Who this policy applies to
This policy applies to personal information collected through the LifeNest Insurance website. LifeNest provides general information about life insurance and may introduce visitors to third-party insurance brokers or providers. LifeNest is not an insurer and does not issue insurance policies.
Where another organisation receives your information, it may act as a separate controller and will provide its own privacy information. You should read that information before submitting your details.
Information we collect
Depending on how you use the website, we may collect:
- information you enter into an enquiry or quote form, such as your age, preferred cover amount, cover term and smoking status;
- contact details you provide when asking to be contacted;
- the content of messages you send to us;
- technical information such as your IP address, browser, device, pages visited and approximate location; and
- cookie choices and information produced by essential, analytics or similar website technologies.
Please do not send medical information or other sensitive information directly to LifeNest unless the relevant form clearly asks for it and explains how it will be used.
How we use your information
We may use personal information to:
- operate, secure and improve the website;
- respond to questions and service requests;
- understand the type of insurance information or introduction you request;
- pass an enquiry to an identified broker or provider when you ask us to do so;
- measure website performance and understand how visitors use it;
- prevent fraud, misuse and security incidents; and
- meet legal and regulatory obligations.
We do not make underwriting decisions, decide whether insurance will be offered or set insurance premiums.
Our lawful bases
Under UK data-protection law, we rely on one or more of the following grounds:
- Consent, where you choose to receive marketing or allow optional cookies.
- Steps at your request, where you ask us to begin an enquiry or introduction.
- Legitimate interests, where necessary to operate, secure and improve the website, respond to you and understand our service, provided those interests are not overridden by your rights.
- Legal obligation, where we must keep or disclose information to comply with the law.
If sensitive information is ever collected, the form or partner privacy notice will explain the additional legal condition used.
International transfers and security
Some website suppliers may process information outside the United Kingdom. Where required, appropriate safeguards will be used, such as an approved data-transfer agreement or a finding that the destination provides adequate protection.
We use reasonable organisational and technical safeguards to protect information. No website or transmission method is completely secure, so we cannot guarantee absolute security.
How long we keep information
We keep personal information only for as long as reasonably needed for the purpose for which it was collected, including responding to an enquiry, maintaining security and records, resolving disputes and meeting legal requirements. We then delete or anonymise it. A broker or provider receiving an enquiry applies its own retention periods.
Your data-protection rights
Depending on the circumstances, you may ask for access to your information or ask us to correct, delete, restrict or transfer it. You may also object to certain uses and withdraw consent at any time. Withdrawing consent does not affect earlier lawful processing.
You may complain to the UK Information Commissioner’s Office at ico.org.uk/make-a-complaint. We would appreciate the opportunity to address your concern first.
Other websites
The website may link to other organisations. Their websites and handling of personal information are governed by their own policies, not this policy.
Contact us
To ask a privacy question or exercise a data-protection right, email hello@getlifenest.co.uk or use the LifeNest contact page. Please describe your request clearly. We may need to verify your identity before responding.
Changes to this policy
We may update this policy when our website, partners or legal obligations change. The latest version will appear on this page with a revised update date.