Updated Privacy Policy will be made available with a new “Last Updated” date mentioned below, in case of any changes.

Last Updated: Jul 2025

We gather two kinds of data from you: Personal Information that you opt to disclose voluntarily, and Website Use Information, which is anonymous aggregate information collected in a way that is not visible to you or other website visitors.

The personal information captured on any pages is used to match you with an expert equity release adviser. All advisers are authorised by the UK’s Prudential Regulation Authority (“PRA”) or Financial Conduct Authority (“FCA”) to provide advice on and arrange, equity release products, and work with providers in the Equity Release Council. Should you wish to confirm the regulated status of an equity release provider, please use the following links:
PRA: https://www.bankofengland.co.uk/prudential-regulation/authorisations/which-firms-does-the-pra-regulate
FCA: https://register.fca.org.uk/s/

Examples of personal data that you may provide to TimeBank include your name, address, phone number, and email address. By providing your personal information, you agree to us using it to contact you with information related to the website or regarding third-party products and services.

If you provide personally identifiable data to us, you may later request in writing to have that information deleted from our files or kept from being used for purposes other than for the service requested, by following the opt-out procedures set forth below.

We monitor and log your usage of the Website, including the pages you visit, your browser type, IP address, referring URL, and timestamp information. This data helps us manage and maintain the Website and may also be used in aggregate to analyze user behavior and preferences, and to gauge interest in various parts of the Website.

We also reserve the unequivocal right to release part or all your information, to the maximum extent permitted by law if:

(1)We believe that the Website is being or has been used to commit unlawful acts.
(2)Upon the receipt of any reasonable and verified request from Police or other enforcement authorities either in the UK or abroad.
(3) The information is subpoenaed or otherwise required in a court proceeding.
(4) You violate or breach an agreement with the Website.
(5) You have submitted fraudulent or otherwise invalid information to this Website.
(6) We believe that you may harm, or have harmed, our property rights or those of our members, our employees, the Website’s other users or any other trusted third party.
(7) We are sold to or otherwise acquired by any individual, entity or organisation (i.e., to a successor entity in the event of sale of the business, including merger, bankruptcy, or other ownership change).
(8) When we otherwise deem it reasonably necessary or appropriate.

In addition to any fee of which you may be notified, your provider’s standard messaging rates apply to our confirmation of your submission through the Website and all subsequent SMS correspondence.

We may use cookies and log files to optimise and personalise your experience and allow us to monitor site traffic patterns.

When you log on to our Site a “cookie” is placed on your computer. Cookies allow us to validate your identity and maintain the security and privacy of your account data. We may share, sell, or license cookies collected from your browser and hard drive to trusted third-party partners and advertisers.

These trusted and authorised third parties may link your name, address, and e-mail address to other information which they collect, such as past online / offline purchase information and Web usage from other sites. To learn more about this practice click here:http://www.networkadvertising.org/managing/opt_out.asp

We take reasonable measures to safeguard your information by monitoring our network and data for possible breaches. Additionally, we adhere to industry-standard security practices, including the use of SSL encryption for transmitting sensitive information. We have also implemented physical, electronic, and managerial procedures to secure the information we collect.

Please note that communications via email or mail may not be secure unless we have explicitly informed you of the security measures in place. Therefore, we advise against sending sensitive information through these means and assume no liability for any potential risks associated with doing so.

If you need to modify or rectify any personal information you have provided to us through the Site, you can send us the updates and corrections, and we will make reasonable efforts to promptly update or change the information in our possession.

Third-party websites, including those with which we have no affiliation, may be linked to the Website. We do not assume responsibility for their privacy practices. It is suggested that you read the privacy policies of all third-party websites.

If we need your prior consent for certain processing activities, we will provide you with the necessary information and reason for such processing. You have the right to withdraw your consent at any time, and we will stop processing your data and delete it, unless we have another legal basis for such processing.

In certain circumstances, for example if you are a UK or EEA resident, you may exercise the rights available to you (with some exceptions and restrictions) under the UK or the EU data protection laws as follows:

• Access: If you wish to exercise your right to access a free copy of your data, you can contact us.
• Portability: If you wish to receive personal data that you have provided to us in a structured, commonly used and machine-readable format, please contact us. Please note that this right applies only to the information that is processed by automated means, on the basis of consent or performance of a contract.
• Deletion: To ask us to delete your personal data, please contact us. However, there may be circumstances where we are legally entitled to retain certain data.
• Rectification: If you wish to update or rectify your data, please contact us.
• Restriction: To request the restriction or suppression of your personal data, please contact us.
• Revoke consent for direct marketing: If you wish to object to the processing of your data for direct marketing, you can opt-out by contacting us or clicking on the ‘unsubscribe’ link in any marketing email or newsletter you receive from us.
• Objection to legitimate interests: If you wish to object to our processing of your data where we are pursuing our legitimate interests or those of a third party, please contact us, stating the nature of and reasons for such objection.
• Complain: You also have the right to lodge a complaint about us with your local supervisory authority, for example the Information Commissioners Office in the UK.

Exercising Your Rights

To exercise your rights under the GDPR, please contact us indicating the type of right you would like to exercise and that you are making the request under the GDPR. In case of requests for deletion, please note there may be circumstances where we are legally entitled to retain certain data.

We may seek to verify the identity of the person submitting the request.

Where you are making a request via a third party, we need to be satisfied that the third party making the request is entitled to act on your behalf and may ask the third party to provide evidence of this entitlement. If we are satisfied that the third party has the appropriate authority, we will respond directly to that third party.

When contacting us relating to data deletion requests please email us at dataprotect@rpl8go5rvv-staging.onrocket.site.