The pages on this website are only directed at UK residents and comply with appropriate UK legislation and regulation.
This privacy policy has been provided to let you know how we use and look after your personal information. This includes what you tell us about yourself and what we learn about you when you visit our website. The policy also tells you about your privacy rights and how the law protects you when you contact us and when you visit our website.
Over Fifties is a trading name of Neilson Financial Services Limited.
The data controller is Neilson Financial Services Limited who is authorised and regulated by the Financial Conduct Authority and entered on the Financial Services register under reference 594926. Neilson Financial Services Limited is registered in England and Wales under no. 07986483. Our registered address is 2 Windsor Dials, Arthur Road, Windsor, SL4 1RS.
Over Fifties introduces prospective customers to life insurance brands operated exclusively by Neilson Financial Services Limited. This privacy policy covers the activity conducted by Over Fifties when it markets its services and introduces prospective customers to one of Neilson Financial Services’ life insurance brands. Where you have been matched with a suitable life insurance brand, your data will be passed to the partner brand who will act as data controller, for the data they receive.
Currently, Over Fifties currently introduces customers to the following life insurance brand(s):
More information about this is set out under “Who we share your personal information with”.
We are conscious of our responsibilities as a "data controller" under the UK General Data Protection Regulation (UK GDPR) and we shall endeavour to ensure that the personal information we obtain and use will always be held, used, transferred, and otherwise processed in accordance with that regulation and all other applicable data protection laws and regulations. Neilson Financial Services Limited is registered with the Information Commissioner under registration number ZA125017. If you would like more information about our data protection policy, please contact us using the details shown on our website.
The law allows us to use personal information only if we have a clear reason to do so. This includes how we share data outside of Neilson Financial Services Limited. To meet this requirement, we will only process personal data in the following circumstances:
There are circumstances where an alternative legal basis allows us to process personal data legitimately. Where we rely on an alternative legal basis for processing personal data, we will tell you what it is.
We collect personal information from you when you visit our website, complete an online quote request form, and when you contact us.
We also collect personal information about you from third parties (more details can be found under the heading “Where we collect your personal information from”). We have provided examples below of the ways we may use your personal information and why.
When/Where we collect and process your personal information | Legal Basis we can rely on to process personal information | Rationale |
When we pass your details to a partner life insurance brand to provide you with a quote for life insurance. | Consent | Where we have evidence of your clear and unambiguous consent to be contacted by our partner life insurance brand, to provide you with a quote you have asked for. |
To ensure you are eligible for a life insurance policy from a suitable partner life insurance brand. | Legitimate Interests | To match you with a suitable life insurance partner to provide you with a quote, we use the data you provide to check whether you are eligible to receive the quote you have requested. |
To deal with complaints and general enquiries | i)Contract ii)Legal Obligation | i) To answer any questions you have when you contact us about our service. ii) To respond to complaints in line with regulatory requirements |
To offer you additional products and promotional offers on our website | Legitimate Interest | When you visit our website to use our service, we may, from time to time, offer you additional products and/or promotional offers we believe you will have a genuine and legitimate interest in. |
Data Analysis - Profiling: To develop and manage our brands, products and services by understanding our customers behaviours and preferences
| Legitimate interests | i)Defining target markets to which our partner products are suited ii)Using our data to identify new audiences who are likely to want our services iii)Meeting genuine needs of customers through the products we introduce you to |
Data you provide:
We may also receive data from:
The categories of personal data that we may obtain from third parties are:
When you provide us with personal data about others, you must (unless we agree otherwise): (a) inform the individual about the content of this Privacy Policy and any other applicable privacy notices provided to you; and (b) obtain their permission (where possible) to share their Personal Information with us in accordance with this Privacy Policy and other applicable privacy notices.
We may use and share your personal information with life insurance brands we partner with. Currently this includes:
Where we share your data with a partner life insurance brand, they become data controller and will process your personal information for their legitimate business purposes, which include:
Whenever our partner life insurance brand uses your information for these purposes personal data rights are considered carefully and you have a right to opt-out of some of this processing. For more information on how a partner life insurance brand uses your information, or how to opt-out, please see their respective privacy policy:
We may also share your personal information with legal and regulatory bodies such as the Financial Conduct Authority, the Financial Ombudsman Service and the Information Commissioner’s Office, to fulfil a legal or regulatory obligation, assist with an investigation, or demonstrate compliance.
If we sell our company or part of it, we will share your information with the purchaser, who may then provide you with information on their products and services.
We may transfer and process any personal information you provide to us to countries outside the European Economic Area. Again, we will ensure that all adequate safeguards are in place in connection with such transfer and that all necessary consent has been obtained.
To assess your eligibility to receive a quote from our partner life insurance brands we may use systems to make automated decisions based on personal information we collect from you. This involves us asking you questions about your age and where you live.
The decision to pass your details to a partner life insurance brand, to provide you with a quote for cover is based solely on the answers you provide. These decisions do not involve human input, and the software and systems apply predefined logic programming and criteria to make a decision and assess how we deal with you in connection with the provision of services. We will hold this data safe and secure at all times.
You have the right not to be subject to a decision which is based solely on automated processing, to express your point of view and contest the automated decision. You do not have to take part in this process, but if you don't Over Fifties won't be able to match you with a life insurance brand, to provide you with a quote.
We need to collect personal information to provide you with the services we offer. If you choose not to give us this personal information, it will mean we cannot match you with a partner life insurance brand, to provide you with a quote for life insurance.
Any data collection that is optional will be made clear at the point of collection.
We maintain a data retention policy which governs how long we will keep your personal data for. We retain personal data about those who have requested to be matched with a life insurance brand. We will only keep your information for as long as reasonably required to demonstrate we have met our obligations to you and the rules that apply to us.
Where we have passed your details to a partner life insurance brand, we will retain your personal data for up to 2 years for the following reasons:
We may keep your data for longer than 2 years if we cannot delete it for legal, regulatory or technical reasons. If we do, we will make sure that your privacy is protected.
Individuals have a number of rights in connection with their personal information. These rights only apply in certain circumstances and are subject to certain exemptions. These rights are noted below.
All enquiries in respect of these rights will be handled by Over Fifties, however, where necessary, we will liaise with other parties with whom we have shared your personal information ("Who we share your personal information with" above) when dealing with your request.
You can access the personal information we hold on you by contacting our Data Protection Officer. You can email or write to us using the following details:
Data Protection Officer at Over Fifties, PO Box 6063, Windsor, SL4 9GL
Email service@covertoday.co.uk
You have the right to question any information we have about you that you think is wrong or incomplete. We will take reasonable steps to check its accuracy and correct it.
You have the right to object to our use of your personal information, or to ask us to delete, remove or stop using it if there is no need for us to keep it. This is known as the “right to object”, “right to erasure” or the “right to be forgotten”.
However, there may be occasions when we will not be able to delete personal information if a legal or regulatory requirement prevents us from doing so.
You can ask us to restrict the use of your personal information if:
You can ask us to provide you with the personal information you have given us, in a format that can be read by a computer. You can also ask that we share your data in this format to someone else.
You can opt out of advertising from Over Fifties and other brands by making changes on Facebook and Google.
Visit these links to find out how:
Google: https://support.google.com/ads/answer/2662922?hl=en-GB
Facebook: https://www.facebook.com/help/146952742043748
If we have relied upon your consent to process your personal data, you can withdraw your consent at any time. Please contact us if you wish to do so.
If you withdraw your consent, we may not be able to provide certain products or services to you. If this is the case, we will let you know.
Please contact our Data Protection Officer if you are unhappy with how we have used your personal information. To contact us about any of your rights set out in this Privacy Policy please write, email or call our Data Protection Officer at Over Fifties, PO Box 6063, Windsor, SL4 9GL, or email service@covertoday.co.uk[LM3] . Please provide your full name, email address and date of birth when contacting us, so we can identify you and investigate your concerns.
You also have the right to complain to the Information Commissioner’s Office.
The ICO’s address:
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Helpline number: 0303 123 1113
ICO website: https://www.ico.org.uk
Over Fifties are committed to protecting your privacy and we promise to treat it securely, fairly and lawfully.
When we collect any personal information through our website and technology platforms, we will be transparent about what we collect, why we collect it and how we intend to use the data.
Protecting our customers is at the heart of everything we do at Over Fifties and protecting your information is no exception. We use cookies on our website(s) and other similar technologies to collect anonymous data so that we can improve and enhance your experience when you use our services. These cookies allow us to:
We will collect information about how you use our website to:
Your web browser provides settings that allow you to manage or switch off cookies. If you do switch off cookies, remember that you may not be able to use all the services on our website. You can find out more about managing and switching off cookies at the independent website allaboutcookies.org.
You can update your cookie preferences using this link here
“Cookies” are small pieces of text files which are sent to your browser and stay on your computer or mobile device when you visit our website. Cookies do not damage your device they are used to ‘remember’ you when you visit our website again. Cookies alone cannot be used to identify you.
A cookie will transport information about how you use our website to us. The cookie does not keep any of the data it collects.
Cookies are often referred to as session or persistent cookies, depending on how long they are used:
In addition to how long a cookie is kept on your computer, a cookie is then divided into four types:
Strictly necessary cookies
These cookies are essential to enable services you have specifically requested such as requesting a quote and/or purchasing a product.
Strictly necessary cookies | Purpose | Period |
ASP.NET_SessionId | Used to remember information required for navigation and other site interactions such as your details throughout the purchasing process. Overview of Microsoft privacy | Session |
ARRAffinity | Used to request routing and load balancing by our hosting platform, Microsoft Azure. | Session |
OptanonConsent | This cookie is set by the cookie compliance solution from OneTrust. It stores information about the categories of cookies the site uses and whether visitors have given or withdrawn consent for the use of each category. This enables site owners to prevent cookies in each category from being set in the user’s browser, when consent is not given. The cookie has a normal lifespan of one year, so that returning visitors to the site will have their preferences remembered. It contains no information that can identify the site visitor. | Persistent – 1 Year |
OptanonAlertBoxClosed | This cookie is set by websites using certain versions of the cookie law compliance solution from OneTrust. It is set after visitors have seen a cookie information notice and, in some cases, only when they actively close the notice down. It enables the website not to show the message more than once to a user. The cookie has a one-year lifespan and contains no personal information. | Persistent – 1 Year |
visitorId | Used to connect visitor actions together to support site navigation and user interaction | Persistent – 6 months |
apt.sid | This is a PX Cookie from Gainsight. It collects aggregated information of your session, such as your browsing time, access metrics (open, forwards, clicks), timestamp for your activity, and application usage history. It expires after each session ends. You can find more information below in the subsection “The use of Gainsight services ”. | Session |
apt.uid | This is a PX Cookie from Gainsight. It aggregates the information collected from each session in a single reference based on your Tenant GUID. This information is used to provide customized services based in the experience you have using our application as well as to improve your usage of our product. You can find more information below in the subsection “The use of Gainsight services”. | 356 days |
TransactionId | Used to track user actions in a session to support site navigation and user interaction. | SESSION |
refCode | Used to track user actions in a session to support site navigation and user interaction. | 30 days |
cookietest | Common cookie name could have a number of different origins. Where this is first party and a session cookie, its most likely to do with checking to see if the browser is set to block or allow cookies. | SESSION |
These cookies collect information about how you use our website, for instance which pages you visit most often, and if you experience error messages. These cookies don't collect information that identifies you. All information is aggregated and therefore anonymous. They are only used to improve your experience whilst visiting our website.
Performance cookies | Purpose | Period |
_gid _gat_UA-nnnnnnn-nn _ga_XCCXYDK606 _ga | Google Analytics is Google's free web analytics tool that helps website owners understand how their visitors engage with their website. Google Analytics collects information anonymously, and reports website trends without identifying individual visitors. Universal Analytics is a set of technological innovations that improve the way data is collected and processed in Google Analytics. Universal Analytics uses cookies to track visitor interactions. These cookies are used to store information, such as what time the current visit occurred, whether the visitor has been to the site before, and what site referred the visitor to the web page. Google Analytics customers can view a variety of reports about how visitors interact with their website so they can improve their website and how people find it. Different cookies are used for each website, and visitors are not tracked across multiple sites. | 30 days 2 years 2 years 2 years |
_vwo_uuid_v2, _vwo_uuid _vwo_sn, _vwo_referrer, _vis_opt_s, _vis_opt_test_cookie _vwo_ds vis_opt_exp_n_combi _vwo_uuid_v2 _vwo_app | These cookies are associated with the product Visual Website Optimiser, by Wingify. The tool helps site owners measure the performance of different versions of web pages. | Persistent – 1 Year |
uuid | UUID (Universally Unique Identifier) cookie. This cookie allows the plugin to connect entries by the same user and is used for some additional features like form abandonment. This cookie does not contain or represent any personal information or entry details whatsoever. It’s simply a random collection of numbers and letters that are used for backend processing. This cookie is necessary if you fill out any form on this website. | Persistent – 1 Year |
cd_user_id | A site visit analytics tool to help understand visitor behaviour to support improving the website experience | Persistent – 1 Year |
These cookies are used to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see the same advert and help us measure the effectiveness of advertising campaigns.
Targeting / Advertising cookies | Purpose | Period |
These cookies are set by a range of social media services that we have added to the site to enable you to share our content with your friends and networks. They are capable of tracking your browser across other sites and building up a profile of your interests. This may impact the content and messages you see on other websites you visit. If you do not allow these cookies, you may not be able to use or see these sharing tools.
Social Media Cookies | Purpose | Period |
_fbp | Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers | Persistent – 90 days |
Apart from cookies we also use local storage and tags to help us enhance your browsing experience.
Like cookies, local storage is stored locally on your machine, within your browser like cookies, history, saved pages, etc. Local storage contains ‘name/value’ pairs (i.e., postcode / SL4 9GL, surname / ‘Smith’) and a web page can only access data stored locally within its domain.