We only collect and store your Information where we have lawful grounds and legitimate reasons to do so.
We collect, use and store your personal information in order to fulfill requests for quotes, products and services as part of our insurance broking, claims handling and risk management business.
It may also be used to verify your identity, to process payments and to enable us to carry out sanction, anti-money laundering and other financial crime checks, as required. If you pay by instalments, your information may also be used to arrange credit.
The use of your data is essential to enable you to enter into an insurance contract and for it to operate, such as in the event of a claim. If you do not provide the information required, we are unlikely to be able to provide accurate advice or arrange your insurances or provide certain other services to you.
We may monitor emails and other communications with you and when you contact us, we will keep a record of that correspondence and any information provided to us in that or subsequent communications.
Under data protection laws, for each purpose we must be able to rely on a legal ground to justify why we are using your (non-sensitive) personal information. The legal grounds that we may rely on are:
| For processing (non sensitive) personal Information | |
| Legal ground | Details |
| Performance of our contract with you | Processing is necessary for the performance of a contract to which you are party or in order to take steps at your request prior to entering into a contract |
| Compliance with a legal obligation | Processing is necessary for compliance with a legal obligation to which we are subject |
| For our legitimate interests where these do not cause you undue harm | Processing is necessary for the purposes of the legitimate interests pursued by us or by a third party, except where such interests are overridden by your interests or fundamental rights and freedoms which require protection of personal information. Our main legitimate interests for using your personal information are:
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When we use your sensitive personal information (for example information about your religious beliefs, criminal convictions, political opinions or health) we must be able to rely on an additional legal ground. The additional legal grounds that we may rely on in these instances are:
| For processing sensitive personal Information | |
| Legal ground | Details |
| Substantial public Interest | Processing is necessary for insurance purposes. |
| Your explicit consent | You have given your explicit consent to the processing of your sensitive personal information for one or more specified purposes.
You may withdraw your consent at any time by contacting us. If you do so, you may not be able to receive the benefit of some of our services where in order to provide them, we rely on your explicit consent to process your sensitive personal information. |
| For legal claims | Processing is necessary for the establishment, exercise or defence of legal claims or whenever courts are acting in their judicial capacity |
| You have made this information public | You have made your sensitive personal information manifestly public. |