Privacy Policy

1. The intro to your data privacy

Protecting our families is a simple and satisfying process, and we understand that we need protect your data privacy as well. So do take your time to read this privacy and data policy; it details what we do with your information or data, how we gather it and use your browsing information and how we may or could use it for marketing purposes in the future if relevant. Obviously in a safe, secure and compliant way.

2. About Golden Rock Solutions Limited

Golden Rock Solutions Limited are an Appointed Representative of LifeSearch Partners Limited. Who are authorised and regulated by the Financial Conduct Authority. With respect of your data, Golden Rock Solutions Limited is the data controller and are responsible for the personal information it holds about you for administration, and sales of Insurance policies & protection and for any other marketing activities.

Privacy and security of your personal information is taken very seriously, so be assured that your information or data will be properly managed and securely protected by ourselves. Please read this data policy carefully as it explains how Golden Rock Solutions Limited and/or carefully selected third parties we work with gather and may use your personal information.

You can ask for additional information on the use of personal information or if you need to raise a grievance or complaint please contact us.

3. What personal information or data do Golden Rock Solutions Limited hold about you?

We may collect and process the following:

• Information about you – for example age, name, date of birth, gender, smoking status and nationality. We need this information to help us identify you, but also to allow us to contact you at the right time – such as when your policy needs to be reviewed or you are approaching the end of your policy term or if insurance companies change their stance on protection like smoking.
• Contact information – for example address, postcode, email, and mobile or additional telephone numbers
• Online information – for example cookies and IP address (your computer’s internet address), if you use our websites
• Existing protection information – for example details about your existing life insurance products and how they support you
• Health information such as medical related issues or smoker status which will be relevant to your protection(s)

4. How we use your information

Any information supplied to Golden Rock Solutions Limited is used to give advice and/or recommendations for protection insurance products such as Life Insurance, critical illness or Income Protection. The protection policies provided are administered by Golden Rock Solutions Limited, and we will be handling the personal information you provide.

This includes any of the sensitive personal data such as your health information which you provide as part of the application. Where a joint application is completed, Golden Rock Solutions Limited and your chosen insurer will sometimes send application updates to the contact information or data that you provide, this will include updates about both of the applicants. Where we have collected and gathered process health information, we may ask each applicant(s) or insured person(s) to authorise a healthcare provider(s) to supply relevant supporting information, including, where relevant, health information about their family or personal and recent history.

Golden Rock Solutions 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;
• Claims handling;
• 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.

5. Who we may share your information with

• LifeSearch Partners Limited and appointed representatives.
• Insurance companies, to provide you with the appropriate protection advice and cover. These include:
• Aegon, AIG, Aviva, Beagle Street, British Friendly Society, Canada Life, Guardian, Holloway, HSBC, Legal & General, LV=, One Family, Met-Life, Royal London, Scottish Widows, The Exeter, Vitality Life and Zurich.
• Other organisations in order to prevent, detect or investigate financial crime or fraud;
• Approved and appointed service providers, including those used to administer policies;
• Credit reference agencies;
• Relevant legal and regulatory authorities;
• Selected partners for the provision of incentives and rewards, such as vouchers, movies and meals, and other reward schemes;
• Listed below are other third parties that we carefully select, who we may share your personal information with when appropriate:
• Iress(the exchange quoting portal), Underwrite Me Ltd (quoting portal)

6. The legal grounds we rely on to process your information

The legal grounds on which we rely are:

• to fulfil our contractual obligations (for example in order to provide the products or services you have requested and to contact you if a problem arises with them);
• your consent
• to pursue our legitimate interests
• to fulfil a legal obligation

Legal interests
Golden Rock Solutions Limited may use and process some of your data or personal information where we have sensible and legitimate business grounds for doing so. Under UK & European privacy laws there is a concept of “legitimate interests” as a justification for processing your personal information. For example:

• To communicate with you about our services. We need to keep you informed about your use of our services for example sending you a confirmation email of your quotes or sending you reminders based on the information you have provided to us, such as when your insurance might need to be reviewed or updated.
• To personalise and improve our services for example, we may use your personal information to personalise aspects of our service
• For market research and analysis. This helps us to regularly review and improve the products and services we or our partners provide. Where possible data that we use/provide in this way will be in an anonymised format.

You have the right to object to our use of your personal information for these legitimate interests. If you raise an objection, we will stop processing your personal information unless very exceptional circumstances apply, in which case we will let you know why we are continuing to process your personal information.

7. Managing your marketing preferences

When you enter details for a protection insurance quotation through our website, through 3rd parties or other websites affiliated with Golden Rock Solutions Limited you will be asked if you’d like to opt-in or opt-out of receiving future marketing communications from Golden Rock Solutions Limited and any of our carefully nominated partners. This is recorded on our customer and prospect database.

Golden Rock Solutions Limited will only send marketing communications 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.

All ways of contact for marketing will typically be (but not limited to); phone, mobile, email, text message, post.

During your application and understanding of insurance, Golden Rock Solutions 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 or may opt out of receiving marketing communications at any point please contact info@protectinglife.co.uk.

8. Information provided on another person

When submitting personal information regarding another person, then you confirm that you have their consent to provide such information or data 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.

9. Cookies & 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.

• Google Analytics; is to advice us on our website traffic and give analysis on page-by-page behaviours. This also allows us to understand which browser type, or operating system visitors are using as well as which referring sites traffic has come from. Ultimately giving a better experience to our visitors and helping them get what they want quicker
• We have software which anonymously details site browsing conduct such as mouse clicks, session recordings and heat maps – which gives us the insight to spot trends in website use and enhance specific web page performance.
• We may want to send carefully planned automatic marketing emails or text messages, based on the insights identified from your previous website browsing behaviour via our in-house customer records management system, our website system, or via our email marketing platform. You can opt out of marketing emails & text messages at any time by contacting us. More information is available in section 5.
• We may choose to follow up with ‘remarketing’ activity; banner and text adverts placed automatically on 3rd party websites and on various social media platforms. These are controlled through services such as Google AdWords, or Facebook Business Manager.

You have the right to disable cookies on your own browser and you may install 3rd party plug-ins to prevent behavioural advertisement targeting. Links below are provided for your reference.

Internet industry body, the Internet Advertising Bureau, has compiled a website which details specific information and guidance on cookies and pixel tags https://www.iab.com/guidelines.

For more information on behavioural advertising and search history look at: http://www.youronlinechoices.com/uk/.

Another resource on how to delete & manage cookies: http://www.aboutcookies.org/

At anytime, you may always contact Golden Rock Solutions asking for more help or information.

10. Transfer of personal information:

Your data & personal information may in some instance be processed in countries outside of the EU (or European Union). If we move and process your personal data or information to countries that are outside of the UK we will make sure that the handover is carried out in a compliant manner and suitable secure safeguards are used; again in accordance with all relevant data protection requirements in all locations.

11. Retaining your personal information:

We will retain & process your data or personal information for only as long and as necessary to meet the reasons defined in this notice provided to you. We will only keep your data and personal information in accordance with our internal retention policies. We will decide the duration we hold it for based on the minimum retention periods required by regulation or law.

12. Your Rights:

You have the right to request access to your personal data, to have it altered improved or corrected, deleted or removed, add restriction and/or object to processing. If you request that your data be removed, we will obviously comply with the request where it does not conflict with any regulatory or legal obligations that we have. Where we are not capable to remove your data, the information would be marked as dormant and not used for any additional reason other than to provide data if requested by the FCA relating to any investigations which they may carry out.

If we are processing your personal data with your permission, you have the right to remove your consent at any time. This may mean however, that Golden Rock Solutions Limited may not be able to provide you with the protection you requested for you and your family.

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

If you have provided your permission to receive marketing information, you also have the right to opt-out at any point.

You also have the right to request a copy of the personal or sensitive information Golden Rock Solutions Limited holds about you.

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

13. How to Make a complaint:

If we get something wrong, or you’re not happy with our team or services, we always want the chance to help find a solution so please contact us. Alternatively, you may contact the Data Protection Officer using the contact details provided above.

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

Information Commissioners Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
01625 545 745 or 0303 123 1113