Privacy Policy & Cookies

Privacy Policy

1. Introduction

Welcome to Advanced Inheritance’s Privacy Policy. Advanced Inheritance ("we," "us," or "our") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your personal data in accordance with the regulations set forth by the Information Commissioner's Office (ICO) and other applicable data protection laws.

By interacting with Advanced Inheritance, including visiting our website, providing your information to us, or using our products and services, you consent to the practices described in this Privacy Policy.

2. Information We Collect

We may collect the following types of information for the purposes of processing your requests, ensuring product suitability, and responding to purchase requests:

a. Personal Information

Such as your name, contact details and information pertaining to the estate of the deceased and your connection to the estate. This type of information is provided by you directly when you complete a form on our website, speak to us over the telephone or send us a written communication (e.g. email or letter).

Please note that all telephone calls are recorded for training and monitoring purposes.

b. Information Collected Automatically

We collect some information automatically when you visit our website or view our emails. This information may include IP address, browser type and device information.

We also use cookies. You can read more about this and manage your settings below.

3. How We Use Your Information

We use your personal information for the following purposes:

a. To Process Requests for Information

To provide you with information about our products and services
To evaluate your eligibility for our products and services
To communicate with you and respond to your enquiries

b. To Ensure Product Suitability

To assess whether our products and services are suitable for your financial needs and circumstances
To conduct risk assessments and financial suitability checks

c. To Respond to Purchase Requests

To process applications and orders for our products and services
To manage your accounts and provide ongoing support

d. Legal Obligations

To comply with legal and regulatory requirements
To prevent fraud and financial crime
To protect our rights, property, and interests

e. Legitimate interests pursued

Our legitimate interests include operating our business, fulfilling contractual obligations, ensuring system and data security, preventing fraud, supporting audit and compliance activities, and protecting TransUnion data. These interests are balanced against the rights and freedoms of individuals, with appropriate safeguards in place.

f. Provision of Personal Data

The provision of certain personal data is primarily contractual and, in some circumstances, required to meet legal and regulatory obligations. Personal data is required to: enter into and perform contracts with customers, suppliers, or business partners; process orders, manage accounts, and deliver goods and services; verify identity and prevent fraud; and comply with applicable legal, regulatory, accounting, and tax obligations.

If you choose not to provide the personal data, we request: we may be unable to enter into a contract with you; we may be unable to fulfil orders, supply goods, or provide services; we may be unable to conduct necessary verification, compliance, or fraud prevention checks; and as a result, our services may be delayed, restricted, or declined.

Where personal data is requested for optional purposes, such as marketing communications, providing this data is not mandatory, and you may withdraw your consent at any time without affecting your ability to receive goods or services from us.

g. Automated decision—making

We may use automated systems and tools to support certain business processes, such as risk assessment, fraud prevention, affordability checks, identity verification, or record management. These tools may analyse personal data using predefined criteria or rules to generate indicators, scores, or recommendations. However, we do not make decisions that have a legal or similarly significant effect on individuals based solely on automated processing. Any such decisions are subject to meaningful human review. The use of these tools may influence the speed or level of review applied to an application or request, but individuals will not be subject to automatic rejection or adverse decisions without human involvement.

4. Disclosure of Your Information

We may share your personal information with the following categories of recipients:

a. Third-Party Partners: Approved partner businesses who assist us in processing your requests and providing our products and services.
b. Service Providers: Companies that provide services on our behalf, such as IT services, marketing, advertising and analytics. For services provided by Google, additional information may be obtained from support.google.com/adspolicy/ and an opt-out method is provided by support.google.com/ads/.
c. Legal and Regulatory Authorities: To comply with legal obligations, such as reporting to regulatory authorities.

5. Credit Reference and Affordability Checks

To help us assess applications, prevent fraud, and meet our legal and regulatory obligations, we may obtain information about you from credit reference agencies (CRAs). We obtain this information via Creditsafe, which uses its data partner TransUnion to supply consumer credit and identity data.

Creditsafe Business Solutions Limited is authorised and regulated by the Financial Conduct Authority, FCA Firm Reference Number: 742313

TransUnion International UK Limited is authorised and regulated by the Financial Conduct Authority, FCA Firm Reference Number: 737740

The information we receive may include data relating to your identity, credit commitments, payment history, and public record information. This data is used solely for legitimate business purposes, including creditworthiness assessment, identity verification, and fraud prevention, in accordance with applicable data protection laws.

Further information about how Creditsafe and TransUnion process your personal data can be found in their respective privacy notices:

Creditsafe Privacy / Transparency Notice

TransUnion Bureau Privacy Notice

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your use of our website. You can manage your cookie preferences below or through your web browser settings. For more information, please refer to our Cookie Declaration.

7. Security

We are committed to protecting your personal information and have implemented reasonable security measures to safeguard it.

International Data Transfers

Advanced Inheritance Limited operates solely within the UK and all personal data is handled exclusively within the UK and is not accessed by individuals, employees, or third-party providers located outside of the UK.

Where such transfers do take place, we ensure appropriate safeguards are in place to protect personal data in accordance with applicable data protection laws. These safeguards may include the use of approved standard contractual clauses, international data transfer agreements, or transfers to countries that have been recognised as providing an adequate level of data protection.

8. Your Rights

You have certain rights regarding your personal information, including the right to access, correct, delete, or restrict the processing of your data. For more information on your rights and how to exercise them, please contact us at dpo@advancedinheritance.co.uk.

Right of access: You have the right to request a copy of the personal data we hold about you and information about how it is used.

Right to rectification: You have the right to request that inaccurate or incomplete personal data is corrected.

Right to erasure: You have the right to request that we delete your personal data where there is no lawful reason for us to continue processing it.

Right to restrict processing: You have the right to request that we limit how we use your personal data in certain circumstances.

Right to data portability: You have the right to receive your personal data in a structured, commonly used, and machine readable format, and to request that we transfer it to another organisation where technically feasible, readable format, and to request that we transfer it to another organisation where technically feasible.

Right to object: You have the right to object to the processing of your personal data where we rely on legitimate interests or where data is used for direct marketing.

Right to complain: You have the right to complain to the UK Information Commissioner's Office (ICO) or another relevant data protection authority if you are dissatisfied with how we manage your personal data.

9. Data Retention

We will retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

Data used for credit reference or affordability checks is retained only for as long as required and then securely deleted.

10. Contact Us

If you have any questions, concerns, or requests related to this Privacy Policy or your personal information, please contact us at:

Advanced Inheritance Limited
Independence House
Millfield Lane
Nether Poppleton
York
YO26 6PH

dpo@advancedinheritance.co.uk

11. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, regulatory, or operational reasons. Any updates will be posted on our website, and the effective date will be revised accordingly.

12. Consent

By using our website or providing your information to us, you consent to the terms of this Privacy Policy.

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