Protecting your lifestyle. Securing your future.
Protecting your lifestyle. Securing your future.
Last modified: 21 March 2022
These terms of use tell you the terms of use on which you may make use of our website at www.dentistsprovident.co.uk ('website').
Use of this website implies that you have read and accepted our terms of use. Please leave the website if you do not agree with these terms. By proceeding with access to our website, you are deemed to have accepted these terms.
This website is owned by Dentists’ Provident Society Limited ('Dentists’ Provident'/'we'/'us'), a registered Friendly Society incorporated in England and Wales under the Friendly Societies Act 1992 (Registered Number 407F).
We may revise these terms of use at any time by amending this page. When we post changes to these terms of use, we will revise the 'last modified' date at the top of this page.
Please check this page from time to time to take notice of any changes we have made, as they are binding on you.
We make every reasonable effort to ensure the information contained on this website is accurate and current, but we make no representations and give no warranties whatsoever concerning such information or the website generally, except where stated otherwise.
We may update our website from time to time, and may change the content at any time. However, please note that any of the content on our website may be out of date at any given time, and we are under no obligation to update it.
Nothing on this website constitutes an invitation, inducement or offer to subscribe for membership or additional benefits offered by us.
This website is intended for general information only. It is not designed to provide financial, medical or other advice, nor is it intended to make any recommendations regarding the suitability of our plans for any particular individual.
We strongly recommend that prospective members take appropriate professional advice before making any decision or taking, or refraining from, any action on the basis of the content on our website.
The rules regarding tax treatment of premiums and benefits in relation to our contract and income protection insurance may change in the future.
The material on this website may refer to our past performance and/or those of our investments. Past performance cannot and should not be relied upon as a guide to future performance.
We do not guarantee that our website, or any content on it, will be free from errors or omissions.
We do not guarantee that our website, or any content on it, will always be available or be uninterrupted, or that our website will be secure or free from bugs or viruses. Access to our website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our website without notice. We will not be liable to you if for any reason our website is unavailable at any time or for any period.
You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
You are responsible for making all arrangements necessary for you to have access to our website.
You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.
Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by applicable law.
To the fullest extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our website or any content on it, whether express or implied.
We, our agents, representatives or subcontractors will not be liable to any website user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
If you are an intermediary, please note that in particular, we will not be liable for:
If you are a current or prospective member, please note that we only provide our website for domestic and private use. You agree not to use our website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programmes, data or other proprietary material due to your use of our website or to your downloading of any content on it, or on any website linked to it.
Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products or services by us to you, which will be set out in the relevant product or service terms and conditions.
You agree to use our website only for lawful purposes and in a way which does not infringe the rights of anyone else or restrict or inhibit anyone else's use and enjoyment of our website. Website content must not be copied or reproduced, modified, redistributed, used or otherwise dealt with for any other reason without our express written permission. You are not entitled to use the content of our website for commercial exploitation in any circumstances.
Unless expressly stated otherwise, you may not copy, print, modify, sell, transfer or otherwise assume that any licence or right has been granted to reproduce or use any contents, information or software on this website.
You may, however, download or print website contents owned by Dentists’ Provident for your own personal, non-commercial use. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Other websites may not link or frame this website without our prior written consent. This site may contain links to other internet sites that are not maintained by us. These links are provided solely for your convenience. We make no warranties or representations about, and disclaim any responsibility for, the contents of any products or services offered in third party sites. We have no control over the contents of those websites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. Any reference to a linked site or any specific product or service by name does not constitute or imply its endorsement by Dentists’ Provident.
This website may contain links to other websites. We assume no responsibility for the content of websites linked on our website. Such links should not be interpreted as an endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
If any of these terms are held to be invalid, illegal or unenforceable in whole or in part for any reason by a court of competent jurisdiction, such provision shall be struck out and the unaffected terms will continue to be valid.
If we fail at any time to insist upon strict performance of any of your obligations under these terms of use, or if we fail to exercise any of the rights or remedies to which we are entitled under these terms of use, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.
Nothing in these terms of use shall confer, or is intended to confer, on any person or corporation that is not party to these terms of use any benefit or the right to enforce any term on these terms of use.
This website is designed for use in the United Kingdom, the Channel Islands, the Isle of Man and the Republic of Ireland and we do not warrant the availability, suitability or legality of any information or membership/benefits in relation to the residents of other jurisdictions.
This website may not be used by persons resident in any country where its use is unlawful; all users are responsible for compliance with all laws and regulations applicable to them.
These terms of use, their subject matter and their formation are governed by English law and will be subject, save as set out in line with our rules, to the exclusive jurisdiction of the Courts of England and Wales.
We are the owner or licensee of all intellectual property rights in our website and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
If you have any questions about our website or these general terms, please contact:
Head of Compliance and Risk
Dentists’ Provident
91-94 Saffron Hill
London
EC1N 8QP
Our usage of your personal information is governed by our data privacy policy. Please read the data privacy policy carefully as it sets out your rights and our obligations in relation to your personal information, including what we can do with it and your rights of access.
Introduction
Protecting your personal data is extremely important to us. The way we collect and share your information is equally important. Our members expect us to manage their information privately and securely. This policy tells you how we collect, use and share your personal data. It also includes details of your rights before 11pm on 31 December 2020, when all your personal data will have been treated in accordance with the General Data Protection Regulation (EU) 2016/679 and the applicable data protection legislation in the UK or the Republic of Ireland.
After that time, that GDPR will be retained in UK domestic law and shall be known as the “UK GDPR” which together with the Data Protection Act 2018 and related legislation, as amended or replaced, we refer to here as the “UK Data Protection Legislation”.
After that time, the personal data of our Republic of Ireland Members, as EEA residents, will continue to be treated in accordance the General Data Protection Regulation (EU) 2016/679 (the “EU GDPR”) and the applicable data protection legislation in the Republic of Ireland, as amended or replaced (together we refer to here as the “EU Data Protection Legislation”).
Personal data described in the UK Data Protection Legislation or (where applicable for EEA residents) the applicable EU Data Protection Legislation is information which directly or indirectly identifies you, whilst you are living. We are committed to processing your personal data in accordance with the applicable UK Data Protection Legislation or EU Data Protection Legislation. Dentists’ Provident Society Limited (Dentists’ Provident/we/us) is a data controller.
It may be necessary for you to give us personal data so that we can provide you with the requested products and services, fulfil any contractual relationship with you, inform you of our services, comply with applicable laws, regulations and/or codes of practice and for the other purposes as set out in this policy.
Changes to this data privacy policy
We may change our Data Privacy Policy from time to time to reflect, for example, any changes in our business, law, markets or the introduction of any new technology. We will publish the updated Data Privacy Policy on our website at: www.dentistsprovident.co.uk
We recommend that you review it periodically. This version was last updated on and effective from the date stated above.
How we collect your personal data
We may collect your personal data in a number of ways, including:
What personal data we collect
Types of information we may collect about you includes:
|
Type of information |
Examples of information |
Some customer examples of how we use it |
|
Contact |
|
|
|
Personal details |
|
|
|
Lifestyle and health |
|
|
|
Financial information |
|
|
|
Transactional |
|
|
You must make sure that if you give us personal data about someone else, you should have a lawful basis for doing so, for example, you have their consent to share personal data with us. Where applicable, you should ensure they read this Data Privacy Policy and understand how we can use and disclose their information, in the ways described in this Data Privacy Policy.
We may use your personal data for reasons including but not limited to the following:
The UK Data Protection Legislation (and where applicable the EU Data Protection Legislation) requires us to have a lawful basis for processing your data.
We process your data:
Special Category Data and Criminal Conviction Data
Additional requirements apply to these categories of data. Data such as medical & health, racial & ethnic, genetic & biometric or sex life & sexual orientation (referred to in the UK GDPR or EU GDPR if applicable as Special Category data) and criminal conviction data, will either be processed:
when you have given explicit consent (necessary) to processing those personal data for one or more specified purposes, where we are unable to provide or administer insurance cover without this consent. You are free to withdraw your consent by contacting our Head of Member Services at memberservices@dentistsprovident.co.uk or by telephone on +44 (0) 20 7400 5710. You can also contact us using our website www.dentistsprovident.co.uk/contact-us/. However, withdrawal of the consent will impact our ability to provide insurance or pay claims. The European Representative appointed in relation EEA residents’ data protection matters should also be sent a copy of your consent withdrawal. Their current contact details shall be on the Data Privacy Policy on our website. We shall let them know of your consent withdrawal if you have not yet notified them.
For these lawful bases and purposes, we may disclose certain personal data to third parties as follows:
to fraud prevention agencies and databases. See below.
We handle your personal data to prevent and detect crime (including fraud). This includes where necessary sharing information with private investigation firms and the following:
We may check your details with fraud prevention agencies and databases. If false or inaccurate information is provided and suspected fraud is identified details may be passed to these fraud prevention agencies and databases. Law enforcement agencies may access and use this information.
We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
We may also share information about you with other organisations and public bodies, including the police, the General Dental Council or the Dental Council of Ireland.
Operation of your account
We use fraud detection systems to help us to identify whether your account may be being used fraudulently. Your personal data may be used in this fraud prevention process. For example, if we suspect a risk of fraud, we may put a hold on any suspect activity on the account or refuse access to the account at that time to allow time for this to be validated.
Verification of others related to your contract
We may also check the details of other parties related to your contract, including verification of their role and identity. This includes beneficiaries, trustees, settlors, executors or administrators of your estate, parties with power of attorney.
International transfer from the UK
Your data may be transferred to, and stored at, a destination outside the UK, including Israel. Some third party providers are outside the UK (e.g., our policy administration software vendor is based in Israel and personal data could be sent to Israel for software management and debugging purposes). Also, we may transfer your data outside the UK if you are or have gone outside the UK.
The UK government has decided that Israel ensures an adequate level of data protection because as of 31 December 2020 it recognises all European Commission adequacy decisions that existed on that day (which includes Israel, Jersey, Guernsey and the Isle of Man). The UK government has also determined that all 27 EU and EEA member states as at 31 December 2020 have adequate data protection laws.
Where there is no adequacy decision (referred to in the UK as an ‘adequacy regulation’), we shall transfer your data internationally provided there are appropriate safeguards such as:
The IDTA and Addendum referred to above can be used from 21 March 2022 and transitional arrangements also apply as described at https://www.ico.org.uk.
Transfer of EEA individuals’ data from the EEA to outside the EEA
The data of EEA individuals (e.g., Members in the Republic of Ireland) shall be transferred to, and stored at, a destination outside the European Economic Area ("EEA"), including the UK and Israel. Most third party providers are outside the EEA (e.g., our policy administration software vendor is based in Israel and personal data could be sent to Israel for software management and debugging purposes). Also, we shall transfer your data outside the EEA if you are or have gone outside the EEA.
The European Commission has decided that Israel ensures an adequate level of data protection compared with the EU – this is called an adequacy decision. Before 31 December 2020, the UK applied for an adequacy decision from the European Commission and the European Commission’s data protection adequacy decisions are available on https://ec.europa.eu/info/law/law-topic/data-protection/international-dimension-data-protection/adequacy-decisions_en).
Where there is no adequacy decision, we shall transfer your data outside the EEA provided there are appropriate safeguards such as:
We shall take all reasonably necessary steps with third party providers to make sure that your data is treated securely and in accordance with an equivalent standard as within the EEA.
When we transfer your personal data outside the EEA, we will take all reasonably necessary steps to ensure your data is protected to an equivalent standard as within the EEA.
You have rights under the UK Data Protection Legislation or (where applicable) the EU Data Protection Legislation that relate to the way we process your personal data. More information on these rights can be found on the Information Commissioner’s website www.ico.org.uk (www.dataprotection.ie in the Republic of Ireland). If you wish to exercise these rights, please get in touch with our member services team by email at memberservices@dentistsprovident.co.uk or by telephone +44 (0) 20 7400 5710. You can also use the Contact Us section of our website www.dentistsprovident.co.uk/contact-us/.
For EEA individuals, after 31 December 2020, you can contact our European Representative for data protection matters at CMDH Limited, Enterprise House, O'Brien Road, Carlow, Ireland. Their current contact details shall be on the Data Privacy Policy on our website.
To enable us to monitor and action subject access requests as promptly as possible please provide your request in writing.
You have the right to:
We will take steps to protect your personal data against loss or theft, as well as from unauthorised access, disclosure, copying, use or modification, regardless of the format in which it is held.
Unfortunately, sending information via e-mail is not completely secure; anything you send is done so at your own risk. Once received, we will secure your information in accordance with our security procedures and controls.
We will keep your personal data in accordance with our internal Retention Policy. We will determine the length of time we will keep your personal data based on the minimum retention periods required by any applicable law and regulations. We may keep your personal data for longer if we have a legitimate interest in doing so.
If you have any questions about our Data Privacy Policy or wish to exercise your rights, including changing your marketing preferences, please get in touch with our member services team by email at memberservices@dentistsprovident.co.uk or by telephone on +44 (0) 20 7400 5710. You can also contact us using our website www.dentistsprovident.co.uk/contact-us/. As explained in the Rights section above, to enable us to monitor and action subject access requests as promptly as possible please provide your request in writing.
If you have any concerns about the way we process your personal data, or are not happy with the way we have handled a request by you in relation to your rights, you can contact our Data Protection Officer, Kirby Mardle at 91 - 94 Saffron Hill, London, EC1N 8QP, by telephone on +44 (0) 20 7400 5700 or by emailing dataprotection@dentistsprovident.co.uk.
For EEA individuals, after 31 December 2020, you can also contact our European representative for data protection matters at CMDH Limited, Enterprise House, O'Brien Road, Carlow, Ireland. Their current contact details shall be on the Data Privacy Policy on our website.
You also have the right to make a complaint to the applicable Information Commissioner's Office. Their contact details are:
|
England |
Scotland |
Wales |
Northern Ireland |
Ireland |
|
First Contact Team |
Information Commissioner’s Office |
Information Commissioner’s Office |
Information Commissioner’s Office |
Office of the Data Protection Commissioner |
Our 2024 Annual General Meeting will be held at 91-94 Saffron Hill, London, EC1N 8QP on Friday 24th Ma…
Read more
The 2023 annual report from Dentists’ Provident, a leading income protection provider for dental profe…
Read more
Our next exhibition is the British Dental Conference & Dentistry Show in May, where we look forward to meeting anyone interested in becoming a member or members wanting to discuss their plans.