Privacy Policy

We collect information when you use our website.  We may also collect information when you speak to us over the phone or correspond with us via email or post.  Occasionally we may also collect information about you from third parties or publicly available sources   

Third parties we may exchange information with and how they use it 

We may share your information (or receive it from): 

• Other companies within our group 

• Approved partners and third-party product providers 
• Our regulators or any other professional body 
• Law enforcement and/or fraud prevention agencies 
• Any party we may merge with, sell all or part of our business to or a party we may acquire. 
• Our third-party suppliers (for example software providers) 

We have strict contractual terms governing how third parties handle your data and what it may be used for.  It should only be used for necessary and legitimate purposes which may include: 

• Assessing eligibility for a chosen product. 
• Determining your identity. 
• To detect and prevent fraud. 
• To check if you are an existing customer of theirs. 

• Conducting underwriting activity in relation to any chosen product. 

Your privacy is important to us. We want to be transparent about the information we collect and how we use it. 

In the course of our operations, we may need to share your data with certain third party companies, such as BHDB Associates. We will only provide them with the information they need to perform their specific services. They are required to keep your personal data secure and confidential and in accordance with the legal and contractual obligations under the UKs General Data Protection Regulation and the Data Protection Act 2018. 

If you choose to purchase a product from any of our chosen third-parties we recommend you read the terms of that partners privacy policy as well for full details of how they may handle your information. 

What communication you might receive from us. 

You may receive 2 types of communication from us: 

• Marketing communications offering products or services we feel you may be interested in.  If you wish to opt out from marketing communications please let us know using the contact details above. 

• Service communications including disclosure documents for any product you are interested in purchasing or legal/regulatory obligations such as communications we are obliged by our regulator to send you from time to time. 

How long we hold your information for 

We may keep your information for up to 6 years following the date on which you last used our services or only for as long as is necessary thereafter. 

Data security 

It is extremely important to us that your information is secure, as such we have in place security measures to protect personal information being accidentally deleted, lost, or accessed by any unauthorised persons. 

Your rights 

• You gave a right of access meaning you have a right to know whether we hold your information, if we are processing that information as well as a right to request copies of any information we hold on you and details of any third parties we may have shared it with. 
• You have a right of rectification meaning if you feel we hold any information about you which us incomplete or inaccurate you can request that we rectify this. 
• You have a right of erasure meaning that you can ask us to erase your information.  This is also known as the ‘right to be forgotten’.  Upon receipt of such a request we shall remove any information about you save for where this is required to comply with a legal/regulatory obligation or to establish/defend a legal claim.  In which case you have the right to restriction of processing meaning you can require us to restrict processing where we shall put your information beyond normal use restricting it to the purposes for which it was retained. 
• You have a right to data portability meaning where we process your information with your consent or because it was necessary to provide our service to you then you may request us to move, copy or transfer such information to you or another third party of your choosing in a structured and commonly used machine-readable format. 

• You have a right to object meaning you can object to our processing of your information where we are processing it on legitimate grounds.  We will stop processing this information save for where this is required to comply with a legal/regulatory obligation or to establish/defend a legal claim. 
• You have a right to withdraw consent meaning that even where we process your information with your consent you can withdraw this consent at any time.  This may mean we are unable to offer our service to you, where this is the case we shall notify you of that. 

Cookies 

When you use our website we may store some information on your computer un the form of a commonly used file called a ‘cookie’.  These cookies are used to improve the online experience of most websites, including our own. 

Some websites set cookies directly (first-party cookies) and some make use of services which set their own cookies (known as third-party cookies).  We may make use of these types of cookies for purposes including personalisation of the website for returning customers. 

Most internet browsers allow you to erase cookies from your computer, block cookies or give you a warning before a cookie is stored on your device.  For further information consult the user guide for your particular browser. 

Complaints 

We request that any complaints are made to us to allow us to investigate and respond, complaints should be sent to the contact details at the top of this page. Complaints can also be sent direct to the Information Commissioners Office who can be contacted on https://ico.org.uk/make-a-complaint/