Privacy Policy

As an insurance intermediary and organisation who value our customer(s)we are acutely aware of the importance of maintaining privacy.

Keeping personal information secure and complying with all relevant data protection laws underlies all our internal business process.

We will be designated as a data controller for any personal information we obtain from you and your employees and prospective customers and as such, we will be responsible for complying with all relevant and future data protection laws.

This privacy policy describes what personal information we have collected during our relationship as well as any that we intend to collect from you in the future. It will also set out how we hold and process such information and, more importantly, the procedures and controls in place to identify how such information is used.

By agreeing to provide us with your personal information, you are acknowledging that we are at liberty to use that data as set out in this privacy policy.  But, in any event, you are able to opt-out of us using your data for any reason and may exercise various rights under data protection law, including the right to have us removing from our records all of the personal information that we hold about you.

We have a designated key contact identified at customer firms and these key contacts will also be providing personal information and data regarding their employees and customers etc.  Consequently, we would expect the key contacts to ensure that our privacy policy has been drawn to the attention of all and any such individuals and that they have obtained the appropriate permission to share your personal information with us.

To ensure that we keep up with changing legislation and appropriate guidelines it may be necessary for us to make changes amendments to this privacy policy. It is therefore recommended that you check our website periodically, to ensure that you are aware of this policy from time to time.

For the sake of good order our Privacy Policy is sub-divided into sections below to guide you in the specific areas that may interest you.

We do not knowingly collect data relating to children and so this policy does not relate to information on people less than 18 years of age. It is important that you read this privacy notice together with any other privacy notice or fair processing notice we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data. This privacy notice supplements the other notices and is not intended to override them.

 

What Personal Information do we collect?

Personal data, or personal information, is any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data). We may collect, use, store and transfer different kinds of personal data about you which we have grouped together follows:

Identity Data includes first name, last name, username or similar identifier, marital status, title, date of birth and gender.

Contact Data includes address, email address and telephone numbers.

Financial Data includes bank account and payment card details.

Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us.

Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website.

Profile Data includes your username and password, your interests, preferences, feedback and survey responses.

Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.

 

If you fail to provide personal data

Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you: we will notify you if this is the case at the time.

 

How do we collect your Personal Information?

We use different methods to collect data from and about you including through:

Direct Interactions

You may give us your identity, contact and financial data by filling in forms, or when speaking to our sales staff or when by corresponding with us by post, phone, email or otherwise.

This may include personal data you provide when you:

  • applying for membership;
  • when applying to subscribe to our service(s);
  • when seeking an insurance quotation from us;
  • when requesting we send marketing to you;
  • when subscribing to receive industry updates;
  • through entry via a competition, promotion or survey;
  • when giving us feedback.

Automated technologies or interactions

As you interact with our website, we may automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. We may also receive Technical Data about you if you visit other websites employing our cookies. Please see our cookie policy for further details.

Third parties or publicly available sources

We may receive personal data about you from various third parties and public sources as set out below:

Technical Data from the following parties:

  • analytics providers such as Google based outside the EU;
  • distribution lists provided from third parties which include your personal data where you have given consent;
  • search information providers such as Google based inside OR outside the EU.
  • Contact, Financial and Transaction Data from providers of technical, payment and delivery services, such as KeyIVR, based inside OR outside the EU.
  • Identity and Contact Data from publicly availably sources such as Companies House, the FCA register and other industry publications.

 

How we use your Personal Data

We will only use your personal data when the law allows us to.

Most commonly, we will use your personal data in the following circumstances:

  • where we need to perform the contract we are about to enter into or have entered into with you;
  • where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests;
  • where we need to comply with a legal or regulatory obligation.

Click here to find out more about the types of lawful basis that we will rely on to process your personal data.

Generally we do not rely on consent as a legal basis for processing your personal data other than in relation to sending third party direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us.

 

Purposes for which we process your Personal Information

We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so.

Please note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data.

Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.

 

Purpose/Activity Type of Data Lawful Basis
To register you as a member/customer/ or third party supplier Identity Contact Performance of a contract with you
To process and deliver our service(s) To provide you with surveying service(s) To provide you with an insurance policy To provide you with a claim handling service (as required) Identity Contact Financial Transaction Marketing & Communications Performance of a contract with you.  Necessary for our legitimate interests (to recover debts due to us)
To manage our relationship with you which will include: Notifying you about changes to our terms or privacy policy Notifying you and arranging site visits Placing an insurance policy for you Asking you to leave a review or take a survey Identity Contact Profile Marketing & Communications Performance of a contract with you Necessary to comply with a legal obligation Necessary for our legitimate interests (to keep our records updated and to study how customers use our products/services)
To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you Identity Contact Profile Usage Marketing & Communications Technical Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy)
To use data analytics to improve our website, services, marketing, member relationships and experiences Technical Usage Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy)
To make suggestions and recommendations to you about goods or services that may be of interest to you Identity Contact Technical Usage Profile Necessary for our legitimate interests (to develop our products/services and grow our business)

Marketing

We may send you marketing information by post or email. We will only market to you if you have given prior consent for us to do so and with each marketing communication you will have the option to opt-out.  Individual employees can object to our processing of their data for marketing purposes and we extend this right to corporate subscribers.

We strive to provide you with choices regarding certain personal data uses, particularly around marketing and have in place the following personal data control mechanisms:

We may use your personal data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).

You will receive marketing communications from us if you have requested information from us or if you provided us with your details and, in each case, you have not opted out of receiving that marketing.

We will get your express opt-in consent before we share your personal data with any company outside of the CRL group for marketing purposes.

You can ask us or third parties to stop sending you marketing messages at any time by contacting us.

Cookies

You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies some parts of this website may become inaccessible or not function properly.

Change of purpose

We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us. If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.

Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

 

Who do we share your personal information with?

We may have to share your personal data with the parties set out below in order for us to provide our services:

  • Building Surveyors
  • Insurers
  • Claims Management Companies

Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

 

How we protect your Personal Information

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

 

How long we keep your Personal Information

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

Details of retention periods for different aspects of your personal data are can be obtained via a request to Contact Us.

In some circumstances you can ask us to delete your data: see [Request erasure] below for further information.

In some circumstances we may anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.

 

Your Rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data. Please click on the links below to find out more about these rights:

If you wish to exercise any of the rights set out above, please contact us.

You have the right to:

Request access to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.

Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.

Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.

Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.

Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data’s accuracy; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.

Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.

Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.

 

Cookies

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. By continuing to browse the site, you are agreeing to our use of cookies.

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer.

We may use the following cookies:

Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.

Analytical/performance cookies. They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.

Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).

Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

You can find more information about the individual cookies we use in our Cookie Policy.

You may block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.

 

How to Contact Us

You can contact us at the address below.

 

CRL Management Limited

18 King William Street,

London,

EC4N 7BP

 

Tel: 0808 301 7215 or by using our contact form on the website: https://c-r-l.com/contact/

 

Please send any comments about this notice to customer.services@c-r-l.com

 

Dated 23rd May 2018