Privacy Policy Statement

We are committed to ensuring your privacy is protected. This Privacy Policy sets out details of the information that we may collect from you and how we may use that information. Please take your time to read this Privacy Policy carefully. When using our website, this Privacy Policy should be read alongside the website terms and conditions.

About Us

We are ASSURA FINANCIAL LIMITED trading as Dividend Life, Cover Cloud and Assura Protect.

Assura Financial Limited is registered in England and Wales with registered company number 10781585 and authorised and regulated by Financial Conduct Authority with reference number 795982. We are data controllers and registered with ICO with reference number ZA843395.Our registered address is at 86 Gloucester Place, London, W1U 6HP.

APG Digital is our Introducer Appointed representative registered in England and Wales with registered company number 13604484 and authorised and regulated by Financial Conduct Authority (FCA) with reference number 967161.APG Digital is trading as:

Beat Your Broker
Compare Cover
Cover Cloud
Dad Protect
Home Smith Mortgage
Mom Protect
Mortgage Cloud
Mortgage Dad
Mortgage Mom
Protect For Less
Quick Quote Life
Quick Quote Mortgage
Sure Cover
Consumer Economics

APG Digital is a controller registered with ICO with registered number ZB200818.

If you have any questions about how we collect, store or use your information, you can contact us via email to compliance@assuraprotect.com.

The legal basis for processing your data

Under data protection law, we need a lawful basis to collect and use your personal data. These include:

Consent:

For example, if you consent to receive our direct marketing information.

Contractual Relationship:

For example, to provide you with goods or services, including obtaining quotes.

Legal Obligation:

For example, conducting anti-money laundering checks, fraud detection, or fulfilling employment obligations.

Vital Interests:

For example, ensuring the safety of staff and visitors to our premises or handling medical emergencies.

Legitimate Interests:

This includes the legitimate interests of ASSURA Financial Limited, you as an individual, or broader societal benefits.

If you would like more information on our use of legitimate interests, or to change how we use your personal data in this manner, please contact us at compliance@assuraprotect.com.

How we use your personal information

We use the information that you have given to us, to provide you with our services and products and where we have the legal basis for that.
Where we have a contractual basis for providing you with our product and services such as communicating with you about a quote or administrating your policy.
Where we have a legitimate interest in processing your information, such as information about our services you have consented to receive, statistical data help us to improve our services, recording of telephone calls for the purpose of monitoring and training.
If we have a legal or regulatory information.
If you have provided your consent to process your information such as marketing purposes, cookies use (for further information about cookies please click on our cookies policy)
For training and monitoring purposes

The type of information we collect

Personal Information

Name, address, email address, telephone numbers.
Details of any persons included on the policy and their relationship to you.
Identification information such as Date of Birth, National Insurance Number, driver’s licence, passport.
Employment and remuneration information (i.e. monthly earnings and expenses).
Bank details, debit/credit card details.
Health status and history, details of treatment and prognosis, medical reports (further details are provided below specifically with regard to the processing we may undertake in relation to this type of information).
Information obtained through the use of cookies. Please find more information in our cookies policy.
Call recording data.
Transaction data such as any payments to and from you.
IP address and any other technology data on the devises you are using to access our website.

Sensitive personal information

Details of your current or former physical or mental health.

We only collect sensitive personal data from or about you when:

It is necessary for advising, arranging, or administering an insurance policy or a related claim.
It is required to establish, exercise, or defend a legal claim.
It is essential to safeguard vulnerable individuals.
We have obtained your explicit consent.
You have made this type of data public.

How we collect Your Personal Data

Information, you are providing to us directly (via calls, application forms, quotes, give us feedback or contact us).

Information about you from third parties or publicly available sources (payment service providers, websites, social media channels if you have given consent to share information, authorised representatives, marketplace provides, advertising networks, publicly available sources).

The basis upon which we will process certain parts of Your Personal Data

We will record and use Your Special Data in order to make enquiries in relation to insurance products that may meet your needs and to provide you with advice/guidance regarding the suitability of any product that may be available to you.

To fulfil our contractual obligations, such as providing insurance quotes, arranging policies, and managing claims.

To comply with legal requirements, including regulations set by authorities like the Financial Conduct Authority (FCA), ICO, FOS, etc.

To improve our services.

Data with your explicit consent, particularly for marketing purposes, which you can withdraw at any time.

Who we may share your information with

We only disclose your information to:

Our regulators, government agencies, law enforcement agencies, professional advisors, fraud prevention agencies and databases, etc.
Insurers, appointed representatives, relevant reinsurance providers, insurance brokers, loss adjusters, re-insurers.
Authorised representative.
Credit Reference Agencies.
You partner, spouse, parent or legal guardian
We may share your personal data with third parties who we believe can assist with your enquiry or application or support your identified needs. These third parties may include but are not limited to: providers of our insurance administration systems, providers of technical support, market services where you have your consent to market for you, research and analysis services, and valuers’ aggregators and price comparison websites only.
Service providers they manage the IT systems
Third party payment service providers, including Worldpay, who process card and other payments for us. For full details of how Worldpay use your Personal Information when completing a transaction please refer to their privacy policy Worldpay Privacy Center.

Please note, sharing your personal data with these third parties does not permit them to send you marketing or promotional messages; it is done to ensure we can fulfil our responsibilities to you, as detailed in this Privacy Notice.

We (or third parties acting on our behalf) do not envisage that the performance by us of our service will involve your Personal Data being transferred outside of the UK either through mobile devices and on our computer systems (websites, email, hard drives, servers and cloud facilities).

But in case we make a transfer of your personal information outside of the UK and EEA we will take the required steps to ensure that your personal information is protected. We do this by using the approved standard contractual clauses.

External Suppliers

We may may use other companies who work with us to assist with the provision of administration services, but we are guarantee that the level of security provided by them is equivalent to ours.

How we keep, store and dispose of your personal information

Your privacy is important to us, and we will keep your Personal Data secure in accordance with our legal responsibilities. We will take reasonable steps to safeguard your Personal Data against it being accessed unlawfully or maliciously by a third party.

We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

Once we receive your data, we treat it with the utmost respect and in compliance with GDPR, DPA, and other relevant regulations. We adhere to strict security procedures to ensure that the data we collect is stored and disclosed appropriately and securely.
We employ a variety of organizational and technical security measures to safeguard your information. This includes regular and comprehensive staff training on data security and data rights.

Access to your information within ASSURA FINANCIAL LIMITED is restricted to those who need it for the purposes outlined above. Firewalls are used to block unauthorized traffic to our servers, which are in secure facilities accessible only by authorized personnel. Our internal procedures govern the storage, access, and disclosure of your information.

While we strive to protect your personal data, please note that the transmission of information over the internet is not completely secure. Although we do our best to safeguard your data, we cannot guarantee its security during transmission to our site; any transmission is at your own risk.

We’ll keep your personal information in accordance with our internal retention policies. We’ll determine the length of time we keep it for based on the minimum retention periods required by law or regulation. We’ll only keep your personal information after this period if there’s a legitimate and provable business reason to do so.

Ιn most cases we will retain your personal data for 7 years following the end of our relationship with you in order to ensure we can handle any disputes, claims or complaints.

When we dispose of your personal information, we will do so securely.

Occasionally, it may be impossible to delete data, due to technical limitations. In these cases, we will take steps to put the data beyond use. This means that your data will not be accessed or shared, and your rights and freedoms will not be affected.

AI and Speech Analytics

We may use speech analytics on recorded phone calls to help us meet our regulatory obligations, such as identifying vulnerable customers, handling complaints, addressing staff training needs, and improving processes and products. These activities are not solely automated; the results are manually reviewed to determine if further action is needed.

Additionally, we are exploring whether AI technologies may help in other areas, such as summarizing long, technical, or complex documents (e.g., medical reports). This may involve using your data to help train the AI, but it will not result in any decisions being made about you.

Your rights in relation to Your Personal Data

Your rights include:

The right to access your personal information

You are entitled to a copy of the personal information we hold about you and certain details of how we use it. There will not usually be a charge for dealing with these requests. Your information will usually be provided to you in writing, unless otherwise requested, or where you have made the request by electronic means, in which case the information will be provided to you by electronic means where possible.

The right to rectification

We take reasonable steps to ensure that the information we hold about you is accurate and complete. However, if you do not believe this is the case, you can ask us to update or amend it.

The right to erasure (also known as ‘the right to be forgotten’)

In certain circumstances, you have the right to ask us to erase your personal information. Examples would include where the data is no longer required for the original purpose, consent has been withdrawn and there no overriding grounds for continuing the processing, or for compliance with the national law or for legal or regulatory obligations. There are occasions when a request made under data protection law is overridden by other legal and statutory data retention requirements.

The right to restriction or suspension of processing

In certain circumstances, such as a question over its accuracy, you are entitled to ask us to stop using your personal information or to suspend its use.

The right to data portability

In certain circumstances, you have the right to ask that we transfer any personal information that you have provided to us to another third party of your choice.

The right to object to marketing

You can ask us to stop sending you marketing messages at any time.

The right to object to processing

For certain uses of your personal information, we will ask for your consent. This consent can take the form of an action or affirmative instruction. Where we do this, you have the right to withdraw your consent to further use of your personal information. In other circumstances we may process your data using legitimate interest, and again you have the right to withdraw this right of processing, unless it is necessary in connection with our legal rights.

We would hope that you will always raise any issues with us first, and that we will be able to resolve them to your satisfaction. However, if this isn’t possible then you always have a right to complain directly to the Information Commissioner’s Office (ICO) if you believe that any use of your personal information by us is in breach of applicable data protection laws and regulations.

You are not required to pay any charge for exercising your rights.

If you make a request, we have one month to respond to you.

The easiest way to submit a DSAR is by contacting us via email at compliance@assuraprotect.com.

Please note:

In some cases, we may not be able to comply with your request (e.g. we might not be able to delete your data) for reasons such as our own obligations to comply with other legal or regulatory requirements. However, we will always respond to any request you make, and if we can’t comply with your request, we will tell you why.

Technical and Organisational Security Controls

We are implemented commercially reasonable and appropriate technical and organisational measures to protect your Data against unauthorised and unlawful loss, and access. While we are striving to prevent unauthorised access we cannot guarantee that third parties will never breach these defences and misuse your data.

Contacts and Complaints

If you have any questions regarding this privacy policy or wish to exercise your rights, such as changing your marketing preferences, please contact info@assuraprotect.com.

If you want to make a Data Subject Access Request (DSAR) in relation to personal data that is held by Family Assurance Friendly Society Limited trading as OneFamily then you will need to contact them directly.

You can find their details in your policy documents, or you can contact them directly in relation to your data at:
Contact: The OneFamily Data Protection Officer
Address: OneFamily, 16-17 West Street, Brighton BN1 2RL
Email: OneFamilyDPO@onefamily.com.

Please don’t send confidential personal information by email as it’s not secure and there’s always the risk it could be intercepted.

If we feel we have a legal right not to deal with your request, or to action, it in different way to how you have requested, we will inform you of this at the time. You should also make contact with us as soon as possible on you becoming aware of any unauthorised disclosure of Your Personal Data, so that we may investigate and fulfil our own regulatory obligations.

If you have any concerns or complaints as to how we have handled Your Personal Data you may lodge a complaint with the UK’s data protection regulator, the ICO, who can be contacted through their website at https://ico.org.uk/global/contact-us/ or by writing to Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF Tel: 0303 123 1113 (local rate) or 01625 545 745 (national rate) Email: icocasework@ico.org.uk.

How do we use Cookies to improve our website experience

We use cookies to store login information and other data on your browser or computer’s hard drive. These cookies help us identify and track visitors, understand how they use our website, and improve their experience. Some cookies are essential for the website to function properly.

While most browsers accept cookies by default, you can adjust your browser settings to refuse cookies if you prefer. However, disabling cookies may limit your access to certain features of our website. By registering with us or continuing to use our website without changing your browser settings, you agree to our use of cookies. For more information on cookies and how to manage them, visit the Interactive Advertising Bureau’s website at www.allaboutcookies.org.

To learn more about how we handle the collection of cookies and how you can manage your preferences, please visit our Cookies Policy.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page.
This policy was last updated in April 2025.

ANNABEL APP Privacy Notice

Assura Financial Ltd built the Annabel App (Service, App) as a Commercial app and is provided by Assura Financial Ltd and is intended for use as is.

Annabel App is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use this service.

If you choose to use Annabel App, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving Annabel App. We will not use or share your information with anyone except as described in ASSURA’s FINANCIAL LIMITED Privacy Policy.

Annabel APP privacy policy supplements ASSURA’s FINANCIAL LIMITED Privacy Notice and should be read in conjunction with this.

Information We Collect

We may collect and process the following data about you:

Personal Identification Information: Name, email address, phone number, etc.
Device Information: IP address, device type, operating system, unique device identifiers, etc.
Usage Data: Information about how you use our App, including the features you use and the time spent on the App.
Location Data: We may collect information about your location if you permit us to do so.

How We Use Your Information

We use the information we collect in the following ways:

To provide, operate, and maintain our App.
To improve, personalize, and expand our App.
To understand and analyse how you use our App.
To develop new products, services, features, and functionality.
To communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the App, and for marketing and promotional purposes.
To process your transactions and manage your orders.
To send you emails.
To find and prevent fraud.

Sharing Your Information

We may share your information in the following situations:

With Service Providers: We may share your information with third-party vendors, service providers, contractors, or agents who perform services on our behalf.
With Affiliates: We may share your information with our affiliates, in which case we will require those affiliates to honour this Privacy Policy.
With Business Partners: We may share your information with our business partners to offer you certain products, services, or promotions.
For Legal Reasons: We may disclose your information if we are required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).

The app uses third-party services that may collect information used to identify you. You can find the privacy policies of these third-party service providers below:

We want to inform you that whenever you use our app, in the event of an error, we collect data and information (through third-party products) on your phone called Log Data. This Log Data may include information such as your device’s Internet Protocol (IP) address, device name, operating system version, the configuration of the app when using our service, the time and date of your use of the app, and other statistics.

Cookies

Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device’s internal memory.
This Service does not use these “cookies” explicitly. However, the app may use third-party code and libraries that use “cookies” to collect information and improve their services. You provide you with the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.

Service Providers

We may employ third-party companies and individuals due to the following reasons:

To facilitate our Service;
To provide Annabel App on our behalf;
To perform Service-related services; or
To assist us in analysing how our Service is used.

We want to inform users of this Service that these third parties have access to their Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

Links to Other Sites

Annabel App may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Security of Your Information

We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

Your Data Protection Rights

Depending on your location, you may have the following rights regarding your personal data:

The right to access – You have the right to request copies of your personal data.
The right to rectification – You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
The right to erasure – You have the right to request that we erase your personal data, under certain conditions.
The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.
The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.
The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

User Consent

By using our App, you consent to our collection, use, and sharing of your information as described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use our App. You may withdraw your consent at any time by contacting us at info@assuraprotect.com, but please note that withdrawing consent may affect your ability to use certain features of the App.

Intellectual Property Rights

All content, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by ASSURA FINANCIAL Limited, its licensors, or other providers of such material and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to download and install a copy of the App on a mobile device that you own or control and to run such copy of the App solely for your own personal, non-commercial purposes.

Contract

By using our App, you agree to be bound by this Privacy Policy and our Terms of Service. If you do not agree to these terms, please do not use our App.

Prohibited Use

You agree not to use the App for any unlawful purpose, or any purpose prohibited under this clause. You agree not to use the App in any way that could damage the App, the services, or the general business of ASSURA FINANCIAL Limited.

Suspension and Termination

We may suspend or terminate your access to the App at any time, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the App will immediately cease.

Liability

To the maximum extent permitted by applicable law, in no event shall ASSURA FINANCIAL Limited, its affiliates, agents, directors, employees, suppliers, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your use or inability to use the App; (ii) any unauthorized access to or use of our servers and/or any personal information stored therein; (iii) any interruption or cessation of transmission to or from the App; (iv) any bugs, viruses, trojan horses, or the like that may be transmitted to or through our App by any third party; (v) any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the App; and/or (vi) the defamatory, offensive, or illegal conduct of any third party.

Varying Terms and Conditions

We reserve the right to revise and amend this Privacy Policy from time to time. Any changes we may make to our Privacy Policy in the future will be posted on this page and, where appropriate, notified to you by email. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you.

Children’s Privacy

Annabel App does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13 years of age. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do the necessary actions.

Contact Us

If you have any questions about this Privacy Policy, please contact us at: compliance@assuraprotect.com.