We are authorised and regulated by The Financial Conduct Authority.
Your Personal Information
Your privacy and the protection of your personal data is important to us. This document tells you how Top Quote and our FCA Principal firm, Openwork Ltd, use the information you provide and how we protect your privacy. This document also explains your rights under the General Data Protection Regulations.
Top Quote Limited (hereinafter ‘we’ or ‘us’ or ‘our’) gather and process your personal information in accordance with this privacy notice and in compliance with the relevant data protection Regulation and laws. This notice provides you with the necessary information regarding your rights and our obligations, and explains how, why and when we process your personal data.
Top Quote Limited’s office is at 14th Floor, Manchester One, 53 Portland St, Manchester, M1 3LD and we are a company registered in England and Wales under company number 04648763. We are registered on the Information Commissioner’s Office Register; registration number Z7555904.
A Data Controller is someone who determines the purposes for which and the manner in which your personal data should be processed. Both TopQuote and Openwork are data controllers in respect of your personal information.
Why do we process personal information?
Top Quote Limited processes your personal information to meet our legal, statutory and contractual obligations and to provide you with our products and services. We will never collect unnecessary personal data from you and do not process your information, in any way, other than as specified in this notice.
What information do we collect about you?
The information we collect is limited to the information we need to be able to arrange financial services on your behalf such as life insurance policies and property insurances. This will be the type of information typically required to complete application forms for insurance policies. For life insurance policies we will need to collect health and medical information from you, this is called’ Sensitive’ or ‘Special Category Data’.
How do we collect information about you?
We usually collect information about you during telephone conversations with you. We may also receive information about you from other organisations to process on their behalf. On occasion we may also purchase lists of consumers to contact.
We may also collect information about you if you subscribe to our newsletters or take part in competitions we organise, or via contact or query forms on our website.
Our website uses “cookies” which are text files placed on your computer to collect standard internet log information and visitor behaviour information. This information is used to track visitor use of the website and to compile statistical reports on website activity.
Most web browsers allow some control to restrict or block cookies through the browser settings, however if you disable cookies you may find this affects your ability to use certain parts of our website or services. For more information about cookies visit https://www.aboutcookies.org.
How will we use the information about you?
We take your privacy very seriously and will never disclose, share or sell your data without your consent, unless required to do so by law. We only retain your data for as long as is necessary and for the purpose(s) specified in this notice. Where you have consented to us providing you with promotional offers and marketing, you are free to withdraw this consent at any time.
The purposes and reasons for processing your personal data are detailed below: –
- We collect your personal data in the performance of a contract or to provide a service.
- We collect and store your personal data as part of our legal obligation for business accounting and tax purposes.
- We have a legal obligation to share your personal data with other organisations to provide insurance policies or to provide us with identification verification.
- We will occasionally contact you where we have assessed that it is beneficial to you as a customer and in our interests. Such information will be non-intrusive and is processed on the grounds of legitimate interests.
- If you have freely given your explicit consent, we may contact you by e mail, SMS, or by telephone about other products and services we think may be of interest to you.
- Under certain circumstances we may be asked to provide your information to financial service regulatory bodies and other fraud prevention agencies – we will only do so if we are required by Law to comply.
None of the information gathered will be used in automated decision making.
How will we use the information about you?
If you apply for some types of insurance (e.g life cover, critical illness cover, income protection cover) you will be required to provide details of your health. Under GDPR, this is regarded as sensitive personal data.
We need your specific consent to collect and process your health details, which, of course you may withdraw at any time. We will obtain your freely given consent to obtain and process this sensitive personal data as part of our telephone conversations with you and will then ask you to sign this Privacy Notice.
If you have freely given your consent, we may contact you by email, SMS or telephone for marketing purposes.
You have a right at any time to stop us from contacting you for marketing purposes or giving your information to other businesses. If you no longer wish to be contacted for marketing purposes, please contact the data controller to amend your preferences (please see contact details in ‘How to Contact us’)
You have the right to access any personal information that we process about you and to request information about: –
- What personal data we hold about you
- The purposes of the processing
- The categories of personal data concerned
- The recipients to whom the personal data has/will be disclosed
- How long we intend to store your personal data for
- If we did not collect the data directly from you, information about the source
If you believe that we hold any incomplete or inaccurate data about you, you have the right to ask us to correct and/or complete the information and we will strive to do so as quickly as possible, unless there is a valid reason for not doing so, at which point you will be notified.
You also have the right to request erasure of your personal data or to restrict processing (where legally possible) in accordance with the data protection laws, as well as to object to any direct marketing from us. Where applicable, you have the right to data portability of your information and the right to be informed about any automated decision-making we may use.
If we receive a request from you to exercise any of the above rights, we may ask you to verify your identity before acting on the request; this is to ensure that your data is protected and kept secure. There will be no charge for such requests, and we aim to respond to you within 4 weeks of receiving your request.
Top Quote Limited takes your privacy seriously and takes every reasonable measure and precaution to protect and secure your personal data. We work hard to protect you and your information from unauthorised access, alteration, disclosure or destruction and have several layers of security measures in place. We ensure that personal data is physically protected through secure storage methods and when electronically held the systems are protected by firewalls, and anti-virus software. Data is also backed -up to prevent total erasure by incidents such as fire or other disasters.
How long do we keep your data?
We retain personal information for only as long as is necessary and we have review and retention policies in place to meet these obligations. We are required under various examples of UK law to keep records of our financial and business activities, including your personal data, for a minimum of 6 years. If we have no contractual relationship with you at the end of six years your personal data will be erased from our records.
When we have a relationship with you in respect of a contract, such as an insurance policy, we will retain your information for the duration of the of the contract.
Where you have freely and explicitly consented to us using your details for direct marketing, we may keep such data until you notify us otherwise and/or withdraw your consent.
How to contact us
If you would like further details on how we use your personal information or if you have any data protection queries, please contact:
The Data Protection Officer,
TopQuote Ltd, 14th Floor,
53 Portland Street,
The Data Protection Officer
If you have any complaints about the way we have handled your personal information, please contact the customer services manager at the Topquote address:
You can also complain to the ICO if you are unhappy with how we have used your data.
The ICO’s address:
Information Commissioner’s Office
Helpline number: 0303 123 1113
ICO website: https://www.ico.org.uk