Last updated: 4 March 2026

Privacy Policy

1. Who We Are

Lifecoverfor.com is a trading style of Nesto Mortgages Ltd (company number 14964264). We operate as an introducer, connecting consumers with independent, FCA-regulated protection advisers. We are the data controller for any personal information collected through this website.

2. Data We Collect

We may collect and process the following categories of personal data:

• Identity & contact data: name, email address, phone number, date of birth, postcode
• Financial circumstances: employment status, income, smoking status, health information you voluntarily provide through our assessment forms
• Technical & usage data: IP address, browser type, device information, pages visited, time on site, referring URL
• Communications: any correspondence you send to us via email, forms, or other channels

We do not collect or store payment card details, bank account numbers, or other sensitive financial credentials.

3. How We Collect Your Data

We collect personal data through three methods:

• Directly from you: when you complete our online assessment, submit a contact form, or email us
• Automatically: through cookies and similar tracking technologies when you browse our website
• From third parties: advertising platforms (such as Google Ads or Meta) may provide us with limited data about how you arrived at our website

4. How We Use Your Data

We use your personal data for the following purposes:

• To provide our introduction service and match you with a suitable protection adviser
• To contact you regarding your enquiry or assessment
• To improve our website, services, and user experience
• To comply with legal and regulatory obligations
• To send you marketing communications (only where you have given consent)
• To detect and prevent fraud or misuse of our services

5. Legal Basis for Processing

We rely on the following legal bases under UK GDPR:

• Contract performance: processing necessary to provide our introduction service to you
• Legitimate interests: improving our services, website analytics, and fraud prevention, where these interests do not override your rights
• Legal obligation: where we are required to process data to comply with applicable laws
• Consent: for marketing communications and non-essential cookies. You may withdraw consent at any time by contacting us

6. Sharing Your Data

We may share your personal data with:

• FCA-regulated protection advisers: to facilitate your introduction and enable them to provide you with quotes and advice. Once shared, the adviser becomes an independent data controller with their own privacy policy
• Service providers: hosting providers, analytics tools, email delivery services, and CRM platforms that help us operate our website and services
• Legal authorities: where required by law, regulation, or court order

We will never sell your personal data to third parties.

7. How Long We Keep Your Data

• Enquiries and assessments: retained for 2 years from the date of submission
• Contact form submissions: retained for 1 year
• Consent records: retained until you withdraw consent, plus 1 year for our records
• Analytics data: retained for 14–26 months depending on the analytics provider

After these periods, your data will be securely deleted or anonymised.

8. Your Rights

Under the UK GDPR and Data Protection Act 2018, you have the following rights:

• Right of access: request a copy of your personal data
• Right to rectification: request correction of inaccurate data
• Right to erasure: request deletion of your personal data
• Right to restrict processing: request that we limit how we use your data
• Right to data portability: request your data in a structured, machine-readable format
• Right to object: object to processing based on legitimate interests or for marketing
• Right regarding automated decisions: not be subject to decisions based solely on automated processing
• Right to withdraw consent: where processing is based on consent, withdraw at any time

To exercise any of these rights, please contact us at privacy@lifecoverfor.com. We will respond within one month.

9. Cookies

Our website uses cookies and similar technologies. These fall into three categories:

• Essential cookies: required for the website to function correctly
• Analytics cookies: help us understand how visitors use our site (e.g. Google Analytics)
• Advertising cookies: used to deliver relevant advertisements and measure campaign effectiveness

You can manage your cookie preferences through your browser settings. Non-essential cookies require your consent before being placed.

10. Data Security

We implement appropriate technical and organisational measures to protect your personal data, including HTTPS encryption, access restrictions, and secure hosting. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

11. International Transfers

Some of our third-party service providers may process data outside the United Kingdom. Where this occurs, we ensure appropriate safeguards are in place, such as Standard Contractual Clauses or adequacy decisions, to protect your data in accordance with UK data protection law.

12. Children's Privacy

Our services are not directed at individuals under the age of 18. We do not knowingly collect personal data from children. If we become aware that we have inadvertently collected such data, we will take steps to delete it promptly.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The “last updated” date at the top of this page indicates when the policy was most recently revised. Continued use of our website following any changes constitutes your acceptance of the updated policy.

14. Contact Us & Complaints

If you have any questions about this Privacy Policy or wish to exercise your data protection rights, please contact us:

• Email: privacy@lifecoverfor.com
• Post: Nesto Mortgages Ltd, Grove Chambers, Basecamp, 36 Green Lane, Wilmslow, England, SK9 1LD

If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner's Office (ICO):

• Website: ico.org.uk
• Telephone: 0303 123 1113