Privacy & Cookies: Our promises
Our objective is to keep your data safe and secure. Here�s why we need your data and how we will use it.
Summary
We will only use your data to improve your experience.
We�ll protect your data like it�s our own.
We�ll put things in plain English for you to understand.
We will never spam you; you decide what we can send you.
We will not keep your details unnecessarily; if we don�t need them we will delete them.
Protecting Your Privacy
We are committed to protecting the privacy and security of our customers and website visitors.
Our team understand and share your concerns about using the internet and so we take your privacy seriously.
The Data Controller in respect of this site and services is
Protego Group Limited
We are registered with the Information Commissioner�s Office in the UK, for more information click here.
Contents
- How we use your information
- Sharing your information
- Marketing messages
- Your information and countries outside Europe
- Keeping your information
- Your rights
- Changes to how we protect your privacy
- Cookies
- How to contact us
How we use your information
We use your information in a number of different ways � what we do depends on the information. Below set this out in detail, showing what we do, and why we do it.
Legal basis
We collect, control and process your personal information because this is necessary to provide you with information, answer any queries you may have and for the provision of our services to you. Contractual necessity is therefore the lawful basis for collecting, controlling and processing your personal details and those of your employees and service providers other than sensitive personal data for which we require individual consent. We do not normally request or process any sensitive personal data.
Sensitive personal data:
- Racial or ethnic origin
- Political opinions
- Religious or philosophical beliefs
- Trade union membership
- Genetic data
- Biometric data
- Data concerning health
- Data concerning sex life or sexual orientation
We will not request or share sensitive data. If you provide this information we will deem that to be consent to processing.
The only sensitive data we may hold about you and retain relates to Trade Union Membership and this is because we offer schemes to trade union members.
Your name and contact details
| How we use your name & contact details | Why? |
|---|---|
| To deliver our products & services. | We�ve got to do this to perform our contract with you. |
| Send you service messages by text, e-mail or post. | We�ve got to do this to perform our contract with you. |
| Sending you information by email or post, about our new products and services | To keep you up to date. We only send this with your permission |
| Fraud prevention and detection | To prevent and detect fraud against either you or us. |
Your date of birth information
| How we use your date of birth | Why? |
|---|---|
| Identification, fraud prevention and detection | To correctly identify you and to prevent and detect fraud against either you or us. |
| As part of the underwriting process. | In many cases age is relevant to the structure and pricing of policies. |
Your gender information
| How we use your gender information | Why? |
|---|---|
| As part of our advice & our communication process. | This helps our investigation to ensure that our recommendations are suitable and ensures that we address you correctly. |
Your payment information
This is your bank details provided for purposes of collecting premiums via Direct Debit.
| How we use your payment information | Why? |
|---|---|
| Take payment, and give refunds | We�ve got to do this to perform our contract with you. |
Your contact history with us
What you�ve told to us and what we have told you; for example, over the phone, by post or via e-mail.
| How we use your contact history | Why? |
|---|---|
| Provide customer service and support | We�ve got to do this to perform our contract with you. |
| Train our staff | So that, when you contact us, you get the best possible customer service |
| Investigation of complaints | If you are unhappy we are duty bound to investigate. |
Purchase history
The products & services you have purchased.
| How we use your purchase history | Why? |
|---|---|
| To maintain a record of your contracts | This is necessary to perform the contracts, satisfy regulatory demands and for our defence in the event of a legal claim against us. |
| Ensure valid claims are paid | We�ve got to do this to perform our contract with you |
Information about your device and use of our website
Information you give us when you browse our site including your IP address and device type and, if you choose to share it with us, your location data, as well as how you use our website.
| How we use information about your use of our websites | Why? |
|---|---|
| Improve our website and set default options for you (such as language and currency) | To give you the best possible experience |
| Protect our website | To prevent and detect fraud against either you or us. |
Your responses to Prize Draws and other promotions
| How we use your responses to prize draws and promotions | Why? |
|---|---|
| Run the draw or promotion | We�ve got to do this to perform our contract with you � if we can�t use your entry, you can�t possibly win! |
You don�t have to give us any of this personal information but if you don�t, you will not be able to participate in draws or buy from the site.
We also make anonymous and aggregate personal information (so that it does not identify you) and use it for purposes including testing our IT systems, research, data analysis, improving our site and developing new products and services. We also share this information with very specific third parties that we work with in terms of the products and services we provide.
Sharing your information
We do not, and will not, sell any of your personal data to any third party � including your name, address, email address or bank account information. We want to earn and maintain your trust, and we believe this is absolutely essential in order do that.
However, we share your data with the following categories of companies as an essential part of being able to provide our services to you, as set out in this statement:
- Insurance providers. This is essential to fulfil our contract with you.
- Payment service providers. In order to collect your premiums.
- Professional service providers, such as marketing agencies, and website hosts, who help us run our business
- Credit reference agencies, law enforcement and fraud prevention agencies, so we can help tackle fraud
Below are the details of who we share your data with so that you are fully informed.
Data Controllers
These are providers, regulators and service providers who are registered with a data protection authority in the EU.
We also use external Data Processors that will hold information for the following purposes:
- Research
- Secure file sharing
- Data backup
- Communications
- Accounts
- Research
- Record keeping
- Regulatory compliance
All external processors are only permitted to process your data in line with our instructions.
Data processors privacy
Below is a list of the processors used and the types of information processed. Please note that the Privacy & Security policies of the processors are aimed at the controllers who use them and may be updated.
| Processor | Type of processing & data |
|---|---|
| Apple | We use Apple�s iCloud to synchronize calendar & contact details of the people we work with to facilitate efficient communications. The information shared comprises contact information: name, phone numbers, email, address, meeting dates. Customer data is not processed by Apple. |
| Dropbox | We use Dropbox to securely share files and documents that contain or may contain personal data pertinent to the work we undertake for clients and for our staff. |
| DataAegis | We use DataAegis EasySendy product in order to efficiently send email updates to you as part of our ongoing services. Your name and email address are stored to facilitate this. |
| Forward IT Solutions LLC | Forward IT Solutions provide automated marketing services to enable us to send the most relevant messages to you in a timely manner. |
| UKFast | Web hosting & Secure Socket Layer on our websites. |
In all cases we seek to minimize the amount of personal data shared and in some cases anonymize this. It is essential however that we can identify you quickly and easily and so information shared will be identifiable as your personal data.
We will not share your personal information in any other circumstances than those necessary for the provision of service to you or where we are required to do so by law.
Marketing messages
We will only send you these if you have said we can, we�ll send you marketing messages by email, text, to keep you aware of products, services, relevant information, offers and prize draws.
How you can stop marketing messages from us
You can stop receiving marketing messages from us at any time.
You can do this:
- By clicking on the �unsubscribe� link in any email
- By contacting us as detailed below
Once you do this, we will update our records to ensure that you don�t receive further marketing messages.
Stopping marketing messages will not stop service communications about any product you have purchased.
Your information and countries outside Europe
We do not share your information outside the EU unless we are satisfied that the jurisdiction and environment where information may be held is adequate. In terms of processors based in the US we ensure that these processors are signed up to the EU-US Privacy Shield or that they are holding the data within the EU.
Keeping your information
We�ll hold on to your information as long as needed to be able to provide the services to you, as is required under regulatory rules or to defend any legal claim. Where we have had a contractual relationship with you then we need to keep your information to meet legal or regulatory requirements, resolve disputes, prevent fraud and abuse, or enforce our terms and conditions, this means we will keep some of your information as required, even after you have cancelled or terminated any products or services we have provided.
Your rights
- The right to be informed about how your personal information is being used (like this notice!)
- The right to access the personal information we hold about you
- The right to request the correction of inaccurate personal information we hold about you
- The right to request that we delete your data, or stop processing it or collecting it, in some circumstances
- The right to stop direct marketing messages, which you can do through the unsubscribe link in any message at any time.
- The right to request that we transfer or port elements of your data either to you or another service provider
- The right to complain to your data protection regulator in this case the UK Information Commissioner�s Office
If you want to exercise your rights, have a complaint, or just have questions, please contact us.
Changes to our Privacy Policies
We may change this page from time to time, to reflect how we are processing your data.
Cookies
Our website uses cookies purely to enhance your experience.
(A cookie is a piece of information that is stored on your computer's hard drive which records how you have used a website. This means that when you go back to that website, it can give you tailored options based on the information it has stored about your last visit.)
Vital cookies!
Ones that are essential to the operation of the website. These cookies enable a site to remember text entered in a page within the same session or to remember whether a user is logged in or not, the site cannot function without them.
Performance cookies
Performance cookies, which collect information about website usage to enhance the web experience. Examples of these include website analytics (i.e. Google Analytics) and ad-response rates (where data is collected exclusively for calculating click-through rates). They don�t collect information that can identify a particular visitor. These cookies are usually persistent and have fairly long expiry rates.
Functionality cookies
These remember the choices that users make within a web page, such as usernames, language or region to provide an enhanced, more personalised web experience. They cannot track your activity on other websites and are anonymous.
Advertising cookies
Targeting or advertising cookies collect information about your browsing habits to tailor third-party advertising to meet your interests. They are usually placed by advertisers with website operators� permission. We do not use this type of cookie.
How to contact us
We are happy to hear from you! Please use the telephone number or contact-us link at the top of this page, or write to us at the address below:
Protego Group Limited
St Georges House
Greengate Lane
Prestwich
Manchester
M25 3HW