The data that we hold is used for the following purposes:-
Part 1 - Providing you with our services
The personal data that we use for the purposes set out in this Part includes: your name, contact details, date of birth, address history, driving history, claims history, any previous convictions, medical history, details about your vehicle and/or your home and belongings, details about your relationship, information about your employment and income, identification information and your no claims history.
Providing you with a service and administering your account.
We use the data set out above to:
- provide you with the insurance, utilities and financial products comparison services you request from us (which includes both sharing information with our product providers and our comparison service partners who collect and share your information as set out under "Who is processing your data" above);
- send you any reminders that you have set up
- send you any energy saving service information if you have signed up for this service
- automatically generate quotes when your policies are due for renewal if you have opted into this service (you can opt out of this service at any time by changing the settings in your account)
- store your documents if you use the "Your Documents" feature, we also carry out analysis of your documents to identify the key information from the documents to make it easier for you to find the information you need; communicate with you about our services, for example send you confirmation emails regarding your quotes or your account details. When you obtain a quote with us, you will automatically be sent confirmation of your quote by email or SMS so that you have a record of your quote and can easily retrieve your quote in the future;
- manage, run and administer your account if you choose to set up an account with our Website; and
- help us build up a picture of you as a customer to ensure that we provide you with more relevant information, such as showing you the right content at the right time.
For some products we will give you the option to have two of our insurance partners who provide you with the two lowest prices to contact you to discuss your quote and where you consent, the insurance partners will use your data to contact you regarding your quote.
Data protection law says that we have to tell you the legal basis on which we process your personal data. In relation to personal data used for providing you with a service and managing your account, we process this data because it is necessary to perform the contract that we have in place with you to provide you with our services.
Part 2 – Fraud Prevention
Inorder to prevent and detect fraud we and/or our partners and/or comparison service partners may use the personal data set out above at any time to:
- Check and/or share your details with fraud prevention and detection agencies; and
- Share information about you with other organisations including the police, where necessary and proportionate; and
- Carry out analysis on data that is held in order to assist the identification of Fraud.
If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.
In relation to the personal data processed for fraud prevention, we process this we have a legitimate business interest in carrying out these activities to help minimise the risk of fraud or crime occurring and in its detection.
Part 3 – Our Reward Schemes
The personal data that we use for the purposes set out in this Part includes: your name, contact details (including your address), details about any policies you take out with any of our insurance partners or other products you buy through our Website and any other information you provide to us, for example as part of any complaints or queries regarding our reward schemes.
We run certain rewards schemes to reward our customers for buying policies and other products through the Website. Please see here for more information about our rewards schemes. We will use the data set out above to validate your eligibility to participate in our reward schemes and to administer the schemes.
We will also use this data to contact you in relation to our reward schemes and to deal with any complaints or queries you have in relation to the rewards schemes. We will exchange data with our partners where necessary for the administration of any rewards schemes. We process this data because we have a legitimate interest in processing the data in order to effectively administer our reward scheme and provide you with the reward scheme you have requested.
Please see the section below headed "Meerkat Movies" for information about how personal data is collected and used by our Meerkat Movies app.
Part 4 – Other Uses of Data
When you provide your details you will be given an opportunity to confirm whether you are happy to receive marketing material from us. If you confirm you are happy to receive this material, we will use your postal address, email address and telephone number to send you marketing materials by post, email, telephone call or SMS. We do not pass your data to other companies for marketing purposes.
If you consent to us contacting you for marketing purposes, we will disclose an anonymised version of your email address (we use a process called hashing to protect your details) to third party social media sites such as Facebook to enable us to display marketing to you via such sites. "Hashing" is similar to encryption and means that we scramble the plain text of your email address to create a unique and irreversible message. This means that the social media sites do not receive a plain text version of your email address. Where we do this, we require social media providers only to use your information for the purposes of enabling us to display marketing to you through their site and not for any of their own purposes.
You can change your mind at any time by logging into your account and updating your preferences. You can also unsubscribe from emails by clicking on the unsubscribe link on any marketing emails that we send you, updating your preferences in your account or by unsubscribing on our website.
This will not impact any communications that we need to send you for the purpose of your quote, for example confirmation of your quote or your account details, notifications we need to send you regarding any rewards you have claimed or communications necessary for any other services you have requested that we provide to you.
Your personal data will also be used to assist us and our approved advertising providers with our advertising activities, as set out in more detail in the "Targeting Cookies" section of our Cookies Policy. Targeting cookies do not collect information that is directly identifiable to you, such as your name, email address and information you enter into forms on our website. They collect information about your browsing activity and your device to enable our providers to serve our advertising to you. Most of these cookies are set by our providers who will be responsible for how the cookies (and information collected by them) are used.
However, we do use the personal data that we hold about you to put you into "segments" based on your interests and needs so that we can ensure the advertising you see is relevant to you. To do this effectively, we need to share some of your information with some of our providers so that they can combine it with the information collected by their cookies and serve advertising to audiences that we select. The information shared is limited to your email address, IP address, information about which products you may be interested in such as which pages of our website or app you have visited or which of our emails you have clicked on and whether you have purchased a policy or claimed a reward with us. Information is always shared in an encrypted, non-identifiable form. Where we do this, we will be jointly responsible with the relevant provider for how that personal data is used. More information about our providers and the cookies used, including how to opt out, is set out in our Cookies Policy.
From time to time we may want to use your postal address, email address and/or telephone number to contact you to assist us with our research by asking you a few questions about the service you have received or by asking if you would like to complete a review of our services. We may sometimes ask market research companies to contact you on our behalf.
If you would prefer us not to contact you for market research purposes then you can let us know by contacting us at email@example.com or by updating your preferences in your account.
Research and Analysis Activities
We and our partners use data relating to your quotes, including the personal data you input to request your quotes and information about the policies or contracts you have taken out, to carry out various research and analysis activities to help us to regularly review and improve the products and services we or our partners provide and carry out research. We also share this data with our insurance providers and comparison service providers to enable them to use this data for these purposes. Where possible, data will be shared on an anonymised basis. The data will not be used to make any decisions that will affect you or any other individual and we require our partners and comparison service providers to delete the data as soon as the relevant research and analysis activity is concluded.
We also use the data that we collect about you through your Website usage to carry out research and analysis into usage and activities on our Website to enable us to continue to improve our Website and our products and services.
In relation to personal data used for the purposes described in this Part 4, we process this data because we have a legitimate business interest in carrying out these activities to promote and improve our business. We have ensured appropriate safeguards to protect your rights when processing this data for these purposes.
Part 5 – Special Categories of Personal Data and Criminal Convictions
In order to provide your quotes we may ask you to provide data which data protection law classifies as "special personal data". This includes information about your health (such as any medical conditions). We may also need you to provide information relating to criminal convictions or alleged or actual criminal offences, for example traffic offences, in order to provide your quotes. We will also need to share this data with our insurance partners to enable them to generate their quotes for you.
Where we collect special personal data and criminal conviction or offence data for the purposes above, we process this data because it is in the substantial public interest to do so for the purposes of arranging and/or advising on contracts of insurance.
It may also be necessary for us to retain a copy of any special personal data and criminal conviction or offence data for the purpose of making or defending claims or preventing or detecting crime, including fraud.