This privacy notice explains how we handle (i.e. collect, store, use, update, share and ultimately destroy) your personal data, and your rights in relation to the personal data we hold.
We are Utmost Life and Pensions, a life insurance and pension provider. Utmost Life and Pensions acts as a data controller, which means we decide how your personal data is handled and for what purposes. Data controllers are registered with the UK Information Commissioner’s Office.
Personal data is information about a living individual who can be identified from that data; either from the data alone or with any other information already in, or likely to come into, our possession. The handling of personal data is governed by the General Data Protection Regulation (the ‘GDPR’).
We comply with our obligations under the GDPR by:
We use your personal data for the following purposes:
Where you have given a separate consent for receiving any Utmost Life and Pensions-related marketing information you can withdraw your consent if you wish to.
Where we ask you for any medical data you give explicit consent and this is recorded.
We may pass your data to Utmost Group of Companies, our third party service providers, reinsurers, agents, subcontractors and other associated organisations for the purposes of completing tasks and providing services to you on our behalf (e.g. to carry out administrative mailings and to ensure that your data remains accurate).
When we use third parties to provide a service, we disclose only the data that is necessary to deliver that service and we have contracts in place that require them to keep your data secure and not to use it for their own direct marketing purposes.
We will not release your data to third parties beyond this unless you have requested us to do so, or we are required to do so by law, for example, by a court order or for the purposes of prevention of fraud or other crime. We will not share your data with third parties for marketing purposes.
We will not sell or rent your data to third parties.
Some of your personal data that we handle may be transferred to, and stored at, a destination outside the European Economic Area (‘EEA’) (e.g. where one of our service providers operates outside the EEA). In these circumstances, your personal data would only be transferred on one of the following bases:
We will securely destroy your data when we no longer have a legal basis for retaining it. Subject to any other notices that we may provide to you, we may retain your personal data for a period of 15 years after your final contract with us has come to an end. However some information may be kept indefinitely where required by law or regulation.
Your rights and personal data
Unless subject to an exemption under the GDPR, you have the following rights with respect to your personal data that we hold:
*Note that although it is not currently possible, we will support data portability when a recognised industry standard becomes established.
Further uses of your personal data
If we wish to use your personal data for a new purpose, not covered by this Privacy Notice, then we will provide you with a new notice prior to doing so, explaining this new use and setting out the new purpose and how the data will be used. Where necessary, we will seek your prior consent to using your data for the new purpose.
To exercise all relevant rights, queries or complaints please in the first instance contact our Customer Services team at:
Utmost Life and Pensions Limited
6 Vale Avenue
Kent, TN1 1RG
Ph: 01892 510033
Ph: 0303 123 1113
Information Commissioner's Office