Privacy Notice Privacy Notice

How we use your information

We will always keep your personal information safe and secure. So that you're informed this privacy notice tells you why collects and uses your personal information.

It applies to information we obtain from; is owned and operated by Essential Finance Group Management Ltd, who is the data holder, or controller, of any personal information provided to

If you've any questions about how we use your personal information and protect your privacy you can contact us at

Visitors to our website


When someone visits we use site analytic tools provided by companies such as Google, to collect standard internet log information and details of visitor behaviour patterns that are collected through 'cookies'. We do this to find out things such as the number of visitors to the site and its various pages, browsing habits, where you visited before you reached our website and the frequency that people return to the site. Further to this we use technology provided by Hotjar to help us better understand our website users experience (e.g. how much time is spent on which pages, which links are clicked, what users appear to like or do not like). This enables us to build and maintain our service with user feedback. We also use other third-party advertiser pixels, which are common across most digital advertising platforms. These advertising tools consist of cookies that are placed onto our website to track visitors and these cookies are used to deliver advertising relevant to you. They also limit the number of times that you see an advert and help us measure the effectiveness of online advertising campaigns.

This information is only processed in a way which does not identify anyone at an individual level. We do not make, and do not allow Google, Hotjar or any online advertisers to make, any attempt to analyse this data at a personal level and data collected is captured and stored in anonymised form. The information we gather from cookies will be stored and used for statistical analysis purposes to help us make informed decisions about how to improve our online advertising and website content or functioning for returning and future visitors.

For more information about our use of cookies click here.

Customers who use our services

Why we collect your personal information

We use your information quite simply at your request to deal with your enquiry and to provide you with a quotation. If you provide personal information about someone else, for example if an enquiry is made for yourself and a partner, you must do so with the permission of the other person. The personal information about the other person will be used in the ways as described in this privacy notice.

You don't have to give us any of your personal information, but if we are collecting your data to fulfil our contract with you and it's necessary to enter into a contract, we will be unable to provide our services if you choose not to provide your information.

Please note: If you decide to progress with an application for life insurance through a relevant and associated third party, the information you have provided to us, together with any further information requested by them and supplied by you, will be held by them for the purposes set out in their privacy notice.

Sharing your information

We will not share, sell, loan or lease your personal information to any other third party except those relevant, or needed, to provide the products or services you have requested - your information is passed securely to the following categories of companies:

If the company receiving your personal information is processing the data to provide elements of our service for us, such as review specialists, we have a contract in place with them to ensure that they cannot do anything with your personal information, unless we instruct them to. They will not share your personal information with any other organisation without our authorisation, they will hold it securely and they must comply with their data protection obligations.

We do not routinely transfer personal information outside of the UK or European Economic Area (EEA) where transfer of data is not restricted, and additional safeguards are not required to protect your data. However, a product or service may be administered from a country outside Europe. Any personal data received from companies transferring from the EEA must comply with EU data protection laws, and we will only transfer personal data outside of the EEA if the organisation receiving your personal data has provided adequate safeguards and your rights under UK General Data Protection Regulation are enforceable.

Keeping your information

We'll hold on to your information for at least as long as is needed to be able to provide our services to you. After this point we review the data that we hold to decide whether we need to keep hold of your information any longer, for example to deal with a complaint or for any legal reasons that may arise from a complaint being made.

We may also hold your information for administrative, management forecasting and planning and statistical purposes, in which case, we will limit what we keep where possible to minimise risk and safeguard personal information.

Your rights

You have a lot of rights relating to your personal information:

Use of cookies

We use cookies when you visit our site. Cookies can be temporary or permanent. Temporary 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 more permanently on your computer or device either until you delete them, or they expire.

By using our site, you agree to us placing these sorts of cookies on your device and accessing them when you visit the site in the future. If you want to delete any cookies that are already on your computer, the "help" section in your browser should provide instructions on how to delete specific cookies and change your cookie settings. Further information about cookies can be found at Please note that by deleting or disabling future cookies, your website experience may be affected, and you might not be able to take advantage of certain functions of our site.

There are two main types of cookies that we use - here's what they do and why we use them.

How to contact us

We always have our customers best interests at heart and we want to hear from you, especially if:

You can contact our Data Protection Officer by emailing

Or if you'd like to, you can write to us at:

Data Protection Officer

Marshall House

Park Avenue


M33 6HE

We keep our privacy notice under regular review. Any future updates to this privacy notice will be found on this page.

UKL PN V7 05/2021