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.
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:
- personal details such as your name, address, e-mail address or date of birth and your financial details;
- 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;
- information about other members of your household or family, for example, a child in respect of whom you are applying for a JISA; and
- 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.