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 Privacy policy | Royal London Skip to main content Search Royal London Home Legal & Cookies Privacy policy Open breadcrumb menu Search Royal London Home Legal & Cookies Privacy policy Terms of use Cookie policy Complaints policy Accessibility Privacy policy Privacy Policy Royal London is single-minded to protecting and respecting your privacy This notice describes how we collect, store, use and share personal information. It moreover explains the rights you may have in relation to the personal information that we hold well-nigh you. It applies to personal information provided to us, both by you or by others on your behalf. Who we are When we say ‘we’ or ‘us’ in this notice we are referring to The Royal London Mutual Insurance Society Limited, a visitor registered in England and Wales (registration number: 99064) and in Ireland (registration number: 908341). What kinds of personal information do we hold well-nigh you? We may collect and process the pursuit information well-nigh you: information well-nigh you - such as your name, age, gender, stage of lineage or nationality. We need this information to help us identify you, but moreover to indulge us to contact you at the right time - such as when you’re unescapable the end of your policy term government identifiers – for example information from your identification documents, such as your driving licence or passport contact information – for example your address, Eircode, email address, or phone numbers online information – for example cookies and IP write (your computer’s internet address), if you use our websites financial information – for example salary and your wall worth details for any payments to us or we make to you. If we need to verify information on your finances, we may require copies of your financial finance audio or video recordings – for example voice recording when you contact us, well-constructed a survey at the end of a undeniability to ourConsumerServices Team or CCTV footage if you visit our offices. Calls may be recorded for training and monitoring purposes to help us continually modernize our consumer service contractual information – for example details well-nigh your products and benefits family & beneficiaries information – for example your marital status, dependants, next of kin or nominated beneficiaries underwriting information – for example your job, interests, travel, health, family history and other relevant risk factors. For larger cases we may need spare financial information. We use this information to establish if, and on what terms, we can offer you insurance imbricate When we collect your information, we’ll let you know if any of it is optional. If it is, we’ll explain why it would be useful to us, and you can decide whether it’s something you’re happy for us to have. We may collect and process the pursuit information well-nigh you: information well-nigh you - such as your name, age, gender, stage of lineage or nationality. We need this information to help us identify you, but moreover to indulge us to contact you at the right time - such as when you’re unescapable the end of your policy term government identifiers – for example information from your identification documents, such as your driving licence or passport contact information – for example your address, Eircode, email address, or phone numbers online information – for example cookies and IP write (your computer’s internet address), if you use our websites financial information – for example salary and your wall worth details for any payments to us or we make to you. If we need to verify information on your finances, we may require copies of your financial finance audio or video recordings – for example voice recording when you contact us, well-constructed a survey at the end of a undeniability to ourConsumerServices Team or CCTV footage if you visit our offices. Calls may be recorded for training and monitoring purposes to help us continually modernize our consumer service contractual information – for example details well-nigh your products and benefits family & beneficiaries information – for example your marital status, dependants, next of kin or nominated beneficiaries underwriting information – for example your job, interests, travel, health, family history and other relevant risk factors. For larger cases we may need spare financial information. We use this information to establish if, and on what terms, we can offer you insurance imbricate When we collect your information, we’ll let you know if any of it is optional. If it is, we’ll explain why it would be useful to us, and you can decide whether it’s something you’re happy for us to have. How we use your personal information We use the information we obtain directly from you or your FinancialUsurerfor a number of reasons: setting up and overseeing your policy completing any requests or claims you make verifying your identity and preventing fraud researching our customers’ opinions and new ways to meet our customers’ needs assessing and developing our products, systems, prices and trademark fulfilling any legal or regulatory obligations sending you information monitoring our websites Where do we get your information from? Most of the information we get comes directly from you or your Financial Broker. We may moreover obtain personal information well-nigh you from other sources: Tracing companies - if we lose touch we may use a trusted 3rd party to find you and reunite you with your policy, if we can. Medical Professionals – for example if we need information for underwriting purposes or to support an ill health claim. Data Brokers; If we need contact information (email and phone numbers) to siphon out consumer research, promote trademark sensation or remind you well-nigh the benefits of your plan or; To help put our customers into groups for product minutiae and towage purposes. Credit reference agencies - so we can trammels your identity. ‘Third party’ cookies - to collect information on how visitors use our website. Our cookie policy can requite you increasingly information. Premium quotation services - If your FinancialUsurerused a quotation service to obtain premium quotes for you, the service provider may share some of your information with us. Most of the information we get comes directly from you or your Financial Broker. We may moreover obtain personal information well-nigh you from other sources: Tracing companies - if we lose touch we may use a trusted 3rd party to find you and reunite you with your policy, if we can. Medical Professionals – for example if we need information for underwriting purposes or to support an ill health claim. Data Brokers; - If we need contact information (email and phone numbers) to siphon out consumer research, promote trademark sensation or remind you well-nigh the benefits of your plan or; - To help put our customers into groups for product minutiae and towage purposes. Credit reference agencies - so we can trammels your identity. ‘Third party’ cookies - to collect information on how visitors use our website. Our cookie policy can requite you increasingly information. Premium quotation services - If your FinancialUsurerused a quotation service to obtain premium quotes for you, the service provider may share some of your information with us. What are our legal grounds for using your personal information? Data Protection gives organisations a number of variegated conditions under which your information may be processed lawfully. We’ll only use your personal information when one of these conditions has been satisfied.Unelevatedyou can see how we use your information and the legal grounds for processing this: Legal Grounds Use of your information Consent Your personal information may be processed when we receive your consent.The consent you provide must be freely given, informed, specific, unambiguous and given with a positive, affirmative action.Your consent can be withdrawn at any time. Cookies On our website we use ‘third party’ cookies that collect information well-nigh how visitors use our website. Please see our cookie policy for remoter information. Necessary for the performance of a contract The personal information you provide or that of a joint party to the contract may be processed when it is necessary in order to enter into or perform a contract. E.g. where we process your information to assess your using or to provide your policy.                 Setting up and overseeing your policy This covers all the usual activities, such as: processing your using managing any changes of personal details such as changes of write or name responding to queries or complaints keeping you updated well-nigh your products, such as sending you yearly statements and reminders managing internal management information to meet consumer obligations Completing any requests or claims you make This includes: waffly your imbricate waffly the terms of your policy or who is covered processing a requirement in the unfortunate event of your ill health or death If we lose touch We may use a trusted 3rd party to find you and reunite you with your policy. Necessary for compliance with a legal obligation Your Personal information may be processed where Royal London has a legal obligation to perform such processing. E.g. where we share information with our regulators or the courts.         Verifying your identity and preventing fraud We may need to trammels your identity at relevant times to protect you from risks. This is not a credit trammels and does not stupefy your credit rating. We sometimes need copies of your identification documents, or identification numbers, for example, passport or driving licence number, if we need to do uneaten checks. This is to make sure we meet our obligations with anti-money laundering or other laws. Fulfilling any legal or regulatory obligations These will vary equal to the nature of the product you have taken out. For example we will need to let you know when government levies are changed. Necessary to protect vital interests This will usually only wield in "life-or-death" scenarios. We may unroll your information to An Garda Síochána or other authorities if we have serious concerns well-nigh your wellbeing. Necessary for an insurance product The Irish laws that brought GDPR into effect gave legal grounds for processing your medical information in connection with an insurance product.   We’ll obtain information well-nigh you from medical professionals if it’s needed for underwriting your policy or for claims assessment. We’ll moreover obtain information from a medical professional in the event of a death claim. We’ll share your information with our reinsurers if we need flipside opinion on our underwriting, so we can offer terms for specialist cases that are increasingly ramified or for large sums assured. Necessary for legitimate interests We moreover use your information when we have a “legitimate interest” and that interest isn’t outweighed by your privacy rights. Each worriedness is assessed and your rights and freedoms are taken into worth to ensure that we’re not stuff intrusive or doing anything vastitude your reasonable expectation. We’ll assess the information we need, so we only use the minimum. If you want remoter information well-nigh processing under legitimate interests you can contact us using the details below. You moreover have the right to object to any processing washed-up under legitimate interests. We’ll re-assess the wastefulness between our interests and yours, considering your particular circumstances. If we have a compelling reason we may still protract to use your information. We use legitimate interests for the following: Use of your information Legitimate Interests Assessing and developing our products, systems, prices and trademark Our products are ripened with a particular set of consumer needs in mind. In order to make sure your policy is still suitable for you and is working as we intended, we combine your information with other customers’ to analyse and segment it. We moreover combine your information with other customers’ to assess how much money we need to have misogynist at any time.     We need to be worldly-wise to identify groups of customers who will want new products or services that we are considering developing. We need to develop those products and services, and make sure our product charges are fair. We need to make sure we are treating you fairly and trammels your product is suitable for you. We need to make sure we have unbearable money to pay our customers when the time comes. We’ll use your underwriting responses and claims information to analyse how we can redesign products or make our underwriting process easier, with largest outcomes for potential customers and policyholders. We’ll moreover use your underwriting and claims information for wider pricing analysis. Researching our customers' opinions and new ways to meet our customers' needs We may self-mastery research surpassing we launch new products or surpassing we make changes or improvements to existing products to make sure it’s the right thing to do. We might moreover self-mastery research to ask customers what they think of Royal London, our products and services. Where we don’t have your contact details, we may obtain your telephone number from data brokers (e.g. Experian) to contact you for a research project. However we unchangingly take steps to trammels that you have not objected to such contact, e.g. by checking the National Directory Database. We need to make sure our products are suitable for the intended regulars and to identify gaps in the market. We need to see how many categories of customers we have and to tailor our products and services accordingly. We need to make sure our communications are easy to understand and that our products are stuff sold to the correct audience. We need to make sure our research is efficient and connects with the right types of people, so we can be confident of any decisions we make based on the results. Marketing We don’t currently market other products to you, but we reconsider this at regular intervals and may segregate to do this in the future. Where these communications are marketing and therefore optional, we will make it well-spoken that you can opt out of these. We need to ensure our communications are in line with Royal London’s values as a member-owned organisation. We moreover need to grow and sustain our merchantry and to develop our brand. Monitoring the use of our websites On our websites we use a variety of technologies that collect information well-nigh how visitors use our website. We need to make sure that our websites work well and are secure.   Who do we share your personal information with? As you’d expect, our employees will wangle your records in order to use your information for the uses mentioned above. However, only those employees who need wangle to particular information are given it. For example, our consumer service staff need wangle to your policy details to support you when you get in contact, and our research team will need wangle to a subset of your information to perform their analysis. We regularly trammels who has wangle to our systems. We may moreover share your personal information with these third parties: your Financial Broker. For example, you may have authorised your FinancialUsurerto: o make changes for you o only obtain copies to squint without your products If you have scheduled a FinancialUsurerthey will receive reports on your policy status and the legation they earn based on this. This information helps your usurer provide translating and services to you. our service providers and teachers e.g. mailing houses for printing, offsite storage and confidential waste disposal companies, and IT companies who support our technology our professional advisers: auditors, reinsurers, medical professionals, legal tutors and other insurance providers identity hallmark and fraud prevention agencies Revenue Commissioners and regulators such as the CentralWallof Ireland and the Data ProtectionLegationmarket research agencies data brokers in order for us to source contact details for research, where towardly if you use uncontrived debits we will share your information with our wall As you’d expect, our employees will wangle your records in order to use your information for the uses mentioned above. However, only those employees who need wangle to particular information are given it. For example, our consumer service staff need wangle to your policy details to support you when you get in contact, and our research team will need wangle to a subset of your information to perform their analysis. We regularly trammels who has wangle to our systems. We may moreover share your personal information with these third parties: your Financial Broker. For example, you may have authorised your FinancialUsurerto: - make changes for you - only obtain copies to squint without your products If you have scheduled a FinancialUsurerthey will receive reports on your policy status and the legation they earn based on this. This information helps your usurer provide translating and services to you. our service providers and teachers e.g. mailing houses for printing, offsite storage and confidential waste disposal companies, and IT companies who support our technology our professional advisers: auditors, reinsurers, medical professionals, legal tutors and other insurance providers identity hallmark and fraud prevention agencies Revenue Commissioners and regulators such as the CentralWallof Ireland and the Data ProtectionLegationmarket research agencies data brokers in order for us to source contact details for research, where towardly if you use uncontrived debits we will share your information with our wall Overseas Transfers We sometimes use third parties located in other countries to provide support services. As a result, your personal information may be processed in countries outside the European Economic Area (EEA). These services will be carried out by experienced and reputable organisations on terms which safeguard the security of your information and comply with the European data protection requirements. Some countries have been assessed by the EU as stuff ‘adequate’, which ways their legal system offers a level of protection for personal information which is equal to the EU’s protection. Where the country hasn’t been assessed as adequate, the method we have chosen to safeguard your information is standard contractual clauses. The EuropeanLegationhas recognised ‘standard contractual clauses’ as offering unobjectionable safeguards to protect your rights and we’ll use these where required ensuring unobjectionable protection for your information. The EuropeanLegationapproved standard contractual clauses are misogynist here. We use standard contractual clauses for the unelevated activities, to help us provide: IT support and technology minutiae with operations based in India global reassurance partners with operations based in the United States and Bermuda other service providers, research partners and administrators with operations based in India and the United States We unchangingly ensure all personal information is provided with unobjectionable protection and all transfers of personal information outside the EEA are washed-up lawfully. We sometimes use third parties located in other countries to provide support services. As a result, your personal information may be processed in countries outside the European Economic Area (EEA). These services will be carried out by experienced and reputable organisations on terms which safeguard the security of your information and comply with the European data protection requirements. Some countries have been assessed by the EU as stuff ‘adequate’, which ways their legal system offers a level of protection for personal information which is equal to the EU’s protection. Where the country hasn’t been assessed as adequate, the method we have chosen to safeguard your information is standard contractual clauses. The EuropeanLegationhas recognised ‘standard contractual clauses’ as offering unobjectionable safeguards to protect your rights and we’ll use these where required ensuring unobjectionable protection for your information. The EuropeanLegationapproved standard contractual clauses are misogynist here. We use standard contractual clauses for the unelevated activities, to help us provide: IT support and technology minutiae with operations based in India global reassurance partners with operations based in the United States and Bermuda other service providers, research partners and administrators with operations based in India and the United States We unchangingly ensure all personal information is provided with unobjectionable protection and all transfers of personal information outside the EEA are washed-up lawfully. Security We use Transport Layer Security (TLS) to encrypt and protect email traffic. We moreover use the Clearswift Managed Email Security Service to protect our outgoing email traffic. However, if your email service doesn’t support TLS or if you do not wish to use our Clearswift Managed Email Security Service, we may not be worldly-wise to communicate with you by email, and any emails we do send or receive will not be protected by encryption. We recommend you don’t send anything confidential to us by email. We may moreover transpiration our Email Security Service provider at any time without notice and without waffly the provision in this notice. Once we receive your information, we use strict procedures and security features to protect your information from unauthorised access. We use Transport Layer Security (TLS) to encrypt and protect email traffic. We moreover use the Clearswift Managed Email Security Service to protect our outgoing email traffic. However, if your email service doesn’t support TLS or if you do not wish to use our Clearswift Managed Email Security Service, we may not be worldly-wise to communicate with you by email, and any emails we do send or receive will not be protected by encryption. We recommend you don’t send anything confidential to us by email. We may moreover transpiration our Email Security Service provider at any time without notice and without waffly the provision in this notice. Once we receive your information, we use strict procedures and security features to protect your information from unauthorised access. How long do we alimony your personal information for? We will retain your personal information for as long as it is considered necessary for the purpose for which it was collected, and to comply with our legal and regulatory requirements. This will involve retaining your information for a reasonable period of time without your policy or your relationship with us has ended. In the sparsity of specific legal, regulatory or contractual requirements, our retention period for records and other documentary vestige created in the provision of services is seven years without your policy has ended. However there are a few exceptions to this rule. We alimony underwriting and quote information for 10 years, to indulge us to assess whether our policy imbricate is appropriate. We need information for the longer period, to make sure we can evaluate a large unbearable number of cases and make informed decisions. We will retain your personal information for as long as it is considered necessary for the purpose for which it was collected, and to comply with our legal and regulatory requirements. This will involve retaining your information for a reasonable period of time without your policy or your relationship with us has ended. In the sparsity of specific legal, regulatory or contractual requirements, our retention period for records and other documentary vestige created in the provision of services is seven years without your policy has ended. However there are a few exceptions to this rule. We alimony underwriting and quote information for 10 years, to indulge us to assess whether our policy imbricate is appropriate. We need information for the longer period, to make sure we can evaluate a large unbearable number of cases and make informed decisions. Do we make solely streamlined decisions well-nigh you or profile you?Streamlineddecisions are where a computer makes a visualization well-nigh you without a person stuff involved. We moreover profile our customers which ways we make assumptions well-nigh you to help us treat you fairly. Underwriting We make streamlined decisions well-nigh you as part of the underwriting journey. We ask relevant information well-nigh your job, interests, travel, health and family history – for example we need to know if one of your interests is skydiving, as this would increase your risk and potentially your premium. You have the right to ask for a person to review the streamlined decision, so you can moreover ask for the visualization to be made via our transmission underwriting process. There are some cases where we won’t be worldly-wise to offer a visualization online and will need your using to be reviewed by our underwriting team. They may request remoter information from you or from your medical professional surpassing we’ll be worldly-wise to personize whether we can offer you cover, and on what basis. Note that if the visualization to ripen the merchantry is confirmed, this would need to be disclosed if you wield for insurance elsewhere. 7 | P A G E LONGPRIVACYNOTICE ROYAL LONDON Vulnerability Many people will be vulnerable at some point in their life and when an individual is identified as a potentially vulnerable person, for example due to age, we do make a note of this on our systems, including the category of vulnerability and may tailor our tideway to the needs of the individual.Streamlineddecisions are where a computer makes a visualization well-nigh you without a person stuff involved. We moreover profile our customers which ways we make assumptions well-nigh you to help us treat you fairly. Underwriting We make streamlined decisions well-nigh you as part of the underwriting journey. We ask relevant information well-nigh your job, interests, travel, health and family history – for example we need to know if one of your interests is skydiving, as this would increase your risk and potentially your premium. You have the right to ask for a person to review the streamlined decision, so you can moreover ask for the visualization to be made via our transmission underwriting process. There are some cases where we won’t be worldly-wise to offer a visualization online and will need your using to be reviewed by our underwriting team. They may request remoter information from you or from your medical professional surpassing we’ll be worldly-wise to personize whether we can offer you cover, and on what basis. Note that if the visualization to ripen the merchantry is confirmed, this would need to be disclosed if you wield for insurance elsewhere. Vulnerability Many people will be vulnerable at some point in their life and when an individual is identified as a potentially vulnerable person, for example due to age, we do make a note of this on our systems, including the category of vulnerability and may tailor our tideway to the needs of the individual. What are my rights? Your rights are outlined below. The easiest way to exercise any of your rights would be to contact our Data Protection Officer at the contact details provided. We will provide a response within 30 days, if not sooner. There is normally no tuition for exercising any of your rights. Accessing your personal information You have the right to find out what personal information we hold well-nigh you, in many circumstances. Correcting or subtracting to your personal information If any of your details are incorrect, inaccurate or incomplete you can ask us to correct them or to add information. Data Portability In some circumstances you can ask us to send an electronic reprinting of the personal information you have provided to us, either to you or to flipside organisation. Objecting to the use of your personal information for legitimate interests You moreover have the right to object to any processing washed-up under legitimate interests. We will re-assess the wastefulness between our interests and yours, considering your particular circumstances. If we have a compelling reason we may still protract to use your information. Objecting toUncontrivedMarketing You have a specific right to object to our use of your information for uncontrived marketing purposes, which we will unchangingly act upon. Restricting the use of your personal information If you are uncertain well-nigh the verism or our use of your information, you can ask us to stop using your information until your query is resolved. We will let you know the outcome surpassing we take any remoter whoopee in relation to this information. Right to Erasure You can ask us to delete your personal information in some circumstances, such as if your policy has ended and we do not need to alimony your information for legal or regulatory reasons. If we are using consent to process your information and you withdraw it, you can ask us to erase your information. Your rights are outlined below. The easiest way to exercise any of your rights would be to contact our Data Protection Officer at the contact details provided. We will provide a response within 30 days, if not sooner. There is normally no tuition for exercising any of your rights. Accessing your personal information You have the right to find out what personal information we hold well-nigh you, in many circumstances. Correcting or subtracting to your personal information If any of your details are incorrect, inaccurate or incomplete you can ask us to correct them or to add information. Data Portability In some circumstances you can ask us to send an electronic reprinting of the personal information you have provided to us, either to you or to flipside organisation. Objecting to the use of your personal information for legitimate interests You moreover have the right to object to any processing washed-up under legitimate interests. We will re-assess the wastefulness between our interests and yours, considering your particular circumstances. If we have a compelling reason we may still protract to use your information. Objecting toUncontrivedMarketing You have a specific right to object to our use of your information for uncontrived marketing purposes, which we will unchangingly act upon. Restricting the use of your personal information If you are uncertain well-nigh the verism or our use of your information, you can ask us to stop using your information until your query is resolved. We will let you know the outcome surpassing we take any remoter whoopee in relation to this information. Right to Erasure You can ask us to delete your personal information in some circumstances, such as if your policy has ended and we do not need to alimony your information for legal or regulatory reasons. If we are using consent to process your information and you withdraw it, you can ask us to erase your information. Right to mutter to the supervisory validity If you are unhappy with how we are using your information, you have the right to mutter to the Data ProtectionLegationunder GDPR. We would encourage you to contact us first, so we can deal with your concerns. The Data Protection Commission’s office can be contacted by: Visiting their website: www.dataprotection.ie. Email: info@dataprotection.ie Phone: +353 (0)57 8684800 or +353 (0)761 104 800 Write to: Data Protection Commission, Canal House, Station Road, Portarlington, Co. Laois, R32 AP23, Ireland. OR Data Protection Commission, 21 Fitzwilliam Square, Dublin 2, D02 RD28, Ireland. If you are unhappy with how we are using your information, you have the right to mutter to the Data ProtectionLegationunder GDPR. We would encourage you to contact us first, so we can deal with your concerns. The Data Protection Commission’s office can be contacted by: Visiting their website: www.dataprotection.ie Email: info@dataprotection.ie Phone: +353 (0)57 8684800 or +353 (0)761 104 800 Write to: Data Protection Commission, Canal House, Station Road, Portarlington, Co. Laois, R32 AP23, Ireland. OR Data Protection Commission, 21 Fitzwilliam Square, Dublin 2,   D02 RD28, Ireland. Changes to the way we use your information If we want to use your personal information for a new purpose which we haven’t previously told you about, we will contact you to explain the new use of your information. We will set out why we are using it and our legal reasons. Changes to our Privacy Notice Making sure that we alimony you up to stage with privacy information is a continuous responsibility and we alimony this notice under review. We will update our notice as changes are required. This Privacy Notice was last updated on the 08 May 2018. Making sure that we alimony you up to stage with privacy information is a continuous responsibility and we alimony this notice under review. We will update our notice as changes are required. This Privacy Notice was last updated on the 23 May 2018. Contact Us If you have any questions or comments regarding this privacy notice, or if you are unhappy well-nigh the way Royal London uses your information, please contact us using the details below: Post: Royal London, 47-49 St Stephen’s Green, Dublin 2. Email: GDPR@royallondon.ie If you have any questions or comments regarding this privacy notice, or if you are unhappy well-nigh the way Royal London uses your information, please contact us using the details below: Post: Royal London, 47-49 St Stephen’s Green, Dublin 2. Email: GDPR@royallondon.ie Close Privacy Notice Download Our Full Privacy Notice as a PDF document. View Privacy Notice RLAM Scottish Life Scottish Provident Bright Grey RL (CIS) Ascentric Please note: These sites are not yet optimised for mobile Privacy Notice Legal and cookies Contact Us Contact Us Legal and cookies Privacy Notice Accept Cookies We use cookies to help us modernize your online experience. 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