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Website Terms & Conditions

Please read these Terms carefully before using this website (the “Site”). By using the Site you agree to be bound by the terms of Redefind Limited (“Redefind”), as set out below.

Although Redefind has taken all reasonable care to ensure that the information posted on the Site is true and accurate, Redefind gives no warranty, express or implied, with regard to the accuracy of such information. Redefind makes no warranty that the Site is free from infection by viruses, Trojan horses or worms or anything else that has destructive properties.

All present and future copyright trademarks and other similar rights relating to the Site are vested on Redefind & its licensors. You may use the information and reproduce it in hard copy for your own personal reference only. The information may not otherwise be reproduced, distributed or transmitted to any other person or incorporated in any way into another document or other material without prior written permission of Redefind (see contact details).

While the Site may provide hyperlinks to other websites Redefind has no control over these sites. Redefind cannot accept any liability for the accuracy or otherwise of any content, or the security of any activity carried out on other such sites. Your use of such sites is at your sole risk.

In no event shall Redefind be responsible for any direct, indirect, special, consequential or other losses or damages of whatever kind arising out of access to or use of or reliance on any information posted on the Site or any hyperlink to a website or any information contained on or accessed through such website.

The Site may collect, hold, use and transmit data obtained from you in the course of your accessing the Site for the purposes of enabling Redefind to better understand and service its clients. By agreeing to these Terms you agree to agree to such data being so used that it may be transmitted to others in accordance with Redefind’s registration under the Data Protection Act 1998.

You agree not to port or transfer to the Site either directly or indirectly any information or other content which is or may be inaccurate, misleading, defamatory, obscene or offensive or in breach of any intellectual property right or similar right or damaging to the data, software or performance of the Site.

Redefind reserves the right at any time and without notice to modify, alter, suspend or permanently discontinue all or any part of the Site and restrict or prohibit access to it.

If you are in breach of the Terms you agree to indemnify Redefind in respect of any losses, costs or damages including reasonable legal fees incurred by Redefind in relation to or arising out of such a breach.

These Terms are governed by English law.

Privacy Policy 

This website is owned and maintained by Redefind Limited

Redefind Limited is an Appointed Representative (AR) of TEn Insurance Services Ltd (TEn). In accordance with the General Data Protection Regulation (GDPR), we are committed to protecting the confidentiality and security of the information that you provide to us. This Privacy Notice is intended to help you understand how we collect and use your information.
 
Who we are

Redefind Limited
4th Floor, 40 Lime Street, London, England, EC3M 7AW
admin@redefind.io
 
For the purposes of GDPR, we are the Data Controller

Why we need and how we use your personal information 

We only collect, process, share and store your information where we have lawful grounds and when we have legitimate business reasons to do so. The lawful grounds will normally be in order to provide you with a
Contract of Insurance.

We collect, process, share and store personal information to fulfil requests for quotes, products and services as part of our insurance broking, claims handling and risk management business. It may also be used to verify your identity, to administer payments and to enable us to carry out anti-money laundering and other financial crime checks where required. Your Insurer, Finance Provider or other firms associated with processing your data may also carry out Credit Checks where necessary.

If you pay by instalments your information may also be used to arrange credit.

We may need to obtain special category personal data from you or about you such as information about medical conditions and any unspent criminal convictions. Our lawful grounds for processing such information is Substantial Public Interest.

If you do not provide the information required, we are unlikely to be able to arrange your insurance and may not be able to do any other business with you.

We may also monitor calls, emails, text messages and other communications with you. When you contact us, we may keep a record of that correspondence and any information provided to us during that or any subsequent communication.

Marketing

We would like to keep you updated about our relevant products and services by email, SMS and/or telephone. If we intend to use your data for such purposes, or if we intend to disclose your information to any third party for such purposes, we will only do so with your consent or where we have legitimate interest to do so.

Your consent will be obtained specifically at the appropriate time if required.

If you have already consented and wish us to stop using your information for this purpose or any other purpose, then please contact us.

Nature of personal information 

Personal data is any information that may identify a living individual, including basic contact details of an individual within a corporate client.

Additionally, we may collect personal information such as name, contact details, date of birth, gender, marital status, financial details, employment details and other personal details depending on the nature of the insurance and other services we offer.

We may also collect, use, share and store sensitive personal information such as criminal convictions and medical conditions as necessary in relation to insurances such as motor, home, travel and health insurance. This information may be shared with insurers, insurance product providers and our third-party service providers to effect cover.

Sharing information

We will only supply your personal information to other parties where such a transfer is a necessary part of the activities that we undertake, where you give us consent or where we are required to do so by law or regulation (e.g. where the disclosure is necessary for the prevention and/or detection of crime).

As an intermediary we must disclose personal information to insurance companies, underwriting agencies, business partners and other parties to provide our products and services and to enable you to enter into insurance contracts.

Examples of other parties include other insurance intermediaries, loss adjusters, regulatory bodies, legal and accountancy firms involved in the claims handling process. We may also share your personal information with fraud prevention agencies such as the Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud and Theft Register. We may pass information relating to your insurance policy and any incident to the operators of these registers, their agents and suppliers.

We may also disclose your information to service providers engaged to perform services on our behalf. Such service providers are contractually restricted from using or disclosing the information we give them except as necessary to perform services on our behalf or to comply with legal requirements.

We share all personal data with TEn Insurance Services Ltd, due to our regulatory arrangements.

We only share your information if we are satisfied that our partners or suppliers have sufficient measures in place to protect your information in the same way that we do.

We may also disclose personal information to new owners of our business if we are subject to a merger or acquisition. Disclosure may also be made to enable company audits, regulatory inspections or to investigate a complaint, suspicion of fraud or a security threat.

We never share your information outside our organisation for external marketing purposes.

You understand that we may disclose the information you provide to relevant other parties for the purposes described in this Notice.

Transfer of personal data outside the UK

Certain personal information held on our Information Technology systems may be transferred across geographical borders in accordance with applicable law, and in some cases outside of the UK or European Economic Area (EEA).

Transfers outside the UK or EEA are governed by standard contractual clauses or equivalent data transfer agreements to protect the security and confidentiality of personal information.

How long we keep information about you 

We will keep your information for as long as it is required to enable us to provide quotations, administer your insurances, offer renewal and respond to any claims or complaints (which may arise after the period of insurance has expired).

This will usually be a minimum period of seven years or otherwise as determined by law or regulation. Once we decide that we no longer need your information it will be securely and confidentially destroyed.

Your data protection rights

You have certain legal rights under UK data protection law and regulations, summarised as follows: 

The right to be informed about our data processing activities, including through Privacy Notices such as this

The right of access to the personal information we hold about you. To request a copy of this information you must make a subject access request in writing to us

The right of rectification. You may ask us to correct any inaccurate or incomplete data within one month

The right to erasure and to restrict processing. You have the right to have your personal data erased and to prevent processing except where we have a legal obligation to process your personal information. You should bear in mind that by exercising this right you may hinder or prevent our ability to provide products and services

The right to data portability. If we are able, we may be able to provide you with your personal data in a structured format

The right to object. You have rights in relation to automated decision making and profiling to reduce the risk that a potentially damaging decision is taken without human intervention. You can object to your personal data being used for direct marketing

If you want to invoke any of these rights, please write to us. Contact details are available at the end of this Notice.

Withdrawal of consent

Where you have provided your specific consent to the use of personal data, you may withdraw that consent by contacting us. Contact details are available at the end of this Notice.

How to make a complaint

If you wish to make a complaint about how we hold or use your data, please contact us. Contact details are available at the end of this Notice. 

If you are dissatisfied with how we deal with your complaint, you may contact the Information Commissioner’s Office: 

The Information Commissioner, Wycliffe House, Water Lane, Wilmslow Cheshire, SK9 5AF

Phone: 08456 30 60 60 

Website: www.ico.gov.uk

Information from other sources

We may use legal public sources such as the electoral roll and other third-party sources, such as credit reference agencies, to obtain information about you; for example, to verify your identity or check your credit history.

We also obtain information about you from credit reference agencies and similar third parties. Some personal information may be provided to us by third parties such as insurance companies, other insurance intermediaries and motor vehicle licensing authorities.

In some cases, you will have previously submitted your personal information to them and given them approval to pass this information on for certain purposes.

Such information will only be obtained from reputable sources, which operate in accordance with GDPR.

We and/or other parties may use your information for purposes such as statistical and trend research and analysis, which may include computerised processes which profile you. Automatic profiling helps us understand, predict and forecast customer preferences and to improve the products and services we offer and to assess which products might be most suitable for you.

We may amend this Privacy Policy from time to time for example, to keep it up to date or to comply with legal requirements. The very latest version of this policy can be found at: www.redefind.io

How to contact us

For any questions or concerns relating to this Privacy Policy or our data protection practices, or to make a subject access or any other request regarding the information we hold, please contact us at: 

Complaints

Redefind Limited’s Complaints Procedure

Redefind will do its best to provide you with a high level of service and customer care every time. However, sometimes things can go wrong and we may fail to meet your expectations. Our internal complaints procedures allow us to deal with Complaints fairly, effectively and promptly.

If you think we have let you down, please tell us why.

What you need to do if you have a complaint

You should raise your Complaint with us by telephone, email, letter, and fax or in person to:

How we will handle your complaint

We will endeavour to resolve your complaint as quickly as possible. If we are unable to resolve your complaint by close of business on the third business day after receipt, the Complaints team at TEn Insurance Services Ltd will:

Acknowledge your Complaint promptly and in writing

Work with us to investigate your Complaint

Advise you of the person dealing with your Complaint and how you can contact them

Provide a final response to your Complaint within 8 weeks of receipt

If a resolution cannot be reached

If you are dissatisfied with the Final Response, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge but you must do so within six months.
If you do not refer your complaint in time, the Ombudsman will not have the permission of TEn Insurance Services Ltd to consider your complaint, and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.

Contact details are as follows

Address: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

Tel: 0800 023 4567

Email: Complaint.info@financial-ombudsman.org.uk

Further information is available on the Financial Ombudsman Service website www.financial-ombudsman.org.uk

Cookie Policy

We use cookies and related tracking technologies, including web beacons, tracking pixels and log files (collectively referred to as “cookies”) on this website to distinguish you from other users, assess and improve functionality of the website and our services, and provide you with a good experience. 

What is a cookie 

Cookies are pieces of information shared between your web browser and a website. Some cookies are necessary for making the website work. Some help us assess and improve its performance. We also use cookies to help provide relevant content, products and services to you. A cookie cannot read data from your computer’s hard drive.

There are different kinds of cookies with different functions: 

(i) Session cookies: these cookies are only stored on your computer during your web session. They are automatically deleted when the browser is closed. They usually store an anonymous session ID allowing you to browse a website without having to log in to each page. They do not collect any information from your computer.

(ii) Persistent cookies: these cookies are stored as a file on your computer and remain there when you close your web browser. They can be read by the website that created them when you visit the website again.

(iii) First-party cookies: these cookies are created by our company. They are stored and sent between our servers and your computer’s hard drive. These cookies may be either Session or Persistent cookies.

(iv) Third-party cookies: these cookies are created by one of our third-party partners. They are stored and sent between the third-party’s server and your computer’s hard drive. These cookies are usually Persistent cookies. 

How and why we use cookies 

Depending on the website, we may use cookies for the following purposes: 

Where Strictly Necessary 

These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies, services you have asked for, such as obtaining a quote or logging into your account, cannot be provided. These cookies do not gather information about you that could be used for marketing or remembering where you have been on the internet. 

Functionality 

These cookies allow our website to remember choices you make (such as your username, language or the region you are in) and provide enhanced features. For instance, a website may be able to remember your login details, so that you do not have to repeatedly sign-in to your account when using a particular device to access our website. These cookies can also be used to remember changes you have made to text size, font and other parts of web pages that you can customise. They may also be used to provide services you have requested such as viewing a video or commenting on an article. The information these cookies collect is usually de-identified. They do not gather any information about you that could be used for advertising or remember where you have been on the internet. 

Analytics 

These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. They also allow us to record and count the number of visitors to the website, all of which enables us to see how visitors use the website in order to improve the way that our website works. 

Advertising 

These cookies are used for the purpose of displaying advertisements that will be relevant to you and for managing the performance of advertisements. Advertising cookies are generally third-party cookies and may be present even if there is no advertising in use on the website. 

IP Addresses 

When you visit our website, we may collect your Internet Protocol (“IP”) addresses to track and aggregate non-Personal Information. For example, we may use IP addresses to monitor the regions from which users navigate the website. 

How to manage cookies

Please click the “Manage Cookies” link at the bottom of the page to opt in or out of certain cookies using our Cookie Consent Manager. 

Cookie notice does not cover third party websites

When we include links to other websites, please bear in mind they will have their own privacy and cookie policies that will govern the use of any information you submit. We recommend you read their policies as we are not responsible or liable for their privacy practices. 

Changes to the cookie notice 

We may update this notice occasionally and we encourage you to review the policy from time to time to stay informed of how we are using cookies. We post the effective date of the policy at the top of the page. 

Description of cookies used 

Please click on the “Manage Cookies” link in the footer of the website to find details about the individual cookies used on the website. This link may not be available if we only use Strictly Necessary Cookies on the website.

Contact us

If you have any questions about this Cookie Notice, please contact us as indicated in our Privacy Notice linked below.

Redefind Limited
4th Floor, 40 Lime Street, London, England, EC3M 7AW
admin@redefind.io