1. How We Use Your Information
   At Life Insurance Northern Ireland, we are committed to safeguarding your personal data in accordance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and other relevant laws. In this notice, references to “we”, “our” or “Life Insurance Northern Ireland” refer to Life Insurance Northern Ireland Limited, a UK-based life insurance brokerage.
   We offer two types of services:

• Non-advised: where we supply you with information and quotes tailored to your needs, allowing you to make an informed choice.
• Advised: where our specialists assess your circumstances and recommend the most suitable policy.

This policy outlines how we collect, use, share, and store your personal data.

2. Information We Collect

We may collect the following types of personal data:

1. a) Data you provide directly
   Certain areas of our website invite you to submit personal details such as your name, date of birth, email address, and phone number. This helps us supply quotes, respond to enquiries, and keep you informed about our services.
   In some cases, we may request sensitive information (such as your health status) to accurately prepare insurance quotes or enable third-party insurers to do so.

If you proceed to seek tailored advice, we may request more in-depth information like your financial, employment, and lifestyle details, and current insurance arrangements.

When you move forward with a policy, we will collect further health and lifestyle information to enable insurance providers to issue terms. Some insurers may use automated tools to assess applications; others may manually review your details.

If you use our digital quote service, this information will be securely shared with our insurance partners to offer you competitive, guaranteed quotes.

1. b) Data we collect automatically
   When you use our website, we may collect technical data such as:

• IP address
• Device type and browser
• Geographic region
• How you interact with our website (e.g., pages visited, links clicked)

This helps us improve our services and tailor the online experience. This data may be gathered using cookies or similar tracking tools.

1. c) Data from third parties
   Occasionally, we may receive your information from someone else—such as a partner or spouse—provided they have the legal authority or your consent to do so. We may also receive your details via referral sources (e.g., SunLife) in order to assist you with a policy.
2. How We Process Your Information

We use your information to:

• Provide and arrange quotes and policies
• Offer administrative support
• Detect and prevent fraud or financial crime
• Conduct analysis or research
• Comply with legal obligations

While third-party providers may help us process your data, Life Insurance Northern Ireland remains the data controller.
We do not conduct automated decision-making ourselves, but our insurance partners may use automated underwriting tools. You can learn more about these in their respective privacy notices.

Legal Bases for Processing:

• Contractual necessity: For tasks related to arranging or administering your policy.
• Legitimate interests: To operate and improve our services unless those interests are outweighed by your rights.
• Consent: For sending direct marketing or where required by law (you may withdraw consent at any time).

4. Data Storage & Security

We store your data on secure UK-based (or EEA-based) servers managed either by us or authorised service providers.
All data is protected using industry-standard security protocols including encryption, secure data centres, and access controls appropriate to the sensitivity of the information.

5. Your Rights

You have the right to:

• Access or request a copy of your personal information (including call recordings)
• Request corrections or updates
• Ask us to delete your data
• Object to or restrict data processing
• Request data portability
• Withdraw consent for marketing at any time

To exercise these rights, please contact us using the details at the end of this policy.

6. Data Retention

We retain your personal information as follows:

• If a policy was arranged: 6 years from cancellation, expiry, or a claim being made.
• If you requested a quote but didn’t proceed: Up to 12 months.
• If you received advice or a quote: 6 years from the date of service.

If your information was provided to us by a third party (e.g., SunLife), please refer to their privacy policy for their retention practices.

7. Links to Other Sites

Our website may include links to external sites with different privacy practices. Once you leave our site, our policy no longer applies.

8. Ongoing Contact

We may reach out periodically to review your protection needs and offer relevant products or services. You can opt out of these communications at any time.

9. Sharing Your Data

We may share your data with insurers and service providers to:

• Gather and compare quotes
• Facilitate policy applications
• Meet contractual or legal obligations

These partners may include:

• Insurance providers (for quotes and underwriting)
• IT and software providers
• Professional advisers (legal, financial, audit)

We do not sell your information to third parties. Limited anonymised data may be shared with digital marketing platforms (e.g., Google or Facebook) to help tailor our marketing efforts.

Your information may also be disclosed if required by law or necessary to protect your rights or the rights of others.

10. Use of Cookies

Our website uses cookies to collect data for analysis and improve user experience. You can read our full Cookie Policy [link] for more details and how to manage your preferences.

11. Email Newsletters

You may receive emails with updates on our products or services. These emails may include tracking codes to help us understand what content is of interest.
You may unsubscribe at any time by clicking the unsubscribe link in the email.

12. Copyright Notice

You may download or print material from our website for personal, non-commercial use, provided Life Insurance Northern Ireland is acknowledged as the source.

13. Contact & Complaints

The data controller is Life Insurance Northern Ireland Limited.
If you have questions or concerns about your data or this policy, please contact our Data Protection Officer.

14. Policy Updates

We may revise this privacy policy periodically. Updates will be posted on this page so you’re always aware of how your data is used.