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Privacy Policy

The privacy and security of your personal information is very important to us. We want to assure you that your information will be properly managed and protected whilst in our hands.

Pulse Insurance Limited knows that we must always ensure that personal information is kept safe.  We are committed to protecting your, your family and/or you and your clients’ personal information.

This Privacy Policy relates to our use of any personal information we collect from you via the following online services:

  • Our Pulse website (“Website”);
  • Social media including Twitter and LinkedIn as well as any Pulse Insurance content that we may include on any other website;

It also relates to our use of any personal information we collect through other means, such as email, in person or other third-party sources.


Pulse Insurance Ltd

Pulse Insurance Ltd (“Pulse”, “we”, “us” and “our” in this Privacy Policy) is an insurance intermediary and Managing General Agency that operates in the United Kingdom and internationally where authorised to do so.

 

The information we collect and how we collect it

Information you provide to Pulse

 We may receive personal information about you, when you contact Pulse Insurance for example by doing any of the following:

  • Requesting or obtaining a quote or an indication of premium
  • Purchasing a Pulse product through us
  • Using our Website
  • Registering as an Intermediary or Financial Adviser
  • Submitting an insurance enquiry
  • Telephoning, texting, writing by post or email, or communicating via any online channels to Pulse Insurance

 

This information may include:

  • Basic personal details such as your name, address, e-mail address, telephone number, date of birth or age, gender, marital status
  • Additional information about your lifestyle and insurance requirements, such as details of your employment, your health or your travel arrangements
  • Information about your other policies, such as claims history, quotes history, claims data
  • Sensitive personal information such as health information (for example existing medical conditions, alcohol consumed, recreational drug use, tobacco use, current state of health, family or personal history in relation to some conditions). We will always be clear to explain when and why we need this information and the purposes for which we will use it and will obtain your explicit consent to use sensitive personal information
  • Information about your employment, including salary and other financial information where relevant to your insurance request
  • National Insurance Number and
  • Your marketing preferences
  • We may collect information about other members of your household or family, for example, family members who may be included on an insurance policy or on whose life you take out a life insurance policy.
  • If you give us information about another person it is your responsibility to ensure and confirm that: 
    • you have told the individual who Pulse is and how we use personal information, as set out in this Privacy Policy; and
    • you have permission from the individual to provide that personal information (including any sensitive personal data) to us and for us to process it, as set out in this Privacy Policy.

 

Information collected from your use of our Website

Information we collect through Cookies and similar technologies

We collect information through “Cookies” and other similar technologies to remember you when you visit the Website; this helps us improve your online experience to suit your needs and understand how you and others use our Website, view our products and respond to our advertising, so we can tailor direct marketing and enhance our overall product and service offering. This also saves you from re-inputting information when you return to the Website. 

To find out more about Cookies and related technologies please read our separate Cookie Policy

We collect and use technical data and related information, including but not limited to technical information about device, system and application software used to better facilitate your use of our website.

 

Online channels

We may use and share information from or with online sources, such as website, social media and information sharing platforms. This information may be used to help tailor and improve our services and communicate with you effectively, as we know many of our customers use a range of media channels.

Where we use or share information from or with these sources, we will respect any permissions you have set about how you would like your information to be used. 

We recommend you routinely review the privacy notices and preference settings that are available to you your web browsers and on any social media.

Information collected from third parties

We use information about you from other third party sources such as:

  • We may obtain information about you from medical professionals, or your employer. We will always seek your permission to contact these people for your information.
  • We may obtain information about you from our third-party suppliers and other third-party databases, such as government sites for marketing insights, pricing research, product development, business strategy and to detect and prevent fraudulent activity or to obtain background information relating to a particular event or activity. 

 

How we use information to help you

We may use information to:

Administer quotes and policies, including to:

  • assess your application for a cover,
  • understand your risk
  • verify your identity and carry out anti-fraud checks,
  • administer your policy including updating you on and delivering our services.
  • support you if you need to claim
  • deal with complaints
  • reconnect with you if you move to a new house or change employer.

 

How we use your information

We may share and aggregate information about you within Pulse, including personal information held within multiple policies held with us, quotes or claims details and depending on your preferences, we may use this information to:

  • to determine pricing;
  • if you request a quote, or purchase a product or service from us, your personal information will be used and shared with Insurers and Lloyd’s Underwriters, as well as their third-party administrators, for the purposes of administration (including underwriting, determining premiums, managing claims and offering renewals).
  • We will use your information to communicate with you about your quote, product or service, including improvements we make to the ways you can access your information.

We may, as a matter of law, and without requiring notice or consent, use your information for crime and fraud prevention, systems administration and to monitor and/or enforce Pulse’ compliance with any regulatory rules and codes.

 

How we share your information outside of Pulse

If you request a quote, or purchase a product or service, your personal information may be shared with and processed by our associated insurers, introducers, intermediaries, reinsurers and agents, as well as the policy holder (for a corporate policy) and your broker or agent for the purposes of administration, including third parties providing services to them, (as detailed above). 

Your information may be disclosed when we believe in good faith that the disclosure is:

  • required by law;
  • to protect the safety of our employees, the public or Pulse property;
  • required to comply with a judicial proceeding, court order or legal process; or
  • in the event of a merger, asset sale, or other related transaction; or
  • for the prevention or detection of crime (including fraud).

We may share your information with regulatory bodies in the UK or if applicable, overseas.

We may disclose your information to third party suppliers or service providers to conduct our business, for example, to help administer your policy, to help us manage and store data, provide data analytics, conduct market research and to communicate with you effectively. This may include any online or digital partners we work with, so we, or our online or digital partners on our behalf, can communicate with you through their platforms. 

 

Data transfer and consent

Your information may be transferred by to any country, including countries outside of the European Economic Area (EEA), for processing, storage, administration or any other use stated in this policy. The purposes and processing associated with any such transfer will comply with all applicable data protection regulations, including the UK Data Protection Act, and with our obligation to adequately protect and secure your personal information. Where required under applicable laws we will take measures to ensure that personal information handled in other countries will receive at least the same level of protection as it is given in the EEA.

By providing your personal information to Pulse Insurance you consent to the transfer of your information as described above. 


Security

We are committed to protecting the confidentiality and security of the information that you provide to us and we put in place appropriate technical, physical and organisational security measures to protect against any unauthorised access or damage to, or disclosure or loss of, your information.

You should also be aware that communications over the internet, such as e-mails, are not secure unless they have been encrypted. The Website may contain links third party websites. These other websites will be subject to their own privacy policies which may differ from this Privacy Policy. You should carefully read the privacy policies of these website before submitting any personal information.


Managing your marketing preferences

We may:

  • provide you with updates and information about Pulse’s products and services through online digital services (e.g. online advertising, social media communications);
  • you can change your marketing preferences at any other time by contacting us on the details given below in the 'Update your information or change your marketing preferences' section.

We will not use sensitive personal details (such as information relating to your health record) in order to provide you with marketing, discounts or pricing.

 

Update your information or change your marketing preferences


Please let us know if your information changes as it is important that the information we hold about you is accurate and up to date.

You can ask us to update or correct your personal information by contacting us using any of the following methods:

Call us on 01280 841430 or Email us admin@pulse-insurance.co.uk 

We are here to help Monday –Friday 9 a.m.-5.30 p.m. or if you prefer, you are welcome to write to us at the address below:

Data Protection Officer
Pulse Insurance Ltd
6 Oxford Court
St James Road
Brackley
Northamptonshire
NN13 7XY

 

How to find out what information we hold about you

You have the right to request a copy of all the personal information we hold about you in a Subject Access Request.

To do this, simply write to us at the address above enclosing a cheque for £10.00 payable to Pulse Insurance Limited to cover our administrative costs in dealing with your request.

We will take all reasonable steps to confirm your identity before providing you with details of any personal information we may hold about you.

 

Changes to this Privacy Policy

We may amend this Privacy Policy from time to time for example, to keep it up to date or to comply with legal requirements. You should regularly check this Privacy Policy for updates. If there will be any significant changes made to the use of your personal information in a manner different from that stated at the time of collection, we will notify you by posting a notice on our Website.

 

How to contact us 

For any questions or concerns relating to this Privacy Policy or our data protection practices, or to make a subject access request, please contact us at:

Data Protection Officer

Pulse Insurance Ltd.
6 Oxford Court
St James Road
Brackley
Northamptonshire
NN13 7XY

Or Email DPO@pulse-insurance.co.uk

 

Need help? Call us on: 01280 841430