Privacy Policy

Privacy policy
1. Introduction
1.1 We’re committed to safeguarding the privacy of our web site visitors; within this policy we explain how we will treat your personal information.
1.two By utilizing our website and agreeing to this policy, you consent to our use of cookies in accordance with the terms of this policy.
2. Credit
two.1 This document was produced employing a template from SEQ Legal (http://www.seqlegal.com).
You must retain the above credit. Use of this document without having the credit is definitely an infringement of copyright. However, you are able to acquire from us an equivalent document that will not consist of the credit.
3. Collecting personal data
three.1 We could gather, store and use the following sorts of personal info:
(a) details about your pc and about your visits to and use of this internet site (which includes your IP address, geographical location, browser variety and version, operating system, referral source, length of check out, web page views and internet site navigation paths);
(b) data that you supply to us when registering with our web site (which includes your e mail address);
(c) information that you simply provide when completing your profile on our website (like your name, profile photos, gender, date of birth, partnership status, interests and hobbies, educational information and employment particulars);
(d) information that you simply provide to us for the goal of subscribing to our e-mail notifications and/or newsletters (which includes your name and e-mail address);
(e) details which you provide to us when employing the solutions on our site, or which is generated in the course in the use of those solutions (like the timing, frequency and pattern of service use);
(f) data relating to any purchases you make of our goods and/or services or any other transactions that you enter into by means of our internet site (including your name, address, phone quantity, e mail address and card specifics);
(g) data which you post to our web site for publication around the net (such as your user name, your profile pictures and the content of your posts);
(h) data contained in or relating to any communication that you simply send to us or send by way of our website (including the communication content and metadata related with the communication); and
(i) any other personal data that you choose to send to us.
further list things
three.two Before you disclose to us the individual data of one more person, you should acquire that person’s consent to each the disclosure as well as the processing of that private details in accordance with this policy.
4. Utilizing individual details
4.1 Personal info submitted to us by means of our internet site will probably be used for the purposes specified within this policy or on the relevant pages from the site.
4.two We may use your private info to:
(a) administer our website and company;
(b) personalise our website for you;
(c) allow your use from the services available on our web site;
(d) send you goods bought via our internet site;
(e) provide to you solutions purchased by way of our web site;
(f) send statements, invoices and payment reminders to you, and gather payments from you;
(g) send you non-marketing commercial communications;
(h) send you e-mail notifications that you simply have particularly requested;
(i) send you our e-mail newsletter, when you have requested it (you are able to inform us at any time in case you no longer need the newsletter);
(j) send you advertising and marketing communications relating to our organization or the companies of carefully-selected third parties which we consider may be of interest to you, by post or, exactly where you’ve particularly agreed to this, by e-mail or equivalent technology (you’ll be able to inform us at any time in the event you no longer demand advertising and marketing communications);
(k) offer third parties with statistical details about our customers (but those third parties is not going to have the ability to determine any individual user from that details);
(l) handle enquiries and complaints made by or about you relating to our website;
(m) preserve our website safe and stop fraud; and
(n) verify compliance with the terms and situations governing the use of our internet site (like monitoring private messages sent through our website private messaging service).

four.three Should you submit individual data for publication on our web site, we’ll publish and otherwise use that data in accordance together with the licence you grant to us.
four.four Your privacy settings might be used to limit the publication of your information on our web site, and may be adjusted making use of privacy controls on the website.
four.5 We are going to not, with no your express consent, provide your individual details to any third party for the purpose of their or any other third party’s direct advertising.
5. Disclosing private info
5.1 We may disclose your personal info to any of our workers, officers, insurers, professional advisers, agents, suppliers or subcontractors insofar as reasonably needed for the purposes set out in this policy.
five.two We could disclose your personal info to any member of our group of companies (this implies our subsidiaries, our ultimate holding organization and all its subsidiaries) insofar as reasonably required for the purposes set out in this policy.
5.three We may disclose your private information:
(a) towards the extent that we are essential to do so by law;
(b) in connection with any ongoing or prospective legal proceedings;
(c) to be able to establish, exercise or defend our legal rights (like offering details to other people for the purposes of fraud prevention and reducing credit threat);
(d) for the purchaser (or prospective purchaser) of any company or asset that we’re (or are contemplating) promoting; and
(e) to any person who we reasonably think may apply to a court or other competent authority for disclosure of that private data exactly where, in our reasonable opinion, such court or authority could be reasonably most likely to order disclosure of that individual details.
five.four Except as offered in this policy, we are going to not offer your private data to third parties.
6. International data transfers
6.1 Information that we collect may possibly be stored and processed in and transferred in between any from the countries in which we operate to be able to allow us to utilize the info in accordance with this policy.
6.two Data that we gather may possibly be transferred for the following nations which do not have data protection laws equivalent to those in force inside the European Economic Location: the United states of America, Russia, Japan, China and India.
6.3 Private information that you just publish on our website or submit for publication on our internet site could be available, by means of the world wide web, about the world. We cannot avert the use or misuse of such info by other people.
6.four You expressly agree to the transfers of private information described in this Section six.
7. Retaining private info
7.1 This Section 7 sets out our data retention policies and procedure, that are created to assist ensure that we comply with our legal obligations in relation towards the retention and deletion of private info.
7.2 Individual information that we approach for any goal or purposes shall not be kept for longer than is essential for that goal or these purposes.
7.three With out prejudice to Section 7.2, we’ll normally delete private data falling within the categories set out under at the date/time set out below:
(a) All user details will probably be deleted in two weeks time.

7.four Notwithstanding the other provisions of this Section 7, we are going to retain documents (such as electronic documents) containing personal data:
(a) for the extent that we are essential to do so by law;
(b) if we believe that the documents may possibly be relevant to any ongoing or prospective legal proceedings; and
(c) to be able to establish, exercise or defend our legal rights (which includes offering details to other individuals for the purposes of fraud prevention and decreasing credit danger).
8. Safety of private info
8.1 We will take reasonable technical and organisational precautions to stop the loss, misuse or alteration of one’s personal information.
8.2 We will retailer all the private details you supply on our safe (password- and firewall-protected) servers.
eight.three All electronic financial transactions entered into by way of our website will probably be protected by encryption technologies.
8.four You acknowledge that the transmission of info over the net is inherently insecure, and we cannot assure the safety of data sent over the internet.
eight.five You’re accountable for maintaining the password you use for accessing our site confidential; we will not ask you for the password (except when you log in to our internet site).
9. Amendments
9.1 We could update this policy from time to time by publishing a new version on our website.
9.2 You must verify this page occasionally to make sure you happen to be content with any modifications to this policy.
9.three We might notify you of adjustments to this policy by e-mail or through the private messaging system on our website.
ten. Your rights
ten.1 You may instruct us to provide you with any private data we hold about you; provision of such information will be subject to:
(a) the payment of a charge (at the moment fixed at GBP 10); and
(b) the supply of appropriate proof of your identity (for this purpose, we’ll typically accept a photocopy of the passport certified by a solicitor or bank plus an original copy of a utility bill displaying your current address).
ten.two We might withhold private details which you request towards the extent permitted by law.
ten.three You might instruct us at any time not to method your individual info for advertising purposes.
10.four In practice, you will generally either expressly agree in advance to our use of one’s individual data for advertising purposes, or we’ll give you with an opportunity to opt out of the use of the individual data for advertising and marketing purposes.
11. Third celebration internet sites
11.1 Our web site involves hyperlinks to, and particulars of, third celebration sites.
11.2 We have no control over, and usually are not accountable for, the privacy policies and practices of third parties.
12. Updating data
12.1 Please let us know when the personal details that we hold about you must be corrected or updated.
13. Cookies
13.1 Our web site utilizes cookies.
13.2 A cookie is really a file containing an identifier (a string of letters and numbers) that is sent by a net server to a internet browser and is stored by the browser. The identifier is then sent back for the server each and every time the browser requests a page in the server.
13.three Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will probably be stored by a internet browser and can remain valid till its set expiry date, unless deleted by the user just before the expiry date; a session cookie, around the other hand, will expire at the finish from the user session, when the web browser is closed.
13.four Cookies usually do not typically contain any details that personally identifies a user, but personal info that we retailer about you may be linked to the info stored in and obtained from cookies.
13.5 We use only persistent cookies on our web site.
13.six The names from the cookies that we use on our site, along with the purposes for which they are utilized, are set out under:
(a) we use cookies to validate authenticated customers sessions.
13.7 Most browsers let you refuse to accept cookies; by way of example:
(a) in Net Explorer (version 11) you are able to block cookies utilizing the cookie handling override settings available by clicking “Tools”, “Internet Options”, “Privacy” and after that “Advanced”;
(b) in Firefox (version 47) you are able to block all cookies by clicking “Tools”, “Options”, “Privacy”, selecting “Use custom settings for history” in the drop-down menu, and unticking “Accept cookies from sites”; and
(c) in Chrome (version 52), you can block all cookies by accessing the “Customise and control” menu, and clicking “Settings”, “Show sophisticated settings” and “Content settings”, and after that picking “Block internet sites from setting any data” below the “Cookies” heading.
13.eight Blocking all cookies may have a negative impact upon the usability of several web sites.
13.9 If you block cookies, you may not have the ability to use all the characteristics on our web site.
13.ten You are able to delete cookies currently stored in your laptop; for example:
(a) in Internet Explorer (version 11), you have to manually delete cookie files (it is possible to discover directions for doing so at http://windows.microsoft.com/en-gb/internet-explorer/delete-manage-cookies#ie=ie-11);
(b) in Firefox (version 47), you’ll be able to delete cookies by clicking “Tools”, “Options” and “Privacy”, then selecting “Use custom settings for history” in the drop-down menu, clicking “Show Cookies”, then clicking “Remove All Cookies”; and
(c) in Chrome (version 52), you’ll be able to delete all cookies by accessing the “Customise and control” menu, and clicking “Settings”, “Show sophisticated settings” and “Clear browsing data”, then picking “Cookies and also other website and plug-in data” just before clicking “Clear browsing data”.
13.11 Deleting cookies will have a negative effect on the usability of a lot of web sites.
14. Information protection registration
14.1 We’re registered as a information controller using the UK Info Commissioner’s Office.
15. Our information
15.1 This internet site is owned and operated by Health Insurance Estimates.
15.4 It is possible to make contact with us:
(a) by post, employing the postal address offered above;
(b) using our website make contact with type;
(c) by telephone, on the speak to number published on our internet site from time for you to time; or
(d) by email, employing the e mail address published on our web site from time to time.