Privacy Policy


Ripe Thinking Limited, Ripe Insurance Services Limited, The Golfers Club U.K. Limited, GreenFree Limited and any other companies under ultimate control by Ripe Thinking Limited form the “Ripe Group”. The Ripe Group are committed to protecting the privacy of visitors to this website. This Privacy Policy is designed to let you know what information we collect about you, how we store it and how we use it.

This website is operated by the Ripe Group. The Ripe Group is ultimately owned and controlled by Ripe Thinking Limited whose registered office is at The Royals, Altrincham Road, Manchester, M22 4BJ and is registered in England at Companies House registration number 09651089.

By visiting this website, you are accepting the practices described in this Privacy Policy. Any dispute you have regarding privacy is subject to this Privacy Policy and our Terms of Business. We keep this Privacy Policy and the Terms of Business under regular review and we reserve the right to update them without notice. We recommend you visit these sections regularly as continued use of this site after a change will constitute acceptance of the new Terms. Our Terms of Business do not affect your statutory rights.

Statutory Obligation

We are registered with the Information Commissioner’s Office (ICO) and we appear on the Data Protection Public Register (Registration Ref: ZA288747, Z9481976 and Z6686163). We are committed to compliance with all relevant data protection legislation, including the General Data Protection Regulation effective 25th May 2018 (which replaces the Data Protection Act 1998) and Privacy and Electronic Communications Regulations 2003.

What information do we collect about you?

We collect information about you when you register with us, contact us or place an order for our services. We also collect information when you voluntarily complete insurance forms, customer surveys, provide feedback and participate in competitions.

Website usage information is collected using cookies. Further details on our use of cookies is set out below.

How will we use the information about you?

We collect information about you to send you a quote, process your order (such as your name, postal address and e-mail address, financial information (for example, account or credit card details) and demographic/profile information (for instance, your postcode and age), to manage your account, and if you agree, to contact you by email, via social media, SMS, post or telephone, about other products and services we think may be of interest to you.

We use your information collected from the website to personalise your repeat visits to our website. If you agree we shall share your personal information within Ripe Group to offer you additional products and services.

We shall use your personal information for: a) performing the services which you have requested; b) for delivering any prizes or discounts which you may be entitled to through promotions or competitions run by us or our partners; c) for any regulatory or legal purposes imposed on us (for instance for reporting to the Financial Conduct Authority); d) for informing you about other services and products provided by us or our partners which may be of interest to you (where you have provided your consent); and e) for any other legitimate interest of ours such as for carrying out credit checks, preventing fraud, maintaining adequate records or for the recovery of unpaid debts.

You have the right at any time to stop us from contacting you for marketing purposes or giving your information to companies outside of the Ripe Group. If you no longer wish to be contacted for marketing purposes, please e-mail

Some or all of the information you supply to us in connection with your insurance proposal may be passed to third parties including: a) insurance and other companies for underwriting, claims and premium collection purposes; b) service providers (such as our partners in order to redeem any promotional offers or for us to run a promotion); c) credit reference agencies; d) other sub-contractors who may assist us in providing the services requested from you; and e) to our partners for marketing purposes (where you have provided your consent). Where a partner processes your information for their own purposes (for instance when redeeming a promotional offer) you should refer to such partner’s own privacy policy.

In processing your order, we may send your details to, and use information from credit reference agencies, fraud prevention agencies and other companies for use in credit decisions and to pursue debtors. If you apply to us for insurance, we will also pass your details to the insurer. Information provided by you may be put onto a register of claims and shared with other insurers to prevent fraudulent claims.

Wherever possible we will not transfer your information to countries outside of the European Economic Area (EEA), but we will use a UK Service Partner to process specific insurance registration forms. They will use their internal resource outside located outside of the EEA to complete this service, but your information will remain in the UK and activity will be completed through remote log-in. Where we do transfer your information outside of the EEA we shall put in place suitable safeguards to ensure the protection of your information.

Automated Decision Making

We will look to automate decisions within our processes where it is possible, and you will have the right to the reasoning behind any decisions taken by these automated means (e.g. the result of declarations made during any online application). Where you do not wish us to take any automated decisions using your personal information, you must contact us at, or write to us at: Data Protection Administration, Ripe Thinking Limited, The Royals, Altrincham Road, Manchester M22 4BJ.


We would like to send you information about our product and services, carefully selected partners and other companies in our group, which may be of interest to you and where you have consented to receive marketing.

You have right at any time to stop us from contacting you for marketing purposes or sharing your information with other members of the group or partners. If you no longer wish to be contacted for marketing purposes from the Ripe Group, please contact Ripe Thinking Limited at, or write to us at: Data Protection Administration, Ripe Thinking Limited, The Royals, Altrincham Road, Manchester M22 4BJ.

Unless we hear from you otherwise, we shall keep you informed of any promotions, discounts or other products and services from the Ripe Group that we may think may be of interest to you for up to 36 months from your last interaction with the Ripe Group. Following such period, we shall assume that you are no longer interested in such promotions, discounts or other products and services.

To stop receiving contact about one of our products or from a partner, you must contact each partner directly.

Access to your information and correction

You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all your personal information, please email us at, or write to us at: Data Protection Administration, Ripe Thinking Limited, The Royals, Altrincham Road, Manchester M22 4BJ.

We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove information you think is inaccurate.

How long we will keep the information for

Your information will be kept for no longer than is necessary for the purposes for which the personal information is processed. In doing so we may retain such information for a reasonable time to prevent fraudulent activities, for our own reporting regulatory requirements and to protect ourselves in the event of any legal claims and complaints.

Social plugins

The Website contains social plugins from social media platforms such as Facebook and Twitter. If you visit a website containing such a plugin, your browser can establish a direct connection with the servers of those social media platforms and transmit information about your surfing behaviour to their servers (e.g. even if you do not click the “Like” button). If you are logged into one of the social media sites, the social media platform can assign the visit to your social media account. The Ripe Group has no influence on the type and scope of the information collected and transmitted but may receive information through such channels and you may receive marketing from us via such social media platforms as a result of your browsing habits.


We confirm the use of cookies and by using this site you accept the conditions of our Cookie Policy. If you prefer not to have cookies stored on your computer, you may change your browser settings to either refuse all cookies, or to ask you if you wish to accept a cookie each time a website tries to store one. Please refer to our Cookie Policy for further information. If cookies are blocked, you may not be able to use all functions of this Website.


If you are aged 13 or under‚ please obtain your parent or guardian's permission prior to providing any personal information to us. Children without this consent should not provide us with such information.

Dealing with other people

To comply with data protection legislation, the request of many of our policyholders and to make the managing of your policy more convenient, it is our procedure to deal only with the person named on the policy. If you would like someone else to be able to deal with your policy for you on a regular basis, please let us know. In some exceptional circumstances, we may also deal with other people who call us on your behalf. If at any time you would prefer us to deal only with you, please call to let us know.

In dealing with other people on your behalf we will need to process their personal information, please ensure you have the permission for us to process their information for such purposes to enable them to deal with your policy.


The Ripe Group employs up to date technology to protect against the loss, misuse or alteration of information under our control. Our internal procedures cover the storage, access and disclosure of information in accordance with data protection legislation. Please note that e-mails are not 100% secure. We advise that you take this into account before e-mailing personal and confidential information to us. If you send information by e-mail to us, you are doing so at your own risk.

We use industry standard encryption technologies when transferring and receiving customer information exchanged with our website. Your personal information may be held on computer or manual files.

External Links

The Ripe Group accepts no responsibility for the content or privacy practices of any site to which a hypertext link from this site exists. The links are provided "as is" with no warranty, express or implied for the information provided within them.

Contacting Us

If you have any queries about this website we can be contacted by:


Post: Ripe Thinking Limited, The Royals, Altrincham Rd, Manchester M22 4BJ

How to report a concern

If you have a concern about how your information is being used and our data practices, we ask that you contact Ripe Thinking Limited at, or write to us at: Data Protection Administration, Ripe Thinking Limited, The Royals, Altrincham Road, Manchester M22 4BJ.

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