Your Data and Different Life

We need personal data on you to be able to provide our service to you. This document gives you the whats, wheres, hows and whys.

The Summary

You can see the data we collect to do our job. You don’t have to give it to us, but then we can’t help you. We might use this to get information on you from data providers, to save you having to answer more questions. We can only get information that you have given permission to share.

When we share your data with companies who work for us, it is then only what they need to do their job, and for no other reason. When you ask us to introduce to other providers we only share the data they need to respond to you.

We keep your data as long as needed to be able to do our job for you, and to meet any legal requirements. If you do not buy cover from us we remove your personal data after 18 months, or earlier if you wish.

We, or the companies we work with, may add your data to their research base, but only in a way that means it is not personally identifiable. The research base enables us to provide better cover in future.

We may keep some of your data anonymously on our website(s) or similar technology to help us improve our service, and on your computer or mobile as part of our processing, to improve our service or to enable us to make new offers to you.

This is only a summary to give you an overview. You need to read the complete information for the full facts.

Your Rights

• You can request to see a full list of the data we hold about you
• You can request we give you the data in a format that can easily be transferred to another provider
• You can ask us to correct any information that is not right
• You can ask us to remove any information that we do not need to do our job

You can ask us to manually review any automated decisions made about you. In some cases, some decisions about you may be made automatically in assessing your application, premium and the prevention and detection of fraud. If you want to do any of these you can contact us through our website www.differentlife.co.uk.

The Complete Information

Where we collect information from you, we are the controller of the data (data controller). Where our data partners are also involved in administering your policy, we will be joint data controllers of your personal data. A data controller determines the purposes and ways in which your information is processed.

The personal information we may get at any time

Personal
E.g. name, date of birth, email, etc
Medical
E.g. your illness history
Lifestyle
E.g. occupation, charitable preferences
Financial
E.g. income
Relationships
E.g. beneficiaries
Systems
E.g. IP address, cookie information, what device and apps you are using

Only if you buy cover from us

Payment
E.g. credit / debit card, bank details
Further medical
E.g. doctor’s name and address

How we may use your personal information at any time

Providing you offers for cover
E.g. assessing your information, providing prices and terms
Improving our service
E.g. resolving any queries or complaints, understanding how to make our site easier to use
Providing you further information
E.g. about cover or services that may of interest to you
To comply with relevant legal or regulatory requirements

How we may use your personal information only if you buy cover from us

Managing your cover
E.g. collect payment, talking to you as necessary,
paying claims
Confirming what you have told us
E.g. contacting your doctor about your medical history
Making your charitable donations
E.g. offering you relevant projects to support

Who we share your personal information with at any time: Our data partners

Our insurance and reinsurance partners
So we can provide cover to you and also to improve our service to you
They may include verifying your identity with credit reference agencies and publicly available sources such as the electoral register.
You can see Covéa's privacy notice at www.coveainsurance.co.uk.
Our software and administration partners
To operate our IT services and systems
To answer your queries
To improve our processes for you
Advertisers and product providers
So we can show you offers relevant to you and your preferences. So product providers can respond to introductions you have asked us to make.
Data providers and analytics companies
So we can improve our service to you
Professional advisors
To check we are complying with laws and regulations
Our regulators, Government (e.g. HMRC) and law enforcement agencies
Who regulate how we operate, where we have to do so by law or regulation

Who we share your personal information with: Only if you buy cover from us

Our insurance and reinsurance partners
Administering your cover
Checking medical records or medical assessments
Assessing and paying claims
Our software and administration partners
Administering your plan
Checking medical records or medical assessments
Payment provider
To collect your premiums

When we use your information, we rely on the following legal reasons

Performing our contract with you
Carrying out our responsibilities resulting from any agreements you have entered into with us
Complying with our legal and regulatory obligations
Fulfilling our legal obligations and regulatory requirements, detection and prevention of fraud or crime, representing you or defending our legal rights
Our legitimate interests
E.g. improve our services and website, management of our business such as forecasting, financial planning and analysing, receiving advice and assistance from professional advisers, auditors, software providers, statistical analysis (profiling)
Obtaining your consent
E.g. to obtain information from cookies on our website, to market to you (you can withdraw your consent or change the way we contact you at any time)

Where we hold your personal information

We and our data partners may hold and view your data outside of the UK. These countries may have different data protection standards, but we will always ensure that there are appropriate controls to protect your personal information.

How long we keep your personal information if you have not bought cover from us

If you do not consent for us to continue to market to you
3 months from your last interaction with us
If you do consent for us to continue to market to you
For 18 months or until you ask us to remove your data. Every time we contact you we will give you this option, or you may contact us through our website www.differentlife.co.uk.

How long we keep your personal information if you buy cover from us

If you do not consent for us to continue to market to you
E.g. collect payment, talking to you as necessary, paying claims
If you do consent for us to continue to market to you
Until you ask us to remove your data. Every time we contact you we will give you this option, or you may contact us through our website www.differentlife.co.uk.

If you ask us to remove your data we will still hold it until all benefits you have bought from us end, except for data that may be needed for us to fulfil our contractual, legal and regulatory obligations or in the event of potential legal actions which will be held until any such action is time-barred

Using your data for research

We, and our data partners, may retain and use your data for research to improve their services. Before this is done anything that would allow someone to identify you, e.g. name, email, IP address, etc. will be removed. Therefore, only anonymised data will be used for research.

Cookies

A cookie is a small piece of code, sent from a website sends to a user's internet browser, which allows that website to track the user's previous activity when they return to that website. This allows us to provide you with the experience that you expect from us and lets us continually improve our service.

You can block cookies by changing the settings on your browser, but if you do you will not be able to access all or parts of our website.

The types of cookies we use are:

Strictly necessary cookies

These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.

Analytical/performance cookies

They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.

If you want more information about how cookies operate, or how to manage them, please visit aboutcookies.org.