Privacy Policy

Last Updated: March 08, 2025

Who We Are

Spirit Cover is a trading style of Bespoke Life Ltd, an FCA-regulated insurance brokerage helping you find the right life insurance. We’re the data controller, responsible for how your personal information is handled. This Privacy Policy explains what we collect, why, and how we protect it when you use our website (https://spiritcover.co.uk/), contact us, or seek insurance options.

Our Details:

  • Bespoke Life Ltd
  • Registered Office: [Insert Address]
  • Company Number: [Insert Company Number Placeholder]
  • FCA Regulation Number: [Insert FCA Regulation Number Placeholder]
  • Email: [Insert Contact Email]
  • Phone: [Insert Phone Number]

Information We Collect

We gather only what’s needed to connect you with insurers and meet legal duties:

  • Personal Info: Name, address, email, phone number, date of birth.
  • Sensitive Data: Health or lifestyle details (e.g., smoking status) you provide for insurance purposes.
  • Payment Info: Card or bank details, processed securely by third parties if applicable.
  • Website Data: IP address, browser type, device info via cookies (see Cookies Policy).
  • Interactions: Records of your calls, emails, or chats with us.

Why We Use Your Information

We process your data to:

  • Connect you with insurers to arrange quotes or policies (not provided directly on our site).
  • Manage your inquiries and improve our service.
  • Comply with FCA rules (e.g., ensuring fair treatment) and UK laws.
  • Send marketing (e.g., email updates) - only if you opt in. Our legal bases under UK GDPR are:
  • Contract: To facilitate your insurance needs.
  • Legal Obligation: To meet FCA or tax requirements.
  • Legitimate Interest: To enhance our site and offerings (we respect your rights).
  • Consent: For optional marketing - you can withdraw this anytime.

Who We Share Data With

We share only what’s necessary:

  • Insurers: To arrange quotes or policies on your behalf.
  • Service Providers: IT hosts, payment processors, or analytics tools (e.g., Google Analytics), all under strict agreements.
  • Regulators: FCA, ICO, or HMRC if required by law.
  • Advisers: Our team assisting you directly.

Data stays in the UK or EEA unless safeguards (e.g., UK GDPR-compliant contracts) apply for transfers.

How We Keep It Safe

We use encryption, secure servers, and regular checks to protect your info. Third parties we work with meet the same standards. If a breach happens, we’ll notify you and the ICO as needed.

How Long We Keep It

  • Active Engagement: While we’re assisting you, plus 7 years after (for legal or FCA purposes).
  • Inquiries Not Pursued: Up to 12 months, then deleted.
  • Marketing: Until you opt out.Ask us for our full retention policy if you’d like details.

Your Rights

Under UK GDPR, you can:

  • See your data (Access).
  • Fix errors (Rectification).
  • Erase it if we don’t need it (Erasure).
  • Limit its use (Restriction).
  • Stop marketing (Objection).
  • Move it elsewhere (Portability).

    • Email [Insert Contact Email] or write to [Insert Address] to act on these. We’ll reply within 30 days. If we don’t satisfy you, contact the ICO at ico.org.uk.

Changes to This Policy

We may update this - check back here. Significant changes will be flagged to you.

Get in Touch

We may update this - check back here. Significant changes will be flagged to you.

  • Email: [Insert Contact Email]
  • Post: Bespoke Life Ltd, [Insert Address].
  • Phone: [Insert Phone Number.