LOTUS LIFE REVIEW PRIVACY POLICY
Our Commitment to your privacy
Lotus Life Review are committed to the privacy of its users. This policy explains when and why we collect personal information, how we treat information obtained by us and the types of organisations to which we disclose your information, either from your use of this website or through the delivery of our services to you.
We may make changes to this privacy policy. We will publish the latest version of this policy on our website.
Any personal information you supply to Lotus Life Review via this website, or by other means, will be treated in accordance with the Data Protection Act 2018.
Although our website may contain links to other sites, these are outside of our control and are not therefore covered by this privacy policy. You can find further details relating to this in Terms & Conditions.
The term ‘GDPR’ – General Data Protection Regulation
Many principles of GDPR are similar to those of the current Data Protection Act – but with new elements and enhancements.
These new rules are designed to create a uniform level of data protection throughout the EU and give individuals better control of their personal data.
The term ‘personal data’
The term personal data means personal data relating to a client or a potential client which may be supplied or processed by, or on behalf of Lotus Life Review. Any reference to personal data includes a reference to “sensitive personal data”.
Sensitive personal data means personal data that incorporates categories of data listed in Article 9 (1) of the GDPR (and which are described under GDPR as “special categories of personal data”).
The information we collect about you
We collect information about you when you engage with us in relation to the insurance services we provide. The information you provide will include both personal and financial information. It may also include special categories such as information about your health if this is necessary for the provision of our service.
We may also collect information about you when you complete client surveys, provide feedback to us, or subscribe to receive information about our products or services. We do receive data from reputable data sources which we use for marketing purposes. Under these circumstances we are processing information using the lawful basis of legitimate interest.
The legitimate interest is for continues growth of the business.
To assist us in the processing of your information we may use other companies who work under contract with us. This may include companies located outside of Europe.
Use of ‘Cookies’
The Lotus Life Review website uses cookies (small text files that are stored on your computer or in your browser) to allow us to collect data and further improve our user experience. When you visit our website, we may collect certain information automatically from your device. This helps us to monitor how visitors use our site, allowing us to provide the best user experience. Specifically, the information we collect automatically may include information like your IP address, device type, unique device identification numbers, browser-type, broad geographic location (e.g. city-level location), mobile phone network, and other technical information.
We may also collect information about how your device has interacted with our website, including the pages accessed and links clicked. Collecting this information enables us to better understand the visitors who come to our website, where they come from, and what content on our website is of interest to them. We use this information for our internal analytics purposes and to improve the quality and relevance of our website to our visitors. Some of this information may be collected using cookies and similar tracking technology.
You can disable and delete cookies by changing the appropriate setting within your browser’s ‘Help’, ‘Tools’ or ‘Settings’ menu. Please note that by disabling cookies you may not benefit from some of the features of our site. You can find out more about deleting or controlling cookies by visiting aboutcookies.org.
The information we collect on our website and how we collect it
The personal information we collect through our website may include details such as your name, email address, postal address or telephone number. Personal information is collected by Lotus Life Review on this website when you:
Complete the Lotus Life Review ‘Quote’ form;
When you use the ‘leave a message’ function;
Apply for a position with the company;
Complete a feedback form;
Download information from the site;
Start a chat;
The personal information we hold about you will be held on computer and/or paper files and this information will be disclosed to third parties for the purposes of providing our services to you , including:
insurance companies and associated companies and actuaries for the purpose of processing your applications;
Our regulator, the Financial Conduct Authority, who have a legal authority to check all our records;
Our compliance consultants who help us to ensure that we fulfill our regulatory obligations;
We will also use the information to safe guard against fraud and money laundering.
Where third parties are involved in processing your data we will have a contract in place with them to ensure the nature and purpose of the processing is clear, that they are subject to a duty of confidence in processing your data and that they will only act in accordance with our instructions. If it is necessary for your personal data to be sent to a third party we will use appropriate and secure methods to do so.
How long do you hold personal information about me?
In principle, your personal data should not be held for longer than is necessary. However, we are subject to regulatory requirements to retain data for a specified minimum period. We also reserve the right to retain data indefinitely in case we need to refer to this information, even after you are no longer a client.
Accessing your information
Please contact us directly if you would like to request to see a copy of the information we hold about you.
We have an obligation to keep your information accurate and up to date. If you would like your information to be updated, please get in touch with us.
Subject to certain exceptions, you are entitled to have access to your personal and sensitive information held by us. We may refuse such requests and if we do we will inform you of this decision and why.
We will also keep records of events that have taken place. You may request to see your records at any time, and for us to update your record if you do not believe it accurately reflects what happened, what was discussed or agreed. You may ask us to correct or remove (where justified) any inaccurate information. You have the right to request deletion of your personal data. We will endeavour to comply with your request subject to the restrictions of our regulatory obligations and legitimate interests.
Sending you information about our products and services
If at any time you no longer want us to stay in touch with you, please contact:
The Data Protection Officer on 01792974111 or in writing at Lotus Life Review, 3 J Shed, Kings Road, Swansea SA1 8PL
You can also stop these email communications at any time by simply clicking on the ‘unsubscribe’ button contained within all emails we send.
Updates to this privacy policy.
Lotus Life Review will amend this privacy policy from time to time. We recommend you check and read this policy regularly.
If you have any questions regarding this policy, please contact us
Complaints regarding our services
If you wish to raise a concern or have any complaint about the service you have received, please use the following details to get in touch with us:
Compliance Director, Lotus Life Review, 3 J Shed, Kings Road, Swansea SA1 8PL
Telephone: 01792 974111
Email : info@lotuslifereview.co.uk
For your further protection and in the event you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (‘FOS’).
Full details about the FOS can be found on its website www.financial-ombudsman.org.uk. Further details are contained within our internal complaints procedure, which is available on request
Complaints regarding your data
If you wish to raise a concern or have any complaint about the way we are handling your data please write to: The Compliance Director, Lotus Life Review, 3 J Shed, Kings Road, Swansea SA1 8PLTelephone: 01792 974111
For your further protection and in the event you cannot settle your complaint with us, you may be entitled to refer it to the Information Commissioners Office (‘ICO’).
Full details about the ICO can be found on its website ico.org.uk. or you can write to them:
Information Commissioners office:
Wycliffe House
Water lane
Wilmslow
Cheshire
SK9 5AF
How to contact us
If you have any questions about our privacy policy or information we hold about you, then please get in touch with us:.
Telephone: 01792 974111
Email: info@lotuslifereview.co.uk
Or write to us at:
Lotus Life Review, 3 J Shed, Kings Road, Swansea SA1 8PL.
Cookies and Web beacons
Cookies are data files that a Web site sends to your computer while you are viewing the site. These data files include information that allows this site to remember important information that will make your use of the site more efficient and useful to you. Lotus Life Review’s site uses cookies for a variety of purposes. We use cookie technology and IP addresses to obtain non-personal information from on-line visitors, and also to provide registered visitors with the best possible personalized on-line experience.
How do we use cookies?
Visitors to Lotus Life Review’s sites use different web browsers and different computers. To make your visits as easy as possible with the technology you use, we automatically keep track of the type of browser (e.g., Internet Explorer, Chrome, Firefox, Safari) and operating system (e.g., Windows, Mac) used by a visitor, and the domain name of the visitor’s internet service provider. We also track the total number of visitors to this site in an aggregate form to allow us to update and improve this site; personally identifiable information is not extracted in this process. This data tells us if more visitors prefer certain features or areas to others, which helps us keep this site fresh and interesting to the majority of visitors.
How do we use cookies to personalize your experience on Lotus Life Review’s site?
Cookie technology helps Lotus Life Review to deliver content tailored to a visitor’s interests, and allows us to make ordering products, entering and participating in sweepstakes and contests, and offering other onsite functions easier for visitors. Sites that offer online shopping use cookies to remember and process the items in your shopping cart. Where permitted, we may associate personal information with a cookie file in such instances.
What if I don’t want cookies?
If you don’t want cookies, you can set your computer to warn you each time a cookie is being sent or turn off all cookies through your browser. If you disable cookies, you may be unable to access some of the features noted above.
What are Web beacons and how do you use them?
Some of the Lotus Life Review’s web pages and e-mail updates may contain electronic images called web beacons, sometimes known as one pixel GIFs, clear GIFs or pixel tags. On websites, these allow us to count visitors who have viewed web pages. In promotional email messages/newsletters they allow us to count how many subscribers have read them. Web beacons allow us to develop statistical information about the activities and features that most interest consumers for the purpose of providing more personalized content. They are not used to access personally identifiable information without your consent.
When you use the Lotus Life Review website, you agree to us collecting and using information as we have described.
Telephone calls may be monitored and/or recorded.
Notwithstanding our rights under these terms and conditions in relation to user content, we do not undertake to monitor the submission of such content to, or the publication of such content on, our website.
