1. Data controller

FiftyLife is a trading name of BISL Limited (registered number 3231094). BISL Limited is part of the BGL Group of Companies and has its registered office at Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS. BISL Limited is the data controller in relation to the data you provide on this Website. Covea Life Limited will also be a data controller in respect of personal data provided in relation to your policy. In this Privacy Policy the following definitions will apply: “We”, “Us” and “Our” means BISL Limited. “You” and “Your” means the person who wishes to use the Website. “Website” means the website at www.fiftylife.co.uk.

2. Your rights

You are entitled, on payment of the fee of £10, made payable to BGL Direct Life Limited to see details of the information We hold about You. If any of the information held is inaccurate We will also make any necessary amendments and confirm to You that these have been made. You have the right to request at any time that We cease processing Your personal data for marketing purposes. Further details of how to do this are in Section 5. You are also entitled to ask Us to remove personal information from Our records and if You wish to do this then please write to the Data Protection Officer at FiftyLife, Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS so that we may consider your request. Please provide Your full name, policy number, address and date of birth when contacting Us. We reserve the right to amend or modify this Privacy and Cookie Policy at any time. Where this is necessary, We will publish any changes on the Website. We also reserve the right to transfer Our rights under this Privacy and Cookie Policy at any time.

3. Providing data about other people

If You are providing us with another person’s data in connection with Your application You must ask them to also read this Privacy and Cookie Policy. By giving us information about another person you are confirming that they have given you consent to provide the information to us.

4. Quotes, insurance administration and claims handling

We will use your data to send you a confirmation email of your quote. We may also contact you by phone to discuss your quote or provide assistance with your application. Information You supply may be used for the purpose of insurance administration and claims handling by Us or other members of the BGL Group of Companies or suppliers acting on their behalf, the insurer, its agents or re-insurers. In assessing any claims made, insurers may undertake checks against publicly available information such as the Electoral Register and against other sources such as credit reference agencies and fraud or crime prevention databases. Information may also be shared with other insurers either directly or via those acting for the insurer such as investigators. We or the insurers may also exchange information with fraud prevention agencies to help prevent or detect fraud. Where you have instructed an insurance broker or intermediary to set up or manage your policy, we may also exchange information with the insurance broker or intermediary in relation to the administration of your policy

5. Credit checks/data checks

When you request a quote various checks may be undertaken to help the assessment of your quote, to check your identity, help prevent fraud and help us carry out analysis to improve the products and services we provide to you. We, the insurer or re-insurer may:-

  • Undertake checks against publically available information such as the electoral register, County Court Judgments, bankruptcy or repossession information.
  • Carry out searches against data held by Credit Reference Agencies.
  • Use information relating to you which is provided to Us or the insurer or re-insurer by other parties for example other insurance companies or fraud prevention agencies.
  • Carry out checks against existing data that may be held about you as a customer in relation to other products you have held with Us or the insurer or re-insurer or in relation to any quotations you have obtained in the past for such products.

The data that you provide now may also be used for these purposes if you apply for any further products with Us or the insurer or re-insurer in the future.

6. Marketing and market research

Where You have indicated that You are happy to receive marketing communications, We may use Your information to keep You informed by post, telephone, email or other means of products and services which may be of interest to You. We may also use Your data to undertake market research or data analysis work to help us improve the services that We provide to You. We may contact You in order to conduct such market research. Your information may also be used for the above purposes after Your policy has lapsed. If You do not wish Your information to be used for marketing purposes, You are able to unsubscribe by using the unsubscribe link in every marketing email we send you; sending an e-mail to unsubscribe@fiftylife.co.uk; by calling us on 0800 294 0750 or by writing to the Data Protection Officer at the address set out in the “Your Rights” section above.

7. Send to a friend

We may, from time to time, offer a functionality on the Website to allow You to send details regarding the Website to a friend. When You provide details of a friend to whom an e-mail is to be sent You confirm the following:-

  • That You have obtained the consent of Your friend to pass Your friend’s details to Us and for Your friend to receive the e-mail from Us.
  • That You are happy for Us to disclose Your details as the person who asked that We send the e-mail to Your friend.

8. Funeral Benefit Option

Where You select the funeral benefit option, information You provide may be shared with Golden Charter or any other alternative provider for its arrangement and administration and with third parties funeral directors for the arrangement, administration and provision of the funeral services. They will also be a data controller in relation to this data.

9. Website comments and feedback

We may, from time to time offer a functionality to allow You to post comments and feedback on to the Website (Your “Comments”). When submitting Comments You will be asked to provide Us with Your name and contact details. The data You provide when submitting Comments will only be used for the administration of the comments and feedback sections of the Website. We may disclose Your name and contact details where We are required to do so under a subpoena or court order, or following any other request (including criminal and civil matters) if We believe that the response is required by law or is reasonably necessary to protect the values and objectives of the Website or other users. We may also disclose Your name and contact details to any third party who is claiming that any Comments posted by You constitutes a violation of their intellectual property rights, or of their right to privacy, although We will try to notify You first before doing this by using the contact details You have provided.

10. Sensitive personal data

In order to assess the terms of the insurance contract or administer claims, We will need to collect personal data which the Data Protection Act 1998 defines as sensitive, such as medical history. By proceeding with this contract, You will signify Your explicit consent to such information being processed for the purposes set out in this Privacy and Cookie Policy. You also give consent to us or the insurer contacting your doctor for medical information under the Access to Health Records Act 1990 and the Access to Health Records (Northern Ireland) Order 1991 in the event of your death before the end of your policy.

11. Overseas transfer of data

We and the other companies processing Your data for the purposes mentioned above may from time to time need to undertake some of the processing in countries outside of the European Economic Area which may not have laws to protect Your personal data, but in all cases We will ensure that it is kept securely and only used for the purposes for which You provided it. Details of the companies and countries involved can be provided on request.

12. Use of cookies

The FiftyLife website and some of the emails that We may send to you will use cookies, web beacons, pixel tags or action tags or similar technologies. A cookie is a small text file which we transfer to your hard drive through your web browser when you visit our Website or open certain emails. It enables our own system to recognise you when you visit our Website again and improve our service to you. This information can be used to enhance the content of our Website and make your use of it easier. For information on how you can configure your browser to reject cookies or for information on how to control your online behavioural advertising preferences, please visit http://www.youronlinechoices.com/uk/. Three types of cookie may be used during your visit to FiftyLife.

  • FiftyLife session cookies that are deleted after each visit
  • FiftyLife persistent cookies are not deleted after each visit
  • Third party cookies that are used by our partners, for example, to help us measure site visitors
Cookies we use
Cookie Cookie name Purpose More Information
CampaignCode, InterviewToken, Netscaler, UserToken, IsAppStartedFor CampaignCode, InterviewToken, nsc, UserToken, IsAppStartedFor These cookies are essential for our website to function and provide customers with their quote N/A
Session ID & ASP.NET Authentication Token _unam, ASP.NET_SessionId, PHPSESSID, wp-settings, IsAppStartedFor, UserToken These essential cookies are used to maintain state between pages including quote retrieval etc. and to ensure that customers personal data entered on our site is secure https://support.microsoft.com/en-gb/kb/260971
Here is a list of some cookies that may be set by our business partners on FiftyLife.co.uk
Cookie Cookie name Purpose More Information
Double Click id, DSID, IDE These cookies are used to collect information from customers who have entered our website via display, pay per click or affiliate advertising. We use the information to track behaviour from this channel through to sale so we can review and improve our online service. https://www.google.com/intl/en/policies/technologies/cookies/
Google Analytics NID, CONSENT, _utm, _ga,_gid Google Analytics is used to analyse the way customers use the FiftyLife.co.uk site so that we can constantly make improvements to our service. https://www.google.com/intl/en/policies/technologies/cookies/
Visual Website Optimiser vis_opt, vwo_uuid, These cookies are used to enable the optimisation platform to remember a customer and to serve them with the appropriate content while ensuring a fast load of the web page. https://vwo.com/knowledge/cookies-used-by-vwo/
Affiliate window _aw Tracking is used by our partners to record affiliate sales enabling the fulfilment of cashback activity to our customers where relevant.
Tv Squared _tq_id These cookies are used to enable optimisation of TV advertising by tracking sessions and conversion timings in relation to TV ad spot air times.

Other Technologies – Web beacons and pixel tags

These are similar to cookies and allow us to collect information about how you use our website and help us to offer you the best service. We may use web beacons and pixel tags alongside cookies both on our website and in any emails we send to you.
Again, web beacons and tags are commonly used across many websites and do not harm your computer system.
Further information can be found at http://www.allaboutcookies.org/web-beacons/
If you wish to reject our cookies, you can configure your browser to do so however you may experience difficulties using our website.

13. Information security

The payment site employs enhanced encryption techniques which seek to ensure that all of Your confidential data (such as credit card number, name, address and other information) cannot be intercepted, unscrambled or copied when being transmitted between Our server and yourself.

14. Credit/Debit card information

Credit/debit card information will be processed by Our partners at Cardnet.

15. Law

This Privacy Policy is subject to English Law and to the exclusive jurisdiction of the English Courts.