Terms & Conditions
Spectrum permanent insurance(spectrumpermanentinsurance.com), and Permanent insurance(permanentinsurance.co.uk) are the trading name of Spectrumkod Limited. Companies House Registered number 13193199.
Spectrumkod Ltd allows you to create permanent private health insurance in Türkiye.
Calls may be monitored/recorded to help improve customer service. Call charges may vary.
Important legal information
Please read this information carefully. By accessing this website, you confirm that you have understood and agree to be bound by the following terms and conditions. This website and the information provided are for the use of permanent residents of the United Kingdom only.
Terms and conditions of use
The information contained on this website is general and does not constitute a contractual offer. Any medical, health, fitness or other similar information is intended for use solely as an educational aid. The data is designed to supplement where appropriate and in no way substitute the expertise and judgement of your physician, pharmacist or other healthcare professional. You are advised that decisions regarding the diagnosis and treatment of a medical condition, including decisions regarding drug therapy, are complex medical decisions requiring the independent and informed judgement of your appropriate healthcare professional. All specific questions regarding the treatment and care of a medical condition should be posed to your professional healthcare provider.
To the extent permitted by law, the Spectrumkod shall not be responsible for any loss or damage occasioned by the use of the information presented here for any reason and howsoever arising.
The Spectrumkod, its suppliers, subcontractors, licensees and sub-licensees are not responsible for any decisions you may make resulting from the use of the information including, but in no way limited to, your choosing to seek, or not to seek, professional medical care or your choosing or not choosing specific treatment. You hereby waive any claim you may have or acquire against Spectrumkod and agree to indemnify and hold Spectrumkod harmless from any claims, lawsuits, proceedings, costs, special, incidental, consequential or indirect damages, including damages for loss of profits, loss of business or downtime of this website arising out of or relating to your use of the information.
The views expressed on this website are not necessarily those of the Spectrumkod or its agents, nor are the products advertised herein necessarily endorsed by Spectrumkod or covered as benefits under the Spectrumkod policy. Whilst we endeavour to ensure the accuracy of the information, neither Spectrumkod, any of its staff, nor its agents will be held responsible for any omissions or errors or for any misfortune, injury or damages which may arise. The Spectrumkod does not endorse, assume responsibility for, or recommend using any drug or treatment method described on this website. This website contains content provided by third parties, of which Spectrumkod is merely a distributor and not a publisher. The information on this website is provided with no warranty, whether express or implied. The Spectrumkod does not represent this information's suitability and content for any purpose.
Nothing contained on this website or in these terms and conditions shall operate to exclude liability for death or personal injury caused by the negligence of the Spectrumkod, its suppliers, subcontractors, licensees and sub-licensees.
As a registered user of this website, you will receive all communications via email. Should you wish not to receive communications via email from Spectrumkod, you may change how you receive your touch on the website or call our contact centre.
You must immediately exit the site and notify us if you access any information from a third party. In addition, you must delete any copies of such information. You do not have our authority or permission to use any of our documents or content on your own website.
No warranty is given as to the freedom of this website from errors, defects, viruses, malicious programmes or macros. Links from this website exist for information only, and Spectrumkod accepts no responsibility or liability for the availability of or the information contained on any such site. The Spectrumkod shall have no liability to anyone who accesses third-party websites via a link from this website, and any use of third-party websites shall be at the user's own risk. The existence of a link to another website does not imply or express endorsement of its provider, product or services by Spectrumkod.
Data Protection Notice
Spectrumkod values its customer's trust and recognises that the safety and lawful use of everyone's data is key to retaining that trust and confidence. Therefore, Spectrumkod needs to collect, store, share and use personal data about past, current and prospective customers to meet its requirements in providing innovative products and services.
Spectrumkod takes compliance with privacy laws and regulations very seriously. We take appropriate measures, including training our staff about our data protection obligations to protect your data and legal rights. In addition, we have implemented effective policies and procedures and security measures to ensure we protect your data.
If you have any questions about our Privacy Notice or the information we hold about you, then please contact:
Name: Information Security Department
Address: Office 2, Bennet's House, 21 Leyton Road, Harpenden, England, AL5 2HU
Who we are
Spectrumkod is based in the United Kingdom and to find out more about who the Spectrumkod is, please see terms&conditions for the most up to date information.
To help you we have set out the meaning of certain words and terms used in this section as well as for our products and services.
Please make anyone whose personal information you have provided to us aware of this Privacy Notice. You must make sure any information you supply about anyone else is accurate and that they’ve agreed to the information being supplied.
How we use your information
If you have a plan with us or are considering getting one, we collect information about you and any joint plan owners when you call.
A quote for insurance, when you buy or renew a plan from us, when you amend or cancel your plan or when you make a claim under your plan.
If you are a beneficiary under the plan, we collect information about you when you claim the plan.
If you are a witness to an event giving rise to a claim, we collect your information to help us handle the claim.
We only collect information that is relevant and necessary for us to provide the product and to handle claims made under a plan.
If you contact us by telephone, we may record calls for training and monitoring purposes to help improve our service, detect and prevent fraud, and establish facts in case of a complaint.
What type of information do we collect?
Personal information provided by you and anyone named on the plan, directly or via the company who sold you the plan:
- Contact details
The financial information provided by you, directly or via the company who sold you the plan:
- Payment details
- Transactions and payments made for your plan
Sensitive information provided by you, directly or via the company who sold you the plan:
- Health information, including medical conditions and your doctor/hospital details
- Information about what you are insuring is provided by you, directly or via the company who sold you the plan.
• Information about your insurance history provided by you, directly or via the company who sold you the plan:
- Recent quotes for insurance
- Your insurance history
- Claims details
• Information relating to fraudulent or potentially fraudulent activity provided by fraud agencies and databases or collected from publicly available sources of information:
- History of fraud
- Indicators of fraudulent behaviour
- Investigations into fraud
• In addition to the information above, we also collect information from third parties to assist us in assessing your insurance risk. Some of this information is publically available such as census data. We also collect information regarding your vehicle from HPI Ltd.
Why we use your information
The information we collect may be used by our employees, third-party insurers, and service providers acting under our instruction for the reasons detailed below.
This notice explains how we collect, use and store personal information. Our privacy and personal information are essential, and we are committed to protecting them. We’ve tried to make this notice as clear and transparent as possible so you are confident about how we use your information. As data controllers, we decide how your information will be processed and managed. You will also find details regarding your rights under data protection laws and how to contact us.
To provide you with a quote.
To provide existing members with a quote.
To Assess your application.
To verify a Members identity.
To administer and manage your plan.
To handle claims made against your plan.
To resolve any complaints, you may have
To recover any debt that you owe to us
To prevent, detect and investigate fraud or money laundering
For management information purposes and internal analysis of products and services
For training purposes to improve your customer experience
Age Calculator: Automated decision making.
There is no obligation to provide us with personal information, but we cannot offer our products and services without it.
Anyone whose personal information we hold has the right to object to us using it.
They can do this anytime by telling us, and we will consider the request and either stop using their personal information or explain why we cannot.
How we share your information
To sell, manage and provide our products and services, prevent fraud and comply with legal and regulatory requirements, we may need to share your information with third parties, including:
We may share personal information with:
Other companies within the global Allianz Group Türkiye.
credit reference, fraud prevention and other agencies that carry out certain activities on our behalf, for example; the Insurance Fraud Bureau (IFB) and marketing agencies, if agreed
our approved suppliers to help deal with claims or manage our benefit services, for example, agreed hospitals, legal advisors and loss adjusters
other partners, local authorities and councils, including the RSPCA, if we suspect or conclude, following investigation, poor breeding practices or animal cruelty
other insurers, third-party underwriters, reinsurers, insurance intermediaries, regulators, law enforcement and the Financial Ombudsman Service (FOS); and other companies that provide services to us or you, for example, the Employers Liability Tracing Office (ELTO) and the Claims and Underwriting Exchange (CUE) and network organisations of which you are a member, and Information Commissioner’s Office (ICO)
providers of data services and data analysts who support us with developing our products and enhancing customer service and experience
external agencies for market research purposes
any organisation where you have agreed for them to receive that data as part of the terms and conditions of your membership or affiliation
Third parties in connection with the sale, transfer or disposal of our business.
Our use of other companies to provide our products and services to you.
To assist us in providing administration, services or benefits for your plan and any claims you make, we use other companies who work under contracts with us. We ensure that the level of security and the quality of service provided by those other companies are equivalent to the standard of services we provide.
Some of the companies who work under contract with us are located in countries outside of the United Kingdom and the European Economic Area. Where this is the case, we transfer your data to them on terms approved by the Information Commissioner. This is to ensure the appropriate security for your information, both in the transfer stage and when it is processed, and that your rights and confidentiality are protected in the same way as if We processed your data in the UK.
We will conduct direct marketing for customers of this product and other products and services managed by the Spectrumkod where you have consented.
You’ll get communications or emails about your plan or any changes to that plan as we have a statutory obligation to do so.
If your relationship with Spectrumkod ends, you should amend your preferences first, as they will still be active. However, you can contact email@example.com if necessary to retrospectively request an amendment to your preferences. We have one month in which to process these requests.
We have detailed third parties that may share your information within the ‘How we share your information’ section. Some of these third parties may be in countries outside the United Kingdom (UK) or the European Economic Area (EEA).
Under data protection law, when personal information is being transferred outside the UK, we, as data controllers, are obligated to ensure that such transfers are performed in a manner that ensures that your personal information is adequately protected.
If we transfer your personal information outside of the UK, we will always put adequate safeguards to protect your personal information. Sufficient safeguards may include placing contractual obligations on the third party that we are transferring your data.
How long do we keep your information for
We only keep your personal information for as long as necessary to align with the purposes for which we collected your information. We have set out in our general retention schedule below; however, in certain circumstances, it will be necessary to keep your data for longer, for example, when we are required to due to legal obligations or to defend or manage legal claims.
If you get a quote from us for insurance but do not take up the plan, we will keep your information for up to 12 months from the expiry date of the quote. This is to support customers returning shortly and to prevent and detect fraud.
In most cases, we will keep your information for 7 years from the plan's expiry date or from the settlement/closure of the claim, whichever is the latter. This is applicable if you get a quote from us and you buy the plan, if you have a plan with us, if you claim one of our plans (including if you are a third-party claimant) or if you are a witness to an event giving rise to a claim under one of our plans. This is so we can administer the insurance contract and handle claims against the plan.
It is essential to ensure that data is always protected and available for operational purposes. If there is data loss due to unforeseen circumstances, backup is an effective mechanism to assist businesses with recovering the data required for day-to-day operations. Our retention period for system back-ups is 5 years.
If we suspect, detect or investigate fraud or money laundering, we will hold information on a case-by-case basis for up to 7 years. We also provide a retention guide in the table under "Why we use your information?"
The UK GDPR provides the following rights for individuals:
Right to be informed: to be informed about the collection and use of your data, e.g. the purpose of processing your data, our retention periods for that personal data, and who we will share it with. We can find this information in our Privacy Notice. We have one month to respond to a request.
Right of Access: the right to access and receive a copy of your data. You can make requests verbally or in writing. Information is provided in an accessible, concise and intelligible format (not a machine-readable format). We may remove information identifying the third party. We must respond without delay and within one month of receipt of the request but may extend the time limit by a further two months if the request is complex or if you receive several requests from the individual.
Right to rectification: The right for individuals to have inaccurate personal data rectified or completed if it is incomplete. An individual can request rectification verbally or in writing. However, this is not an absolute right. If you provide false information, We may not correct this as it is not inaccurate.
We have one month to respond to a request. We have one calendar month to respond to a request.
Right to Erasure: (“the right to be forgotten”). Individuals can request erasure verbally or in writing. The right is not absolute and only applies in certain circumstances. In any case, we have a legal obligation to retain that data for 7 years even when the relationship no longer exists because the Financial Conduct Authority regulates us. We may erase information from our production ‘live’ systems; however, backup data will be retained for 5 years as part of our business continuity planning. We have one calendar month to respond to a request.
Right to Restriction: Individuals have the right to request the restriction or suppression of their data. This is not an absolute right and only applies in certain circumstances. An individual can request restrictions verbally or in writing. We have one calendar month to respond to a request.
Right to Portability: The right to data portability allows you to obtain and reuse your data across different services. It will enable them to safely and securely move, copy or transfer personal data from one IT environment to another safely and securely without affecting its usability. The right only applies to information an individual has provided to a controller. We should give the information in a structured, commonly used, machine-readable format. We have one calendar month to respond to a request.
Right to object to processing: The UK GDPR gives individuals the right to object to processing their data in certain circumstances. For example, you have an absolute right to stop your data from being used for direct marketing, but in some cases, you may still receive marketing material in production when your request is processed. However, in other instances in which the right to object applies, we may be able to continue processing if we can show that we have a compelling reason for doing so, for example, in notifying you of changes to your plan where you may be disadvantaged. In addition, an individual can object verbally or in writing. We have one calendar month to respond to an objection.
In some cases, we will be unable to comply with your request due to our own legal or regulatory requirements, but we will always respond to your request, and if we cannot comply, we will explain why.
If you want to know more about your rights, you can find more information on the ICO’s website.
How to complain about a Data Protection issue
If you have concerns about how we are handling your data, then these can be raised with the Information Security Department, even if you have already dealt with our Complaints Team.
We will contact you if we require more information to help us respond. Otherwise, we will respond within one month. This is following the Information Commissioners' guidance.
If you are still unhappy, you can complain to the Information Commissioners Office (ICO). The ICO's address:
Information Commissioner's Office,
Helpline number: 0303 123 1113
ICO website: https://www.ico.org.uk
Whilst we make every effort to ensure that the information contained on this site is complete and accurate, we are not liable for any errors, omissions or misleading statements on these pages or any site to which these pages connect. Anything on this site is for information and does not constitute investment advice.
Links to third-party websites on the site are provided solely as a convenience to you. If you use these links, you will leave the Spectrumkod site. Spectrumkod has not reviewed all of these third-party sites and does not control and is not responsible for any of these sites, their content or their privacy statement. Thus, Spectrumkod does not endorse or make any representations about them, any information, software or other products or materials found there, or any results we may obtain from using them. If you decide to access any third-party sites linked to this site, you do so at your own risk.
We reserve the right to make amendments and changes to the information on this site at any time. Unless indicated, the information provided on this site is not intended to be an offer by us to enter into a contract with you. A contract will be formed only after we have accepted your application and confirmed that an agreement had been entered into.
You are responsible for ensuring that any software downloaded onto your computer from this site is suitable and free from viruses.