Liva Privacy Policy

This Privacy Policy must be read in conjunction to the Terms of Use which apply to the access and use of this website, (the “website”). The term “Liva” or “us” “our” or “we” refers to the owner of the website, Liva Partners Limited (“Liva”). The term “you” or “your” refers to the user, visitor or viewer of the website.

This Privacy Policy explains how we use and process any personal data and information we collect about you, or that you provide to us, and your rights to this data and information. By visiting the website, you are accepting and consenting to the practices described in this policy.

We hope to demonstrate our commitment to your privacy and would like to assure you that, where appropriate, all information is collected fairly and lawfully and stored securely in accordance with applicable laws and regulations.

  1. Collection of Information

The following information is collected and processed during the access and use of the website:

  • information you give us including:
      • personal data such as your name, address, email address, phone number, financial and credit card information, bank details, date of birth and occupation;
      • sensitive data such as health conditions or any motoring or non-motoring criminal offences.
  • information we collect about you, such as:
      • technical information including the internet protocol (IP) address, your log-in information, browser type and version, time zone setting and operating system and platform;
      • data regarding your visit(s) to the website and any resources used, area location data and web traffic data but does not include your name or address.
  • information we receive from other sources about you if you use any of the other websites we operate or the other services we provide. We are working closely with third parties (including, for example, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytical providers, search information provider, credit reference and fraud prevention agencies). To the extent permitted by law, we will notify you when we receive information about you from them and the purposes for which we intend to use that information.
  1. Use of Information

We use the information held about you in the following ways:

  • to carry out our obligations arising from any contracts entered into between you and us and to provide you with the information, products and service that you request from us;
  • to provide you with information about goods and services we offer that are similar to those that have already purchased or enquired about;
  • to provide you, or permit selected third parties to provide you, with information about goods and services we feel may interest you. If you are an existing customer, we will only contact you by electronic means (email or text/SMS) with information about goods and services similar to those which were the subject of a previous sale or negotiations of a sale to you. If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contract you by electronic means only if you have consented to this. If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please opt out on the form on which we collect your data (registration form);
  • to notify you about changes and improvements to the content and functionality of our website and online services;
  • to administer the website and for internal operations; to improve the website to ensure that content is presented in the most effective manner for you; to allow you to participate in interactive features of our service when you choose to do so; as part of our efforts to keep the website safe and secure; to measure or understand the effectiveness of advertising we serve to you and others and to deliver relevant advertising to you; and to make suggestions and recommendations to you and other used of the website about good and services that may interest you or them.

Unless you have expressly consented to this, we do not share any information with other organisations for marketing, market research or any other purposes.

  1. Cookies

Our website uses cookies to distinguish you from other users of our website. A cookie is a small file saved on your computer’s hard drive by a website page. While you are free to disable and delete cookies, the data stored in cookies can help improve websites’ usability, services and third-party advertising. Some parts of the website may not operate properly if you reject cookies.

Cookies don’t harm your device and cookies we use don’t store sensitive or personal information.

Further information can be found in the Cookies section below.

  1. Personal Data Storage

Our webserver and databases reside behind a firewall in a secure data centre with fault tolerance, off-site backup and fire protection.

All your information is stored by us on such secure servers. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of the website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information across the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to the website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

  1. Information Disclosure

You agree that we have the right to share your personal information with:

  • any member of our group which means our subsidiaries, our ultimate holding company and its subsidiaries (as defined in section 1159 of the UK Companies Act 2006);
  • selected third parties including business partners, suppliers and subcontractors for the performance of any contract we enter into with them or you, analytics and search engine providers that assist us in the improvement and optimisation of the website, and credit reference agencies for the purpose of assessing you credit score where this is a condition of us entering into a contract with you;
  • at any time we are legally required to disclose information;
  • it is necessary to disclose information to crime and fraud prevention agencies in order to prevent crime or fraud or helps in crime protection or prevention in order to reduce credit risk;
  • in the event that we sell our business or substantially all of our assets are acquired by a third party or we buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer or personal data held by us about our customers may be one of the transferred assets.
  • In confidence, for processing to other companies including those located outside the European Economic Area.
  • Insurance companies with whom we have either placed insurance or reinsurance or who are dealing with a claim. In addition, information may be passed to other insurance related organisations in common with industry practice. These companies will usually be located in countries inside the European Economic Area (EEA). Where information is passed to companies outside of the EEA, We will make sure they comply with the same standards of data security as though they were located inside the EEA.
  1. Information Accessibility

In accordance with permitted laws and regulations, you may exercise the right to access information we held about you and we may charge you a fee for any such access request to meet the costs to provide you with the detail of information we hold about you.

You have the right to ask us not to process your personal data for marketing purposes. We will usually information you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any such third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data You can also exercise the right at any time by contracting us at


  1. Changes to our Privacy Policy

Any changes we make to this policy in the future will be posted on this page and, where appropriate, notice to you by email. Please check back to see any updates or changes to the policy. Questions, comments and requests regarding this policy are welcomed and should be address to


Last updated 01-06-2018

What are cookies?

Cookies are small files that websites place on the device you’re using to browse the site. Cookies are commonly used to record some aspect of your visit to a site, such as choices you’ve made or preferences you’ve set during your visit.

How and why we use cookies

We use cookies to give you the best experience when you visit our website. By using cookies, we can make it easier for you to do many things, such as managing your accounts, policies, or login details, and applying for products and services. Cookies can also allow us to tailor the content of our website so we can show you services or adverts we think you may be interested in.

Keeping your personal information safe

Our cookies do not store personal information such as your name, address, phone number or email in a format that can be read by others. The cookies we use cannot read or search your computer, smartphone or web-enabled device to obtain information about you or your family, or read any material kept on your hard drive.

We do use a small number of cookies that store encrypted versions of information where you have asked us to, such as the ‘Remember me’ function that allows us to remember your Account username for subsequent visits. However, this is encrypted so that only Liva can read this information. The website that places a cookie owns that cookie. This means only that website and other sites that it has agreed to share information with can read the information stored using a cookie.

Links to sites provided by others

If you follow a link from our website to another website, please be aware that the owner of the other website will have their own privacy and cookie policies for their site. We recommend you read their policies as we are not responsible or liable for what happens at their site.

How to manage and switch off cookies

Your web browser provides settings that allow you to manage or switch off cookies. If you do switch off cookies, remember that you may not be able to use all of the services on our websites.

You can find out more about managing and switching off cookies at the independent website:

The types of cookies we use on this site


  1. Strictly necessary cookies

These cookies are essential for our online services and tools to work. They collect or record information that we need to make our site work.

Common uses for this type of cookie include:

  • storing information so that shopping baskets can be provided;
  • storing information for e-billing; and
  • allowing users to log in or access private areas of a site.

These cookies only last for a single browsing session – when you leave our site, they are removed.

  1. Performance cookies

These cookies help us to monitor and improve how our website works.

Common uses for this type of cookie include:

  • collecting information about which pages visitors go to most often;
  • noting if visitors get any error messages from web pages; and
  • understanding which links visitors like to follow (including adverts) and which they choose not to.

The information collected using these cookies is anonymous and cannot be used to identify an individual visitor.

  1. Functionality cookies

These cookies allow us to provide you with enhanced features that need to remember your preferences and choices, such as your user name, language or region. They also let us monitor how our website is performing so we can keep on improving it.

Common uses for this type of cookie include:

  • providing you with local information, such as health providers in your area;
  • remembering how you like to use our site, such as what text size you like or what media software you use; and
  • remembering what topics you’re interested in so we can provide you with related products, services and information.

The information we store in these cookies is encrypted so that only we can read it.

  1. Targeting and advertising cookies

These cookies are sometimes referred to as retargeting cookies and are placed by Liva or by advertising networks that Liva work with. These cookies remember that you have visited our site as well as what interested you on our site, such as the pages you viewed.

We use these cookies to ensure that the advertising and website content that we serve you, on our site or other websites, is aligned to your browsing habits. For example, to remind you of the products or services you have shown an interest in. These cookies are also used to limit the number of times you may see an advert/content and to tailor the messaging we serve you. They may also be used for market research and to help measure the effectiveness of an advertising campaign.

You can find out more about managing and switching off cookies at the independent website: