Our Terms and Conditions together with our Privacy Policy and Cookies Policy establish a legal agreement which sets out our relationship with you. They explain our and your responsibilities, and outline how you can use our service and access our products. Please read them carefully as you will be agreeing to them in order to receive our unique service.

Lifezy is a trading name of Score Genius Technology Limited, any references to Lifezy are references to Score Genius Technology - Company Registration Number:11498853. Score Genius is authorised and regulated by the Financial Conduct Authority under reference FRN 830950.

You may wish to check our registration on the Financial Services Register by visiting www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 (freephone) or 0300 500 8082 or by emailing consumer.queries@fca.org.uk.

Data protection

Our data controller registration number is ZA516139. We encourage you to check our registration on the Data Protection Public Register by visiting https://ico.org.uk/esdwebpages/search.

References in these Terms and Conditions and on our platforms or communications to “we”, “our” or “us” are references to Score Genius Technology. ‘We’ may also mean anyone that might take over our business, or that we transfer our business to in the future. In a few places, ‘we’ might refer to one of our third party service providers or a subcontractor, however this should be clear from the context. References to “you” and “your” means each natural or legal person who uses our platforms and services.

All references to our website include references to our mobile application.

• The services we provide are on an ‘as is’ basis
• We and our third party providers have no influence or control over the information provided by Experian
• We and our third party providers have no control over the accuracy of the information provided by Experian
• Though we endeavour to ensure it is, we are unable to guarantee that the information on our website, in our mobile app, or on posts to external sites is current, up-to-date or accurate and we offer no guarantee that it is
• We accept no liability for omissions or inaccuracies and we urge you double check and confirm the accuracy of any information before you act on it

These Terms specifically establish your agreement with us relating to your use of our website, apps and services, they do not create any relationship or agreement between you and our third party service providers, affiliates, any other company, or person.

Lifezy is an independent credit broker. We’ll do a credit check for you and provide you with your credit report for free. This is an integral part of our service. If you purchase a product through our service, we will earn a commission from the product’s provider. Please be assured, that we never offer you products based on the level of commission we receive and we list our offers on your eligibility and the financial benefits to you.

Our Services

We aim to help you take control over your own finances by helping you to access your credit report and credit score from Experian. We let you do this free of charge. We procure this information for you, as you could also do. By using our services you agree that we and Experian shall be authorised and given permission to access your credit report. In order to procure a credit report and give you your credit score you will need to pass an identity authentication process. This is for security purposes. Experian will try to assist you if you fail the identity authentication process, but we and they do not need to inform you of any reasons why you did not pass or comply.
This information is procured through ‘soft searching’ your credit records.

Soft searching

When you search for credit offers on our website or mobile app, we or our service providers will record a ‘soft credit search’ on your credit file, but rest assured this record will be invisible to other lenders, meaning that the soft search will not affect won’t affect your credit score as any a lender’s decision whether to lend or not will not be recorded.

If you apply for a financial product, through our platforms or otherwise, the lender will most likely conduct a hard credit search before accepting your application. Hard searches normally stay on your credit record for 12 months. Having multiple hard searches performed on your credit report could affect a financial service provider’s decision to lend to you.

How often will a “soft credit search” be performed for your Lifezy account?

By using our services you agree that your records and, where applicable, your financial associates – e.g. someone you have a joint mortgage or joint loan with - will be searched:

• As part of verifying your identity, we will carry out an authentication search against your credit information. This search will be carried out once at the time you register for our services.
• Whilst you remain a user of our services, we or our third party service providers will carry out searches against your credit information and, where applicable, your financial associates’ credit information in order to provide you with your credit score, credit report and relevant products.

We will hold your details and records on our systems and make this credit information available to you through our website and app. If there has been a change to information in your credit score or credit report, we may notify you by sending you an email or through a push notification.

We will undertake analysis and profiling of your credit information and, where applicable, your financial associates’ credit information (and any other information provided by you or on your behalf). This is to assist you in being better informed about, understand and manage your credit position, and in order to identify and inform you of credit products that are likely to be suited to your circumstances or which we collect about you through our website, apps and your mobile devices. We will use your credit information and any other data you provide or make available to us for the purposes set out in these Terms, including our Privacy Policy.

We may also use your information (and, where applicable, that of your financial associates) to identify whether you may benefit from additional guidance concerning your credit score and steps you can take to improve your score.

We may share your information with third party service providers, such as Credit Reference Agencies, financial services providers and other advertisers, in accordance with our Privacy Policy and your account’s privacy settings. Certain third party product and services providers provide us with their own services to assess your suitability for particular products.

If you would prefer not to share your information with such third party service providers, you can opt out of this at any time. Please note that if you opt out of this, we won’t be able to show you offers that are specifically suitable for you.

The offers you receive will be from other financial services providers. You don’t have to accept any offers. Our intention is that you are only offered products that are advantageous to you and you are likely to be accepted for. Some of them may save you money, but others may not. Whether to accept any offer is your decision. You have all the information about your individual financial situation. We are not providing you with financial advice. If you have any queries or questions, please contact an independent financial advisor, or a debt advice agency such as

Making an application for lending from a third party

Third party lenders will use their own criteria in making decisions about you. Any decisions you make on the basis of your credit score or credit report, or any other information we provide or make available to you, are purely your own choice. Please ensure that you have fully read and understand any relevant information, such as the credit provider’s terms and conditions, which provide full details of the risks involved with any decision you make. You may wish to consider obtaining professional or specialist advice before taking, or refraining from taking, any action on the basis of the content on our website or any other information we provide or make available to you.

Product Comparison Services

Lifezy offers a price comparison service that can be used to find out whether you could save money on some types of insurance, or on a range of other services or products. We may receive a commission from product taken in our marketplace.

Your responsibility

In order to get a quote through our price comparison service, you will need to answer some questions on our site needed by all the different product or service providers and any intermediaries they may use. The answers you give will determine the products or services available to you and the amount you will pay. You must get permission from any other people whose details you propose to use in requesting a quote. If you submit another person’s details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used.

You are solely responsible for ensuring that all information you provide us with is true, accurate and complete and you agree to the assumptions we make. If you do not provide accurate information this could lead to your selected product being invalid and claims may not be paid. You agree that we cannot be held responsible if your selected product is invalid as a result of you providing incorrect information, to us or your selected provider.

As we work with a large number of providers it is important that you read the provider’s terms and conditions, and that you read all documents issued to you by your selected provider and ensure that you are aware of any levels of cover, financial limits and any other terms that apply. If any information is not correct, it is your responsibility to identify the mistake and correct this with the provider directly. To access our services, you will need to create a username and password. You agree to keep confidential the password and any other login details you use to access our services or engage in any disputes process and not to disclose such passwords and other login details to anyone else. If you know or suspect that someone else has your login details and password you must contact us immediately and change your password. We will not be responsible for any activity performed using your login details unless we have acted negligently or in breach of these Terms.

Price delivery

Companies change their prices and amend their rates on a regular basis. Any price quoted to you will be accurate at the time of issue, and may change if your quote is resubmitted.

Your privacy.

Please read our Privacy Policy for details of how we use your personal information. If you ask us to delete any of your information in response to a Notification, we will comply with your request, in accordance with our Privacy Policy, solely to the extent that it relates to information processed by us in connection with the Lifezy services. If we do delete or restrict access to any of your information at your request, we may not, as a result, be able to continue to provide some or all of our services to you. We also have the right to continue using your information if our holding and use of it is necessary for compliance with our legal obligations.

Who can be our customer?

• UK resident
• Over 18
• A genuine person who is accessing our services for your personal use only and on your own behalf. (Please keep logins private and confidential, as you are responsible for any use of your account, whether it is permitted by you or not.)

We reserve the right to refuse to provide services to a new customer or stop the provisions of services to existing customers, at any time and at our sole discretion. We might do this if:

• We believe you have breached these Terms and Conditions
• We think your activities on our website or mobile app are illegal
• We have not been able to verify your identity
• You’re rude, aggressive or threatening to our staff
• We find or believe you have breached our Acceptable Use Policy

Our Acceptable Use Policy

Please carefully read our Acceptable Use Policy. We retain the right to stop providing you services should you breach it and we may take action, including legal action if need be. As detailed in our Privacy Policy if we believe you have behaved unlawfully, we can disclose your identity, activities and pass on other information thatwe hold about you to law law enforcement agencies.

We ask that when you use our services you do not do the following:

• Provide us with an email that is not yours or that you do not solely control
• Fail to comply with local, national or international law or regulation
• Deceive or defraud, or participate activity that has a fraudulent purpose or effect
• Create or use a false identity
• Access or interfere with another person’s account or information
• Impersonate another person
• Utilise our services for your own or another person’s business purposes
• Harm or corrupt, or to attempt harm or corruption to any other person in any way
• Make any unsolicited or unauthorised communications, including of advertising or promotional material (“spam”)
• Make or attempt to make unauthorised access to damage, disrupt or interfere with any part of our website, systems, equipment, software or networks on or through which our website is stored or operated
• Modify, adapt, decipher, decompile, disassemble or reverse engineer any of the software comprised in or in any way making up a part of our website or services provided by our website
• Scrape, reproduce, duplicate, copy, modify, distribute, publish, resell or transmit any element comprised in our website, including any software comprised in it, the content or the services provided through it
• To use any technology or processes of any kind to access, acquire, copy, monitor, navigate or search our website or any portion of it (including the use of data mining, robots or similar data gathering and extraction tools)

You must not, and you must not encourage or allow another person to:

• Knowingly transmit any data, send or upload any material that is corruptor contains viruses, Trojan horses, worms, logic-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware or perform any act that would cause our website to become unavailable for use by others (including via any form of denial-of service attack)
• Access without authority, interfere with, damage or disrupt any part of our website, any software, the server or other equipment or network used in the provision of our website (including where owned or used by any third party)

We may monitor your use of our services, and your activity for security purposes, so we can ensure it is in line with our Acceptable Usage Policy.

You must fully cooperate with us where any law enforcement authorities, regulators or court order requests or directs us to disclose the identity or locate anyone posting any material or using our website or our services in breach of our Acceptable Use Policy.

Linking to our website

• 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
• You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists
• You must not establish a link to our website in any website that is not owned by you or that does not comply in all respects with the content standards set out in our Acceptable Use Policy
• Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page
• We reserve the right to withdraw linking permission without notice

Content Standards

These content standards apply to any and all material which you may contribute to our website and to any interactive services associated with it. Contributions must:

• Comply with applicable law in the UK and in any country from which they are posted
• Accurately state facts
• Be genuinely held opinions

These content standards apply to any and all material which you may contribute to our website and to any interactive services associated with it. Contributions must:

• Contain any material which is defamatory of any person
• Contain any material which is obscene, offensive, hateful or inflammatory
• Promote sexually explicit material, violence or any illegal activity
• Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age
• Infringe any copyright, database right or trade mark of any other person
• Be likely to deceive any person
• Be made in breach of any legal duty owed to a third party (for example be confidential information)
• Be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety
• Be likely to harass, upset, embarrass, alarm or annoy any other person
• Be used to impersonate any person, or to misrepresent your identity or affiliation with any person
• Give the impression that they emanate from us, if this is not the case
• Advocate, promote or assist any unlawful act including copyright infringement or computer misuse

Making Changes to our Terms and Conditions or our Services

We may need to change these Terms, our website, apps and our services and reserve the right to do this at any time. For changes that affect your rights or obligations under this agreement, if you have registered your email with us, we will notify you by email, or by posting a notice on our website or app or through the services, or in any other way we believe appropriate. Your continued use of our website, apps or our services will confirm your acceptance of the revised terms. For changes that do not affect your rights or obligations under this agreement and a simply an update of information, we may not notify you directly. Please ensure you check this page regularly for any updates made here.

Accuracy

We don’t check the information we receive from you or third parties for accuracy or completeness.

If you believe any of the information we have provided to you or published on our website is incorrect, please let us know as soon as possible by contacting support@lifezy.co.uk.

We don’t assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to receive or store any user information, communications or personalisation settings.

We may change the design, content or functionality of our apps, website or any other platform that gives access to our services at any time. Should it be out of date we are not obligated to update our content at any time. We are unable to guarantee that our website or apps or any content on them will be available, uninterrupted or error free at all times.

Intellectual Property Rights

• Intellectual property rights in our website and apps in the material published on them and in their component systems are owned by, licensed or sub-licensed to us. All content on our website and apps is subject to copyright with all rights reserved
• Images, trade marks and brands are protected by intellectual property laws and may not be reproduced or appropriated in any manner without permission of their respective owners
• You must not remove any acknowledgement that we or any of our contributors is the author of any website content or any content we provide to you as part of the services
• You may download or print or screen grab content or individual sections or pages of our website or apps for your personal use and information only, provided that any such copy has attached to it the relevant proprietary notices and/or disclaimers. Any material downloaded or otherwise obtained through our website or apps is done at your own discretion and risk and you are solely responsible for any damage to your computer system or device or loss of data that results from the download of any such material
• You must not modify, adapt, copy, download or post material from our website or apps nor store any part of our website or apps in any other website or app or include it in any public or private electronic retrieval system
• You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text or explanation
• If you print off, copy, download or post to social media any part of our website or apps in breach of these Terms you must, at our option, return, destroy or procure the deletion of any copies of the materials you have made

License

You licence us to use any information, data, materials or other content (‘Content‘) you provide to us through our website or that we obtain on your behalf as part of the services we provide and you agree that we can use, modify, display, distribute and create new material using the Content so that we may provide our services to you and for any other purposes set out in these Terms, including our Privacy Policy. By submitting Content you confirm and agree that the owner of that Content has expressly agreed that, without any particular time limit, and without the payment of any fees, we may use the Content for the purposes set out in these Terms.

Limitation of our Liability

Please read the provisions of this section carefully, as they exclude or limit our liability for any losses suffered by you in connection with your use of our services. Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, any duties or liabilities that we owe to you under the Financial Services and Markets Act 2000 or the rules of the Financial Conduct Authority, nor any other liability that cannot be excluded or limited under applicable law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our website and apps, any content on them or services accessed through them, whether express or implied. We will not be liable to you or any third party for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

• Use of, inability to use or unavailability of, our website (or any part of it), websites linked to it, or our services
• Use of any products, data, information or services accessed or obtained or messages received or transactions entered into, through or from the services obtained or accessed through our website or apps including use of or reliance on any content displayed on or made available through our website or apps
• Unauthorised access to or alteration of your transmissions or data, or
• Any inaccuracy or incompleteness of any information received by you or by us through our website or apps or as part of our services
• We shall only be responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence. Loss or damage is foreseeable if it is an obvious consequence of our breach or if they were contemplated by you and us at the time you accepted these Terms

We are not responsible for any products or services provided by any other third parties. Those products are governed by separate terms and conditions of supply. You agree that we are not responsible or liable for any loss or damage you may suffer or incur in connection with any such product or services, or the terms and conditions applying to any contract you enter into with any third party in relation to any product or services, or for any acts, omissions, errors or defaults of any third party in connection with any product or services or the applicable terms and conditions.

Where we have indicated your likelihood of success with respects to products matched to your profile, or where we have provided indications of how much money you may save, these are provided for information purposes only and should not be relied upon when making decisions. We do not accept any liability or provide any guarantee with respects to your eligibility for or success in obtaining products matched to you or advertised on our website.

Although we take all reasonable steps to protect our systems using virus checking software, please note that any content downloaded from our website or apps is at your own risk. We do not accept liability for any loss or damage that you suffer as a result of any distributed denial-of-service attacks, computer viruses, Trojan horses, worms, software bombs or other damaging items resulting from your use of our website or apps. You are responsible for protecting your computer systems and other devices from exposure to viruses by the use of anti-virus software, firewalls and any other technical measures necessary. If you download our app or other digital content provided by us and you suffer damage to your device or other digital content you own because we have not exercised reasonable care and skill in creating such digital content, you may be entitled to compensation or repair at our expense pursuant to your statutory rights.

Ending this Agreement

We reserve the right at any time to terminate your agreement with us and your use of our website or any products or services contained in or obtained through our website, with or without cause, immediately upon our giving you notice in writing to the email address provided.

Please note that if you withdraw consent to the processing of your personal information, access to our website, apps and the associated services will be suspended or terminated. We may keep records or data derived from your personal information in accordance with our Privacy Policy.

General

The headings used in these Terms are for convenience only and shall not affect their interpretation.

In these Terms, unless specified otherwise, use of the singular includes the plural, use of any gender is deemed to include every gender and any reference to a person includes a corporation, a partnership and any other body or entity, and vice versa. Use of the words, includes or including or similar words or phrases means without limitation and the use of these or similar words or phrases shall not limit the meaning of the general words.

We shall not be liable for any delay or failure to provide our services or perform any obligation under these Terms if the delay or failure is caused by circumstances beyond our reasonable control.

Nothing in these Terms is intended to confer on any person any right to enforce any term of these Terms which that person would not have had but for the Contracts (Rights of Third Parties) Act 1999.

Each of the provisions of these Terms (or part of any provision) is severable. If any such provision is or becomes illegal, invalid or unenforceable in any respect under the law of any jurisdiction that shall not affect the legality, validity or enforceability of the other provisions of these Terms. The provision itself shall apply with the minimum modification necessary to make it legal, valid and enforceable. Failure or delay by us in enforcing these Terms shall not be a waiver of that or any other provision of these Terms.

You may not assign any of your rights or obligations under these Terms. These Terms (including our Privacy Policy and Cookies Policy) constitute the whole agreement and understanding between you and us in relation to the use of our services. By using our website or our services you consent and agree to the processing of your personal information and our use of cookies in accordance with them. Except in case of fraud, all previous agreements, understandings, undertakings, representations, warranties, promises and arrangements between you and us relating to the subject matter of these Terms or your use of our website or our services are superseded, except as otherwise expressly stated in these Terms.

You agree that any notices and other communication may be given by us by email or posted on our website and this will comply with any legal requirement for such communications to be in writing. You also agree that any notice or other communication made in such manner will be deemed received by you 24 hours after email or posting.

Disputes and Laws

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with English law and shall be subject to the exclusive jurisdiction of the English courts.

You should also remember that these aren’t a complete list of all your or our rights or responsibilities, as there might be others under general law. If you want more information about your general rights as a consumer, contact a consumer advice organisation, such as the Citizens’ Advice Bureau.

Contact us

If you have any questions about or feedback on our Terms and Conditions or wish to make a complaint about our services, please inform us by emailing support@lifezy.co.uk If you have made a complaint about our services and we have provided a final response which is not to your satisfaction or you have not received a response within eight weeks of making your complaint, you can ask the Financial Ombudsman Service to investigate. The contact details for the Financial Ombudsman Service can be found here.

Lifezy is a trading name of Score Genius Technology Limited, any references to Lifezy are references to Score Genius Technology, Company Registration Number: 11498853. SGT is authorised and regulated by the Financial Conduct Authority under reference FRN 830950.

References in this Privacy Policy and on our platforms or communications to “we”, “our” or “us” are references to Score Genius Technology. References to “you” and “your” means each natural or legal person who uses our services.

All references to our website include references to our mobile application.

In order for us to provide our unique Personal Finance Management service to you Lifezy gathers data from you or that you need to give data to us. Protecting your privacy and information is of the utmost importance to us. Before using our app or web platform, or registering with us, please take the time to read our Privacy Policy in detail. It’s crucial you’re informed about your privacy when using Lifezy. Our Privacy and Cookies Policies, and our Terms and Conditions are compiled to demonstrate our practices and procedures regarding how we gather and undertake the processing of your data.

When using our services via Android/iOS app and our website, you are thereby accepting and consenting to our practices and procedures described in this Privacy Notice. The data controller of your information is Score Genius Technology of 419 Richmond Rd, Twickenham TW1 2EX.

Our data controller registration number is ZA516139. Our registration on the Data Protection Public Register can be found at https://www.ico.org.uk/esdwebpages/search .

Privacy Policy

• The information we collect
• How we use the information
• Who we may share your data with
• Energy helpline / Fundraising Innovations Ltd
• What’s the legal basis for us using this information
• How long we keep your information for
• How we protect your information
• What direct marketing will you receive
• How you can change your direct marketing preferences
• Links to and from third party websites
• Automated Decision Making
• Your rights
• Changes we make to our Privacy Policy
• Who are the Information Commissioners Office (ICO)
• Your right to lodge a complaint with the ICO
• Contact us

1. The information we collect

• You give us when you sign up with us
• We obtain from your use of our website and app
• We acquire information from Experian and their subsidiary FraudNet
• We receive that other third parties pass us about you
• We obtain through telephone communications
• We obtain from cookies (Please refer to our cookies policy)

We may collect and process the following data about you:

Information you give us.

You will give us information about yourself during your use our web platform, app and if you communicate with us. Also if you tell us about a problem, complete a survey or answer questions, give us feedback or participate in forums.

• Title
• Name
• Contact details
• Date of birth
• Income
• Monthly expenditure
• Property value
• Deposit
• Mortgage details
• Energy and gas tariff details
• Address history
• Employment info
• Bank Accounts (Current and Savings)
• Monthly rental payments or income
• Driving license details

Special categories of data.

If you access some of our services (e.g. credit; insurances) we may ask you for or we may obtain special categories of data:

• Claims history
• Health Data
• Criminal Convictions
• County Court Judgements

Each and every time you use our app or our website we may collect the following information:

Information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our website which includes date and time; products you viewed, products searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs) and methods used to browse away from the page and any phone number used to call our customer service number.

Technical information, including your login information, the Internet protocol (IP) address, time zone setting, operating system, browser type, version and platform.

Information we collect from Credit Reference Agencies on your behalf.
If you register to use our services, we will obtain your credit score and credit report from the leading Credit Reference Agency - Experian.

We work with a number of third parties and they may pass us information about you. These third parties include but are not limited to business partners, advertising networks, search information providers, service providers, analytics providers and social media. They may pass us your credit report, products you have taken out or been refused, if you’ve used other products, and other similar details. We may also receive information about you if you use any of the websites we operate or the other services we provide.

We may collect information from telephone calls and other communications between us, which we may monitor or record.

We collect information about your use of our website from cookies. Please refer to our Cookies Policy for more on how we use cookies and how turn them off or decline them.

2. How we use the information

The information we hold in connection to you to communicate with you, provide you our services and improve on those services. We use your anonymized information for profiling, analysis and research

We will use this information:

• To make recommendations about products or services that may be of interest
• To improve our services
• To understand the impact of the advertising we show you, and to ensure the advertising is relevant
• For internal operations – testing, data analysis, troubleshooting, research, statistical and survey purposes
• In our efforts to prevent fraud and keep our website safe and secure

• For our identity authentication process to verify your identity
• Run your account and communicate with you by telephone, mail, email, text (SMS) message, or push notification
• Provide you with information, services and products
• For profiling and analysis of your credit information to inform you of credit products that we believe are likely to be of interest to you and are suitable to your credit profile
• Notify you about changes to our services
• Guarantee that content on our platforms is presented in the most effectual method for you and your device
• Should you have given your consent for us to market other services and products to you
• Aggregate it on an anonymous basis with other data for data analytical and reporting purposes
• To improve our services

We may use information from other source with information you give to us for the purposes outlined above.

We may use telephone recordings and/or other communications to improve our services, verify your instructions to us, analyses and assessment, as well as for training and quality purposes. For investigation of any complaint you may make, or as evidence in any dispute between you and us.

We will never sell your information to third parties without your consent. Lifezy operates a ‘by consent’ policy to enable faster optimised applications for products.

3. We may share your data with:

Other members of our group and with other third parties, such as our service providers, advertisers, Experian, and Fraud Prevention Agencies. We may need to share your data to others to enable them to provide you with the information, products and services and you request. Your data may be disclosed to the other third parties as listed below. These third parties process your information under our instructions. To verify your identity, prevent fraud and money-laundering, information we have collected from you will be shared with fraud prevention agencies who will use it.

If fraud is detected, you could be refused finance, services, or employment.

Under GDPR, a sub-processor is any business or contractor customer information may pass through as a side-effect of using Lifezy’s services. We use partners for some business processes that are critical to our customers having a quality experience. Here is a list of our sub-processors who we may share your information with:

Sub-processors

AWS – Cloud Hosting Provider

MailChimp – Customer Relationship Management Tool

Experian – Data Provider for Credit Score and run part of the Market Place

True Layer – Access to Open Banking

Energy Helpline – Utilities Swaps

Amazon Web Services

Cloud Service

Group company.

We may share your personal information with any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries.

We may also share your information with selected third parties including:

• Fraud prevention agencies, to verify your identity, prevent fraud and money-laundering and trace those responsible (please refer to “Fraud Prevention Agencies” below for further detail)
• Experian, to obtain your credit report and credit score on your behalf and to provide our services to you (please refer to “Credit Reference Agencies” below for further detail)
• Product providers, such as our business partners who offer you loans, credit cards, insurance, mortgages, car finance, pensions, investments and other similar products, in order to:
• Pre-fill an application form with the product provider
• Assess your probability of being accepted for a product
• Assess if you are an existing customer and for fraud prevention purposes
• Analysis in order to offer you with better products and services in the future, and for segmentation purposes
  Product providers are not given permission to use your data for any other purpose, including marketing
• Service providers we use, such as aggregators and comparison sites, who will analyse and profile your credit information and any other data provided on your behalf, or by you, to find credit products that are likely to be suited to your financial circumstances and inform you of then through targeted advertising. When you search for credit offers on our platforms, these service providers will record a ‘soft credit search’ on your credit file. This record will not be visible to other lenders, so by itself it will not influence their decision to lend to you and thus will not affect your credit score
• Advertisers that require data, to perform services on our behalf, including selecting and serving relevant adverts
• Search engine providers and analytics that enable us to optimize and improve our service
• If 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 (or the buyer or seller’s advisers)
• 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 and other agreements; or to protect the rights, property, or safety of Lifezy, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction
• If we or part or all of our assets are acquired by a third party, one of the transferred assets will be the personal data held by us about our customers

If you register for our services we will obtain on your behalf, in accordance with our Terms and Conditions, copies of your credit report and credit score from our partner Credit Reference Agency, Experian, with whom we will share your information. Fraud Prevention Agencies and used by those organisations for the purposes of checking identity, preventing fraud, tracing and collection of debt. Experian may also use your data for statistical analysis. If you apply for a product, the lender will undertake a full credit check with one of the Credit Reference Agencies and provide you with further privacy information for that product.

We operate Score Genius Technology Ltd. in conjunction with UK credit reference agency Experian. By submitting your details to us, you are consenting to them being passed to Experian and to us letting you know every time your Experian Credit Score or report data has been updated. Experian may share the information they collect from us with fraud prevention agencies, including Cifas, who will use it to prevent fraud and money-laundering and to verify your identity. Law enforcement agencies may access and use this information. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by Experian and these fraud prevention agencies can be obtained by writing to Experian at Experian Ltd, PO Box 8000, Nottingham, NG80 7WF. Experian and other organisations may access and use the information recorded by fraud prevention agencies from other countries. More information about your rights in relation to the personal data Experian hold can be found in the 'Your rights to how we use your personal information' section of their Privacy Policy. For further information about how your details will be used by Experian, please see the rest of our Privacy Policy and Experian's Privacy Policy : https://termsandconditions.hdd2.co.uk/scoreandreport

We will share your personal information with fraud prevention agencies. If inaccurate or false information is provided and fraud is identified, details of this fraud will be passed to these agencies and to law enforcement agencies, who may also access and use this information. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. (difficult to reword)

4. Energy helpline

Our domestic online energy comparison and switching service is supported by our trusted partner, Fundraising Innovations Ltd (company number 04426857), trading as energy helpline (registered address - The Cart Wagon Lodge, Friday Street Farm, Friday Street, East Sutton, Kent, ME17 3DD) who processes data securely and in line with Data Protection regulations. As Data Controller the Partner is responsible for capturing the information you enter into a switch application in order to forward it to your chosen supplier, to enable them to set up your new energy account(s). Once your data is passed to your chosen supplier they will process it in line with their Privacy Policy, which we are not responsible for. For further information on how your data is processed please refer to the Partner’s Privacy Policy on their website. If you are using our offline inbound switching service, you also need to include the following

Our domestic telephone-based energy comparison and switching service is provided by our trusted Partner Fundraising Innovations Ltd (company number 04426857), trading as energy helpline (registered address - The Cart Wagon Lodge, Friday StreetFarm, Friday Street, East Sutton, Kent, ME17 3DD) who processes data securely and in line with Data Protection regulations. As Data Controller the Partner is responsible for capturing the information you enter into a switch application and forwarding it to your chosen supplier in order for them to set up your new energy account(s). Once your data is passed to your chosen supplier they will process it in line with their Privacy Policy, which we are not responsible for. For further information on how your data is processed please refer to the Partner’s Privacy Policy on their website

5. What’s the legal basis for us using this information?

We have an appropriate legal bases on which to collect, use and share data about you. If you have any questions about the lawful bases upon which we collect and use your personal data, you can contact our Data Protection Officer. support@lifezy.co.uk . Our lawful bases may include consent (where you have given consent), contract (where processing is necessary for the performance of a contract with you (such as delivering our core services to you) and our own legitimate interests.

Performance of a contract. The information you provide us with, and the information we collect about you from Experian or other third parties enables us to provide you with our services as agreed in our contract with you. Without collecting the information you give us we cannot provide our services to you. We need certain information from you in order to obtain your credit report and score and to show suitable financial offers to you and to provide our other services to you.

For other types of information, for example, the information we collect based on your use of the website and information we receive from our sources about you, we process this information for the purposes of providing our services to you as agreed in our contract and to enable us to:

• Analyse your behaviour and preferences
• Collect information from devices to be able to improve our services for our customers and improve the user experience on our website
• Provide a secure website to our customers

Legitimate interests. We may process your personal data for the purposes of our legitimate interests or for the legitimate interests of our product providers or other suppliers provided that such processing does not outweigh your rights and freedoms. For example, we may process your personal information to:

• Provide you with our service and improve upon it
• Comply with laws that apply to us
• Offer you tailored products
• Protect you and us from fraud or other threats
• Conduct analysis, segmentation and profiling of your data in order to provide you with direct marketing communications and quality control
• Manage our customer relationships

Where we rely on legitimate interests, you have the right to object at any time.

Consent. Where we are legally required to do so we will always seek your consent to process certain types of information. You have the right to withdraw or decline your consent at any time.

6. How long we keep your information for

While your account remains active, we keep your information for no longer than is necessary depending on the purpose for which we are using it. How long we keep your information will depend on the purpose for which we use it. While you are a customer of ours, we will only retain your information for as long as is necessary for those purposes. After termination of your account, we may continue to use anonymised data (which does not identify individual users) which is aggregated with anonymised data of other users. We use this aggregated anonymised data for data analysis, profiling and research purposes, for example to gain insights about our users. We may also keep your email address to ensure that you no longer receive any communications from us as well as your name, date of birth and latest address for fraud prevention purposes and for the exercise or defence of a legal claim.

7. How we protect your information

We take date security very seriously and use strict procedures and security to protect your information and prevent unauthorized access, loss or damage. All information you provide to us, or is provided to us about you, is stored on our secure servers.

We cannot currently guarantee the security of your data transmitted to our website; any transmission is at your own risk. Where possible, we try to only process your information within the UK and European Economic Area (EEA). If we or our service providers transfer personal data outside of the UK or EEA, we always require that appropriate safeguards are in place to protect the information when it is processed. Part of our customer services function is based in India. We have put in place safeguards to protect personal data processed in or accessed from India.

8. What direct marketing you’ll receive

We offer you the possibility to receive direct marketing information from us. Whenever you want, you can easily opt out of receiving marketing from us. We’ll normally send direct marketing to you by email, and with push notifications to your devices and we may contact you via other methods, for example SMS. You may receive the following types of communications from us:

• Core communications- we will send you alerts whenever there is a change to your credit report, significant changes which may impact our service and security alerts pertaining to your Lifezy account and other such related content. As these communications are such an intrinsic part of using Lifezy they cannot be opted-out of.
• Product recommendations- if you explicitly consent to receiving them, we’ll make personalised product recommendations which could help you improve your financial situation. You can unsubscribe whenever you like.
• Content communications- we’ll send you content such as but not limited to tips, news, features and on how to make the best of your money and other similar content. You can unsubscribe from these at any time. At Lifezy we are anti-spam and will never spam you.

9. How You Can Change Your Preferences

If you would like us to stop receiving direct marketing from us, we offer easy ways foryou to opt out. Whenever you receive direct marketing you will be given an option tounsubscribe.

You can also write to us and tell us that you do not wish to receive any more marketing communications, with your full name, address and any other contact details you can provide, to:

Data Protection Officer
Score Genius Technology Limited
419 Richmond Rd,
Twickenham
TW1 2EX

10. Links to and from third party websites

Please be aware that if you follow a link to or from our website to a third party website, including links from websites of our partner networks, advertisers and affiliates these websites have their own privacy policies. If you follow a link to or froma third party website, and that we do not accept any responsibility or liability for these privacy policies.

11. Automated decision making

We use an automated decision making system to make automated decisions based on personal information we have about you. This helps us to make sure our decisions are quick and fair, based on what we know.

Identity verification
In order to provide you our services, we must be able to verify your identity. We use an automated decision making system to verify the details you provide against those held by third party providers. If you do not pass the check using the automated system, we cannot provide our services to you.

Relevant communications
We will use your information to determine the likelihood that your application will be accepted for a product, or to ascertain the best manner to present products to you.

Specific products and services
We will use your information to determine the likelihood that your application will be accepted for a product, or to ascertain the best manner to present products to you.

You have the right not to be subject to a decision based solely on automated processing, including profiling. If you prefer to have a non-automated decision, please inform us. Or if you have any questions about automated decision making, please contact us at support@lifezy.co.uk

12. Your rights

You can exercise specific rights with regards to the data that we hold about you. We will provide you with the necessary tools and contact details to be able to exercise your statutory rights regarding the information that we hold about you. You will be able to:

Update or correct your information:
through the settings in your account, you will be able to update, or amend any information that we hold about you that is incomplete or inaccurate

Request access to your information
you can ask for access to the personal data that we hold about you so that you can check that we are using your information in accordance with data protection law.

Delete your information
you can ask us to delete your personal information, which we will do unless it is necessary for us retain it to comply with our legal obligations. Once deleted, it is unlikely we will be able to provide our services. We may keep your email address to make sure the restriction is respected in future.

Object to the use of your information
you may ask that we no longer use yourpersonal information where that use is based on a legitimate interest.

Restrict the use of your data
You have the right to ‘block’ or suppress further use of your information in certain circumstances (for example, where you think the information we are using about you is inaccurate, whilst we verify its accuracy). When usage is restricted, we can still store your information, but may not use it further.

Download your data
you can obtain a copy of the data you provided us in a machine-readable format.

Send it to another controller
where certain conditions apply, you have the rightto have such information transferred directly to a third party.

Right to withdraw consent:
You can exercise your rights at any time, and withdraw your consent for us to use your personal data by contacting our Data Protection Officer support@lifezy.co.uk .

13. Changes We Make to our Privacy Policy

This page will be updated with any changes we may make to our Privacy Policy and where appropriate and necessary, you will be notified about changes by email. Please check this page frequently for any updates or changes to our Privacy Notice.

14. Who are the Information Commissioners Office (ICO)

The ICO is the UK’s independent body set up to uphold information rights.

15. Your Right to Lodge a Complaint with the ICO

If any complaint you raise with us is not dealt with in a satisfactory manner, or you believe we are not processing your personal data in compliance with data protection law, we ask that you contact our Data Protection Officer. However, you may choose to make a complaint to the Information Commissioner’s Office (ICO) at any time. Please see the ICO website for further information - https://ico.org.uk/for-the-public/raising-concerns

16. Contact Us

Please send any questions, complaints, comments or requests about this Privacy Policy to the Data Protection Officer at support@lifezy.co.uk .