• professional advisers;
• compliance consultants;
• legal advisers;
• accountancy advisers;
• technology providers;
• customer service providers;
• marketing service providers;
• analytics providers;
• identity verification and financial crime prevention providers;
• regulators and supervisory authorities;
• law enforcement agencies where required;
• other third parties where necessary to provide services you have requested or to meet legal and regulatory obligations.

Where third parties process personal information on our behalf, we will have appropriate contractual arrangements in place requiring them to keep your information secure and to act only on our instructions.

Where it is necessary to transfer personal information, we will use appropriate security measures, which may include encryption, password protection or secure transfer methods.

How we protect your personal information

We use appropriate technical and organisational measures to protect your personal information against unauthorised access, loss, misuse, alteration or disclosure.

These measures may include:

• secure systems and servers;
• access controls;
• confidentiality obligations;
• staff training;
• secure communication methods;
• encryption or password protection where appropriate;
• monitoring and review of security procedures.

Although we take appropriate steps to protect your personal information, transmission of information over the internet is not completely secure. Any information you send through our website is sent at your own risk. Once we receive your information, we use procedures and security features designed to prevent unauthorised access.

Cookies

Yes, we use cookies.

Cookies are small files placed on your device when you visit our website. Some cookies are necessary for the website to work properly. Others help us understand how visitors use our website, improve our services, personalise content, and tailor marketing or advertising.

Where cookies are not strictly necessary, we will ask for your consent before using them.

For more information about how we use cookies, please read our Cookie Policy.

How long we keep your personal information

We will not keep your personal information for longer than is reasonably necessary.

How long we keep your information will depend on the type of information, the purpose for which it was collected, and any legal, regulatory, contractual or legitimate business reasons that apply.

In some cases, we may need to keep personal information for minimum periods to comply with regulatory or legal obligations. We may also retain information where it may be needed to establish, exercise or defend legal claims.

You have the right to request deletion of your personal information. We will comply with such requests where required to do so, subject to any legal, regulatory or legitimate business reasons that require us to retain the information.

Your rights

Under data protection law, you have rights in relation to your personal information. These include:

• the right to be informed about how we use your personal information;
• the right of access to your personal information;
• the right to have inaccurate personal information corrected;
• the right to request deletion of your personal information;
• the right to restrict processing of your personal information;
• the right to data portability;
• the right to object to processing;
• rights in relation to automated decision-making and profiling;
• the right to withdraw consent where processing is based on consent;
• the right to complain to the Information Commissioner’s Office.

These rights may be subject to certain exemptions or limitations.

If you wish to exercise your rights, please contact us using the contact details in this privacy notice.

Links to other websites

Our website may contain links to and from third-party websites, including partner networks, advertisers, affiliates, professional bodies or other organisations.

If you follow a link to any third-party website, please note that those websites have their own privacy notices and policies. We are not responsible for those websites or how they use your personal information. Please check their privacy notices before submitting any personal information to them.

How to make a data protection complaint

If you have any concerns about how we use your personal information, you have the right to raise a data protection complaint with us using the contact details above.

You do not need to follow a specific process or use particular wording. You can raise a complaint through any of our usual contact channels, including email, telephone or post.

We will:

• acknowledge your complaint promptly and, in any event, within 30 days of receiving it;
• investigate your complaint and respond without undue delay; and
• keep you informed where appropriate.

Further details of our complaints process are available on request.

If you are not satisfied with our response, you have the right to escalate your complaint to the Information Commissioner’s Office.

The Information Commissioner’s Office contact details are:

Helpline: 0303 123 1113
Website: https://www.ico.org.uk/make-a-complaint

Changes to this privacy notice

We may update this privacy notice from time to time. Any changes will be posted on this page.

Please check this page regularly to ensure you are aware of any updates or changes.

Last updated: 19th June 2026