Privacy Policy

Introduction

By submitting your details on this website via one of our forms or callback requests you are asking health-quote.co.uk to hold and process your data so that we can match your requirements with the FCA authorised insurance brokers that partner with us and pass your details to them so they can provide you with a quote. The lawful basis for this processing is legitimate interests, and, for the limited health-related information described below, your explicit consent. By completing the online form or callback request you agree to our terms and conditions so that our partners can potentially provide you with quotations.

Our Services

health-quote.co.uk's purpose is to send relevant website applicants to relevant health insurance intermediaries.

Our service / website is free to use for you the user. If you are matched to a broker within our panel and agree to purchase a policy any charges applicable will be advised by the insurance intermediary or broker.

Once your details are submitted through our website you will be contacted by the relevant insurance broker within our panel who will provide you with quotations. The insurance broker will contact you by telephone and also in some instances via email and SMS.

Your Responsibility

The insurance broker that contacts you will provide you with quotations based on the information you supply. It is vital that all of the details you provide are correct. Failure to do so may lead to your insurance being invalid.

health-quote.co.uk does not check or verify the information you enter into our website. The policies offered by the insurance brokers are solely reliant on the information you provide.

It is important that you read all the documentation provided to you by the provider including their terms and conditions. It is your responsibility to inform the provider of any discrepancies.

health-quote.co.uk respects your privacy and is fully committed to protecting your personal data. This privacy policy will inform you as to how we look after your data, whether collected when you visit health-quote.co.uk or otherwise and tells you about your privacy rights and how the law protects you.

1. The data we collect from you.
2. How the data is collected.
3. How do we use your data.
4. Personal data disclosures.
5. Data Security.
6. How we retain your data.
7. Your legal rights.

Purpose of this privacy policy

health-quote.co.uk collects and processes your personal data, through whichever route you provide us with it – i.e. completing an online form. Our principal means of collecting personal data is:

• Through your use of the website health-quote.co.uk (including any data you may provide through our website when you make an enquiry).

It is important that you read this privacy policy so that you are fully aware of how and why we are using your data. This privacy policy supplements other notices and privacy policies and is not intended to override them.

Controller

health-quote.co.uk is a trading name of Beyond Leads Ltd (company no. 12497289), 146 High Street, Billericay, England, CM12 9DF. Beyond Leads Ltd is authorised and regulated by the Financial Conduct Authority (FRN 940006) and is registered with the Information Commissioner's Office (ZB407551). Beyond Leads Ltd is the controller and responsible for your personal data (referred to as "health-quote.co.uk", "we", "us" or "our" in this privacy policy).

You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would appreciate the opportunity to deal with your concerns first.

Changes to the privacy policy and your duty to inform us of changes

We keep our privacy policy under regular review. Updates of this policy will be published on our website. Any questions, comments or requests concerning this policy please contact us using the form on our Contact page.

It is important that the personal data we hold about you is correct. Please keep us informed if your personal data changes during your relationship with us.

Third-party links

Our website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit.

The data we collect about you

Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

• Identity Data includes first name, last name and year of birth.
• Contact Data includes postcode, email address and telephone numbers.
• Technical Data includes internet protocol (IP) address, browser type and version, time zone setting and location, operating system and platform, and other technology on the devices you use to access our website.
• Profile Data includes the type of health insurance cover you would like a quote for (for example cover for yourself, your partner or your family), whether you already hold a policy, and whether you would like full cancer cover.
• Health Data is limited to whether you smoke.
• Usage Data includes information about how you use our website, including the pages you visited and how you arrived at our website.
• Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

Smoking status is information about your health, which is a Special Category of Personal Data. We only collect it because insurers need it to provide health insurance quotations, and we rely on your explicit consent, given on our form, to collect it and share it with the broker. We do not collect any other Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, medical history, and genetic and biometric data). You can withdraw your consent at any time by contacting us using the form on our Contact page.

How is your personal data collected?

We use different methods to collect data from and about you including through:

• Direct interactions. You may give us your Identity, Contact, Profile and Health Data by filling in forms or by corresponding with us by post, phone, email or otherwise.
• Automated technologies or interactions. As you interact with our website, we will automatically collect Technical and Usage Data about your equipment, browsing actions and patterns. We collect this data by using cookies, browser storage, server logs and other similar technologies.

We do not obtain your data from any other source.

How we use your personal data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

• To assist in providing you with quotes for health insurance.
• Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
• Where you have given your explicit consent (for Health Data).
• Where we need to comply with a legal obligation.

The lawful basis we rely on for processing your personal data is legitimate interests, namely introducing you to FCA authorised insurance brokers so that they can provide you with a quote. We have balanced this against your interests, rights and freedoms, and we only process your data where our legitimate interests are not overridden by them. For Health Data we rely on your explicit consent.

Third-party marketing

Our third-party intermediaries must gain consent directly from the proposer for any subsequent communication or marketing activity, in accordance with the requirements of the UK General Data Protection Regulation (UK GDPR). If you would like us to stop sending marketing messages please contact us using the form on our Contact page.

Disclosures of your personal data

When you complete a form on our website we pass your details to an FCA authorised insurance broker matched to your requirements so that they can provide you with a quote for health insurance. Where we have an exclusive arrangement in place, your details will be passed to one broker only.

The confirmation screen shown after you submit your details tells you which broker will contact you.

We may also share your personal data with the parties set out below:

• Internal third parties.
• External third parties, such as our website hosting and data storage providers.
• Third parties to whom we may choose to sell, transfer or merge parts of our business or our assets.

Data Security

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

Where your data is stored

Your data is stored on secure cloud servers via our platform provider. Where any of our service providers are US-owned, we rely on the UK International Data Transfer Addendum to ensure appropriate safeguards are in place for your data.

How we protect your data

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know.

How we retain your data

We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements.

Details submitted through our forms are kept for 12 months from the date you submitted them, unless a broker we work with has agreed different retention terms with us. Some brokers ask us to delete your data sooner, for example after 30 days. Otherwise your details are securely deleted after 12 months. During that period your details may be used to introduce you to FCA authorised insurance brokers.

Your legal rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data including the right to:

• Request access to your personal data.
• Request correction of the personal data that we hold about you.
• Request erasure of your personal data.
• Object to processing of your personal data.
• Request restriction of processing your personal data.
• Request transfer of your personal data to you or to a third party.
• Withdraw consent at any time where we are relying on consent to process your personal data.

If you wish to exercise any of the rights set out above, please contact us using the form on our Contact page.

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive.

Time limit to respond

We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.