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Privacy Policy

Privacy Policy

1. Introduction

Getting protected should be a straightforward and pleasant process, and we want to make sure we protect your privacy along the way. So do take a few minutes to read this privacy and data policy; it explains what we do with your data, how we collect and use your browsing information and how we may use it for future marketing purposes. In a safe, secure and compliant way.

2. About UPIC Financial Services

UPIC Financial Services Limited are authorised and regulated by the Financial Conduct Authority. In respect of your data, UPIC Financial Services Limited is the data controller and responsible for the personal information it holds about you for sales, administration of policies and for any marketing purposes.
We take the privacy and security of your personal information seriously, so you can rest assured that your information will be properly managed and protected by us. Please read this notice carefully as it explains how UPIC Financial Services Limited and/or carefully selected third parties we work with collect and use your personal information.

You can ask for further information about the use of your personal information or if you need to raise a complaint, by contacting the Data Protection Officer with the details below.

Data Protection Officer
UPIC Financial Services Limited
19 Chapel Street
Liverpool
L3 9AG

Email: Help@iamfinancialservices.co.uk

3. How we use your information

Any information supplied to UPIC Financial Services Limited is used to provide advice and/or recommendations for protection insurance products such as Life Insurance or Income Protection. The protection policies provided are administered by UPIC Financial Services Limited, and we will be handling the personal information you provide.
This includes any sensitive personal data such as health information which you provide as part of the application process.

UPIC Financial Services Limited may use personal information for the following purposes:

  • Provide you with a quotation and a recommendation based on your needs;
  • Apply for and set up your plan;
  • Administer your plan;
  • Review your cover;
  • For the prevention, detection and investigation of financial crime, including fraud;
  • To verify your identity, in accordance with the money laundering regulations;
  • Statistical and analytical research;
  • Where necessary, to comply with legal and regulatory obligations.

We may also use your personal information for marketing purposes, but only if you have provided the relevant consent and you would still hold the right to opt out at any time. See section 5 for more information on that.

We will use your information for the purposes listed above. For any other purpose, where appropriate and required, we’ll contact you to ask for your permission.

4. Who we may share your information with

We may share your information with third party insurers for the purposes of arranging your cover.

We may share your information with our third party insurers and business partners in order to obtain the quotes you have requested, to arrange any insurance product on your behalf and as otherwise required in order to fulfil our contract with you.

Your personal information may be used for the purpose of advertising services provided by advertising service provider’s organisations such as Google & Facebook.

We may share data with them to carry out this activity. We carry out these activities to help us understand customer behaviour, advertise and improve our services for you now and in the future.

We will not sell your data to third parties for them to market to you.

Your personal information may also be disclosed to any competent law enforcement body, regulatory, government agency, court or other third-party where we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person.

We may also share your data with our agents and advisors and with any other corporate entity in our group, including entities that we may acquire or that may acquire us in the future, provided that we inform them that they must use your personal information only for the purposes disclosed in this Privacy Notice.

We may also share your information with any other person if you have consented to the disclosure.

5. Controlling your marketing preferences

When you submit details for a protection insurance quotation through our website, through 3rd parties or other websites affiliated with UPIC Financial Services Limited, you will be asked on the initial call if you’d like to opt-in or opt-out of receiving future marketing communications from UPIC Financial Services Limited and any of our carefully selected partners. This is recorded and flagged on our customer database.
We will only send marketing communications to you via the preferences you’ve chosen and regularly make the appropriate checks to ensure that we abide by those rules and only send communications to those who’ve requested as such.

Methods of communication for marketing will typically be (but not limited to); phone, email, text message, post.

During your protection insurance journey, UPIC Financial Services Limited reserves the right to use any of the above communication methods to get in contact and service your enquiry, even to those who’ve opted out of marketing communications – for as long as is deemed appropriate, but not longer than 60 days.

You can opt out of receiving marketing communications at any time by contacting Help@iamfinancialservices.co.uk

6. Information provided on another person

If you are submitting personal information about another person, then you confirm that you have their consent to provide such information and for their information to be used as set out in this notice, and that you have provided a copy of this notice to that other person.

7. Cookies and other uses of your online browsing data

When you visit one of our websites, we may collect information from you such as, your email address, IP address and other online identifiers. This helps us to track unique visits and monitor patterns of website traffic, such as who visits and why they visit.

We may use cookies and/or pixel tags on some pages of our website. A cookie is a small text file sent to your computer. A pixel tag is an invisible tag placed on certain pages of our website but not on your computer. Pixel tags usually work together with cookies to assist us to provide you with a more tailored service. This allows us to monitor and improve our email communications and website.

The cookies and pixel tags information is then channelled through various 3rd party web applications. Examples of the software UPIC Financial Services Limited use are;

Google Analytics; to help us monitor website traffic and view page-by-page behaviour. It also allows us to understand which browser type, or operating system visitors are using as well as which referring sites traffic has come from.

We may choose to send carefully planned automated marketing emails or text messages, based on the insights learnt from your previous website browsing behaviour.

You can opt out of marketing emails & text messages at any time by contacting us at help@iamfinancialservices.co.uk

We may choose to follow up with ‘remarketing’ activity; banner and text adverts placed automatically on 3rd party websites and on social media. These are controlled through services such as Google AdWords,

You have the right to disable cookies on your browser and install 3rd party plug-ins to prevent behavioural ad targeting.

At any stage, you can always contact us at help@iamfinancialservices.co.uk for any more information or help.

8. Transfer of personal information to other countries

Your personal information may be processed in countries outside of the European Union (EU).  Where we transfer your personal data to countries that are outside of the EU we will ensure that the transfer is carried out in a compliant manner and appropriate safeguards are in place and in accordance with the relevant data protection requirements.

9. Retaining your personal information

We will retain and process your personal information for as long as necessary to meet the purposes outlined in this notice provided to you.

10. Your rights

You have the right to request access to your personal information, to have it corrected, erased, apply restriction and/or object to processing. If we are processing your personal information with your consent, you have the right to withdraw your consent at any time. This may mean however, that UPIC Financial Services Limited may not be able to provide you with the goods and services you requested.

For the purpose of providing you with a contract of insurance, your personal information may be processed by means of automated decision making and profiling by the insurance companies that we place you with.

You also have the right to request a copy of the personal information UPIC Financial Services Limited holds about you.

If you have provided your consent to receive marketing information, you have the right to opt-out at any time.

To make any of these requests, please contact the Data Protection Officer using the contact details above.

Making a complaint:If we get something wrong, or you’re not happy with our services, we always welcome the chance to help and rectify it. You can contact the Data Protection Officer using the contact details provided above or email Help@iamfinancialservices.co.uk

You can also lodge a complaint with the Information Commissioners Office by contacting them at:

Information Commissioners Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
0303 123 1113 (local rate) or 01625 545 745 (national rate)

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