Privacy Policy

  1. Introduction
  2. Protect Line is a life insurance broker. Our broker service is free and without obligation.
    The information contained within this policy explains how we use and process your data.
    Should you have any questions around your data, please contact us using the contact details
    below.

  3. INFORMATION COLLECTION
    1. Protect Line Limited ("we" "us" "our") is committed to
      protecting and respecting your privacy. We are the data controller and will process
      your personal data in accordance with the Data Protection Legislation (GDPR and Data
      Protection Act 2018). All data collected is confidential and is stored securely.
    2. Please read the following carefully to understand our views and practices regarding
      Your Data and how we will treat it.
  4. VISITORS TO OUR WEBSITES
    1. We may collect and process personal data about you in the following circumstances:
      1. when you complete the online contact forms on our websites providing us with
        your name, address, gender, smokers status, email address and contact
        number. Where you ask us to provide you with a quote for your partner too,
        we will collect details regarding them from you too;
      2. whenever you provide information to us when reporting a problem with our
        website, making a complaint, making an enquiry or contacting us for any
        other reason. If you contact us, we may keep a record of that
        correspondence;
      3. when you visit our websites, we will retain details such as traffic data,
        location data, web-logs and other communication data, and the resources that
        you access (see section 2.2.2 on Cookies below); and
    2. We may also collect data in the following ways:

        IP Address

      1. We may collect information about your device, including where available your
        Internet Protocol address, for reasons of fraud protection. We may also
        collect information about your device’s operating system and browser type,
        for system administration and to report aggregate information to our
        advertisers. This is statistical data about our users’ browsing actions and
        patterns, and does not identify any individual.
      2. Cookies

      3. Cookies used on our websites allow us to improve the experience you have
        when visiting. In addition to providing you a personlised experience we also
        use cookies for advertising, to track usage behaviours, your device type,
        and to collect various data, including analytics, about how you use and
        interact with our websites. This allows us to provide a better experience on
        our websites, and to collect, analyse and improve the performance of our
        Services. We may also collect certain information automatically such as your
        location (IP address), device type and other technical information so that
        we can analyse and personalise our service. If you choose not to receive
        cookies, you may not be able to use certain features of our website.
    3. We may use your personal data for our legitimate interests in order to:
      1. provide you with information, or services that you requested from us, either
        directly or indirectly when submitting a request for further information
        around life insurance products. In the event of your data being submitted
        from a third party, we ensure that the provider has obtained the necessary
        consents in order to pass your information on;
      2. respond to an enquiry submitted via our online contact forms;
      3. allow you to participate in interactive features of our website, when you
        choose to do so;
      4. ensure that content from our website are presented in the most user friendly
        format for you and for the device being used to access our services;
      5. improve our websites and services;
      6. process and deal with any complaints or enquiries made by you; and
      7. contact you for marketing purposes where you have signed up for these (see
        section 5 for further details)
  5. Customers

    We look after your data securely and collect and use your data in the following ways:

    1. During the quoting and application process, we will collect details such as name,
      address, email address, contact number, date of birth, and financial information in
      order to provide services to customers.
    2. We will seek your consent to share personal information with an insurance provider
      in order to find the best policy to meet your needs. Your data will be processed by
      our employees in order to manage our relationship with you. We will retain personal
      data for 80 years in order to comply with our regulatory obligations and
      requirements of our Principle Firm, Tenet Lime Ltd.
    3. We will use your personal data provided to comply with our contractual obligations
      arising from the agreements we enter into with you and share the data with product
      providers.
    4. We will use customer personal data for our legitimate interests including:
      1. sharing personal data with Tenet Lime Ltd as they are responsible for the
        services we provide to our customers and have a legal obligation to monitor
        our compliance with the Financial Services and Markets Act 2000 and
        Financial Conduct Authority rules. Further details regarding how Tenet will
        use your customer personal data can be found on their website at www.tenetgroup.co.uk or by contacting Tenet on
        01132390011;
      2. with your consent, marketing our other products and services by post, email,
        SMS and Social Messaging (e.g. Facebook Messenger and Whatsapp) and phone.
      3. with your consent, obtaining and sharing your sensitive personal data with
        third parties including information about your health, ethnic origin, or
        criminal prosecutions such as identity verification agencies, fraud
        prevention agencies and other similar organisations.
    5. Where data is transferred outside the European Economic Area (“EEA”), we will ensure
      that the recipient data handler is located in a country approved by the European
      Commission as having an adequate level of protection in place. In the case of data
      being handled in the USA, we will ensure that the recipient data handler is Privacy
      Shield certified.
    6. Custom and look alike audiences

      We work with Facebook, Google and other platforms to reach out to you with
      adverts for related products and services we think you might be interested in.
      We also like to use platforms to reach out to other people who might like to use
      our service.

      We do this in two ways. In both cases, your data, along with other data, is used
      to create a custom audience and/or a lookalike/similar audience. Whenever an
      audience is shared with a platform, the data is first hashed and pseudonymised,
      meaning that any data within the audience that could identify a person is
      replaced with an artificial identifier, and the process of transferring the data
      is secure. We don’t share more data than we need to for the purpose of creating
      the audience.

      Custom Audience – A custom audience is a list of existing users of our service.
      From time to time, we share this with these platforms. As explained above, the
      data is first hashed and pseudonymised. The platform uses this audience to show
      our existing users our adverts for our other products and services.

      Lookalike/Similar Audience – A lookalike/similar audience is an audience created
      by the platform. From time to time, we share with platforms a list of existing
      users. The platform profiles this list to find and create lookalikes – i.e.
      other platform users who have similar characteristics to the existing users – to
      which it shows our adverts. Again, as explained above, the data is first hashed
      and pseudonymised.

      At any time, you may object to such activity by opting out: https://www.protectline.co.uk/marketing-consent/opt-out/

      You can also opt out on Facebook https://www.facebook.com/ads/preferences/edit/ and
      Google https://adssettings.google.com/

    7. Profiling

      We use profiling to evaluate personal aspects about you. This can include
      analysing your data for the purpose of marketing insight and analysis. We will
      also analyse your data in order to ensure that our employees have sufficiently
      met regulatory requirements and obligations when transacting your policy, and
      also for fraud prevention purposes. At the moment, we have no option to opt out
      of data processing in this way as the review of your data is an automated
      process and forms a part of our risk reduction strategy.

    8. Website Links

      Our Site may, from time to time, contain links to and from the websites of third
      parties. Please note that if you follow a link to any of these websites, such
      websites will apply different terms to the collection and privacy of your
      personal data and we do not accept any responsibility or liability for these
      policies. Please check before you submit your information to these websites.

  6. Marketing
    1. We may use customer personal data to provide you with details about our products and
      services which we think may be of interest.
    2. You have the right to opt-out of receiving the information detailed in section 5.1
      at any time. To opt-out of receiving such information you can:

      1. complete the form on our website at https://www.protectline.co.uk/marketing-consent/opt-out/;
      2. clicking the unsubscribe button contained in any such communication
        received; or
      3. email us at [email protected]
        providing us with your name and contact details
    3. Where you have subscribed to receive marketing correspondence from us, we will
      retain your marketing preferences indefinitely unless you unsubscribe from receiving
      such correspondence from us (whichever is earlier).
  7. LEGAL BASIS FOR PROCESSING YOUR PERSONAL DATA
    1. We process your personal data for the following reasons:
      1. For performance of a contract we enter into with you;
      2. Where necessary for compliance with a legal obligation we are subject to;
        and
      3. For our legitimate interests (as described within this policy)
    2. We will also process your personal data including special category data, where we
      have obtained your explicit consent. Should you no longer consent to us processing
      this data, please email us at [email protected]
  8. DISCLOSURE OF YOUR DATA to third parties
    1. In addition to the third parties mentioned previously in this policy, we may
      disclose your personal data to IT software and storage providers that store data on
      our behalf.
    2. We may disclose your personal data to: regulatory bodies, Legal Advisors or Legal
      Authorities such as the Police or similar third parties where we are under a legal
      duty to disclose or share your personal data in order to comply with any legal
      obligation, or in order to enforce or apply our agreements; or to protect our
      rights, property, or safety of our customers, or others. This includes exchanging
      information with other companies and organisations for the purposes of fraud
      protection and credit risk reduction.
  9. DATA SECURITY
    1. Information you provide to us is stored on our secure infrastructure. We have
      implemented appropriate physical, technical and organisational measures designed to
      secure your information against accidental loss and unauthorised access, use,
      alteration or disclosure. In addition, we limit access to personal data to those
      employees, agents, contractors and other third parties that have a legitimate
      business need for such access.
    2. Unfortunately, the transmission of information via the internet is not completely
      secure. Although we will do our best to protect your personal data, we cannot
      guarantee the security of your information transmitted to our site; any transmission
      is at your own risk.
  10. ACCESS TO, UPDATING, DELETING AND RESTRICTING USE OF YOUR DATA
    1. It is important that the personal data we hold about you is accurate and current.
      Please keep us informed if the personal data we hold about you changes.
    2. Data protection legislation gives you certain rights in relation to your personal
      data. You have the right to object to the processing of your personal data in
      certain circumstances and to withdraw your consent to the processing of your
      personal data where this has been provided.
    3. You can also ask us to undertake the following:
      1. update or amend your personal data if you feel this is inaccurate;
      2. remove your personal data from our database entirely;
      3. provide you access or send you copies of your personal data in a commonly
        used format or transfer your information to another entity where you have
        requested us to do so;
      4. restrict the use of your personal data;
    4. We may request specific information from you to help us confirm your identity. Data
      protection legislation may allow or require us to refuse to provide you with access
      to some or all the personal data that we hold about you or to comply with any
      requests made in accordance with your rights referred to above. If we cannot provide
      you with access to your personal data, or process any other request we receive, we
      will inform you of the reasons why, subject to any legal or regulatory restrictions.
    5. Please send any requests relating to the above to [email protected]
      specifying your name and the action you would like us to undertake. Note that in
      relation to requests of unusually complex personal data, we reserve the right to
      charge a reasonable fee.
  11. RIGHT TO WITHDRAW CONSENT

    Where you have provided your consent to the collection, processing and transfer of your
    personal data, you may withdraw that consent at any time. To withdraw your consent
    please contact us at [email protected].

    CHANGES TO OUR PRIVACY POLICY

    We reserve the right to update this privacy policy at any time, and any changes we make
    to our privacy policy will be posted on this page. We will notify you if there are any
    changes to this policy that materially affect how we collect, store or process your
    personal data. If we would like to use your previously collected personal data for
    different purposes than those we notified you about at the time of collection, we will
    provide you with notice and, where required by law, seek your consent, before using your
    personal data for a new or unrelated purpose. We may process your personal data without
    your knowledge or consent where required by applicable law or regulation.

  12. CONTACT US

    We have appointed a Data Protection Officer to oversee compliance with this privacy
    policy. If you have any questions, comments or requests regarding this policy or how we
    use your personal data please contact our Data Protections Officer at [email protected]. This is in addition
    to your right to contact the Information Commissioners Office if you are unsatisfied
    with our response to any issues you raise at https://ico.org.uk/global/contact-us/.