Privacy and Cookies

Introduction

The pages on this website are only directed at United Kingdom residents and comply with appropriate UK legislation and regulation. We are committed to protecting your privacy during your visits to our Website and recognise our responsibility to keep the personal information you provide to us confidential at all times. We have provided this Privacy Policy to help you understand how we collect, use and protect your information when you call us or visit our web sites and when you generally use our products and services. We wish to help you make informed decisions so, please take a few moments to read the sections below and learn how we may use your personal information. You should also show this notice to anyone else who may be insured under your policy.

Who we are

Insure4Retirement is a trading name of Insurance Dialogue Limited. Insurance Dialogue Limited is an appointed representative of Heath Lambert Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London, EC4N 8AW. Registered in England and Wales. Company Number: 1199129.

Area Restriction

We offer online quotations, online cover and policy administration on a range of insurances solely for permanent residents of the United Kingdom accessing and using the Website from within the United Kingdom. Accordingly, this Privacy Statement is directed only at such persons and should be read in conjunction with our Website Terms and Conditions. Please see ‘Website Terms and Conditions’.

Consent

By Law we are required to obtain your consent to processing your data. We will assume that you have given your consent if you provide us with any data via our web sites or via replies to advertisements. By emailing us at customerservices@insure4retirement.co.uk you can advise us that you wish to withdraw your consent.

The Internet is a global medium and therefore your information may be transferred outside the European Economic Area en route. By submitting your information, you consent to such a transfer.

By submitting any information about you and, where applicable, others within this web site, you and they consent to its use as set out in this Privacy Policy.

When do we collect personal information

We collect personal information directly from you when you register for any online service with us or deal with us over the telephone, such as a request for a quote, the purchase of an insurance policy through us or the provision of policy administration or claims handling services. We limit the collection of personal information to what we need to know to maintain the accuracy of our records, to verify the identity and assess the financial standing of customers, to assist us in providing a high standard of service, and to fulfil any legal and regulatory requirements. We will do our best to ensure that your details are accurate and kept up-to-date and we would ask you to assist us in doing so by notifying us in writing of any changes to your personal information.

How we use your data

We are registered under the Data Protection Act 1998 (the “Act”). By accepting this Statement you consent to us using and processing your personal and sensitive personal data (where this is necessary, for example health information or criminal convictions) for the purpose of procuring insurance policies and handling claims, if any. Where you provide us with personal or sensitive personal information that relates to anyone other than you, you must obtain the explicit consent of the person to whom the information relates both to the disclosure of such information to us and its use by us as set out below.

We may disclose your personal and sensitive personal data to third parties involved in providing products or services to us or the insurer, service providers we have retained to perform services on our behalf this includes; group companies, affinity partners, (re)insurers, other insurance intermediaries, insurance reference bureaus, medical service providers, fraud detection agencies, loss adjusters, solicitors/barristers, accountants, parties involved in the claims handling process and/or service providers where necessary to provide and administer our products, services and/or who may provide ancillary services, reinsurance companies and insurance regulatory authorities, and as may be required by law. Your information may also be used for offering renewal, research and statistical purposes. Your personal data may be transferred to any country, including countries outside the European Economic Area for any of these purposes and for systems administration.

In assessing any claims made, the insurer or its agents may undertake checks against publicly available information (such as electoral roll, county court judgements, bankruptcy orders or repossessions).

The Act entitles you to receive details of personal and/or sensitive data held about you by us. You have the right to apply for a copy of your information, for which we may charge an administration fee of £10, and to have any inaccuracies corrected

The information provided will be treated in compliance with the Act.

For the purposes of the Act, the Data Controller in relation to any personal data you supply is Insure4Retirement.

We may use and analyse your personal information for the following purposes:

  • in relation to our online quotation service, to provide you with one or more online quotations on behalf of one or more insurers
  • in relation to our online cover service, to consider your application for, and facilitate your purchase of, an insurance policy through us
  • to provide you with other services, including managing and administering the insurance policies you take out through us, and providing assistance with your claims and enquiries
  • for the purposes of insurance administration by us or our agents, by our re-insurers and may be disclosed to regulatory bodies for the purposes of monitoring and / or enforcing our compliance with any regulatory requirements
  • to offer you the opportunity to renew a policy or purchase a replacement policy
  • to update our records about you
  • to check your identity to prevent money laundering (unless you furnish us with satisfactory proof of identity)
  • for the investigation of or prevention of crime
  • to undertake credit searches and fraud searches (see further below)
  • to enable us to conduct research and statistical analysis and facilitate our internal customer service monitoring
  • to improve the quality of our service and the efficiency of our Website and systems
  • if prior consent has been received, we may market you with other products which we believe may be of interest to you

How we process your personal information

Insure4Retirement is the registered data controller in relation to personal information held about you for the purposes of the Act.

All personal information provided by you is held securely and in confidence by us in our computerised and other records. When we process your personal information we do so in compliance with the terms of the Act. We maintain strict security standards and procedures with a view to preventing unauthorised access to your data. We use leading technologies, such as data encryption, fire walls and server authentication to protect the security of your data. All our staff and all third parties we may hire from time to time to provide support services are required to observe our privacy standards.

Monitoring or recording of your calls, e-mails and other communications may take place in accordance with UK law, and in particular for business purposes such as for quality control and training, processing necessary for the entering into or the performance of a contract; to prevent unauthorised use of our telecommunication systems and web sites; to ensure effective systems operation; to meet any legal obligation; in your vital interests; in order to prevent or detect crime; and for the purposes of the legitimate interests of the data controller. Please visit the following web site for further information: www.ico.gov.uk

Insurance Dialogue Limited may pass your personal information to other companies for processing on its behalf. Some of these companies may be based outside Europe in countries, which may not have laws to protect your personal information, but in all cases, Insurance Dialogue Limited will ensure that it is kept securely and only used for the purposes for which you provided it.

Details of the companies and countries involved can be provided to you on request.

Personal information we hold about you

You are entitled to receive a copy of the information we hold about you at any time. If you wish to receive a copy please write to:

Insure4Retirement,
3rd Floor,
100 Holdenhurst Rd,
Bournemouth,
Dorset,
BH8 8AQ

Please include your full name, address and your quote reference or policy number enclosing a £10 administration fee made payable to Insure4Retirement. You may also request that we update your preferences or remove any personal information we hold about you. We will make all reasonable efforts to delete your information from our files if it is deemed appropriate.

We will deal with your request within the 40 day regulatory period.

How we protect your information

We capture your personal information, such as names and addresses, over a secure link using recognised industry standard Secure Sockets Layer (SSL) technology, which encrypts the data whilst passing it over the web. This will be indicated on most browsers by a lock in the status bar at the bottom of the screen.

Firewalls are used to block unauthorised traffic to the servers and the actual servers are locked in a secure location, which can only be accessed by authorised personnel.

Collection and processing of sensitive information

In order for us to respond to your request for certain of our online services, such as quotes, cover and claims handling, and to enable us to deal with you in respect of those services over the telephone, it may be necessary for us to ask you to provide us with sensitive information (such as details of medical conditions and criminal convictions) about you and/or others who may be party to one or more services provided by, and/or insurance policy purchased through us. We will process any sensitive information you provide to us in accordance with this Privacy Policy and we will not use any sensitive personal information about you and/or others except for the specific purposes for which you provide it and to provide the services described in your insurance policy. We will process any sensitive information you provide to us about a third party on the basis that you have provided us with this information with the explicit consent of that third party, so please ensure that you only provide us with sensitive information about others having obtained their prior agreement to this.

By requesting that we provide you with online services, or contacting us over the telephone to request the provision of services in relation to a quotation or insurance policy, we will consider you to give consent to our collecting and processing (as outlined above) of any sensitive information about you and/or relevant others which you may be required to provide

Cookies

When you visit our site, we may attach a “Cookie” to your browser. Cookies are small text files that allow us to identify your computer, recognise repeat users, observe anonymous user behaviour and compile aggregate data about users in order to improve the service we provide.

The data we collect using Cookies does not identify individual users and is only used for tracking and analysing use of the site. In some cases we use a reputable third party company for these purposes.

Amendments to privacy policy

We reserve the right to amend this Privacy Policy without prior agreement from you, provided any changes do not adversely affect your current arrangements or rights, in which case you will be contacted first.

By using, and continuing to use, the Website you acknowledge that you accept any such amendments or updates and so we recommend that you review these Website Terms of Use and the content of the Website regularly.

No amendments or updates to this Privacy Policy will affect your right to choose not to give consent to your personal information being used for our, and/or third parties’, marketing purposes, as set out above.

Governing law and jurisdiction

This Privacy Policy is governed by the law of England and Wales and subject to the jurisdiction of the courts of England and Wales.