Last updated: February 2023
Protecting your personal information is extremely important to us. It's especially important for a company like ours, as our customers trust us to look after a huge amount of sensitive information on everything from their date of birth to their medical history.
The way we collect, use, store and share your information is important. Our customers expect us to manage their information privately and securely. If we don't, they'll lose their trust in us.
This policy tells you how we collect and process your personal information. Please take a few minutes to read it, and show it to anyone else connected to your product whose information you are sharing with us (including, but not limited to, trustees and beneficiaries). This policy may be subject to future change.
Unfortunately, sending information via email is not completely secure; anything you send is done so at your own risk. Once received, we will secure your information in accordance with our security procedures and controls.
Investment Discounts On Line Limited is part of the Legal & General Group and is the registered data controller of your personal data for the purposes of the Data Protection Act. Trading names of Investment Discounts On Line Limited also known as theidol.com include comparecover.com, protectmypeople.com and annuityready.com.
This privacy policy relates to retail customers and / or any individual consumers of goods / or services including users of application-based technology and those who obtain quotes, utilise our service, purchase provider products, enter into agreements via our services including individuals covered under their employer sponsored schemes, from one of the product providers hosted by us and/or individuals that we may otherwise interact with in the course of our business.
When we talk about personal information we mean information about an individual that can identify them, like their name, address, email address, IP address, telephone number and financial details. It can relate to customers (including prospective customers), their appointed representatives (e.g. power of attorney), employees, shareholders, business contacts and suppliers. Any reference to 'information' or 'data' in this policy is a reference to personal information about a living individual.
We may collect and process the following personal information about you:
Type of data |
Description |
Examples of how we use it |
Contact |
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Personal Details |
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Vulnerability details |
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Transactional |
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Consent and preferences |
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Technical |
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Open data and public records |
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Documentary data and national identifiers |
Details about you that are stored in documents like:
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Location data |
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We use personal information that we hold about you:
When you request a quotation for a product or to receive a service from us, the online form (or in some instances the application form) you fill out or the resulting contract may contain additional conditions relating to the way we use and process your personal information. These will apply in addition to the uses described in this document.
Whilst Investment Discounts On Line Limited remain the data controller in relation to the information you provide to us, the product and service providers (such as those insurance companies we request quotes from) will also act as data controllers in relation to the information we pass to them. Requesting a quotation will be taken as acceptance for your data to be passed to our panel of insurance and annuity providers.
Each product and service provider has their own privacy policy and terms and conditions available on their website which will apply to their treatment of the data.
In some cases, we may use software or systems to make automated decisions (including profiling) based on the personal information we hold or collect from others. These may include:
Data protection laws require us to meet certain conditions before we're allowed to use your personal information in the way we describe in this privacy policy. We take these responsibilities extremely seriously. To use your personal information, we'll rely on the following conditions, depending on the activities we're carrying out:
This requires us to carry out an assessment of our interests in using your personal data against the interests you have as a citizen and the rights you have under data protection laws.
The outcome of this assessment will determine whether we can use your personal data in the ways described in this privacy policy (except in relation to marketing, where we'll always rely on your consent). We'll always act reasonably and give full and proper consideration to your interests in carrying out this assessment.
Consent: We may provide you with marketing information about our services or products where you've provided your consent for us to do so.
You may opt out of marketing at any time by visiting our Unsubscribe service, emailing customerservices@theidol.com or by telephoning our customer service team on 0800 915 7885.
Please be aware that the personal information you provide to us, and which we collect about you, is required for us to be able to provide our services to you and without it we may not be able to do so.
We'll keep your personal information in accordance with our internal retention policies. We'll determine the length of time we keep it for based on the minimum retention periods required by law or regulation. We'll only keep your personal information after this period if there's a legitimate and provable business reason to do so.
For annuity products, we may retain your personal information indefinitely using the legitimate interests condition in order to support future enquires from you, your family or our regulators.
Occasionally, it may be impossible to delete data, due to technical limitations. In these case, we will take steps to put the data beyond use. This means that your data will not be access or shared and your rights and freedoms will not be affected.
We'll only disclose your information to:
Additionally, we may disclose your personal information to third parties:
Additionally, your information, including special category and criminal conviction data, may be disclosed to any other insurance company to whom you apply for products or services.
As well as sharing your information with insurance or annuity providers, if you've been introduced to us by another company (such as an aggregator and price comparison website, your employer or their financial adviser) we may share your information with them, to enable them to:
The personal information Investment Discounts On Line Limited collect from you may be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.
We may also share information about you with other organisations and public bodies, including the police and we may check and/or file your details with fraud prevention agencies and databases. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies can be found by accessing this link:
Investment Discounts On Line Limited and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
Investment Discounts On Line Limited and other organisations may access and use from other countries the information recorded by fraud prevention agencies. Please contact us if you wish to receive the relevant details of the fraud prevention agencies by emailing customerservices@theidol.com.
Investment Discounts On Line Limited or your selected provider may also check the details of other parties related to your contract, including verification of identity. This includes beneficiaries, trustees, settlors, third party premium payers, executors or administrators of your estate, parties with power of attorney and any other beneficial owner.
The data that we collect from you may be transferred to, and stored at, a destination outside the UK to to third-party suppliers, delegates or agents. We'll take all reasonably necessary steps to make sure that your data is treated securely and in accordance with this privacy policy to ensure your personal information is handled with the same protections that we apply ourselves.
We'll only transfer your data to a recipient outside the EEA where we're permitted to do so by law (for instance, (A) where the transfer is based on standard data protection clauses adopted or approved by the UK's Information Commission's Office, (B) where the transfer is to a territory that is deemed adequate by the UK, or (C) where the recipient is subject to an approved certification mechanism and the personal information is subject to appropriate safeguards, etc.).
You have rights under data protection law that relate to the way we process your personal data. More information on these rights can be found on the Information Commissioner's website. If you wish to exercise any these rights, please get in touch with our customer services team by emailing customerservices@theidol.com or by telephoning our customer service team on 0800 915 7885.
Your Rights |
1. The right to access the personal data that we hold about you. |
2. The right to make us correct any inaccurate personal data we hold about you. |
3. The right to make us erase any personal data we hold about you. This right will only apply where for example:
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4. The right to restrict our processing of the personal data we hold about you. This right will only apply where for example:
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5. The right to object to our processing of personal data we hold about you (including for the purposes of sending marketing materials to you or using your personal information for profiling purposes). |
6. The right to receive personal data, which you have provided to us, in a structured, commonly used and machine-readable format. You also have the right to make us transfer this personal data to another organisation. |
7. The right to withdraw your consent, where we're relying on it to use your personal data (for example, to provide you with marketing about our services or products). |
8. For automated decisions (including profiling), you have the right to:
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If you have any questions about this privacy policy or wish to exercise any of your rights, including changing your marketing preferences, please get in touch with our Customer Services team.
If you have any concerns about the way we process your personal data, or are not happy with the way we've handled a request by you in relation to your rights, you also have the right to make a complaint to the Information Commissioner's Office. Their address is:
First Contact Team
Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
SK9 5AF
If you'd like to exercise your right to access any personal information that we hold about you, write to: theidol.com, The Edge, Eden Business Park, Penrith, Cumbria CA11 9FB
You can also contact our Data Protection Manager directly with any questions or issues relating to the way we process your personal information:
Name: Mary Davis
Email address: datacontroller@theidol.com
Address: The Edge, Eden Business Park, Penrith, Cumbria, CA11 9FB
If you are not satisfied with the way we deal with your enquiry you can escalate your request to:
Group Protection Officer
Email address: Data.Protection@landg.com
Address: 1 Coleman Street, London, EC2R 5AA
This list details the product and service providers to whom we disclose your information.
Life
Legal & General, Zurich, VitalityLife, AIG, Beagle Street, LV=
Pet
Purely Pets, Pet Protect, Healthy Pets, Vetsmedicover, Pet-Insurance, John Lewis, 4Paws Pet Insurance, Puffin, The Insurance Emporium, Everypaw, Sainsburys Bank, Argos HIS, Lifetime Pet Cover, Waggel, Perfect Pet, Asda Money, Only Paws, Spot On, AnimalFriends, Napo, Scratch and Patch, Coop, PDSA CP, Many Pets, Now Pet, Post Office, LV, Petsure, Marks and Spencer
ProtectMyPeople
Aviva, Canada Life, Legal & General, Unum, Zurich, AIG
AnnuityReady
Aviva, Canada Life, Just Retirement, Scottish Widows, Legal & General, Standard Life (Phoenix Group)
Servicing
Loqate, Reviews.co.uk
Travel
CoverForYou, Admiral, Cedar Tree, RAC, Sainsburys Bank, Puffin, Outbacker, ERGO, Insurefor, Big Blue, Coverwise, Southdowns, Insure With Ease, Your Travel Cover, Good To Go, Holiday Extras, esure, Tesco, Insurefor Med, Virgin Money HG, TravelInsurance4Medical, Select and Protect, Tesco Med, Fit2Travel, AnnualTravelInsurance, GreatCover.com, multitrip.com, Explorer, TheAA, Insure and Escape, loveit coverit, Direct Travel, AllSafe, TravelTime, Travel Insurance Saver, Insurance Republic, TripSure, Holiday Risk