Regulation
Our Regulatory Statement.
Essential-Life-Insurance.co.uk is a trading name of Allied Financial Services Ltd, who are authorised and regulated by the Financial Services Authority. The Firms Registration Number is 458009.
When you submit your details through this website for any insurance policy, your information will be given to Allied Financial Services Ltd.
Our Privacy Policy
The UK is one of the most highly regulated financial centres in the world. This is to safeguard the interests of consumers and other persons purchasing and being advised about investments, insurance and other financial products and in use of their personal data. Against this backdrop, we are required to make certain regulatory and statutory declarations to you.
We may make checks with credit rating agencies to authenticate and verify your identity and credit status. We also make checks with Institutions with whom you have policies of insurance and investments and with your mortgage provider. These checks are to help us with our obligations at law and generally to ensure that we provide you with advice that suits your circumstances. The scope and extent of the gathering of information from third parties depends on what type of service you are taking from us.
What information we collect and how?
The information that we collect via this website may include:-
- Any personal details that you type in and submit such as your name, address, e-mail address, date of birth, lifestyle and other information.
- Data that allows us to remember you, any interests that you have recorded and how you use this website. This saves you from re-keying information when you return to the site and allows us to arrange our website content to match your preferred interests. We use “cookies” to collect this data. Cookies are text-only strings of information that are stored on your web browser or hard disk. You have the ability to accept or decline cookies by modifying the settings of your web browser. However, you may not be able to use all the interactive facilities of our site if cookies are disabled.
- Your IP address (this is your computer's individual identification number for internet connection) that is automatically logged by our web server. This is used to note your interest in our website.
- Your preferences and use of e-mail updates that are recorded by e-mails we send you (only if you have selected to receive e-mail updates on products and offers).
What we do with your information?
Your information may be used for the purposes of insurance administration by the insurer, its associated companies and agents, by reinsurers and your intermediary. It may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing the insurer's compliance with any regulatory rules/codes.
Your information may also be used for offering renewal, research and statistical purposes and crime prevention. It may be transferred to any country, including countries outside the European Economic Area for any of these purposes and for systems administration. Where this happens, we will ensure that anyone to whom we pass your information agrees to treat your information with the same level of protection as if we were dealing with it.
If you give us information about another person, in doing so you confirm that they have given you permission to provide it to us to be able to process their personal data (including any sensitive personal data) and also that you have told them who we are and what we will use their data for, as set out in this notice.
In the case of personal data, with limited exceptions, and on payment of the appropriate fee, you have the right to access and if necessary rectify information held about you.
Marketing
Allied Financial Services Limited and its agents may use your information to keep you informed by post, telephone, e-mail, text messaging or other electronic means, about insurance and financial products and services which may be of interest to you. Your information may also be disclosed and used for these purposes after your policy has lapsed.
By providing us with your contact details, you consent to being contacted for these purposes.
You can contact us at any time to have your details removed from lists used by us for direct marketing purposes.
Your Rights
You can ask us to update or remove your personal information by e-mail or by writing to us.
You also have the right to request a copy of all the personal information we hold about you. To do this, simply write to us at the following address enclosing a cheque for £10.00 payable to Allied Financial Services Limited to cover our administrative costs in dealing with your request:-
The Data Protection Team, Essential Life, 19 Upper Dicconson Street, Wigan, WN1 2AG.
We will take all reasonable steps to confirm your identity before providing you with details of any personal information we may hold about you.
If you have any queries please contact us