Lampuki Lampuki.com

Privacy Policy

Last updated: March 2025

1. Who We Are

Lampuki.com ("we", "us", "our") is Malta's leading insurance comparison website. We help consumers in Malta compare quotes from leading insurers for car, home, travel, health, boat, landlord, and business insurance. Our website is operated from Malta and is subject to Maltese and EU data protection law.

If you have any questions about this policy or how we handle your data, please contact us at our contact page.

2. Data We Collect

When you use Lampuki.com to compare insurance quotes, we may collect the following categories of personal data:

  • Identity data: full name, date of birth
  • Contact data: email address, phone number
  • Vehicle data: registration number, make, model, year of manufacture
  • Property data: property address, type, rebuild value
  • Health data: general health questions required for health insurance quotes (no medical records)
  • Financial data: estimated insurance premium preferences
  • Usage data: pages visited, time on site, device and browser information (collected via Google Analytics)

We do not collect payment card details. Any payments are handled directly by the insurer you choose.

3. How We Use Your Data

We use your personal data for the following purposes:

  • To provide quotes: We pass your details to our insurance partners so they can generate accurate quotes for you.
  • To improve our service: We analyse aggregated, anonymised usage data to improve our website and quote comparison tools.
  • To communicate with you: If you opt in, we may send you relevant insurance information, renewal reminders, or offers from our partners.
  • To comply with legal obligations: We retain certain records as required by Maltese financial services regulations.

4. Legal Basis for Processing

Under the General Data Protection Regulation (GDPR) and the Data Protection Act (Malta), our legal bases for processing your data are:

  • Contract performance: Processing necessary to provide you with insurance quotes you have requested.
  • Legitimate interests: Improving our website and services, fraud prevention.
  • Consent: Marketing communications (you may withdraw consent at any time).
  • Legal obligation: Compliance with financial services and anti-money laundering regulations.

5. Data Sharing

We share your data with the following categories of recipients:

  • Insurance partners: GasanMamo, Atlas Insurance, Middlesea Insurance, MAPFRE MSV Life, Citadel Insurance, HSBC Life Assurance — to generate quotes on your behalf.
  • Analytics providers: Google Analytics (anonymised usage data).
  • Regulatory authorities: Where required by law or the Malta Financial Services Authority (MFSA).

We do not sell your personal data to third parties. We do not share your data with insurers without your initiation of the quote request.

6. Data Retention

We retain your quote data for up to 12 months to allow you to revisit and compare quotes. After this period, identifiable data is deleted or anonymised. Usage data collected by Google Analytics is retained according to Google's standard retention policies.

7. Your Rights

Under GDPR, you have the following rights regarding your personal data:

  • Right of access: Request a copy of the data we hold about you.
  • Right to rectification: Ask us to correct inaccurate data.
  • Right to erasure: Request deletion of your data ("right to be forgotten").
  • Right to restrict processing: Ask us to limit how we use your data.
  • Right to data portability: Receive your data in a machine-readable format.
  • Right to object: Object to processing based on legitimate interests or for direct marketing.

To exercise any of these rights, please contact us. We will respond within 30 days.

8. Cookies

We use the following types of cookies:

  • Essential cookies: Required for the website to function correctly.
  • Analytics cookies: Google Analytics cookies to understand how visitors use our site. These are set with anonymised IP addresses.

You can control cookies through your browser settings. Disabling analytics cookies will not affect your ability to use the quote comparison service.

9. Security

We take the security of your data seriously. All data transmitted through Lampuki.com is encrypted using TLS/SSL. We do not store full payment details and we implement access controls to limit who within our organisation can access personal data.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "last updated" date at the top of this page. We encourage you to review this policy periodically.

11. Contact & Complaints

If you have any questions about this Privacy Policy or wish to make a complaint, please contact us.

If you are not satisfied with our response, you have the right to lodge a complaint with the Office of the Information and Data Protection Commissioner (IDPC) Malta at idpc.org.mt.