Privacy Policy for LifeInsuranceExpert.co.uk website

LifeInsuranceExpert.co.uk is a trading style of SCBmedia Ltd ("we" or "us") take your privacy seriously. This Privacy Policy explains the steps we take to ensure information about you is kept secure and confidential.

Please read this Privacy Policy carefully as once you use our website you will be regarded as having read and accepted this Privacy Policy. You must not use our website or our Services if you do not accept this Privacy Policy.

SCBmedia Ltd, (company number 05160802) is the data controller in relation to the Services and your personal data. Our registered address is 6 Newbury Street, Wantage, OX12 8BS. If you have any queries relating to our use of your personal data or any other data protection issues, please contact our Data Protection Officer at DPO@scbmedia.co.uk

The collection of information

The website will collect personal information about you which you give to us when you complete the application form on LifeInsuranceExpert.co.uk. We are registered with ICO (http://www.ico.gov.uk/) - our data protection number Z1152501.

Purposes for which we use information about you

We may use your personal information for the following purposes:

• to enable you to access and use the Services; and/or
• to personalise aspects of our overall service to you; and/or
• to communicate with you; and/or
• to process a transaction between you and a third party.

Sensitive information

In order for us to provide you with a range of quotes on Life insurance, we may need to pass some of the information you have provided to our panel of insurers or brokers such as your address and or if you smoke. These details are essential in order to provide you with the quotes you have requested from our service.

Passing on information about you

Please be note that once you use our website you will be regarded as having given your consent to us disclosing your personal information to the following parties:

• third party providers whose products or services are listed on the pages on our website for the purposes of obtaining an online quotation for you or comparing different products and services as requested by you;
• other third parties either where necessary for those third parties to provide additional products or services requested by you or with your prior consent.

Informing you of offers and services which may be of interest

We may collect personal information about you from sources (if available) including:

• when you contact us with an enquiry or in response to a communication from us;
• from publicly available sources such as the electoral register;
• from referencing agencies that may verify your identity, in accordance with the money laundering regulations;
• when you agree to buy a life insurance or protection product/insurance through us.

You'd expect us to be concerned about the confidentiality and use of your personal information, and we are. We will use your personal information for purposes including:

• To help provide quotations, administer your life insurance policy and for compliance reviews where we have a duty to do so. We may transfer our rights and duties under any agreement in the execution of your business.
• To keep in touch with you so that you hear about any special offers and new products that may be of interest to you. Generally most communication is by email and occasionally by telephone or post. In the event you do not wish to participate in these activities, please write to the Customer Contact Team, www.lifeinsuranceexpert.co.uk SCBmedia Ltd, 6 Newbury Street, Wantage OX12 8BS, telling us about your preferences for how we may use your personal information.
• From time to time, we would like to tell you about special customer promotions provided by third parties. Rest assured, we will do our very best to ensure that these match your likely requirements and interests. Again, most communication is by e-mail and occasionally by telephone or post.
• We will store your details on computer, but will not keep them longer than necessary.

Third party providers and data privacy

If you decide to enter into a contract with a third party provider through a channel on our website, the information you have provided to us together with any further information requested by, and supplied by you to, the third party provider will be held by the provider for the purposes set out in that provider's privacy policy. Therefore, you are strongly advised to read your chosen provider's privacy policy and satisfy yourself as to the purposes for which the provider will use your personal information before entering into the contract. We have no responsibility for the uses to which a provider puts your personal information once you have contracted with that provider.

Security

Our website is using a dedicated SSL certificate – secure the transmission of sensitive data from Goetrust Inc, leaders in online identity and trust services." However, no data transmission over the internet can be guaranteed to be totally secure. As a result, whilst we strive to protect your personal information, we cannot ensure or warrant the security of any information, which you send to us, and you do so at your own risk.

Cookies

A cookie is a very small text file placed on your computer by a web browser, which has been sent by a web server. It is essentially an "identification card" relating to you. The main purpose of our cookies is to identify you when you visit our website. Each time your browser requests a web page from our server, the browser sends the information in the text file back to the server and lets the server know that you have returned to that web page. We use cookies to provide you with a better service tailored to suit you.

Cookies help you to save time. For example, if you register for our Services, a cookie helps us to remember who you are and what your preferences are. Next time you return, we can fill in any questions that you have already answered. The more you tell us about yourself, the more we can help to find information or products you want.

If you do not accept incoming cookies then the performance of our website on your system will not be to full standard or our website may not serve at all.

Transferring your information abroad

Information supplied by you to us will only be transferred abroad by us or our agents for the purpose of performing contractual obligations to you, or when you have given your prior consent to such transfer.

Your Rights

You have certain rights under the Data Protection Act 1998.

If you ask, we will tell you what information we hold about you and provide a copy in line with the Data Protection Act. (A fee of £10 is payable.) Please write to the Customer Contact Team, www.lifeinsuranceexpert.co.uk, SCBmedia Ltd, 6 Newbury Street, Wantage OX12 8BS. You should let us know then if you think any information we hold about you is inaccurate so that we can correct it.

 

© lifeinsuranceexpert.co.uk 2012