HOW WE PROTECT YOUR PERSONAL INFORMATION
PLEASE READ THIS CAREFULLY
1. What Data do we Collect and where do we get it from?
For the purposes set out in this notice, the Information Commissioner (ICO) requires us to advise you that, information, including personal information detailed below relating to you or anyone else to be covered by an insurance policy (“Personal Data and Special Categories of Data“) will be collected and processed by Palladium Underwriting Ltd and/or on its behalf by its third party service providers. This data will be provided by you, or any other person you may appoint to provide us with information. You will either be completing application forms or answering questions we ask you, in order to provide the required information. We may also obtain information from other sources that is readily available in the public domain such as the Internet of Things (IoT), Social Media, Press etc.
|This is information we may gather from you that will directly or indirectly identify you as individual, and may also provide information about your cultural or social identity. This type of data must be processed strictly in accordance with our Basis at Law stated in the table below. This data will include but may not be limited to:-
Your title, name, postal address, risk address, civil status, gender, current and or previous occupation, date of birth, contact details, registration number, mental health conditions, bank details, credit / debit card details, credit searches, National Insurance Number, Next of Kin information, children’s data where the child is under 16 (only for travel insurance policies)
|Special Categories of Data…|
|This is information we may gather from you that might reveal your racial or ethnic origin, political opinions, religious or philosophical beliefs, your health, sex life or sexual orientation. This data will be processed strictly in accordance with the Basis at Law stated in the table below. This data will include but may not be limited to:-
Your title, gender, race, ethnic origin, political opinions, religious beliefs, physical or medical health conditions, driving licence origin, UK residency period, children’s data where the child is under 16 (only for travel insurance policies), criminal history. Data for criminal convictions and offences will only be collected as permitted by UK Law.
Each time you visit our website, we may automatically collect Technical information including IP address.
The controller of this Personal Data is Palladium Underwriting Ltd “we” and “us“). of Palladium House, 10F Buntsford Park Road, Bromsgrove, B60 3DX. If you have any query, please contact Kath Mahony – firstname.lastname@example.org. We process your Personal Data in accordance with this Privacy Notice.
2. How and why do we Process Your Personal Data?
The following tables detail:
- why we collect your data and the consequences of not providing it
- our legal basis as required by the Regulations
- who we share your data with and why
- how long we will retain your data
|Legal basis for processing
|Why we collect your data||We obtain, collect and process your Personal Data and Special Categories of Data (which includes sharing your data with others) to enable us to quote for your insurance needs, place you on cover, make any payment arrangements requested, make any alterations to your policy that you may request during the policy term, and in the unfortunate event that a claim occurs we will need to share your information to help you make your claim. We may also have regulatory and / or legal obligations for sharing data with others, but we will only share it for the purposes stated, or in a way you would reasonably expect us to, unless we inform you otherwise. If you do not provide the data requested it may not be possible to obtain a quote or provide you with a policy.
|Our legal basis for processing your data||In order to arrange your insurance we will be using one or more of the following legal bases:
|Who we share your data with and the reason for processing||We are a Data Controller and in order to process your requests we may be sharing your data with one or more other Data Controllers. The Controllers we may share with and our reasons for sharing that information are listed but not limited to the following:
|How long we retain your data||
We will retain your Personal Data for as long as your insurance policy is valid with us and for 20 years thereafter.
3. Where do we hold your Data?
At all times we will endeavour to hold your Data on servers within the UK, or within the European Economic Area (EEA). Where we share your information with other Data Controllers they must also agree to hold your Data within the EEA. However, in the unlikely event your data is to be held in any other geographical area we ensure that:
- Data Controllers do not do so without our prior written authority and
- An appropriate transfer agreement is put in place to protect your personal data
4. Your Acknowledgment of this Notice and Your Rights
Under General Data Protection Regulation you have rights and these are listed below.
|Right to Be Informed||
The General Data Protection Regulation sets out the information we must provide to you about your Data. All of the information we are required to give you is contained within this Privacy Notice. If you do not understand any part of this, you should contact us immediately and we will be happy to explain it to you.
|Right of Access||You have the right to access and obtain a copy of the Personal Data, and any supplementary information that we hold about you to enable you to verify the lawfulness of the processing carried out. This will be provided free of charge, unless your request is unfounded, excessive or repetitive, and the information will be sent to you within 30 days of your request being received. If we refuse your request, you have the right to complain to the ICO.
|Right to Rectification||You have the right to request that we correct any inaccuracies in the Personal Data we hold about you. This will be corrected within one month. If we are unable to correct the inaccuracy you have the right to complain to the ICO.
|Right to Erasure||You have the right to request that we erase your Personal Data. For example, you may exercise this right in the following circumstances:
We refuse the right to delete your information when it falls within our data retention period stated above, as this data may be required to exercise or defend litigation in the event of a claim whether covered or not by the insurance policy. If you do not agree with this you have the right to complain to the ICO.
|Right to Restrict Processing||You have the right to restrict our processing of your Personal Data where any of the following circumstances apply, although we will still be allowed to store it:
Where you exercise your right to restrict our processing of your Personal Data, we will only continue to process it in accordance with the requirements of this policy or our legal obligations.
|Right to Data Portability||You have a right to receive and transfer the Personal Data that we hold about you. This only applies to:
Where you make such a request, this will be provided in a structured, commonly used, machine readable format such as a CSV file or PDF. This will be completed within one month of us receiving your request.
|Right to Object to Processing||In certain circumstances, you have a right to object to our processing of your Personal Data
We will still be able to process your Personal Data where
|Right to Object to automated decision making including profiling||You have a right not to be subjected to decisions being made solely by automated means without any human involvement. This might be the case where quotations are obtained online. We will still be able to carry out this type of decision-making where:
We will only process data in the way you would expect it to be used, and you will be entitled to have a person from our firm to review the decision so that you can query it and set out your point of view and circumstances to us.
|Right to Withdraw Consent||Where the legal basis of consent has been used (and in our business we only use this for parental consent when collecting children’s data in connection with travel insurance), you have the right to withdraw that consent at any time. Where you exercise your right to withdraw parental consent of the processing of any children’s data, any data processed prior to the withdrawal of consent will remain valid.
If you would like to exercise any of your rights detailed above, please contact Kath Mahony – email@example.com
You can change your marketing preferences at any time by completing the opt out form (click here).
You may raise any concerns about Palladium Underwriting Ltd processing of your Personal Data with the Information Commissioner Office on https://ico.org.uk/.
5. Changes to this Notice
We may amend this notice on occasion. Any changes to this notice will be effective immediately. If at any time we decide to use your Personal Data in a manner significantly different from that stated in this notice, or otherwise disclosed to you at the time it was collected, we will notify your Broker and you will have a choice as to whether or not we use your information in the new manner. If you have questions or concerns about this notice, please contact Palladium Underwriting Ltd.
6. Information about or provided by another person
Where your information for your policy has been provided to us by another person, we will send a copy of this to the person arranging the insurance with instructions to pass this to you within one month. Where you have taken out a policy and provided us with information about another person, eg: an additional driver to your motor policy, an additional person to your travel insurance particularly where health conditions have been disclosed, it is unlikely we will have their address, and therefore you must provide them with a copy of this Privacy Notice so that they will know how their data is being used. Additional copies can be supplied on request.
Want to know more?
For more information about Palladium Underwriting Limited and the services that we offer, please call us on 01527 559012 or…
Palladium Underwriting Limited
10F Buntsford Park Road
Worcestershire B60 3DX
t. 01527 559012
f. 01527 559234
Authorised and Regulated by the
Financial Conduct Authority
Financial Services Register number 310955
We guarantee to respond to your quotation request within 3 hours of receipt. Rarely we may experience technical problems with our website and/or email. In the extremely unlikely event that you haven’t received a response in 3 hours please contact us by telephone on 01527 559012.