This privacy policy sets out how Insured Health Ltd uses and protects any information that you give Insured Health Ltd when you use this website.
Insured Health Ltd is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.
Insured Health Ltd may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes.
We respect your personal privacy and will not use your personal information in any way that we would not accept ourselves. We have set out the following information about how we manage the personal information we do collect. If you have any comments or concerns regarding our privacy policy or our use of your information please contact us.
We are Insured Health Ltd ("IHL"). We provide a policy review service for customers with private medical insurance through our telephone advisory service. As part of this service we may refer our customers to insurers for an appropriate insurance product.
We are registered in England and Wales under company number 09886202 and our registered company address is Saville House, 74-90 Savile Street, Sheffield, S4 7UD. We are authorised and regulated by the Financial Conduct Authority reference No 774335.
As part of providing our service we collect and process the personal data of our customers, including private medical information of the customer and other people on or administering the policy. We do this so that we can find a suiltable insurance policy in doing this we pass this information on on to insurers.
In some circumstances we may also use customer information for marketing purposes, although you can opt out of this.
We may also use your information for research, analysis and statistical purposes or to help develop our systems.
Consent - if we have been provided with contact details by a person then that person has consented to us having those contact details.
Contract - the information may be necessary so that we can perform a contract with the organisation.
Legitimate interest - we have a legitimate interest in being able to conduct our business.
We use different methods to collect data from and about you including through:
Direct interactions. You may give us your Identity, Contact and Financial Data by filling in forms or by corresponding with us by post, phone, email or on our online chat facility.
Third parties, We may receive personal data about you from various third parties and public sources. This data will include, name, address, phone number and current insurance provider.
We will use your personal information for the purposes set out in the table below:
|
Reason for processing your data |
Legal basis for processing this data |
Retention Period |
|
Assess and provide the products or services that you have requested. |
Processing in connection with a contract |
7 years from the end of the relevant contract unless there are liabilities or a likelihood of later occurring claims
|
|
Communicate with you to provide our services, including risk advice |
Processing in connection with a contract |
7 years from the end of the relevant contract unless there are liabilities or a likelihood of later occurring claims |
Marketing, market research and other self-promotional activity |
Legitimate interests |
3 years after the last date of contact |
|
Support monitoring and quality management of our employees and processes |
Processing in connection with a contract |
3 years |
|
Complaints |
FCA regulations |
6 years from the closure of the complaint |
As well as insurers we may also disclose your information with the following people.
IT Companies - We use multiple IT companies for systems, telephony, call recording and email these are used to store customer information.
Legal and regulatory bodies - We are authorised and regulated by the FCA and may have to share your information with them or other bodies such as the ICO.
Legal advise and disputes - We may need to share your information with our legal advisors if a complaint or dispute is made.
In addition to the above we may also use your information for research, analysis or statistical purposes.
If we hold your information about you then you have the following rights in respect of our use of that information:
You can request the deletion of your personal data under certain conditions, such as:
Right to Restrict Processing, you can request that your data not be processed while a dispute over its accuracy or usage is resolved.
This means the data can be stored but not used until the restriction is lifted.
Right to Data Portability you can request your data in a structured, commonly used format (e.g., CSV, JSON) and have it transferred to another service provider.
This applies mainly to automated processing and data collected based on consent or contract.
Right to Object you can object to data processing based on legitimate interests, public interest, or direct marketing.
We will stop processing unless we have a compelling legal reason to continue.
These are the key facts from our privacy policy, a full copy can be found here or can be requested in writing using our contact page.
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
Our website may contain links to enable you to visit other websites of interest easily. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
ICO, who can be contacted through their website at https://ico.org.uk/global/contact-us/ or by writing to Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF Tel: 0303 123 1113 (local rate) or 01625 545 745 (national rate) Email: icocasework@ico.org.uk
