On this page you will find information about how your personal data is used. Please click on the headings below for full information about how your personal data is processed.
We take our data protection obligations very seriously and it is important to us that you understand how we use your personal data. This Privacy Policy sets out in detail the purposes for which we process your personal data, who we share it with, what rights you have in relation to that data and everything else that we think it is important for you to know.
The main purpose for which we process your personal data is to provide you with services that you request from us through this Website or through our app (where available). We may need some information from you about health or criminal convictions to do this. We cannot display offers for certain types of insurance (such as life insurance or vehicle insurance) without this data. We will also process personal data for other purposes, such as marketing (where you have consented), market research and fraud prevention. We will only ever keep your personal data for as long as is necessary for the purpose for which we need personal data.
We will need to share some of your personal data with some third parties, for example our partners and suppliers. Partners who provide offers to you through our website or app will make checks against various databases to assess your eligibility for a offer and will make decisions about you by wholly automated means. Those partners are responsible for how they process your personal data.
You have various rights in relation to your personal data which can be exercised by contacting us using the details set out in this Privacy Policy.
Most of the data that we process will be data that we collect from you directly when you request a offer. We will ask you various questions to collect the data we need for the purpose of providing offers and comparison information. We will not be able to provide a offer unless you answer the mandatory questions. Where questions are optional, we will explain what we need the data for.
We also collect data about you based on your actions, for example we collect data about how and when you use the Website or our services so that we can build up a picture of you as a customer. This can include information such as how many offers you have obtained, mouse clicks/taps, mouse movements, page scrolling and text entered into forms which we collect through software which monitors how customer use our Website. This helps us to provide you with a good service and to design improvements to our products and services (including changes to our website) but is also used to help us to prevent and detect fraud.
We will sometimes use third parties to process personal information on our behalf. Our partners may do the same when they are processing your personal information for the purposes of providing a offer for comparison. Where third parties process your personal information on our behalf, we will have a contract in place with them placing obligations on them to keep your data secure and only use it for the purposes that we authorise. The third parties that we use may include, for example, IT service providers and market research agencies.
The data that we hold is used for the following purposes:
The personal data that we use for the purposes set out in this Part includes: your name and contact details.
Our partners will use this data to generate a offer to be displayed to you on the Website and they will be data controllers in relation to their use of the data for this purpose. If you would like information about how our partners process data we recommend that you visit their websites to read their privacy policy. Our comparison service partners will use this data to provide the relevant comparison services and they will be data controllers in relation to their use of the data for this purpose. This will only use your personal data for the purposes set out in this Privacy Policy.
In order to prevent and detect fraud we and/or our partners and/or comparison service partners may use the personal data set out above at any time to:
1. Check and/or share your details with fraud prevention and detection agencies; and
2. Share information about you with other organisations including the police, where necessary and proportionate; and
3. Carry out analysis on data that is held in order to assist the identification of Fraud.
If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.
In relation to the personal data processed for fraud prevention, we process this we have a legitimate business interest in carrying out these activities to help minimise the risk of fraud or crime occurring and in its detection.
We'll only keep your personal data as long as we need it and ensure it is securely destroyed when it is no longer required. We do however need to keep certain data after we have provided you with your offers for certain periods as detailed below.
Generally, you can expect us to keep your data for a period of 5 years from when you obtain your offer. If you have an account with us we will keep your data while your account with us is active and then if you stop using your account we will generally retain your data for a period of 5 years from that point (unless there is a requirement for us to keep the data for longer, for example if there are any ongoing queries or claims relating to your offers).
We keep data for these periods as it plays an important part in allowing us to undertake fraud detection and prevention activities, allows us to deal with any queries or complaints that may arise regarding offers that have been provided and allow us to carry out research and analysis to help us improve our products and services (as described in the section headed "What do we use your data for?" above).
Any of our partners who process your data to provide a offer should only keep the data for as long as is necessary in relation to the offer they have provided.
We use third party suppliers to process limited personal data about you. Some of these suppliers may be located in countries outside the UK which may not have equivalent laws in place to protect your personal data. For example, we use third party software suppliers such as Microsoft to process data such as your IP address and email address, which Microsoft stores in the USA.
Whenever we do use third party suppliers to process personal data about you outside the UK, we will ensure that your personal data is kept securely, is only used for the purposes set out in this Privacy Policy and is afforded equivalent protection as it would be if it were processed in the UK. We do this through various mechanisms, for example making sure that European Commission approved contractual clauses are in place with the supplier or ensuring that suppliers who process personal data in the USA are signed up to the Privacy Shield arrangement.
Our comparison service providers may also process personal data in countries outside the UK which may not have equivalent laws in place to protect your personal data. Our comparison service partners are the data controllers in respect of any such processing and such processing will be subject to their own Privacy Policies. We do not have any control over whether our partners or comparison service partners process personal data outside the UK but if this do this they must do it in accordance with data protection legislation.
Data protection law gives you various rights in relation to your personal data. All the rights set out below can be exercised by contacting us. Please note that we can only deal with requests to exercise these rights where they relate to personal data that we process as data controller. If you send us a request which relates to personal data processed by one or more of our partners or comparison service providers as data controllers, we will direct you to the appropriate partner(s) or comparison service provider(s).
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