Privacy Policy

Hintsure

Privacy & Data Protection Policy

Last Updated: August 2026
Data Controller: Hints Insurance Services Ltd (trading as Hintsure)
FCA Firm Reference Number (FRN): 601384
Registered Address: Bron Office, Brampton Bryan, Shropshire SY7 0DH
Telephone: 01547 530460

1. Overview & White Label Arrangements
Hints Insurance Services Ltd (“Hintsure”, “We”, “Us”, “Our”) is committed to protecting and respecting your personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

As an entity authorised and regulated by the Financial Conduct Authority (FCA No. 601384), we act as a Data Controller for the personal information we collect, process, and manage in connection with our insurance intermediation services.

1.1 How White Label & Brand Partnerships Work
Where you access our insurance products, comparison engines, or quotation services through a white-label website, affinity partner platform, co-branded portal, or Appointed Representative (AR) operating under the Hintsure trading style:

Data Controllership: Hints Insurance Services Ltd acts as the primary regulated Data Controller responsible for quotation, underwriting assessment, policy administration, mid-term adjustments, and handling claims. The brand/affinity partner through whose platform you arrived may also act as an independent data controller for specific aspects of your customer journey (such as account management, loyalty schemes, or direct marketing where you have provided explicit consent).
Information Exchange: We securely share necessary policy and transactional metadata with our white-label partners to enable seamless service delivery, verify partner eligibility, and reconcile commercial agreements.

Note: For full details on how our white-label brand partners process your data under their own independent controllership, please refer to the partner’s privacy notice linked on their primary platform.

2. Information We Collect About You
We may collect, store, and process the following categories of personal information:

Identity & Contact Details: Full name, date of birth, residential address, email address, contact numbers, driving licence number, and National Insurance number.
Policy & Risk Information: Business details, property structures, commercial vehicle schedules, claims history, trade classifications, and specific risk profiles required to assess and place insurance policies.
Financial & Payment Details: Bank account numbers, payment card details, credit score ratings, and premium finance arrangement data.
Special Category Data: Where strictly necessary for specific risk assessments (e.g., medical details for personal accident cover or unspent criminal conviction records for commercial liability policies).
Technical & Portal Analytics: IP address, browser type, referral URLs, cookie identifiers, and interaction data recorded across our white-label web pages and quotation engines.
Communications & Telephony: Recorded phone calls, chat transcripts, email correspondence, and automated meeting summaries retained for quality control, staff training, and regulatory oversight.

3. Lawful Bases for Processing
Under UK GDPR, Hints Insurance Services Ltd relies on the following legal grounds to process your personal data:

Purpose of Processing
Lawful Basis (UK GDPR)
Providing Insurance Quotes & Managing Policies
Performance of a Contract (Art. 6(1)(b))
White Label Partner Reconciliation & Commission Administration
Legitimate Interests (Art. 6(1)(f))
FCA Regulatory Compliance, Sanction Checks & AML
Legal Obligation (Art. 6(1)(c))
Fraud Prevention & Credit Checks
Legitimate Interests / Legal Obligation
Direct Marketing (Where Opted In)
Consent (Art. 6(1)(a))
Automated Underwriting & Rating Algorithms
Contractual Necessity / Explicit Consent

4. How We Share Your Information
To administer insurance products and fulfil our regulatory responsibilities, Hintsure shares personal data with third parties under strict confidentiality and security agreements:

Insurers & Underwriters: Insurance companies, Lloyd’s syndicates, and delegated authority underwriters who provide policy coverage and manage claims (acting as Data Controllers).
White-Label & Affinity Partners: Brand partners whose platforms host our white-label portals, strictly to report sales metrics, manage joint customer accounts, or fulfil brand rewards.
Appointed Representatives (ARs) & Sub-Agents: Authorised individuals or corporate entities who introduce or service insurance policies on our behalf under FCA supervision.
Third-Party Service Providers: Cloud infrastructure providers, SaaS platform vendors, payment processors, premium finance companies, and software developers supporting our systems.
Claims Handling & Legal Professionals: Loss adjusters, solicitors, engineers, and expert witnesses in the event of an insurance claim.
Regulatory Bodies & Law Enforcement: The Financial Conduct Authority (FCA), Information Commissioner’s Office (ICO), Motor Insurers’ Bureau (MIB), Fraud Prevention Databases (e.g., CASS), and law enforcement authorities when legally required.

5. Automated Decision-Making & AI Systems
Our white-label portals and quotation systems use automated algorithms to generate real-time insurance quotes, assess underwriting criteria, and perform credit scoring.

You have the right to request a manual human review of any automated decision that produces a legal effect or significantly impacts you (for example, an automated refusal of insurance cover).

To request a human review, please contact our Data Protection Officer.

6. International Data Transfers
Where your data is processed outside the United Kingdom (for instance, via secure global cloud servers or software providers), Hints Insurance Services Ltd ensures appropriate safeguards are in place:

UK International Data Transfer Agreements (IDTAs) or the UK Addendum to EU Standard Contractual Clauses (SCCs).
Processing within countries formally recognised by the UK Government as providing an adequate level of data protection.

7. Data Retention Periods
We store your personal information only for as long as necessary to fulfill the purposes for which it was collected, adhering to statutory limitations and FCA rules:

Active Policies & Quotation Records: Retained for the duration of the policy plus 7 years following cancellation or expiry to meet accounting and standard legal claim limitation periods.
Commercial Liability & Structural Property Records: Certain liability files, injury claims, or contract works records may be retained for up to 10–15 years to manage long-tail insurance claims.

8. Your Data Protection Rights
Under UK Data Protection law, you hold the following rights regarding your personal data:

Right of Access (Subject Access Request): Request a copy of the personal data held by Hints Insurance Services Ltd.
Right to Rectification: Request correction of inaccurate or incomplete information.
Right to Erasure (‘Right to be Forgotten’): Request deletion of data where legal and regulatory retention obligations no longer apply.
Right to Restrict or Object: Object to direct marketing or processing based on legitimate interests.
Right to Data Portability: Request transfer of your data to another insurance provider in a structured format.

To exercise any of these rights, please contact our compliance team using the details below.

9. Contact Details & Regulatory Complaints
Data Protection Team
Data Controller: Hints Insurance Services Ltd (trading as Hintsure)
FCA Firm Reference Number: 601384
Postal Address: Bron Office, Brampton Bryan, Shropshire SY7 0DH
Telephone: 01547 530460
Email: enquiries@hintsure.com

Registering a Complaint with the ICO
If you remain dissatisfied with how Hints Insurance Services Ltd handles your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office (ICO):

Website: https://ico.org.uk
Helpline: 0303 123 1113
Address: Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF