Privacy Policy

Bettersafe Products Limited (“we”, “us” or “our”) takes data protection seriously. We respect the privacy of every individual who visits our site and have developed this Privacy Policy because we want you to feel confident about the privacy and security of your personal information.

Please read this Privacy Policy carefully. If you use any of our services, which are described in the Terms of Use ("Services"), you will be regarded as having read and accepted this Privacy Policy. By using our website you are giving us permission to use your data as set out in this Privacy Policy. You must not use our website or our Services if you do not accept this Privacy Policy.

We follow strict security procedures in the storage and disclosure of your information as required by law under the Data Protection Act 1998.

Our security procedures mean that we always require proof of your identity before we will disclose information to you. Proof of identity will also include your password, which is why you should never reveal it to anyone.

We are the Data Controller

Bettersafe Products Limited (company number 08162356) is a data controller under the Data Protection Act in relation to your personal information. The product providers and their appointed representatives and any intermediaries, will also be data controllers in relation to your personal information, and you have the same rights to know what information they hold about you as you do about the information we hold.

It is possible that some of these companies process personal data outside the European Economic Area (EEA) (e.g. if they use overseas call centres), in which case, their websites should tell you if they do.

If you have any enquiry about our data protection and/or privacy policy or practices, or any queries relating to your data, please write to the Data Protection Officer at our registered office address:

Bettersafe Products Limited
Kestrel House
111 Heath Road
Twickenham
Middlesex
TW1 4AF 

How we will use your data

In order to provide our services, we need to collect and process personal data about you and disclose this information to a number of third party service providers. This includes collection of any sensitive data as defined within the Data Protection Act 1998, such as medical history or criminal convictions, or additional data collected by us not directly obtained via our website.  By using our website, you confirm your explicit consent to such data being processed by ourselves or any third party providers that we may use.

Before you provide us with any information about other people, you must first get their permission. This applies to all information you provide about them, but especially to sensitive data such as health information or criminal proceedings or convictions. In submitting their details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used under the terms of this Privacy Policy.

We may also use your data to review and analyse market trends and to track sales data, including information on how you use our website, pages you have viewed and which website you used prior to visiting ours.

Certain insurance providers may use your information to assess membership and transactions against certain loyalty schemes, and apply a discount if applicable.

All personal information you provide will be held in the strictest confidence and only used for the purpose of providing our service, subject to certain exclusions as described within this Privacy Policy and the Terms of Use.

Disclosure of information

We will endeavour to treat all your personal information as private and confidential. Other than under the terms of this Privacy Policy we will not disclose any of your information to any other parties unless:

    • We are legally compelled to do so e.g. to the Financial Conduct Authority
    • There is a duty to the public to disclose
    • Disclosure is required to protect our interest
    • Disclosure is made at your request or with your consent

Information about our services

Bettersafe Products Limited may use the information you supply to contact you by phone, email, SMS or otherwise about products and services which may be of interest to you.  Such services could include our newsletter, exclusive offers or renewal reminders/quotations.

If you are not happy for your data to be used in this way, you can unsubscribe by sending an email to enquiries@bettersafe.com or using the ‘Contact Us’ form on the Bettersafe.com website.

Please remember that by opting out, we will not be able to contact you about products or services that may benefit you.

After processing a quote, we may send you a summary of the prices received by either email or SMS.  This is part of our automated service and is a condition of use of our website.  We may also contact you by phone to assist with your quotation or contact you about any additional services that may be available directly relating to your quote.

Unsolicited marketing policy

As we don't want you to be inundated with marketing mail from the providers/partners that we visit with your personal quote details, wherever possible our technology will automatically opt you out of receiving their marketing material. You should therefore not receive any communication from any third parties, other than outlined in this Privacy Policy. Although we cannot guarantee this, we do have contractual arrangements in place to prevent such communication, so please let us know if you do experience problems other than outlined above by emailing enquiries@bettersafe.com

If you click through to any third party website, we cannot guarantee you will not be contacted by them.  We would recommend that you read their Terms and Conditions and their Privacy Policy concerning your right to opt-out from contact by them.

Your rights to your personal data

You have certain rights under the Data Protection Act 1988. If you want to know what personal information we hold about you, we will provide you with this data. If any information held is inaccurate, we will make the necessary amendments and confirm to you that these have been made. If you wish to make a request under the terms of the Data Protection Act, for the personal information we hold about you, please write to us at:

Data Protection Officer
Bettersafe Products Limited
Kestrel House
111 Heath Road
Twickenham
Middlesex
TW1 4AF
 
Please enclose two forms of identification displaying your name, address and/or date of birth (please send photocopies) and a cheque for the statutory administration fee of £10.00 made payable to Bettersafe Products Limited. We are entitled to charge you this fee under the Data Protection Act to cover our administration costs.

Removal of personal information

If you would like us to remove any personal information from our records, then please write to our Data Protection Officer at the above address or email us at enquiries@bettersafe.com. We will make all reasonable efforts to delete your information from our files if it is deemed appropriate.

Help with your quotation

When using the insurance or other services offered through our site, it may be necessary for us to pass your information to other organisations from whom you will receive quotations you have requested from our site. While we remain data controllers in relation to that information, in connection with everything that those organisations do with that information, they will also be data controllers. Their privacy statement, setting out what they do with your personal data, will be available to you on their site. All you need to do is click on their Privacy Policy.

Monitoring

Monitoring or recording of your calls, emails, text messages and other communications may take place in accordance with UK law, and in particular for business purposes such as: quality control and training; processing necessary for the entering into or the performance of a contract; to prevent unauthorised use of our telecommunications systems and web sites and/or services; to ensure effective systems operation; to meet any legal obligation; in your vital interests; in order to prevent or detect crime; and for the purposes of the legitimate interests of the data controller. Please visit the following websites for further information:

    • www.informationcommissioner.gov.uk
    • www.berr.gov.uk/

Confidentiality

From time to time we will employ agents to process your information on our behalf. We may allow such agents, including providers of some of our services, access to your personal information. The same duty of confidentiality and security will apply to our agents. Should you take the decision to make a complaint about the service we have provided, we may be obliged to forward details about your complaint, including your personal information, to the Information Commissioner (who regulates data protection law in the UK) and/or the relevant ombudsman in existence at the time. You can be assured that they are similarly obliged to adhere to the Data Protection Act. If we or our business is taken over, your personal information may be passed to the new owners.

At Bettersafe Products Limited we take the issue of insurance fraud seriously.  For the protection of our customers and to combat insurance fraud, we will actively monitor the information entered onto our website and pass on intelligence of suspected fraud to other parties including insurance providers or law enforcement agencies.  Examples of activity that could be considered fraudulent include deliberately and dishonestly failing to disclose information, or misrepresent any fact which may influence an insurer’s decision to accept the risk or term offered; or deliberately incepting a policy with an intent to make a claim.

You should be aware that insurance providers exchange information through various databases to help check information provided and to prevent fraudulent claims. Specifically, Insurance Database Services Limited (IDSL) hosts the Claims and Underwriting Exchange (CUE) which holds a record of incidents reported to insurance companies by policyholders and third party claimants. Insurers may validate the information provided by you, both about yourself and about any other person named on the application, against the information held on CUE and against other databases hosted by IDSL. Insurers may use this information to consider whether to accept the risk. For details relating to information held about you on the Claims and Underwriting Exchange please visit insurancedatabases.co.uk

In addition, insurance providers may use the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI), to which the police, the DVLA and DVLNI (Driver & Vehicle Licensing Agencies), as well as other insurers, have access. Some insurers also participate in Insurance Hunter, a data-sharing scheme.

The aim of all of these is to help insurance providers check information provided and also prevent fraudulent claims. When we deal with your request for a quotation, if applicable, the insurance provider or any intermediary or appointed representative may search these registers and databases and any other anti-fraud registers set up by or for the insurance industry to provide such services. Under the conditions of your policy, you must tell us about any incident (such as accident or theft) which may or may not give rise to a claim. When you tell us about an incident we will pass information, relating to it, to the insurance provider, intermediary or appointed representative.

You should also make any other person named on the application aware of the ways in which information on them may be used.

Credit and other searches

Many insurance and financial services providers operate a credit scoring system and will carry out checks with credit reference agencies, fraud prevention agencies and other public or privately available sources of information. These checks will include electoral roll and credit information. The insurance checks are registered as general insurance searches and may be viewed by other companies when you apply for credit or insurance.

Often financial services providers will only request a credit check once you have decided on a particular supplier. Every application you submit for a loan or credit card, however, may affect your credit score so you may wish to keep applications to a minimum to protect your credit rating. 

These credit checks are not being carried out because you are using Bettersafe Products Limited, nor are they conducted by Bettersafe Products Limited, but may be processed by any provider at any stage of a quote or purchase process. 

Cookies

At Bettersafe Products Limited we respect your privacy and therefore we will only use ‘cookies’ where your browser enables us to do so. A cookie is a tiny piece of code, like a tag, which websites can place on your computer when you visit them, and act as a unique identifier that can be used to retrieve your records from databases, and to track your movement within the website.

We use ‘cookies’ to help you navigate through our site and to improve security. To find out more about cookies used by us, please read our Cookie Policy

Law

These terms of trading are subject to English law and to the exclusive jurisdiction of the English and Welsh courts. You acknowledge that by providing data to us, you consent to the processing of your data in accordance with this Privacy Policy.

We reserve the right to amend or modify our Privacy Policy at any time and in response to changes in applicable data protection and privacy legislation.

Dated: 01/01/2016
Regulatory Information

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