Assets for Life Ltd – Privacy, Cookies & Data Handling Policy

We understand that your privacy is important to you and that you care about how your personal data is used. We respect and value the privacy of everyone who visits this website and those others we use to promote our products and services (“Our Sites”) and will only collect and use personal data in ways that are described here, and in a way that is consistent with our obligations and your rights under the law.

Please read this Privacy Policy carefully and ensure that you understand it. This Privacy Policy is provided for your information. It explains how we collect and use your personal data and does not require your acceptance.

Telephone Call Recording Notice: Please note that telephone calls to and from Assets for Life Ltd may be recorded for training, monitoring, quality assurance, customer service, dispute resolution, compliance, and record-keeping purposes. Recorded calls may also be transcribed and summarised using AI Tools (see Part 6A). Any call recording or transcript will be handled in accordance with this Privacy Policy and applicable data protection laws.

AI Notice: Some of our WhatsApp and website chat conversations are handled in the first instance by an AI assistant. We will tell you when you are communicating with an AI assistant, and you can ask to speak to a member of our team at any time. See Part 6A for more information.

Definitions and Interpretation

In this Policy, the following terms shall have the following meanings:

“Account” means an account required to access and/or use certain areas and features of Our Sites;

“AI Tools” means software that uses artificial intelligence or machine learning, including speech-to-text transcription, summarisation, conversational assistants (chatbots) and enquiry-prioritisation tools, provided to us by third-party service providers;

“Cookie” means a small text file placed on your computer or device by Our Sites when you visit certain parts of Our Sites and/or when you use certain features of Our Sites. Details of the Cookies used by Our Sites are set out in Part 13, below; and

“Cookie Law” means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003 (as amended, including by the Data (Use and Access) Act 2025);

1. Information About Us

Our Sites are owned and operated by Assets for Life Ltd, a limited company registered in England and Wales, under company number 09935286, with registered offices located at Suite 105, Waterhouse Business Centre, 2 Cromar Way, Chelmsford, Essex, CM1 2QE, England.

Our Sites:

• assetsforlife.co.uk (our main website)
• assetsforlife.uk (a promotional website)
• aflwebinar.co.uk (a promotional website)
• aflpropertywebinar.co.uk (a promotional website)
• theservicedaccommodationsummit.co.uk (a promotional website)
• propertydealpackagingsummit.co.uk (a promotional website)
• thepropertyandbusinesssummit.co.uk (a promotional website)
• thesalesandsuccesssummit.com (a promotional website)
• thesocialmediawealthsummit.co.uk (a promotional website)
• our telephone lines, WhatsApp and other messaging channels, social media pages, live and online events, and online learning platforms

Our VAT number is GB 269 6301 80

Our Data Protection Officer is Seb Brantigan

Email: seb.brantigan@assetsforlife.co.uk

2. What Does This Policy Cover?

This Privacy Policy applies to your use of Our Sites and to the other ways in which you interact with us listed in Part 1. Our Sites may contain links to other websites. Please note that we have no control over how your data is collected, stored, or used by other websites, and we advise you to check the privacy policies of any such websites before providing any data to them.

3. What Is Personal Data?

Personal data is defined by the UK GDPR and the Data Protection Act 2018 (each as amended, including by the Data (Use and Access) Act 2025) (collectively, “the Data Protection Legislation”) as ‘any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier’.

Personal data is, in simpler terms, any information about you that enables you to be identified. Personal data covers obvious information such as your name and contact details, but it also covers less obvious information such as identification numbers, electronic location data, and other online identifiers.

4. What Are My Rights?

Under the Data Protection Legislation, you have the following rights, which we will always work to uphold:

• The right to be informed about our collection and use of your personal data. This Privacy Policy should tell you everything you need to know, but you can always contact us to find out more or to ask any questions using the details in Part 14.
• The right to access the personal data we hold about you. Part 12 will tell you how to do this.
• The right to have your personal data rectified if any of your personal data held by us is inaccurate or incomplete. Please contact us using the details in Part 14 to find out more.
• The right to be forgotten, i.e. the right to ask us to delete or otherwise dispose of any of your personal data that we hold. Please contact us using the details in Part 14 to find out more.
• The right to restrict (i.e. prevent) the processing of your personal data.
• The right to object to us using your personal data for a particular purpose or purposes, including direct marketing (which includes any profiling related to direct marketing) and processing based on our legitimate interests.
• The right to withdraw consent. This means that, if we are relying on your consent as the legal basis for using your personal data, you are free to withdraw that consent at any time.
• The right to data portability. This means that, if you have provided personal data to us directly, we are using it with your consent or for the performance of a contract, and that data is processed using automated means, you can ask us for a copy of that personal data to re-use with another service or business in many cases.
• Rights relating to automated decision-making and profiling. We use limited profiling to tailor our marketing and to help prioritise enquiries (see Parts 6 and 6A). We do not make decisions that produce legal or similarly significant effects on you based solely on automated processing. If that changes, we will tell you, and you will be able to make representations, obtain human intervention and contest the decision.

For more information about our use of your personal data or exercising your rights as outlined above, please contact us using the details provided in Part 14.

It is important that your personal data is kept accurate and up-to-date. If any of the personal data we hold about you changes, please keep us informed as long as we have that data.

Further information about your rights can also be obtained from the Information Commissioner’s Office or your local Citizens Advice Bureau.

If you have any cause for complaint about our use of your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office. Assets For Life LTD is registered with the Information Commissioner’s Office, with registration number ZA280607. We would welcome the opportunity to resolve your concerns ourselves; however, please contact us first, using the details in Part 14. We will acknowledge your complaint within 30 days of receiving it, investigate it, and tell you the outcome without undue delay.

5. What Data Do You Collect and How?

Depending upon your use of Our Sites and our services, we may collect and hold some or all of the personal and non-personal data set out in the table below, using the methods also set out in the table. Please also see Part 13 for more information about our use of Cookies and our Cookie Policy. We do not intentionally collect ‘special category’ personal data, personal data relating to children, or data relating to criminal convictions and/or offences. If you choose to share such information with us (for example, during a call or chat), we will only use it where necessary for the purpose for which you shared it and in accordance with the Data Protection Legislation.

Data Collected	How We Collect the Data
Identity Information, including name, title or salutation, DOB, and address.	Via your emailing us or opening an account or corresponding or placing an order with us.
Contact information, including address, email address and phone number.	Via your contacting us or interacting with us via forms, email, messaging or phone.
Business information, including business name, job title, and profession.	Via your contacting us or interacting with us via forms, email, messaging or phone.
Payment information, including card details and bank account details.	Via your placing an order with us.
Profile information, including interests, browsing history, preferences and login details.	Via your use of Our Sites and interaction with us via Analytic Cookies, and from your interactions with our emails and messages.
Technical information, including IP address, browser type, and browsing history.	Via the cookies placed in Our Sites. Some are temporary some are permanent.
Data from us and via third-party mailing services, including mailing and marketing preferences.	Via the cookies placed on Our Sites and associated links.
Call recording information, including audio recordings of telephone calls, call dates and times, phone numbers, call duration, transcripts and AI-generated call summaries, and information you provide during the call.	When you call us or when we call you. Calls may be recorded and transcribed for training, monitoring, quality assurance, customer service, dispute resolution, compliance, and record-keeping purposes.
Chat and messaging information, including WhatsApp, website chat and social media messages, and responses generated by our AI assistant.	When you message us via WhatsApp, our website chat or our social media pages.

6. How Do You Use My Personal Data?

Under the Data Protection Legislation, we must always have a lawful basis for using personal data. The following table describes how we may use your personal data, and our lawful bases for doing so:

What We Do	What Data We Use	Our Lawful Basis
Placing an order.	Your Contact & ID information for any Transactions & all Purchasing purposes.	Our Performance of any contract or Transaction with you.
To process and deliver our services to you, including: Managing payments and invoicing, as well as collecting money owed.	Identity and contact information, as well as financial transaction communications.	Performance of any contract with you. Required for our own legitimate interests (recovering outstanding monies owed).
To manage our relationship with you which includes: – notifying you about changes in our terms/privacy policy – asking you to provide reviews & testimonials for use on our sites – providing you with useful information and updates about our industry and our services.	Contact and Identity information, as well as Technical and Profile information (interests, preferences and browsing history). Marketing & any promotional communications are automated via our customer relationship management (CRM) and email marketing platforms.	Performance of any contract for services or goods. Also, for our compliance with any legal obligations. Required for our legitimate interests in order to analyse how we can improve our services, keep our records updated, and offer our services in a more useful and tailored manner.
To deliver relevant website content and advertisements to you and measure the effectiveness of the content and advertising we serve to you.	Identity, Technical and Profile information (interests, preferences & browsing history).	Required for our own legitimate interest (analysing how clients use Our Sites and services, and to improve and inform our marketing strategy).
To use data analytics to improve our website, marketing and communications, services and user experience.	Identity and for other Technical reasons.	Required for our legitimate interests in order to inform our marketing strategy and planning, keep Our Sites up to date and develop our services.
To make suggestions and our recommendations to you about our other services and updates that may be of interest to you.	Identity, Profile & Contact information for marketing & email communications.	Required for our legitimate interests to develop further services.
To record and monitor telephone calls for training, quality assurance, customer service, dispute resolution, compliance, and record-keeping purposes.	Call recordings, call logs, contact information, identity information, and any information you provide during the call.	Required for our legitimate interests in monitoring and improving our services, training our team, maintaining accurate records, handling queries or complaints, and protecting our business. Where required by law, we may also process this information to comply with our legal obligations.
To use AI Tools to transcribe, summarise and analyse calls and messages, respond to enquiries, and help prioritise follow-up (see Part 6A).	Contact, Identity, Business and Profile information, call recordings, transcripts, and chat and messaging information.	Required for our legitimate interests in responding promptly to enquiries, operating efficiently, maintaining service quality, training our team and keeping accurate records. Where the processing is needed to deliver services you have purchased, performance of our contract with you.

With your permission and/or as permitted by law, we may also use your personal data for marketing purposes, which may include contacting you by email, telephone, text, WhatsApp and/or post with information, news, and offers on products and services. You will not be sent any unlawful marketing or spam. We will always work to fully protect your rights and comply with our obligations under the Data Protection Legislation and the Privacy and Electronic Communications (EC Directive) Regulations 2003, and you will always have the opportunity to opt out. We will always obtain your express opt-in consent before sharing your personal data with third parties for marketing purposes, and you will be able to opt out at any time.

Where it is necessary for our legitimate interests (or those of a third party, including an affiliated company), by which we mean in the interest of our business in conducting and managing our business, to enable us to give you the best service and best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you for specific activities by contacting us using the details in Part 14.

We will only use your personal data for the purpose(s) for which it was originally collected unless we reasonably believe that another purpose is compatible with that or those original purpose(s) and need to use your personal data for that purpose. If we do use your personal data in this way and you wish us to explain how the new purpose is compatible with the original, please contact us using the details in Part 14.

If we need to use your personal data for a purpose that is unrelated to or incompatible with the purpose(s) for which it was originally collected, we will inform you and explain the legal basis that allows us to do so.

In some circumstances, where permitted or required by law, we may process your personal data without your knowledge or consent. This is where we are obliged to release your data to the appropriate government or police bodies, for the purposes of crime prevention and fraud detection. This will only be done within the bounds of the Data Protection Legislation and your legal rights.

6A. How Do You Use Artificial Intelligence (AI)?

We use AI Tools, provided by carefully selected third-party service providers, to help us respond to you quickly and to deliver and improve our services. In particular:

• Call transcription and analysis: recorded calls may be transcribed and summarised by AI Tools to support training, quality assurance, customer service, compliance and record-keeping.
• Messaging assistants: some WhatsApp and website chat conversations are handled in the first instance by an AI assistant, which can answer common questions, share information about our events and programmes, and pass your enquiry to the right member of our team. We will tell you when you are communicating with an AI assistant, and you can ask to speak to a person at any time.
• Enquiry management: we may use AI Tools and automated rules to organise and prioritise enquiries so that our team can follow up promptly. A member of our team always makes any decision about your eligibility for, or enrolment on, our programmes.
• Internal productivity: our team may use business-grade AI assistants to help draft communications, analyse information and prepare documents. We only use AI services that are subject to contractual data protection commitments.

How we protect your data: our AI Tools are provided under written data processing agreements, and our providers may only process your personal data on our instructions. We do not permit our providers to use your personal data to train their publicly available AI models. AI-generated outputs (such as call summaries) can contain errors, so our team does not rely on them alone for decisions that affect you.

Your rights: you can object to our use of AI Tools in relation to your personal data, ask for a person to review any outcome, and request a copy of any transcripts or AI-generated notes we hold about you, using the details in Part 14.

7. How Long Will You Keep My Personal Data?

We will not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Your personal data will therefore be kept for the following periods (or, where there is no fixed period, the following factors will be used to determine how long it is kept):

Type of Data	How Long We Keep It
Identity Information	For a period of 7 (seven) years.
Contact information	For a period of 7 (seven) years.
Business information	For a period of 7 (seven) years.
Any payment information	For a period of 7 (seven) years.
Any profile or account information	For a period of 7 (seven) years.
Technical information	For up to [26 months] from collection.
Call recordings and call logs	For a period up to 12 months, unless we need to keep them for longer for legal, regulatory, complaint-handling, dispute-resolution, or debt recovery purposes.
Call transcripts and AI-generated summaries	For a period up to [12 months], unless we need to keep them for longer for legal, regulatory, complaint-handling, dispute-resolution, or debt recovery purposes.
Chat and messaging records (including AI assistant conversations)	For a period up to [24 months] from the last message, unless they form part of your customer record, in which case they are kept for the period applying to that record.

8. How and Where Do You Store or Transfer My Personal Data?

We store some or all of your personal data in countries outside of the UK. These are known as “third countries”. We will take additional steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the Data Protection Legislation, as follows:

Where we transfer personal data outside the UK, including to service providers in the United States, we ensure that an appropriate safeguard is in place, such as: (a) transfers to countries covered by UK adequacy regulations, including to US organisations certified under the UK Extension to the EU-US Data Privacy Framework; or (b) the International Data Transfer Agreement or the International Data Transfer Addendum to the EU Standard Contractual Clauses issued by the Information Commissioner’s Office.

Please contact us using the details below in Part 14 for further information about the particular data protection safeguards used by us when transferring your personal data to a third country.

The security of your personal data is essential to us, and to protect your data, we take a number of important measures, including the following:

• limiting access to your personal data to those employees, agents, contractors, and other third parties with a legitimate need to know and ensuring that they are subject to duties of confidentiality;
• requiring our service providers, including providers of AI Tools, to process personal data only on our documented instructions and under written data processing agreements; and
• procedures for dealing with data breaches (the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to, your personal data), including notifying you and/or the Information Commissioner’s Office where we are legally required to do so.
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9. Do You Share My Personal Data?

We do not sell your personal data. We share it only in the circumstances described below.

Service providers. We use trusted third-party service providers who process personal data on our behalf, under contract and only on our instructions. These include providers of: customer relationship management (CRM) and email marketing; telephony, call recording and call transcription; WhatsApp and website messaging, including AI assistants; payment processing; online learning platforms; video conferencing and event management; and website hosting and analytics. A list of our key service providers is available on request using the details in Part 14.

Business partners. [Where you are referred to, or enrol on a programme delivered with, one of our business partners, we will share the personal data needed for that purpose and will tell you at the time.]

If we sell, transfer, or merge parts of our business or assets, your personal data may be transferred to a third party. Any new owner of our business may continue to use your personal data in the same way(s) that we have used it, as specified in this Privacy Policy.

In some limited circumstances, we may be legally required to share certain personal data, which might include yours, if we are involved in legal proceedings or complying with legal obligations, a court order, or the instructions of a government authority.

10. How Can I Control My Personal Data?

In addition to your rights under the Data Protection Legislation, set out in Part 4, when you submit personal data via Our Sites, you may be given options to restrict our use of your personal data. In particular, we aim to give you strong controls on our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from us, which you may do by unsubscribing using the links provided in our emails at the point of providing your details). You can opt out of WhatsApp or text messages by replying “STOP”, and you can ask to speak to a member of our team instead of our AI assistant at any time.

You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help prevent you from receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.

11. Can I Withhold Information?

You may access certain areas of Our Sites without providing any personal data at all. However, to use all features and functions available on Our Sites, you may be required to submit or allow for the collection of certain data.

You may restrict our use of Cookies. For more information, see Part 13.

12. How Can I Access My Personal Data?

If you want to know what personal data we have about you, you can ask us for details of that personal data and for a copy of it (where any such personal data is held). This is known as a “subject access request”. This includes any call recordings, transcripts, chat records and AI-generated notes we hold about you.

All subject access requests should be made in writing and sent to the email or postal addresses shown in Part 14. To make this as easy as possible for you, a Subject Access Request Form is available for you to use. You do not have to use this form, but it is the easiest way to tell us everything we need to know to respond to your request as quickly as possible.

There is normally no charge for a subject access request. If your request is ‘manifestly unfounded or excessive’ (for example, if you make repetitive requests), a fee of £50.00 may be charged to cover our administrative costs in responding.

We will respond to your subject access request within one month of receiving it. We will carry out a reasonable and proportionate search for the personal data you have requested. Normally, we aim to provide a complete response, including a copy of your personal data, within that time. In some cases, however, particularly if your request is more complex, more time may be required, up to a maximum of three months from the date we receive your request. You will be kept fully informed of our progress.

13. How Do You Use Cookies?

Our Sites may place and access certain first-party and third-party Cookies on your computer or device. First-party Cookies are those placed directly by us and are used only by us. Third-party Cookies are placed by our service providers, such as analytics and advertising providers. We use Cookies to facilitate and improve your experience of Our Sites and to provide and improve our products and services. We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data are protected and respected at all times.

All Cookies used by and on Our Sites are used in accordance with current Cookie Law. We will only set non-essential Cookies (including analytics and advertising Cookies) with your consent, which you can give or withdraw at any time through the cookie settings on Our Sites.

Our Sites use analytics services provided by Google Analytics. Website analytics refers to a set of tools used to collect and analyse pseudonymous usage information, enabling us to better understand how Our Sites are used. This, in turn, enables us to improve Our Sites and the products and services offered through them.

Google Analytics sets the following first-party cookies:

Name of Cookie	Content	Expires
_ga	Unique identifier used to distinguish users	2 years
_ga_[container ID]	Used to persist session state	2 years
[Other analytics / advertising cookies identified by cookie scan]	[Purpose]	[Expiry]

In addition to the controls that we provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all Cookies or only third-party Cookies. By default, most internet browsers accept Cookies, but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.

You can choose to delete Cookies on your computer or device at any time; however, you may lose any information that enables you to access Our Site more quickly and efficiently, including, but not limited to, login and personalisation settings.

It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and the manufacturer of your computer or device if you are unsure about adjusting your privacy settings.

14. How Do I Contact You?

To contact us about anything to do with your personal data and data protection, including to make a subject access request, to object to our use of AI Tools, or to make a complaint, please use the following details (for the attention of Seb Brantigan):

Email address: seb.brantigan@assetsforlife.co.uk

Telephone number: 0330 808 7706

Postal Address: Suite 105, Waterhouse Business Centre, 2 Cromar Way, Chelmsford, Essex, CM1 2QE, United Kingdom

15. Changes to this Privacy Policy

We may change this Privacy Notice from time to time. This may be necessary, for example, if the law changes or if we change our business in a way that affects personal data protection.

Any changes will be immediately posted on Our Sites. Where changes are significant, we will take reasonable steps to bring them to your attention. We recommend that you check this page regularly to keep up-to-date.

This Privacy Policy will be governed by and interpreted according to the law of England and Wales.

This Privacy Policy was last updated: 22 October 2026