We understand the importance of protecting the personal and sensitive information entrusted to us, and will comply with all applicable data protection laws. We are committed to protecting and keeping your personal information private - whether we receive it from you directly or from third parties - and we will take all reasonable steps to ensure its security.
This Privacy Notice explains when and why we collect personal information about our customers, how we use it, the conditions under which we may share it with others and how we keep it secure. It also explains how you can obtain details of the personal information we hold about you and the choices you have about how we use that information.
Please note that by using and accessing Unum UK’s websites, you are agreeing to the following terms and conditions. Please take a little time to read the following, which sets out how we treat your personal information, such as:
You should also read this in conjunction with any terms and conditions that apply to any specific products or services on our website.
We’ve aimed to make this clear and easy to understand. If you have any questions, please contact us on 01306 887766.
The personal information we collect about you will depend on the products and services you use and the information we need to provide these. The type of personal information we may collect about you is set out in the Table below.
Your personal information may be used to:
We may receive this personal information from:
Where you provide personal information about other people (such as additional scheme members), we expect you to be responsible for ensuring that they know we are using their personal information according to this privacy notice and that you have their consent.
We may ask you for, or you may voluntarily provide, sensitive personal information such as health information. We may collect this information when you purchase health insurance policies in which case it will only be used with your consent, unless the law permits us to use such information without your consent. If you provide us with details of your health to help us to understand your specific circumstances, we may use it to make appropriate adjustments to the products and services we offer based on the information you provide.
|Information we may collect||Examples of personal information |
and sensitive personal information
|Basic personal details||Name|
Date of birth
Contact details (address, email, phone numbers)
Electoral roll registration
|Financial Details||Bank details (claims payments)|
Next of kin
|Professional adviser(s) details||Financial advisers/brokers|
Length of service
Places and types of work carried out
Other medical practitioners details
|Claim History||Details of the claim and why you are making it|
Contact details (address, email, phone numbers)
Information from devices you use
IP address (internet protocol address)
|Other||Any other information you give to us|
|Information we may collect from research organisations, publicly available information or as part of the purchase, sale or merger of new business||Examples of personal information we may collect|
|Preferences and interests|
Your preferences and interests when you tell us what they are
Information you provide to us when entering information on our website or participating in research surveys
We will make every reasonable effort to ensure email communication is secure. This may include encrypting or password protecting sensitive data. Please note that transmission of data over the internet may still be intercepted and we cannot be held liable for any loss of data transmitted to us electronically.
Please let us know as soon as possible if you become aware of any failure, delay or error in sending or receiving an email. Our ‘email sent’ records will be conclusive evidence that the email has been sent unless there is a clear mistake.
You can unsubscribe from our marketing communications at any time by clicking on the ‘unsubscribe’ link located on the bottom of our emails.
For our Group Income Protection, Life and Critical Illness insurance schemes we do not collect personal contact information and therefore will never send marketing materials to you as a member of such a scheme.
For our Dental insurance, we will collect your personal contact details and verify your marketing preferences. We may market to you by post and telephone. Please see the information below about this. We will only send you marketing messages by email, texts and other electronic means if we have your permission. You may receive marketing:
If you do not want to receive marketing from us by post or telephone, or if you have changed your mind about receiving marketing by email, texts and other electronic means please let us know by contacting our Unum Contact Team.
Our contact details are here.
Where we ask you for personal information via any of our websites, we will maintain strict security standards and procedures to prevent unauthorised access to your data by anyone - including our staff. We will maintain appropriate technological measures to ensure the information you submit remains secure.
You must not misuse our websites by knowingly introducing viruses, trojans, worms, or any other malware or material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our websites, our network, servers, computers or databases, including those that host our websites. You must not attack our websites via a denial-of-service attack or a distributed denial-of-service attack.
Doing any of the above is a criminal offence. We will report any such breach to the relevant authorities. You will immediately lose your right to use our site.
We are not liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically-harmful material that may infect your computer equipment, computer programs, data or other material from using our site, or downloading any material from it or from any linked website.
In some cases, we may automatically process Dental claims. Where a claim does not qualify for automated processing, this will be processed by a member of our team.
Unum does not undertake automated decision making on any other aspects of its insurance business.
Our business is mainly conducted within the United Kingdom. However, sometimes the information that we collect from you may be viewed from or transferred outside the UK/European Economic Area (EEA) to other data controllers, to our Unum Group companies or to approved processors in certain circumstances, for example:
We ensure that we put in place appropriate safeguards when we allow your information to be viewed, transferred or processed outside the UK/EEA.
If you would like more information on the arrangements and safeguards in place, please contact our Data Protection Officer at: DataProtectionQueries@unum.co.uk
We will only ask for personal information that we need to set up or administer your policy. If you do not provide certain information, we may not be able to provide our service to you. For example, if you don’t provide the information requested on a claim form, we may not be able to process your claim. If you don’t want to provide certain information but are not sure of the impact that it will have on the service, please get in touch.
You have the following rights under data protection law:
It is important that the personal information we hold about you is accurate and up to date. Please let us know if your information changes, or the information we hold about you is incorrect. You can ask our Unum Contact Team to update or correct your information.
If we have disclosed the personal information in question to another company, we will also let them know about the changes unless it is impossible or difficult to do so.
We will keep your information for as long as we have a relationship with you. Once our relationship with you has come to an end, we will retain your personal information no longer than 7 years to enable us to meet our legal obligations as outlined in the ‘How we use your information’ section.
Medical data used to assess and process a claim is retained for a period of 7 years following termination/final settlement of the claim. Subject as below, where a group policy extends beyond this time period, any medical data is removed from the policy records after 7 years. Where a policy has terminated but a live claim is still in force then the medical records will be retained/updated as needed for the purpose of assessing and managing the claim and will then be securely deleted 7 years after the final payment/settlement.
If you require additional information on our data retention policies please contact our Data Protection Officer.
Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies are useful because they allow a website to recognise a user's device.
Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. They can also help to ensure the adverts you see online are more relevant to you and your interests.
The cookies we use do not collect personally identifiable information about you and confirmation is requested at least once every 12 months. The only exceptions are when you:
Where we collect this information, we will only use it to process your request unless we tell you otherwise. We will never sell your data to third parties.
We also track IP addresses of businesses and organisations to help us understand how our website is used.
If you are unhappy with any aspect of the service we provide, please let us know by contacting our Complaints Team.
You have the right to complain to the Information Commissioner's Office whose contact details can be located on their website: www.ico.org.uk/global/contact-us
There will be situations where Unum will share your personal data with third parties who will also use this information as a Data Controller.This can be done with your explicit consent, for example, to your GP in support of a claim, or to an Occupational Health professional to assist in a Return to Work programme, or it can be for another lawful reason of Unum to support the insurance contract or protect our legitimate business interests. A table illustrating the reasons why we may share your personal data data information and who the third parties are is available here.
We may change this Privacy Notice from time to time to keep it up to date, or to comply with legal requirements. Any changes we make will be posted on the Privacy Notice section of our website and, where necessary, notified to you.
If you would like to contact Unum’s Data Protection Officer directly in relation to this privacy notice, please use the following details:
Milton Court Dorking
Telephone: 01306 887766
Please note lines are open between 8.30am and 5.00pm, Monday to Friday.