This Privacy Policy explains how Rotten Royals handles personal information when you use rottenroyals.com, email the desk, subscribe to notes, or book guidance. It is written in plain language on purpose. Insurance is already full of dense paper.
Last updated: 29 September 2026.
1. This notice
Personal information means details that identify you or could reasonably be linked to you. A name, an email address, a telephone number you choose to give, a description of your household, a vehicle, a health-plan question, or a business routine can all be personal information when they point back to a person.
This notice covers the website, email sent to info@rottenroyals.com, newsletter requests, appointment requests, and the notes we write if you become a guidance client. It does not cover an insurer’s own privacy notice. If you apply for a policy, read the insurer’s notice as well. Their reasons for holding your data are not the same as ours.
Please read this policy with the Terms & Services. The terms explain the guidance relationship. This policy explains the information that relationship uses.
2. Who we are
Rotten Royals operates the guidance desk described on this website. For privacy questions, email info@rottenroyals.com with the subject line “Privacy”. We do not publish a telephone number or a street address. Email is the channel we monitor during desk hours, Monday to Friday, 9:00 to 18:00.
If a request is about a message you sent us, include the email address you used so we can find the right thread. If you are writing on behalf of someone else, tell us your authority. We will not discuss a client’s recap with a third person merely because they know the client’s name.
3. The short version
We collect as little as we can and only for a reason we can say out loud. We use details to answer you, to prepare guidance, to send notes you asked for, and to keep a record of what we told you. We do not sell personal information. We do not buy marketing lists. We do not ask for a full payment card number or a password in an ordinary contact form.
The website itself is a set of static pages. A great deal of what you type into a form never leaves your browser. The sections below separate that on-screen behaviour from email you deliberately send, because those are different acts and they deserve different explanations.
4. Forms on this site
Quote forms, the appointment form, the quick contact form, the footer newsletter box, the subscribe page, and the unsubscribe page include checks that run on your device. They look for a name where one is required, an email address that has a plausible shape, a message long enough to be useful, a date that is not in the past, and a confirmation box. If something is missing, the page shows a short error beside the field. If the checks pass, the page shows this acknowledgement: “Thank You! one of our representative will contact you”.
Those checks do not, by themselves, transmit the form to a server run for this website. The acknowledgement is displayed locally. It is not proof that a message has entered an inbox. If you want a guide to read your question, send it by email to info@rottenroyals.com. Please do not rely on a form acknowledgement alone when a renewal date or a departure date is close.
Because the static forms do not create a stored record on our side, we also cannot retrieve a form after you close the page. Copy anything you need before you leave. This design keeps stray drafts off a server. It also means we cannot see a form that was never emailed.
Optional phone fields exist so you can offer a number if you want a reply that way. Leave them blank if you prefer email only. We would rather have no number than a number you did not mean to publish.
5. Email you send
When you email info@rottenroyals.com, your message leaves your device through your own email provider and arrives in the mailbox we monitor. From that moment the contents are information we hold. That includes your address, the subject, the body, any files you attach, and the time the message was sent.
Please do not attach identity documents, medical files, or full financial account numbers unless we have asked for a specific item and explained why a quote cannot proceed without it. In most first conversations we need categories, not certificates: who drives, what kind of home, how long a trip lasts, what a workshop does on a normal day. Start there.
If you email us about another person, you are responsible for having a proper reason to share their details. A partner’s name on a joint household question is a common and reasonable share. A neighbour’s private affairs are not. We may delete material we should not have been sent and tell you that we have done so.
6. What we collect
Depending on how you deal with us, we may hold:
- Identity and contact details you give by email, such as your name, email address, and an optional phone number.
- Appointment details: a requested date and time, the line of cover, and the question you want answered.
- Household or business facts needed for guidance, such as who would be named on a policy, how a vehicle is used, whether you own or rent, or what a small business does.
- Limited health-plan information you choose to describe, such as whether someone already has a clinician or a medicine they need a plan to recognise. We do not want full medical histories in a first email.
- Correspondence, recaps we send, and your corrections to those recaps.
- Newsletter preferences: the address you asked us to write to and the topics you picked.
- Payment references for a guidance fee, held by the payment route we agree, not a full card number stored in a casual inbox if we can avoid it.
- Technical basics a mail host or a font host may log, such as the fact that a page requested a typeface. We do not run our own analytics tracker on these pages.
We do not ask you to create an account. There is no password database for this website. There is no public profile of clients.
Illustrative stories on the testimonial and project pages are written by us as composites. They are not a bank of client quotations, and they are not personal information about a real customer.
7. Why we use it
We use personal information to:
- Read and answer email sent to the desk.
- Decide which guide should lead, among life, auto, home, health, business, and travel.
- Prepare a question list, hold an appointment, and write the recap your plan includes.
- Help you shape a quote request you can send to an insurer, if you ask us to.
- Send coverage notes you subscribed to, and stop them when you unsubscribe.
- Take or refund a guidance fee, and keep a record that the fee matched a plan.
- Correct a mistake in a recap when you point it out.
- Protect the desk against misuse, such as a request that we hide a material fact.
- Meet a legal duty if one applies to a record we actually hold.
We do not use your details to build a score that we sell. We do not use a health-plan comment to advertise unrelated products. A person who writes about travel cover should not start receiving pressure about a permanent life policy they never mentioned. Topic choice exists to prevent that drift.
8. Grounds
We rely on straightforward reasons, described without hiding behind a code number. Where you ask us to do something, such as reply to an email or prepare a recap, we use the information because it is necessary for that request. Where you tick a box to receive notes, we treat that tick as your consent for those notes, and you can withdraw it on the unsubscribe page or by email.
We also have a legitimate interest in keeping a short record of what we told you, so that a later disagreement is about the email that was sent and not about two memories. That interest is limited. It does not justify keeping a discarded enquiry forever, and it does not justify reading an email thread for a marketing campaign you did not join.
If a law requires us to keep or disclose a record, we will do that and, where we are allowed, we will tell you. We do not volunteer client stories to journalists, to other households, or to business partners who would like a testimonial. The composites on the site are fictional teaching notes for that reason.
9. Newsletters
Coverage notes are optional. The subscribe page asks for a name, an email address, at least one topic, and a confirmation. The footer box asks for an email address. Because those forms are browser-side, the reliable way to join is to email info@rottenroyals.com with the subject “Subscribe” and the topics you want. We will treat that email as the request that counts.
If you are on the list, you can leave at any time. Use the unsubscribe page’s instructions by emailing “Unsubscribe” from the same address, or use any unsubscribe path a letter itself contains. We aim to stop further notes promptly. A letter already in transit may still arrive. Unsubscribing does not delete a guidance file if you are also a client. Say if you want that discussed separately.
We do not add you because you asked a one-off question. A quote email is not a subscription. We will not treat a booking as consent for a newsletter. Those are different yeses, and we keep them apart.
10. Appointments and recaps
An appointment uses more sensitive detail than a newsletter, because the point is to talk about your actual risk. You choose what to reveal. We will tell you if we cannot give useful guidance without a particular fact. You can decline, and we may then have to stop, but the choice stays yours.
Recaps are sent to the email address you nominate. If that address is shared with other people, they may see the recap. Tell us if a different address should be used. We will not copy a recap to an insurer unless you have seen it and asked us to pass that version on.
Health-related comments are used only to explain plan structure, networks, or the questions an application may ask. They are not used to diagnose you and they are not placed in a marketing segment. Travel medical comments are treated with the same restraint. Business details are used to separate a household policy from a business policy, not to prospect your clients.
11. Sharing
We share personal information only in narrow cases:
- With the guide inside Rotten Royals who is responsible for your topic, so you are not explaining the same facts twice.
- With an insurer or other provider, and only the pack you have approved, if you ask us to pass a quote request on.
- With a payment provider for a guidance fee, limited to what the payment needs.
- With an email or file host that we use to send and store desk mail, under a duty to handle it for us and not for their own advertising.
- With a professional adviser such as an accountant or a lawyer if we need advice and the detail cannot be anonymised. We keep that rare.
- If the law requires a disclosure, or if it is necessary to protect someone from serious harm.
We do not sell, rent, or trade personal information. A social share button does not share your mailbox. It shares the public address of the page you were viewing, and only when you choose that button.
If we ever use a helper outside our desk to type a recap or host mail, they will be bound to use the information only on our instructions. We remain responsible for explaining that relationship in this policy if it becomes a standing arrangement.
12. Keeping information
We keep email and recaps only while they are needed for the reason they were collected, plus a modest period so we can answer a follow-up or show what was said if a dispute arises. As a working rule:
- A newsletter address is kept until you unsubscribe, and then removed or suppressed so we do not write again by mistake.
- A casual enquiry that does not become an appointment is kept only long enough to finish the reply thread, and not as a marketing file.
- A guidance recap and the emails around it are kept for the plan period and for a further period that lets you ask what we told you at renewal time. We review files that have gone quiet.
- Payment records are kept for as long as accounting rules that apply to us require.
When a record is due to go, we delete it or reduce it so it no longer identifies you, unless a legal hold says otherwise. Backups, if a mail host makes them, fall away on that host’s cycle. We will not restore a backup merely to revive a marketing list.
Static form entries that never leave your browser are not in our keeping at all. We cannot delete what we never received. Clear those by closing the page.
13. Security
We take ordinary care: mailbox access is limited to people who answer the desk, we do not leave recaps in a public folder, and we ask you not to send secrets we do not need. Email is not a perfect vault. A message can be misaddressed, and a shared family inbox can be read by more than one person. If your question is highly sensitive, say so in the first line and we will agree a more careful way to continue before you send detail.
No method of storage is free of risk. We do not claim that a breach is impossible. If a breach affects your information and we are obliged to tell you, we will write to the email we hold for you and describe what happened in practical terms, not in vague comfort.
You can reduce risk on your side by not forwarding a recap into a large group, by checking the address before you send identity papers, and by treating a surprise email that asks for a password or a fee card as something to question. We will not ask for your email password. A guidance fee, if one is due, will be described in a thread you already opened with us.
14. Your choices and requests
You can ask us, by email, to:
- Confirm whether we hold information about you that arrived by email or through a paid plan.
- Send you a copy of the recap and the main emails in that file.
- Correct a fact that is wrong, such as a misspelled name or a driver we listed in error.
- Delete an enquiry that went no further, subject to any record we must keep.
- Stop newsletter mail, which you can also do from the unsubscribe page by emailing the same request.
- Object to a use that is not necessary for the guidance you asked for.
We may need to confirm that the requester is you. That is why we answer the address already on the file, or ask a question only you would know about the appointment. We will not send a recap to a new address until we are satisfied. We aim to answer privacy requests within a reasonable time during desk hours, and we will tell you if a request is so broad that we need you to narrow it.
Correcting a recap does not correct an application you already sent to an insurer. If a fact changed, you should tell the insurer as well. We will help you see the difference between our note and their form, but we cannot edit their system.
15. Children
The website is written for adults who arrange cover for a household, a trip, or a business. We do not knowingly collect information directly from children. A parent or guardian may mention a child because a life, health, or travel question includes them. In that case we use the detail only for that question. If you believe a child has written to us directly, email us and we will delete the message unless a parent asks us to keep it for a genuine coverage reason.
Please do not send a child’s identity document. A first name and a relevant fact, such as “a child will travel” or “a child needs to be on the health plan,” is usually enough to start.
16. Cookies and local storage
These pages do not set analytics cookies and do not run an advertising pixel. We do not use the site to follow you across other websites. A form does not write your answers into a long-lived tracking profile.
Your browser may still store ordinary technical items of its own, and a font request may be logged by the font provider as part of delivering the typeface. You can block third-party requests in your browser. The site will remain readable in a fallback font. Blocking scripts will turn off sliders, filters, and on-page form checks, but the text of the pages will still be there.
If we add a cookie that is not strictly needed to show the page, we will update this section first and we will not pretend it was always here.
17. Social sharing
Share icons for Facebook, X, LinkedIn, and email are links. They open when you choose them. The social network then receives the page address according to its own rules, and your relationship with that network is governed by its policy, not by this one. We do not receive a list of your friends because you shared a page.
An email share opens your own mail program with the page title and address. It does not pass through our mailbox unless you address it to us. Check the recipients before you send, especially if a recap is also sitting in the same draft. The share link is meant for public pages, not for private advice.
18. Readers in other regions
People write to us from many places. This policy is the one we follow for the desk. Your local law may give you extra rights, such as a right to complain to a privacy authority where you live. We will respect rights that apply to information we actually hold. Sending an email to us is the act that places a message with the desk. Using a static form that never leaves your browser does not place that text with us.
We do not claim that every insurer you might later choose stores data in the same way. Ask them where a policy record is kept if that matters to you. We will not guess on their behalf.
19. Changes to this policy
We will update this page if the desk starts to collect, send, or store information in a new way. The date at the top will change. If a change is serious and we have your email because you are a client or a subscriber, we will also mention it in the thread or the letter. Continuing to browse public pages after an update means you have the new notice available. A paid plan still follows the privacy promises that were in place when you bought it, unless the change gives you more protection or the law requires it.
If we ever connect the on-page forms to a real inbox, this section about browser-only forms will be rewritten before that connection is switched on. We will not leave an old sentence in place that hides a new collection.
20. How to contact us about privacy
Email info@rottenroyals.com with the subject “Privacy”. Describe what you want: a copy, a correction, a deletion, or a stop to notes. Include the address you used with us. We will reply during desk hours.
If you are unhappy with a reply, say what is missing and we will look again. You may also take the matter to a privacy authority that has a right to hear from you. We would rather correct a file than argue about one, especially where the mistake is a name, a date, or a driver who should never have been on the list.
Insurance guidance only works when the facts are allowed to be accurate. That includes the facts about how we handle your information. If this policy and your experience of the desk ever diverge, write to us. The page should move to match the desk, not the other way around.