Privacy Policy

Privacy Policy and use of your data

Your privacy and the security of your personal information are very important to us. We want to assure you that your information will be properly managed and protected whilst in our hands, and put in place appropriate technical, physical and organisational security measures to protect against any unauthorised access or damage to, or disclosure or loss of it.

Please note that email, and other communication over the internet is inherently insecure unless it has been encrypted. Please consider this before sending us any personal information through an unencrypted channel.

We do not control the content of any websites other than www.kingstonunity.co.uk even if we offer a link to it on our website. Any such other website should have its own privacy policy which will govern any interactions you have with that website rather than this policy.

This privacy policy explains how we collect and use your personal information when you input it on any of the forms on or accessed through our website, including when you apply to take out a product via our online application which can be accessed via our website portal. Forms giving you the opportunity to apply for a product are intended for use by residents of the United Kingdom of Great Britain and Northern Ireland only, and comply with UK and EU legislation and regulation.

What sort of information we collect, and how we use it

We collect the information that you provide to us via completion of the forms on or accessed through our website which may include:

  1. personal details such as your name, address, e-mail address or date of birth and your financial details;
  2. sensitive personal information – in certain cases we may collect sensitive personal information such as health information to assist us with underwriting an insurance policy. We will always be clear to explain when and why we need this information and the purposes for which we will use it and will obtain your explicit consent to use sensitive personal information;
  3. information about other members of your household or family, for example, a child in respect of whom you are applying for a JISA; and
  4. your marketing and communication preferences.

We also collect information about your computer’s IP address when you visit our website through technology called ‘cookies’. We do not seek to identify who you are from this, but use it to analyse site usage to enable us to improve our services and to make subsequent visits more relevant to the services you are interested in.

If you take out a policy with us, your personal information will be used for the purposes of administration (including underwriting, determining premiums, managing claims and offering renewals). We will provide you with further information regarding this when making your application.

Without requiring your consent nor giving further notice we may, as a matter of law, use your information for the detection and/or prevention of crime / fraud. We also intend to use this information for the ancillary purposes of systems administration, to monitor and/or enforce our own compliance with any regulatory rules and good practice, to protect the safety of our staff, property or the public, when required to comply with a judicial proceeding, court order or legal process, and in the event of a merger asset sale or other-such transaction.

We may also disclose your information to third party suppliers or service providers to conduct our business and administer your policy efficiently and effectively, for example, to help us manage and store data or for the purposes of sending annual statements.

Where you have taken out a policy via an IFA then we will automatically disclose your plan information to them unless you instruct us otherwise. If in future, you do not wish to give us permission to disclose information to the IFA then you can change this arrangement by emailing [email protected]or by writing to us at the address below.

In addition, if you have opted to receive direct marketing, we may share your information with third parties who help us conduct market research and run our marketing campaigns.

We will never sell your personal information to third parties.

If you are an advisor or introducer, and give us information about another person it is your responsibility to ensure and confirm that:

  • you have told the individual who we are and how we use personal information (as set out in this policy); and
  • you have permission from this individual to provide their personal information (including any sensitive personal data) to us and for us to process it, as set out in this policy.

Your marketing preferences

We may wish to:

  • provide you with updates and offers for our policies and services through direct marketing (e.g. phone, e-mail, sms, social networking, post); and
  • use information we hold about you to help us determine which of our policies and services may be of interest to you.

We want you to have control over how we use your information in this regard so will always give you the opportunity to ‘opt in’ to receive direct marketing when you complete an application form for a product, have some other interaction with us in which we request such data, or receive any email, text or other digital direct marketing communication from us. You can also change your marketing preferences to ‘opt out’ at any other time by emailing us at [email protected]or writing to us at the address below. Some of our electronic forms of marketing communications will also have opportunities to ‘opt out’ embedded in the communication itself for ease of access.

We will never use sensitive personal details (such as information relating to your health) to assist us in the marketing of our policies to you.

Access to personal information we hold about you

If you would like to know what personal information we hold about you, you can email us at [email protected]or write to us at Kingston Unity, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ.

To protect your personal information, in order to satisfy a request you make in this regard we will first need to take steps to confirm your identity. We also reserve the right to make a small charge based on the charges then currently prescribed by law (currently £10) to help cover our administration costs in dealing with your request.

Please Note: You must confirm you have read the key facts, before downloading this document.

Key Facts about our services and costs

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.

2. Whose products do we offer?

We offer products from the whole market

We only offer products from a limited number of companies

We only offer our own products

3. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not:

  • conduct a full assessment of your needs;
  • offer advice on whether a non-stakeholder product may be more suitable.

We can only offer products from Kingston Unity Friendly Society. These products will enable you to:

  • protect yourself and your loved ones in the event of death
  • save and invest with the added benefit of protecting yourself and your loved ones in the event of death
  • provide benefit cover in the event of sickness

4. What will you have to pay us for our services?

Normally, if you buy a financial product direct from us, there will be no payments such as commission or fees payable. If there are any commission or fees payable, we will tell you how we get paid and the amount before we carry out any business for you.

5. Who regulates us?

Kingston Unity Friendly Society, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and .the Prudential Regulation Authority. Kingston Unity Friendly Society’s FCA Registered Number is 110056.

Kingston Unity Friendly Society permitted business is advising and arranging life assurance and pensions business.

You can check this on the FCA’s Register by visiting the FCA’s website www.fsa.gov.uk/register or by contacting the FCA on 0845 606 1234.

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:
…in writing Write to Kingston Unity Friendly Society, Complaints Department, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ. …by phoneTelephone (01924) 240164

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Most types of insurance business are covered for 90% of the claim with no upper limit.