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SIPP)</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Guaranteed Income Solutions</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/guaranteed-income-solutions/fixed-term-annuity" target="_self" class="" title="LV= Fixed Term Annuity" role="menuitem"><span>LV= Fixed Term Annuity</span></a></li><li><a href="/guaranteed-income-solutions/fixed-term-investment" target="_self" class="" title="LV= Fixed Term Investment" role="menuitem"><span>LV= Fixed Term Investment</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="/guaranteed-income-solutions/fixed-term-investment/guaranteed-income-drawdown" target="_self" class="" title="Guaranteed Income Drawdown" role="menuitem"><span>Guaranteed Income Drawdown</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/personal-protection" target="_self" class="" title="Protection" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Protection</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Personal Protection</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/personal-protection" target="_self" class="" title="Personal Protection" role="menuitem"><span>Personal Protection</span></a></li><li><a href="/personal-protection/income-protection" target="_self" class="" title="Income Protection" role="menuitem"><span>Income Protection</span></a></li><li><a href="/personal-protection/life-and-critical-illness" target="_self" class="" title="Life and Critical Illness" role="menuitem"><span>Life and Critical Illness</span></a></li><li><a href="/personal-protection/life-protection" target="_self" class="" title="Life Protection" role="menuitem"><span>Life Protection</span></a></li><li><a href="/personal-protection/personal-sick-pay" target="_self" class="" title="Personal Sick Pay" role="menuitem"><span>Personal Sick Pay</span></a></li><li><a href="/personal-protection/family-income-benefit" target="_self" class="" title="Family Income Benefit" role="menuitem"><span>Family Income Benefit</span></a></li><li><a href="/personal-protection/gift-inter-vivos" target="_self" class="" title="Gift Inter Vivos" role="menuitem"><span>Gift Inter Vivos</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a 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class="section-heading">Products</h3><ul class="children"><li><a href="/equity-release" target="_self" class="" title="Equity Release" role="menuitem"><span>Equity Release</span></a></li><li><a href="/equity-release/lifetime-mortgage-lump-sum" target="_self" class="" title="Lifetime Mortgage Lump Sum Plus" role="menuitem"><span>Lifetime Mortgage Lump Sum Plus</span></a></li><li><a href="/equity-release/lifetime-mortgage-drawdown" target="_self" class="" title="Lifetime Mortgage Drawdown Plus" role="menuitem"><span>Lifetime Mortgage Drawdown Plus</span></a></li><li><a href="/equity-release/lifetime-mortgage-lump-sum-lifestyle" target="_self" class="" title="Lifetime Mortgage Lump Sum Lifestyle" role="menuitem"><span>Lifetime Mortgage Lump Sum Lifestyle</span></a></li><li><a href="/equity-release/lifetime-mortgage-drawdown-lifestyle" target="_self" class="" title="Lifetime Mortgage Drawdown Lifestyle" role="menuitem"><span>Lifetime Mortgage Drawdown Lifestyle</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/contact-us/equity-release" target="_self" class="" title="Contact us" role="menuitem"><span>Contact us</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Resources</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Resources</h3><ul class="children"><li><a href="/online-services/equity-release-portal" target="_self" class="" title="Equity Release Portal" role="menuitem"><span>Equity Release Portal</span></a></li><li><a href="/online-services/equity-release-portal/faqs" target="_self" class="" title="Equity Release Portal FAQs" role="menuitem"><span>Equity Release Portal FAQs</span></a></li><li><a href="/equity-release/adviser-marketing-hub" target="_self" class="" title="Adviser Marketing Hub" role="menuitem"><span>Adviser Marketing Hub</span></a></li><li><a href="/knowledge-centre/video-and-webinar-library/equity-release" target="_self" class="" title="Equity Release videos and webinars" role="menuitem"><span>Equity Release videos and webinars</span></a></li><li><a href="/equity-release/early-repayment-calculator" target="_self" class="" title="Lifetime Mortgage Early Repayment Calculator" role="menuitem"><span>Lifetime Mortgage Early Repayment Calculator</span></a></li><li><a href="/equity-release/lifetime-mortgages-updates" target="_self" class="" title="Lifetime mortgages updates" role="menuitem"><span>Lifetime mortgages updates</span></a></li><li><a href="/equity-release/equity-release-council" target="_self" class="" title="Equity Release Council" role="menuitem"><span>Equity Release Council</span></a></li></ul></li><li><h3 class="section-heading">Supporting your client</h3><ul class="children"><li><a href="/supporting-your-client/care-navigator" target="_self" class="" title="Care navigator" role="menuitem"><span>Care navigator</span></a></li><li><a href="/supporting-your-client/doctors-services" target="_self" class="" title="LV= Doctor Services" role="menuitem"><span>LV= Doctor Services</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/supporting-you" target="_self" class="" title="Support" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Support</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Knowledge centre</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/knowledge-centre" target="_self" class="" title="Knowledge centre" role="menuitem"><span>Knowledge centre</span></a></li><li><a href="/knowledge-centre/video-and-webinar-library" target="_self" class="" title="Video and webinar library" role="menuitem"><span>Video and webinar library</span></a></li><li><a href="/knowledge-centre/protection-webinar-calendar" target="_self" class="" title="Protection webinar calendar" role="menuitem"><span>Protection webinar calendar</span></a></li><li><a href="/knowledge-centre/news-hub" target="_self" class="" title="News hub" role="menuitem"><span>News hub</span></a></li><li><a href="/knowledge-centre/article-library" target="_self" class="" title="Article library" role="menuitem"><span>Article library</span></a></li><li><a href="/knowledge-centre/fuel-for-life" target="_self" class="" title="Fuel for Life" role="menuitem"><span>Fuel for Life</span></a></li><li><a href="/knowledge-centre/reaching-resilience" target="_self" class="" title="Reaching Resilience" role="menuitem"><span>Reaching Resilience</span></a></li><li><a href="/knowledge-centre/technical-hub" target="_self" class="" title="Technical Hub" role="menuitem"><span>Technical Hub</span></a></li><li><a href="/pensions/tax-year-end" target="_self" class="" title="Tax year end" role="menuitem"><span>Tax year end</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Claims</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/claims" target="_self" class="" title="Claims" role="menuitem"><span>Claims</span></a></li><li><a href="/supporting-you/claims/our-claims-approach" target="_self" class="" title="Our approach to claims" role="menuitem"><span>Our approach to claims</span></a></li><li><a href="/supporting-you/claims/real-stories" target="_self" class="" title="Real stories" role="menuitem"><span>Real stories</span><span class="new">New</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Protection underwriting</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/protection-underwriting" target="_self" class="" title="Protection underwriting" role="menuitem"><span>Protection underwriting</span></a></li><li><a href="/supporting-you/protection-underwriting/misrepresentation" target="_self" class="" title="Underwriting misrepresentation" role="menuitem"><span>Underwriting misrepresentation</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Trusts</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/trusts" target="_self" class="" title="Trusts" role="menuitem"><span>Trusts</span></a></li><li><a href="/supporting-you/trusts/types-of-trust" target="_self" class="" title="Types of trusts" role="menuitem"><span>Types of trusts</span></a></li><li><a href="/supporting-you/trusts/trs" target="_self" class="" title="Trust Registration Service - FAQs" role="menuitem"><span>Trust Registration Service - FAQs</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-you/protection-large-case-team" target="_self" class=" " title="Protection large case team" role="menuitem"><span>Protection large case team</span></a></li><li class=""><a href="/supporting-you/vulnerable-customers" target="_self" class=" " title="Vulnerable customers" role="menuitem"><span>Vulnerable customers</span></a></li><li class=""><a href="/supporting-you/suitability-letter-builder" target="_self" class=" " title="Suitability letter builder" role="menuitem"><span>Suitability letter builder</span></a></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Portals and integration</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/adviser-portal" target="_self" class="" title="Savings and Retirement Adviser Portal" role="menuitem"><span>Savings and Retirement Adviser Portal</span></a></li><li><a href="/online-services" target="_self" class="" title="Online services" role="menuitem"><span>Online services</span></a></li><li><a href="/online-services/portals" target="_self" class="" title="Third party portals" role="menuitem"><span>Third party portals</span></a></li><li><a href="/online-services/integration" target="_self" class="" title="Back office integration" role="menuitem"><span>Back office integration</span><span class="new">New</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-you/setting-up-an-agency" target="_self" class=" " title="Setting up an Agency" role="menuitem"><span>Setting up an Agency</span></a></li><li class=""><a href="/supporting-you/lv-news" target="_self" class=" " title="Our future plans" role="menuitem"><span>LV= news</span></a></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Consumer Duty</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/consumer-duty-hub" target="_self" class="" title="Consumer Duty" role="menuitem"><span>Consumer Duty</span></a></li><li><a href="/supporting-you/consumer-duty-hub/protection" target="_self" class="" title="Protection" role="menuitem"><span>Protection</span></a></li><li><a href="/supporting-you/consumer-duty-hub/savings-and-retirement" target="_self" class="" title="Savings and Retirement" role="menuitem"><span>Savings and Retirement</span></a></li><li><a href="/supporting-you/consumer-duty-hub/equity-release" target="_self" class="" title="Equity Release" role="menuitem"><span>Equity Release</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-your-client/why-lv" target="_self" class="has-sub " title="Why LV=" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Why LV=</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-your-client/why-lv" target="_self" class="" title="Why LV=" role="menuitem"><span>Why LV=</span></a></li><li><a href="/supporting-your-client/why-lv/mutual-bonus" target="_self" class="" title="Mutual bonus" role="menuitem"><span>Mutual bonus</span></a></li><li><a href="/supporting-your-client/why-lv/lv-difference" target="_self" class="" title="Exit bonus" role="menuitem"><span>One-off bonus</span></a></li><li><a href="/supporting-your-client/why-lv/our-awards" target="_self" class="" title="Our awards" role="menuitem"><span>Our awards</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-your-client/member-benefits" target="_self" class="has-sub " title="Member benefits" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Member benefits</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-your-client/member-benefits" target="_self" class="" title="Member benefits" role="menuitem"><span>Member benefits</span></a></li><li><a href="/supporting-your-client/member-benefits/legal-advice" target="_self" class="" title="Legal Advice Line" role="menuitem"><span>Legal Advice Line</span></a></li><li><a href="/supporting-your-client/doctors-services" target="_self" class="" title="LV= Doctor Services" role="menuitem"><span>LV= Doctor Services</span></a></li><li><a href="/supporting-your-client/care-navigator" target="_self" class="" title="Care navigator" role="menuitem"><span>Care navigator</span></a></li></ul></li></ul></div></li></ul></div></li><li class="doc-library"><a href="/document-library" 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<p>If we change the way we use your personal information, we&rsquo;ll let you know on our website.</p></span></div><div class="column product-profile"><div class="item"><h2 class="title h2">How we use your personal information</h2><span class="rte description">Download the PDF for easy printing from home &ndash; it covers the details featured on this page, including what information we collect, how it&rsquo;s used and your rights.</span><div class="button-holder"><a href="https://www.lvadviser.com/service/documentlibrary/get/1d2eec2480c24e6d80e5679639c1b4c4/how-we-use-your-personal-information-mp-web" target="_blank" class=" cta secondary" title="">How we use your personal information</a></div></div></div></div></div></div></div>
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item-title">Legal grounds for processing personal information</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Payment card details</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Automated decision making and profiling</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">International transfers</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Financial crime and fraud prevention agencies</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Terrorist financing</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Regulatory bodies</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Credit search and identity checks</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Intermediaries or brokers</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Price comparison or other introductory services</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Public information</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Market research agencies</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Reinsurers and reinsurance brokers</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Medical and other health services</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Other insured parties</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Law enforcement and government agencies</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Giving someone permission to talk to us</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Communications</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Cookies</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">How long we keep personal information</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Your rights</h2></div></div><div class="accordian-item closed " role="button" tabindex="0" aria-expanded="false"><div class="item-title icon-title closed"><h2 class="title item-title">Making a complaint</h2></div></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"accordian","reactName":"Athena.accordian","id":"066e63a1-9888-4f69-97d0-e6f9d6cd45b6","type":"dynamic","props":{"Id":{"Guid":"29bdf2ca-5824-4c8c-a7b5-02541acdc796"},"titleHeading":null,"description":"","flowTitle":{"label":"","type":""},"layout":"center","closeLabel":"Close","accordionItems":[{"head":{"label":"Who we are and how to contact us","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"d4874989-1750-4bc1-96f1-d15db17b69e2","type":"static","props":{"Id":null,"titleHeading":null,"description":"<p>LV= is made up of a number of different companies within the LV= group. They all have the same high standards regarding data protection.</p>\n<ul>\n    <li>The data controller for our lifetime mortgage products is Liverpool Victoria Equity Release Limited.</li>\n    <li>The data controller for UIA insurance policies is Liverpool Victoria Life Company Limited.</li>\n    <li>The data controller for unemployment cover within the LV= Mortgage and Lifestyle Protection plan is LV Protection Limited.</li>\n    <li>For all other life products, the data controller is Liverpool Victoria Financial Services Limited.</li>\n</ul>\n<p>For more information visit LV= Companies.</p>\n<p>If you have any questions about how we process your personal information please contact us at: Life Customer Support, LV=, County Gates, Bournemouth, BH1 2NF or email us:&nbsp;<a rel=\"noopener noreferrer\" href=\"mailto:dataaccess@lv.com\" class=\"external-link\" target=\"_blank\" rel=\"nofollow noopener\" title=\"Follow link\" style=\"color: #0052cc; background-color: #ffffff; text-decoration: var(--aui-link-decoration);\">dataaccess@lv.com</a>.&nbsp;</p>\n<p>You can also contact our Data Protection Officer: Data Protection Officer, LV= County Gates, Bournemouth, BH1 2NF or by email at <a href=\"mailto:DPO@LV.com\">DPO@LV.com</a>.</p>","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Information we collect","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"d0fa3bbb-b352-4b9e-8584-4ea9aa91cb7d","type":"static","props":{"Id":null,"titleHeading":null,"description":"<p>We only ask for the information we need, and we have strict controls to keep it safe.<br />\n<br />\nWe collect personal information to provide our quotes, products and services. Without this information, we can&rsquo;t give you and your client the service or product you&rsquo;ve requested and it might affect the outcome of any claims made.<br />\n<br />\nWe collect personal information like name, address and date of birth. For some products, we may also request information on health, lifestyle, leisure activities, family, occupation and finances. This information will be held in digital and/or paper files.<br />\n<br />\nWe collect personal information when you:</p>\n<ul>\n    <li>Ask for a quote or apply for a policy.</li>\n    <li>Buy and/or use a product or service.</li>\n    <li>Ask us a question.</li>\n    <li>Make, or inform us, of a claim or incident.</li>\n    <li>Make or receive a payment.</li>\n    <li>Update your personal details.</li>\n    <li>Change your cover.</li>\n    <li>Register a complaint.</li>\n    <li>Take part in market research (like customer satisfaction surveys).</li>\n    <li>Update how we contact you with marketing.</li>\n    <li>Change ownership of a policy (like putting a policy in trust).</li>\n    <li>Nominate a beneficiary for the policy.</li>\n</ul>","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"How we use and share personal information","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"224aaab2-357a-4bf6-88fc-84fdbd82a0eb","type":"static","props":{"Id":null,"titleHeading":null,"description":"When we ask for personal information, it&rsquo;ll be used by us and third parties who process information on our behalf. 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For example, to:</p>\n<ul>\n    <li>Develop, improve and personalise our products, pricing and services.</li>\n    <li>Enhance our customer service, experience and relationship &ndash; like customer and market research, business analysis and providing relevant product and service information.</li>\n    <li>Improve the relevance of our advertising and marketing campaigns.Help detect and prevent fraud and financial crime.</li>\n    <li>Develop and improve our administration, security systems and insurance applications.</li>\n    <li>Promote responsible lending and help prevent over-indebtedness.</li>\n    <li>Share it with third parties in the event of organisational change &ndash; for example, if we bought or merged with another organisation.</li>\n    <li>Share with other LV= companies.</li>\n</ul>\n<p>If we need your consent to process personal information, we&rsquo;ll ask for it first. Consent can be withdrawn at any time.&nbsp;</p>\n<p>In an emergency, we&rsquo;ll manage your products or claims until you or someone else is able to on yours/your client&rsquo;s behalf.</p>\n<div>&nbsp;</div>","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Payment card details","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"7f4ebb61-323c-4bd8-847b-9292b8b43f32","type":"static","props":{"Id":null,"titleHeading":null,"description":"We use the payment card or bank details provided to receive money, and for us to pay money out. We use a secure payment processor for all card payments. When a payment is process, we receive a unique transaction code and an extract of your card number. This is stored as a record of the transaction,<br />\n<br />\nIf we&rsquo;re going to make a change to a payment - we&rsquo;ll always get in touch in advance. We&rsquo;ll provide details on if and when we intend to change payments in any way.","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Automated decision making and profiling","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"697184a5-f98d-4e77-b77c-39fb7e14d491","type":"static","props":{"Id":null,"titleHeading":null,"description":"<p>We use automated decision-making to:</p>\n<ul>\n    <li>Help determine prices, policy terms and relevant products and services.</li>\n    <li>When you research or ask for a quote.</li>\n    <li>Buy our services or products.</li>\n    <li>Make any changes, renew or make a claim.</li>\n</ul>\n<p>We may also profile you/your client based on personal information provided by third parties. Profiling may be used to:</p>\n<ul>\n    <li>Help determine the likelihood of a claim or policy transaction being fraudulent.</li>\n    <li>Enhance our understanding of you and to help us make business decisions (like product design, pricing, customer journeys or marketing strategy).</li>\n    <li>To make our marketing more relevant, if you&rsquo;ve chosen to receive marketing information from us. This could include personalising the channels we use to market, our marketing messages, and the offers we send.</li>\n</ul>","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"International transfers","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"c2884a29-9c53-4ee4-949e-0ce5b63c6199","type":"static","props":{"Id":null,"titleHeading":null,"description":"If we process personal information outside the UK, the processing in those locations is protected by UK and European data standards. When a claim occurs abroad, we will also send data to the necessary service providers and agencies as required to service a claim.","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Financial crime and fraud prevention agencies","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"317a80fc-9b0d-45ec-bf58-ea3d752c34c7","type":"static","props":{"Id":null,"titleHeading":null,"description":"<p>The personal information we collect will be shared with crime prevention agencies who will use it to prevent financial crime and fraud, and to verify your identity.&nbsp;<br />\n<br />\nIf financial crime or fraud is detected, your client could be refused certain services, finance or employment. Where we suspect financial crime or fraud, we may:</p>\n<ul>\n    <li>Cancel any policies you have with us.</li>\n    <li>Not be able to pay any claim or offer you the requested product or service.</li>\n</ul>\n<p>We may share relevant information with crime and fraud prevention agencies, law enforcement and other relevant organisations.</p>","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Terrorist financing","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"76fe6e33-8e60-4b95-abee-19f354160d5c","type":"static","props":{"Id":null,"titleHeading":null,"description":"<p>We use your information to make sure we comply with any financial sanctions that apply in the UK and overseas. This includes:</p>\n<ul>\n    <li>Checking your information against sanctions lists.</li>\n    <li>Sharing your information with HM Treasury and international regulators if required.</li>\n</ul>\n<p>We will contact you if more information is needed to comply with any financial sanctions.</p>","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Regulatory bodies","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"133133ed-e57e-444f-a207-b8ba322e94ac","type":"static","props":{"Id":null,"titleHeading":null,"description":"Your personal information will be used or disclosed as required to regulators to monitor and enforce our compliance with any regulation.","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Credit search and identity checks","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"e3bcbf7d-1c31-4544-987b-84c03dd7b129","type":"static","props":{"Id":null,"titleHeading":null,"description":"<p>To process the product or service applied for, we may supply your personal information to Credit Reference Agencies (CRAs). They&rsquo;ll also give us information about you, such as your financial history. We do this to assess creditworthiness, check your identity, mange your account, trace and recover debts and prevent fraud and other financial crime.<br />\n<br />\nWe&rsquo;ll exchange information about your with CRAs on an ongoing basis &ndash; including settled accounts and any debts not fully repaid on time. CRAs share your personal information with other organisations. Your data will also be linked to the data of any joint applicants or other financial associates you have.<br />\n<br />\nThe identities of the CRAs and the ways in which they use and share personal information are explained in more detail at:</p>\n<ul>\n    <li><a rel=\"noopener noreferrer\" href=\"http://experian.co.uk/crain/index.html\" target=\"_blank\">experian.co.uk/crain</a>&nbsp;</li>\n    <li><a rel=\"noopener noreferrer\" href=\"https://www.callcredit.co.uk/crain\" target=\"_blank\">callcredit.co.uk/crain</a>&nbsp;&nbsp;</li>\n    <li><a rel=\"noopener noreferrer\" href=\"https://www.equifax.co.uk/crain\" target=\"_blank\">equifax.co.uk/crain</a></li>\n</ul>","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Intermediaries or brokers","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"a610d5c1-476c-4b25-956f-ec44de7ee014","type":"static","props":{"Id":null,"titleHeading":null,"description":"If we get your details from a financial intermediary or broker, personal information (like policy details, claims, payment, suspected fraud and other financial crime information) will be shared with them.","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Price comparison or other introductory services","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"0ae18118-1eab-4343-bbf9-69e86ae30d68","type":"static","props":{"Id":null,"titleHeading":null,"description":"If you get a quote on a price comparison website or other introductory service, the information you give them is passed to us so you don&rsquo;t need to re-enter your details. We&rsquo;ll also pass your personal information (for example, policy details, and suspected fraud and other financial crime information) back to them.","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Public information","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"92644f1a-a208-4d1f-8dd1-93e83256c60c","type":"static","props":{"Id":null,"titleHeading":null,"description":"<p>We may use public information &ndash; such as electoral roll, country court judgements and social media.<br />\n<br />\nSpecialist services we use<br />\nWe use other companies to provide some services, such as:</p>\n<ul>\n    <li>Banks and building societies.</li>\n    <li>Legal service providers.&nbsp;</li>\n    <li>Communication services.&nbsp;</li>\n    <li>Debt recovery agencies.</li>\n    <li>Marketing.</li>\n    <li>Fraud and other financial crime investigation services.</li>\n    <li>Companies that help us find customers we have lost contact with. We&rsquo;ll give the personal information they (or their sub-contractors) need to manage their service.</li>\n</ul>","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Market research agencies","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"37367eb7-f67a-4b97-8bc7-58630abe5596","type":"static","props":{"Id":null,"titleHeading":null,"description":"We may share your personal information with market research agencies who conduct market research and business analysis on our behalf.","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Reinsurers and reinsurance brokers","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"3ef61958-d8cd-48cc-9f07-2620b2ae8aaf","type":"static","props":{"Id":null,"titleHeading":null,"description":"We may need to share personal information with our reinsurers and reinsurance brokers. Reinsurers provide insurance policies to insurance companies. Insurance companies engage a reinsurance broker to advise and assist in arranging a re-insurance policy.","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Medical and other health services","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"17347fa5-0f16-4cf5-a4fa-dbed251e5bea","type":"static","props":{"Id":null,"titleHeading":null,"description":"<p>We may ask your doctor or any medical practitioner you have consulted to send us a medical report or information from your medical records. We will only do this if we get your consent first.<br />\nIf you give us consent to contact a medical practitioner you are free to withdraw this at any time by contacting us.<br />\n<br />\nYou don&rsquo;t have to give your consent but if you don&rsquo;t give your consent, or if you later withdraw it we may not be able to continue to provide cover or consider any claim.<br />\n<br />\nWe also use other companies to provide additional health and medical services, for example nurse screenings or rehabilitation support in the event of a disability claim. We&rsquo;ll give them the personal information they need to manage their services (for example, contact information to make an appointment). Again, we will let you know if this happens.&nbsp;</p>\n<p><strong>What information could be shared in a medical report or record?&nbsp;</strong><br />\nA medical report is a comprehensive report that covers a person&rsquo;s medical history. A medical report is a vital piece of evidence that can support your application or validate your insurance claim.<br />\n<br />\n<strong>What can be included in a Medical Report?</strong><br />\nA medical report may include, but is not limited to the following items:</p>\n<ul>\n    <li>An overview of your medical history.</li>\n    <li>Documentation of your diagnosis.</li>\n    <li>Documentation of any medications you take or have taken since for certain conditions.</li>\n    <li>A history of your treatments.</li>\n    <li>Your response to treatments.</li>\n    <li>A history of hospitalisations.</li>\n    <li>Test results.</li>\n    <li>Findings of physical and mental examinations.</li>\n    <li>Statements confirming your limitations and abilities.</li>\n    <li>A history of your work absences.</li>\n</ul>\n<p><strong>What can be included in medical records?</strong><br />\nThere are times when we may have to ask for a copy of your medical records. This is different to a report requested form a medical practitioner. Your medical records are your full medical history.</p>\n<p>Any request we make for your medical records would usually be for a specific time period or in relation to the claim being made or to support the management of any on-going claim. We may request these instead of or in addition to a medical report provided by a medical practitioner.<br />\n<br />\nWe will only request medical records if we get your consent first and again you can withdraw this at any time by contacting us.</p>\n<p>You don&rsquo;t have to give your consent but if you don&rsquo;t give your consent, or if you later withdraw it we may not be able to continue to provide cover or consider any claim.</p>\n<div>&nbsp;</div>","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Other insured parties","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"66bdef09-f73b-41b3-8cc1-9ccfdaa51bfa","type":"static","props":{"Id":null,"titleHeading":null,"description":"An insured part on your policy or product may notify us of an incident or claim against your policy.","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Law enforcement and government agencies","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"0556c4c8-0a65-4dd5-b690-3b01ab3ec8ff","type":"static","props":{"Id":null,"titleHeading":null,"description":"Information may be given to us by law enforcement agencies which may affect a policy or ongoing claim.","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Giving someone permission to talk to us","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"38b70f02-b2df-4004-a2a3-867b482a029f","type":"static","props":{"Id":null,"titleHeading":null,"description":"We will only talk about your policy to you, or someone else if we&rsquo;re satisfied you&rsquo;ve authorised them to talk to us on your behalf.","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Communications","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"7a7b967f-70b3-4467-9b5b-618c75f59b68","type":"static","props":{"Id":null,"titleHeading":null,"description":"When you contact us, the personal information you provide will be recorded. This helps improve our customer service, train our staff, respond to complaints and prevent fraud and other financial crime.<br />\n<br />\nAll communications will be in English. You can request this document in writing, Braille, large print or in audible format.","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Cookies","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"d4f2dc4a-6ac8-4f03-a6b1-fd1d9ad1951b","type":"static","props":{"Id":null,"titleHeading":null,"description":"We use cookies to give you the best possible online experience &ndash; we don&rsquo;t store contact details or banking information. Learn more about our <a href=\"/lv-cookie-consent\">cookie consent policy</a>.","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"How long we keep personal information","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"f0bbc799-7608-4e30-aa52-7e3c8830448d","type":"static","props":{"Id":null,"titleHeading":null,"description":"<p>We will retain your personal information for as long as needed or permitted in light of the purpose(s) for which it was obtained. The criteria used to determine our retention periods include:</p>\n<ul>\n    <li>the length of time we have an on-going relationship with you and provide services to you;</li>\n    <li>whether there is a legal obligation to which we are subject; and</li>\n    <li>whether retention is advisable in light of our legal position (such as in regard to complaints, litigation, or regulatory investigations).</li>\n</ul>","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Your rights","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"94d42b3e-581e-4d17-95ce-40a92b1a1433","type":"static","props":{"Id":null,"titleHeading":null,"description":"<p>When it comes to your personal information, you have a right in certain circumstances to:</p>\n<ul>\n    <li>Access the personal information we hold on you.</li>\n    <li>Correct personal information.</li>\n    <li>Have your personal information deleted.</li>\n    <li>Restrict us processing your personal information.</li>\n    <li>Receive your personal information in a portable format.</li>\n    <li>Object to us processing your personal information.</li>\n</ul>\n<p>You can also ask for us to review an automated decision.</p>\n<p>We&rsquo;ll only send you marketing information about our products and services if you&rsquo;ve given us permission. You can withdraw consent at any time.<br />\n<br />\nTo find out more, or exercise your rights, please contact us at: Life Customer Support, LV=, County Gates, Bournemouth, BH1 2NF or email us at: <a href=\"mailto:LifeCustomerSupport@LV.com\">LifeCustomerSupport@LV.com</a>.</p>","image":null,"layout":"left","background":null,"disableBottomSpace":false}}},{"head":{"label":"Making a complaint","type":""},"content":{"name":"featureDetails","reactName":"Athena.featureDetails","id":"3d1d80b7-959f-4568-9c28-f3ec14805b5c","type":"static","props":{"Id":null,"titleHeading":null,"description":"If you have a complaint regarding the way we process your personal data, please contact us.<br />\n<br />\nYou can also raise your complaint with the Information Commissioner&rsquo;s Office on 0300 123 1113 or by visiting ico.org.uk/concerns","image":null,"layout":"left","background":null,"disableBottomSpace":false}}}]}});</script>
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<p><strong></strong>Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK</p></span></div><div class="footer-social"><div class="footer-media linkedin"><a href="https://www.linkedin.com/showcase/lvforadvisers" target="_self" class="footer-social-media" title="LinkedIn"><span class="icon icon-linkedin" alt="LinkedIn"></span></a></div><div class="footer-media twitter"><a href="https://twitter.com/LVforAdvisers" target="_self" class="icon-link" title="Twitter"><svg focusable="false" width="25" height="21" viewBox="0 0 25 21"><path d="M12.2228 8.8875L19.8685 0H18.0567L11.418 7.71689L6.11564 0H0L8.0182 11.6693L0 20.9892H1.81189L8.82259 12.8399L14.4223 20.9892H20.5379L12.2224 8.8875H12.2228ZM9.74121 11.7721L8.9288 10.6101L2.46474 1.36396H5.24769L10.4643 8.8259L11.2767 9.9879L18.0576 19.6873H15.2747L9.74121 11.7726V11.7721Z" fill="#04589B"></path></svg></a></div></div></div></div></footer></div>
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