CONSUMER PRIVACY NOTICE (also known as PRIVACY POLICY)

Last updated: February 2024

Protecting your personal information is extremely important to us. 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 privacy notice tells you how we collect and process your personal information. Please take a few minutes to read it. Show it to anyone else connected to your product(s) or whose information you are sharing with us. For example, trustees and beneficiaries. This privacy notice may be subject to future change.

Unfortunately, sending information via e-mail is not completely secure; anything you send is at your own risk. Once received, we will secure your information in line with our security procedures and controls.

Who are we?

Investment Discounts On Line Limited is part of the Legal & General Group. We are a registered data controller of your personal data for the purposes of the Data Protection Act. Trading names of Investment Discounts On Line Limited are theidol.com, comparecover.com, protectmypeople.com, annuityready.com and clevermover.com.

What does this policy cover?

This privacy notice relates to:

We also have a separate privacy notice for professional business clients, which can be found on our website.

What is personal information?

When we talk about personal information, we mean information about an individual that can identify them. For example, their name, address, email address, IP address, telephone number and financial details. It may relate to customers (including prospective customers), employees, shareholders, business contacts and suppliers. Any reference to 'information' or 'data' in this privacy notice 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
Description
Examples of how we use it

Contact

  • Who you are
  • Where you live (including previous addresses)
  • How to contact you
  • Third party contacts. For example, family members or friends
  • 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
  • Employment details
  • Marketing
  • Analysis and profiling
  • Quotations provided
  • Product underwriting
  • Assessing eligibility based on product provider's requirements
  • Services selected
  • Financial crime prevention

Vulnerability details

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

Transactional

  • 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

Technical

  • 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. This includes social media platforms
  • Product and service administration

Documentary data and public records

Details about you that are stored in documents like you:

  • Passport
  • Driver's licence
  • Birth certificate
  • National insurance number

  • 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. For example, Bluetooth data, beacon data, Wi-Fi access points, GPS data and cell tower data.
  • 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 to support your provider claims process, with your express consent or as permitted under the Privacy Notice.
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 your 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 have extra 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). This is 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 need us to meet certain conditions before we're allowed to use your personal information in the way we describe in this privacy notice. 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 needed for us to be able to provide our services to you. 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. The length of time we keep it for is 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. This is 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 cases, 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 we may share your information with them. For example, your aggregator, price comparison website, employer or their financial adviser. This is to enable them to:

Fraud prevention

The personal information Investment Discounts On Line Limited collects 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 we identify that false or inaccurate information has been provided and fraud is identified, we will pass details 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 may be used by us or your selected insurance provider and these fraud prevention agencies can be found by accessing these links:

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 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 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 notice 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 UK 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 customerservices@theidol.com or by telephoning our customer service team on 0800 915 7885.

Your Rights

1.   The right to be informed about how we process your personal information. This right is met by the provision of this document.

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

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

4.   The right to ask us to 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.

5.   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 need to hold it in order to stop its processing.
  • You have the right to require us to erase the personal data but you 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.

6.   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).

7.   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.

8.   The right to withdraw your consent.

  • This only applies where we're relying on your consent in order to use your personal data (for example, to provide you with marketing information about our services or products).

9.   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
Wilmslow
SK9 5AF

Data Protection Officer

If you'd like to exercise your right to access any personal information that we hold about you, write to: theidol.com, 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: datacontroller@theidol.com
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 Data Protection Officer
Email address: Data.Protection@landg.com
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.

For travel insurance, we will facilitate sharing of your personal data on behalf of your selected product provider to their third-party payment service provider. This is to enable verification of your identify to allow your payment to be processed securely.

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

Pet
Purely Pets, Pet Protect, Healthy Pets, Pet-Insurance, John Lewis, 4Paws Pet Insurance, 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, Puffin

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

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

Servicing
Loqate, Reviews.co.uk, getAddress.io

Travel
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, multitrip.com, Post Office, Making Insurance Accessible, RIAS, Insure With Ease, Your Travel Cover, Good To Go, Leisure Guard, Trusted, Direct Travel, AllSafe, Fit2Travel, Able2Travel