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Terms of Business and Conditions

Click here to view our Key Facts

Click here for information about the FCA

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Jurisdiction

This site is intended for use only by those who can access it from within the UK.

 

Governing Law

This site is governed by the laws of the country of the UK within which you reside and any dispute or action arising out of this site shall be determined in accordance with such laws.

 

Contacts

If you believe any information on this site is inaccurate of have any suggestions on how the content of this site could be improved or if you have questions on a particular product or service please contact us on info@cyhc.co.uk

 

Changes

We will update the content of this notice from time to time.  Please ensure that you visit this page regularly and refresh your browser to ensure your information is up to date. 

Customer Responsibility

It is your responsibility to ensure that your computer is virus protected.  Compare your Healthcare accepts no responsibility for any loss you may suffer as a result of accessing or downloading information from this site.

 

Accuracy and Validity of information

Whilst we take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date.  It is nonetheless supplied on an 'as is' basis and accordingly we do not accept any liability for any error or omissions.  If you are in any doubt as to the validity of information made available within these pages.  We recommend you seek verification by contacting us.

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If you have a complaint about our service, please let us know and we will attempt to resolve it as quickly as possible.  If we have not been able to resolve the complaint to our mutual satisfaction within 8 weeks from the date you notify us, you may have the right to take your complaint to the Financial Ombudsman Service, the independent arbiter in financial services.

When you make a complaint, what will happen?

 

1.  We will send you a letter acknowledging receipt of your complaint within 3 days of receiving it, enclosing a copy of the procedure.

2.  We will then investigate your complaint.  This will normally involved passing your complaint to the relevant individual who will review the matter & speak to the member of staff who acted for you.

3.  Your complaint will be addressed and we will endevour to resolve within 14 days.

4.  We will write to you to confirm our response.

5.  If ytour complaint remains unresolved after 8 weeks, you may have the right to take your complaint to the Financial Ombudsman - address below.

 

For more information about our complaints procedure you can view here.

 

The Financial Ombudsman Service

Exchange Tower

London

E14 9SR

 

Availability

Whilst we take all reasonable steps to ensure this website is always accessible we not be held liable if, for any reason, the website is unavailable for any period.  We may also have to suspend access to the website for routine or emergency updates and maintenance but we will endeavour to keep any disruption to a minimum.  In addition we cannot warrant that this website will be free of viruses or defects of any description and we will not be held responsible for any technical problems you may suffer as a result of your use of this site.

 

Cookies

This Site, like many others, uses small files called cookies to help us customise your experience.  Find out more about your cookies and how you can control them.  Cookies are small text files that are stored by the browser on your computer or mobile phone.  They allow websites to store things like user preferences.  You can think of cookies as providing ‘memory’ for the website, so that it can recognise you when you come back and respond automatically.

Third Party Websites

This website may also contain hypertext links to websites operated by third parties.  The responsibility for the operation and content of those websites shall rest solely with the organisation identified as controlling the third party website and will be governed by separate terms and conditions.  Links are provided for convenience and inclusion of any link does not imply endorsement in any way of the site to which it links.  We accept no responsibility or liability or liability for the contents of any linked website.

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This Site, like many others, uses small files called cookies to help us customise your experience.  Find out more about your cookies and how you can control them.  Cookies are small text files that are stored by the browser on your computer or mobile phone.  They allow websites to store things like user preferences.  You can think of cookies as providing ‘memory’ for the website, so that it can recognise you when you come back and respond automatically.

 

Privacy Statement

Compare your Healthcare Ltd. is registered with the Information Commissioners Office registration reference ZA053755 & endeavours to follow all the guidelines and rules set out in the Data Protection Act 1998.  We will not disclose your personal information to any third parties unless it is necessary to do so.  On those occasions when we do need to disclose personal information such as preparing key facts illustrations for your, processing your business, or obtaining compliance and regulatory advice, we will do so on a confidential basis and in accordance with the Data Protection Act.

 

Privacy Policy

We have notified our processing of personal data under the GDPR.  We respect your personal information and will not use your personal information in any way that we would not accept our selves.  We have set out the following information about how we manage the personal information that we collect.  If you have any comments or concerns regarding our privacy policy please contact us.

Our cookie policy

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Introducers

If you are recommending a person or persons to our service it is your responsibility in its entirety to ensure that all GDPR compliance points are satisfied.  You must obtain a persons verbal agreement to be contacted by which ever means you tell us to contact them by.  If this has not been completed properly, or the individual has not given their consent, we accept no responsibility in any potential complaint that may arise.  By submitting an individuals information you agree to these terms. 

 

What are cookies?

Cookies are simple text files that most websites store on your computer or mobile device when you access a site. Only the particular website server is able to retrieve or read the contents of the cookies it sets. Cookies contain anonymous information and allow a website to remember things about your visit to the site, such as what brought you to the site, your preferences or what's in your shopping basket. Some are placed only for the particular session and 'self destruct' when you end the browser session, others stay on your PC for a set period (typically a few months, but it can be longer) even after you have logged off.

 

Do we use cookies?

Yes, we do. We store two first party cookies on your computer - the first of which is known as a session cookie. This cookie is called 'PHPSESSID'. It stores absolutely no personal information about you and is used purely for analytical purposes so we can see what brought you to our website. The second first party cookie is called usaybusi_cookie and is used for analytical purposes for us to understand how you use our website. There are also third party cookies set by both Twitter and Google in order to use their social buttons located at the bottom of the page.

 

How to remove cookies?

You can prevent cookies from being stored on your computer, but be warned, your experience on the internet (not just our site) will be diminished by doing so. For example, websites will treat each visit as if you had never used the site before, so it won't save things like your user name, preferences or items in a shopping basket. If you would still like to remove cookies, we have a guide on our website here.

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Maintaining your privacy is really important to us. You entrust us with sensitive information, and we take that responsibility seriously. We will not disclose your personal details to any third parties unless it is necessary or where we are legally obliged to do so.  This is usually only shared to obtain quotes and will be discussed with you prior.

This Privacy Policy explains how we collect, store, and process personal data in the provision of services to our clients and users of our websites. We hope the following sections will answer any questions you have but if not, please do get in touch with us using one of the options in the ‘How To Contact Us’ section.

It is likely we will need to update our Policy from time to time.  This version is dated May 2018.

Controller and Processor

We are the “Controller” and “Processor” of your personal information. Your personal information will be securely stored confidentially on our computer systems and/or in paper files. When you are using Compare Your Healthcare websites, Compare Your Healthcare Ltd is the data controller. By using our website, you’re agreeing to be bound by our Privacy Policy.

About us

Compare Your Healthcare Ltd is authorised by the Financial Conduct Authority (FCA). We are registered with the Information Commissioner’s Office under registration number ZA053755.  

For simplicity throughout this notice, ‘we’ and ‘us’ means Compare Your Healthcare Ltd and its brands.

The legal bases we rely on

The law on data protection sets out a number of different reasons for collecting and processing your personal data, including:

  • Consent: In specific situations, we collect and process your data with your consent.  For example, when you tick a box to receive email newsletters.

  • Contractual obligations: In certain circumstances, we need your personal data to conduct annual policy reviews.

If you have any concerns about this processing, you have the right to object to processing that is based on our legitimate interests.  You can do that by contacting us using one of the options in the ‘How To Contact Us’ section.

How we collect your personal data

Under GDPR personal information is defined as “any information relating to an identified or identifiable natural person”.  Personal data, or personal information means any information about an individual, from which that person can be identified. We collect personal data, or personal information, directly from you, for example when you:

  • Visit any of our websites, and complete a form;

  • Contact us by any means to enquire about us, our services etc.

  • Engage with one of our marketing emails or on social media.

  • Engage us to provide services;

  • Subscribe to our services; 

  • Request or agree to a policy review

We may, also, obtain information about you from publicly available sources and collect website usage information using cookies (see “Cookies” section below).

The personal data we collect

The different types of personal data we may collect about you could include:

  • Identity Data: includes your title, full name and maiden name if applicable, date of birth, sex, marital status, passport, driving licence data or other identity card;

  • Contact Data: includes email address, telephone numbers and home address;

  • Financial Data: includes bank account details and related information;

  • Usage Data: includes information about how you use our website, products and services.

How information is used

We may use your information in the following ways:

  • To obtain quotes from our panel of insurers

  • To fulfil our legal and regulatory obligations;

  • Seek your views or comments on the services we provide;

  • Notify you of changes to our services;

  • Send you communications which you have requested and that may be of interest;

  • For marketing purposes and based on ‘Legitimate Interests’.  You are free to opt out of at any time;

  • For other legitimate business purposes.

If you wish to change how we use your data, you’ll find details in the ‘Your Rights’ section below. Remember, if you choose not to share your personal data with us, or refuse certain contact permissions, we might not be able to provide some services you’ve asked for.

Retention period for using your personal data

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, regulatory or reporting requirements. To determine the appropriate retention period for personal data, we consider:

  • the amount, nature, and sensitivity of the data;

  • the potential risk of harm from unauthorised use or disclosure of the data;

  • the purposes for which we process the data; and

  • the applicable legal requirements.

Personal data will generally not be held for more than seven years after the end of the relationship/appointment, unless otherwise prescribed by law or regulation.

How we share your information

We do not sell or distribute your personal data for commercial gain.  We may process your personal data without your knowledge where this is required or permitted by law.

We may have to share your personal data with

  •  Trusted third party service providers;

  • Our auditors, insurers or regulatory bodies;

  • Insurers, whom you have given permission for us to share your data with;

  • Third parties to whom we may sell or merge our businesses or assets.

All our third party service providers are required to take appropriate security measures to protect your personal information in line with our policies. We work closely with them to ensure that your privacy is respected at all times. We only permit them to process your personal information for specified purposes and in accordance with our instructions.

Your rights

Whenever we process data we will ensure that we always keep your personal data rights in high regard and take account of these rights. You have the right to object to this processing if you wish, by contacting us using one of the options in the “How To Contact Us” section. Please bear in mind that if you object this may affect our ability to carry out tasks for your benefit.

We want to make sure that your personal information is accurate and up to date. You have the right to request a copy of the information that we hold about you. You may ask us to correct or remove information you think is inaccurate.

If you would like a copy of some or all your personal information, please contact us using one of the options in the “How To Contact Us” section.  If you are not satisfied with our response or believe that we are not processing your personal data in accordance with the law, you can complain to the Information Commissioner’s Office (ICO).

Security precautions in place to protect the loss, misuse or alteration of your information

When you give us personal information, we take steps to ensure that it’s treated securely. Policies and procedures are in place to safeguard it from loss, misuse and improper disclosure.  We, also, have procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so. Any information submitted using website forms is encrypted and protected with 128 Bit encryption on SSL. When you are on a secure page, a lock icon will appear at the top of web browsers such as Microsoft Internet Explorer.

How to contact us

Please contact us if you have any questions about our Privacy Policy or information we hold about you by writing to us.

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