Financials.co.uk is a trading name of Alacian Limited which is registered in the United Kingdom with company number 09470603 and has its registered office at TOP FLOOR, 133 CAMBRIDGE ROAD, MILTON, CAMBRIDGE, ENGLAND, CB24 6AZ. We respect the privacy of visitors to our website. Alacian Limited is registered as a data controller with the Information Commissioner’s Office in accordance with the Data Protection Act 1998; its registration number is ZA211394. When we refer to “we”, “us”, “financials.co.uk”, or “Alacian” we are referring to this company.
financials.co.uk is owned by Alacian Limited, who are an Introducer Appointed Representative of Seopa Ltd. The quote system relating to the insurance product mention on this page is owned and operated by Seopa Ltd, who are authorised and regulated by the Financial Conduct Authority (FCA), number 313860. You can view the registration on the financial services register https://register.fca.org.uk/
This policy applies to all users of our website and/or our comparison services.
This policy applies to the information about yourself that you choose to provide us with or that you allow us to collect. This includes:
|•||information you provide during any quote process, such as your name, your age and your contact details;|
|•||information you provide when you enter prize draws, competitions or provide reviews;|
|•||information which we may obtain about you from third parties (for example, because you have given third parties permission to share that information with us);|
|•||information we collect about how you use the website.|
2 Our obligations
We are a data controller in relation to the information that you provide us with. As a result, we are legally responsible for how that information is handled.
We will comply with the Data Protection Act 1998 in the way we use and share your personal data. Among other things, this means that we will only use your personal data:
|•||fairly and lawfully,|
|•||as set out in the legislation and this policy,|
|•||to the extent necessary for these purposes.|
We may process your personal data ourselves or through data processors who will process data on our behalf. If we use data processors we will remain responsible for ensuring that they comply with this policy and data protection law.
We will take every reasonable precaution to safeguard the personal information that you supply.
3 Use of your information
In particular, we may need to collect your sensitive personal information to allow us to provide you with quotes, for instance information relating to criminal convictions or to your health. You consent to our use of such information for the purposes set out below.
If you give us your personal information, we will use it to provide you with the quote comparison information you request. We may also from time to time contact you by mail, telephone, SMS, or email to provide information that may be of interest to you, including our newsletter, special offers and details about the services we offer. If for any reason you do not want to receive any marketing communications from us then you can unsubscribe by clicking here and then you can use the unsubscribe service on the contact us page. You can use that unsubscribe option at any time. If you initially decide to accept marketing e-mails from us but then change your mind you can always use the unsubscribe link in our marketing e-mails.
We advise you that insurance providers exchange information through various databases, including the Claims and Underwriting Exchange (CUE), which holds a record of incidents reported to insurers by policyholders and third party claimants. This information exchange enables insurers to validate the information provided by you, both about yourself and any other person named on the application, and aims to reduce fraudulent claims. Insurers may use this information to consider the risk of your application.
If you provide us with your driving licence number (‘DLN’) via our quote form we may pass this information to the DVLA in order for a search to be carried out to confirm your (or any named driver’s) licence status, entitlement and relevant restriction information and endorsement/conviction data. Carrying out these searches help insurers validate your information, preventing fraud and reducing incidents of negligent misrepresentation and non-disclosure. DLN searches may be carried out as part of your quote or at any point throughout the duration of your insurance policy. These searches will not appear on your (or the named driver’s) driving licence record. You can find details of the information that the DVLA currently hold about you at www.dvla.gov.uk.
Some insurance providers who offer products designed for students or graduates may also undertake additional checks against higher education sources to verify your student or graduate status.
By submitting your personal information, you agree that we may for the purposes set out above disclose your information to our agents and service providers, some of which may be located outside the European Economic Area in countries providing less protection for personal data than the UK.
4 Third parties
4.1 Comparison Services
If you request a quote comparison through our website, we will forward the personal information you submit to selected insurers, insurance brokers and other related third parties to enable us to obtain a quote for you.
The insurers may use your personal information for their own purposes, which may include contacting you by mail, telephone or email, and any use by these insurers will be subject to the insurers’ own terms and conditions and/or privacy policies. We cannot provide a quote comparison to you unless we are able to share your personal information in this way. In the event that none of the companies we forward your information to are able to provide an online quotation, we may pass on your contact details to a small number of companies who may be able to provide an offline quotation according to your circumstances.
4.2 Marketing and Relationship Management
Where you have provided us with consent to do so, we may from time to time supply your information to third parties providers for marketing or relationship management purposes. The main purposes for this is to allow third parties to provide you with information about goods and services which they think may be of interest to you and/or to maintain any existing relationship they may have with you. Such information may be provided by marketing communications or advertising which is tailored to your interests. Your data may also be used in the way described below. Be assured that any such parties will only be allowed to use your data in accordance with the Data Protection Act 1998 and other applicable law relating to privacy.
Those third parties who would wish to send you marketing communications or to advertise to you will fall into the following categories:
|Sector||Description and examples|
|Retail||• Online retail
• General stores
• Automotive (including dealerships and accessories)
• Home furnishings
• Home improvement
• Fashion and clothing
• Telecoms and utilities
• Loans, credit cards and mortgages
• Investments and savings
• Other insurances
• Travel booking
|Lifestyle||• Health and Well-being
• Media & publishing companies
• Legal Services
• Educational institutions
|Utilities||• Energy supply|
4.2.1 Scope of Consent – Third party marketing
If you do tick any of the boxes in the fair processing notice (contained in the Other offers and promotions section of your quote form) inviting you to give your consent in respect to third party providers marketing, those third parties may contact you by the channels which you have ticked. So, for example, if you tick the post and e-mail boxes, that means that third parties falling in the categories listed above can contact you via post and e-mail but not by the other channels.
If you opt in to telephone calls you are consenting to receiving live calls and recorded calls.
4.2.2 Opting out at a later date
Once you have given your consent to be contacted by third parties, you can however still control whether or not you continue to receive communications or see such advertisements from such third parties. The method of control depends on the channel of communication or advertising:
You can also withdraw your consent for postal marketing from anyone by adding your details to the Mail Preference Service. For more details please go to www.mpsonline.org.uk.
E-mail or SMS (text message)
You can unsubscribe from receiving e-mail or SMS marketing communications from any individual third party by using the instructions in any email communication such third party sends you (usually an ‘unsubscribe’ or ‘STOP’ link).
To withdraw your consent for live or automated calls from anyone you can add your name to the Telephone Preference Service which is maintained at this website address: www.tpsonline.org.uk.
You can also opt out at any time from communications by third parties via any of the methods described above by e-mailing us at email@example.com. Please note that such opt-out will only apply to communications from those third parties with whom we have a business relationship. If you opt out this way, you may still receive communications from third parties with whom we have no relationship.
4.2.3 Combining data
Where you have consented to us passing your details on to third parties for marketing purposes, the information you give us may be combined by those third parties with other information about you that is obtained from other sources. The combination is usually undertaken with a view to enhancing an existing database with more information. For example:
|•||If you are already a customer of a third party, that third party might wish to add an e-mail address you give us to the customer records that it holds about you, and use that email address to maintain their relationship with you and/or to offer you goods and services that are similar to those you have previously purchased.|
|•||The data you provide here may be combined with data you have provided elsewhere to verify your identity or validate the information you have provided (for example in the context of a third party’s anti-fraud measures.|
The consent you provided for any information you have previously shared with us or any third parties will be renewed at the time you give your consent for any new information sharing unless you indicate otherwise by contacting us, by using our contact form
4.2.4 Analysis and derivative data products
Sometimes your data will be used for analysis purposes or to build data products. In these instances, the information is aggregated and wherever possible anonymised in line with the Information Commissioner’s code of practice. Again, these products are of a marketing nature.
All third party users of your data are required to adopt and implement best practice security measures to prevent the loss of or unauthorised access to your personal information.
If you have any queries or concerns about the data usage please contact us by emailing us by using our contact form
5 Cookies and IP logging
When you visit our website, our server will automatically record your IP address and the time and duration of your visit. We may also use the records of the pages you visit on this website to analyse trends, administer the site and track your movements through the website so that we can improve the usability of and access to the website.
6 Accessing your personal information
You have a right to ask us to provide you with the information we hold about you and to have any inaccuracies corrected. If you would like to do so, of you have any other queries about this policy, please write to (See Below) We charge a £10 fee for this to cover our costs.
The Data Protection Officer
133 CAMBRIDGE ROAD
7 Legitimate Interests & Credit Checks
Under the Data Protection Act, we are also permitted to share some information with third parties who use such data for non-marketing purposes (including identification and fraud prevention, debt collection and returning assets to you). This would include the data you provide to us today, at any time in the past and in the future.
To ensure our insurers and credit providers have the necessary facts to assess your insurance risk, verify your identity, to help prevent fraud and to provide you with their best premium and payment options, they may obtain information from third parties at quotation and renewal and in certain circumstances where policy amendments are requested.
This information includes a quotation search from a credit referencing agency. This search will appear on your credit report and will be visible to other credit providers. It will be clear that this is a quotation rather than a credit application by you to pay by monthly instalments.
8 Contacting us
The Data Protection Officer
133 CAMBRIDGE ROAD
Use our contact form