Special categories of data and criminal convictions

The processing is necessary in connection with any contract that you may enter into with us. The processing is necessary for us to comply with the law and our legal requirements. The processing is necessary to pursue our legitimate interest in the management and operation of our business. The processing is necessary to pursue our legitimate interest in operating our business. We may also need to collect special categories of data from you, such as information about health, in order to perform our contractual obligations to you. The lawful basis on which we can do this is that the processing is necessary for reasons of substantial public interest relating to insurance. We may also collect information on criminal convictions which we may share with third parties. The lawful basis on which we can do this is that the processing is necessary for reasons of substantial public interest relating to insurance. 

Who We Pass Your Personal Data To

We may need to pass your personal data to other companies which may include:

• Other companies or brands within our group of companies; for example, if we are unable to provide a suitable insurance policy on request or at renewal we will check if any of our associated group companies can provide you with suitable cover,
• The insurers, intermediaries and third-party service providers that we use for the purpose of arranging and administering your insurance policy. This may also include risk management assessors, uninsured loss recovery agencies, premium finance providers and other third parties involved (directly or indirectly) in the administration of your insurance and its associated benefits,
• Firms that provide administration and processing services to us or on our behalf under contract in order to complete activities such as claims handling, IT systems and administrative services and other activities set out in this Privacy Notice, as well as support activities such as finance and auditing services,
• Organisations that have a specific role laid out in law, such as statutory bodies, regulatory authorities and other authorised bodies,
• Other organisations where we have a duty to or are permitted to disclose your personal information by law; for example, if we received a valid request from the police or other third-party organisation in the interest of preventing and detecting crime,
• Fraud prevention agencies and operators of registers available to the insurance industry to check information and prevent fraud,
• Credit reference agencies to check your credit history. This check will be recorded on your credit reference file without affecting your ability to apply for credit or other financial products,
• Third parties we use to recover money you may owe us or to whom we may sell your debt,
• Another company, if our business or part of it is bought or taken over by that company to make
• sure your insurance policy can continue to be serviced or as part of preliminary discussions with that company about a possible sale or takeover.

The information you share with us may be transferred by us or any of the types of firms or organisations we have noted above, to other countries in order for processing to take place, including locations outside of the UK and the European Union. We will only do so if there are adequate levels of protection in place as required by applicable data protection laws.

Accessing Our Website and Cookies

When you visit our website we may collect information from you, such as your email address, IP address and other online identifiers. This helps us to track unique visits and monitor patterns of customer website traffic, such as who visits and why they visit. We use third parties to collate IP addresses to help us understand our internet traffic data and data regarding your browser type and computer. We may also use web usage information to create statistical data regarding the use of our website. We may then use or disclose that statistical data to others for marketing and strategic development purposes, but no individuals will be identified in such statistical data.

We may use cookies and/or pixel tags on some pages of our website. A cookie is a small text file sent to your computer. A pixel tag is an invisible tag placed on certain pages of our website, but not on your computer. Pixel tags usually work together with cookies to help us to give you a more tailored service. We also use cookies and pixel tags in our email communication to personalise the email and track whether the email has been opened and whether the recipient has used any website links contained in the email communication. This allows us to monitor and improve our email communications and website. Useful information about cookies, including how to remove them, can be found at http://allaboutcookies.org.

Internet browsers normally accept cookies by default, although it is possible to set a browser to reject cookies. We will ask your permission before using any cookie that is not essential to the email or the use of the website. However, refusing to accept cookies may restrict your use of our website and/or delay or affect the way in which our website operates. You can find more information on cookies when you visit our website.

The open nature of the internet is such that data may flow over networks without security measures and may be accessed and used by people other than those for whom the data is intended. While this is outside of our control, we do take the protection of your information very seriously and aim to apply appropriate levels of security at all times. 

Your Rights

We will only store your data for as long as is necessary to comply with the requirements of your insurance contract(s) and any legal obligations or lawful processing conditions that may exist as a result. You have a number of rights concerning the personal information we use, which you may ask us to observe. In some cases, even when you make a request concerning your personal information, we may not be required or be able to carry out your request, as this may result in us not being able to fulfil our legal and regulatory obligations under the lawful processing conditions under which we hold your data, or because there is a minimum statutory period of time for which we have to keep your information. If this is the case, we will let you know our reasons.

You can ask us to:

• Provide a copy of your personal information,
• Correct or delete unnecessary or inaccurate personal information,
• Restrict or object to the use of your personal information at any time,
• Object to any automated decision, including profiling which may have been used by insurers when
• underwriting your quotation. Where an automated decision has been made we will advise you of this and of your rights,
• The right to be informed about our data processing activities, including through Privacy Notices such as this,
• Provide your personal data in a structured, commonly used and machine-readable format and to have your personal data transferred to another controller. This right only applies where our processing of your personal data is automated and the processing took place initially with your consent or for the performance of a contract with you,
• Where we rely on your consent to use your personal information, you can withdraw that consent at any time. Where your consent is withdrawn, your previous consent will remain valid in respect of our use of your information prior to the date you withdrew it, or if any marketing material has been sent prior to you advising that you do not want us to contact you again.

If you have any questions or concerns about this Privacy Notice or your data protection rights please contact us using our details set out at the beginning of this Privacy Notice. If you are dissatisfied with how we deal with your complaint, you may contact the Information Commissioner’s Office (ICO) at Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF, by telephoning 0303 123 1113, or via their website www.ico.org.uk.

How We Contact You About Other Products and Services - Marketing

We may from time to time process your personal data to let you know about similar products and services that may be of interest to you. This is because we value your custom and we pride ourselves in offering professional and tailored advice which meets your specific insurance needs. This includes keeping you informed on the latest insurance and industry information and details of any offers or promotions relating to the insurance services we provide to you. Our lawful basis for processing your personal data in this way is to pursue the legitimate interests of our business, unless we have otherwise obtained your consent to do so. We may contact you by post, telephone or e-mail. You will be given the option to stop receiving any communications from us in this regard at any time however please note that this will not affect us contacting you about the servicing of products that you have specifically requested from us.

Withdrawal of Consent

Where you have provided your specific consent to the use of personal data, you may withdraw that consent by contacting us at 38 Miller Road, Ayr, KA7 2AY or by telephoning 01292 611028.