Privacy Policy and Terms & Conditions

TERMS OF WEBSITE USE
Life Cover for All welcomes you to the www.lifecoverforall.co.uk website (our site). These terms of use together with our privacy policy [see below] set out the terms of use on which you may make use of our site. Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.
Our site is intended for use by UK based financial intermediaries only and much of our site is only accessible to our clients. The use of the IFA Zone only areas of our site are governed by these terms of use and the service agreements each client is required to sign when they join Life cover for All. By signing the service agreement you will be deemed to have accepted these terms of use before being permitted to access any such areas.
Access to some facilities on our site, such as the IFA Zone & Quote section, may require you to provide us with personal details about yourself. By submitting your CV and providing us with your details you will be deemed to have accepted these terms of use. If you do submit any personal data you should read our privacy policy below.
If you have provided any personal details and those details subsequently change, you should notify us by e-mailing info@lifecoverforall.co.uk
INFORMATION ABOUT US
Life Cover for All LLP (we) are a limited liability partnership registered in England and Wales under number OC359631and is an Appointed Representative of Access Wealth Management registered office is at Station House, Station Road, Wylam Northumberland, NE41 8HR , which is authorised and regulated by the Financial Services Authority
If you need to contact us please write to us at the above address or send an e-mail to info@lifecoverforall.co.uk.
ACCESSING OUR SITE
Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.
We restrict access to some parts of our site to our clients and, from time to time, we may change the restricted areas or restrict access to the entire site.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.
You are responsible for making all arrangements necessary for you to have access to our site.  You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them. 
INTELLECTUAL PROPERTY RIGHTS
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it.  Those works are protected by copyright laws and treaties around the world.  All such rights are reserved.
Non-clients may print off one copy, and may download extracts, of any page(s) from the public areas of our site for personal reference and draw the attention of others within their organisation to material posted on our site.
Non-clients must not modify the paper or digital copies of any materials that they have printed off or downloaded in any way, and must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. 
Non-clients must not use any part of the materials on our site for commercial purposes unless they have obtained a licence to do so from our licensors or us.
The materials and information available in the client only area of our site shall form part of the service which we provide to our clients pursuant to their service agreement. Clients may use the materials available in the client only areas in strict accordance with their service agreement.
Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.
If you print off, copy or download any part of our site in breach of these terms of use and/or your service agreement, as the case may be, your right to use our site and any related materials will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
OUR SITE CHANGES REGULARLY
We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material but we shall endeavour to make you aware of when the material was originally posted and last updated.
INFORMATION ABOUT YOU AND YOUR VISITS TO OUR SITE
All information received by us from you and/or your use of our site will be used in accordance with our privacy policy [see below].
We respect the personal information provided by you. We will only transfer this information in accordance with our privacy policy and as may be required to provide services to you.
In relation to our recruitment service we accept no responsibility for either the hirer or the jobseeker and we have no authority as an employment agency and do not effect introductions between hirers and jobseekers.
LINKING TO OUR SITE
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement without our express consent. You must not establish a link from any website that is not owned by you.
Subject to your right to make use of any web and/or rss feeds that we may make available from time to time; our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page without our consent. We reserve the right to withdraw linking permission without notice.
If you wish to make any use of material on our site other than that set out above, please address your request to info@lifecoverforall.co.uk
LINKS FROM OUR SITE
Where our site contains links to other sites and resources provided by our clients or other third parties, these links are provided for your information only.  We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. 
VIRUSES, HACKING AND OTHER OFFENCES
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.
TRADE MARKS
Life cover for All and www.lifecoverforall.co.uk and all related names and logos are trade marks of Life Cover for All LLP.
IFA Zone ( Independent Financial Adviser Zone)
The IFA Zone areas of our site are made available to our as part of their service and the use of the materials made available in those areas is governed by the service agreement between us and each member.
If you are an IFA and wish to become a member you should contact us at the address set out in the “Information About Us” section or e-mail us at info@lifecoverforall.co.uk. The services that we make available to our clients are set out here.
We reserve the right to suspend or cancel your access to the client areas of our site if you fail to make any payments due in respect of your service or your service agreement is terminated for any other reason.
You must not permit or assist any third party who is not an IFA access the IFA Zone areas. If you believe someone may be using your user identification code and password fraudulently you should notify us immediately by e-mailing info@lifecoverforall.co.uk
LIMITATION OF LIABILITY
Commentary and other materials posted on the public areas of our site are not intended to amount to advice on which reliance should be placed.  We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.
The information and materials posted on the client only areas of our site form part of the service that we provide to our clients pursuant to their service agreement. In particular the extent of our liability in respect of your reliance upon any advice given via our site or information or materials posted on our site is governed by your service agreement and in particular the clause relating to the limitation of liability.
In addition, we do not warrant that our site or its contents are virus free or that the client only areas are compatible with your software or computer configuration. We accept no liability for any loss or damage of whatever nature you may suffer in the event of an infection or contamination by a virus or similar computer code designed to adversely affect the operation of any computer software or hardware. You are solely responsible for protecting your hardware, software and system from such attacks.
MISCELLANEOUS
Nothing herein will be deemed to create a partnership or joint venture between us. Neither of us shall have the authority to bind the other or to contract in the name of or create a liability against the other in any way for any purpose.
No failure or delay by either us in exercising our rights pursuant to these terms of use will operate as a waiver of that right nor will any single or partial exercise by us or you of any right preclude any further exercise of any other right.
If any provision of these terms of use is found to be illegal, void or unenforceable by any court of competent jurisdiction, such invalidity shall not affect the validity of the remaining terms of our agreement.
In the event there is any conflict between any provisions of these terms of use and the service agreement between each member and us, the service agreement shall prevail.
A person who is not a party to our agreement has no right under the Contracts (Rights of Third Parties) Act 1999 to rely upon or enforce any term of our agreement but this does not affect any right or remedy of a third party which exists or is available apart from that Act.
JURISDICTION AND APPLICABLE LAW
The English courts will have non-exclusive jurisdiction over any claim arising from, or related to, a visit to our site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country. These terms of use are governed by English law.
VARIATIONS
We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.
Thank you for visiting our site.
PRIVACY POLICY
We are committed to protecting and respecting your privacy and this policy (together with our terms of use above and any other documents referred to on it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us.  Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
Life Cover for All is committed to providing you with consistently high level of service, as well as protecting your privacy. Life Cover for All is fully committed to providing you with a personalised service that meets your expectations and safeguards your privacy.The following policy statement outlines how we may collect and use information about you and gives certain assurances on things we will not do.
We may collect personal information about you from sources (if available) including:
 
(1) when you contact us with an enquiry or in response to a communication from us;
 
(2) from publicly available sources such as the electoral role;
 
(3) from referencing agencies that may verify your identity, in accordance with the JMLSG Guidance, by using Life Cover for All you agree to allow us to use Veriphy
 
For the purpose of the Data Protection Act 1998 (the Act), Life Cover for All LLP, Station House, Station Road, Wylam Northumberland, NE41 8HR  is the data controller.
INFORMATION WE MAY COLLECT FROM YOU
We may collect and process the following data about you:
Information that you provide to us by filling in forms on our site or that you e-mail to us. This includes information provided when you subscribe and/or register for any service that we may provide via our site from time to time or when you report a problem with our site.
If you contact us, we may keep a record of that correspondence.
We may also ask you to complete surveys that we use for research purposes, although you do not have to respond to them.
Details of your visits to our site including, but not limited to, traffic data, location data, weblogs and other communication data and the resources that you access.
IP ADDRESSES, COOKIES AND WEB BEACONS
We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration, to improve the structure and content of our site and to report aggregate information to our advertisers and our members. This is statistical data about our users’ browsing actions and patterns, and does not identify any inpidual.
For these reasons we reserve the right to use cookies as an anonymous method of recording your usage of our site and would ask that if you do not wish to have cookies recorded on your machine, you amend the settings on your browser to prevent them from being created. The “Help” section in your browser should provide you with the necessary information to adjust your settings and control the creation and storage of cookies on your hard drive.
A cookie is a text-only string of information that a website transfers to the cookie file of the browser on your computer's hard disk so that the website can remember who you are.
A cookie will typically contain the name of the domain from which the cookie has come, the "lifetime" of the cookie, and a value, usually a randomly generated unique number.
Two types of cookies are used by us on our site:
• Session Cookies: which are temporary cookies that remain in the cookie file of your browser until you leave the site; and
• Persistent cookies: which remain in the cookie file of your browser for much longer (though how long will depend on the lifetime of the specific cookie). 
Cookies can help a website to arrange content to match your preferred interests more quickly. Most major websites use cookies. Cookies cannot be used by themselves to identify you.
Session Cookies allow you to carry information across pages of our site and avoid having to re-enter information and to allow you to access stored information.
Persistent Cookies help us recognise you as a unique visitor (just a number) when you return to our website and to allow us to tailor content or advertisements to match your preferred interests or to avoid showing you the same adverts repeatedly.
If you alter your browser settings to refuse our cookies you may be unable to access certain parts of our site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to our site.
Please note that our advertisers and our members may also use cookies, over which we have no control.
Our website may contain electronic images known as web beacons which allows us to count users who have visited those pages and deliver co-branded services. Web beacons are not used to access your personally identifiable information on our site. They are a technique to compile aggregated statistics about our website’s usage. Web beacons collect only a limited set of information including a cookie number, time and date of a page view and a description of the page on which the web beacon resides.
WHERE WE STORE YOUR PERSONAL DATA
The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff maybe engaged in, among other things, the provision of support and administration services. By submitting your personal data, you agree to this transfer, storing or processing. These agents have access to the personal information required in order to perform their functions but may not use it for any other purpose and we will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.
All information you provide to us is stored on our secure servers. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Athough we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; 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.
USES MADE OF THE INFORMATION
We use information held about you in the following ways:
• To ensure that content from our site is presented in the most effective manner for you and for your computer. 
• Where you have consented to be contacted for such purposes, to provide you with information or services that you request from us or which we feel may interest you. 
• To carry out our obligations arising from any contracts entered into between you and us.
• To allow you to participate in any interactive features which may offer on our site from time to time, when you choose to do so.
• To notify you about changes to our service.
We do not disclose information about identifiable inpiduals to our advertisers, but we may provide them with aggregate information about our users (for example, we may inform them that 500 men aged under 30 have clicked on their advertisement on any given day). We may also use such aggregate information to help advertisers reach the kind of audience they want to target (for example, women in L1). We may make use of the personal data we have collected from you to enable us to comply with our advertisers‘ wishes by displaying their advertisement to that target audience.
We advertise details of job opportunities on our website. If you apply for one of the positions we may ask you to provide further information about yourself so that we, and/or the relevant member, can contact you. These details together with any details you provide in a CV or application form will be treated as confidential and we will not allow employers to see any of your details without your prior consent.
DISCLOSURE OF YOUR INFORMATION
We may disclose your personal information to third parties:
• If you have given your consent for us to do so for marketing or other specified purposes.
• In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
• If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use [Note: insert link] and other agreements; or to protect our rights or property and the safety of our customers or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
YOUR RIGHTS
You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by refusing your consent at the time of collection or at any other time by contacting us at info@lifecoverforall.co.uk
Our site may, from time to time, contain links to and from the websites of our members, advertisers and affiliates.  If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies.  Please check these policies before you submit any personal data to these websites.
ACCESS TO INFORMATION
The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.
CHANGES TO OUR PRIVACY POLICY
Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.
CONTACT
Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to info@lifecoverforall.co.uk 
 

 

Life Cover For All LLP (Registered in England under company Reg No OC359631) is an Appointed Representative of
Access Wealth Management, The Beacon, Beaufront Park, Anick Road, Hexham, Northumberland, NE46 4TU
which is authorised and regulated by the Financial Conduct Authority

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