The Age Co Equity Release Advice Service is provided by HUB Financial Solutions. Please take the time to read the following policy carefully before using this website.

This Website is operated and provided by HUB Financial Solutions Limited, a company registered in England in Wales under registration number 05125701 and whose registered address is Vale House, Roebuck Close, Bancroft Road, Reigate, Surrey RH2 7RU.

This Website is for use by individuals based in the UK to obtain information about HUB Financial Solution's products and services. It may not be used by any other third party or commercial organisation without prior express written consent from HUB Financial Solutions.

HUB Financial Solutions Limited is authorised and regulated by the Financial Conduct Authority.

This Privacy Policy together with the Terms of Use ("Terms") govern your use of this Website. In these conditions "HUB Financial Solutions", "we", "us" and "our" means HUB Financial Solutions Limited which is part of the Just group of companies1, and "you" means the individual using our Website. This Privacy Policy sets out how we use any of your personal information collected through your use of this Website.

We will only use your personal information as set out in this Privacy Policy. 

What information do we collect?

We may collect the following information:

• Information you provide by filling in forms and using the retirement planning tools and calculators on our Website. This includes personal details that you type in and submit such as your name, address, email address and phone numbers.

• Information when you report a problem with our Website.

• If you contact us, we may keep a record of that correspondence to enable us to respond to any queries or suggestions you may raise with us.

• Your IP Address, internet browser used, time and date of access.

• Details of your visits to our Website including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access.

How do we collect information about you?

We use information held about you in the following ways:

• To ensure that content from our Website is presented in the most effective manner for you and for your computer.

• To provide you with information about our products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes.

• To carry out our obligations arising from any contracts entered into between you and us.

• To notify you about changes to our service.

Who we share the information with and your choices

We may disclose your personal information:

a) To the other companies in the Just group of companies  for the following purposes:

• comply with legal and regulatory obligations;

• for general administrative purposes, including the storage and backup of data; and

• for business and analysis purposes.

b) To third parties in the event that we sell or buy any business service or assets, in which case we may disclose your personal information to the prospective seller or buyer of such business or assets.

c) If we are under a duty to disclose or share your personal information in order to comply with any legal or regulatory obligation, or in order to enforce or apply our Terms and other agreements. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction. 

Sharing your information with the Age UK Network

Age UK Enterprises Limited trading as Age Co would like to use your personal information for marketing and research purposes and share it with other companies and/or charities within the Age UK Network. When you provide your information, you will be given the option to select your choices as to whether or not you wish to receive information from the Age Network by email, text, phone or post. You can change your marketing preferences at any time by phoning 0800 107 8977, writing to: FREEPOST Age UK Enterprises, London WC1H 9NA or emailing mailto:contact@ageuk.org.uk.

The Age UK Network includes the charity Age UK  and its trading and charitable subsidiaries and its National Partners (Age Cymru, Age Scotland and Age NI).

The Age UK Network will never sell your data and promises to keep it safe and secure. Age UK Enterprises Limited will not share any of your personal information with companies beyond the Age UK Network, unless the information is needed to help prevent fraud or they are required do to so by law.

You are entitled to receive a copy of the personal information Age UK Enterprises Limited hold about you. If you would like to receive a copy, or would like further information about, or would like to complain about the way that they use your personal information please write to FREEPOST, Age UK Enterprises London WC1H 9NA

For further information on how your information is used and stored by the Age UK Network please go to https://www.ageuk.org.uk/help/privacy-policy/

Data retention and anonymisation

Where we have provided you with a service, we will keep your personal information for as long as is necessary for the purposes described in this policy (in line with the data minimisation principle) for a maximum period of 7 years after the service has expired, after which your personal information will be deleted or anonymised in compliance with our established data protection policy.

Anonymised personal information will not be considered as personal since no individual can be identified by that information. We use anonymised information for further actuarial and business analysis, business research and reporting to help us to develop our products and services. 

Transfers of personal data outside of the EEA

Your personal data is sent to and stored on secure servers located in the UK or other countries within the European Economic Area (EEA). In the event that your information is transferred outside the EEA (e.g. because any of our advisors or service providers have IT systems located in other jurisdictions), we will ensure that your data is subject to appropriate safeguards, including relying on a recognised legal adequacy mechanism that it is treated securely and in accordance with our privacy policy. 

How we use Cookies and Web Beacons

We may obtain information about your general internet usage by using a cookie file which is stored on the hard drive of your computer or device. Cookies contain information that is transferred to your computer's hard drive. They help us to improve our Website and to deliver a better and more personalised service.

They enable us:

• To allow you to carry information across webpages and avoid re-entering of information.

• To speed up your searches. Some of our webpages may contain web beacons, which enables us in conjunction with cookies to better understand the behaviour of our Website users. We use web beacons to record the time and date of your visit to our Website, estimate our audience and size and usage pattern. We use Google Analytics, a web analytic service provided by Google, Inc. to collect anonymous, aggregated statistics to better understand our Website users and help improve usage of the Website and help improve the structure of the Website and to provide a better service to our Website users. 

Cookies we use

Below we explain the cookies we use and why.

Cookie type: .NET

Cookie name: ASP.NET_SessionId_

Purpose: This cookie is essential for the online experience to remember selections and preferences and is set upon your arrival to the site. This cookie is deleted when you close your browser.

More information: Visit the Microsoft website

Cookie type: Google

Cookie name: __utma __utmz __utmc

Purpose: These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.

More information: Visit the Google website 

Your choices with respect to Cookies and Web Beacons

You have the choice to set your browser to accept all cookies, reject all cookies, notify you when a cookie is set, and to delete your cookies periodically (each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences). Web beacons are generally used in conjunction with cookies, so if your browser is set to reject cookies, or if cookies are deleted, web beacons will be unable to track your activity as you navigate between websites. The cookies, web beacons and similar technologies on our website do not record or store your personal information.

You may refuse to accept cookies. However, if you select this setting you may be unable to access certain parts of our Website. If you choose not to block or disable cookies, web beacons or other similar technologies where you have the opportunity to do so, you consent to the uses of these technologies and the use of your personal information as described in this Privacy Policy.

For more information about cookies and web beacons, including how to manage your browser settings to accept or refuse cookies, please visit www.aboutcookies.org or www.allaboutcookies.org. 

What if you think we have incorrect information or you would like a copy of the information we hold about you?

We will provide details of any personal information held about you upon request.  If you would like a copy of this information please write to the Data Protection Officer using the contact address below. If you believe that any information we are holding on you is incorrect or incomplete, please email us as soon as possible at dataprotection@wearejust.co.uk

We will correct or update any information which is found to be incorrect as soon as possible. 

Other websites

Our Website may contain links to enable you to visit other websites of interest easily. We do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such websites and such websites are not governed by this Privacy Policy. You should exercise caution and look at the privacy statement or policy applicable to the website in question.

Information security

You should be aware that transmission of information via the internet is not completely secure. Although we try to protect your personal information, we cannot guarantee the security of your data transmitted to our Website and therefore any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Contact Information

Data Protection Officer

HUB Financial Solutions Limited

Vale House

Roebuck Close

Bancroft Road

Reigate

Surrey

RH2 7RU

ƚ Just group of Companies comprising: (Just Retirement Limited, Just Retirement Money Limited, Hub Financial Solutions Limited, Just Retirement Management Services Limited, Just Re 1 Limited, Partnership Home Loans Limited, Paying for Care Limited, Partnership Services Limited, Partnership Life Assurance Company Limited and Partnership Group Holdings Limited.)

The registered office for Just group plc (reg. no. 08568957), Just Retirement Group Holdings Limited (reg. no. 06930326), Just Retirement (Holdings) Limited (reg. no. 05078978), Just Retirement Limited (reg. no. 05017193), Just Retirement Money Limited (reg. no. 09415215), HUB Financial Solutions Limited (reg. no. 05125701) and Just Retirement Management Services Limited (reg. no. 04682458) is Vale House, Roebuck Close, Bancroft Road, Reigate, Surrey RH2 7RU. The registered office for Partnership Life Assurance Company Limited (reg. no. 05465261), Partnership Home Loans Limited (reg. no. 05108846) and Partnership Services Limited (reg. no. 05465380) is 5th Floor, 110 Bishopsgate, London, EC2N 4AY. Each company mentioned is registered in England and Wales and a member of the Just group of companies.

Just Retirement Limited and Partnership Life Assurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. HUB Financial Solutions Limited, Just Retirement Money Limited and Partnership Home Loans Limited are authorised and regulated by the Financial Conduct Authority.