Privacy Policy

This privacy policy sets out how the LIB (UK) Ltd trading as Life Insurance Bureau  use and protect any information that you give us when you use this website. The Life Insurance Bureau are committed to ensuring that your privacy is protected. Therefore we will only use the information that we collect about you lawfully in accordance with the Data Protection Act 1998. We may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes.

What We Collect
We will collect the following information:

  • Your name and date of birth
  • Your email address and telephone number
  • Your postcode
  • Your smoking history

Information Sharing and Disclosure
If you have completed an application your information will be passed to insurance providers who may be willing provide you with cover.
They may use the information you have provided to:

  • Process the application you have made.
  • To write to you in the future with a view to offering you products we feel may be of interest to you.
  • To pass to third parties who provide relevant products and services that we think might be of interest to you so that they can also provide you with information about the products and services they provide.
  • To permit access to regulatory bodies to ensure that we are processing information correctly and complying with regulatory requirements.

Security
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

Cookies
We may also collect information about your computer, including where available your IP address, operating system and browser type using a cookie file which is stored in the hard drive of your computer. Cookies help us to improve our website and deliver a better and more personalised service to you. They enable us to:

  • Personalise your experience on our website, speed up your searches and help us select services or materials for inclusion on the website which may be of interest to you.
  • Monitor general traffic patterns and usage of our Website to help us to improve our Website design and layout.

Most browsers accept cookies automatically, but usually you can alter the settings of your browser to prevent automatic acceptance. If you choose not to receive cookies, you may not be able to use certain features of our Website.

Links To Other Websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling Your Personal Information
You may request details of personal information which we hold about you under the Data Protection Act 1998. If you would like a copy of the information held on you or if you do not wish to receive on-going contact from us or our associates please contact us.

The information we collect
We may collect personal information about you which you give to us when you use our Services, for example, in order to obtain a quote for life insurance. The provision of the Services to you may also require us to store details of your transactions, together with details of your financial information. We will periodically review your personal information to ensure that we do not keep it for longer than is necessary.

Purposes for which we use information about you
We may use your personal information for the following purposes:

  • to enable you to access and use the Services; and/or
  • to personalise aspects of our overall service to you; and/or
  • to communicate with you; and/or
  • to process a transaction between you and a third party

Passing on information about you
Please be aware that once you use our Services, you will be regarded as having given your consent to us disclosing your personal information to the following parties:

  • third party providers whose products or services are listed on the results pages of the channels on our website, for the purposes of obtaining an online quotation for you or comparing different products and services as requested by you;
  • The Financial Services Authority and/or other regulatory/governing bodies for the purposes of compliance monitoring;
  • other third parties either where necessary for those third parties to provide additional products or services requested by you or with your prior consent.

Informing you of offers and services which may be of interest
We would like to keep you updated by phone, e-mail or text of other products and services which we feel you may benefit from. For example, we may e-mail you letting you know how you could save money by switching product and services. Wherever we capture your data you will be asked to confirm your acceptance of us using your data for these purposes. By providing your information when you use our site, you consent to us disclosing your personal information to the following parties:

  • other companies in the Life Bureau group of companies; and
  • our trusted business partners, whose products and services may save you money.

You can ask us to stop passing your information to third parties for marketing purposes at any time, which we will do. Such a request may result in us ceasing to offer the Services to you.
We may disclose information about you in connection with legal proceedings or potential legal proceedings or if otherwise permitted to do so by law.

Electronic Communications
When you agree to receive any electronic communications from us, you also agree to receive additional communications on products and services which we believe you may be interested in. Any electronic communications we send you will include clear and concise instructions to follow should you wish to unsubscribe at any time.

Third party providers and data privacy
If you decide to enter into a contract with a third party provider through a channel on our website, the information you have provided to us together with any further information requested by, and supplied by you to, the third party provider will be held by the provider for the purposes set out in that provider’s privacy policy. Therefore, you are strongly advised to read your chosen provider’s privacy policy and satisfy yourself as to the purposes for which the provider will use your personal information before entering into the contract. We have no responsibility for the uses to which a provider puts your personal information once you have contracted with that provider.

Are you prepared for the future?