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Our guide to annuities

This is our guide to buying an annuity and we recommend you read this to understand your options at retirement so you are fully aware of the choices available to you.

Download our guide to annuities here


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Privacy Policy Dated:13th January 2017

Just Retirement Solutions Limited complies with and is registered under the data protection laws in the United Kingdom and takes all reasonable care to prevent any unauthorised access to your personal data.

We respect the privacy of every individual who visits our website (our "Site") and have developed this policy because we want you to feel confident about the privacy and security of your personal information.

We follow strict security procedures in the storage and disclosure of your personal information as required by the Data Protection Act 1998 ("Act").


What is personal information

 Personal data means any information about you which is personally identifiable which include your name, age, address, telephone number, email address, financial details, and any other information from which you can be identified.


What personal information do we collect about you

We collect the following information about you:

a) your name, date of birth, telephone number, address, email address, gender, dependants, marital status and certain personal sensitive information such as information about your physical and mental health;

b) information that may include (but is not limited to) information relating to your financial circumstances (for example your pension values, income and existing investments);

c) details of annuity options you may consider. 

How we process your personal information

We will only use the personal information you provide to us for the following purposes:

a) to provide the annuity comparison service to you for the purpose of obtaining quotes from annuity providers;

b) to offer you other suitable products and services by post, telephone or email;

c) to invite you to take part in customer research, potentially using specialist market research;

d) to comply with legal and regulatory obligations;

e) for general administrative purposes, including the storage and backup of data;

f)  for business and analysis purposes;

g) for the prevention and detection of fraud. 

 

Who we will share your personal information with

We may share your personal data with:

a) annuity providers. In order to get you the most accurate annuity quotation we need to share information about you, including personal data and personal sensitive data, with our chosen quotation data aggregator 'IRESS'. The annuity providers that we share your personal information with, may also use your personal information (either alone or in conjunction with a third party) and may also pass your personal information to their group companies for the following purposes: 

  • for market research and statistical purposes;
  • for gauging sales or product performance; and
  • for the prevention and detection of fraud;

The annuity providers may also pass your personal information to their third party reinsurers to enable them to provide you with a quote. This process may include sending personal information outside of the European Economic Area (“EEA”) and, if necessary, across international borders. The data protection laws in these countries may not be as extensive as in the EEA. These companies are required to process personal information about you in accordance with the Act.If you decide at any time that you no longer wish to receive marketing information from an annuity provider you should notify them using the contact details they provide you with.

b) other companies in the JRP Group  for the following purposes:comply with legal and regulatory obligations;for general administrative purposes, including the storage and backup of data;for business and analysis purposes;

c) anyone who may have referred you to us together with their group companies.


IP Address and Cookies

When you visit our Site we may automatically collect additional information about you such as the type of internet browser or mobile device you use, any Site from which you have come to the Site and your IP address (the unique address which identifies your device on the internet) and your operating system, which are automatically recognised by our web server.  You cannot be identified from this information and it is only used to assist us in providing as affective service on the Site and to collect broad demographic information for aggregate use.

For the same reason, we may obtain information about your general internet usage by using a cookie file which is stored on the hard drive of your computer. Cookies contain information that is transferred to your computer’s hard drive. They may help us to improve our Site and to deliver a better and more personalised service. They may enable us:

a) to estimate our audience size and usage pattern.

b) to store information about your preferences, and so allow us to customise our Site according to your individual interests.

c) to speed up your searches

d) to recognise you when you return to the site

Here is a list of Cookies we use:

 
  Cookie type   Cookie Name   Purpose   More information
 
  .NET   ASP.NET_SessionId   This cookie is essential for the online experience to remember selections and preferences and is set upon your arrival to the site. This cookie is deleted when you close your browser   Visit the Microsoft website
 
  Google   __utma __utmz __utmc   These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited

  Visit the Google
website

Most computer and some mobile web browsers automatically accept cookies but, if you prefer, you can change your browser to prevent that or to notify you each time a cookie is set. You can also learn more about cookies by visiting www.allaboutcookies.org which includes additional useful information on cookies and how to block cookies using different types of browser. Please note however, that by blocking or deleting cookies you may not be able to take full advantage of our Site.


Monitoring our communications with you

 We may monitor or record your calls, emails, text messages and other communications in accordance with UK law, and in particular for business purposes such as:

a) quality control and training

b) processing necessary for the entering into or the performance of a contract

c) to prevent unauthorised use of our telecommunications systems and web sites and/or services

d) to ensure effective systems operation

e) to meet any legal obligation

f)  in your vital interests

g) in order to prevent or detect crime

h) the legitimate interests of the data controller 

Please visit the Information Commissioner’s Office website for further information: http://www.ico.gov.uk

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