1. BASIS OF AGREEMENT
Your use of this website (“the website”) is subject to these Conditions, which may be amended from time to time. Accordingly, by using the website you are deemed to accept these Conditions without modification by you. If you do not agree with these Conditions you are not authorised to use the website.
2. USE OF THE WEBSITE
2.1 We grant you the right to access the website for your personal and non-commercial use. You may for your own use only, view, copy and print out materials included on it (except for any source codes).
2.2 You may not modify, copy, distribute, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the website, its contents and any related software.
2.3 You warrant to us that you will not use the website for any purpose that is unlawful or prohibited, or not authorised, by these Conditions.
2.4 You acknowledge that the inclusion of hyperlinks on the website does not imply any endorsement by us of the material on such websites or any association with their operators and that if you use these hyperlinks you will be leaving the website.
3. INTELLECTUAL PROPERTY RIGHTS
You acknowledge that the copyright in and all other intellectual property rights in the website, its contents and the underlying software and any related software belong to, or are licensed to us and that, except as provided by these Conditions, you will acquire no rights in the website, its contents and/or the underlying software and/or any related software.
Whilst we will take reasonable steps to exclude viruses from the website, we cannot guarantee such exclusion and no liability is accepted for viruses. You are recommended to take all appropriate safeguards against viruses before accessing the website, its contents and the underlying software and/or any related software.
5. OUR OBLIGATIONS AND DISCLAIMER
We may at any time and for any reason correct without liability any typographical, clerical or other error or omission in the information contained on the website, and we reserve the right to make amendments and/or improvements of or to the website at any time.
6. MATTERS BEYOND OUR REASONABLE CONTROL
If we cannot provide you with access to the website and/or the on-line services in accordance with these Conditions because of something beyond our reasonable control, including (without limitation) act of God, lightning, flood, exceptionally severe weather, fire, explosion, war, civil disorder, industrial disputes, acts or omissions of persons for whom we are not responsible (including telecommunications and internet service providers) or acts of local or central Government or other competent authorities, we will not be liable to you as a result.
7.1 These Conditions constitute the entire agreement between you and us relating to your use of the website, supersede any previous agreement or understanding and may not be varied by you. All other terms and conditions, express or implied by statute or otherwise, but subject to clauses 1 above and 7.2 below, are excluded to the fullest extent permitted by law.
7.2 You acknowledge that we may modify these Conditions at any time for any reason.
7.3 In these Conditions words importing gender include each other gender; references to persons include bodies corporate, firms and unincorporated associations; and the singular includes the plural and vice versa.
7.4 The headings in these Conditions are included for convenience only and shall not affect their interpretation.
7.5 These Conditions are subject to the laws of England and Wales and you agree for our benefit to submit to the exclusive jurisdiction of the English Courts.
7.6 Use of the website is unauthorised in any jurisdiction that does not give effect to any provisions of these conditions.
HSF health plan privacy notice
This is the privacy notice of HSF health plan Limited. In this document, “we”, “our”, or “us” refers to HSF health plan Limited.We are company number 30869 and 904935 registered in England, Wales & Ireland.Our registered offices are at 24 Upper Ground, London, SE1 9PD and 5 Westgate Business Park, Kilrush Road, Ennis, Co Clare Ireland. HSF health plan Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the UK, with the Department of Health and Children and The Health Insurance Authority in Ireland. Founded 1873 Incorporated 1890. We are the trading company of The Hospital Saturday Fund, a Registered Charity in the UK No 1123381 and in Ireland Registered Charity No 20104528.
This is a notice to inform you of our policy about all information that we record about you. It sets out the conditions under which we may process any information that we collect from you, or that you provide to us. It covers information that could identify you (“personal information”) and information that could not. In the context of the law and this notice, “process” means collect, store, transfer, use or otherwise act on information.We take seriously the protection of your privacy and confidentiality. We understand that all visitors to our website are entitled to know that their personal data will not be used for any purpose unintended by them, and will not inadvertently fall into the hands of a third party.We undertake to preserve the confidentiality of all information you provide to us, and hope that you reciprocate.Our policy complies with the EU General Data Protection Regulation (GDPR).The law requires us to tell you about your rights and our obligations to you in regards to the processing and control of your personal data.
What is GDPR?
The General Data Protection Regulation (GDPR) is a new EU regulation. This new piece of legislation will replace the existing Data Protection Act 1998 and will place a greater accountability on organisations when using personal information and in turn give customers new rights. The GDPR applies to all organisations that offer products or services to customers that reside in the EU as well as those that collect data from customers based in the EU. Despite the UK planning to leave the EU, all UK companies still have to comply with the GPDR.
What does this mean to you?
There is no action required, but there are a few changes you should be aware of. Under the GDPR, we have a legal duty to protect any information we collect from you. We use leading technologies to safeguard your data, and keep strict security standards to prevent any unauthorised access to it. Upon the demonstration of satisfactory identification evidence, you may request a copy of the information we hold about you.
What information do we collect?
Health Cash Plan Applications
If you make an application for a Health Cash Plan. We collect three types of information: your personal details (including those of your partner and any dependants), your medical details (including those of your partner and any dependants) and payment details.
The personal details we collect are: your personal and contact details including name, address, date of birth, company name and address (if applicable), email address and telephone numbers. We also collect the name and date of birth of your partner (if applicable) and any dependants (if applicable).
The medical details we collect are: any conditions or illness you, your partner and any dependants may have had (or have) and the date any of the symptoms began. The medical details we collect are: any conditions or illness you, your partner and any dependants may have had (or have) and the date any symptoms began.A copy of this information is kept securely by HSF health plan and our technology suppliers, Microsoft Azure.
The payment details we collect are Direct Debit or Credit Card information. Direct Debit or Credit Card information will be used for automatic payments to be made from the account you provide. A copy of this information is kept securely by HSF health plan (and temporarily by our technology suppliers Microsoft Azure).
Information about your Direct Debit
When you agree to set up a Direct Debit arrangement, the information you give to us is passed to our own bank HSBC UK and Ulster Bank Ireland for processing according to our instructions. We do keep a copy.
Site usage information – Log files and Google Analytics
This website uses log files and Google Analytics to track visits to the website in order to inform changes to the layout of the site and to the information on it, based on the way that visitors move around it.
Log files do not contain any personal information but may record the IP address, the type of web browser and operating system used during a visit to the website. This information will be kept securely on computer by Microsoft Azure, the technology providers for the website.
Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google.
hsfassist.ie is not responsible for the content of external internet sites.
Sending a message to our support team
When you contact us, whether by telephone, through our website or by e-mail, we collect the data you have given to us in order to reply with the information you need.We record your request and our reply in order to increase the efficiency of our business.
How we use your information and the legal basis
When you make an application for a Health Cash Plan or otherwise agree to our terms and conditions, a contract is formed between you and us.In order to carry out our obligations under that contract we must process the information you give us. Some of this information may be personal information.
- Verify your identity for security purposes
- Sell products to you
- Provide you with our services
- Provide you with suggestions and advice on products, services and how to obtain the most from using our website.
We process this information on the basis there is a contract between us, or that you have requested we use the information before we enter into a legal contract.
Additionally, we may aggregate this information in a general way and use it to provide class information, for example to monitor our performance with respect to a particular service we provide. If we use it for this purpose, you as an individual will not be personally identifiable
Who we share your information with
HSF health plan may share your data with regulatory bodies when it is a legal requirement to do so for the purpose of monitoring and enforcing compliances;
- Financial Ombudsman Services
- Information Commissioners Office – UK
- Data Protection Commissioners – Ireland
- Fraud Prevention Agencies
We may also share aspects of your information on occasions with organisation to enable continuity of service, these include:
- Organisations that pay premiums on your behalf in line with the policy contract.
- IT Support
We may pass information to our service providers to assist in the continuity and provisions of benefits. At the time of writing, the providers are Chubb European Group Limited & Medical Solutions UK LTD, however this is subject to change.
How long do we hold your data for?
Except as otherwise mentioned in this privacy notice, we keep your personal information only for as long as required by us:
- To provide you with the services you have requested
- To comply with other law, including for the period demanded by our tax authorities
- To support a claim or defence in court.
In line with our current retention policy we retain your personal data for 7 years after the health plan policy has ceased.
Where is your information stored?
All of your data is located in the EU.
Implications of not providing data
If you do not provide information we may not be able to:
- Provide requested services to you
- To continue to provide and/or renew existing products or services
We will tell you when we ask for information which is not a contractual requirement or is not needed to comply with our legal obligations.
How to exercise your information rights including the right to object
Access to your Data
You have the right to request a copy of all information about you held by HSF health plan.
You have the right to exercise your right to data portability in certain circumstances.
What if you want us to stop using your personal information?
You have the right to object to our use of your personal information, or to ask us to delete, remove, or stop using your personal information if there is no need for us to keep it.
There may be legal or other official reasons why we need to keep or use your data. But please tell us if you think that we should not be using it.
We may sometimes be able to restrict the use of your data. This means that it can only be used for certain things, if this is the case we would not use or share your information in other ways whilst it is restricted. You can ask us to restrict the use of your personal information if:
- It has been used unlawfully but you don’t want us to delete it.
- You have already asked us to stop using your data but you are waiting for us to tell you if we can keep on using it.
If you wish to exercise any of your above right you can do so by contacting the Data Protection Officer.
Verification of your information
When we receive any request to access, edit or delete personal identifiable information we shall first take reasonable steps to verify your identity before granting you access or otherwise taking any action. This is important to safeguard your information.
Right to complain
Should you not be happy with the way we handle your personal data, you have the right to complain. You can do so by contacting the Data Protection Officer.
If your complaint reasonably requires us to contact a third party, we may decide to give to that third party some of the information contained in your complaint. We do this as infrequently as possible, but it is a matter for our sole discretion as to whether we do give information, and if we do, what that information is.
You also have a right to lodge a complaint with the supervisory:
Ireland: Data Protection Commissioner
UK: Information Commissioner Office
Data Protection Officer contact details
HSF health plan.
24 Upper Ground,
London SE1 9PD.
Use of information we collect through automated systems when you visit our website.
Cookies are small text files that are placed on your computer’s hard drive by your web browser when you visit any website. They allow information gathered on one web page to be stored until it is needed for use on another, allowing a website to provide you with a personalised experience and the website owner with statistics about how you use the website so that it can be improved.
Some cookies may last for a defined period of time, such as one day or until you close your browser. Others last indefinitely.Your web browser should allow you to delete any you choose. It also should allow you to prevent or limit their use.
- To track how you use our website
- To record whether you have seen specific messages we display on our website
- To keep you signed in our site
- To record your answers to surveys and questionnaires on our site while you complete them.
Personal identifiers from your browsing activity
Requests by your web browser to our servers for web pages and other content on our website are recorded.
We record information such as your geographical location, your Internet service provider and your IP address. We also record information about the software you are using to browse our website, such as the type of computer or device and the screen resolution. We use this information in aggregate to assess the popularity of the webpages on our website and how we perform in providing content to you.
If combined with other information we know about you from previous visits, the data possibly could be used to identify you personally, even if you are not signed in to our website.
Information we obtain from third parties
Although we do not disclose your personal information to any third party (except as set out in this notice), we sometimes receive data that is indirectly made up from your personal information from third parties whose services we use.
No such information is personally identifiable to you.
Encryption of data sent between us
We use Secure Sockets Layer (SSL) certificates to verify our identity to your browser and to encrypt any data you give us.
Whenever information is transferred between us, you can check that it is done so using SSL by looking for a closed padlock symbol or other trust mark in your browser’s URL bar or toolbar.
Compliance with the law
However, ultimately it is your choice as to whether you wish to use our website.
We may update this privacy notice from time to time as necessary. The terms that apply to you are those posted here on our website on the day you use our website. We advise you to print a copy for your records.