Privacy Policy

Estate Resolution Technologies (UK) LTD

“InheritNOW”

This Privacy and Cookie Policy describes how the Estate Resolution Technologies (UK) LTD collects, uses, disclosures and shares personal and other information in connection with providing our inheritance loan product in the UK. It includes personal information regarding yourself or any other living or deceased individual that you provide us with when you access our Website, create an account, and utilise our services. Please read this Privacy and Cookie Policy carefully to understand how the personal information you provide us through our Website, or obtained from other sources, is collected, used, disclosed, and shared.

PLEASE BE AWARE THAT BY USING OUR WEBSITE, YOU CONSENT TO THE EXTENT PERMITTED BY APPLICABLE LAW, TO THE COLLECTION, USE, DISCLOSURE, AND SHARING OF THE PERSONAL INFORMATION you provide REGARDING YOURSELF and any other living or deceased individual, or such deceased person’s ESTATE FOR THE PURPOSES SET OUT IN THIS PRIVACY AND COOKIE POLICY. SPECIFICALLY, OUR USE, DISCLOSURE, AND SHARING OF SUCH INFORMATION MAY INVOLVE ITS TRANSMITTAL OUTSIDE OF THE UNITED KINGDOM, SPECIFICALLY TO THE UNITED STATES.

Scope

Our inheritance loan product involves the collection of information about the customer and the deceased individual’s estate upon which the inheritance loan is based. While providing our inheritance loan product, we are focused on protecting your personal information and the information you provide us about the deceased and their estate. This commitment is reflected in our internal policies, safeguards, and practices to ensure compliance with relevant laws and regulations with respect to the personal information entrusted to us. This Privacy and Cookie Policy provides an overview of our inheritance loan service in the United Kingdom and describes our approach to the collection, use and disclosure of the personal and estate related information we collect, use, and disclose in connection with our services/products, including personal information regarding yourself, and information about a living or deceased individual, and the deceased person’s estate.

This Privacy and Cookie Policy covers matters pertaining to your personal information:

1. WHAT KINDS OF PERSONAL INFORMATION DO WE COLLECT AND WHERE DO WE GET IT FROM
2. WHAT DO WE USE PERSONAL INFORMATION FOR
3. WHAT IS OUR LEGAL BASIS FOR HANDLING PERSONAL INFORMATION
4. WHO DO WE SHARE THE PERSONAL INFORMATION WITH
5. HOW LONG IS THE PERSONAL INFORMATION KEPT FOR AND HOW IS IT KEPT SECURE
6. WHERE IS THE PERSONAL INFORMATION STORED AND SENT
7. IS THE PERSONAL INFORMATION USED TO MAKE AUTOMATED DECISIONS ABOUT YOU OR TO PROFILE YOU
8. WHAT ARE YOUR RIGHTS
9. WHAT COOKIES ARE USED ON OUR WEBSITE
10. WHO CAN YOU COMPLAIN ABOUT THE USE OF YOUR PERSONAL INFORMATION

Definitions

In this Privacy and Cookie Policy, we will use the following terms:

• “us”, “we”, or “our” refers to Estate Resolution Technologies (UK) LTD, trading under the name “InheritNOW” in its capacity as provider of the inheritance loan product.
• “you”, “your”, “yourself” refers to yourself as an individual, relative, next-of-kin, heir, beneficiary, executor, administrator, representative or in any other capacity regarding a Decedent and/or the Decedent’s Estate. It is assumed that you will submit (or have submitted) information on the Website .
“Borrower” refers to you, the individual applying for the inheritance loan product.
• “Website” means the InheritNOW website operated by us and located at http://inheritnow.co.uk/. The term “Website” as used in this Privacy and Cookie Policy refers solely to this Website and does not include any other website operated by us to provide our other products to other clients or any other websites that are not hosted, owned and/or operated by us or any of our domestic or international affiliated companies.
• “Decedent” refers to the deceased individual who, along with their estate, is the subject matter of the inheritance loan and submittal of personal and other information on our Website by Borrower.
• “Decedent’s Estate” means the real and personal property and other assets and liabilities of the Decedent at the time of death which may be subject to inheritance.
• “Estate Information” means any information about yourself (as a Borrower), the Decedent, and/or the Decedent’s Estate, such as the Decedent’s name, address, phone number, date of birth and, as applicable, date of death, social insurance number, names of creditors, account numbers, and information regarding any formal or informal probate or similar court or administrative process involving the Decedent’s Estate, along with the name and contact information of the Borrower (and/or executor, administrator, personal representative, beneficiary, or heir to the Decedent’s Estate) and preferences as to communication.
• “Personal data” or “personal information” means any information about an individual (including a Borrower) from which that person can be identified, all as described in the UK GDPR.
• “Companies” means banks, credit-card companies, finance companies, debt buyers, utility companies, telecoms and other creditors, financial institutions, or companies regardless of whether or not they are our client, the client of any of our affiliates, or other third-party. Please note that “Companies” may include any company, creditor, business, or firm that provides credit, a service or product to consumers in the United Kingdom, including, for example, a utility company.
• “UK GDPR” means the UK General Data Protection Regulation, as amended from time to time.

PLEASE NOTE

Personal information regarding deceased individuals is not protected by the UK GDPR and not considered personal information for purposes of this Privacy and Cookie Policy. As an integral part of our inheritance loan product, we will process your personal information about you and information regarding a deceased individual and their estate.

If you provide us with personal information about another living individual or their affairs, you acknowledge and agree that you must: (a) inform living individuals of that fact and about the content of this Privacy and Cookie Policy; and (b) obtain the consent of the living individuals to share their personal information with us in accordance with this Privacy and Cookie Policy.

About Us

Estate Resolution Technologies (UK) LTD. is a provider of probate and deceased related data, financial services and related services and is located at 9th Floor 5 Exchange Quay, Manchester, United Kingdom, M5 3EF

We will act as the controller of your personal information and the Estate Information you provide for the purposes of this Privacy Policy and ensuring that the personal information you provide or is otherwise obtained is used fairly and lawfully. If you wish to contact us about matters relating to our inheritance loan product, our use of your Personal Information, or the contents of this policy, you can do so by any of the following methods:

Post:	Email:	Telephone:

Estate Resolution Technologies (UK) LTD, trading under the name “InheritNOW”. 9th Floor 5 Exchange Quay, Manchester, United Kingdom, M5 3EF	[email protected]	0333 555 0569

Our Inheritance Loan Product

InheritNOW is a fixed sum loan product we offer to our clients. InheritNOW collects your personal information and other information that is reasonably necessary to underwrite, provide and facilitate the fixed sum loan product. In addition, certain Companies and other third parties may also provide us with factual, personal, and account-related information regarding their customers (including account numbers) who they have reason to believe have passed away, enabling us to potentially match and corroborate such information with Estate Information you have submitted to our Website.

WHAT KINDS OF PERSONAL INFORMATION DO WE COLLECT AND WHERE DO WE GET IT FROM?

Personal data means any information about an individual from which that person can be identified.

We obtain and use your personal information along with Estate Information and related information from various sources. The information collected may vary based on your relationship with the deceased. These following table provides a summary of the kinds of such personal and other information we collect and where we get it from:

Type of Information	Description	Source
Basic information about you and how to contact you	This is information such as your name, address, phone number, email address, and date of birth is used to verify your identification and relation to the deceased.	We obtain this information from you when you set up your account in order to verify your identity or when we are subsequently told that the information has changed.
		We may supplement it with information for other sources, such as publicly available records, registries, or other third-party information. We may also obtain Information about you that is provided to us by Companies, institutions, or other third parties which may or may be our clients. We also obtain Information about you that is provided to us by parties responsible for obtaining your prior consent to provide such information to us, or otherwise permitted to disclose such information under applicable law.
Information about the individual who has passed away and their Estate	This is information regarding a Decedent, the Decedent’s death, and Estate Information, including name, date of death, information regarding an executor or those authorised to represent the estate, and information about any open or outstanding accounts of the Decedent with banks, financial institutions, utility companies and others that provided products or services to the Decedent prior to death. This information may include information concerning the assets of the Decedent’s Estate. This information may also include documented information such as death certificates and other written or printed materials pertaining to the Decedent, the Decedent’s death and Estate.	We obtain this information directly from you, and from Companies, individuals and other third parties you have provided to us. We may also obtain this information directly from our clients. We may supplement the information with information from other sources, such as publicly available information or third-party data sources. Information about a Decedent that is provided to us by Companies. Such Companies are responsible for the disclosure of such information under applicable law.
Basic information about other individuals that may or may not be relatives of the deceased.	This is basic information, such as the name, relation to the Decedent, phone number, email address and other contact information, of any executor, administrator, trustee or other authorised representative, beneficiaries, heir, and any other individual that may be relevant to the Decedent’s Estate.	We obtain this information directly from you. We may supplement the information described above with information from other sources, such as publicly available information or third-party data sources.
Login credentials	This is your username, password and other information used to control access to our services.	We obtain this information directly from you.
Product usage	This is information about how and when you use the product. It includes information about the dates and times on which you accessed the product, the IP address you accessed it from, and how you used the product when you were logged in.	We obtain this information from you when we set up your account or when we are subsequently told that the information has changed.
Your Marketing and Communication preferences	Information, such as your location or preferred means of communication, updates or corrections is collected when you voluntarily provide it.	We obtain this information directly from you.
Financial Information	This includes information about your bank(s) or financial institution(s), including account numbers, and credit or debit card details.	We obtain this information directly from you.
Your requests and enquiries	This is information you provide us with as part of a technical support query or other request or enquiry.	We obtain this information directly from you.

We also obtain Information about you that is provided to us by Companies or other institutions that are either responsible for obtaining your prior consent to provide such information to us, or otherwise permitted to disclose such information under applicable law.

Some information, such as your location, or updated or corrections to any information is collected when voluntarily provided by you.

It is mandatory for you to provide us with your personal information and information regarding the deceased, the deceased’s estate and others in order for us to be able to provide our inheritance loan product correctly. It is not mandatory for you to provide us with your personal information, but we may not be able to help you if you do not provide that information.

WHAT DO WE USE PERSONAL INFORMATION FOR?

Purpose for Use and Processing	How we use the information
Making our inheritance loan product and other products available to you, those managing, administering or advising Estates, as well as other Companies and entities involved in the Estate.	We use the personal information and other information you provide regarding the decedent and the decedent’s estate to operate and provide our inheritance loan product and administer the accounts of people who use it. We hold username and password details in order to control access to the services. We might also need to access your Personal Information to provide you with information, services, and alerts that you have requested or may otherwise be necessary. If you are a registered user of our services, your Personal Information and the other information you provide may be used in connection the provision of our services, including notifying our affiliated companies and other third parties.
Developing and Improving our Products	We use information such as how different people use our services, how long they spend on particular tasks and what sort of information they provide in order to improve the products and services. This information is also used for security and system administration and to generate aggregate non-personalised information for use by us or our clients.
Security	We monitor access to our services to help ensure that those services and the data they make available are only accessed by people who are authorised to have access to them. If we detect suspicious activity, we may suspend an account and investigate.
Systems Development and Testing	We may use personal information while improving, developing, or testing our products, services and systems. This includes making sure that our security measures are working properly. Where possible, we will anonymise or pseudonymise the data before doing this.
Providing Technical Support	If you contact us with a query about a product or service, we may use your personal information to provide you with assistance including contacting you about your request.
Legal and Regulatory purposes:	If you object to us processing your personal information, we will need to use this information to assess your request. If you make a complaint about us to our regulators, they will normally ask us to investigate your case. This will involve accessing your personal information in the course of that investigation. Similarly, if you start any legal proceedings against us, we will normally need to review how we have used your personal information order to defend ourselves against your claim. If you contact us we may need to use your personal information to help us handle your enquiry. We may also sometimes need to use your personal information for legal and regulatory purposes.

WHAT IS OUR LEGAL BASIS FOR HANDLING PERSONAL INFORMATION?

Below is an explanation of the legal basis for us to process your personal information.

Legitimate Interests:

The UK’s data protection law allows the use of the personal information you provide where necessary for legitimate purposes provided that are not outweighed by the impact it has on you. The law calls this the “legitimate interests” condition for processing personal information. Our legitimate interests to use and process your personal information are:

Our Interest	Explanation
Making our products and services available to you, our clients, and other creditors.	We need to make our inheritance loan product available to you, our clients and other Creditors, for our business to function and for us to provide you our inheritance loan product. This includes when our products and services are provided in connection with the performance of a contract.
Developing and improving our products and services	We have an interest in improving our products and services in order to help ensure that we remain competitive and operate efficiently.
Administration of our services and business	For us to provide our products and services properly we need to keep all account information and records up to date.
Monitoring and securing our systems and data	We use personal information to ensure that our systems and the data we make available through the Website are kept secure and only made available to the correct people or entities.
Maintaining our relationships with our clients	We have an interest in developing and maintaining good relationships with our clients. As a business, we seek to earn revenue through the sale of our products and services to our customers and clients. We do this by engaging in some of the other activities described above, such as improving our products and services, and maintaining good client relationships.

Other Legal Basis:

In some circumstances, we may have other bases to process personal data. These are set out in the following table, along with examples of the circumstances in which they might apply.

Legal Basis	Examples
Necessary for performance of a contract or to take steps for entering into a contract.	If you sign up and open an account for one of our products or services, it will often be necessary for us to use your personal information to provide that product or service.
Consent	We may in some circumstances rely on your consent. In certain purposes, your use of our Website and/or our inheritance loan product indicates your consent to the provisions of this Privacy and Cookie Policy and/or Terms and Conditions. YOU SHOULD CAREFULLY READ THIS PRIVACY AND COOKIE POLICY AND THE TERMS AND CONDITIONS RELATING TO THIS WEBSITE. In other circumstances you may be specifically asked if you agree to us using your information in specified ways, for example when you fill in a web form on our Website or tick a box indicating that you wish to receive marketing emails or telephone calls from us. You can withdraw your consent at any time. Please see Section 8.
Necessary to comply with a Regulator or other legal obligation.	Regulators, government bodies and courts have the power to order us to provide information and personal information is sometimes required to comply with their requests.

WHO DO WE SHARE THE PERSONAL INFORMATION WITH?

Our Affiliates:

We may share your personal information with our affiliates operating in the UK where necessary for the purposes specified in Section 2 above or where we have a legitimate interest to do so. If we do so, then the use of the data by those companies will be governed by this Privacy and Cookie Policy as applicable. A list of our affiliates in the UK is set forth below and may be updated from time to time

Company Affiliate	Main trading address and registered office
Please note that Estate Resolution Technologies (UK) Ltd also provides other products and services under different trading names.	Compliance Department, Estate Resolution Technologies (UK), Ltd. 9th Floor 5 Exchange Quay, Manchester, United Kingdom, M5 3EF.
Phillips & Cohen Associates (UK) Ltd.	Compliance Department, Phillips & Cohen Associates (UK), Ltd. 9th Floor 5 Exchange Quay, Manchester, United Kingdom, M5 3EF

The Estate and Its Authorized Representatives

We may provide your information to the Estate upon which your inheritance loan is based and any authorized representative of the Estate in order to facilitate the inheritance loan product.

Our Service Providers :

We may provide your information to third parties who help us use it for the purposes described in Section 2. For example:

• Our database of personal data may be hosted by third parties on our behalf. For example, we use cloud-based services to help us host, manage, analyse and use our databases of personal data.
• We may use third parties to hold personal data on our behalf.
• We may use printing and other companies to produce and send personalised direct mail, e-mails, text messages, or other correspondence.
• We may use third party service providers (or affiliates) to receive requests and enquiries from individuals and to handle them on our behalf in accordance with our policies and procedures.
• We may use market research companies to help us better understand our clients and the individuals that utilise our products and services.
• Our auditors may obtain access to personal data in the course of accounting audits.

These service providers listed above will not be allowed to use your information for their own purposes

Public Registries, Data Suppliers, and other Third Parties:

We may need to check the information you provide with governmental or public registries to confirm or verify the information that you have provided to us or that we have legally obtained from another source. In some cases, this type of public or identification information is held by third parties.

Sharing of Anonymised Data with Third Parties:

We may share anonymised information with other third parties, but only where the information cannot realistically be identified as relating to you.

HOW LONG IS THE PERSONAL DATA KEPT FOR AND HOW DO WE KEEP IT SECURE

We will only retain your personal information for as long as reasonably necessary to fulfill the purposes we collected it for, including for the purpose of satisfying any legal regulatory, tax, accounting or reporting requirement.

Generally, we will keep your personal data and the other information you provide for as long as you are a registered user of any of our services and may keep it for an additional period of time after your account is closed, including as may be necessary to comply with tax, audit and other legal obligations. We may also keep the data for that additional period to investigate any data related issues, restore our systems in the event of a data loss, and in order to investigate and respond to any complaints, claims and enquiries that we may receive from you or our regulators.

We have put in place appropriate security measures to prevent your personal information from being accidentally lost, used or accessed in an unauthorised manner. In addition, we limit access to your personal information to employees, agents, contractors and other third parties who have a business need for such access and will only process your personal information on our instructions and subject to a duty of confidentiality.

WHERE IS THE PERSONAL DATA STORED AND SENT?

Within Europe and North America

We are based in the United Kingdom and will access and use your information from here. We also have operations elsewhere in Europe (currently Germany) and North America (currently the United States and Canada) and personal information may also be accessed from there. When accessed outside of the UK we ensure that the use of information in those locations is protected by UK and/or European data protection standards, as applicable.

Elsewhere:

We also send information elsewhere in the world. For example, we use cloud-based technology or a backup facility overseas and people in other countries may require access to our database to provide technical support or system development and testing.

While the UK and countries within the European Union all ensure a high standard of data protection law, some parts of the world may not provide the same level of legal protection in relation to personal data. As a result, when we do send personal data overseas, we will make sure that suitable safeguards are in place to protect the information. If you would like further details about the safeguards in place, please contact us using the contact information provided below.

IS THE PERSONAL DATA USED TO MAKE AUTOMATED DECISIONS ABOUT YOU OR TO PROFILE YOU?

We do not use automated decision-making or profiling in relation to your personal data where this would have a legal or similarly significant impact on you.

WHAT ARE YOUR RIGHTS?

You have several different rights in relation to the personal data that we hold about you. These are briefly described below. To exercise these rights, please use our contact information in Section 1.

Access: You have a right to find out what personal information we hold about you, and certain other information such as how we are using it.
Withdrawal of consent: In situations where we have relied on you consent to use or process your personal information, you may withdraw that consent.
Objection to direct marketing: You have the right to object to us using the information that is subject to this Privacy and Cookie Policy for direct marketing purposes.
Rectification: If the information that we hold about you is inaccurate or out of date, you have a right to ask us to correct it.
Objection to legitimate interests: If you disagree with us relying on the legitimate interests legal basis for using your personal information (see Section 3), you can object to us doing so. We will then reassess the extent to which we can continue to use that information based on your particular circumstances.
Transfer: you have the right to request the transfer of your data utilising the contact information provided below OK
Erasure: In certain circumstances you can ask us to delete your personal information from our systems. However, we may be entitled to keep some of it.
Restriction: In some circumstances you can ask us to restrict the ways in which we use your personal information.

You will not have to pay a fee to access your personal information or to exercise any of the other rights described above. However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. We could also refuse to comply with your request under these circumstances.

WHAT COOKIES ARE USED ON OUR WEBSITE?

“Cookies” are small text files offered to a user’s computer by web servers to keep track of the user’s browser when a website is navigated. We use cookies and similar technologies on our Websites that offer business product and technical support facilities to distinguish you from other users of our Website.. This helps us to provide you with a good user experience and also allows us to personalise and improve the business product website (including its security). We use the following kinds of cookies:

Strictly necessary cookies. These are cookies that are required for the operation of our Website. They include, for example, cookies that enable you to log into secure areas of our Website.
Analytical/performance cookies. These cookies allow us to recognise and count the number of visitors and to see how visitors move around our Website when they are using it. This helps us to improve the way our business product website works, for example, by ensuring that users are finding what they are looking for easily.
Functionality cookies. These are used to recognise you when you return to our Website. This enables us to personalise our content for you, greet you by name and remember your preferences.

We have included examples of the types of cookies we use and the purposes for which we use them in the table below. Please note that this is not an exhaustive list, but rather aims to be representative. Information about cookies that may be set by third parties, such as our partners, is below.

COOKIE TITLE

Cookie Type

Purpose

Duration/Expiry

Complianz

cmplz_banner-status, cmplz_consented_services, cmplz_functional, cmplz_marketing, cmplz_preferences, cmplz_statistics

Functionality cookies

These cookies store user preferences for cookie consent and website functionality and web host support.

Indefinitely unless user requests to delete

WP Engine

ajs_anonymous_id, ajs_group_id

mf_user

Functionality cookies

These cookies tracks user interactions with website for the purpose of website functionality and web host support.

1 year or less

Hotjar

_hjSessionUser_{site_id}

_hjHasCachedUserAttributes

_hjUserAttributesHash

_hjUserAttributes

hjViewportId

hjActiveViewportIds

_hjSession_{site_id}

_hjCookieTest

_hjLocalStorageTest

_hjSessionStorageTest

_hjTLDTest

_hjClosedSurveyInvites

_hjDonePolls

_hjMinimizedPolls

Analytics and performance cookie

To optimize website functionality, collects personal data on website users’ behavior, and their devices including personal data like online identifiers (e.g. device’s IP address, user ID), identification data (e.g. name, email address, only if we explicitly collect it), technical data (e.g. device type and screen size, browser information), geographic location (country only), behavioral data (interactions with our website/app such as clicks, taps, scrolls).

1 year

Third-party cookies

Our Website may contain cookies from third parties. Third-party cookies are those placed by websites, services, and/or parties other than us. These third parties may use cookies to collect information about your online activities across different websites and services. We do not have control over these cookies and their use is subject to the privacy policies of the respective third parties.

The following third-party cookies may be placed on your computer or device:

COOKIE TITLE Cookie Type	Provider	Purpose	Duration/Expiry
Google Analytics Analytical and performance tracking cookie	Google https://policies.google.com/technologies/cookies?hl=en-US	Collects data about user behavior to provide measurement services and better target ads and marketing, or to gain insights and improve the functionality of the Website.	2 years
Google Tag Manager Analytics and performance tracking cookie	Google https://developers.google.com/tag-platform/security/concepts/cookies	Allows website owners to manage and deploy marketing tags without editing the website code directly	2 years
Evergage Analytics and Performance cookie	Evergage https://developer.salesforce.com/docs/marketing/personalization/guide/web-integration.html	Collects detailed analytics on user behavior to personalize website content or advertisements based on user activity.	2 years
Facebook Analytics and performance cookie	Meta https://www.facebook.com/privacy/policies/cookies/	Used to track conversions from Facebook ads and integrate Facebook social features like “Share” buttons or “Like” buttons	2 years
Google CONSENT Functionality Cookie	Google https://policies.google.com/technologies/cookies?hl=en-US	Stores user preferences for cookie consent on the website.	Indefinite until user revokes consent.
NID Google Functionality Cookie	Google https://policies.google.com/technologies/cookies?hl=en-US	Stores preferences like language settings and search settings across Google properties.	6 months
OGPC Google Functionality Cookie	Google https://policies.google.com/technologies/cookies?hl=en-US	Stores preferences related to Google services such as Google Maps, Google Search, etc.	1 month
SEARCH_SAMESITE Google Functionality	Google https://policies.google.com/technologies/cookies?hl=en-US	Used to maintain search session preferences or behaviors to ensure a more personalized and relevant search experience across Google services	Session based lasting up to 6 months

WHO CAN YOU COMPLAIN TO IF YOU ARE UNHAPPY ABOUT THE USE OF YOUR PERSONAL DATA?

We try to ensure that we deliver the best levels of customer service but if you are not happy you should make contact so that we can investigate your concerns. Please contact us using these details:

Post:	Email:	Telephone:

Compliance Department, Estate Resolution Technologies (UK), LTD. 9th Floor 5 Exchange Quay, Manchester, United Kingdom, M5 3EF	[email protected]	0333 555 0569

You can also contact our Data Protection Officer at [email protected]

You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO), which is the body that regulates the handling of personal data in the United Kingdom. You can do this online through the ICO’s website at www.ico.org.uk., by telephone on 0303 123 1113, or by writing to them at Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, SK9 5AF.

We keep our Privacy and Cookie Policy under regular review this version was last updated on May 2, 2025.

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