How our voucher reward works: When you take out a Life Insurance, Critical Illness Insurance or Income Protection policy through Blue Light Money you are eligible for the voucher reward offer. The amount of your voucher is calculated by the size of your total insurance policy premium, rounded up to the nearest £5. For example, if your policy premium was £46.50 per month, you would get a voucher reward worth £50.00. The voucher reward is payable only when your policy goes active, and is paid 3 calendar months after your policy start date. Maximum voucher reward per postcode is £150.00. Offer does not apply to Private Medical Insurance, Whole of Life Insurance, Mortgages, Remortgages, or Will Writing. Where it is not possible to provide the voucher, the reward will be issued as a cash back sum paid by bank transfer.

How our free will kits work: In the event you purchase a Life Insurance, Private Medical Insurance, Critical Illness Insurance or Income Protection policy, or arrange a Mortgage or Remortgage through Blue Light Money you will be eligible for a free will writing kit. Will writing kits are not sent automatically and must be requested. Upon request we will send a will writing kit to you in the post no later than 14 working days following such request. Only one will kit per postcode. Will writing is not regulated by the Financial Conduct Authority.

How children's cover works: If you choose an insurance policy which includes Critical Illness Insurance then many of our insurers will include childrens critical illness cover as standard - please speak to your adviser and refer to the policy terms and conditions for more information. Please note for Life Insurance only, Income Protection and Private Medical Insurance policies children's cover is not included as standard.

Insurance Premium Discounts: All quotes for Life Insurance, Critical Illness Insurance, and Income Protection insurance will be run by default with a 10% commission sacrifice. This commission sacrifice reduces the cost of the premium. The reduction depends on the insurer, the size of the premium and other factors so may vary from quote to quote. Upon request your adviser will be happy to show you a comparison between your commission sacrificed quote, and a quote with no commission sacrifice. This commission sacrifice does not apply to Private Medical Insurance, Whole of Life Insurance, Mortgages or Will Writing. There are a small number of insurers who do not allow us to apply a commission sacrifice - where this is not possible, no commission sacrifice will be applied.

How our voucher reward works: When you take out a Life Insurance, Critical Illness Insurance or Income Protection policy through Blue Light Money you are eligible for the voucher reward offer. The amount of your voucher is calculated by the size of your total insurance policy premium, rounded up to the nearest £5. For example, if your policy premium was £46.50 per month, you would get a voucher reward worth £50.00. The voucher reward is payable only when your policy goes active, and is paid 3 calendar months after your policy start date. Maximum voucher reward per postcode is £150.00. Offer does not apply to Private Medical Insurance, Whole of Life Insurance, Mortgages, Remortgages, or Will Writing. Where it is not possible to provide the voucher, the reward will be issued as a cash back sum paid by bank transfer.

How our free will kits work: In the event you purchase a Life Insurance, Private Medical Insurance, Critical Illness Insurance or Income Protection policy, or arrange a Mortgage or Remortgage through Blue Light Money you will be eligible for a free will writing kit. Will writing kits are not sent automatically and must be requested. Upon request we will send a will writing kit to you in the post no later than 14 working days following such request. Only one will kit per postcode. Will writing is not regulated by the Financial Conduct Authority.

How children's cover works: If you choose an insurance policy which includes Critical Illness Insurance then many of our insurers will include childrens critical illness cover as standard - please speak to your adviser and refer to the policy terms and conditions for more information. Please note for Life Insurance only, Income Protection and Private Medical Insurance policies children's cover is not included as standard.

How our free will kits work: In the event you arrange a new mortgage, or remortgage through Blue Light Money you will be eligible for a free will writing kit. Will writing kits are only eligible to be sent on successful completion of your mortgage and are not sent automatically, they must be requested. Upon request we will send a will writing kit to you in the post no later than 14 working days following such request. Only one will kit per postcode. Will writing is not regulated by the Financial Conduct Authority. Offer does not apply to product transfers or private medical insurance policies.

How our voucher reward works: In the event you arrange a new mortgage, or remortgage through Blue Light Money you will be eligible for the voucher reward offer. The amount of your voucher is £25.00. The voucher reward is issuable only on successful completion of your mortgage, and is issued 3 calendar months after the date of completion. Maximum voucher reward per postcode is £25.00. Offer does not apply to product transfers or Private Medical Insurance policies. Where it is not possible to provide the voucher, the reward will be issued as a cash back sum paid by bank transfer.

Access to exclusive rates: Blue Light Money is a trading style of Lifetime Wealth Management Limited, an Appointed Representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited. As a result of being part of Quilter, one of the largest financial services networks in the UK, we have access to some rates that are not typically available on the High Street. Please be aware the rates lenders offer different financial institutions are frequently subject to change and we therefore can never guarantee the rate we offer you is not also available elsewhere.

Key Worker Preferential Lending Criteria: Some of our lenders offer special deals and flexible lending terms to those considered as key workers. Lenders that currently offer such a proposition include Kensington Mortgages, Principality, and Buckinghamshire Building Society. Please note each lender has specific eligibility criteria and terms and conditions associated with these offers. All lender offers are subject to change at any time and we cannot therefore guarantee such offers will be available to you at the time you apply.

CUSTOMER PRIVACY NOTICE

Blue Light Money are committed to protecting your privacy and ensuring that your personal information is collected and used appropriately, lawfully and transparently. Blue Light Money are a trading name of Lifetime Financial Management Limited who are Directly Authorised and regulated by the Financial Conduct Authority. Our FCA registered number is 448415.

This Privacy Notice explains:

• Who we are • What personal information we collect • How we use your personal information • Who we share your information with and why • How we keep your information secure • Your rights • How to contact us

WHO WE ARE

Blue Light Money provide life assurance and protection advice. Currently Blue Light Money determine the purposes and means of processing personal client data relating to giving advice. This means Lifetime Financial Management Limited are data controllers for these core advice giving activities and therefore responsible for managing this client data and ensuring compliance. However, Blue Light Money is solely responsible for some activities, for example any direct marketing that we undertake.

WHAT PERSONAL INFORMATION WE COLLECT

Personal information includes your name, address, or phone number and other information that is not otherwise publicly available. We collect personal information about you when you contact us about products and services, visit a financial advisor, visit a website we may have or register to receive one of our newsletters (if applicable).

The type of personal information we collect will depend on the purpose for which it is collected and includes:

• Contact details • Information to verify your identity • Family, lifestyle, health and financial information • Payment details.

We collect personal information directly from you. For example, we ask for personal information at the start of our relationship and in subsequent communications in order to check your identity and protect you from fraud. This is a legal requirement and is important to help safeguard you against potential crime.

SPECIAL CATEGORY INFORMATION

In some instances, it is necessary to collect more sensitive information (such as health or lifestyle information) which is called special category data. This is to allow us to provide our financial advice service to you. We will always obtain your consent during the advice process to gather this data and explain what information we require and why it is needed. Sensitive personal information will always be processed and stored securely. You can withdraw your consent at any time to us processing this data, however, this may mean that you can no longer access the service or product the information was gathered for.

COOKIES

We also collect information about you from other sources. For example, our website automatically collects information from your computer using “cookies” which provides us with limited personal information. Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the website owners. For further information visit www.aboutcookies.org or www.allaboutcookies.org. You can set your browser not to accept cookies and the above websites tell you how to remove cookies from your browser. However, in a few cases some of our website features may not function as a result.

DATA RETENTION

We keep your personal information only as long as is necessary for the purpose for which it was collected and to meet regulatory or legislative requirements. Personal information will be securely disposed of when it is no longer required, in accordance with our Data Retention and Disposal Schedule. A copy of this is available using the contact details below.

ON WHAT BASIS DO WE COLLECT DATA

The processing of your personal data is allowed under a number of lawful basis. The data required for the provision of products and services is processed on the basis there is a contract with you to do so. Any relevant marketing activity we undertake is done because as a firm we have a legitimate interest to do so however you have rights, as listed below, which impact how we can use and process your data.

HOW WE USE YOUR PERSONAL INFORMATION

We process your information in order to support and maintain our contractual relationship with you and to comply with legal and regulatory requirements. This includes the following:

• Providing our advice, products or services to you • Carrying out transactions you have requested • Confirming and verifying your identity for security purposes • Credit scoring and assessment, and credit management (where applicable) • Detecting and preventing fraud, crime, money laundering or other malpractice.

We also process your data for specific business purposes to enable us to give you the best products and services and the best and most secure experience. For example, we process your information to send you marketing that is tailored to your interests. Our business purposes include the following:

• Enhancing, modifying, and personalizing our services for the benefit of our customers • Providing communications which we think will be of interest to you • Market or customer satisfaction research or statistical analysis • Audit and record keeping purposes • Enhancing the security of our network and information systems.

You have the right to object to this processing if you wish, please see “YOUR RIGHTS” section below. Please bear in mind that if you object this may affect our ability to carry out the tasks above for your benefit. We may also process your personal data as part of an acquisition or sale. Should this happen, you will be notified about any change to processing or data controller arising as a result of this activity.

WHO WE SHARE YOUR INFORMATION WITH AND WHY

We share your information with trusted third parties who perform tasks for us and help us to provide the services you require these include:

• Other companies within the Lifetime Group • Third parties to verify your identity, in line with money laundering or other requirements (this may involve carrying out checks with credit reference databases); • Third parties who perform tasks for us to help us set up or service your plan (these third parties may be based in countries outside the European Economic Area (EEA) but where they are, we will undertake an assessment of safeguards in place); • Other organizations, including regulatory bodies, the police and fraud prevention agencies, to prevent and detect fraud; • Third parties where required by law, court order or regulation; and • Third parties as part of an acquisition or sale.

HOW WE KEEP YOUR INFORMATION SECURE

We are committed to ensuring the confidentiality of the personal information that we hold, and we continue to review our security controls and related policies and procedures to ensure that your personal information remains secure. When we contract with third parties, we impose appropriate security, privacy and confidentiality obligations on them to ensure that personal information is kept secure.

If we work with third parties in countries outside the EU we ensure these are countries that the European Commission has confirmed have an adequate level of protection for personal information, or the organization receiving the personal data has provided adequate safeguards. In limited circumstances data may be accessed outside of the EEA ie by employees when they travel. In these circumstances we ensure there are appropriate information security measures in place to safeguard your information.

YOUR RIGHTS

Blue Light Money tries to be as open as it can be in terms of giving people access to their personal information and therefore have outlined your rights below. This privacy notice was drafted with brevity and clarity in mind, therefore further information can be gathered by contacting us using the details below, or more information about your data protection rights can be found here: https://ico.org.uk/for-organisations/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/

MARKETING

You have the right to opt out of marketing information and tell us what your communication preferences are by contacting Lifetime Financial Management using the details provided at the end of this notice or by using the opt out option below or on any email marketing. You may opt out at any time if you don’t want to receive any further communications of this nature.

INDIVIDUAL DATA RIGHTS AND REQUESTS

• The purposes of the processing; • The right to be informed – You can request that we provide ‘fair processing information’, typically through this privacy notice; • The right of access - You may request a copy of the personal information we hold about you using the contact details found on the end of this policy; • The right to rectification - The accuracy of your personal information is important to us. You have the right to ask us to update or correct your personal information; • The right to erasure – You may request the deletion or removal of personal data where there is no compelling reason for its continued processing; • The right to object – You may object to the processing of your data based on legitimate interests; • The right to restrict processing - You have a right to request we ‘block’ or suppress processing of your personal data; • The right to data portability – You may request to obtain and reuse your data; and • The right not to be subject to automated decision-making including profiling.

If you wish to correct, restrict, delete or make changes to your personal information, or any of the data subject rights listed above, please contact us at the number/address listed below.

HOW TO CONTACT US

If you have questions about this notice, need further information about our privacy practices, or wish to give or withdraw consent, exercise preferences or correct your personal information, please contact us using the following details. Lifetime Financial Management Limited will liaise with Blue Light Money on your behalf to affect your request.

The Data Protection Officer Lifetime Financial Management 12-14 Upper Marlborough Road St Albans AL1 3UR

HOW TO COMPLAIN

If you wish to raise a complaint about how we have handled your personal data, you can contact The Office of Data Protection who will investigate the matter. If you are not satisfied with our response or believe we are not processing your personal data in accordance with the law, you can complain to our regulator:

Information Governance department Information Commissioner's Office Wycliffe House Water Lane Wilmslow Cheshire SK9 5AF 0303 123 1113 www.ico.org.uk/concerns

CONSENT TO GATHER SPECIAL CATEGORY DATA

As detailed above, in some instances, it is necessary for us to collect more sensitive information (such as health or lifestyle information) which is called special category data. This is to allow us to provide our financial advice service to you. This is where we need to gather your consent to the collection and processing of this data. You can withdraw your consent at any time to us processing this data, however, this may mean that you can no longer access the service or product the information was gathered for.

For the month of March 2019, any person who purchases a policy will be entered into a prize draw to win an Amazon Fire Tablet (8GB).

The promoter is: My Advice Ltd (company no. 8374617) whose registered office is at 7 Bradshaw Street, Northampton, NN1 2HL.

The competition is open to residents of the United Kingdom aged 18 years or over except employees of My Advice Ltd, Blue Light Money, Insurance For Forces Solutions, Blue Light Card Ltd and their close relatives and anyone otherwise connected with the organisation or judging of the competition.

There is no entry fee and no purchase necessary to enter this competition.

By entering this competition, an entrant is indicating his/her agreement to be bound by these terms and conditions.

Route to entry for the competition is only via the advert posted on the Blue Light Card newsletter.

Only one entry will be accepted per person. Multiple entries from the same person will be disqualified.

In order to enter, you must enquire with Blue Light Money, and you must purchase a policy.

Closing date for entry will be 1st March 2019 at 1:00PM. After this date the no further entries to the competition will be permitted.

All qualified entrants will then be collated, and a winner selected at random using a random number generator.

No responsibility can be accepted for entries not received for whatever reason.

The rules of the Amazon Fire Tablet competition and how to enter are as follows:

Any person who purchases a policy through Blue Light Money between the dates of 1st March 2019 and 1st April 2019 is automatically entered into the prize draw.

The prize is as follows: One Amazon Fire Tablet (8GB), Colour – Black. The prize is as stated and no cash or other alternatives will be offered. The prizes are not transferable. Prizes are subject to availability and we reserve the right to substitute any prize with another of equivalent value without giving notice.

The promoter reserves the right to cancel or amend the competition and these terms and conditions without notice in the event of a catastrophe, war, civil or military disturbance, act of God or any actual or anticipated breach of any applicable law or regulation or any other event outside of the promoter’s control. Any changes to the competition will be notified to entrants as soon as possible by the promoter.

The promoter is not responsible for inaccurate prize details supplied to any entrant by any third party connected with this competition.

Winners will be chosen: at random by software, from all entries received and verified by Promoter and or its agents. Winners must prove they are a member of the NHS/Police/Fire Service/Prison Service/Civil Service/Armed Forces/Other Public Emergency Services

The winner will be notified by email or letter within 28 days of the closing date. If the winner cannot be contacted or do not claim the prize within 14 days of notification, we reserve the right to withdraw the prize from the winner and pick a replacement winner.

The promoter will notify the winner when and where the prize can be collected / is delivered.

The promoter’s decision in respect of all matters to do with the competition will be final and no correspondence will be entered into.

By entering this competition, an entrant is indicating his/her agreement to be bound by these terms and conditions.

The competition and these terms and conditions will be governed by English law and any disputes will be subject to the exclusive jurisdiction of the courts of England.

The winner agrees to the use of his/her name and image in any publicity material, as well as their entry. Any personal data relating to the winner or any other entrants will be used solely in accordance with current UK data protection legislation and will not be disclosed to a third party without the entrant’s prior consent.

The winner’s name will be available 28 days after closing date by emailing the following address: [email protected]

Entry into the competition will be deemed as acceptance of these terms and conditions.

This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook, Twitter or any other Social Network. You are providing your information to My Advice Ltd and not to any other party. The information provided will be used in conjunction with our Privacy Policy.

Blue Light Money decision as to those able to take part and selection of winners is final.

Blue Light Money shall have the right, at its sole discretion and at any time, to change or modify these terms and conditions, such change shall be effective immediately upon posting to this webpage.

Blue Light Money also reserves the right to cancel the competition if circumstances arise outside of its control.

Blue Light Money shall have the right, at its sole discretion and at any time, to change or modify these terms and conditions, such change shall be effective immediately upon posting to this webpage.

Blue Light Money also reserves the right to cancel the giveaway if circumstances arise outside of its control.

You are now departing from the regulatory site of Blue Light Money. Neither Blue Light Money nor Lifetime Financial Management Limited are responsible for the accuracy of the information contained within the linked site.

By agreeing to our Terms & Conditions, you agree to our Privacy Policy and our Contact Policy.

How our service works Here at Blue Light Money we are a regulated, advisory insurance broker. Our intentions for all of our customers is to provide them with a personalised service, taking into account their individual circumstances to help find them the most suitable insurance and mortgage products at the best possible price. We stay in contact with our customers annually which allows us to stay up to date with changes to their financial and family situation and ensure the policies evolve as their lives change. Due to the inherent complexities of the insurance and mortgage products we offer, and the large number of insurers and lenders we work with it is vital that we take the time to understand your circumstances, including information about your health, family history, existing policies, financial situation and current needs and desires. This will allow us to provide accurate, relevant and suitable quotations. We take great pleasure in being there for our customers not just now, but into the future.

Our contact policy Here at Blue Light Money we have rigid policies to ensure we are only contacting customers who want our services and to ensure we do not harrass or pressure customers or become a nuisance in any way. Following your enquiry, you will have the opportunity to book a call with a member of our team. If you do not book a call at this stage, our team will try on five occasions to contact you to arrange an initial conversation that will allow us to gather the information necessary to provide you with the best advice. After this we will send you occasional emails reminding you that our offer is still valid and inviting you to re-establish contact with us at a time that suits better for you, and you will be added to our mailing list so we can make you aware of future offers that may be of interest to you. If at any stage you no longer want our services all you need to do is let us know by emailing [email protected] and we will remove your details immediately.

How our voucher reward works: When you take out cover through Blue Light Money you are eligible for the voucher reward offer. The amount of your voucher is £25.00. The voucher reward is payable only when your policy goes active, and is paid 3 calendar months after your policy start date. Maximum voucher reward per postcode is £25.00. Offer does not apply to Private Medical Insurance. Where it is not possible to provide the voucher, the reward will be issued as a cash back sum paid by bank transfer.

How our free will kits work: In the event you purchase a policy through Blue Light Money you will be eligible for a free will writing kit. Upon request we will send a will writing kit to you in the post no later than 14 working days following such request. Only one will kit per postcode. Will writing is not regulated by the Financial Conduct Authority.

How children's cover works: If you choose a policy which includes Critical Illness Insurance then most of our insurers will include childrens critical illness cover as standard - please speak to your adviser and refer to the policy terms and conditions for more information. Please note for Life Insurance only, Income Protection and Private Medical Insurance policies children's cover is not included as standard.

Two Months Free Offer: In the event you purchase a policy through Blue Light Money and provided your initial website enquiry (successful completion of our website enquiry form) was made between 9:00am on the 1st December and 9:00am on the 23rd December we'll issue a cash back reward equal to two times the sum of your first monthly premium up to a maximum of £150.00. For example if your monthly premium was £25.00 per month, your cash back would equal £50.00. This cash back reward will be paid in two separate instalments. The first instalment will be paid on month 3 of your cover (once you have paid three monthly premiums). The second instalment will be paid on month 12 of your cover (once you have paid twelve monthly premiums). If you allow your policy to lapse, or if premiums are unpaid or the policy is in arrears prior to the intended cash back payment date the payment will be withheld until your premiums are brought up to date. If for any other reason the insurer removes your policy from "active status" before the intended cash back payment date the payment will be withheld until the policy is confirmed as live again and all outstanding premiums are brought back up to date. Maximum cashback payment per postcode is £150.00. Offer does not apply to Private Medical Insurance policies.

How our free will kits work: In the event you purchase a policy through Blue Light Money you will be eligible for a free will writing kit. Upon request we will send a will writing kit to you in the post no later than 14 working days following such request. Only one will kit per postcode. Will writing is not regulated by the Financial Conduct Authority.

How children's cover works: If you choose a policy which includes Critical Illness Insurance then most of our insurers will include childrens critical illness cover as standard - please speak to your adviser and refer to the policy terms and conditions for more information. Please note for Life Insurance only, Income Protection and Private Medical Insurance policies children's cover is not included as standard.

Always think carefully before securing debt against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.