Lifebroker UK Privacy and Data Protection Policy
Lifebroker UK Ltd is bound by the Data Protection Act. This requires us to tell you how we collect and use data that we may have about you. At any time you have the right to view the personal data we hold about you and correct any errors this may contain.
This Policy outlines Lifebroker's obligation to manage and protect the personal information we hold about individuals. 'Personal information' is information or an opinion relating to an individual, contained in a record, which can be used to identify that individual. 'Sensitive information' includes information relating to an individual's racial or ethnic origin, political opinions, religion, trade union or other professional or trade association membership, sexual references and criminal record, and also includes health information about an individual.
What type of information does Lifebroker hold?
The type of information we hold varies depending on the type of product or service we provide to you. For example, Lifebroker will hold different information about you if you have a life insurance policy than we will hold if you have a managed investment.
In general, Lifebroker may hold the following personal information:
- name and address
- date of birth
- contact details, which may include your telephone number
- your gender
- occupation, income and other personal details relevant to providing you with an insurance quote
How does Lifebroker collect this information?
We generally collect personal information directly from you. For example, you may deal with us on the phone, through a website submission, send us correspondence (by letter, fax or email) or contact us in person.
If the personal information that we request from you is not provided, we may not be able to process an individual's application to receive insurance cover, or interest in an investment, or provide individuals with the benefit of our services, or meet an individual's needs appropriately.
Why does Lifebroker collect personal information?
Lifebroker collects personal information in order to:
- provide you with our advice and our services regarding financial products and financial services;
- ensure that your needs are both acknowledged and met;
- manage the internal accounting and administration requirements of our business;
- comply with our legal obligations; and
- to help us manage and enhance our services.
How does Lifebroker use and disclose this information?
'Use' of personal information means use within Lifebroker, and 'disclosure' of personal information means providing the information to persons outside of Lifebroker.
We use personal information for the primary purposes for which it is collected (as set out above), for reasonably expected secondary purposes which are related to the primary purposes, and in other circumstances authorised by the Data Protection Act.
Sensitive information will be used and disclosed only for the purpose for which it was provided or a directly related secondary purpose, unless you agree otherwise, or where certain other limited circumstances apply (eg, where required by law).
We do not disclose personal information we collect to others for the purpose of allowing them to direct market their products and services. We do not use or disclose sensitive information for direct marketing purposes.
Sometimes we engage other people to perform services for us, which may involve that person handling personal information held by us. We always prohibit that person from using or disclosing personal information about you except in relation to the specific purpose for which we supply it.
To whom might we disclose personal information?
We may disclose your personal information to:
- financial product providers to assist in insurance and investment applications;
- consultants we engage;
- organisations involved in a transfer or sale of all or part of our assets or business (including accounts and trade receivables);
- organisations involved in managing our funding functions;
- regulatory authorities, if required by law; and
- anyone else to whom you authorise us to disclose it.
Management of personal information
The Data Protection Act requires us to take all reasonable steps to protect the security of personal information. Our personnel are bound by a confidentiality agreement to respect the confidentiality of personal information and the privacy of individuals.
Lifebroker takes reasonable steps to protect personal information from misuse and loss and from unauthorised access, modification or disclosure, by use of physical security and restricted access to records.
Lifebroker is a member of the Information Commissioner's Office Registration Number Z2118799.
How does Lifebroker handle a request for access to personal information?
Under the Data Protection Act you are entitled to access the information we hold about you. Where you are entitled to access, the time we require to give you access will depend on the type of information requested. If we can, we will answer your question immediately. We will also try to answer you in the same way that you ask, for example, if you telephone to ask for the information we will, if practicable, give you that information over the telephone. We will generally respond to a written request in writing.
Sometimes, we will ask that you put your request in writing, for example, where you want copies of material or access to older information or files which are not current or it is necessary for us to retain a record of your request.
We may also ask you to identify yourself to our satisfaction.
In some circumstances, we may charge a fee for giving you access, which will vary but will be based on our costs (internal and external) in locating the information and the form of access you require. If we propose to charge a fee for giving access, we will give you an estimate of the fee so you can confirm that you still want us to give you access to the information. We do not impose any charge for lodging a request for access.
If we are entitled under the Data Protection Act to refuse to give you access, we will tell you and provide reasons.
Lifebroker uses pixels, or transparent GIF files, to help manage online advertising. These GIF files are provided by our ad management partners. These files enable us to recognize a unique cookie on your Web browser, which in turn enables us to learn which advertisements bring users to our website. With both cookies and Spotlight technology, the information that we collect and share is anonymous and not personally identifiable. It does not contain your name, address, telephone number, or email address.
We will not use identifiers assigned by the Government for our own file recording services.
What if some of the information Lifebroker holds is wrong?
Please tell us. We want our records to be accurate, complete and up to date. Unless we disagree with you about the accuracy or completeness of a record, we will generally correct it on request, (or suggest alternative arrangements for updating our records). If we disagree with you, we will give you our reasons.
How do I make further enquiries or complain about a breach of privacy?
If you require more information about the way Lifebroker manages personal information or wish to make a complaint about a breach of your privacy, please contact Lifebroker (see below for details) and ask to speak to the Lifebroker Professional Standards Manager, who is responsible for privacy issues.
How can I contact Lifebroker?
Professional Standards Manager on 08442 43 53 63
Write to Us
The Professional Standards Manager Lifebroker Uk Ltd
64-66 Wingate Square, London SW4 0AF.
Changes to this Policy
We reserve the right to review and amend this Policy from time to time and to notify you by posting an updated version on our website.
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