Privacy Policy

1. Introduction

Protectix ("we", "us", or "our") operates as an AI-powered insurance advisory platform for UK insurance intermediaries. We are committed to protecting your personal data and respecting your privacy rights under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our platform, including our Selectix product matching engine and Agentix policy assistant.

2. Data Controller Information

3. Information We Collect

3.1 Personal Information

• Account information (name, email address, company details)
• Professional credentials and licensing information
• Contact preferences and communication history
• Billing and subscription information

3.2 Client Data (Processed on Your Behalf)

• Client personal and financial information you input into our systems
• Insurance application data and policy information
• Risk assessment and underwriting data
• Claims history and medical information (where applicable)

3.3 Technical Information

• IP address, browser type, and device information
• Usage data and platform interaction logs
• Performance analytics and error reports
• Cookies and similar tracking technologies

4. How We Use Your Information

4.1 Service Provision

• Providing AI-powered insurance product recommendations
• Generating policy assistance and advisory content
• Processing applications and managing client data
• Calculating underwriting assessments and risk profiles

4.2 Legal Bases for Processing

• Contractual Necessity: To perform our services under your subscription agreement
• Legitimate Interests: Platform improvement, fraud prevention, and security
• Legal Obligation: Compliance with FCA regulations and financial services law
• Consent: Marketing communications and optional analytics (where applicable)

5. Data Sharing and Third Parties

5.1 Insurance Providers

We may share client application data with insurance providers and underwriters to obtain quotes and process applications, only with your explicit instruction and client consent.

5.2 Service Providers

• Cloud hosting providers (with EU/UK data residency)
• Payment processors for subscription management
• AI service providers for recommendation engines
• Security and monitoring services

5.3 Legal Requirements

We may disclose information when required by law, regulation, or to protect our rights and the safety of users.

6. Data Security

• AES-256 encryption for data at rest and in transit
• Multi-factor authentication and access controls
• Regular security audits and penetration testing
• SOC 2 Type II compliance and monitoring
• Incident response procedures and breach notification protocols

7. Data Retention

• Account Data: Retained for the duration of your subscription plus 7 years for regulatory compliance
• Client Data: Retained as instructed by you, with automatic deletion options available
• Technical Logs: Retained for 12 months for security and performance monitoring
• Marketing Data: Retained until consent is withdrawn

8. Your Rights Under GDPR

9. International Transfers

Your data is primarily processed within the UK and EU. Where we transfer data outside these regions, we ensure adequate protection through:

• EU Standard Contractual Clauses
• Adequacy decisions by the EU Commission
• Appropriate safeguards and security measures

10. Cookies and Tracking

We use cookies and similar technologies to improve your experience. For detailed information about our cookie usage, please see our Cookie Policy.

11. Children's Privacy

Our services are designed for professional insurance intermediaries and are not intended for use by individuals under 18 years of age. We do not knowingly collect personal information from children.

12. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes via email or through our platform. Continued use of our services after changes constitutes acceptance of the updated policy.

13. Contact Us