1. Who we are

Fincyn is operated by FINCYN LTD, a private limited company registered in England and Wales under company number 15613479.

Registered office: 23 The Woodfields, South Croydon, England, CR2 0HG.

Fincyn Ltd is an Appointed Representative of Innovative Risk Labs Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 609155).

For privacy queries, contact us at info@fincyn.com.

2. Personal data we may collect

The personal data we collect depends on how you use Fincyn. It may include:

We do not knowingly collect personal data from children through the website or app.

3. How we use personal data

We use personal data only where we have a valid reason to do so. The main purposes are:

• To provide, maintain and improve the Fincyn app and website.
• To store, organise, summarise and display policy information that you choose to upload.
• To send service messages, reminders, account updates and security notices.
• To respond to enquiries, support requests and feedback.
• To keep Fincyn secure, prevent misuse and protect users.
• To understand how people use our website and app so we can improve them.
• To meet legal, regulatory, accounting and compliance obligations.

4. AI-assisted summaries

Fincyn may use AI-assisted tools to extract, summarise or organise information from documents you upload. These tools are designed to help you review policy information more easily.

We use Microsoft Azure AI services for this processing. Your documents and the information extracted from them are processed by Microsoft on our behalf, within Microsoft's European data centre region and under our data processing terms with Microsoft. Microsoft does not use this data to train its AI models.

AI-assisted summaries may not capture every term, exclusion or limitation. They do not replace your official policy documents, insurer communications or professional advice. You should check the original documents before making decisions, changing cover or making a claim.

We do not use AI-assisted summaries to make solely automated decisions that have legal or similarly significant effects on you.

5. Our lawful bases

Where UK data protection law applies, we rely on one or more lawful bases depending on the purpose:

6. Who we share data with

We only share personal data where needed for the purposes described in this policy. This may include:

• Innovative Risk Labs Ltd, our FCA-authorised principal firm, for regulatory oversight, compliance monitoring and oversight of complaint handling.
• QuoteZone, where you choose to get an insurance quote or buy a policy through a QuoteZone link in our app or website.
• Microsoft, which provides our cloud hosting, storage, account sign-in and AI services (Microsoft Azure).
• Technology, hosting, storage, analytics and security providers who help us operate Fincyn.
• Professional advisers such as lawyers, accountants, auditors and compliance advisers.
• Regulators, law enforcement or public authorities where required by law.
• Business partners only where this is necessary to provide a requested service or where you have agreed.

We do not sell personal data.

7. International transfers

Personal data used by Fincyn is hosted and processed by Microsoft in its European data centre region. This means your data may be transferred from the UK to the European Economic Area (EEA). The UK Government has made adequacy regulations for the EEA, which recognise that it provides an adequate level of protection for personal data. We also have data processing terms in place with Microsoft.

If we ever transfer personal data to a country without UK adequacy regulations, we will put in place the safeguards required by UK data protection law, such as the International Data Transfer Agreement or the UK Addendum to the EU Standard Contractual Clauses.

8. Retention and security

We keep personal data only for as long as needed for the purpose it was collected, including to provide services, comply with legal obligations, resolve disputes and keep appropriate business records.

Uploaded policy documents and extracted policy information are kept while your account remains active or while needed to provide the service, unless you delete them earlier or ask us to delete them where your rights apply.

Where we must keep records for regulatory or legal reasons, we follow the retention periods below:

We will not delete data where a complaint, legal claim, regulatory investigation or subject access request is ongoing. At the end of the retention period, data is securely deleted or anonymised.

Contact-form messages and support requests are kept for as long as needed to respond and maintain appropriate records. Technical and security logs are kept for a limited period unless needed for security, legal or compliance reasons.

We use technical and organisational measures designed to protect personal data against unauthorised access, loss, misuse or alteration, including access controls and encryption where appropriate. No online service can be guaranteed to be completely secure, so you should also keep your login details safe and tell us promptly if you suspect unauthorised access.

9. Your rights

You have certain legal rights under UK data protection law and regulations, summarised as follows:

• The right to be informed about our data processing activities, including through Privacy Notices such as this.
• The right of access to the personal information we hold about you. To request a copy of this information, you can make a subject access request to us verbally or in writing, using the details in the Contact us section.
• The right of rectification. You may ask us to correct any inaccurate or incomplete data, and we will respond within one month.
• The right to erasure and to restrict processing. You have the right to have your personal data erased and to prevent processing except where we have a legal obligation to process your personal information. You should bear in mind that by exercising this right you may hinder or prevent our ability to provide products and services.
• The right to data portability. On your request, we will provide you with your personal data in a structured format.
• The right to object. You have particular rights in relation to automated decision-making and profiling to reduce the risk that a potentially damaging decision is taken without human intervention. You can object to your personal data being used for profiling, direct marketing or research purposes.
• The right to withdraw consent. Where you have given your consent explicitly, but want to rescind this consent, you have the right to do so.

If you want to exercise any of these rights, please contact us using the details in the Contact us section.

10. How to make a complaint

If you are unhappy with how we have handled your personal data, please contact us first so we can try to put things right:

If you are not satisfied with our response, you have the right to complain to the UK Information Commissioner's Office (ICO):

11. Contact us

For any questions or concerns relating to this Privacy Policy or our data protection practices, or to make a subject access or any other request regarding the information we hold, please contact us at:

Who we are and who is responsible

Fincyn is a trading name of Fincyn Ltd, registered in England and Wales (company number 15613479), registered office 23 The Woodfields, South Croydon CR2 0HG. Fincyn Ltd is an appointed representative of Innovative Risk Labs Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 609155).

Innovative Risk Labs Ltd (“IRL”) is our principal. IRL is responsible for our regulated insurance business, including complaints about it. We handle complaints under IRL’s complaints procedure, and IRL oversees how every complaint is handled. You can complain to us, or directly to IRL, using the details below.

How to complain

You can complain by phone, email, post or any other reasonable means. Making a complaint is free.

Calls to 03 numbers cost the same as calls to 01 and 02 numbers and are included in inclusive minutes.

Please tell us:

• your name and how we can contact you;
• your Fincyn account email and any policy number;
• what went wrong, and when;
• what you would like us to do to put it right;
• copies of any relevant documents or emails.

What happens next

• Quick resolution. If we resolve your complaint to your satisfaction by the end of the third business day after we receive it, we will write to you to confirm this. We will also tell you that you can refer the complaint to the Financial Ombudsman Service if you later change your mind.
• Acknowledgement. Otherwise, we will acknowledge your complaint in writing promptly, normally within 5 business days. We will tell you who is dealing with it and that we will respond within 8 weeks.
• Updates. We will keep you informed while we investigate.
• Final response within 8 weeks. By the end of 8 weeks from the date we receive your complaint, we will send you either our final response, or a written response explaining why we cannot yet give a final response, when we expect to, and that you can refer your complaint to the Financial Ombudsman Service now.
• Our final response will explain our findings and decision, any offer we make to put things right, and your right to refer your complaint to the Financial Ombudsman Service. We will include a copy of the Ombudsman’s consumer leaflet or a link to it.

Complaints about a claim or the policy itself

If your complaint is about a policy you bought from another insurer or broker and stored in Fincyn, please complain to that firm. We will tell you who to contact.

The Financial Ombudsman Service

If you are not happy with our final response, or we have not sent it within 8 weeks, you may be able to refer your complaint to the Financial Ombudsman Service. It is free and independent.

You must refer your complaint to the Ombudsman within six months of the date of our final response. If you do not refer it in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances, for example if it believes the delay was the result of exceptional circumstances.

Financial Services Compensation Scheme (FSCS)

Fincyn does not arrange insurance policies directly. If you buy a policy through a QuoteZone link in our app or website, your insurer is named in your policy documents. If the insurer cannot meet its obligations, you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS). This depends on the type of insurance and your circumstances. More information: www.fscs.org.uk, 0800 678 1100.

Services that are not regulated

This page covers complaints about our regulated insurance business. If Fincyn provides any service that is not regulated by the Financial Conduct Authority, that service is not provided under Innovative Risk Labs Ltd’s responsibility, complaints about it are handled separately, and the Financial Ombudsman Service and the FSCS may not cover it.

The following Fincyn services are not regulated by the Financial Conduct Authority: storing your policy documents, reminders for renewals and other key dates, AI-assisted policy summaries, and the Jargon Buster. Complaints about these services are handled by Fincyn directly, using the contact details above.

Help making a complaint

• If you need this information in another format, such as large print, Braille, audio or another language, please ask us.
• If you have a disability, a health condition or are going through a difficult time, tell us and we will adjust how we deal with you, for example by calling at a time that suits you or communicating in writing only.
• You can ask someone else, such as a friend, relative or adviser, to complain on your behalf. We will need your permission to deal with them.
• Making a complaint does not affect your legal rights.

1. What cookies are

Cookies are small text files stored on your device when you visit a website. They help websites work, remember preferences, improve performance and understand how visitors use pages.

Similar technologies include local storage, pixels, tags and software development kits used in apps.

2. How Fincyn uses cookies

Fincyn may use cookies and similar technologies to:

• Operate the website and keep it secure.
• Remember basic preferences, such as a cookie choice if a consent tool is enabled.
• Understand how visitors use the website so we can improve it.
• Measure the performance of pages, campaigns and content.
• Support embedded or linked third-party services, such as app store links or hosted media.

Where analytics, marketing or other non-essential cookies are used, they should be switched off by default and used only after you consent.

3. Types of cookies we may use

4. Third-party services

Some pages may include links, images, embeds or services provided by third parties, such as app stores, hosting providers, analytics providers or media services. These third parties may set their own cookies or collect technical data when you interact with their services or when embedded content loads.

Third-party cookies are controlled by the relevant third party, not Fincyn. Please check their privacy and cookie notices for more information.

5. Managing your choices

You can control cookies in several ways:

• Use the cookie controls shown on our website when non-essential cookies are enabled.
• Change your browser settings to block or delete cookies.
• Use private browsing or device-level privacy controls.
• Opt out of non-essential cookies when prompted.

Blocking strictly necessary cookies may affect how the website works. Blocking non-essential cookies should not prevent you from using the main website.

6. Changes to this Cookie Policy

We may update this Cookie Policy when our website, technology or legal obligations change. The latest version will be posted on this page with a revised update date.

7. Contact us

If you have questions about this Cookie Policy, contact FINCYN LTD at info@fincyn.com.

1. About these terms

These Terms and Conditions form an agreement between you and FINCYN LTD when you access or use Fincyn.

FINCYN LTD is a private limited company registered in England and Wales under company number 15613479. Registered office: 23 The Woodfields, South Croydon, England, CR2 0HG.

Fincyn Ltd is an Appointed Representative of Innovative Risk Labs Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 609155).

If you do not agree to these terms, you should not use Fincyn.

2. Using Fincyn

Fincyn helps UK motor insurance policyholders manage and store policy documents, receive renewal reminders and review policy information more easily.

You must provide accurate information when using Fincyn and keep your account details secure. You are responsible for activity that takes place through your account unless caused by our failure to use reasonable care.

3. Information, reminders and insurance documents

Fincyn is designed to help organise, summarise and explain insurance information. It does not replace your official policy documents, insurer communications or professional advice.

AI-assisted summaries, reminders and extracted information are provided to support convenience and may depend on the quality, completeness and accuracy of the documents or details you upload.

You should always check your policy wording, schedule, renewal notices and insurer communications before making decisions, making a claim, renewing, cancelling or changing cover.

Unless we clearly tell you otherwise for a specific service, Fincyn does not underwrite insurance, guarantee that cover is suitable, guarantee that a claim will be accepted, or guarantee that every exclusion or policy limit has been identified.

4. Regulatory status

FINCYN LTD is an Appointed Representative of Innovative Risk Labs Ltd. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority.

Any regulated insurance distribution activity carried out by FINCYN LTD is carried out under the responsibility of its authorised principal. Fincyn does not claim to be directly authorised by the Financial Conduct Authority. Fincyn is not permitted to provide advice to customers when they are purchasing insurance products.

Information on this website and in the app is intended to help users understand and organise insurance information. It should not be treated as advice or a personal recommendation.

5. Your responsibilities

When using Fincyn, you agree that you will:

• Use Fincyn only for lawful personal or business purposes.
• Upload only documents and information that you are entitled to use.
• Keep your login details confidential and tell us promptly if you suspect unauthorised access.
• Check important policy information against your insurer's official documents.
• Keep your contact details and notification settings up to date.

6. Acceptable use

You must not misuse Fincyn. This includes attempting to:

• Access accounts, systems or data without permission.
• Upload malware, harmful code or unlawful material.
• Interfere with the operation, security or availability of Fincyn.
• Copy, scrape, resell or exploit Fincyn in a way that is not allowed by these terms.
• Use Fincyn in a way that infringes another person's rights or breaks the law.

We may suspend or restrict access if we reasonably believe these terms have been breached or if needed to protect users, Fincyn or third parties.

7. Intellectual property

Fincyn, including its website, app, branding, design, text, software and other materials, belongs to FINCYN LTD or its licensors.

You retain ownership of documents and information you upload. You give us permission to use that content only as needed to provide, secure, maintain and improve Fincyn, in line with our Privacy Policy.

8. Availability and liability

We aim to keep Fincyn available and useful, but we do not guarantee uninterrupted or error-free access. We may update, suspend or change parts of Fincyn from time to time.

Nothing in these terms limits liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation.

Subject to that, FINCYN LTD will not be responsible for losses that were not reasonably foreseeable, losses caused by your failure to follow these terms, or business losses where you use Fincyn as a consumer.

9. Complaints

If you are unhappy with Fincyn, please tell us so we can put things right. Our Complaints page explains how to complain to us or to our principal, Innovative Risk Labs Ltd, what will happen next, and your right to refer your complaint to the Financial Ombudsman Service.

10. Conflicts of interest and your best interests

As an appointed representative, we generally will always act honestly, fairly, and professionally ensuring your best interests are our priority. In certain circumstances we may act for and owe duties of care to Insurers and /or other parties. Where we become aware of any actual or potential conflict of interest, we will inform you of the situation, the options available to you and obtain your consent before we proceed.

11. Protecting your information

We take your privacy extremely seriously and we will only use your personal details in line with our Privacy Policy. Please read this carefully and contact us immediately if you have any queries. Where necessary, for example where we would like to use your data for some marketing purposes, we shall ask for your specific consent to do so. Your personal information includes all of the details you have given us to process any of your queries (we will not ask for more information than is necessary). We may share your data with third parties, as described in our Privacy Policy. Your data is hosted in Microsoft's European data centre region, which means it may be transferred outside the UK. We will not sell, rent, or trade your data under any circumstances. All of the personal information you supply to us will be handled strictly in accordance with the applicable Data Protection regulations and legislation.

12. Our earnings

In return for introducing business to insurers and/or underwriters and/or other product providers, including QuoteZone, we may receive remuneration from them. This will typically be in the form of a commission share with them, which is a percentage of the annual premium that you are charged.

13. Money laundering and proceeds of crime

We are obliged to report to the National Crime Agency any suspicion of money laundering or terrorist financing activity and we are prohibited from disclosing any such report.

14. Governing law

These terms are governed by the laws of England and Wales. The courts of England and Wales will have jurisdiction, except where consumer protection law gives you the right to bring proceedings elsewhere.

15. Contact us

If you have questions about these Terms and Conditions, contact: