Privacy Notice

The following Client Fair Processing Notice explains how we process our clients’ data.

Client Fair Processing Notice

INTRODUCTION

Bridge Insurance Brokers Limited are involved in insurance broking, risk management and credit broking activities.

Bridge Insurance Brokers Limited Company number 996284 – registered office Cobac House, 14-16 Charlotte Street, Manchester M1 4FL.

Bridge Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority for insurance mediation/distribution and credit broking purposes.

This notice applies to our collection and use of personal data i.e. any information relating to an identified or identifiable natural person. For further details regarding the nature of personal data, please visit the Information Commissioner’s Office website at www.ico.org.uk/

We ask that you make any person providing personal data aware of this notice – for example employees or family members.
Changes to our fair processing notice.

Any changes we make to our fair processing notice will be posted on this page and, where appropriate notified to you by e-mail. Please check back frequently for any updates or changes.

LAWFUL BASIS OF PROCESSING

We set out here our lawful bases of processing.

When you instruct us to obtain insurance quotations and/or cover for you (whether at inception or renewal), certain personal information may be required from you.
We ask you for information to assess your insurance needs. This information is then used to provide a quotation or obtain renewal terms, Without this information it is difficult or impossible to provide an accurate quotation.

Where applicable your personal data will also be provided to a premium finance provider (either directly by us or by another party) so as to enable premium payment in connection with insurance we arrange for you.

The lawful basis of processing for the above is effecting a contract.

Where we receive and deal with special categories of data our lawful basis of processing is that of substantial public interest.

For provision of updates on policy terms, marketing of other products and services that may be of interest to you and for use of personal data applicable to you our lawful basis is that of legitimate interest.

Personal data is also used for our legal obligation in complying with the following
Terrorist Asset-Freezing etc. Act 2010
Counter Terrorism Act 2008
Anti-Terrorism, Crime and Security Act 2001
and any amending or subsequent legislation.

We also analyse activity of visitors to this site and as part of this we use cookies and other tracking technologies. Refer to our COOKIES section below.

USE OF PERSONAL DATA

In addition to the use of data described above we will use information to

• Establish and maintain communications with you
• Process transactions
• Facilitate premium payment
• Handle any claims that may arise
• Where necessary to comply with legal, security, processing and regulatory requirements
• Protecting against fraud, suspicious and illegal activities To help prevent financial crime, your details may be submitted by insurers to fraud prevention agencies and other organisations where your records may be searched, including the Claims and Underwriting Exchange (CUE) and the Motor Insurers Anti-Fraud and Theft Register (MIAFTR).
• Keep you updated as regards insurances arranged and inform you about products and services we believe will be of interest to you

WHO DO WE SHARE DATA WITH ?

Data is shared in connection with arranging insurance, facilitating premium payment and handling any claims that may arise.

Data may be shared with the following

• Insurers. Reinsurers, intermediaries or other insurance brokers
• Premium finance providers
• Professional advisers and auditors
• Outsourced service providers
• Our regulators

Most of the data we collect about you will be used and stored in the UK. However, we may transfer your information to a destination outside of the United Kingdom/European Economic Area (“UK/EEA”). It may also be processed by staff operating outside of the UK/EEA who work for one of our broker partners. Such staff may be engaged in, amongst other things, the provision of information you have requested. We will only transfer your information where lawfully permitted and in compliance with applicable laws.

Third parties to whom we disclose any personal data are required by law and contractual undertakings to keep personal data confidential and secure and use and disclose such data only for purposes that a reasonable person would consider appropriate in the circumstances and in compliance with applicable legislation.

We do not sell or trade your information with anyone else and we never will.

CATEGORIES OF PERSONALLY IDENTIFIABLE INFORMATION

Data Protection legislation applies to any information relating to an identified or identifiable natural living person and includes the following examples

• Name
• Date of birth
• IP address
• Contact details including postal address, e-mail address and telephone number
• Bank account or credit/debit card details
• Details of the commission or alleged commission of an offence
• Medical and health data
• Any data mentioned above relating to a family member or employee or any natural person included within rating or coverage regarding an insurance policy

Information relating to a Limited Company/plc business or information about insurance arrangements (such as sum insured) is not classed as personally identifiable information but please refer to our statement later in this notice regarding confidentiality.

SECURITY

This site has security measures in place to protect against loss, misuse and alteration of the information under our control. We strive to protect your personal information; however any information you transmit is sent at your own risk. Once we have received the information we take the protection of this very seriously and we make use of the strongest encryption available to us (minimum 128 bit) in order to protect your information.

COOKIES

What are cookies?

Cookies are small text files which websites place on your computer when you visit a specific website. Cookies are used on websites to help visitors navigate around them effectively. They are also used to perform certain vital functions within a website. You can disable cookies through your internet browser -however this may impact on how websites work.

Cookies also provide information to website owners to analyse visitor behaviour patterns, for example, how many visitors view a particular page.

More information about cookies can be found at www.allaboutcookies.org

Our use of Cookies

We use analytic cookies to help us monitor website traffic and trends.

All information about how you use this website is in anonymous form and will not identify any individual.

The cookies also assist with downloading certain documents.

If you choose not to accept cookies from this website you can change the settings in your internet browser. Further information on this can be found below.

How to manage Cookies

Your internet browser allows you to manage cookies. You will be able to remove and disable any cookies through the settings in your internet browser. For more information about how to manage cookies visit www.allaboutcookies.org/manage-cookies/

Important note – this information applies only to this website and not to other websites to which this site links.

YOUR RIGHTS

Opting in and out of receiving emails from us

(a) Private individuals
At the point of submitting your personal details, we collect your email address to enable us to send you a further information such as insurer terms. Additionally this enables us to contact you if any further information or clarification is required.
(b) Business operations
At the point of providing information to us we collect your email address to enable us to send you a further information such as insurer terms. Additionally this enables us to contact you if any further information or clarification is required.
You may wish to unsubscribe from marketing communications (using the unsubscribe button within our email). Whilst you can opt out of marketing emails you cannot unsubscribe from those that relate to operation of your policy.

The right of correction

You have the right to request rectification of any personal data that may be obsolete, incomplete or incorrect. Please refer to our comment below regarding deletion of data.

Making a subject access request

A natural person is entitled to request from us the details of personal data we hold about them. Requests must be reasonable and we are obliged to provide information within one calendar month free of charge. We reserve the right to use reasonable means to verify the identity of any person making such a request.

We will deal with any reasonable access request within the legally permitted timeframe. There is no fee payable in connection with a reasonable request made.

To make a request please e-mail datasecurity@bridgeinsurance.co.uk

Data portability

Should you decide to effect cover elsewhere (where Bridge Insurance Brokers Limited has arranged insurance for you) we will, on request, provide data in a machine readable format.
This is applicable to cover arranged for private individuals, sole traders and small partnerships.

Right to deletion

As we are bound by legal and contractual requirements we are not permitted to delete any personal data we possess and this also applies to insurers who have
(a) offered terms
(b) where insurance has been arranged.

DATA RETENTION

Our retention of data is in accordance with our legal and contractual requirements.

DATA, WHICH IS NOT PERSONAL DATA

Notwithstanding that Data Protection legislation deals with personal data we treat all information provided to us as confidential. We will, where necessary disclose your information to our regulators, professional advisers and other parties such as premium finance providers but we will not sell your information or contact details to any other party.

YOUR RIGHT TO COMPLAIN

Should you have any concerns as to our use of personal data we would like to hear from you and will respond as soon as possible.

Please contact us on datasecurity@bridgeinsurance.co.uk

If we are unable to respond satisfactorily you have the right to complain to the data protection regulator being the

Information Commissioner’s Office (ICO)
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

You may wish to contact their helpline on 0303 1231113 or visit their website at
www.ico.org.uk

LINKS ON OUR SITE

Our site may, from time to time, contain links to and from third party websites. If you follow a link to any of these websites please note you have left our site and these websites should contain their own Fair Processing Notice/Privacy Statement. We do not accept any responsibility for the content of third party websites.

WHAT HAPPENS IF OUR BUSINESS IS SOLD/MERGED ?

We will transfer your data (including personal data) to a third party:

• In the event that we sell or buy any business or assets, in which case we will disclose data to the prospective buyer or merger company as applicable (at all times in accordance with data protection legislation)
• If Bridge Insurance Brokers Ltd or their assets are acquired by a third party, in which case data held about applicable clients will be one of the assets transferred to the purchaser.

In each case the lawful basis on which we process your data in these circumstances is our legitimate interest to ensure our business can be successfully continued by a purchaser. If you object to such use of your data the relevant buyer or merger company may not be able to provide services to you.