- Our Collection of your Personal Information
The information we collect may include your personal information, such as your name, contact information, date of birth, email and/or IP addresses, product and service selections and any other personal data required to provide the products and services you have requested. We collect personal information from you at different points, including but not limited to the following:
- when we correspond with you as a customer or prospective customer;
- when you visit our website;
- when you take out an insurance policy via us; and
- when you contact us for help
- Our Use of your Personal Information
Our Company may use information that we collect about you to:
- deliver the products and services that you have requested;
- manage your customer relationship and provide you with customer support;
- perform research and analysis about your use of, or interest in, our products or services;
- communicate with you by e-mail, postal mail, telephone and/or mobile devices about products or services that you may hold with us, may be of interest to you either from us, or other third parties;
- verify your eligibility to credit facilities; and
- transfer personal information to third parties for any legally permissible purpose in our sole discretion.
- enforce our terms and conditions
We do not sell personal information to third parties.
- Our Disclosure of your Personal Information to Third Parties
We may share your personal information with third parties only in the ways that are described in this Privacy Statement:
- we may provide your information to our partner insurers and service providers who perform functions on your/our behalf;
- we may provide your information to our service providers who perform functions on our behalf. Usually our service providers sign a standard confidentiality agreement;
- we may share your data with any parent company, subsidiaries, joint ventures, other entities under a common control or third party acquirers. We would direct these other entities will honor this Privacy Statement;
- we may allow a potential acquirer or merger partner to review our databases, although we would restrict their use and disclosure of this data during the diligence phase and direct them to treat the data confidentially;
- as required by law enforcement, government officials, or other third parties pursuant to a court order, or other legal process or requirement applicable to our Company; or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our agreements or Company policies; and
- other third parties with your consent or direction to do so.
Please note that these third parties may be in other countries where the laws on processing personal information may be less stringent than in your country.
- Our Security Measures to Protect your Personal Information
Our systems have security measures in place to help protect information under our control from the risk of accidental or unlawful destruction or accidental loss, alteration or unauthorized disclosure or access.
[We may create links to other web sites. We will make a reasonable effort to link only to sites that meet similar standards for maintaining each individual’s right to privacy. However, many other sites that are not associated with or authorisedby our Company may have links leading to our site. Our Company cannot control these links and we are not responsible for any content appearing on these sites. Since our website does not control the privacy policies of third parties, you are subject to the privacy practices of that third party. We encourage you to ask questions before you disclose any personal information to others.
- Our Retention of your Personal Information
We will retain any personal information only for as long as is necessary to fulfill the business purpose it was collected, for example to quote or renew requested insurance policies. We will also.
retain and use your personal information for as long as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
7. International Transfers of your Personal Information
Information collected from you may, on occasion be stored and processed outside the UK in any other country in which our Company or agents maintain facilities, and by accessing our sites and using our services, you consent to any such transfer of information outside of your country.
8. Your Access to and Updating of your Personal Information
Reasonable access to your personal information may be provided at no cost upon request made to our Company at the contact information provided below. If access cannot be provided within that time frame, our Company will provide the requesting party a date when the information will be provided. If for some reason access is denied, we will provide an explanation as to why access has been denied.
10. Changes to our Privacy Statement
This Privacy Notice is subject to change. It was last updated on 11/05/2018. If we make changes to this Privacy Notice, we will update the date it was last changed.
12. Contacting Us
If you have any questions about this Privacy Statement, our practices or have any concerns please contact our Privacy Officer Karen Adams at:
Address 11 Drake Walk, Brigantine Place, Cardiff, CF10 4AN
Telephone 029 2047 0375
14.1 We will keep your information confidential. However, in the normal course of business and in acting on your behalf we may disclose your information to our employees, agents, outsourcers, premium finance providers, Affiliates or sub-contractors or to insurers and their agents. We may also have to disclose your information pursuant to legal or regulatory requirements. Any disclosure to any other third party will only be made with your prior written consent.
14.2. We will be entitled to use information in relation to your insurance, on an anonymised basis, when dealing with insurers on other risks on behalf of policyholders other than yourself.
14.3 We may: 14.3.1. provide databases to insurers which may include
Confidential Information relating to your insurance; and
include, on an anonymous basis, information relating to your insurance programme in benchmarking, modelling and other analytics offerings.
14.4 This confidentiality commitment to you does not apply to information lawfully in our possession or in the public domain.
15. protection and security
15.1 The parties both warrant that they will observe the provisions of the Data Protection Act 1998 and any other applicable data protection laws, in relation to these Terms of Business.
15.2 We may also disclose your personal data:
15.2.1. to any law enforcement agency, court, regulator, government authority or other third party
15.2.2. where we believe this is necessary to comply with a legal or regulatory obligation; and
to a third party that purchases, or to which we transfer, part or all of our assets and/or business.
15.3 Depending on the circumstances, the disclosure of personal data (including sensitive personal data) detailed in this clause may involve a transfer of data outside of the European Economic Area.
15.4. Insurers and premium finance providers may carry out enquiries for credit referencing and fraud prevention purposes and in doing so may pass information, including personal data, to third parties and/or relevant agencies. You can ask insurers for more information about this. A record of the insurer’s or premium finance provider’s enquiry may be viewed by other companies if you apply for their services. These enquiries may include electoral roll and credit information. Insurers may also pass your personal data to re-insurers and/or loss adjusters.
15.5. By continuing to receive services from us you consent to the personal data you provide to us being used in accordance with this clause and confirm that you have obtained the consent of any data subjects whose personal data you provide to us. Any person disclosing personal data to us must do so in compliance with all applicable data protection laws.
15.6. We may from time-to-time, provide you with marketing information on other products we supply and/or pass your contact details to other suppliers of products or services of whom we approve. If you do not wish your details to be used for the purposes in this clause, please notify your usual contact or you can write to the Data Protection Officer at Fiona Adams, Severn Bay Corporate Solutions Ltd, 11 Drake Walk, Brigantine Place, Cardiff, CF10 4AN.
16. Termination of our authority to act on your behalf
16.1. You or we may terminate our authority to act on your behalf by providing at least 14 days notice in writing (or such other period we agree). Termination is without prejudice to any transactions already initiated by you, which will be completed according to these Terms of Business unless we agree otherwise in writing.
16.2. You will remain liable to pay for any transactions or adjustments effective prior to termination and we shall be entitled to retain any and all commission and/or fees payable in relation to insurance cover placed by us prior to the date of written termination of our authority to act on your behalf.
17.1. If any provision of these Terms of Business is found to be invalid or unenforceable in whole or in part, the validity of the other provisions of these Terms of Business and the remainder of the provision in question will not be affected.
18.1. We are entitled to assign these Terms of Business to any other company within the group of companies of which we are part. You are entitled to assign these Terms of Business with our prior written consent, not to be unreasonably withheld.
18.2. We are entitled to transfer client monies to an identical bank account held in the name of any other company within the group of companies of which we are a part but then only for so long as such company remains a member of such group
19. Law and jurisdiction
19.1. These Terms of Business which form our agreement with you shall be governed by and construed in accordance with the laws of England and the exclusive jurisdiction of the English courts unless we agree with you otherwise.
20. Rights of Third Parties
20.1. Unless otherwise agreed between us in writing no provision of this Terms of Business is enforceable under the Contracts (Rights of Third parties) Act 1999 by any person other than you or us.
21. Bribery and corruption
21.1. We have no tolerance for bribery and corruption and this policy extends throughout the company for all of its dealings and transactions in all countries in which we operate. Our anti bribery policy is updated in line with the changes in law, changes in our business and our reputational demands. All employees are required to comply with this policy.
21.2. Both parties agree to comply fully with the requirements of the Bribery Act 2010, and will not engage in any of the following activity:
promising or giving of an advantage, financial or otherwise, to another person to bring about an improper performance or to reward such improper performance
requesting, agreeing to receive or accepting of an advantage, financial or otherwise to act improperly
bribing a foreign public official to do or reward them for doing, something improper.
21.3. Additionally, where applicable, a firm will prevent bribery being committed on its behalf by its employees and third parties.
22.1. Both parties shall pay due regard to, and co-operate in respect of the observance of, any applicable international economic, financial or trade sanctions legislation.
23.1. While we will always endeavour to provide you with a high level of customer service if you feel dissatisfied with the service you have received you should, in the first instance, contact the office you usually deal with to register your complaint.
Or, alternatively you may refer the matter to –
post: Miss Fiona Adams, Severn Bay Corporate Solutions Ltd 11 Drake Walk, Brigantine Place, Cardiff, CF10 4AN 029 2047 0375
Tel:029 2047 0375
23.2. We need you to help us by summarising the problem, policies affected and the resolution you expect. Please ensure whenever possible that you quote your customer reference number together with the identity of our member of staff and office address.
23.3. We will endeavour to rectify the problem immediately but if we are unable to do so your complaint will be dealt with in accordance with our formal Complaints Procedure, a copy of which will be provided to you.`
23.4. If you remain dissatisfied you may be an eligible complainant within the rules of the Financial Ombudsman Service (FOS). Their jurisdiction broadly covers those that employ less than 10 persons and whose turnover or annual balance sheet is less than 2 million Euros, and charities or trusts whose turnover or net assets respectively are less than £1m. Should you remain dissatisfied with our final decision or more than eight weeks have passed since receipt of your complaint then if you wish, you may contact the FOS, details of which can be found at www.financial-ombudsman.org.uk. Full details will be supplied in our Complaints Procedure.
24.1 We are covered by the Financial Services Compensation Scheme (FSCS) and you may be entitled to compensation from the FSCS if we cannot meet our obligations. This does not extend to consumer credit lending i.e. credit broking/lending. Insurance advising and arranging is covered for 90% of the claim with no upper limit, although compulsory insurance is protected in full. Further details regarding the FSCS can be obtained from its website www.fscs.org.uk. Full details and further information on the scheme are available at www.fscs.org.uk.
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