Privacy Policy
Security and privacy are of paramount concern to Fallpac and its subsidiary companies and we are committed to providing a safe and private environment for all the services we provide. In order to take advantage of the services we offer, it will be necessary for us to collect personal information. This privacy policy sets out the terms by which Fallpac holds and processes any such personal information received.
We reserve the right to change this privacy policy.
1. Collection of Information
In the course of providing the Service we will need to collect, use and retain details such as your name, address, telephone number, email address and other pertinent details, including endowment policy details, in order to validate and process any claim entitlement. We may also require personal details of any other individual(s) who are joint policyholders with you.
We collect personal information directly from you and/or from your Vendor, subject to receiving all necessary authorisation from you. This is done with your consent and we do not intend to collect information other than to carry out the service or to comply with current legislation and other regulations or to send you information regarding our company or partners or to send you information concerning other products which may be of interest to you. We do not otherwise actively collect information about our visitors or users from other sources, such as public records or bodies or private organizations except as may be required for credit checks. Your personal data will not be disclosed to any government institution or authority unless required by law.
2. Use of Information
Information is used to enable us to carry out our business on your behalf.
3. Disclosure of Information
By your acceptance of this privacy policy and unless and until we receive written instruction to the contrary, you agree that we may share your personal information with banks, Financial Advisers or other relevant financial institutions and to affiliates, associated companies or service partners for the purposes of assisting you with financial planning matters in respect of your actual or projected shortfall or for other financial matters or to any other firm, person or company that we believe may be of similar assistance to you. Except as explicitly stated in this Privacy Policy, we do not disclose to any third party the information provided.
4. Retention of Information
Personal information will be retained only for the period to enable us to provide repeat customers with the most efficient service and to enable us to comply with our legal obligations, such as money laundering regulations.
5. Cookies
We may use "cookies" to store personal data or we may link information stored in cookies with personal data about specific individuals. We would do so only to provide the most efficient service we can. Should you require any further information regarding cookies many sources of information are available online, such as www.cookiecentral.com/faq/.
6. Child Protection
We only intend to provide our services to people over the age of 16. We do not knowingly collect personal data from children without parental consent.
7. Confidentiality/Security
We use secure transmission methods when receiving or sharing your personal information. We have implemented security policies, rules and technical measures to protect the personal data that we have under our control from:
* unauthorised access
* improper use or disclosure
* unauthorised modification
* unlawful destruction or accidental loss
All personal information provided is kept on a secure server and all employees and data processors who have access to, or are otherwise associated with, the processing of personal data, are obliged to respect the confidentiality of any personal data received.
8. Access to Information
You can find out what information we keep about you by requesting a copy of the information, which we will provide within a month of your written request, subject to payment of a £10 charge. To maintain security we may require proof of your identity. We allow you to challenge the data that we hold about you and, where appropriate, you may request that data we hold be corrected or deleted, as necessary.
9. Privacy Compliance
As some of the companies within the group are based within the UK it is our intention that our services will comply with UK and European legislation, in particular the Data Protection Act 1998. For further details on your rights under the Data Protection Act 1998 please visit: www.informationcommissioner.gov.uk.
10. Mergers, Sales etc
If this business is sold or integrated with another business your details may be disclosed to our advisors and any prospective purchasers and their advisors and will be passed on to the owners of the business.