- Who are we?
- How we may contact you as part of your debt enquiry
- How you contact us
- How we keep you informed
- Obtaining personal Data/Information
- Customer Communication
- What personal information de we collect?
- Who do we share your personal information with?
- How do we use your personal information?
- What cookies do we use?
- How secure is our site?
- Rights of access to your personal information
- How long will we retain your personal information for?
- Your right to opt out of future contact from us
- Your right to be forgotten / erasure of your personal information
- How to make a complaint.
Who Are We?
livesinsured.co.uk is a trading name of Fracta Digital Media Ltd. Fracta Digital Media Ltd is licenced by the Information Commissioners Office, (Registration Number Z3609437), Registered in the UK, number 08424846. Registered Office Address: Adelphi Mill, Grimshaw Lane, Bollington, Cheshire, SK10 5JB.
livesinsured.co.uk are aware how important your privacy is, based on this we have implemented measures which will ensure any personal information that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling and in accordance with the General Data Protection Regulation (GDPR). Contained within this statement and set out below are details of the type of information that we at livesinsured.co.uk may hold about you our customer, also how we obtain and process any information we may have and importantly how we protect your privacy.
We and our panel of debt solution providers, will keep you informed with the progress of your enquiry. Unless you state otherwise you may be contacted via telephone, email, post, SMS and automated message. (see further section on 'How we keep you informed')
Lawful basis for collecting your personal data
We process your personal data on different bases, according the reason for which you have provided your data to us. When you are browsing the Website, we process your data on the basis that you have given your consent to such processing by accessing the Website. When you have submitted your debt enquiry with the Fracta Group, we process this personal data on the basis that we have a legitimate interest in processing your data (i.e. to share your information with our debt solution providers). When we have submitted the debt enquiry, we process your personal data on the basis that we need this information to fulfill our obligations under the contract we have entered into with you.
You can withdraw your consent to us processing your personal data for marketing purposes at any time by clicking the "unsubscribe" option in any marketing sms, email we, or any associated third party, send to you. Alternatively, you can withdraw your consent by contacting our Data Protection Officer using the contact details stated in section 14 / 15. If you change your mind about agreeing to us processing your personal data, this will not have any effect on the lawfulness of any processing we have carried out before you change your mind.
If you are required to telephone us using the specified telephone numbers on our website under the Contact or advertising/marketing correspondence then your call may be recorded for training, quality and regulatory purposes. We pride ourselves in complete customer care and this gives us the opportunity to continuously improve and monitor our customer experience.
How we keep you informed
We may want to make contact with you at some point in order to keep you informed regarding offers on products or services which we think you may find of interest, this contact will be made via telephone, email, SMS, automated messages.
Obtaining Personal Data / Information
The information/data that we collect from you may include the following details:
- Residential address
- Residential status
- Email address (if applicable)
- Telephone number (home, mobile, work)
- Debt Level
- Number of debts
- Employment Status
- What you do on our website; the results of this will be used to show Lives Insured examples of which parts of our website are most and least used (please refer to ‘Cookies’ section)
If you register with us and have a question about our services, or alternatively choose to send an email to firstname.lastname@example.org may also collect the above personal information/data in this instance in order for us to respond to your enquiry.
Unless the customer states otherwise we will contact the customer via means of telephone, SMS and email to provide information and alerts relating to our services and our associate companies. We may also receive personal information/data from third parties, which enables us to offer Identified potential customers products, and services who have expressed interest in our products and services. Any information/data obtained from third parties is checked in regards to accuracy and we will endeavour to check your information with you on occasion.
Ensuring your personal details & or preferences are kept up to date.
It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so we can ensure it is corrected.
If you require your preferences to be updated then please contact our Compliance Manager as soon as possible (details set out below).
What personal information do we collect?
We collect personal information about you when you give this to us when applying for a debt solution product online. This might be, for example, to obtain comparative quotes for the debt solution and alternative financial products such as debt management plans, bankruptcy, protected trust deed, debt relief orders and individual voluntary arrangements. In the course of providing the Services to you, we may also store information about how you use our Sites, for example, the pages viewed, the website from which you came to visit our Sites, changes you make to information you supply to us, details of the quotes you request and your applications, together with details of your financial information, for example, bank account or payment details.
We will store the information you provide and may use it to pre-populate fields on the Sites and to make it easier for you to use the Sites when making return visits
We may monitor or record your calls, emails, SMS or other communications but we will do so in accordance with data protection legislation and other applicable law. Monitoring or recording will always be for business purposes, such as for quality control and training (e.g. where you call our compliance or customer service department), to prevent unauthorised use of our telecommunication systems and Sites, to ensure effective systems operation, to meet any legal obligation and/or to prevent or detect crime.
We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law.
Who do we share your personal information with?
When you complete an enquiry, you consent to us disclosing your personal information to the following parties:
Alternative Solutions Providers - Debt Management Companies offering financial solutions such as debt management plans, bankruptcy, individual voluntary arrangements and protected trust deeds. Our preferred partners in this sector are:
- Active Life
- Blueberry Wealth
- C & C Communications
- Choose Leads Ltd
- Conectia Ltd
- New Media
- Protected Online
- So Media Ltd
our channel operators: whilst the majority of the channels on our Sites are run by us, some of our channels are designed and maintained for us by our third party service providers. We may receive your personal information from these service providers and use it in accordance with section 4 above. We will only use the personal information we receive from third parties where the relevant third party can show that it was collected and processed with your consent;
Financial Conduct Authority and/or other regulatory/governing bodies, for the purposes of compliance monitoring;
Where permitted by data protection and privacy law, we may also disclose information about you (including electronic identifiers such as IP addresses) and/or access your account:
- if required or permitted to do so by law;
- if required to do so by any court, the Financial Conduct Authority, the Competition and Markets Authority or any other applicable regulatory, compliance, Governmental or law enforcement agency;
- if necessary in connection with legal proceedings or potential legal proceedings; and/or
- in connection with the sale or potential sale of all or part of our business.
If we reasonably believe false or inaccurate information has been provided and fraud is suspected, details may be passed to fraud prevention agencies to prevent fraud and money laundering.
FRAUD PREVENTION AGENCIES (FPA'S)
If we reasonably believe false or inaccurate information has been provided, including in relation to a person's identity, and fraud is suspected, details, including personal data may be passed to fraud prevention agencies to prevent fraud and money laundering. Your details may be passed to statutory bodies, regulators, legal bodies, credit reference agencies, fraud prevention entities and identity and address verification agencies who may record and use your details. They may also disclose your information to other organisations for credit reference, debt tracing, and fraud and money laundering prevention purposes. If you have any queries regarding these uses, please contact the relevant organisation.
By submitting an enquiry form on our site, you confirm that all of the information provided is true and accurate. You also, when applying, authorise the Alternative Solutions Provider to use both fraud prevention and credit referencing agencies to help make relevant decisions. Credit checks and credit reference agencies can also help prevent fraudulent applications.
What is a Fraud Prevention Agency?
Fraud Prevention agencies collect, maintain and share information on any known or suspected fraudulent activity.
They work in the following ways with various organisations:
- If false or inaccurate information is provided and fraud is identified, details will be passed to Fraud Prevention Agencies
- Law enforcement agencies may access and use this information.
- FPA’s along with ourselves and other organisations, may also access and use this information to prevent fraud and money laundering, for example, when:
- Checking details on application s for credit and credit-related accounts, or other, facilities;
- Managing credit and credit-related accounts or other facilities;
- Recovering debt;
- Checking details on proposals and claims for all types of insurance; and,
- Checking details of job applicants and employees.
- We, and other organisations may also access and use the information recorded by FPAs from other countries
How do we use your personal information?
We may use your personal information:
- to enable you to access and use the Services;
- to personalise and improve aspects of our Services;
- for research, such as analysing market trends and customer demographics;
to communicate with you, including some or all of the following:
- sending you a confirmation email - when you submit an enquiry with us, you will automatically be sent confirmation of your enquiry by email or SMS so that you have a record of it;
- sending you debt solution information in order to provide this service to you, we may also send that information to our partners such as debt management companies offering financial debt solutions
- to process an application between you and a third party such as the debt management company;
- to track applications, which may involve us sharing data with your product provider relating to the product(s) you have chosen. Your product provider may also send us information they hold relating to the product(s) you have chosen for this purpose;
- to match our data with data from other sources - we may validate and analyse your information and, in some cases, match it against information that has been collected by a third party to ensure that the information we hold about you is as accurate, consistent and as well-organised as possible.
What cookies do we use?
A cookie is a very small text file placed on your computer or device. Cookies help us to:
- understand browsing habits on the Sites;
- understand the number of visitors to the Sites and the pages visited; and
- remember you when you return to the Sites so we can provide you with access to previously saved quotes.
Most cookies are deleted as soon as you close your browser or mobile application - these are known as session cookies. Others, known as persistent cookies, are stored on your computer or device either until you delete them or they expire. The cookie used to keep you signed in to your account expires after 90 days. Every time you visit livesinsured.co.uk, you will be kept signed in for a further 90 days. By using the Services, you consent to us using cookies.
How secure is our site and what steps do we take to keep you safe?
Our Sites are "Let’s Encrypt Secure Websites" and keeping information about you secure is very important to us. However, no data transmission over the internet can be guaranteed to be totally secure. Sensitive information, for example, your card details, is encrypted to minimise the risk of interception during transit.
We do our best to keep the information you disclose to us secure. However, we can't guarantee or warrant the security of any information which you send to us, and you do so at your own risk. By using our Sites you accept the inherent risks of providing information online and will not hold us responsible for any breach of security.
Rights of access to your personal information
You have certain rights under data protection legislation. For example, we will always let you have a copy of the personal information we hold about you, if you request it from us in writing.
In order to ensure the Services we provide you continue to meet your needs we may ask you for feedback on your experience of using the Sites. Any feedback you provide will only be used as part of our programme of continuous improvement and will not be published on the Sites.
Note that it is your responsibility to check and ensure that all information, content, material or data you provide on the Sites is correct, complete, accurate and not misleading and that you disclose all relevant facts.
You have a right to have inaccurate personal data rectified, you can also request to have incomplete personal data completed (Right to rectification).
We will process your request within one month from date of receipt. If you wish to make any changes please contact our Customer Services Team at email@example.com
How long will we retain your personal information for?
The amount of time we retain your information for will depend on the reason it was provided:
- If you request to opt out of marketing, we will still need to retain your information in order to evidence your preferences.
- We will need to retain, for a minimum period of 6 years, any information relating to applications you have entered into on our website. This period will commence once your relationship with us has ended. We need to keep your information for this length of time to assist with any potential future complaints.
Your Right To Opt Out of Future Contact From Us
You can opt out of future contact from Lives Insured at any time. All of our marketing messages provide an opt out link – please allow up to 48 hours for us to process your opt out request. Alternatively you can enter your details via www.removeme.co.uk or email firstname.lastname@example.org where your details will be removed from any future marketing campaigns.
Your Right to be Forgotten / Erasure Of Your Personal Information
Under the General Data Protection Regulation (GDPR), all individuals have the right to request the deletion or removal of personal data (the right to be forgotten) under the following circumstances:
- Where the personal data is no longer necessary in relation to the purpose for which it was originally collected/processed.
- When the individual withdraws consent.
- When the individual objects to the processing and there is no overriding legitimate interest for continuing the processing.
- The personal data was unlawfully processed (i.e. otherwise in breach of the GDPR).
- The personal data has to be erased in order to comply with a legal obligation.
- The personal data is processed in relation to the offer of information society services to a child.
There are some circumstances where the right “to be forgotten” does not apply i.e. where we need to comply with a legal obligation.
If you wish to request your “right to be forgotten” please email: email@example.com
Our marketing partners will also be informed of your request.
How to make a complaint
Lives Insured always aim to be fair and honest in everything we do, so if you have a complaint about any aspect of our service we’re keen to resolve it as quickly as possible. You can contact us in any of the following ways:
Complaints Department, Lives Insured, Adelphi Mill, Grimshaw Lane, Bollington, Cheshire, SK10 5JB
01625 32 22 74 (calls are charged at local rates and are inclusive of mobile phone users’ free minutes)
By Email: firstname.lastname@example.org
We will acknowledge receipt of the complaint within 3 working days and we hope to provide a final response within 4 weeks. We will write to you again within 4 weeks if we are unable to provide a final response within that time period. In any event we will respond to your complaint in full within 8 weeks.
If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to -
Financial Ombudsman Service
Telephone: 0800 023 4567
Web site: www.financial-ombudsman.org.uk
You can report any of your concerns to the Information Commissioner’s Office (ICO)
Information Commissioner's Office
Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number
Fax: 01625 524 510
Last updated April 2018
What follows below are important points which You need to know about livesinsured.co.uk & Fracta Digital Media and the service We provide. We request that You read the following terms and conditions prior to using this iframe form to ensure that You are satisfied with the service We can offer You.
If, after reading Our terms and conditions, You do not agree with the content then We request that You do not use Our service.
"Terms" means these terms and conditions;
"Users" means the users of the Website collectively;
"User Information" means the details provided by You on any application via the Website;
"We/Us/Our" means Fracta Digital Media;
"Website" means the Website or any subsequent URL which may replace it which is used to access Our form;
"You/Your/Customer" means a user of the Website.
"Service" means the process in which Fracta Digital Media refers your enquiry to a debt solutions provider.
"Provider" means the third party company who may provide You with a debt solutions service.
Lives Insured is a trading name of Fracta Digital Media Ltd. Fracta Digital Media Ltd is licenced by the Information Commissioners Office, (Registration Number Z3609437), Registered in the UK, number 08424846. Registered Office Address: Adelphi Mill, Grimshaw Lane, Bollington, Cheshire, SK10 5JB.
livesinsured.co.uk is owned and operated by Fracta Digital Media
We are not a provider or advisor for debt solutions and therefore We will not provide solutions or advice directly to You; We provide an online referral service, We will introduce You to Providers of Debt Solution services. By submitting an enquiry through Our Website You will be giving Your consent for Fracta Digital Media to pass your details to one of the Debt Solution Providers on Our panel. We will present Your enquiry in real time to one or more of Our Providers. It is important to understand that We may be paid a fee by the Provider for introducing You to them. There is no obligation for You to take up the service with them. You should read their conditions carefully and make a responsible decision on whether You believe their service is right for You. If You have any questions or are unsure You should contact the Provider before taking out any service with them.
Any examples of solutions stated on the Websites are purely given as a representative example relating to some of the solutions that may be available. There is no guarantee that all/any solutions will apply to your circumstances. We have no control over the decision making.
The Provider will conduct an assessment of your circumstances before providing potential solutions.
Customer checks & referencing
Upon confirmation to proceed, the Provider may use both fraud prevention and credit referencing agencies to help make relevant decisions.
Credit checks and credit reference agencies can also help prevent fraudulent applications so We ask You to agree to using data provided for the purpose of preventing fraud and ensuring that Your identity is protected.
Information provided by You must always be true and accurate, as misleading information will be regarded as a breach of Our terms and is likely to breach any agreement You have entered into with a Provider. Misleading information may also result in the instigation of criminal procedures against You.
Information about You (including Your visits to the Website)
When You use Our website and form You consent to us processing Your personal information and therefore warrant that all information/data provided by You is accurate and correct.
Unless stated otherwise We may contact You via means of telephone, SMS, post or email to provide information and alerts relating to Your enquiry.
Intellectual property rights
The copyright and material on this website & form is owned by Fracta Digital Media and is protected by the copyright and trademark laws of the United Kingdom. You are permitted to copy any such information for Your own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of Fracta Digital Media.
Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this form may be in breach of statutory or common law rights which could be the subject of legal action. Fracta Digital Media disclaims all liability which may result from any unauthorised reproduction or use of the information on this form.
We cannot guarantee that the Provider will offer a solution. This may be as a result, directly or indirectly, of a systems problem, issues which are unforeseeable or outside of Our control or that of the Providers, or because information has been provided incorrectly. Accordingly, We shall not be liable for any loss You may suffer unless We have been negligent or not acted in accordance with these Terms and Conditions or unless otherwise required by UK law. In the event that You do not use this form with reasonable care and in accordance with these terms and conditions or We discover or are notified that You are using this form fraudulently, We, and or, the Provider reserve the right to charge You for any reasonable costs that We may incur in taking action to stop You using the form and recover any monies owed as a result of Your activities.
The form may only be used for lawful purposes and in a lawful manner. You agree to comply with all applicable laws, statutes and regulations regarding the Form and its use. You agree not to upload or transmit through the form: any computer viruses or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer; and any material which is defamatory, offensive or of an obscene character.
The website & form is controlled and operated in the United Kingdom. These Terms and any non-contractual obligations arising out of or in connection with these Terms will be governed by the laws of England and Wales and You irrevocably agree to submit to the exclusive jurisdiction of the English courts.
We endeavor to make every effort to ensure Our service to You is excellent; however, if You wish to make a formal complaint, please send Your complaint via email or by writing to the following address: Email us at or write to: The Compliance Manager, Fracta Digital Media, Adelphi Mill, Grimshaw Lane, Bollington, SK10 5JB