Privacy Policy

Mytribe Health Limited takes the privacy and security of your personal information seriously. This Privacy Policy explains what information we collect about you, how we use it, who we share it with, how long we keep it, and the rights you have over it. Please read it carefully. If you use any of our services, we will take it that you have read and understood this policy.

If you have any questions about this policy or about how we handle your information, please contact us using the details in the "How to contact us and how to complain" section at the end.

This policy explains:

• who we are and how to contact us
• what information we collect, and how we collect it
• why we use your information, and our lawful bases for doing so
• who we share your information with
• how long we keep it, and how we keep it secure
• the rights you have over your information, and how to complain

1. Who we are

myTribe Insurance Experts is a trading name of Mytribe Health Limited. In this policy, "myTribe", "we", "us" and "our" mean Mytribe Health Limited.

We are the data controller for the personal information described in this policy. This means we are responsible for deciding how and why your information is used at the stage when you deal with us.

• Company name: Mytribe Health Limited
• Registered in England and Wales, company number 13877035
• Registered address: 5a Poole Road, Bournemouth, BH2 5QJ
• Authorised and regulated by the Financial Conduct Authority, reference number 1008629
• Registered with the Information Commissioner's Office (ICO), registration number ZB496440

You can reach us by email at privacy@mytribeinsurance.co.uk or by post at the registered address above.

2. What we do, and our role in handling your information

myTribe is an independent information service. We publish free guides, research, reviews and tools about private health insurance, life insurance, income protection and private healthcare. We do not sell insurance, give personal advice or arrange policies ourselves.

Where you ask us for a comparison quote, we assess the details you give us and introduce you to one of our vetted, FCA authorised broker partners. That broker then contacts you, gives you advice where appropriate, and can arrange a policy for you.

This matters for your privacy, because it affects who is responsible for your information at each stage:

• While you are dealing with us, and when we pass your details to a broker partner, we are the controller of your information.
• Once your details reach a broker partner, that broker becomes a separate, independent controller. They handle your information under their own privacy policy, which we encourage you to read. We are not responsible for how a broker partner or an insurer uses your information once it is with them.

3. The information we collect

By personal information, we mean any information that identifies you, or that could identify you when combined with other information. This includes obvious details such as your name and email address, and less obvious ones such as your IP address and the identifiers stored by cookies on your device.

We collect information in three ways.

Information you give us. When you request a comparison quote, contact us, or use one of our tools, we may collect:

• your name
• your contact details, such as email address, telephone number and postcode
• your date of birth or age
• information about the cover you are looking for, for example the type of insurance, 
• the level of cover and who needs to be covered

Information we collect automatically. When you visit our website, we may collect:

• your IP address, device type, browser type and similar technical information
• your approximate location, for example at city level
• information about how you use our website, such as the pages you view, the links you click, and the website you came from

Some of this is collected using cookies and similar technologies. Please see the "Cookies and similar technologies" section below.

Information from other sources. If a broker partner or another organisation shares information about you with us, for example to update us on the outcome of an introduction, we will treat that information in line with this policy.

4. Health and other special category information

Some information, including anything about your health, is treated as special category data and given extra protection under data protection law.

We do not ask for health information, or any other special category data, on our quote forms, and you do not need to provide any in order to be matched with a broker partner.

Where health information is needed to give you a quote or advice, the broker partner we introduce you to will collect it directly from you at that stage. They do this as a separate, independent controller and under their own privacy policy, which we encourage you to read when they contact you.

If you do send us health information yourself, for example in a message or email, we will only use it to respond to you, and we will not pass it to a broker partner without your clear agreement.

5. Providing information about other people

When you request a quote, you may give us information about other people, for example a partner, child or other family member you want to be covered. If you do, you confirm that you have their permission to share their information with us, and that you have made them aware of this policy and how their information will be used. Where the information is about a child, you confirm that you are their parent or guardian.

If any of the information you give us about another person includes health related details, the explanation in the "Health and other special category information" section above applies to that information too.

6. How we use your information, and our lawful bases

Data protection law requires us to have a lawful basis for using your information. We set out below what we use your information for, and the basis we rely on for each purpose.

• To introduce you to a broker partner. We use your details to assess your request and pass them to a suitable broker partner so they can contact you and provide a quote or advice. Lawful basis: your consent.
• To respond to your enquiries and provide the tools and information you ask for. Lawful basis: our legitimate interests in responding to you and running our service.
• To send you a copy of a quote or to follow up on a request you have made to us. Lawful basis: your consent, or our legitimate interests.
• To keep records of the introductions we make. We use these to manage our relationships with our broker partners, and to check that introductions which result in a policy are reported to us correctly. Lawful basis: our legitimate interests in running our business and keeping accurate records.
• To send you marketing, where you have agreed to receive it. Lawful basis: your consent. See the "Marketing and advertising" section below.
• To understand how our website is used and to improve it. Lawful basis: our legitimate interests, and your consent where the law requires it for cookies.
• To keep our website and systems secure, and to prevent and detect fraud. Lawful basis: our legitimate interests, and where relevant our legal obligations.
• To meet our legal and regulatory obligations, for example record keeping required by the FCA, and responding to lawful requests. Lawful basis: compliance with a legal obligation.

Where we rely on legitimate interests, we have considered whether those interests are overridden by your interests and rights.

7. Who we share your information with

We share your information with the following categories of recipient.

Broker partners. Where you request a comparison quote, we pass your details to a vetted, FCA authorised broker partner so they can contact you and provide a quote or advice. As explained above, that broker is an independent controller of your information once it reaches them.

Service providers who help us run our business. These act on our behalf under contract and only use your information as we instruct them. They currently include providers of:

• website hosting and content delivery
• form and database hosting
• workflow automation and lead routing
• customer records and contact management
• email
• analytics, tag management, advertising and measurement

Advertising and analytics partners. Where you have agreed, we work with partners such as Google and Meta to understand how people use our website and to measure and improve our advertising. We do not sell your personal information.

Regulators, law enforcement and others where we are required or permitted to disclose your information by law, to comply with a legal or regulatory obligation, or to establish, exercise or defend legal rights.

Buyers of our business. If we sell or reorganise our business, your information may be shared with the other party, who would only use it as described in this policy.

8. Marketing and advertising

Marketing. We will only send you marketing by email where you have agreed to receive it. You can opt out at any time by using the unsubscribe link in any marketing email we send, or by contacting us. Opting out of marketing will not affect a quote or introduction you have already requested.

Advertising. Where you have agreed to advertising cookies, we and our advertising partners, such as Meta and Google, may use your information to build audiences and to show you advertising that is more relevant to you, both on their platforms and elsewhere. This can include matching a secure, encrypted version of your details with a partner, so that we can reach you, or people with similar interests, with our advertising. You can change your choices at any time through our cookie settings.

9. Cookies and similar technologies

We use cookies and similar technologies on our website. Some are needed to make the site work, some help us understand how the site is used, and some, where you agree, support our advertising and measurement.

Advertising and measurement technologies, including the Meta Pixel and our Google advertising tags, are only set once you agree to them through our cookie banner. You can change your choices at any time.

For full details of the cookies we use, why we use them, and how to manage them, please see our Cookie Policy.

10. Sending information outside the UK

Some of the providers we use, including our advertising and analytics partners, are based outside the UK, for example in the United States. Where your information is transferred outside the UK, we make sure appropriate safeguards are in place to protect it, such as the UK's International Data Transfer Agreement or Addendum, or by relying on a data bridge where one applies to the provider.

If you would like more detail about the safeguards we rely on for any transfer outside the UK, please contact us using the details below and we will provide it.

11. How long we keep your information

We keep your information only for as long as we need it.

• If you request a quote but do not take out a policy straight away, we keep your information for up to 36 months. This is because you may still take out a policy later, for example when a broker reviews your cover at renewal, and because we keep a record of the introductions we have made so that we can reconcile them with our broker partners.
• If you proceed with a broker partner following an introduction, we keep a record of the introduction for 6 years.
• Information collected for analytics is kept for 24 months.

Where we delete your information, a copy may remain in our backup or archive systems for a limited period until those systems are overwritten. We do not use information held in backups for any other purpose.

Broker partners keep their own records under their own retention policies. For an FCA regulated adviser this is commonly six years after the end of a policy.

12. How we keep your information secure

We use appropriate technical and organisational measures to protect your information. Our website uses HTTPS, which encrypts the connection between your browser and our website. Access to personal information is restricted to those who need it, and our security measures are reviewed regularly.

13. Your rights

You have the following rights over your personal information:

• The right to be informed about how we use your information, which this policy is intended to provide.
• The right of access to a copy of the information we hold about you.
• The right to rectification if the information we hold is inaccurate or incomplete.
• The right to erasure of your information in certain circumstances.
• The right to restrict how we use your information in certain circumstances.
• The right to data portability, to receive your information in a portable format or have it transferred to another organisation.
• The right to object to certain uses of your information, including direct marketing.
• The right to withdraw consent at any time where we rely on your consent.

You also have the right to complain about how we handle your information. You can complain to us directly, and you can complain to the ICO. Please see the "How to contact us and how to complain" section below for how to do this.

To exercise any of your rights, please contact us using the details below. We will respond within one month. We may need to ask you for further information to confirm your identity or to help us locate your information, and in some cases this may extend the time we have to respond.

14. Automated decision-making

We use some automated processing to match you with a suitable broker partner. When you request a quote, our system routes your enquiry to one of our broker partners based on the details you give us, for example whether the cover is for a business or an individual, the type of cover you are looking for, and the nature of your requirements. The aim is to introduce you to a broker who is well suited to your needs, for example one who specialises in business cover, or one with more experience of more complex cases.

This matching decides which broker we introduce you to. It does not decide whether you can obtain insurance, what you will pay, or the terms you will be offered. Those are matters for the broker, who gives you advice, and the insurer, who assesses any application. Any automated processing the broker or insurer carries out, such as automated underwriting, is covered by their own privacy policies.

If you would prefer not to be matched in this way, or you are unhappy with the broker you have been matched to, you can ask us to review the match, introduce you to a different broker partner, or talk it through with a member of our team. To do this, please contact us using the details below.

15. Children

Our service is intended for adults aged 18 or over. We do not knowingly collect information from children. If you believe a child has provided us with their information, please contact us and we will delete it.

16. Other websites we link to

Our website may contain links to other websites. Once you leave our website we have no control over those sites and are not responsible for how they handle your information. We encourage you to read the privacy policy of any website you visit.

17. Changes to this policy

We may update this policy from time to time. When we do, we will post the updated version on this page and change the "last updated" date at the top. Where the changes are significant, we will take reasonable steps to bring them to your attention.

18. How to contact us and how to complain

If you have any questions about this policy, or you want to exercise any of your rights, please contact us:

• By email: privacy@mytribeinsurance.co.uk
• By post: Data Protection, Mytribe Health Limited, 5a Poole Road, Bournemouth, BH2 5QJ

If you are unhappy with how we have handled your information, you can complain to us. Please contact us using the details above, setting out your concern. We will acknowledge your complaint within 30 days, look into it without undue delay, and keep you informed of our progress and the outcome.

You also have the right to complain to the Information Commissioner's Office (ICO), although we would ask that you give us the chance to address your concern first. You can contact the ICO at:

Information Commissioner's Office Wycliffe House Water Lane Wilmslow Cheshire SK9 5AF

Telephone: 0303 123 1113 Website: ico.org.uk