1. Introduction
1.1: We are committed to safeguarding the privacy of visitors to our website and users of our services.
1.2: This policy applies where we act as a data controller concerning the personal data of website visitors and service users; in other words, where we determine the purposes and means of the processing of such personal data.
1.3: We use cookies on our website. Where cookies are not strictly necessary for the provision of our website and services, we will request your consent to their use when you first visit our website. You can manage your cookie preferences at any time. Further information regarding cookies is provided in Section 10.
2. How we use your personal data
2.1: We may process data about your use of our website and services (“usage data“). The usage data may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views, and website navigation paths, as well as information about the timing, frequency, and pattern of your service use. The source of the usage data is our analytics tracking system. This usage data may be processed for the purposes of analysing the use of the website and services. The legal basis for this processing is our legitimate interests, namely, monitoring and improving our website and services.
2.2: We may process your account data (“account data“). The account data may include your chosen username and email address. The source of the account data is provided by you upon registration. The account data may be processed for the purposes of operating our website, providing our services, ensuring the security of our website and services, maintaining back-ups of our databases, and communicating with you. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business.
2.3: We may process your information included in your personal profile on our website (“profile data“). The profile data may include your chosen username, email address, profile pictures, links to social networking profiles, gender, date of birth, geographical location, relationship status, interests and hobbies, educational details, and employment details. The profile data may be processed for the purposes of enabling and monitoring your use of our website and services. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business.
2.4: We may process your personal data that is provided in the course of the use of our services (“service data“). The source of the service data is you. The service data may be processed for the purposes of operating our website, providing our services, ensuring the security of our website and services, maintaining back-ups of our databases, and communicating with you. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business.
2.5: We may process information that you post for publication on our website or through our services (“publication data“). The publication data may be processed for the purposes of enabling such publication and administering our website and services. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business.
2.6: We may process information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters (“notification data“). The notification data may be processed for the purposes of sending you the relevant notifications and/or newsletters. The legal basis for this processing is the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract.
2.7: We may process information contained in or relating to any communication that you send to us (“correspondence data“). The correspondence data may include the communication content and metadata associated with the communication. Our website will generate the metadata associated with communications made using the website contact forms. The correspondence data may be processed for the purposes of communicating with you and record-keeping. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business and communications with users.
2.8: We may process any of your personal data identified in this policy where necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure. The legal basis for this processing is our legitimate interests, namely the protection and assertion of our legal rights, your legal rights, and the legal rights of others.
2.9: We may process any of your personal data identified in this policy where necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, or obtaining professional advice. The legal basis for this processing is our legitimate interests, namely the proper protection of our business against risks.
2.10: In addition to the specific purposes for which we may process your personal data set out in this Section 2, we may also process any of your personal data where such processing is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.
2.11: Please do not supply any other person’s personal data to us, unless we prompt you to do so.
3. Providing your personal data to others
3.1: Personal data may be disclosed:
- To insurers and professional advisers for insurance, risk management, legal claims, or professional guidance;
- To payment service providers (e.g., PayPal) for processing payments, refunds, and related queries, in accordance with their published privacy policies;
- To selected third-party suppliers of goods and services featured on our website, for the purpose of enabling them to contact you with relevant offers (in which case, they act as independent data controllers).
3.2: Personal data may also be disclosed where required by law, necessary for vital interests, or in connection with legal claims.
4. International transfers of your personal data
4.1: Hosting facilities for our website are located in the United States. Transfers are protected under appropriate safeguards such as the EU-U.S. and Swiss-U.S. Privacy Shield frameworks.
4.2: Personal data submitted for publication may be available worldwide via the internet. We cannot prevent third parties from using or misusing such data.
5. Retaining and deleting personal data
5.1: Personal data shall be retained only as long as necessary for the purposes outlined in this policy.
5.2: Retention periods:
- Cookie data: retained for up to one year;
- Profile data: retained until a deletion request is made.
5.3: Notwithstanding the above, data may be retained where necessary for compliance with legal obligations or the protection of vital interests.
6. Amendments
6.1: This policy may be updated periodically by publication on our website.
6.2: You are encouraged to review this page regularly to ensure you remain informed of changes.
6.3: Where appropriate, changes may also be communicated by email or via private messaging.
7. Your rights
7.1: In this Section 7, we have summarised the rights that you have under data protection law. Some of the rights are complex, and not all of the details have been included in our summaries. Accordingly, you should read the relevant laws and guidance from the regulatory authorities for a full explanation of these rights.
7.2: Your principal rights under data protection law are:
- the right to access;
- the right to rectification;
- the right to erasure;
- the right to restrict processing;
- the right to object to processing;
- the right to data portability;
- the right to complain to a supervisory authority; and
- the right to withdraw consent.
7.2: Requests to exercise these rights may be made via the contact details in Section 12.
7.3: Certain rights apply only in specific circumstances and may be subject to lawful exceptions.
8. Cookies – general information
8.1: A cookie is a small file containing an identifier sent by a web server to a browser and stored by the browser. Cookies may be persistent (remaining until expiry or deletion) or session-based (expiring when the browser is closed).
8.2: Cookies generally do not identify users personally, though data stored in cookies may be linked to personal information.
9. Cookies we use
9.1: We use cookies for the following purposes:
- authentication;
- session management;
- personalisation;
- security;
- advertising;
- analytics;
- cookie consent management.
10. Cookies used by our service providers
10.1: Our service providers may use cookies, which may be stored on your device when you visit our website.
10.2: We use Google Analytics to analyse website usage. Information gathered is used to generate usage reports. Further information: https://www.google.com/policies/privacy/.
10.3: We may publish Google AdSense advertisements tailored to your interests. Google may track your behaviour across websites using cookies.
You may manage ad preferences or opt out at:
11. Managing cookies
11.1: Most browsers allow cookies to be refused or deleted.
Guidance is available at:
11.2: Blocking cookies may negatively affect website functionality and prevent access to certain features.
12. Contact information
For any questions regarding this policy, or to exercise your rights under data protection law, please contact us by email: [email protected].
