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Privacy Policy

In accordance with the General Data Protection Regulation and related UK data protection legislation, we are committed to protecting the confidentiality and security of the information that you provide to us.

This Privacy Notice is designed to help you understand how we collect and use your information.

We may collect information from you about other people, for example, family members who may drive your car or who may be included on a travel or household insurance policy. If you give us information about another person it is your responsibility to ensure and confirm that:
• you have told the individual who we are and how we use personal information, as set out in this Privacy Policy; and
• you have permission from the individual to provide that personal information to us and for us to use it, as set out in this Privacy Notice.

If you have any questions or queries about this policy please contact us.

Who we are
“The Risk Hub Limited” (also referred to in this Notice as “we”, “us”, or “our”) means The Risk Hub Limited.

How to contact us:
For any questions or concerns relating to this Privacy Policy or our data protection practices, or to make a subject access or any other request regarding the information we hold, please contact us at:

The Risk Hub Limited
Suite 43
Lake View House
Tournament Fields
Warwick
CV34 6RG

Tel: 01926 674875
email: info@riskhubgroup.co.uk
Website: www.riskhubgroup.co.uk

Why we need and how we use your personal information
We only collect, use and store your information where we have lawful grounds and legitimate business reasons to do so.

We collect, use and store your personal information in order to fulfil requests for quotes, products and services as part our insurance broking, claims handling and risk management business. It may also be used to verify your identity, to administer payments and to enable us to carry out anti-money laundering and other financial crime checks where required. If you pay by instalments your information may also be used to arrange credit.

The use of your data is essential for us to check your identity, to enable you to enter into an insurance contract and for the insurance to operate (in the event of a claim, for example). We may also use it keep our records up to date, to notify you about changes to our service and to help us in develop new products and services.

If you do not provide the information required we are unlikely to be able to arrange your insurance and may not be able to provide certain services to you.

We may monitor calls, emails, text messages and other communications with you. When you contact us we may keep a record of that correspondence and any information provided to us during that or any subsequent communication.

Marketing
We would like to keep you updated about our relevant products and services by email, SMS and/or telephone. If we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes we will only do so with your consent. Your consent will be obtained specifically at the appropriate time.
If you have already consented and wish us to stop using your information for this purpose or any other purpose then please contact us.
See “Any recipient or categories of recipients of the personal data” below.

Nature of personal information
Personal data is any information that may identify a living individual.
We collect personal information such as name, contact details, date of birth, gender, marital status, financial details, employment details and other personal details depending on the nature of the insurance and other services we offer.

We may collect, use and store sensitive personal information such as criminal convictions and medical conditions as necessary in relation to insurances such as motor, home, travel and health insurance. This information may be shared with insurers, insurance product providers and our third party service providers. Where necessary, we shall obtain your consent to the processing of such information.

Sharing information
We will only supply your personal information to other parties where such a transfer is a necessary part of the activities that we undertake, where you give us consent or where we are required to do so by law or regulation (e.g. where the disclosure is necessary for the purposes of the prevention and/or detection of crime).

As an intermediary we must disclose personal information to insurance companies, underwriting agencies, business partners and other parties in order to provide our products and services and to enable you to enter into insurance contracts. Examples of other parties include other insurance intermediaries, loss adjusters, regulatory bodies, legal and accountancy firms involved in the claims handling process. We may also share your personal information with fraud prevention agencies such as the Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud and Theft Register. We may pass information relating to your insurance policy and any incident to the operators of these registers, their agents and suppliers,
For motor insurance we share it with the Motor Insurance Database (MID) which may be used to establish whether a driver is insured to drive a vehicle and/or for preventing or detecting crime. If you are involved in an accident in the UK or abroad, the MID may be searched to obtain relevant policy information. You can find out more at www.mib.org.uk

We may also disclose your information to service providers engaged to perform services on our behalf. Such service providers are contractually restricted from using or disclosing the information we give them except as necessary to perform services on our behalf or to comply with legal requirements.

We only share your information if we are satisfied that our partners or suppliers have sufficient measures in place to protect your information in the same way that we do.

We may also disclose personal information to new owners of our business in the event that we are subject to a merger or acquisition. Disclosure may also be made to enable company audits, regulatory inspections or to investigate a complaint, suspicion of fraud or a security threat.

We never share your information outside our organisation for marketing purposes.

You understand that we may disclose the information you provide to relevant other parties for the purposes described in this Notice.

Transfer of personal data outside the UK
Certain personal information held on our Information Technology systems may be transferred across geographical borders in accordance with applicable law.
By providing us with your information, you consent to the collection, international transfer, storage, and processing of your information. These transfers are governed by European Union (EU) standard contractual clauses or equivalent data transfer agreements to protect the security and confidentiality of personal information.

How long we keep information about you
We will keep your information for as long as it is required to enable us to provide quotations, administer your insurances, offer renewal and respond to any claims or complaints (which may arise after the period of insurance has expired). This will usually be a minimum period of seven years or otherwise as determined by law or regulation. Once we decide that we no longer need your information it will be securely and confidentially destroyed.

Your data protection rights
You have certain legal rights under UK data protection law and regulations, summarised as follows:
• The right to be informed about our data processing activities, including through Privacy Notices such as this.
• The right of access to the personal information we hold about you. To request a copy of this information you must make a subject access request in writing to us.
• The right of rectification. You may ask us to correct any inaccurate or incomplete data within one month.
• The right to erasure and to restrict processing. You have the right to have your personal data erased and to prevent processing except where we have a legal obligation to process your personal information. You should bear in mind that by exercising this right you may hinder or prevent our ability to provide products and services.
• The right to data portability. On your request, we will provide you with your personal data in a structured format.
• The right to object. You have particular rights in relation to automated decision making and profiling to reduce the risk that a potentially damaging decision is taken without human intervention. You can object to your personal data being used for profiling, direct marketing or research purposes.

If you want to invoke any of these rights please write to us:

The Risk Hub Limited
Suite 43
Lake View House
Tournament Fields
Warwick
CV34 6RG
email: info@riskhubgroup.co.uk

Withdrawal of consent
Where you have provided your specific consent to the use of personal data, you may withdraw that consent by contacting us:
The Risk Hub Limited
Suite 43
Lake View House
Tournament Fields
Warwick
CV34 6RG
Tel: 01926 674875
email: info@riskhubgroup.co.uk
Website: www.riskhubgroup.co.uk

How to make a complaint
If you wish to make a complaint about how we hold or use your data, please contact us:
The Risk Hub Limited
Suite 43
Lake View House
Tournament Fields
Warwick
CV34 6RG
Tel: 01926 674875
email: info@riskhubgroup.co.uk

If you are dissatisfied with how we deal with your complaint, you may contact the Information Commissioner’s Office:
The Information Commissioner Wycliffe House Water Lane Wilmslow Cheshire, SK9 5AF; Phone: 08456 30 60 60 Website: www.ico.gov.uk

Information from other sources
We may use legal public sources such as the electoral roll and other third party sources such as credit reference agencies to obtain information about you, for example to verify your identity or check your credit history.
We also obtain information about you from credit reference agencies and similar third parties. Some personal information may be provided to us by third parties such as insurance companies, other insurance intermediaries and motor vehicle licensing authorities. In some cases you will have previously submitted your personal information to them and given them approval to pass this information on for certain purposes.

Such information will only be obtained from reputable sources which operate in accordance with the General Data Protection Regulation.

See above – “Purpose of the processing and the legal basis for the processing”
We and/or other parties may use your information for purposes such as statistical and trend research and analysis which may include computerised processes which profile you. Automatic profiling helps us understand, predict and forecast customer preferences and to improve the products and services we offer and to assess which products might be most suitable for you.

We may amend this Privacy Policy from time to time for example, to keep it up to date or to comply with legal requirements. The latest version of this policy can be found at www.riskhubgroup.co.uk

August 2018

Privacy Notice
In accordance with the General Data Protection Regulation and related UK data protection legislation, we are committed to protecting the confidentiality and security of the information that you provide to us.

This Privacy Notice is designed to help you understand how we collect and use your information.

We may collect information from you about other people, for example, family members who may drive your car or who may be included on a travel or household insurance policy. If you give us information about another person it is your responsibility to ensure and confirm that:
• you have told the individual who we are and how we use personal information, as set out in this Privacy Policy; and
• you have permission from the individual to provide that personal information to us and for us to use it, as set out in this Privacy Notice.

If you have any questions or queries about this policy please contact us.

Who we are
“The Risk Hub Limited” (also referred to in this Notice as “we”, “us”, or “our”) means The Risk Hub Limited.

How to contact us:
For any questions or concerns relating to this Privacy Policy or our data protection practices, or to make a subject access or any other request regarding the information we hold, please contact us at:

The Risk Hub Limited
Suite 43
Lake View House
Tournament Fields
Warwick
CV34 6RG

Tel: 01926 674875
email: info@riskhubgroup.co.uk
Website: www.riskhubgroup.co.uk

Why we need and how we use your personal information
We only collect, use and store your information where we have lawful grounds and legitimate business reasons to do so.

We collect, use and store your personal information in order to fulfil requests for quotes, products and services as part our insurance broking, claims handling and risk management business. It may also be used to verify your identity, to administer payments and to enable us to carry out anti-money laundering and other financial crime checks where required. If you pay by instalments your information may also be used to arrange credit.

The use of your data is essential for us to check your identity, to enable you to enter into an insurance contract and for the insurance to operate (in the event of a claim, for example). We may also use it keep our records up to date, to notify you about changes to our service and to help us in develop new products and services.

If you do not provide the information required we are unlikely to be able to arrange your insurance and may not be able to provide certain services to you.

We may monitor calls, emails, text messages and other communications with you. When you contact us we may keep a record of that correspondence and any information provided to us during that or any subsequent communication.

Marketing
We would like to keep you updated about our relevant products and services by email, SMS and/or telephone. If we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes we will only do so with your consent. Your consent will be obtained specifically at the appropriate time.
If you have already consented and wish us to stop using your information for this purpose or any other purpose then please contact us.
See “Any recipient or categories of recipients of the personal data” below.

Nature of personal information
Personal data is any information that may identify a living individual.
We collect personal information such as name, contact details, date of birth, gender, marital status, financial details, employment details and other personal details depending on the nature of the insurance and other services we offer.

We may collect, use and store sensitive personal information such as criminal convictions and medical conditions as necessary in relation to insurances such as motor, home, travel and health insurance. This information may be shared with insurers, insurance product providers and our third party service providers. Where necessary, we shall obtain your consent to the processing of such information.

Sharing information
We will only supply your personal information to other parties where such a transfer is a necessary part of the activities that we undertake, where you give us consent or where we are required to do so by law or regulation (e.g. where the disclosure is necessary for the purposes of the prevention and/or detection of crime).

As an intermediary we must disclose personal information to insurance companies, underwriting agencies, business partners and other parties in order to provide our products and services and to enable you to enter into insurance contracts. Examples of other parties include other insurance intermediaries, loss adjusters, regulatory bodies, legal and accountancy firms involved in the claims handling process. We may also share your personal information with fraud prevention agencies such as the Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud and Theft Register. We may pass information relating to your insurance policy and any incident to the operators of these registers, their agents and suppliers,
For motor insurance we share it with the Motor Insurance Database (MID) which may be used to establish whether a driver is insured to drive a vehicle and/or for preventing or detecting crime. If you are involved in an accident in the UK or abroad, the MID may be searched to obtain relevant policy information. You can find out more at www.mib.org.uk

We may also disclose your information to service providers engaged to perform services on our behalf. Such service providers are contractually restricted from using or disclosing the information we give them except as necessary to perform services on our behalf or to comply with legal requirements.

We only share your information if we are satisfied that our partners or suppliers have sufficient measures in place to protect your information in the same way that we do.

We may also disclose personal information to new owners of our business in the event that we are subject to a merger or acquisition. Disclosure may also be made to enable company audits, regulatory inspections or to investigate a complaint, suspicion of fraud or a security threat.

We never share your information outside our organisation for marketing purposes.

You understand that we may disclose the information you provide to relevant other parties for the purposes described in this Notice.

Transfer of personal data outside the UK
Certain personal information held on our Information Technology systems may be transferred across geographical borders in accordance with applicable law.
By providing us with your information, you consent to the collection, international transfer, storage, and processing of your information. These transfers are governed by European Union (EU) standard contractual clauses or equivalent data transfer agreements to protect the security and confidentiality of personal information.

How long we keep information about you
We will keep your information for as long as it is required to enable us to provide quotations, administer your insurances, offer renewal and respond to any claims or complaints (which may arise after the period of insurance has expired). This will usually be a minimum period of seven years or otherwise as determined by law or regulation. Once we decide that we no longer need your information it will be securely and confidentially destroyed.

Your data protection rights
You have certain legal rights under UK data protection law and regulations, summarised as follows:
• The right to be informed about our data processing activities, including through Privacy Notices such as this.
• The right of access to the personal information we hold about you. To request a copy of this information you must make a subject access request in writing to us.
• The right of rectification. You may ask us to correct any inaccurate or incomplete data within one month.
• The right to erasure and to restrict processing. You have the right to have your personal data erased and to prevent processing except where we have a legal obligation to process your personal information. You should bear in mind that by exercising this right you may hinder or prevent our ability to provide products and services.
• The right to data portability. On your request, we will provide you with your personal data in a structured format.
• The right to object. You have particular rights in relation to automated decision making and profiling to reduce the risk that a potentially damaging decision is taken without human intervention. You can object to your personal data being used for profiling, direct marketing or research purposes.

If you want to invoke any of these rights please write to us:

The Risk Hub Limited
Suite 43
Lake View House
Tournament Fields
Warwick
CV34 6RG
email: info@riskhubgroup.co.uk

Withdrawal of consent
Where you have provided your specific consent to the use of personal data, you may withdraw that consent by contacting us:
The Risk Hub Limited
Suite 43
Lake View House
Tournament Fields
Warwick
CV34 6RG
Tel: 01926 674875
email: info@riskhubgroup.co.uk
Website: www.riskhubgroup.co.uk

How to make a complaint
If you wish to make a complaint about how we hold or use your data, please contact us:
The Risk Hub Limited
Suite 43
Lake View House
Tournament Fields
Warwick
CV34 6RG
Tel: 01926 674875
email: info@riskhubgroup.co.uk

If you are dissatisfied with how we deal with your complaint, you may contact the Information Commissioner’s Office:
The Information Commissioner Wycliffe House Water Lane Wilmslow Cheshire, SK9 5AF; Phone: 08456 30 60 60 Website: www.ico.gov.uk

Information from other sources
We may use legal public sources such as the electoral roll and other third party sources such as credit reference agencies to obtain information about you, for example to verify your identity or check your credit history.
We also obtain information about you from credit reference agencies and similar third parties. Some personal information may be provided to us by third parties such as insurance companies, other insurance intermediaries and motor vehicle licensing authorities. In some cases you will have previously submitted your personal information to them and given them approval to pass this information on for certain purposes.

Such information will only be obtained from reputable sources which operate in accordance with the General Data Protection Regulation.

See above – “Purpose of the processing and the legal basis for the processing”
We and/or other parties may use your information for purposes such as statistical and trend research and analysis which may include computerised processes which profile you. Automatic profiling helps us understand, predict and forecast customer preferences and to improve the products and services we offer and to assess which products might be most suitable for you.

We may amend this Privacy Policy from time to time for example, to keep it up to date or to comply with legal requirements. The latest version of this policy can be found at www.riskhubgroup.co.uk

Our Full Cookie Policy

We use cookies and similar tools across our websites to improve their performance and enhance your user experience. This policy explains how we do that.

What are cookies?

Cookies are small text files which a website may put on your computer or mobile device when you first visit a site or page. The cookie will help the website, or another website, to recognise your device the next time you visit. Web beacons or other similar files can also do the same thing. We use the term “cookies” in this policy to refer to all files that collect information in this way.

There are many functions cookies serve. For example, they can help us to remember your username and preferences, analyse how well our website is performing, or even allow us to recommend content we believe will be most relevant to you.

Certain cookies contain personal information – for example, if you click to “remember me” when logging in, a cookie will store your username. Most cookies won’t collect information that identifies you, and will instead collect more general information such as how users arrive at and use our websites, or a user’s general location.

What are the advantages of cookies?

A cookie contains information linked from a web browser (the user) to a specific web server (the website). If a web browser accesses that web server again, the web server can read from and react to that information. Cookies ensure a user-friendly experience and support safety efforts for many online offers and services, e.g. language preferences, privacy settings, shopping baskets of online shops or relevant adverts.

Do cookies pose a security or safety risk?

No, cookies do not pose any safety or security risks. They are not ‘active’, executable, software. They do not spy on data that is stored in the computer nor can they carry a virus.

Is my privacy protected?

Usually cookies contain only a generic browser recognition or are associated with anonymous data. When cookies are set, the user is informed about it (typically in the privacy section of a website or in the terms of use or other user contract). If websites use cookies to collect personal data, data protection laws require those websites to inform users about the collection of personal data and the purpose of such collection.

Can I control cookies?

Yes, browsers offer cookie management setting tools (please see some help below). Browser settings can be set to require the user’s confirmation for each cookie that might be stored on his / her PC. You can also set the browser to accept cookies only from specific web sites (e.g. your favourite news site). Browsers can also enable users to delete specific cookies. It is even possible to set a browser to reject all cookies. Note that choosing to disable all cookies could significantly affect your web browsing experience because many Internet services rely on cookies.

How can I manage or remove cookies?

Google Chrome

Open your browser. Click on the icon representing “Tools” at the right of the window and choose Options. Click the “Under the Hood” tab and Click Content Settings in the Privacy section. Choose your preferred settings in the Cookies tab.

For newer versions of Chrome, click on the icon representing “Tools” at the right of the window and choose Settings. Click the “Show advanced settings…” at the bottom and Click Content Settings in the Privacy section. Choose your preferred settings in the Cookies tab.

Internet Explorer

Open your browser. Click on Tools at the right of the window and choose Internet Options. Click on the Privacy tab. You can choose between different levels of automatic cookies management or choose to do it manually by clicking on Advanced.

Mozilla Firefox

Open your browser. Click on Tools and choose Options. Click on the Privacy tab. In the History section you can choose between different scenarios (Remember history/ Never remember history /Use custom settings for history) and define exceptions.

Opera

Open your browser. Go to the main menu and click on Settings. Choose Preferences and click on the Advanced tab. Choose the Cookies tab and define your preferred settings.

Safari

Open your browser. Click on the menu icon on the far right. Choose Preferences and click on the Security tab. Define your preferred settings.

To find out more about managing cookies, including how to see what cookies have been stored and how to manage and delete them, visit www.allaboutcookies.org/manage-cookies/

Please remember that if you do choose to disable cookies, you may find that certain sections of our website do not work properly.

Can I disable a cookie?

Yes, some browsers will let you block just third party cookies (these are cookies placed on your browser by an entity other than the particular website’s owner- e.g., an advertising partner) or will allow the use of settings to block only cookies that do not meet your privacy preferences. However, most Websites use cookies in order to enhance a user-friendly experience and the safety of their online offers, e.g. the shopping basket of an online shop or the display of a relevant advertisement. You can choose to disable all cookies but this could significantly affect your web browsing experience.

What is the lifespan of a cookie?

Cookies are managed by web servers. The lifespan of a cookie can vary significantly, depending on its purpose. Some cookies are used only during an online session (‘session cookies’) and are not retained once you leave a website, and some cookies are retained and used each time you visit a website (‘permanent cookies’). However, cookies can be deleted by a user at any given time through the browser settings.

What kinds of cookies exist? There are two types of cookies: ‘session cookies’, which are automatically deleted after each session and ‘permanent cookies’, which have a longer life-span. Both kinds of cookies can be deleted at any given time by the user.

What are third party cookies?

Some content on a Website can be placed by a third party provider (e.g. a news box ticker, a video or an advertisement). Those third parties can also place cookies through a Website and they are called ‘third party’ cookies because they are not the Website owner. Third party providers must of course respect the applicable legislation and typically the policies of the Website owner. See also question “Can I control cookies?”.

Do cookies fill up my hard disk?

No, cookies are small text files and require very little storage.

What are flash cookies (or LSOs)?

‘Flash cookies’, referred to also as Local Shared Objects (LSOs), operate in a similar way to cookies and store preferred settings of players like Flash or Silverlight. In most cases, LSOs cannot be managed by browsers but through special manager tools:

Adobe Settings Manager for LSOs using Flash Player

www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager.html

The “Global Storage Settings panel” will allow you to choose how much disk space websites can use to store information for websites you have not visited yet (zero to unlimited). If you want to change the settings for the websites you have already visited, go to “Website Storage Settings Panel”. You can choose the level of information storage for a website or delete the website so that, if you visit it again, it will use the global settings you have set under the “Global Storage Settings panel”.

Microsoft Settings Manager for LSOs using Silverlight

www.microsoft.com/GetSilverlight/resources/documentation/AppStorage.aspx

Open the Silverlight application. Click the Application Storage tab to see which Web sites are currently using application storage.

Add-on extensions have also have been created by the Firefox Web browser (Click&Clean, Objection, BetterPrivacy).

How do we use cookies?

Cookie Notice

Cookie Name: CookieNotice

What this cookie does: When you visit this site at the top will be a message displayed informing you that this site uses cookies. There is also a button ‘Don’t show me this message again’ which when clicked will hide this message bar and not show it to you again.

In order to remember that you have clicked this button, a cookie will be stored on your computer. This is purely to enhance your experience and no other information is stored.

Third Party Cookies

Google Analytics

Cookie Name: __utma, __utmb, __utmc, __utmz

What this Cookie does: These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site.

The information collected is anonymous and does not identify a visitor. The data includes the number of visitors to the site, where visitors have come from and the pages they visited.

Select this link for an overview of privacy at Google.

To opt out of being tracked by Google Analytics across all websites visit.

Twitter Cookies

We embed feeds from Twitter on this site. Twitter may use cookies to better understand how you interact with their services, to monitor aggregate usage by Twitter users and web traffic routing to their services.

You can remove or block cookies using the settings in your browser, but in some cases, this may impact your ability to use Twitter.

For more information, visit Twitter’s Privacy Policy.

More Information

More detail on how businesses use cookies is available at www.allaboutcookies.org.