We use a layered approach to delivering information about data protection through:
Prices, and details, of products and services (and any offers) posted online are subject to change without notice. All products and services are subject to availability and we give no guarantee in this regard. The provision of details of products and services on this website are not, and should not be construed as, an offer to sell or buy such products or services by the relevant company. The company advertising the products or services concerned may accept or reject your offer at its sole discretion.
We are required by data protection laws to have a legitimate reason to process and use your personal data. The main purpose for processing your personal data is for the provision and performance of an insurance contract e.g. reviewing your application, setting you up as a policyholder, administration and maintenance of your insurance policy or in order to process a valid claim.
With regards to ‘Special Category’ data i.e. sensitive information, we must obtain your consent at the point of collecting your personal data (i.e. when you input your details online or when completing a form) in order to process the data unless an exemption for insurance purposes is applicable. In some circumstances, if we do not have your consent to process your data, it may impact our ability to issue you with insurance cover or to handle any claims.
We may also gather personal data for the following purposes:
If you are a consumer you have the right to a cooling off period in which you may cancel the contract. In the case of services, the period ends 7 working days after the order is placed unless, by agreement, the services actually begin before that date. In the case of products, the cooling off period ends 7 days after the product is received, this does not apply to products made to your specific requirements. To exercise this right you must inform us in writing. Please also consult the service/product specific terms and conditions for any variations to this policy. For financial services products this right to a cooling off period is 14 days or for life insurance products 30 days from the day the contract is made.
All personal data supplied to us is stored on secure servers and only accessed and used in line with our data protection policies and procedures. Your personal data will only be accessed by our employees or authorised third parties who require the information for their business purposes. In circumstances where it is necessary to share your personal data with a third party, there are contractual agreements in place to ensure the security and confidentiality of your personal data and the information will only be used for the specific purpose for which it has been provided to them.
We may also be required to allow authorised third parties, including service providers and suppliers, access to your personal data, for the purposes stated in section 2 of this notice. Any data sharing with third parties will be in compliance with applicable data protection laws.
It may be necessary for us to share your personal data with financial and regulatory organisations (e.g. the Financial Ombudsman Service, the Financial Conduct Authority, the Information Commissioner’s Office) or law enforcement agencies (including courts) in order to assist them with enquiries, investigations or proceedings and ensure our compliance with our regulatory and legal requirements. As a financial services company, we are required to have certain processes in place with regards to anti-bribery and corruption, money laundering and fraud. If any criminal offence is detected or suspected, we may share data with third parties (e.g. law enforcement agencies, fraud prevention agencies, anti-money laundering agencies) in order to prevent crime or aid investigations if crime is identified. We may also access this data as part of our ‘Know Your Client’ procedures to establish the parties we are dealing with and when assessing a claim payment in order to prevent criminal offences.
We would like to send you information about our products and services
We would also like to send you information about the products and services of other companies in our group which may be of interest to you.
If you have consented to receive marketing, you may opt out at a later date.
You have a right at any time to stop us from contacting you for marketing purposes or giving your information to other members of the Group.
If you no longer wish to be contacted for marketing purposes, please click here.
Our policy complies with the EU General Data Protection Regulation. The law requires us to tell you about your rights and our obligations with regards to the processing and control of your personal data, however not all of the following may be applicable in our business dealings:
There are some circumstances where we may be required to restrict your rights in order to safeguard the public or our own interests.
For further information regarding your rights, please visit the Information Commissioner’s Office’s website or click on the links provided above.
If you have any questions regarding privacy or how we use personal data, you may contact our Data Protection Officer:
Best Risk Management and Financial Service Ltd
Gemini Business Centre
136-140 Old Shoreham Road
Should you have any concerns regarding how we process your personal data, then you have the right to report your concern to the Information Commissioner’s Office. For more information, please visit their website.
Posted on: 2019-08-14 | 13:18:00
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