Privacy

The data controller is MMO International LLC, trading as House & Heirs; its company details are on the terms page. Contact: hello@houseandheirs.com. Your data is stored on servers in the European Economic Area and the United Kingdom, and UK GDPR applies to everything we do with it.

We collect as little as we can, keep it only to do what you asked, and never sell it.

What we collect

• The answers you give in the check: whether you are answering for yourself or for a parent; who lives in the house, and whether a couple who live there are married or in a civil partnership (a relative aged 60 or over and a relative who is disabled are kept as one answer, which does not say which); the owner’s age band; the house’s rough value; and the savings band. Each version of the check asks a few things more: the care, inheritance tax and power of attorney checks, the nation the house is in and whether children or grandchildren would inherit it; the inheritance tax check, the pension band; the power of attorney check, whether both, one or neither power of attorney is in place; the will check, whether there is a will (including one that may be out of date), whether there are children of the person’s own or only stepchildren, and whether the person asking about a parent is a stepchild. The check no longer asks whose name the house is in, or whether a husband, wife or civil partner has died. The check works without any name or email; those are only asked if you want the report.
• Your email, and your name and phone if you give them, to send the report or arrange a call, and, unless you chose “Just the figures, please”, a few short emails over the next two weeks about the care rules, the April 2027 pension change and what a will can fix. We send these because you asked for your figures (the “soft opt-in”); each one has a link to stop them. Only if you ask, we use it to introduce you to a regulated adviser.
• Which firm’s page you used, if you came through a partner firm, so they can follow up as you asked.
• Basic usage figures so we can see which pages, and which adverts, help.

Health information

The free check’s care figures assume a care home without nursing. On the care check, “Who else lives there?” offers a relative aged 60 or over and a relative with a disability; both are kept as one answer, so what we hold does not say which. For a parent’s house, one answer covers either.

The House Plan asks these questions, whose answers can say something about health:

• What kind of care would be most likely if it were ever needed: a care home, a nursing home, or dementia nursing care. It starts on a care home, sets the weekly cost in your care figures, and can be changed at any time.
• Whether a doctor has ever said that the person making the will has dementia, memory problems or another condition that affects their thinking, and whether they are in hospital or a care home now. If a mirror will for a husband, wife or partner is added, the same two questions are asked about them. A yes adds a letter for the GP to the pack, so the doctor can confirm in writing that the will was understood, and changes the advice on signing. Together with some other answers, such as someone being left out, a diagnosis means the will should be made with a solicitor, and the plan gives you instructions to take to one.
• Whether anyone inheriting receives means-tested benefits, or has a disability or condition that means they cannot manage money. A yes means their share needs a trust that a solicitor should write, and the plan gives you instructions to take to one.
• In the power of attorney section, who should decide about life-sustaining treatment, and any preferences and instructions you choose to write.

We use these answers only to prepare your plan and its documents, and a member of our team reads them when checking your plan. They are never sent to Meta, and you can ask us to delete them at any time by emailing hello@houseandheirs.com.

Who sees it

Us, our hosting and email providers acting on our instructions, and any firm you ask us to introduce you to or whose page you used. If you buy The House Plan, Stripe takes the payment as our payment processor. If you ask us to post your will to you, Stannp, a printing and mailing company, receives the will, the family sheet and the name and address to post them to, prints and posts them, acting on our instructions. If you say yes to cookies, Meta receives what is described under Cookies below. When a postcode is typed into the plan, we check it with postcodes.io, a free public postcode directory, to make sure it exists and to fill in the region: only the postcode is sent, never a name or the rest of the address. Nobody else.

Your rights

Ask for a copy, a correction or deletion at any time by emailing hello@houseandheirs.com. We reply within five working days. We keep report data for two years unless you ask sooner. We are registered with the Information Commissioner’s Office, registration number ZC254937.

Cookies

The check saves your answers in your own browser so you can come back to them, for 24 hours, and then deletes them: on a shared phone or tablet, the next person does not find them. You can also clear them yourself with “Clear my answers” under the answer. Your answers are not sent to us until you ask for your figures. We do count how far through the check each visit gets, without the answers. To do that, each visit is given a random reference. It is held only while our site is open in that tab, and it is never saved on your device. With it we note how the page was opened (a link, a reload or the Back button), whether it opened out of sight (in a background tab, or loaded early in case you tapped through), whether your browser says a program rather than a person is using it, how long the page took to start working, whether you scrolled or tapped, which question you were on, and how long the visit lasted. We also note that the page arrived, before it has started working, with the advert’s name if the link carried one. It is never put with your email or anything else that says who you are, and it never leaves us.

We use advertising cookies from Meta (Facebook and Instagram), and only if you have said yes to them in Cookie settings. Meta’s code sets two: _fbp, which recognises this browser from one visit to the next, and _fbc, which is only set when you arrive by tapping a link on Facebook or Instagram, such as one of our adverts, and records that tap. Your browser deletes each one 90 days after Meta’s code last set it. They let us measure our adverts and show them to people like you. If your browser allows it, Meta can also read the cookies it keeps on facebook.com itself, and so may recognise you if you use Facebook. If you say yes, Meta is told which of our public pages you visit, and also when you look at the plan, press to start it, request your figures, start to pay and buy The House Plan. With those it receives your IP address, your browser and device type, the country, region, town and postcode area your connection comes from (worked out from the IP address, and scrambled), and the cookies’ references. When you request your figures, start to pay or buy, our server also sends Meta your email address, and your name if you gave it, scrambled (hashed), with the country (the UK) and a reference number we give your request, scrambled too: they are never sent as plain text, but Meta can match them to an account it holds, and tell that your request and any purchase are the same person's. Meta's code in your browser may also read the email you type into our forms and send it, scrambled in the same way, for the same purpose. Never your answers, your age included.

A short bar asks about Meta’s cookies: “Continue” turns them on, and “Allow the necessary” leaves them off. Until you choose, our server tells Meta which of our public pages you visit, and when you look at the plan, press to start it, request your figures, start to pay and buy The House Plan, with your IP address, your browser and device type, the country, region, town and postcode area your connection comes from (worked out from the IP address, and scrambled), and the advert link’s reference if you arrived by tapping one of our adverts on Facebook or Instagram. When you request your figures, start to pay or buy, it also sends your email address, and your name if you gave it, scrambled (hashed), with a reference number we give your request, scrambled too, as it does after a yes. No cookies are used for this, and never your answers. We do this to measure which adverts work and to help Meta show them to people like you, as our legitimate interest. “Allow the necessary” stops the email, name and reference number; the rest carries on. To stop it all, choose “Stop all measuring” in Cookie settings at the bottom of every page, and nothing about you goes to Meta.

To tell Meta about a purchase, we keep those references, your IP address and browser, and the country, region, town and postcode area your connection comes from (scrambled), with your order from the moment you start to pay until Meta has been told, and for no more than 7 days. We check your answer again just before you pay, so a no given by then, on the device you pay on, is the one that counts. We also keep the cookies’ references with a free-check request, so that if you buy later, even on another device, Meta can be told which advert helped. If you say no, none of this happens, and nothing about you is sent to Meta.

If you say yes and arrive by tapping one of our adverts, our server also keeps that tap’s reference in a cookie of our own, hh_click, for 7 days, so that a purchase you make in that time can still be credited to the advert after your browser has deleted Meta’s cookie. It is only used while your yes stands, and is removed when you change your answer.

You can change your mind at any time: Cookie settings is at the bottom of every page. Saying no there removes Meta’s cookies from this site, reloads the page without them, and stops anything more being sent from that device. You can also clear this site’s data in your browser, or email hello@houseandheirs.com.

If you open a link from one of our emails that carries a discount code, or add a code when you pay, we keep the code in a cookie of our own, hh_code, for up to 14 days, so it is added when you pay. It holds the code and nothing else, and is never sent to anyone.

We use Microsoft Clarity on our public pages to see how people move through them, so we can make them clearer: it records taps, clicks and scrolling, with what you type into the email and name boxes hidden. It is set to use no cookies, and it never runs on your plan, your report, the payment pages or our own admin screens.

Stripe sets its own cookies on the payment form to prevent fraud. They are needed to take a payment safely and are not used for advertising.

We record which advert or website link brought you here from the address you arrived on, and keep that with your request or order. It never leaves us.