Who we are
You are giving your information to The Life Department. In this Information statement ‘we’ ‘us’ and ‘our’ refers to The Life Department unless otherwise stated. You can contact us here.
Your Electronic Information
If you contact us electronically, we may collect your electronic identifier e.g. Internet Protocol (IP) address or telephone number supplied by your service provider.
How we use your information
and who we share it with…
We will use your information to manage your insurance policy, including underwriting and claims handling. This may include disclosing it to insurers, third party underwriters and reinsurers.
Your information comprises of all the details we hold about you and your transactions and includes information obtained from third parties.
We may use and share your information with our product providers to help us and them:
- assess financial and insurance risks;
- recover debt;
- prevent and detect crime;
- develop our services, systems and relationships with you;
- understand our customers’ requirements;
- develop and test products and services.
We do not disclose your information to anyone outside our product providers except:
- Where we have your permission; or
- where we are required or permitted to do so by law; or
- to credit reference and fraud prevention agencies and other companies that provide a service to us or you; or
- where we may transfer rights and obligations under this agreement.
We may transfer your information to other countries on the basis that anyone to whom we pass it provides an adequate level of protection. However, such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations.
From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object to the change within 60 days, you consent to that change.
Some of the personal information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to provide the services described
in your policy documents.
You will have been asked to agree to this when you first contacted us but please ensure that you only provide us with sensitive information about other people with their agreement.
Dealing with other people
It is our policy to deal with your spouse or partner who calls us on your behalf, provided they are named on the policy. If you would like someone else to deal with your policy on your behalf on a regular basis please let us know. In some exceptional cases we may
also deal with other people who call on your behalf, with your consent. If at any time you would prefer us to deal only with you, please let us know.
Credit Reference Agencies
To assess your insurance application and the terms on which cover may be offered, we may obtain information about you from credit reference agencies to check your credit status and identity. The agencies will record our enquiries. This will not affect your credit
Fraud Prevention and Detection
Please take time to read the following as it contains important information relating to the details you have given or should give to us. You should show this notice to anyone whose data has been supplied to us in connection with your policy.
To prevent and detect fraud we may at any time:
Share information with other organisations and public bodies including the police although we only do so in compliance with the Data Protection Act 1998
Check and/or file details with fraud prevention agencies and databases and if we are given false or inaccurate information and we identify fraud, we will record this. We and other
organisations may also use and search these agencies and databases from the UK and other countries to:
- help make decisions about the provision and administration of insurance, credit and related services for you and members of your household:
- trace debtors or beneficiaries, recover debt, prevent fraud, and to manage your
accounts or insurance policies; or
- check your identity to prevent money laundering, unless you provide us with other satisfactory proof of identity
Law enforcement agencies may access and use this information.
We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:
- Checking applications for, and managing credit and other facilities and recovering debt;
- Checking insurance proposals and claims;
- Checking details of job applicants and employees.
We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.
We can provide the names and addresses of the agencies we use if you would like a copy of your information held by them. Please contact us. The agencies may charge a fee.