Privacy Policy
M&N Insurance Service Limited (“we”, “our”, “us”) is committed to protecting your personal data and respecting your privacy. This Privacy Policy explains how we collect, use, store, and share your personal information, and outlines your rights under UK data protection law.
1. Why You Should Read This Policy
When you use our services, we may need to collect and process personal information about you, your family, or your business. This information is required so we can provide insurance, financial advice, and related services. Understanding this policy will help you know:
- What data we collect about you
- How we use your data and why
- Who we may share your data with
- How we protect your data
- Your rights regarding your personal information
2. What Personal Data We Collect
We may collect the following types of personal data:
Identification & contact details: Name, title, date of birth, address, phone number, email address, nationality, marital/civil status
Financial information: Employment and income details, tax information, bank details, credit history, loans, investments, pensions, dependents
Health & medical data (special category data): Medical history, reports, treatment details, and prognosis (only where relevant to insurance or financial products)
Insurance & product information: Details of existing policies, claims history, and terms and conditions of cover
Criminal conviction information: Only where required for insurance underwriting, claims, or fraud prevention
If you provide information about other people (e.g., dependents), you must ensure you have their permission to share it with us.
3. How We Collect Your Data
We may collect data in the following ways:
- Directly from you during meetings, phone calls, emails, or application forms
- From third parties such as employers, credit reference agencies, insurers, lenders, or publicly available sources (e.g., electoral roll)
- Through secure technology solutions, such as ID verification or credit checking systems
4. How We Use Your Data
We process your personal data to:
- Provide you with insurance, financial, and mortgage services
- Arrange and manage policies, claims, and financial products
- Meet legal, regulatory, and compliance obligations (e.g., with the Financial Conduct Authority)
- Respond to your enquiries and provide customer support
- Improve our services and request feedback
- Legal bases for processing:
- To fulfil a contract with you
- To comply with legal/regulatory obligations
- For our legitimate business interests (e.g., service improvements, compliance audits)
- With your explicit consent (for special category data or marketing)
5. Sharing Your Data
We may share your personal data with:
- Insurance providers, lenders, investment companies, and financial product providers
- Compliance advisers, regulators, legal professionals, surveyors, and other third-party service providers necessary to deliver our services
- Fraud prevention agencies and law enforcement if required by law
- We do not sell your data to third parties, and we will never allow third parties to use your data for marketing without your consent.
6. Security & Retention
We take appropriate security measures to protect your personal data from unauthorised access, loss, misuse, or disclosure.
Your data may be stored in paper files, secure computer systems, or encrypted cloud storage. Access is restricted to employees and consultants who need it to perform their duties.
We will retain your data for at least six years, or longer where required by law, regulation, or our professional obligations.
7. Your Rights
You have the right to:
- Access the personal data we hold about you
- Request correction of inaccurate or incomplete data
- Request deletion of your data (where legally permitted)
- Restrict or object to certain processing of your data
- Request a copy of your data in a portable format
- Withdraw consent where processing is based on consent (e.g., marketing)
- To exercise your rights, please contact us using the details below.
8. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy, please contact:
Data Protection Contact
If you are not satisfied with how we handle your data, you can contact the UK’s data protection regulator:
Information Commissioner’s Office (ICO) Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
https://ico.org.uk/global/contact-us/
9. Updates To This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on our website with a revised “last updated” date.