Privacy and Cookies Policy
Last updated: 02/09/2026
Red Ruby Financial (“we”, “us”, “our”) is committed to protecting your privacy. This policy explains how we collect, use, store, and protect your personal information when you visit our website redrubyfinancial.co.uk or use our services, and sets out your rights under UK data protection law.
Red Ruby Financial is authorised and regulated by the Financial Conduct Authority (FRN: 822808). Our registered office is 15 Front Street, Sherburn Hill, Durham, DH6 1PA. Company number: 11533510.
If you have any questions about this policy or how we handle your data, contact us at admin@redrubyfinancial.co.uk or 03332 421 647.
1. Who We Are
We are the data controller responsible for your personal information collected through this website and our services. This means we decide how and why your personal information is processed.
2. What Information We Collect
We may collect and process the following information about you:
Identity information: name, date of birth, title
Contact information: address, email address, phone number
Financial information: income, employment details, financial circumstances, existing insurance policies
Health information: relevant medical history where required to assess insurance applications (this is “special category” data under UK GDPR and is handled with extra care, as set out below)
Technical information: IP address, browser type, device information, and information collected via cookies (see Section 8)
Marketing preferences: how you’d like to hear from us, and your communication choices
Records of our communications: call recordings, emails, and website chat transcripts
3. How We Collect Your Information
We collect information when you:
Fill in a form on our website or request a quote
Speak to one of our advisers by phone
Email or otherwise correspond with us
Apply for a policy through us
Interact with our website (via cookies and similar technologies)
4. How We Use Your Information
We use your personal information to:
Provide you with quotes and arrange insurance cover
Assess your application and eligibility for products
Communicate with you about your enquiry or policy
Meet our legal and regulatory obligations, including FCA requirements and anti-money laundering checks
Improve our website and services
Send you marketing communications, where you’ve consented to this (you can opt out at any time)
Prevent fraud
5. Our Legal Basis for Processing
Under UK GDPR, we rely on the following legal bases:
Contract: to provide the services you’ve asked for
Legal obligation: to comply with FCA rules and other regulatory requirements
Consent: for marketing communications and certain uses of health data
Legitimate interests: for fraud prevention, service improvement, and business administration, where this doesn’t override your rights
6. Special Category Data (Health Information)
Where we collect health information to assess an insurance application, we only do so with your explicit consent, and only use it for the purpose of arranging and administering your cover. We do not use health information for marketing purposes.
7. Sharing Your Information
We may share your information with:
Insurance providers, to obtain quotes and arrange cover on your behalf
Regulatory bodies, such as the FCA, where required by law
Third-party service providers who support our business (e.g. IT providers, call recording services), under strict data processing agreements
Fraud prevention agencies
We do not sell your personal information to third parties.
8. Cookies
Our website uses cookies and similar technologies to make the site work properly, understand how it’s used, and improve your experience.
What are cookies?
Cookies are small text files placed on your device when you visit a website. They help the website remember information about your visit.
Types of cookies we use:
Strictly necessary – required for the website to function (e.g. security, page navigation). These can’t be switched off.
Analytics/performance – help us understand how visitors use our site, e.g. Google Analytics. You can opt out.
Functionality – remember your preferences and choices. You can opt out.
Marketing/advertising – track visitors across websites to display relevant ads. You can opt out.
Managing cookies
When you first visit our site, you’ll be asked to accept or manage your cookie preferences via our cookie banner. You can also change your cookie settings at any time by visiting SETTINGS LINK, or by adjusting your browser settings to block or delete cookies. Note that blocking some cookies may affect how the website functions.
9. How Long We Keep Your Information
We keep your personal information only as long as necessary for the purposes it was collected, including to meet legal, regulatory, accounting, or reporting requirements. As a general rule:
Application and policy data: retained for the duration of your policy plus 7 years afterwards, in line with FCA record-keeping requirements
Marketing data: retained until you withdraw consent or opt out
Website analytics data: retained for 2 years
10. Your Rights
Under UK GDPR, you have the right to:
Access the personal information we hold about you
Correct inaccurate or incomplete information
Erase your information, in certain circumstances
Restrict or object to processing of your information
Data portability, where technically feasible
Withdraw consent at any time, where we rely on consent
Complain to the Information Commissioner’s Office (ICO) if you’re unhappy with how we’ve handled your data
To exercise any of these rights, contact us at admin@redrubyfinancial.co.uk.
You can also contact the ICO at ico.org.uk or on 0303 123 1113.
11. Keeping Your Information Secure
We use appropriate technical and organisational measures to protect your personal information against unauthorised access, loss, or misuse, including encryption, access controls, and staff training.
12. Changes to This Policy
We may update this policy from time to time to reflect changes in our practices or legal requirements. We’ll post any updates on this page with a revised “last updated” date.
13. Contact Us
If you have questions about this policy or how we handle your personal information:
Email: admin@redrubyfinancial.co.uk
Phone: 03332 421 647
Post: 15 Front Street, Sherburn Hill, Durham, DH6 1PA
