Europa Group Privacy Policy

Transcription

1 Eurpa Grup Privacy Plicy The privacy and security f yur persnal infrmatin is very imprtant t us (Eurpa Grup). This plicy explains hw we cllect and use yur persnal infrmatin. Please read it carefully. This Privacy Plicy frms part f the Terms and Cnditins f the website. If yu have any questins abut the use f yur persnal infrmatin, please cntact ur Data Prtectin Officer at: Eurpa Huse, Midland Way, Thrnbury, Bristl, BS35 2JX r by ing cmpliance@eurpa-grup.c.uk What infrmatin d we cllect? We ll ask yu t share yur persnal infrmatin with us s we can prvide ur services t yu and t manage these services. The infrmatin we cllect may include fr example: - General infrmatin abut yu including yur name, address, date f birth and cntact details - What and wh yu want t insure, such as vehicle and named rider details - Yur claims histry - Yur credit histry - Bank accunt and debit/credit card details - Sensitive persnal infrmatin such as details regarding yur health, r any cnvictins - Details abut yur use f ur website such as yur Internet Prtcl (IP) address (a number which identifies yur device) Where d we cllect infrmatin frm? - Yu r smene cnnected t yu as part f an insurance qutatin - Price cmparisn websites if yu ve received a qute fr a plicy with us. This ntice will apply in additin t any detail given t yu by the price cmparisn website abut the use f yur persnal infrmatin. - Third party databases made available t the insurance industry If yu prvide us with infrmatin abut anther persn, yu cnfirm that they have agreed fr yu t act fr them, t cnsent t the prcessing f their persnal infrmatin and that yu have infrmed them f ur identity and the purpses fr which their persnal infrmatin will be prcessed.

2 Why d we cllect this infrmatin and hw will we use it? We may cllect and use yur persnal infrmatin: a) T prvide yu services relating t an insurance qutatin and/r insurance plicy such as: Assessing yur insurance applicatin and arranging yur mtr plicy Managing yur mtr plicy including issuing plicy dcuments The cllectin and use f infrmatin such as yur name, address, what/wh yu wuld like t insure and any claims r mtring cnvictin details is necessary t prvide yu with an insurance qutatin. Withut this infrmatin we will be unable t assess yur applicatin. This assessment invlves an autmated decisin t determine whether we can prvide a qutatin frm ur panel f insurers. These decisins invlve the use f pricing and acceptability tls and are dependent n the infrmatin that yu prvide us. If yu bject t an autmated decisin then we ll be unable t prvide yu with an insurance qutatin r renewal. b) Where ur reasns are justifiable including: Keeping recrds abut yu and ur crrespndence with yu s we can manage ur relatinship with yu as well as satisfy any recrd-keeping legal and regulatry bligatins we may have Fraud preventin and detectin we may at any time pass yur persnal infrmatin t internal and external data validatin and fraud preventin systems. This may include a claims verificatin system. Yur details may als be checked against recrds held by external fraud preventin agencies. If yu give us false r inaccurate infrmatin r we suspect r detect fraud, we will recrd this and share it with ther insurers and fraud preventin agencies. Law enfrcement agencies may access and use this infrmatin t help prevent and detect crime. We and ther rganisatins may als use this infrmatin t prevent fraud and mney laundering fr example when: Checking details n applicatins fr credit r credit related facilities Managing credit and ther credit related facilities Recvering debt Checking details n prpsals and claims fr all types f insurance Checking details f jb applicants and emplyees We and ther rganisatins may ffer access t this infrmatin t agencies in ther cuntries t help prevent glbal fraud. Sharing yur persnal infrmatin with the Mtr Insurance Database (MID) managed by the Mtr Insurers Bureau which may be used t establish whether a driver is insured t drive a vehicle and/r fr preventing r detecting crime. If yu re invlved in an accident in the UK r abrad the MID may be searched t btain relevant plicy infrmatin. Carrying ut prcesses such as statistical analysis t help imprve the prducts and services we ffer. Recrding and mnitring calls fr training purpses t imprve the quality f ur service and t help us deal with queries r cmplaints frm yu.

3 Hw we cmmunicate with yu abut ur similar prducts and services We ll cntact yu t cmmunicate ur prducts and services t yu which we believe may be f interest t yu. We may cmmunicate with yu by , telephne, pst r SMS unless yu ve tld us yu dn t want us t. Where yu n lnger hld a plicy with us r we ve prvided yu with a qute in the past, we ll keep yu infrmed abut ur prducts and services fr a perid f up t three years. We may als cntact yu if yu have nt cmpleted an nline qutatin t see if we can ffer t help with this. Yu can ask us t stp cntacting yu abut ur prducts and services by: pst: Custmer Services Department, AA Mtrcycle Insurance, Eurpa Huse, Midland Way, Thrnbury, Bristl, BS35 2JX phne: Sharing yur infrmatin with thers We will share yur persnal infrmatin with: - Our panel f insurers (fr the purpses f an insurance qutatin and - The insurer named n yur Statement f Fact We may als share yur persnal infrmatin with: - Yur spuse r civil partner if they cntact us n yur behalf, prvided they are included as a named driver n yur insurance plicy. Hwever, we will nly accept changes f address and instructins t cancel yur plicy frm yu. If at any time yu wuld prefer fr us t nly deal with yu, please let us knw. - Organisatins that have a specific legal rle such as statutry bdies, regulatry authrities and ther authrised bdies - Organisatins where we have a duty t r are permitted t disclse yur persnal infrmatin by law, such as a valid request frm the plice r ther rganisatin in the interest f preventing and detecting crime - Fraud preventin agencies and peratrs f registers available t the insurance industry t check infrmatin and prevent fraud - Credit reference agencies t check yur credit histry. This check will be recrded n yur credit reference file withut affecting yur ability t apply fr credit r ther financial prducts - Third parties we use t recver mney yu may we us - Anther cmpany if ur business r part f it is bught r taken ver by that cmpany t make sure yur mtr plicy can cntinue t be serviced Hw lng will we keep yur persnal infrmatin? We ll nly keep yur persnal infrmatin fr as lng as is reasnably necessary fr the purpses utlined in this privacy ntice and t fulfil ur legal and regulatry bligatins. Fr further infrmatin please cntact the Data Prtectin Officer at the address shwn at the start f this Privacy Plicy.

4 Use and strage f yur persnal infrmatin verseas Yur persnal infrmatin may als be transferred utside the Eurpean Ecnmic Area (EEA). Measures will be put in place t prtect yur data and these safeguards shall be n less stringent than the requirements f English law. Yur rights Yu have certain rights including: - the right t ask fr access t and a cpy f yur persnal infrmatin - the right t ask us t crrect any inaccurate persnal infrmatin - the right t request the restrictin f prcessing, r bject t the use f, yur persnal infrmatin - where yu ve previusly given us yur permissin t use yur persnal infrmatin, the right t withdraw that permissin - the right t bject t an autmated decisin - the right t cmplain t the Infrmatin Cmmissiner s Office at any time if yu bject t the way we use yur persnal infrmatin. Fr mre infrmatin please visit In sme cases when yu make a request regarding yur persnal infrmatin, we may nt be required r may nt be able t cmply as this may result in us nt being able t fulfil ur legal, regulatry r cntractual bligatins r there s a minimum statutry perid that we must keep yur persnal infrmatin. We ll let yu knw when this is the case. Legal Ntice By using this website, yu agree t its Terms and Cnditins. The website is hsted, administered and perated by Eurpa Grup Limited which is authrised and regulated by the Financial Cnduct Authrity (FCA). Our FCA register number is Registered ffice: Eurpa Huse, Midland Way, Thrnbury, Bristl BS35 2JX. Registered in England with cmpany number Law The applicable law gverning the cntents and use f this site and any disputes arising frm use f this site is English law and disputes will be subject t the exclusive jurisdictin f the English curts. If any f the fllwing prvisins are unlawful, vid r fr any purpse unenfrceable then the particular prvisin will be deemed severable and will nt affect the validity and enfrceability f the remaining prvisins. Access t the Website Unless therwise specified, the infrmatin n this website is directed slely at thse wh access the website frm the United Kingdm. We are nt prviding any legal, accunting r ther prfessinal advice r pinin n specific facts r matters. We shall nt be liable fr any indirect r cnsequential damages. Hwever, nthing shall exclude r restrict liability fr death r persnal injury resulting frm ur negligence. Als, nthing shall exclude r restrict ur bligatins under the Financial Services and Markets Act 2000 r any ther current r future Financial Services legislatin.

5 Alteratins We reserve the right, at any time and withut ntice, t revise the cntents f this website including the Terms and Cnditins. Any changes t the Terms and Cnditins will be psted n this website and by cntinuing t use this website fllwing any such change, yu will signify that yu agree t be bund by the revised cnditins. Hwever, we wuld nt amend the data prtectin terms in a way that wuld disadvantage yu. Intellectual Prperty Rights All cpyright, trade and service marks, design rights, database rights and ther intellectual prperty rights and gdwill in r relating t the cntents f the website belng either t us r t ur third party licensrs. Permissin is granted t cpy electrnically and t print in hardcpy prtins f this website, slely fr the purpse f using the site t seek a qutatin r buy prducts and services. Any ther use f materials n this website (including reprductin fr purpses ther than thse nted abve, and alteratin, mdificatin, distributin r republicatin) r framing r linking t this website (r any part f) withut prir written permissin is strictly prhibited. Links In this website certain links, including hypertext links, will lead yu t websites that are nt under ur cntrl ( Third Party Sites ). These links are prvided fr yur infrmatin and cnvenience and the inclusin f any link des nt imply endrsement by us in any way f the Third Party Site. We are nt respnsible fr the cntent f any Third Party Sites r fr the legal cnsequences f yu entering int any cntracts with third parties as a result.