We use your personal data in the following circumstances and relying on the following lawful basis for processing:

Purpose / Activity Type(s) of data Lawful basis for processing
To initially engage with you to discuss your requirements
  • Identity
  • Contact
 Consent
To process and deliver your product
  • Identity
  • Contact
  • Financial
  • Special Category
  • Transaction
  • Marketing and comms
 Performance of a contract with you

To comply with a legal obligation

Necessary for our legitimate interest (to recover debts due to us)
To manage our client relationship with you which will include:

  • Create and maintain access to your customer portal account
  • Notifying you about changes to our terms or privacy policy
  • Customer reviews / surveys
  • Re-engagement when existing products nears expiry / review protection needs
  • Identity
  • Contact
  • Profile and usage
  • Marketing and comms
 Performance of a contract with you

To comply with a legal obligation

Necessary for our legitimate interest (to re-engage with you to review your existing product needs, and to maintain and improve customer service standards)
To respond to case enquiries and input to & defend against complaints
  • Identity
  • Contact
  • Profile and usage
  • Transaction
  • Marketing and comms
 To comply with a legal obligation

Necessary for our legitimate interest (to ensure that complains can be responded to accurately)
To perform an affordability check for a product on behalf of an Agent
  • Identity
  • Contact
  • Financial
  • Profile and usage
 Necessary for our legitimate interests and of the Agent (to ensure that a product is affordable before proceeding with the purchase process)
To administer and protect our business and our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)
  • Identity
  • Contact
  • Technical
 To comply with a legal obligation

Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise)
To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you
  • Identity
  • Contact
  • Profile and usage
  • Marketing and comms
  • Technical
 Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy)
To use data analytics and other systems including AI and automated decision-making to improve our website, products/services, marketing, customer relationships and experiences
  • Identity
  • Contact
  • Financial
  • Special Category
  • Technical
  • Profile and usage
 Consent/Explicit Consent

Necessary for our legitimate interests (to analyse customer usage, update our website, to develop our business, and to inform our re-engagement and marketing strategy)