Who We Are
Lyfeguard Limited ("Lyfeguard", "we", "us", or "our") is a UK-based technology company providing secure digital services to consumers and financial services. We are registered with the Information Commissioner's Office (ICO) as a data controller and authorised by the Financial Conduct Authority (FCA) as an agent of Moneyhub.
We are committed to protecting your privacy and handling your personal data with care, transparency, and security.
Scope of this Policy
This policy applies when you:
- Use any website, subdomain, or digital platform operated by Lyfeguard, including but not limited to lyfeguard.com and app.lyfeguard.com
- Access or interact with our web or mobile applications
- Use the Lyfeguard Help Centre, knowledge base, or customer support portals
- Engage with us through support, sales, events, or marketing
- Access our services via third-party integrations (e.g. Open Banking APIs)
By using our services, you agree to the collection and use of information in accordance with this policy.
What Information We Collect
We collect the following types of personal data:
Information You Provide Directly
- Name, contact details, and login credentials
- Uploaded documents and structured data (e.g. identification documents, insurance details, financial accounts, or legal records)
- Personal or contextual information you enter about your circumstances, relationships, goals, or preferences
- Information you choose to share with Trusted Users or trusted professionals.
Information We Collect Automatically
- IP address, device type, browser type, OS, referring URLs
- Date/time of access, session duration, usage behaviour
- Cookies and tracking technologies
Information from Third Parties
- Data accessed through third-party APIs that you authorise (e.g. Open Finance or Open Banking providers)
- Information provided by a financial services professional, such as your adviser, if you are using Lyfeguard as a client
We do not knowingly collect personal data from children under 18.
Why We Collect Your Data
We use your information for the following purposes:
- To deliver our services and operate the platform
- To secure and maintain your account
- To comply with legal and regulatory requirements
- To improve our services and user experience
- To support customer service
Our Legal Bases for Processing
We process personal data under the following lawful bases:
- Contractual necessity – to provide services you request
- Consent – for financial connections and sharing with Trusted Users
- Legal obligation – to meet regulatory and compliance obligations
- Legitimate interests – for service improvement, analytics, and security
You may withdraw your consent at any time.
How We Store and Protect Your Data
We take the security of your data seriously:
- AES-256 encryption for data at rest
- TLS encryption for data in transit
- Secure UK-based cloud infrastructure
- Access controls and audit logging
- Regular penetration testing and monitoring
Only authorised personnel and service providers have access to your data, and only for legitimate purposes.
Sharing Your Information
We do not sell or commercialise personal data. We may share your information:
- With your consent (e.g. sharing with a Trusted User or adviser)
- With service providers (e.g. hosting, analytics, payments)
- To comply with legal requirements or respond to lawful requests
- In connection with a business transaction (e.g. merger, acquisition)
All third parties are under strict confidentiality and data protection obligations.
Data Retention
We retain personal data only as long as needed:
- To provide our services
- To meet legal, regulatory, or accounting requirements
When data is no longer needed, we securely delete or anonymise it. You can request deletion at any time by contacting [email protected].
Your Rights
You have the right to:
- Access the personal data we hold about you
- Correct inaccurate or incomplete data
- Request deletion ("right to be forgotten")
- Object to or restrict certain processing
- Request data portability
- Withdraw consent (where applicable)
- Lodge a complaint with the ICO
To exercise your rights, contact [email protected].
Cookies and Tracking Technologies
We use cookies and similar technologies to:
- Authenticate users
- Remember preferences
- Monitor service performance and security
- Analyse user behaviour
You can manage cookie preferences through your browser or device settings. See our Cookie Policy for more details.
International Data Transfers
All personal data is stored and processed within the United Kingdom or the European Economic Area (EEA). Lyfeguard does not transfer personal data internationally outside these regions. We ensure our data infrastructure remains aligned with UK and EU data protection standards.
Updates to This Policy
We may update this Privacy Policy from time to time. The latest version will always be available on our website. We will notify you of material changes.
Contact Us
If you have any questions or concerns, contact our Data Protection Officer:
Email: [email protected]
Post: Lyfeguard Ltd, 128 City Road, London, EC1V 2NX
ICO Registration Number: ZA938389
ICO Address: Information Commissioner’s Office Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
ICO Helpline: 0303 123 1113
ICO Website: https://www.ico.org.uk
