This privacy notice tells you what to expect when Cura Financial Services collects personal information. It applies to information we collect about you.


How we use your information

To enable us to provide the services we have agreed and for other related purposes - including updating and enhancing customer records, analysis for management purposes and statutory returns, crime prevention and legal &: regulatory compliance - we may obtain, use, process and disclose personal data about you.

We may collect and process the following data about you:

All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. Data will therefore be retained for the following periods (or its retention will be determined on the following bases):


What information do we gather?

Depending upon your use of Our Site, we may collect some or all of the following personal and non-personal data:


Providing data about other people

This privacy policy sets out in detail how your data will be used by us. If you are providing us with another person's data you should ask them to also read this Privacy Policy. By giving us information about another person you are confirming that they have given you consent to provide the information to us.


Use of cookies and analytical data

What is a cookie?

Cookies are small text files that are placed on your computer by websites that you visit. They are widely used to make websites work, or work more efficiently, as well as to provide information to the owners of the site.

How long does my computer store a websites cookies?

When a cookie is stored on your computer, it is given an expiry date. The operator of the website that sent the cookie sets the expiry date of the cookie.

All modern web browsers (Internet Explorer, Firefox, Chrome, Safari etc) also give you the option to clear cookies from your computer yourself. You must refer to your web browsers user manual for doing this.

How do we use cookies?

We use cookies for:

Can I opt out of receiving cookies from your site?

Yes you can. There are a number of options available to prevent your web browser receiving cookies. You can set your browser either to reject all cookies, to allow only "trusted" sites to send them, or to only accept them from the site you are currently visiting. You must refer to your web browsers user manual for doing this.

However, please note that by blocking cookies it may impact the functionality of the website.

What cookies do you use?

The table below explains the cookies we use and why. These cookies are used to collect information about how visitors use our website.

Website* Cookie description Cookie name What is it for? Cookie lifetime
1, 2, 3, 4 Google analytics __utma Used to distinguish users and sessions 2 Years
1, 2, 3, 4 Google analytics __utmb Used to determine new sessions/visits 30 minutes
1, 2, 3, 4 Google analytics __utmc Determine whether the user was in a new session/visit When session ends
1, 2, 3, 4 Google analytics __utmt Used to throttle request rate 10 minutes
1, 2, 3, 4 Google analytics __utmz Stores the traffic source or campaign that explains how the user reached us 6 Months
5 Google analytics _ga Used to distinguish users 2 Years
5 Google analytics _gid Used to distinguish users 24 Hours
5 Google analytics _gat Used to throttle request rate 1 minute
1, 2, 3, 4, 5 Cookie Control civicAllowCookies Tracking if visor has seen the cookie pop-up 3 Months
1 Feefo tracking sentisum_session Tracking for feefo review system 2 Weeks
1 Visitor identifier SRBsession[0-9] Tracks and remembers information about the visitor When session ends
2, 3, 4, 5 Visitor identifier PHPSESSID Tracks and remembers information about the visitor When session ends

* Please refer to the section "What websites do we use to capture information?" for the corresponding website.

Analytical data

When someone visits our website we use a third-party service called Google Analytics, to collect standard internet log information and details of visitor behaviour patterns. We do this to find out things such as the number of visitors to the various parts of the site. This information is only processed in a way which does not identify anyone. We do not make, and do not allow Google to make, any attempt to find out the identities of those visiting our website. If we do want to collect personally identifiable information through our website, we will be up front about this. We will make it clear when we collect personal information and will explain what we intend to do with it.


People who contact us

People who contact us via social media

We use a third-party provider, SmarterQueue to manage some of our social media interactions. If you send us a private or direct message via social media the message may be stored by SmarterQueue or by the relevant social media platform. It will not be shared with any other organisations.

People who contact us via SMS

We use a third-party provider, TextMarketer to send/receive SMS messages. If you send an SMS message it may be stored by TextMarketer. It will then be securely stored by us against your file. It will not be shared with any other organisations.

People who email us

Any email sent to us, including any attachments, may be monitored and used by us for reasons of security and for monitoring compliance with office policy. Email monitoring or blocking software may also be used. Please be aware that you have a responsibility to ensure that any email you send to us is within the bounds of the law.

People who make a complaint to us

When we receive a complaint from a person we build a file containing the details of the complaint. This normally contains the identity of the complainant and any other individuals involved in the complaint. We will only use the personal information we collect to process the complaint and to check on the level of service we provide.

We usually have to disclose the complainant's identity to whoever the complaint is about. This is inevitable where, for example, the accuracy of a person's record is in dispute. We usually have to disclose details of the complaint to our professional Indemnity Insurance Broker and Insurer. We may be required to provide a copy of our file to the Financial Ombudsman Service, should an adjudicator be required to consider the complaint case. We are required to disclose to The Financial Conduct Authority (FCA) high level analytics concerning the number and nature of complaints received. This data does not include names or details that identify the specific data subject.

We will keep personal information contained in complaint files in line with our retention policy. This means that information relating to a complaint will be retained indefinitely. It will be retained in a secure environment and access to it will be restricted according to the 'need to know' principle.

People who use our services

Cura Financial Services provide a range of Financial Services to Data Subjects. We process data provided by the data subject and other sources in order to deliver the appropriate products and services to Data Subjects.

We have to hold the details of the people who have requested the service in order to provide it. However, we only use these details to provide the service the person has requested and for other closely related purposes. For example, we might use information about people who have requested protection advice to carry out a survey to find out if they are happy with the level of service they received. When people do subscribe to our services, they can cancel their subscription at any time and are given an easy way of doing this.


Use of data processors

Data processors are third parties who provide elements of our service for us. We have contracts in place with our data processors. This means that they cannot do anything with your personal information unless we have instructed them to do it. They will not share your personal information with any organisation apart from us. They will hold it securely and retain it for the period we instruct. Our Data processors / Third parties that we use include:


Your rights

Under the Data Protection Act 1998, you have rights as an individual which you can exercise in relation to the information we hold about you. From 25 May 2018 the General Data Protection Regulations (GDPR) come into force.

Access to personal information (Portability)

Data Subjects may submit a Subject Access Request - in order to obtain a copy of the personal data that we hold about them in a structured and portable manner. All SAR requests should be sent to us in writing.

Confirmation of whether, and where, the controller is processing their personal data

Cura Financial Services is the Data Controller and a Processor. Cura Financial Services undertakes data processing within the EEA.

Right of Data subjects to erasure (Right to be forgotten)

Data Subjects may notify Cura Financial Services if they wish to exercise their right to erasure. Such a withdrawal of Consent does not affect the lawfulness of processing based on consent prior to the withdrawal. Data Subjects that exercise this right will be removed from any marketing or future contact.

Cura Financial Services may retain a copy of any personal data and be retained by the Controller if the processing is necessary for the establishment, exercise or defence of legal claims.

Right of rectification

Cura Financial Services will seek to ensure that inaccurate or incomplete data will be rectified. Data Subjects have the right of rectification.

Right to object to processing for the purposes of Direct Marketing

Data Subjects may notify the Firm if they wish to exercise their right to be removed from any Direct Marketing activities. Cura Financial Services may still contact the Data Subject in order to fulfill any contractual obligations concerning the policies and services provided.


Sharing information with third parties

We may share your information with third party service providers such as insurance providers, compliance, and other agents relevant to the business activity. We will not however share your information with any third parties for marketing purposes without your consent.


What websites do we use to capture information?

We use the following websites to capture initial quote information, some of these sites will provide quotes online others will refer for an adviser to contact first:

  1. www.specialrisksbureau.co.uk
  2. www.topquoteonline.co.uk
  3. www.lifeandcriticalillness-cover.co.uk
  4. www.diabeteslifeinsurance.org.uk
  5. providercomparison.co.uk

Changes to this privacy notice

We keep our privacy notice under regular review. This privacy notice was last updated on 21st May 2018.


How to contact us

If you want to request information about our Privacy Policy, you can email us or write to:

info@curainsurance.co.uk

Cura Financial Services, 2 Station Approach Offices, Filey, North Yorkshire, YO14 9PF