This Privacy Policy explains how 50Life collects, uses, shares and protects your personal information.
50Life is a trading style of PJG Financial Limited.
PJG Financial Limited is the data controller for personal information collected directly by 50Life.
Who we are
- Company
- PJG Financial Limited
- Company number
- SC535782
- Registered office
- 5 South Charlotte Street, Edinburgh EH2 4AN
- FCA firm reference number
- 919697
- ICO registration number
- ZB537016
Information we may collect
The information we collect depends on how you use 50Life.
It may include:
- Your name
- Date of birth
- Email address
- Telephone number
- Postcode and address information
- The type and amount of insurance cover you are interested in
- Smoking status
- Lifestyle information relevant to obtaining insurance
- Health and medical information where required for your enquiry
- Details about your interactions with 50Life
- Records of communications with us
- Your marketing preferences
- IP address
- Device and browser information
- Information about how you use our website
Health information
Information about your health is classed as special category personal data under UK data protection law.
We only collect health information where it is relevant to the service you have requested.
Where explicit consent is required, we will ask for it clearly before collecting or sharing that information.
You may withdraw your consent where consent is the legal basis we rely on. However, this may mean that we are unable to continue with your quote enquiry.
How we use your information
We may use your information to:
- Respond to your enquiry
- Provide the 50Life service
- Connect you with a suitable protection adviser
- Pass information to the selected adviser so they can contact you about the quote you requested
- Operate and secure our website
- Keep records of enquiries and communications
- Prevent and detect fraud or misuse
- Understand and improve our website and services
- Meet legal and regulatory obligations
- Deal with complaints
- Send marketing where you have given permission or where another lawful basis applies
Our lawful bases
UK data protection law requires us to have a lawful basis for processing personal information.
Depending on what we are doing, we may rely on:
Consent
We may rely on your consent for certain activities, including the processing of health information where explicit consent is required and certain forms of direct marketing.
Legitimate interests
We may process information where reasonably necessary to operate our business, respond to requests, protect our systems, prevent fraud, improve our service and maintain appropriate business records.
We only rely on legitimate interests where our interests do not override your rights and interests.
Legal obligations
We may process information where necessary to comply with a legal, regulatory or law enforcement requirement.
Contractual and pre contractual purposes
Where relevant, we may process information because you have asked us to take steps in connection with a service you have requested.
Marketing
Requesting a life insurance quote does not automatically mean that you have agreed to receive unrelated marketing.
Where consent is required for email, SMS or other electronic marketing, we will ask for it separately.
You can withdraw marketing consent at any time.
Every marketing email we send will include a straightforward way to unsubscribe.
Opting out of marketing will not stop communications that are necessary to deal with an enquiry you have already made.
How long we keep information
We keep personal information only for as long as reasonably necessary for the purpose for which it was collected and to meet legal, regulatory, complaints and record keeping requirements.
Different types of information may therefore be kept for different periods.
We periodically review the information we hold and securely delete or anonymise information when we no longer need it.
Health information is not kept for longer than reasonably necessary for the purpose for which it was provided.
International transfers
Some technology providers may process information outside the United Kingdom.
Where this happens, we take appropriate steps to protect personal information in accordance with UK data protection law.
This may include relying on an adequacy decision or recognised contractual safeguards.
Security
We use appropriate technical and organisational measures designed to protect personal information against loss, misuse, unauthorised access and disclosure.
No internet based system can guarantee absolute security, but we take the protection of personal information seriously.
Your rights
Depending on the circumstances, you may have the right to:
- Ask for a copy of the personal information we hold about you
- Ask us to correct inaccurate information
- Ask us to delete information
- Ask us to restrict how information is used
- Object to certain types of processing
- Withdraw consent
- Ask for certain information to be transferred to you or another organisation
- Raise concerns about automated decision making where applicable
These rights are subject to conditions and exemptions under data protection law.
Making a data request
To exercise your data protection rights, contact us using the details on our Contact Us page.
We may need to confirm your identity before releasing personal information.
Complaining about data protection
If you have concerns about how we have handled your personal information, please contact us first so that we have an opportunity to investigate.
You also have the right to complain to the Information Commissioner's Office.
The ICO can be found at ico.org.uk.
Changes to this policy
We may update this Privacy Policy when our services, partners, technology or legal obligations change.
The latest version will always be published on this page.