Privacy Statement & Legal Notices

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FCA and PRA

WPA is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA). Our registration (number 202608) can be checked on the FCA website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. WPA Protocol PLC is a wholly owned subsidiary and appointed representative of WPA.

Terms and Conditions

By using this website you are agreeing to be bound by the terms of use set out in this notice which is to be governed by and construed in accordance with English Law.

Copyright and Registrations

Western Provident Association Limited is registered in England - company no. 475557. Its registered office is Rivergate House, Blackbrook Park, Taunton, Somerset TA1 2PE, telephone 01823 625000, fax 01823 623050.

WPA and the WPA logo are registered trademarks of Western Provident Association Limited. WPA owns copyright and all other intellectual property rights in the material appearing on this website (unless expressly indicated otherwise). You must not modify in any way or change the information available on this website.

Protecting Your Personal Information

At WPA it is a key priority to safeguard the privacy and security of your personal information whilst providing a service that fully meets your needs. WPA observes high standards of confidentiality and security in relation to the personal data we hold.

If you are buying a WPA policy and/or using this website you are consenting to the collection and processing of your personal information in accordance with the terms of this statement and/ or the terms of this statement as appropriate.

If you register with us you will have a user name and password. It is extremely important that you keep these safe and do not disclose them to anyone else.

Information which we hold on you as a customer will include your name, address, bank details and medical history. This will be stored and processed fairly and securely in accordance with the Data Protection Act 1988.

How we use information about you

To detect and prevent fraud or improper claims we may check your details with a fraud prevention agency/agencies.   If you give us false or inaccurate information and we reasonably suspect fraud, we will record and investigate this.  We work with other organisations including other insurers to pool information about applications or claims which are believed to be fraudulent.  Where potential fraud is notified to us, or identified by us, we will investigate this. 

  

We may use and disclose your information to provide our services, to administer your policy including  underwriting, claims processing,  assessment and analysis, to improve our services and to protect our interests.

  

We may share customer information, including medical information, in strict confidence, with other persons who provide a service to us, or act as agents, including our Appointed Representatives and companies located outside the EEA.

 

We may also share medical information with those involved in a patient´s care or treatment eg their GP, specialist, therapist.

 

We may require your treatment provider to supply us with any information we feel reasonably appropriate in relation to the administration of the policy.

 

We never share any information about customers with third parties for marketing purposes.

 

By becoming a WPA customer you are consenting to the use and disclosure of your data as set out above for yourself and your family members and you are consenting explicitly to the release of any appropriate information as above by your treatment provider to us.

 

Giving you information

We may advise you by letter, telephone, e-mail or otherwise of services or products which we believe you may be interested in.  If you do not wish to receive such information please tell us at any time.

 

You have a right to know what information we hold about you. We may request a small administration fee for supplying a copy of any personal information.

 

Disclaimer

WPA is not liable to any person for loss or damage arising (including without limitation, loss of business, profit or consequential loss) from the use or inability to use the website. The content of this website is not a substitute for professional medical advice or treatment. Practitioners and hospitals named on this website have met WPA´s recognition criteria but you should make your own full enquiries as to expertise.

The website contains links to other websites over which WPA has no control. It is the responsibility of third parties to ensure that all such material and websites comply with relevant laws and regulation. To the maximum extent permitted by law WPA disclaims all responsibility for such websites.

Links to the WPA website are not permitted without our prior consent.

Material posted on any comment or bulletin boards maintained by WPA represents the views of the authors and not of WPA.

Fraud Prevention

WPA will not tolerate fraud or corruption, and works actively to prevent money laundering.

WPA is a member of several widely known UK fraud prevention services and other organisations, whose members pool limited information about applications, claims or other records where there is evidence of fraud.

Where we are notified of, or identify, a potential fraud we will investigate and record this and notify appropriate legal and professional bodies.

If we obtain evidence of fraud or reckless or deliberate misrepresentation in relation to your plan we will take legal action for recovery of all losses to us, the interest on these sums and all associated costs.  This will involve recovery of any claims we have paid to you.

We reserve the right to make the plan void from the date it started and will not refund any premiums you have paid to us.

To find more information about fraud prevention please contact RiskReviewGroup@wpa.org.uk

Visitors to the website

Unless otherwise indicated to the contrary, content of this website is directed solely at people accessing the site from the United Kingdom, the Channel Islands and the Isle of Man. If you choose to access the website from other locations you are responsible for compliance with local laws and for assessing the extent to which local laws are applicable.

Cookies

A cookie is a text file containing anonymous information that is stored on your computer or mobile device by a web server when you visit a website. Each cookie is unique to your web browser. It allows a website to remember things like your preferences or details of items that you are going to purchase online.

Cookies may be used to record details of pages relating to particular products and services that you have visited on our websites. This is to provide us with generic usage statistics to allow us to improve our websites.

Web browsers are initially set up to accept cookies. If you prefer, you can set your web browser to disable cookies or to inform you when a website is attempting to add a cookie. You can also delete cookies that have previously been added to your computer´s cookie file. If you prevent us from placing cookies on your computer during your visit or you delete a cookie that has been set previously, it will not be possible for you to use our website effectively.

By navigating around this website we will assume you are happy with cookies being set by us to allow us to provide certain services to you and to improve your experience with us online.

The cookies we use are shown below and are categorised as defined by the International Chamber of Commerce (UK):

  • Strictly Necessary - essential for providing the functionality and services offered on this website - e.g. Secure Area login.
  • Performance - used to collect anonymous information about how you use our website so we can learn how to make the experience better for you.
  • Functionality - typically used to record information about choices you have made to customise a website.
  • Targeting - usually third party cookies placed by advertising networks and social networks to collect browsing habits in order to target relevant adverts to the user.

List of Cookies used by WPA

Strictly necessary

Cookie Name Purpose
ASPNET_SessionId 120-bit random number that is represented by a 20-character string. It is needed for the correct working of our website. This cookie does not gather any information about you that could be used for marketing or remembering where you've been on the internet. This cookie expiries at the end of your session.
ClientVars Enables WPA to track applications that have been generated from other websites, storing the name of the intermediary and a unique ID number. This cookie will expire after 90 days or until you decide to remove it.

Performance

Cookie Name Purpose
Utma
Utmb
Utmc
Utmz
WPA also uses Google Analytics, a web analytics service provided by Google, Inc. Google Analytics sets a cookie in order to evaluate your use of our site and compile reports for WPA on website activity. Google Analytics is used primarily as a back-up to WebTrends and provides us with more information than WebTrends can when promoting WPA via Google Pay Per Click advertising (PPC). Google stores the information collected by the cookie on servers in the United States. 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. Unless you choose to opt-out of this cookie, by using this site you consent to its use and any information generated by Google Analytics. Opt-out of Google Analytics cookies.

Functionality

Cookie Name Purpose
CookieConsent Allows us to show the cookie consent warning message only once at the top of the first page viewed on this website. This cookie stores a value to indicate that the warning message has been shown to the user and not to repeatedly display the message on subsequent pages. This cookie expires after 30 days.

Third Party Cookies

You will notice ´share´ buttons on some pages on this site. These allow you to easily share content with friends via popular social networks such as Twitter and Facebook. When you click on one of these buttons, a cookie may be set by the service you have chosen to share content through. WPA does not control the distribution of these cookies. Please check the relevant third party´s website for more information.

How do I turn cookies off?

All modern browsers allow you to change your cookie settings. These settings will typically be found in the "options" or "preferences" menu of your browser. In order to understand these settings, the following links may be helpful, otherwise you should use the "Help" option in your browser for more details.

We do not recommend turning cookies off when visiting wpa.org.uk as this will prevent you from regsitering, signing in, and using many of the services on the site.

To unsubscribe from mailing lists

Occasionally we may wish to contact you to follow upon enquiry that you have made about our products or services.

If you want to unsubscribe, please advise us as follows:

  • E-mail us with your name, address and customer number
  • Telephone us between 8.00 am and 6.00 pm, Monday to Friday on 01823 625000.
  • Write to us at: WPA, Rivergate House, Blackbrook Park, Taunton, Somerset, TA1 2PE. Please quote your name, address and customer number. Please allow 4 days for the unsubscribe process to be completed.