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Privacy Policy

Privacy Policy

Insurio.co.uk is a trading style of Monevo Cover Limited. Monevo Cover Limited is an appointed representative of Quint Group Limited which is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 669450. Monevo Cover Limited is entered on the Financial Services Register under number 631413 and is registered under the Data Protection Act 1998 under reference number ZA071309. Registered address is Oxford House, Oxford Road, Macclesfield, Cheshire, SK11 8HS. Registered in England and Wales (company number 08930162). Here at Insurio.co.uk we are aware how important your privacy is, based on this we have implemented measures which will ensure any personal data that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling. In addition to this also in accordance with the Data Protection Act 1998. Contained within this statement and set out below are details of the type of information that we at Insurio.co.uk may hold about you our customer, also how we obtain and process any information we may have and importantly how we protect your privacy. This privacy policy is only applicable to us Insurio.co.uk and personal information which may be collected and obtained by us. Changes to this privacy policy; Insurio.co.uk may choose to amend the content of this privacy policy on occasion. If this occurs then a notification will be posted on this website, please be aware that this privacy policy was last updated on the 25/11/2015.

How we may contact you

Unless you state otherwise to us, lenders, third parties and other brokers (see further section on 'How we keep you informed') may contact you via telephone, email, post, sms, automated messages or fax.

How you contact us

Please contact us via the contact details provided within this website.

How we keep you informed

We may want to make contact with you at some point in order to keep you informed regarding offers on products or services which we think you may find of interest, this contact will be made via telephone, email, sms, automated messages or fax. Third parties may also wish to contact you from the information we have shared with them, any information that is shared to third parties is completely trusted for the purpose it is specified for, third parties may also use the same means of contact stated above. Third parties could contact you as we may be unable to offer you the payday loan you are looking for, this way third parties may have a product or service to offer you which potentially could suit your needs. If this is the case the third parties will pass your details onto a lender, they may require to carry out a further credit check. Whilst the lender or third party will make contact with you to confirm whether your application has been successful they will too have their own privacy policy and recommend you refer to them, upon making your application, you will be requested to agree to their use of your information.

Obtaining Data/Information

  1. You are free to access and browse our website www.insurio.co.uk at your convenience and do not have to provide any personal information/data, however I would like to refer you to 'Cookies' paragraph set out within this privacy policy).
  2. The information/data that we would normally collect from you is as follows:
    1. Name
    2. Residential address
    3. Residential status
    4. Date of birth
    5. National insurance number
    6. Email address (if applicable)
    7. Telephone number (home, mobile, work)
    8. Income details
    9. Details of bank account
    10. What you do on our website; the results of this will be used to show Insurio examples of which parts of our website are most and least used (please refer to 'Cookies' paragraph).

However if you register with us, have a question about our services or alternatively choose to send an email to enquiries@insurio.co.uk. We may also collect the above personal information/data in this instance in order for us to respond to your enquiry. We may also receive personal information/data from 3rd parties, which enables us to offer Identified potential customers products and services who have expressed interest in our products and services. Any information/data obtained from 3rd parties is checked in regards to accuracy and we will endeavour to check your information with you on occasion.

Ensuring your personal details & or preferences are kept up to date

It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so we can ensure it is corrected. If you require your preferences to be updated then please contact our Compliance Manager as soon as possible (details set out below within 'Contact' paragraph).

How we use your Personal Information

  1. Information that is collected by us Insurio may be used by us in the following ways and will be recorded electronically:
    1. Verify customers identity and credit standing and to enable us to consider and process your application for a loan or other products or services.
    2. Assess your credit history and confirm your employment details. Collect unpaid loans and debt that may be owed by you to us.
    3. Extract certain information for the purpose of generating statistics for our own internal purposes (including credit and/or behaviour scoring, and market and product analysis).
    4. Detect, prevent and investigate actual and potential fraud and related activities.
    5. Develop, manage and market products and services to meet our customer's needs and to contact customers for products and services that may be of interest, to determine your eligibility for different products and services that our customers may be interested in.
    6. Contact you in connection with your enquiry.
    7. Update this website to better meet our client's needs in the future.
    8. Help Insurio to carry out admin and service your account.
  2. As some of our affiliates who form part of our group are based outside of the UK then we may use your information outside the UK. If we do use your information outside the UK then we have established levels of protection to ensure that your information is safeguarded.

Do we share your information with third parties

Yes we may share your information with affiliates and partners, who may process the personal information/data you have provided to us, however this will only be for the purpose that this privacy policy specifies. In addition to the above we may also on occasion share your information/data with other parties who are not within our group; if we do we will seek your approval first. If your information is shared with a third parties, we will instruct and state restrictions which will protect your information. If we do share your information with parties outside of our group this may be for the following reasons:

  1. To assist in finding you a loan, as we are a finance broker. As our services are often provided in conjunction with other partners. To assist you in finding a product/service we would need to provide these partners with your information in order for us to help you.
  2. Our staff and agents will require your information in order to carry out a service for you on behalf of us.
  3. If you wish to be provided with details of special offers and promotions, we outline this in the section called 'How we keep you informed'.
  4. In order to protect our business along with our group of affiliated companies and possible others. Your information may be shared with third parties when we believe it is necessary to comply with the law or protect our rights or another person's rights, property, or in fact safety. We may need to exchange information with third parties i.e. law enforcement agencies, regulatory bodies other lenders, if this is the case it will protect us against fraud and also reduce any risks exposed to.
  5. If the occasion arises whereby our company changes ownership or assets, then the new proprietors will need access to your information in order to continue with operations and to run the company effectively. This would cover shareholders and other companies where the agreement of transfer has been established.

Confidentiality & security

Insurio recognises the importance of keeping personal information/data from a confidentiality and security aspect; due to this we have introduced specialised rules, measures, introduced specialist technology and implemented security policies to ensure that your information is protected. Whilst we make every attempt to protect your information there are still risks involved when inputting your information online and we need to make you aware of this. We would also confirm that any and all such third-parties that we share you data with are bound by contract to maintain the security and integrity of your Personally Identifiable Information. As such we would only request further sensitive information online in certain circumstances so please refrain from inputting sensitive information unless we state otherwise to do so. Please be advised that, although Insurio takes all reasonable precautions to protect your data, no data storage or data transmission security is guaranteed. Accordingly, Insurio cannot, and does not, represent, warrant, or guarantee the complete security of any data storage or data transmission. You agree that your access to and use of this Site and your use of Insurio` services - which necessarily includes data storage and data transmission - are done at your own risk.

Can you access the information we hold about you

Yes under certain circumstances you will be able to access the records we hold about you, if you request this information then we ask that you submit your request in writing to us along with a fee for £10. If you require information from separate affiliates within our group then you will be required to request each in writing and pay separate fees for each request.

How long do we keep your information for

The amount of time we hold your information depends on the basis it was provided by you to us, please see the following examples:

  1. If you request that we do not contact you for advertising and marketing reasons, then we still may need to keep your information as this would reflect your preferences.
  2. Information is also kept relating to any transactions you may enter via our website, this information will be kept for a minimum of 6 years which will commence at the end of the relationship. We are required to do so to ensure that if any disputes or complaints are raised then we have your information to enable us to address the complaints or disputes. Your information will be kept however purely for business needs.
  3. In order to provide you with a service we will be required to keep your information whilst we continue to provide you with a service for however long this may take us.
  4. Another reason for us to keep information about you is for legitimate business needs where relevant so we can comply with what the law states.

Usage of links to other sites

We may provide links to other websites via our website, if we do so then we cannot be held responsible for the other sites privacy policy as they will hold their own specific to them, this also applies to site content, practices they carry out and the services and products they may offer, all of which we cannot take any liability for.

Processing of sensitive information

Should we be required to process your sensitive information, then we will notify you and seek your agreement prior to us doing so. Sensitive information about our customers under the Data Protection Act 1998 includes the following:

  1. Health conditions
  2. Racial or ethnic origin
  3. Political opinion or trade union membership
  4. Sexual orientation
  5. Philosophical beliefs
  6. Religious beliefs
  7. Suspected or proven criminal activity (which includes proceedings)

Cookies

  1. Usage Insurio uses cookies to assist us analyse the traffic on our site and customer behaviour. Cookies may also be used by our partners to understand marketing and traffic patterns. Whilst visiting our website cookies with any pages that you choose to view will be downloaded onto your computer. Cookies are a good way of helping us by being used as a measuring tool to assess our visitors and their own profiles, this will then enable us to offer our customers a better service. Although we use cookies as above we would not store anything that would make the customer identifiable i.e. passwords or locations, activity relating to finances and also their preferences. We also use customer information in order assist us to see how effective our website is and also to highlight any improvements we may need to make. This information may in turn be passed to other businesses (third parties) purely for advertising reasons. Please be assured again that this information will not include personal information that can make customers identifiable. Most web browsers will automatically accept cookies however normally you can change your browser settings which will prevent automatic acceptance. Please be aware that If you do not accept cookies, Insurio cannot guarantee that our website will perform as well.
  2. How to find & control your cookies, see as follows:

    1. Internet Explorer 6.0 or 7.0 Choose tools Internet Options Click the privacy tab Click on the 'Advanced' button Check the 'Override automatic cookie handing' box and select Accept, Block or Prompt for action appropriate.
    2. Mozilla Firefox Choose tools Options Privacy Cookies Set your options as require
    3. Safari Choose Safari Preferences Security Select options by accept Cookies as required
    4. Opera 8+ Choose Tools Preferences Advanced Select Cookies Select your settings using the available options

  3. How do you know which of the sites you've visited use cookies, see as follows:

    1. Internet Explorer Choose tools Internet Options Click the General tab Click Settings View Files
    2. Mozilla Firefox Choose tools Options Privacy Cookies Click the Show Cookies button
    3. Safari Choose Safari Preferences Security Click Show Cookies button
    4. Opera 8+ Choose tools Advanced Click Cookies

  4. How to see your cookie code, simply click on a cookie to open and view it. There will be displayed a string of numbers and text. The numbers will represent your identification card, be assured that this can only be seen by the server that allocated you the cookie.
  5. Additional cookies information - The Interactive Advertising Bureau is an industry body that has produced a series of web pages which explain how cookies work and how they can be managed.

Contact about this privacy policy

If you have any queries or questions relating to our privacy policy then please send an email to our Compliance Manager at following address: enquiries@insurio.co.uk Alternatively you can write to: Compliance Manager Insurio, Oxford House, Oxford Road, Macclesfield, Cheshire, SK11 8HS. Insurio would like to thank you for taking the time to read our privacy policy.