1. Introduction
TermInsure.co.uk ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our insurance comparison services.
We operate as an insurance intermediary and lead generation service, connecting customers with FCA-authorized insurance providers. This policy applies to all personal information we process in connection with our services.
2. Information We Collect
2.1 Information You Provide Directly
- Contact Information: Name, email address, phone number, postal address
- Insurance Requirements: Coverage amounts, policy terms, insurance type preferences
- Personal Details: Age, gender, occupation, health information (if relevant)
- Financial Information: Income range, existing insurance details
- Communication Records: Messages, support requests, feedback
2.2 Information Collected Automatically
- Device Information: IP address, browser type, operating system
- Usage Data: Pages visited, time spent, click patterns, referral sources
- Cookies and Tracking: Session data, preferences, marketing analytics
- Location Data: General geographic location based on IP address
2.3 Information from Third Parties
- Insurance Partners: Quote responses, application status updates
- Data Verification Services: Address validation, identity confirmation
- Marketing Partners: Campaign performance, attribution data
3. How We Use Your Information
Primary Purposes (Legal Basis: Contract Performance)
- Process your insurance quote requests and applications
- Connect you with suitable FCA-authorized insurance providers
- Provide customer support and respond to inquiries
- Manage your account and service preferences
- Send service-related communications and updates
Business Operations (Legal Basis: Legitimate Interest)
- Improve our website functionality and user experience
- Analyze usage patterns and optimize our services
- Prevent fraud and ensure platform security
- Conduct market research and business analytics
- Train our customer service team
Marketing (Legal Basis: Consent)
- Send promotional emails about insurance products and offers
- Display personalized advertisements on our website and third-party sites
- Conduct email marketing campaigns and newsletters
- Provide recommendations for additional insurance products
Legal Compliance (Legal Basis: Legal Obligation)
- Comply with FCA regulations and insurance industry requirements
- Maintain records for regulatory reporting and audits
- Respond to legal requests and court orders
- Prevent money laundering and financial crime
4. How We Share Your Information
Important: We do not sell your personal information to third parties. We only share information as described below and with your consent where required.
4.1 Insurance Providers
We share your quote request information with FCA-authorized insurance providers to obtain quotes and facilitate policy applications. This includes personal details, insurance requirements, and contact information necessary for underwriting and quote provision.
4.2 Service Providers
We work with trusted third-party service providers who help us operate our business:
- Technology Partners: Web hosting, data storage, email services
- Analytics Providers: Google Analytics, conversion tracking
- Customer Support: Help desk software, communication tools
- Payment Processors: Secure payment handling (if applicable)
- Marketing Services: Email marketing, advertising platforms
4.3 Legal Requirements
We may disclose your information when required by law, regulation, or legal process, including responses to court orders, subpoenas, or regulatory investigations.
4.4 Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections.
5. Data Security
Security Measures
- Encryption: SSL/TLS encryption for all data transmission
- Access Controls: Multi-factor authentication and role-based access
- Data Storage: Secure cloud infrastructure with regular backups
- Monitoring: 24/7 security monitoring and threat detection
- Staff Training: Regular security awareness training for all employees
- Audits: Regular security audits and penetration testing
While we implement industry-standard security measures, no method of transmission over the internet or electronic storage is 100% secure. We continuously review and update our security practices to protect your information.
6. Data Retention
Retention Periods
- Quote Requests: 7 years (regulatory requirement)
- Customer Communications: 6 years from last contact
- Marketing Data: Until consent is withdrawn or 3 years of inactivity
- Website Analytics: 26 months (Google Analytics default)
- Account Information: Until account deletion is requested
7. Your Rights Under GDPR
Right of Access
Request a copy of all personal data we hold about you
Right to Rectification
Correct any inaccurate or incomplete information
Right to Erasure
Request deletion of your personal data ("right to be forgotten")
Right to Portability
Receive your data in a machine-readable format
Right to Restrict Processing
Limit how we use your personal information
Right to Object
Object to processing based on legitimate interests
How to Exercise Your Rights
To exercise any of these rights, contact us using the details below. We will respond within 30 days and may request additional information to verify your identity.
You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) if you believe we have not handled your personal data appropriately.
8. Cookies and Tracking
We use cookies and similar tracking technologies to enhance your experience on our website. For detailed information about our use of cookies, please see ourCookie Policy.
Types of Cookies We Use
- Essential Cookies: Required for basic website functionality
- Analytics Cookies: Help us understand how visitors use our site
- Marketing Cookies: Used to deliver relevant advertisements
- Preference Cookies: Remember your settings and preferences
9. International Transfers
Some of our service providers may be located outside the European Economic Area (EEA). When we transfer your personal data internationally, we ensure appropriate safeguards are in place:
- Adequacy decisions by the European Commission
- Standard Contractual Clauses approved by the European Commission
- Binding Corporate Rules for multinational organizations
- Certification schemes and codes of conduct
10. Children's Privacy
Age Restriction: Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18.
If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly. If you believe we may have collected information from a child under 18, please contact us immediately.
11. Updates to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by:
- Posting the updated policy on our website with a new "Last Updated" date
- Sending an email notification to registered users for significant changes
- Displaying a prominent notice on our website
Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.
12. Contact Information
If you have any questions about this Privacy Policy or our data practices, please contact us:
Email: privacy@terminsure.co.uk
Address: [Company Address]
Data Protection Officer: dpo@terminsure.co.uk