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 * Services
   * Credit Search
   * Open Banking
   * Marketplace Services
   * Probate Services
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Services Credit SearchOpen BankingMarketplace ServicesProbate Services
Contact Us


MARKET LEADING CREDIT SEARCH & OPEN BANKING PLATFORM

We provide business services to companies that need access to consumer credit &
banking data, with a range of FCA umbrella services, in a simple to use modular
interface. See how we can help today.
Get Started

FCA Compliance
We offer a comprehensive range of umbrella services that enable quick to market
solutions for almost any type of requirement
Credit Search
We partner with Experian & Equifax to provide comprehensive credit reference
data in just a few clicks via our portal, or via API
Open Banking
We’ve enriched open banking data through our partner Truelayer to provide
transactional data, affordability reports & more
Marketplace
Have existing customers? Why not cross sell financial products, energy, or car
insurance with our white label solutions
Powering todays financial technology
Build smarter, work faster. Access a range of restful API's to power real time
decisioning, and dramatically improve both business throughout and user
experience.
Powering todays financial technology
Build smarter, work faster. Access a range of restful API's to power real time
decisioning, and dramatically improve both business throughout and user
experience.
Marketplace Services
Generate more revenues from your existing user base with our white label,
iFrame, or API solutions. We currently have over 30 lenders on our credit panel,
including Barclays, HSBC, Natwest & more.
Contact Us
Marketplace Services
Generate more revenues from your existing user base with our white label,
iFrame, or API solutions. We currently have over 30 lenders on our credit panel,
including Barclays, HSBC, Natwest & more.
Contact Us
Work in the probate sector?
Why not try our fully automated asset search tools? Access the information you
need in seconds, not weeks. This will help reduce costs, whilst significantly
increasing data processing times.
Learn More
Work in the probate sector?
Why not try our fully automated asset search tools? Access the information you
need in seconds, not weeks. This will help reduce costs, whilst significantly
increasing data processing times.
Learn More
Latest Industry News
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Building a FinTech Platform: A brief handbook on FCA Umbrellas



SERVICES

Credit SearchOpen BankingMarketplace ServicesProbate Services

LEGAL & COMPLIANCE

Terms & Conditions Privacy Policy How to Complain Cookie Policy
Contact Us
20-22 Wenlock Road, London, N1 7GU
Copyright © 2023 Creditsu. All rights reserved. Creditsu is a trading style of
Creditsu Limited. Creditsu is an authorised representative of Creative Finance
Corp LTD under reference FRN989825. Creative Finance Corp LTD is authorised and
regulated by the financial conduct authority under reference FRN 702435, and is
the principal firm of Creditsu.

COOKIE POLICY

Lifezy uses cookies for a variety reasons, including ensuring that our website
functions in accordance with the requirements of our business, our partners and
users; logging your preferences and collecting information on the users of our
services, including our website.
When you use our services you will agree that this Cookies Policy, together with
our Privacy Policy and Terms and Conditions, are relevant and applicable.
References to our website below include references to our apps.
Protecting you, and any information that we collect about you online, is
paramount. Our Cookies Policy informs you about why we use cookies, and how we
use Cookies to improve the services we provide.
What are cookies?
Cookies are files containing small amounts of information downloaded to your
device. We and our third party service providers use both session cookies and
persistent cookies.
 * Session cookies last for the length of your visit and are deleted as soon as
   you close your browser. They allow us to follow a user’s journey and identify
   the movement between pages; support website security and functionality.
 * Persistent cookies stay on your device after your browser has been closed,
   and enable a website to remember your references and actions, thus improving
   the service for you. Every time you visit the website where the cookie was
   generated, they are activated. Persistent cookies can be used by websites to
   target advertising based on the browsing history of the device. They are
   stored by the browser and will be valid until their set expiry date. They can
   be deleted by the user before that expiry date.

Cookies may be either "persistent" cookies or "session" cookies, depending on
how long they are used.
The majority of cookies we use are session cookies. They help us to ensure the
security of your session, and enable you to remain signed in to your Lifezy
account as you navigate between pages.
We use cookies for numerous reasons, including improving our website and making
it easy for you and all other users to use, and also to remember your
preferences.
Your web browser - Google Chrome, Internet Explorer, Safari or Mozilla Firefox,
or any similar browser; send cookies back to our website or application every
time you visit our website.
We, and our third party service providers, use the information the cookies
provide about you for the following purposes:
 * to recognise your device/devices whenever you visit our website and log any
   preferences you have set on our website, which allows us to personalise our
   content for you, including using your name
 * to remember if you’ve previously been informed of and agreed to our Cookies
   Policy, Privacy Policy and other Terms and Conditions
 * to analyse use of our website including for but not limited to, sales and
   marketing research, and performance and statistical analysis.
 * to test out new content and analyse whether it is effective
 * to ensure our website is easy to use and up to date
 * to temporarily store certain information you give us, for example, as part of
   customer surveys
 * to target information that is most relevant to you, including our
   notifications, website content, marketing campaigns and direct marketing
   emails, as well as evaluating our Internet banner advertisements on our
   website and on third party websites
 * to monitor traffic to our website and analyse how you navigate within it,
   such as tracking page usage and paths used; and tracking use of our Internet
   banner advertisements and other links from our marketing partners’ websites
   to our website
 * to allow you to share pages with social networks such as Facebook, Twitter,
   Instagram and LinkedIn and to support social media components, like Facebook
   or Twitter (where our website uses a plugin from these third party platforms)

If you prefer us not to use these cookies, then you can disable cookies via a
setting in your browser (see information on ‘Turning Cookies Off’ below.)
We may use the data we get from Cookies on your web history and usage with other
relevant information we have collected from you, or about you. We securely store
this information in order for us to have a greater and more focused
understanding of how you and other users are using our website, as well as
user’s interests and preferences, for the reasons listed above.
More about the cookies we use
The cookies we use are both cookies that we set, which are referred to as first
party cookies, and cookies managed for us by third parties.
A cookie is either a first or third party cookie depending on the website the
cookie comes from.
First party cookies are created by the host website or domain visited, in this
case Lifezy. All other cookies are third party cookies. These cookies log each
visit to our website, the pages you visited and the links you followed. They
also record how you used the site, for example where you hovered the cursor; how
long it took you to click a link etc. We use this information to improve our
website and your user experience, and to make the website and advertising shown
to you as relevant to your preferences as possible. We may also share this
information with third parties for this purpose. We use retargeting and online
behavioural advertising to market Lifezy which employs targeting cookies to
deliver you more targeted advertising.
Third party cookies: are created by website and domains other than the one you
are visiting directly. The cookies collect information in an anonymous form,
including the number of visitors to the site, where visitors have come to the
website from and the pages they visited, retargeting and ad-serving. Cookies
which are managed for us by third parties, are managed in line with the purposes
listed above and cannot be used for any other reason.
Web analytics services: we use web analytics services in order understand how
you and other users navigate and use our website. We do this to ensure our
services are easy to use and our products are relevant and up-to-date. The
benefit is being able to test different page designs or features, to see which
is preferred, identify bugs or errors, and see what services we offer are most
popular. These web analytics services may be provided by other companies on our
behalf. They do this using small invisible images known as “web beacons” or
“tracking pixels” that may be included in the digital products and services on
our website.
By using our website, you agree that we can place both first party and third
party cookies and web analytic services on your device.
Specific cookies we use
Below is a list of all the cookies we use, what they are used for, and whether
they are ‘first party’ or ‘third party’. Where a cookie is a third party cookie,
please visit the providers’ website for further information.
Turning Cookies Off
You can disable cookies within your browser, however this will mean that parts
of our website will no longer function as you would expect and we will not be
able to deliver our full service to you. Browsers allow you to reject cookies
and choose to enable do not track features. Please check the links we have given
below to learn how to do that.
If you delete cookies any preferences they recorded will be no longer be logged.
This will include opting out from cookies, as this requires an opt-out cookie to
be set.
If you are concerned about third party cookies, you can reject those cookies,
rather than all cookies, which will enable us to still provide our services to
you with the functionality that you would expect and that our full service
requires.
If you would like to stop your browser from accepting cookies, please see
information on the following browser pages:
 * Google:
   https://support.google.com/accounts/answer/61416?co=GENIE.Platform%3DDesktop&hl=en
 * Internet Explorer:
    http://windows.microsoft.com/en-us/windows-vista/block-or-allow-cookies
 * Chrome:
    https://support.google.com/chrome/bin/answer.py?hl=en&answer=95647&p=cpn_cookies
 * Safari: https://support.apple.com/en-gb/guide/safari/sfri11471/mac
 * Mozilla
   Firefox: http://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences

More about the cookies we use
We reserve the right to make changes to our Cookies Policy. This page will be
updates with any changes we may make to our Cookies Policy. Whenever necessary
and appropriate, we will notify you of changes to this policy by email. Please
check back here frequently to see any updates or changes. Your continued use of
our website is taken as your agreement to any such changes.
Contact Us
If you have any questions about cookies, the cookies we use or our Cookies
Policy, please contact us  support@lifezy.co.uk
Further Reading
If you would like to know more about cookies, you can find more information
through the links below.
https://www.aboutcookies.org.uk/
http://www.allaboutcookies.org/
http://www.bbc.co.uk/webwise/guides/about-cookies
https://ico.org.uk/media/for-organisations/documents/1545/cookies_guidance.pdf
http://www.youronlinechoices.com/uk/download-guide

HOW TO COMPLAIN

Complaints handling procedure
Any expression of dissatisfaction about the provision, or failure to provide, a
financial service and redress determination/complaints handling procedure which
alleges that the complainant has suffered (or may suffer) financial loss,
material distress or material inconvenience is treated as a complaint. This
includes correspondence in writing and that made during the course of verbal
communication. Where any customer expresses concern about the service, steps
should be taken to resolve that matter and it should be treated as a complaint.
Complaints may be received directly from customers or from third party
representatives. In the event of any complaint the matter must be recorded and
logged, and referred to the nominated complaints handler in accordance with our
complaint handling procedure.
Any complaint received from a third party representative such as Trading
Standards or the Citizens Advice Bureau will be referred to the nominated
complaints handler.
It is our aim to always exceed your expectations and we hope you never find
cause for dissatisfaction. However, we would encourage you to make us aware of
any complaint you may have and give us the opportunity to put it right.
This notice outlines our complaints procedure, the type of complaints it will
manage and handle, timescales, the process you should expect us to employ and
where to go should we not be able to resolve your complaint, or should you not
find a satisfactory resolution to your complaint.
This complaints procedure is aimed at resolving complaints quickly and
satisfactorily and further improving the quality of our service.
What our complaints procedure covers
You may wish to make a complaint with regard to the services which we have
provided to you, which include:
 * Manual errors or mistakes
 * Unexplained delays
 * Staff behaviour / conduct
 * Breach of contract / terms of business

Lifezy (or it’s group of companies) is not responsible for any issues or
disputes relating to your credit file. This data is owned and operate by our
partner Experian. Any queries or complaints that relate to your credit profile
should be directed to
https://www.experian.co.uk/consumer/product-factsheets/complaint-handling-procedure.pdf
How to make a complaint
If you are unhappy with the service we have provided to you for any of the
above, you should in the first instance discuss the situation with a member of
the Operations Team (operations@lifezy.co.uk). Should a satisfactory resolution
not be reached, your complaint will be escalated to the Complaints Management
Team. A written acknowledgement will be sent to you within 5 working days of
receiving the complaint
In the first instance, should you prefer to, you can write a letter of complaint
and post or email it to us. The same timescales will apply. Please find contact
information at the bottom of this notice.
If you are making a complaint we recommend you have the following information to
hand, as this will allow your complaint to be handled quicker:
 * Your name and reference number
 * Contact details – including preferred time and method of contact
 * Nature of your complaint – including dates / timescales involved
 * Names of any staff dealing with / involved in your complaint (where known) or
   provide a description of the staff (if possible) where their name is not
   known
 * Any relevant additional information

How we will action your complaint
Our Operations Team are trained to handle your complaint sensitively and
efficiently. We will listen to you and seek to understand your experience in
detail. We will ask questions and will ensure we have the full picture before
taking action or providing a response / resolution.
We may also need to further investigate your complaint, this might mean we need
to speak with employees involved, check system notes, current process, or listen
to call recordings before we can action the complaint.
We aim to have your complaint resolved to your satisfaction at the earliest
opportunity, and within 4 weeks from the date we receive your complaint. We will
keep you updated on the progress of the measures being taken to resolve the
complaint.
Once all information has been considered you will be contacted by letter or
telephone to confirm whether the company accepts, either completely, or to some
degree your complaint.
Where applicable, you will be advised of what steps the company will take to put
right the complaint and ensure that the same problem does not reoccur.
Where more detailed investigation is required the process may take longer than 4
weeks. In any event, we will respond to your complaint in full within 8 weeks.
Financial Ombudsmen Service
If you are not satisfied with our final response, you may refer the matter to
the Financial Ombudsman Service, which can be contacted on the below;
Telephone: 0800 023 4 567/ 0300 123 9 123
20-22 Wenlock Road, London,
England, N1 7GU
complaints@lifezy.co.uk

Please note that you have six months from the date of our final response to
refer the matter to the Financial Ombudsman Service. We hope that you will
accept our decision. If this should not be the case, you remain free at all
times to seek an independent form of advice.
Contact Us
You can write to: Lifezy
20-22 Wenlock Road, London,
England, N1 7GU

You can email: complaints@lifezy.co.uk

TERMS & CONDITIONS

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:14400646. 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 ZA244537. 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.

PRIVACY POLICY

Lifezy is a trading name of Score Genius Technology Limited, any references to
Lifezy are references to Score Genius Technology, Company Registration Number:
14400646. 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 ZA244537. 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

We collect information that:

 * 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.

The information you give us may include but is not limited to:
 * 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

Information we obtain from your use of our website and app


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.

Information we receive that other third parties pass us about you


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.

Information from telephone calls and other communications


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

Information collected from cookies.


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

Information we collect about you based on your use of our website.

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

Information you give us, or that we collect on your behalf from Experian, or
other third parties will be used to:
 * 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

Information we receive from other sources.

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

Recording telephone calls and other communications.

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.

What we will never do.

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.

Subprocessors

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.

Groups of recipients within the specific industry sectors listed

Industry SectorExamples include, but not limited to:Automotivee.g. car
manufacturers, test drives, servicing, breakdown coverCharitye.g. animal
welfare, disaster relief, children’s medical, elderly, environmental,
healthLeisuree.g. food & drink, events, museums, cinemaFinancial productse.g.
banking, credit cards, investments, loans, mortgages, pensionsInsurancee.g. car,
home, life, medical, pet, income protection, travel, warranty productsHealth /
Mobilitye.g. fitness, beauty, opticians, hearing, care homes, mobilityHome
Improvementse.g. house moving, blinds & curtains, insulation,
boilers,conservatories, doors & windows, extensions, gardens,solar
panelsWillse.g. writing new Wills or reviewing existing WillsFuneral Planse.g.
to arrange and pay for a funeral in advanceMail Ordere.g. catalogues, online
retailersMarket Researche.g. to gather information about consumers’ opinions and
preferencesMediae.g. online, television, radio, newspapers, magazinesRetaile.g.
fashion, groceries, electrical goods, comparison sites, discounts,
FMCGTelecomse.g. landline, mobile phones, broadband, digital TVTravele.g. long
haul holidays, city breaks, flights, UK breaks, accommodationUtilitiese.g. gas &
electricity switching, other household utilities such as water

Selected third parties.

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

Credit Reference Agencies.

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.

Experian Ltd ("Experian")

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

Fraud Prevention Agencies.

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

For the online switches through the website:

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

For the offline switches through our call centre:

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 .