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/.