Privacy Policy

Reassured Limited is committed to protecting your privacy in accordance with the Data Protection Act 2018 and the UK GDPR (and any other applicable legislation). For the purposes of this Privacy Policy, references to “Reassured, us, we, our" are references to Reassured Limited.

Reassured Limited is a life insurance broker, headquartered in the United Kingdom. Our life insurance broker services are free and without obligation. At Reassured, we offer three different types of service:

• An online execution-only service, providing online information which will allow you to make your own decisions and purchase via your computer, or mobile device;
• A non-advised service where you will speak to an agent who can provide you with information and quotes based on your needs, allowing you to make an informed decision; and
• An advised service, where our advisers will consider your personal circumstances and provide a recommendation on which products will best suit your needs.

Our Privacy Policy is set out below. Please read this policy with care; it describes how we will process, share and use your data.

Reassured will be handling the personal information you provide. This will include any sensitive personal data such as health information which you provide as part of the quotation and application process.

Reassured may use personal information for the following purposes:

• Provide you with a quotation and apply for a policy;
• Provide you with administrative services in relation to your policy;
• For the prevention, detection and investigation of financial crime, including fraud;
• Statistical and analytical research; and
• Where necessary, to comply with legal and regulatory obligations.

Reassured may use third-parties to process your data, however Reassured will remain as the data controller for such processing.

When processing your data Reassured do not undertake any automated decision making. However, when we provide your data to our insurance partners, for the purposes of obtaining a quote or applying for a policy, they may undertake an automated underwriting process. Details of this automated process and your rights to challenge the outcome are provided in the insurers’ privacy policies which can be found on their websites.

We rely on the following legal bases to use your personal data:

Contract: the processing is necessary for a contract we have with you, or because you have asked us to take specific steps before entering into a contract. If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory or not (as well as of the possible consequences if you do not provide your personal information).

Legitimate interests: the processing is necessary for our legitimate interests or the legitimate interests of a third party unless there is a good reason to protect your personal data which overrides those legitimate interests.

Consent: In some circumstances we may be required to obtain your consent to provide you with direct marketing of our products and services. Where this requirement applies or where we have sought your consent, we will process your personal data with your consent (see your rights below for more information about how you may opt-out of marketing communications or withdraw your consent). We will also require your explicit consent as described in the information we collect.

You have the right to ask Reassured for a copy of the personal information we hold about you including call recordings.

If you would like to (a) access, correct, update or request deletion of your information; or (b) object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information, please contact Reassured using the contact details provided here and stating the nature of your request. Furthermore, if you believe the information we hold is incorrect please contact Reassured detailing any inaccuracies in that information. We will rectify any inaccuracies immediately.

You also have the right to opt-out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you. To opt-out of other forms of marketing (such as postal marketing or telemarketing), then please contact us using the contact details provided here.

Similarly, if we have collected and process your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent.

The Reassured website contains links to websites operated by third parties under different privacy policies. Should you click one of those links, you will be leaving the Reassured site and this Privacy Policy will no longer apply.

We may share your information with our third-party insurers and business partners:

• in order to obtain the quotes you have requested;
• to provide the insurers with the information they require in order to make a decision in regards to your insurance application;
• to arrange any insurance product on your behalf; and
• as otherwise required in order to fulfil our contract with you.

As set out in the information we collect, some of this information will be special category data.

In connection with the purposes set out in our Privacy Policy, third party service providers and data processors may have access to, or process, your data on behalf of Reassured Limited as the Data Controller. These include:

• IT Service providers, including those who help operate our online quote and application journey, website, telephony, IT and back office systems; and
  
• Legal advisers, accountants, auditors, financial institutions and professional service firms who act on our behalf;

Reassured’s advice service operate on a ‘Whole of Market’ basis. This means that we will review all insurers to advise you on the policy most suited to your needs. Thus, we may share limited data with any insurance provider for the purpose of providing quotes, and your detailed information with your chosen insurance provider for the purpose of arranging an insurance policy.

Reassured Limited offer quotations from a restricted panel of insurers, thus may share your data with any of the following insurance partners for the purpose of providing quotes and arranging an insurance policy:

• Aviva
• American International Group (AIG)
• Legal & General (L&G)
• Liverpool Victoria (LV=)
• OneFamily
• The Exeter
• SunLife
• VitalityLife
• Zurich

Limited anonymised information may be shared with advertising service provider’s
organisations we work with, such as Google, Facebook, Outbrain and Taboola. We may share data with them to carry out this activity. We carry out these activities to help us understand customer behaviour, advertise and improve our services for you now and in the future. We will not sell your data to third parties for them to market to you.

Your personal information may also be disclosed to any competent law enforcement body, regulatory, government agency, court or other third party where we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person.

We may also share your data with any other corporate entity in our group, including entities that we may acquire or that may acquire us in the future. However, they will only use your personal information only for the purposes disclosed in this Privacy Notice.

We may also share your information to any other person if you have consented to the disclosure.

We may send you newsletters, or other communications, by email to keep you informed about our products and events. Our subscription lists will not be sold, rented or leased to any third-parties.

We use code within our emails to identify open rates and click through rates. This enables us to identify which individuals have opened the message or clicked on links within it so as to better tailor any follow-up communications.

You can remove yourself from the subscription lists at any time by clicking on the unsubscribe link within the email or by emailing marketing@reassured.co.uk stating “consent withdrawn”, please also confirm your postcode, name and DOB to allow us to identify you correctly.

You have the right to complain to the Information Commissioner's Office about our collection and use of your personal information. For more information, please contact the Information Commissioner's Office (www.ico.org.uk):

Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number.