This policy applies to users in Australia and the United Kingdom.

1. Who We Are

Right Life Insure is operated by Ulist Pty Ltd T/A Uleads Digital ("we", "us", "our"), a company registered in Australia. We operate a comparison and lead generation platform that connects individuals and businesses with relevant third-party providers across insurance, finance, and other verticals.

We operate across Australia and the United Kingdom. Applicable privacy laws apply to how we handle your personal information depending on your location. See Section 16 for your rights.

2. Definitions

• Service: The Right Life Insure website and platform operated by Ulist Pty Ltd T/A Uleads Digital.
• Personal Data / Personal Information: Any information relating to an identified or identifiable individual.
• Usage Data: Data collected automatically from your use of the Service.
• Cookies: Small files stored on your device to help us operate and improve our Service.
• Data Controller: The entity that determines the purposes and means of processing personal data.
• Data Processor / Service Provider: A third party that processes data on our behalf under our instructions.
• Lead: A record created when you submit an enquiry through our platform.
• Provider: A third-party company to whom we may pass your enquiry details.

3. Our Services

We provide services including:

• Connecting users with providers for quotes, consultations, or services
• Providing editorial content and comparisons
• Sending offers, insights, and updates
• Facilitating participation in surveys, promotions, or market research

4. How Our Services Work (IMPORTANT)

Our platform is designed to help you find relevant providers quickly. We use automated systems to score and prioritise leads and to match enquiries with providers.

If an automated decision has a legal or similarly significant effect on you, you have the right to request a human review, to obtain an explanation of the decision, and to contest the outcome. To request a review contact [email protected]. We will acknowledge requests within 5 business days and respond substantively within 30 calendar days.

When you submit a form:

• You provide your details and requirements
• We assess your request (including automated processing where applicable)
• We match you with relevant third-party providers
• Your details are shared with those providers
• Providers may contact you directly by phone, email, SMS or messaging apps

5. What Personal Information We Collect

a) Information you provide

• Name, email address, phone number
• Address or postcode
• Product or service requirements
• Business name, type, and size (where applicable)
• Any additional information submitted relevant to the product or service

b) Automatically collected data

• IP address
• Device and browser information
• Usage behaviour and pages visited
• Cookies and tracking data

c) Additional data sources

• Marketing partners
• Data enrichment providers
• Publicly available data

d) Lead generation-specific data

• Partially completed form data
• Lead scoring and profiling data
• Disposition data

e) Call Recording

Some providers you are connected with may record calls for quality assurance, training, fraud prevention, and dispute resolution purposes.

6. How We Use Your Information

Core services

• Matching you with relevant providers
• Delivering quotes or recommendations

Lead distribution

• Sharing your details with providers so they can contact you

Verification and fraud prevention

• Ensuring submissions are genuine
• Preventing duplicate or fraudulent leads

Communications

• Responding to enquiries
• Customer support and feedback

Marketing and advertising

• Sending relevant offers, including offers related to other products and services operated by Ulist Pty Ltd T/A Uleads Digital
• Creating custom and lookalike audiences
• Measuring campaign performance

Service improvement

• Analytics and user behaviour insights
• Lead scoring and optimisation

7. Legal Basis for Processing

Our legal basis for processing depends on your region:

• Australia: We collect and use personal information where it is reasonably necessary for our functions (APP 3), where you would reasonably expect it, or where you have provided consent.
• UK: We process personal data on the basis of contract performance, legitimate interests, consent, or legal obligation under UK GDPR.

Processing Activity	Primary APPs (AU)	UK/GDPR Basis	Other Laws
Collecting form data	APP 3; APP 5; APP 1	Contract; Legitimate interests	Consumer law obligations
Sharing leads with third-party providers	APP 6; APP 1	Contract; Legitimate interests	Contract law; consumer protection
Marketing communications	APP 6; APP 5	Consent; Legitimate interests	Spam Act 2003; CAN-SPAM
Automated matching and lead scoring	APP 1; APP 3; APP 6	Legitimate interests	OAIC guidance; ICO guidance
Fraud prevention and verification	APP 3; APP 6; APP 11	Legitimate interests; Legal obligation	Criminal law interfaces
Analytics and advertising	APP 6; APP 11; APP 1	Consent; Legitimate interests	Ad platform policies
Cross-border transfers	APP 8	Art. 46 UK GDPR safeguards	International transfer rules
Data subject rights	APP 12; APP 11	Art. 15–22 UK GDPR	OAIC; ICO
Backups and disaster recovery	APP 11; APP 1	Art. 32 UK GDPR	N/A

8. Contacting You (Calls, SMS, AI)

When you provide your contact details, we or the providers we connect you with may contact you via phone calls, SMS, messaging platforms, and email. This may include manual contact by our team or automated and AI-assisted tools.

You can opt out at any time by following the unsubscribe instructions in any message or contacting us at [email protected].

We comply with applicable anti-spam and telemarketing laws in each region we operate, including Australia's Spam Act 2003 and Do Not Call Register Act. All marketing messages will clearly identify us and include a functional unsubscribe mechanism.

9. Sharing Your Personal Information

a) Service providers

Hosting, CRM, analytics, data enrichment or validation partners.

b) Third-party providers

When you submit an enquiry, your data is shared with relevant providers who may contact you directly. These providers may act as independent controllers of your data and have their own privacy policies.

c) Advertising platforms

Google, Meta, TikTok. We may share pseudonymised data to measure campaign performance and build custom or lookalike audiences.

d) Business transactions

If Ulist Pty Ltd T/A Uleads Digital is involved in a merger or acquisition, your personal data may be transferred. We will provide notice before your data becomes subject to a different privacy policy.

e) Law enforcement

We may disclose your data where required by law or in response to valid requests by public authorities, or where we believe disclosure is necessary to protect rights, property, or safety.

10. International Transfers

Your data may be transferred and processed outside your country of residence, including in Australia, the United Kingdom, and other countries where our service providers operate. We take appropriate steps to ensure your data is protected in accordance with applicable law, including standard contractual clauses and adequacy decisions. Contact [email protected] for information about safeguards used for a specific transfer.

11. Data Retention

We retain personal information only as long as necessary for the purposes collected and to meet legal obligations.

Data Type	Retention Period
Lead/enquiry data	Up to 4 years
Marketing contact data	Until opt-out or 12 months inactivity
Partial form data	24 hours (backups up to 30 days)
Research data	Up to 4 years
Web analytics data	Up to 26 months

We securely delete or de-identify data when it is no longer required.

12. Cookies and Tracking

We use cookies, event tracking technologies, and advertising identifiers for website functionality, analytics, and advertising attribution. Cookie types include session, preference, security, and analytics cookies. You can manage cookie preferences through your browser settings. Note that disabling certain cookies may affect the functionality of our website.

13. Service Providers

We work with third-party service providers who process data on our behalf. These providers only have access to your data to perform specific tasks and are contractually obligated not to use it for any other purpose.

Analytics: We use Google Analytics to monitor and analyse use of our Service. You can opt out via the Google Analytics Opt-out Browser Add-on. See Google's Privacy Policy for more.

Behavioural Remarketing: We use remarketing services including Google Ads and Meta (Facebook) to advertise to you on third-party websites. You can opt out of personalised Google advertising at google.com/settings/ads.

14. Security

We implement appropriate technical, organisational, and physical measures to protect your data, including:

• Encryption in transit (TLS 1.2 or higher) and at rest
• Access controls and least-privilege authentication
• Multi-factor authentication for administrative access
• Firewall protections and anomalous access monitoring
• Incident response procedures for detecting, reporting, and addressing data breaches

In the event of a data breach we will contain and remediate the incident promptly and notify affected individuals and relevant regulatory authorities as required by law. If you believe your interaction with us is no longer secure, please notify us immediately at [email protected].

15. Children's Privacy

Our Service does not address anyone under the age of 18. We do not knowingly collect personal information from minors. If you are a parent or guardian and believe your child has provided us with personal data, contact [email protected] and we will take prompt steps to remove that information.

16. Your Rights by Region

Contact [email protected] to exercise any of the rights below. We will acknowledge requests within 5 business days and respond within 30 calendar days.

17. Changes to This Policy

We may update this Privacy Policy periodically. The latest version will always be published at rightlifeinsure.com/privacy-policy with a revised effective date. We encourage you to review this policy periodically.

18. Contact Us

For any privacy-related queries or to exercise your rights:

• Email: [email protected]
• Mail: Ulist Pty Ltd T/A Uleads Digital, Level 2/89 McLachlan St, Fortitude Valley QLD 4006, Queensland, Australia

We will acknowledge all requests within 5 business days and respond substantively within 30 calendar days.