Privacy Notice
How we manage your personal and sensitive personal information
AXA Wealth Ltd and AXA Wealth Services Ltd (which both trade under the brand name Sun Life Direct), are both members of the AXA UK Group. This privacy policy explains how we use any personal or sensitive personal information we collect about you when you use this website.
What information do we collect about you?
Personal Information
We collect personal information about you when you request a quotation for any of our products or services. This includes your name, address, gender, date of birth and telephone number. Should you decide to purchase one of our products we will need to collect additional personal information, such as your bank account details.
We may also request additional information about you from a third party such as credit agencies, customer research companies or customer segmentation and data cleansing agencies.
Sensitive Personal Information
Depending on the product and service you apply for, some of the information you may be asked to provide could be classed as sensitive personal information. For example, we may need to ask you about your health or medical history. We’ll only ask you for this sensitive personal information if it is necessary to set up and administer your policy.
How will we use the information about you?
We will hold and use your personal information:
- To set up and administer your policy
- To manage a claim
- To give you a quotation and answer any questions you may have
- To keep your personal information accurate and up to date
- For business analysis – to review the services we offer you
- For market research – to improve and develop our products and services
- For complaint administration
We will also record your personal information on our policy administration system and marketing database (please see the paragraph below on our use of your data for marketing purposes) and we may keep it on paper files where necessary.
To assist us in the processing of your personal information, we may use other companies in the AXA Group or companies who work under contract for us; this may include companies located outside of the European Economic Area.
Access to medical reports – Sun Life Insurance
If you take out a Sun Life Insurance policy, we may need to get medical reports in the event of a claim. By applying for Sun Life Insurance, you are consenting to this. We will treat these medical reports with additional confidentiality as they are sensitive personal information.
In the event of death
We may request limited information about your health and medical records from your doctor, but this will be limited to the information necessary to satisfy the claim. When you provide your consent to the disclosure of your health information and medical records in the event of a claim, this also includes disclosure by your doctor for medical information about you after your death.
In the event of a terminall illness claim
Your Rights under the Access to Medical Reports Act 1988
(Access to Personal Files and Medical Reports (Northern Ireland) Order 1991)
Please read this carefully
Under the terms of your policy, we will require the completion of a medical report by any doctor who is or has cared for you. In this connection, you should know that you have certain rights under the Access to Medical Report Act 1988 (Access to Personal Files and Medical Reports (Northern Ireland) Order 1991). The Act requires us to obtain your consent before we apply for a medical report from a doctor who has cared for you and enables you, if you wish, to ask the doctor to let you see the report, or a copy of it, before or after it is sent to us. Full details of your rights under the Act are sent out below:
1. You can withhold your consent to our applying to your doctor for a medical report, but we may well be unable to proceed with your claim in the absence of medical information.
2. You can give your consent and say that you do not wish to see the report before it is sent to us. In this case, we will not notify you when we apply for one, but you may, nevertheless, change your mind and request your doctor in writing to let you see the report, or a copy of it:
a) before it is sent to us; in this case, you will then have 21 days from our request to make arrangements with your doctor to see the report; or
b) after it has been sent to us; in this case, you may ask the doctor for a copy within six months and we will send a copy to your doctor.
3. You can give your consent and say that you do wish to see the report before it is sent to us. In this case, we will tell you when we write to the doctor and we will then tell him/her you wish to see the report. You will then have 21 days to contact the doctor to arrange for you to see the report.
4. Once you have seen the report before it is sent to us, the doctor cannot submit it without your consent. You can write to your doctor, asking him/her to amend any part of the report you consider to be incorrect or misleading, and have attached to the report a statement of your views on any part where you and the doctor are not in agreement and which the doctor is not prepared to alter.
5. The doctor can withhold any part of the report from you for a number of reasons; he/she can do so if, for example, he/she considers that disclosure would be likely to cause physical or mental harm to you or to others. In such cases, the doctor must notify you and you will be limited to seeing any remaining part of the report. If it is the whole report which is affected, he/she must not send it to us unless you give your consent.
Your doctor will be asked to only give medical information which relates to the claim. Additionally, your doctor is asked not to reveal information about :
- Negative tests for HIV, Hepatitis B or C;
- Any sexually – transmitted diseases unless there could be long-term affects on your health; or
- Predictive genetic test results unless there is a favourable result showing you have not inherited a condition that your family suffers from.
The information your doctor provides about your health may affect any claim you may make.
How will we share the information about you?
We may share your personal information with:
- Corporate Partners - these are organisations that introduce you to us. Where you purchase your policy in association with one of them, we will provide this partner with information about your policy. This may include changes to your personal information e.g change of address
- Third party verification services and credit reference agencies – to help prevent financial crime
- Other organisations as necessary in order to meet our legal obligations
- Other companies within the wader AXA UK Group.
We will not share any health or medical information about you.
Marketing
We would like to send you information about products and services or ours, other companies within our Group and selected third parties, which may be of interest to you.
We may do this by post, phone or email.
If you do not wish us to do this (and you have not contacted us already to tell us that you do not wish us to do this) please call us on 0800 904 7652
(Monday to Friday 8am to 8pm- Calls are normally free of charge from land lines but charges may apply from mobile phones)
Or write to us at - PO Box 446, Department NPE/ Servicing Sun Life Direct, Bristol BS99 1DR.
Otherwise we will assume you are happy to be contacted in this way for the time being.
Access to your information and correction
You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your information, please write to us at the following address:
The Data Protection Manager,
Sun Life Direct,
PO Box 446,
Bristol,
BS99 1DR.
We may make a small charge for this service.
Cookies
This website uses small files called "cookies". Cookies are pieces of data, which are used during your browser session. Cookies cannot access files and information stored on your computer. They cannot reveal any information about you that you have not chosen to enter as a visitor to the site. For example‚ we may store your language preference in a cookie‚ so that each time you visit the site‚ your language of choice is displayed.
We use two types of cookies on this website:
Session cookies which are temporary cookies that remain in the cookie file of your browser until you close the browser;
- Persistent cookies which remain in the cookie file for 30 days after you have finished using the website and are not available to any other websites
We use cookies for the following reasons:
- To ensure your application is saved as you move around the site. This includes some personal information you have entered into the site. Any such information is encrypted to protect you.
- To track your progress through the site so we can make improvements to the service we offer you.
- To remember any preferences which the site may allow you to set.
- We also work with third parties to help us measure the effectiveness of our online advertising. These cookies only allow for accurate tracking of visitor numbers‚ and do not record any type of personal information.
Accepting / deleting cookies:
You do not have to accept cookies and you can turn them off or change the way your computer handles them by adjusting your browser settings. See your browser’s "help" function for more information. On this website, if you choose to block cookies, you may experience problems getting quotes, submitting your application online or requesting a pack.
For further information about cookies visit www.aboutcookies.org or www.allaboutcookies.org
Other websites
Our website may link to other websites. This Privacy Notice only applies to this website so when you link to other websites you should read their own Privacy Notices.
How to contact us
Please contact us if you have any questions about our Privacy Notice or information we hold about you:
Write us at: Department NPE/ Servicing, Sun Life Direct, PO Box 446, Bristol, BS99 1DR.
Financial crime
(e.g. verifying your identity to prevent Fraud and Money Laundering)
To verify your identity and prevent financial crime we may use and share your personal information with any company within the AXA UK Group, with companies who work for us, and with appropriate organisations. We may also search, send your details to, and use information from third party verification service providers and financial crime and credit reference agencies (third parties). This involves checking your details against databases these third parties use. AXA and these third parties may keep a record of the search, the results of the search, any suspicions of financial crime and the details may be used to assist other companies for verification and identification purposes. The search is not a credit check and your credit rating should be unaffected. By accepting our Terms of Use you are giving consent to these activities which will make it easier for you to do business with us and help prevent financial crime. For more information about financial crime please visit: www.sunlifedirect.co.uk/privacy/financial-crime