Privacy Policy

Last updated: February 2023

Protecting your personal information is extremely important to us. It's especially important for a company like ours, as our customers trust us to look after a huge amount of sensitive information on everything from their date of birth to their medical history.

The way we collect, use, store and share your information is important. Our customers expect us to manage their information privately and securely. If we don't, they'll lose their trust in us.

This policy tells you how we collect and process your personal information. Please take a few minutes to read it, and show it to anyone else connected to your product whose information you are sharing with us (including, but not limited to, trustees and beneficiaries). This policy may be subject to future change.

Unfortunately, sending information via email is not completely secure; anything you send is done so at your own risk. Once received, we will secure your information in accordance with our security procedures and controls.

Who are we?

Investment Discounts On Line Limited is part of the Legal & General Group and is the registered data controller of your personal data for the purposes of the Data Protection Act. Trading names of Investment Discounts On Line Limited also known as include, and

What does this policy cover?

This privacy policy relates to retail customers and / or any individual consumers of goods / or services including users of application-based technology and those who obtain quotes, utilise our service, purchase provider products, enter into agreements via our services including individuals covered under their employer sponsored schemes, from one of the product providers hosted by us and/or individuals that we may otherwise interact with in the course of our business.

What is personal information?

When we talk about personal information we mean information about an individual that can identify them, like their name, address, email address, IP address, telephone number and financial details. It can relate to customers (including prospective customers), their appointed representatives (e.g. power of attorney), employees, shareholders, business contacts and suppliers. Any reference to 'information' or 'data' in this policy is a reference to personal information about a living individual.

What information do we hold?

We may collect and process the following personal information about you:

Type of data
Examples of how we use it


  • Who you are
  • Where you live (including previous addresses)
  • How to contact you
  • Third party contacts (e.g. family members)
  • Servicing your products
  • Marketing
  • Analysis and profiling
  • Enhancing our product and service offering
  • Assessing eligibility based on product provider's requirements

Personal Details

  • Age
  • Gender
  • Family details
  • Visual images and personal appearance
  • Financial Details
  • Lifestyle, health, medical information and social circumstances
  • Marketing
  • Analysis and profiling
  • Quotations provided
  • Product underwriting
  • Assessing eligibility based on product provider's requirements
  • Services selected

Vulnerability details

  • Capability / capacity
  • Financial circumstances
  • Life events
  • Health details
  • Ensuring accessibility
  • Servicing your products
  • Making sure the products and services meet customer needs


  • Bank and/or card details
  • How you use your products
  • Changes you make to your products
  • Servicing your selected product
  • Making sure our hosted products and services are fit for purpose
  • Transmit your payment card details to your selected provider's Payment Service Provider

Consent and preferences

  • Ways you want us to market to you
  • Ways you want selected product providers or partners to market to you
  • Information from third parties acting on your behalf
  • Lifestyle, health, medical information and social circumstances
  • Marketing
  • Prevention of direct marketing to those who have opted out
  • Obtain quotes including prices from product providers


  • Details on the devices and technology you use
  • Making sure our products and services are fit for purpose

Open data and public records

  • Information about you that is openly available on the internet (including social media platforms)
  • Product and service administration

Documentary data and national identifiers

Details about you that are stored in documents like:

  • Your passport
  • Drivers licence
  • Birth certificate
  • National insurance number
  • IP address

  • Identification and verification
  • Prevention of financial crime

Location data

  • Your device's current location
  • Use of location services such as the location services of your operating system, or browser, sensor data from your device (e.g. Bluetooth data, beacon data, Wi-Fi access points, GPS data and cell tower data).
  • In limited circumstance some products and/or services will require location data for the purpose of access control functionality, however you can change location setting on your device at any time. We will never share your location with others, except with your express consent or as permitted under the Privacy Policy.
  • If you have turned on persistent background location services on your device, we may obtain your device's location even while you are not using the services or products on your device. The persistent background location services use various technologies to determine your precise location, such as the location services of your operating system or browser, sensor data from your device (e.g. magnetometer, barometer, gyroscopes, accelerometers, compasses, Bluetooth data, beacon data, Wi-Fi access points, GPS data, and cell tower data). If you have opted-in to sharing our background location with us as part of using our services or products, you can opt-out at any time by going into your device settings and switching off background sharing / location services.
Where do we get our information from?
How do we use your information?

We use personal information that we hold about you:

When you request a quotation for a product or to receive a service from us, the online form (or in some instances the application form) you fill out or the resulting contract may contain additional conditions relating to the way we use and process your personal information. These will apply in addition to the uses described in this document.

Whilst Investment Discounts On Line Limited remain the data controller in relation to the information you provide to us, the product and service providers (such as those insurance companies we request quotes from) will also act as data controllers in relation to the information we pass to them. Requesting a quotation will be taken as acceptance for your data to be passed to our panel of insurance and annuity providers.

Each product and service provider has their own privacy policy and terms and conditions available on their website which will apply to their treatment of the data.

In some cases, we may use software or systems to make automated decisions (including profiling) based on the personal information we hold or collect from others. These may include:

Using your information in accordance with data protection laws

Data protection laws require us to meet certain conditions before we're allowed to use your personal information in the way we describe in this privacy policy. We take these responsibilities extremely seriously. To use your personal information, we'll rely on the following conditions, depending on the activities we're carrying out:

Please be aware that the personal information you provide to us, and which we collect about you, is required for us to be able to provide our services to you and without it we may not be able to do so.

How long do we keep your information for?

We'll keep your personal information in accordance with our internal retention policies. We'll determine the length of time we keep it for based on the minimum retention periods required by law or regulation. We'll only keep your personal information after this period if there's a legitimate and provable business reason to do so.

For annuity products, we may retain your personal information indefinitely using the legitimate interests condition in order to support future enquires from you, your family or our regulators.

Occasionally, it may be impossible to delete data, due to technical limitations. In these case, we will take steps to put the data beyond use. This means that your data will not be access or shared and your rights and freedoms will not be affected.

Who do we share your personal information with?

We'll only disclose your information to:

Additionally, we may disclose your personal information to third parties:

Additionally, your information, including special category and criminal conviction data, may be disclosed to any other insurance company to whom you apply for products or services.

As well as sharing your information with insurance or annuity providers, if you've been introduced to us by another company (such as an aggregator and price comparison website, your employer or their financial adviser) we may share your information with them, to enable them to:

Fraud prevention

The personal information Investment Discounts On Line Limited collect from you may be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. 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.

We may also share information about you with other organisations and public bodies, including the police and we may check and/or file your details with fraud prevention agencies and databases. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies can be found by accessing this link:

Investment Discounts On Line Limited and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

Investment Discounts On Line Limited and other organisations may access and use from other countries the information recorded by fraud prevention agencies. Please contact us if you wish to receive the relevant details of the fraud prevention agencies by emailing

Investment Discounts On Line Limited or your selected provider may also check the details of other parties related to your contract, including verification of identity. This includes beneficiaries, trustees, settlors, third party premium payers, executors or administrators of your estate, parties with power of attorney and any other beneficial owner.

Protecting your data outside the UK

The data that we collect from you may be transferred to, and stored at, a destination outside the UK to to third-party suppliers, delegates or agents. We'll take all reasonably necessary steps to make sure that your data is treated securely and in accordance with this privacy policy to ensure your personal information is handled with the same protections that we apply ourselves.

We'll only transfer your data to a recipient outside the EEA where we're permitted to do so by law (for instance, (A) where the transfer is based on standard data protection clauses adopted or approved by the UK's Information Commission's Office, (B) where the transfer is to a territory that is deemed adequate by the UK, or (C) where the recipient is subject to an approved certification mechanism and the personal information is subject to appropriate safeguards, etc.).

Your Rights

You have rights under data protection law that relate to the way we process your personal data. More information on these rights can be found on the Information Commissioner's website. If you wish to exercise any these rights, please get in touch with our customer services team by emailing or by telephoning our customer service team on 0800 915 7885.

Your Rights

1.   The right to access the personal data that we hold about you.

2.   The right to make us correct any inaccurate personal data we hold about you.

3.   The right to make us erase any personal data we hold about you. This right will only apply where for example:

  • We no longer need to use the personal data to achieve the purpose we collected it for
  • You withdraw your consent if we're using your personal data based on that consent
  • Where you object to the way we use your data, and there is no overriding legitimate interest

4.   The right to restrict our processing of the personal data we hold about you. This right will only apply where for example:

  • You dispute the accuracy of the personal data we hold.
  • You would like your data erased, but we require to hold it in order to stop its processing.
  • You have the right to require us to erase the personal data but would prefer that our processing is restricted instead.
  • Where we no longer need to use the personal data to achieve the purpose we collected it for, but you need the data for legal claims.

5.   The right to object to our processing of personal data we hold about you (including for the purposes of sending marketing materials to you or using your personal information for profiling purposes).

6.   The right to receive personal data, which you have provided to us, in a structured, commonly used and machine-readable format. You also have the right to make us transfer this personal data to another organisation.

7.   The right to withdraw your consent, where we're relying on it to use your personal data (for example, to provide you with marketing about our services or products).

8.   For automated decisions (including profiling), you have the right to:

  • Obtain an explanation of the decision and challenge it
  • Request for the decision to be reviewed by a human being
Contacts and complaints

If you have any questions about this privacy policy or wish to exercise any of your rights, including changing your marketing preferences, please get in touch with our Customer Services team.

If you have any concerns about the way we process your personal data, or are not happy with the way we've handled a request by you in relation to your rights, you also have the right to make a complaint to the Information Commissioner's Office. Their address is:

First Contact Team
Information Commissioner's Office
Wycliffe House
Water Lane

Data Protection Officer

If you'd like to exercise your right to access any personal information that we hold about you, write to:, The Edge, Eden Business Park, Penrith, Cumbria CA11 9FB

You can also contact our Data Protection Manager directly with any questions or issues relating to the way we process your personal information:

Name: Mary Davis
Email address:
Address: The Edge, Eden Business Park, Penrith, Cumbria, CA11 9FB

If you are not satisfied with the way we deal with your enquiry you can escalate your request to:

Group Protection Officer
Email address:
Address: 1 Coleman Street, London, EC2R 5AA

Our Product and Service Providers

This list details the product and service providers to whom we disclose your information.

Legal & General, Zurich, VitalityLife, AIG, Beagle Street, LV=

Purely Pets, Pet Protect, Healthy Pets, Vetsmedicover, Pet-Insurance, John Lewis, 4Paws Pet Insurance, Puffin, The Insurance Emporium, Everypaw, Sainsburys Bank, Argos HIS, Lifetime Pet Cover, Waggel, Perfect Pet, Asda Money, Only Paws, Spot On, AnimalFriends, Napo, Scratch and Patch, Coop, PDSA CP, Many Pets, Now Pet, Post Office, LV, Petsure, RSPCA

Aviva, Canada Life, Legal & General, Unum, Zurich, AIG

Aviva, Canada Life, Just Retirement, Scottish Widows, Legal & General, Standard Life (Phoenix Group)


CoverForYou, Admiral, Cedar Tree, RAC, Sainsburys Bank, Puffin, Outbacker, ERGO, Insurefor, Big Blue, Coverwise, Southdowns, Holiday Extras, esure, Tesco, Insurefor Med, Virgin Money HG, TravelInsurance4Medical, Select and Protect, Tesco Med, Explorer, TheAA, Insure and Escape, loveit coverit, TravelTime, Travel Insurance Saver, Holiday Risk, StartTravel, Viva, Switched On Insurance, Oasis, Essential Travel, A to Z Insurance, AnnualTravelInsurance,, Post Office, Making Insurance Accessible, RIAS, Insure With Ease, Your Travel Cover, Good To Go, Leisure Guard, Trusted, Direct Travel, AllSafe, Fit2Travel, Able2Travel