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Privacy policy

Confused.com takes data protection seriously

Confused.com takes data protection seriously

Confused.com is a trading name of Inspop.com Limited, registered in England and Wales (Registration number 03857130), with the registered address at:  Greyfriars House, Greyfriars Road, Cardiff CF10 3AL. In this Privacy Policy "we", "us" and "our" means Inspop.com Limited. Inspop.com Limited complies with and is registered under the data protection laws in the United Kingdom and takes all reasonable care to prevent any unauthorised access to your personal data.

We respect the privacy of every individual who visits our site and have developed this policy because we want you to feel confident about the privacy and security of your personal information.

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 includes your password, which is why you should never reveal it to anyone.

By using our website and price comparison services you are giving us permission to use your data as set out in this Privacy Policy. If you do not agree to this Privacy Policy, please refrain from using our website.

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, such as the Confused.com MotorMate app.  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 use your data to review and analyse market trends and to track sales data, including but not limited to data provided as part of your quotation, information on how you use our website, pages you have viewed and which website you used previously to visit ours. We may also pass this data to third parties for analytical purposes. Where you have come to our website by clicking on a price comparison service button on another site, we will supply information about the quotations you have obtained and any policies you obtain to that site. Unless you tell them otherwise, they may contact you by post, telephone, email or SMS to promote their products and services. If you do not wish to be contacted in this way, you need to let them know by clicking on the ‘unsubscribe’ button on their website.

Certain insurance providers may compare your information against data they, or the company behind the brand they represent or their group of companies, already hold on you from existing products, and share this with the underwriters for the purpose of analysing market trends or 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 and Conditions.

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
  • 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

Confused.com 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 in a number of ways, including:

  • Manage your settings via ‘My Account’ on the Confused.com website;
  • Click on the ‘unsubscribe’ link provided on each email we send to you;
  • Email communications@confused.com; or
  • Use the ‘Contact Us’ form on the Confused.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.

Renewal Quotes

If you are subscribed to our renewal reminder service, our systems may re-submit your quote details when your renewal is due (this will be based on the cover start date you entered for your last quote). The quote data will be sent to our panel of insurance providers to calculate and return their quotes, and some providers may carry out soft credit checks as part of this process. For more information about this, please see below (‘Credit and other searches’). The best quotes returned will be sent to you by email or SMS. If you would like to opt out of this service, please go to the ‘Information about our services’ section above for details on how to unsubscribe.

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 providers may run soft credit checks as part of their usual quotation process. The searches will be visible on your credit file as checks made for quotation quotations purposes, so you can see which companies made enquiries. They will not affect your chances of obtaining credit in the future, as they are not classed the same as a financial credit check. This has been confirmed by leading credit reference agencies Experian and Equifax.

Applications 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 Confused.com, nor are they conducted by Confused.com, but may be processed by any provider at any stage of a quote or purchase process.

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 communications@confused.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.

Help with your quotation

Many of our customers have told us that they appreciate extra information about their insurance policy from the provider who has returned the cheapest prices. For this reason by agreeing to the conditions laid out in this Privacy Policy you agree that your details may be used by "us", the insurance/financial services provider or, where they are involved, their appointed representatives, or an intermediary, who provided you with the two cheapest quotes only, to contact you with a view to seeing if you are interested in purchase, highlighting any special offers or ways they might be able to help you get an even cheaper price with them. They are entitled to help you only about this particular quotation and only for a limited period of time after which they are obliged to consider your details as "off limits" i.e. opted out under the terminology of the Data Protection Act 1998. As mentioned above, it is possible that they may use an overseas call centre to do so. If you are unhappy with this condition of use then please tick the box when asked within our quote process

When using the insurance or other services offered through our site, it is necessary for us to pass your information to the 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. 

Your rights to your personal data

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 1998 (DPA), for the personal information we hold about you, please write to us at:

Data Protection Officer
Confused.com, 
Greyfriars House, 
Greyfriars Road, 
Cardiff 
CF10 3AL

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 Inspop.com Limited. We are entitled to charge you this fee under the DPA to cover our administration costs.

Inspop.com Limited is a data controller under the DPA 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 privacy policy or practices, please write to the Data Protection Officer at the above address.

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 Confused.com, Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL or email us at dataprotection@confused.com. We will make all reasonable efforts to delete your information from our files if it is deemed appropriate.

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:

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 Confused.com 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.

When you take out a motor insurance policy, including motorbike and van cover, your insurance cover details may also be added to the Motor Insurance Database, run by the Motor Insurers' Information Centre (MIIC). This has been set up to help identify uninsured drivers and may be searched by the Police to assist them in confirming who is insured to drive. If there is an accident the database may be used by insurers, MIIC and the Motor Insurers' Bureau as well as persons making a claim for a road traffic accident, to identify the relevant policy information.

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

Cookies

At Confused.com 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 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: 24/10/14





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