Protection Experts – Privacy Policy

Last Updated: July 2026

Protection Experts ("We", "Us", "Our") are committed to protecting and respecting your privacy. This privacy policy explains how we collect, use, disclose, and protect your personal data when you visit our website (www.protection-experts.co.uk), use our services, or correspond with us to arrange insurance plans.

We operate as a Data Controller under UK data protection laws. Our registered address is:

Protection Experts, Unit 2 Churchill Court, 22 Palmerston Road, Bournemouth, BH1 4HN.

For any privacy-related enquiries, please contact us at: info@protection-experts.co.uk.

1. Information We Collect About You

We may collect, use, store, and transfer different kinds of personal data about you, which we have grouped together as follows:

Identity & Contact Data: Includes your name, address, email address, and telephone numbers.

Financial Data: Includes bank account details, payment card details, and financial history relevant to your insurance eligibility.

Special Category Data: Because we arrange insurance policies (such as life, health, or protection insurance), we may need to collect health and medical information, lifestyle habits (e.g., smoking status), or medical history. We handle this data with the highest level of security and strict confidentiality.

Technical & Usage Data: Includes your internet protocol (IP) address, browser type and version, time zone setting, operating system, platform, and information about how you use our website (e.g., page response times, clicks, scrolling, and download errors).

2. How We Collect Your Data

We use different methods to collect data from and about you, including:

Direct Interactions: You give us your personal details by filling out forms on our website (such as our contact or quote forms) or by corresponding with us by phone, email, post, or otherwise.

Automated Technologies: As you interact with our website, we may automatically collect Technical and Usage Data via cookies and tracking technologies. Please see our Cookie Policy for full details.

Third Parties or Public Sources: We may receive personal data about you from various third parties, such as lead generation partners, credit reference agencies, or the insurance providers we work with during your application process.

3. Our Lawful Basis for Processing Your Data

Under the UK GDPR, we must have a valid legal reason to process your data. We rely on the following bases:

Performance of a Contract / Pre-Contractual Steps: To provide you with quotes, assess your eligibility, and arrange insurance plans with underwriters at your request.

Consent: Where you have explicitly opted in to receive marketing communications or have provided explicit consent for us to process your Special Category (health) data.

Legitimate Interests: To improve our website services, maintain security, prevent fraud, and run our business efficiently, provided these interests do not override your fundamental rights.

Legal Obligation: To comply with financial regulations, the Financial Conduct Authority (FCA) requirements, or UK statutory laws.

4. How We Use Your Data for Marketing & Communications

If you use our online forms and choose to opt-in via our marketing checkbox, the following terms apply to your data:

Consent to Marketing Contact

By providing your email address and/or telephone number on our forms and ticking the consent box, you explicitly agree that Protection Experts may contact you now and in the future regarding our products, services, insurance quotes, and promotional offers. This contact may be made via live telephone calls, SMS text messages, or emails.

You are under no obligation to provide this consent to receive our brokering services. You have the right to withdraw this marketing consent at any absolute time. To stop receiving marketing, simply click the "unsubscribe" link in any email or text, or contact us directly at info@protection-experts.co.uk.

5. Sharing and Disclosing Your Information

As an insurance broker, we do not provide the insurance policies ourselves; we arrange them with third-party providers. To fulfill your requests, we may share your information with:

Insurance Underwriters & Providers: To obtain competitive quotes, assess your underwriting risk, and finalize your protection plans.

Our Service Providers: IT service providers, CRM platforms, hosting companies, and administration systems that support the secure day-to-day operations of our business.

Regulatory & Legal Bodies: The Financial Conduct Authority (FCA), the Financial Ombudsman Service (FOS), law enforcement, or fraud-prevention agencies, where we are legally obligated to disclose information.

Corporate Restructuring: Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets.

We strictly require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not sell your personal data to third parties for their independent marketing purposes.

6. International Data Transfers

The data we collect from you is primarily stored and processed within the UK. However, some of our external third-party service providers or cloud platforms may be based outside the UK or the European Economic Area (EEA).

Whenever we transfer your personal data out of the UK, we ensure a similar degree of protection is afforded to it by ensuring that at least one of the following safeguards is implemented:

We transfer your data to countries that have been deemed to provide an adequate level of protection for personal data by the UK government.

We use specific International Data Transfer Agreements (IDTAs) or Standard Contractual Clauses (SCCs) approved for use in the UK, which give personal data the same protection it has in the UK.

7. Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used, accessed in an unauthorised way, altered, or disclosed. This includes secure servers, encryption protocols (such as SSL technology for data transmission), and restricted access controls.

While we do our absolute best to protect your personal data, the transmission of information via the internet is never entirely secure; any transmission via our website forms is at your own risk.

8. Data Retention: How Long We Keep Your Data

We will only retain your personal data for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, compliance, or regulatory reporting requirements.

Quoting & Enquiries (No Policy Placed): If you request a quote but do not take out a policy, we will retain your data for up to [Insert reasonable timeframe, e.g., 1 to 2 years] in case you decide to re-engage with us, after which it will be securely deleted or anonymised.

Arranged Policies: If we successfully arrange an insurance policy for you, we will retain your files for a minimum of [Insert timeframe, typically 6 years post-termination or longer depending on compliance needs] to meet our regulatory obligations to the FCA and handle potential legal claims.

9. Your Legal Rights under UK GDPR

Under UK data protection laws, you have specific rights regarding your personal data. You have the right to:

Request Access (Subject Access Request): You can ask for a copy of the personal data we hold about you. We cannot charge you a fee for this request under normal circumstances.

Request Correction: You can ask us to correct incomplete or inaccurate data we hold about you.

Request Erasure ("Right to be Forgotten"): You can ask us to delete your personal data if there is no legally justifiable reason for us to continue processing it.

Object to Processing: You can object to us processing your data where we are relying on a legitimate interest, or where we are processing your data for direct marketing.

Request Restriction: You can ask us to suspend the processing of your personal data in certain scenarios (e.g., if you want us to establish its accuracy).

Request Data Portability: You can request the transfer of your data to you or a third party in a structured, machine-readable format.

Withdraw Consent: You can withdraw your consent at any time where we rely solely on consent to process your data (such as for marketing).

To exercise any of these rights, please contact us at info@protection-experts.co.uk. If you are unhappy with how we handle your data, you also have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk).

10. Changes to This Privacy Policy

We review and update this policy regularly to reflect changes in our practices or UK law. Any updates will be posted on this page. Please check back frequently to see any changes.