Privacy Policy
We are committed to ensuring your privacy is protected.
Privacy Notice under the Data Protection Act 2018
February 2022
Jequier Newitt Insurance Brokers Limited
Suite 1a Tannery Court, Stratton Way, Abingdon, Oxfordshire OX14 5TS
brokers@jnib.co.uk
What personal data do we hold? We generally collect the following information: Name, address, contact details including email, dates of birth, occupation, gender, marital status, where necessary bank details, and other personal data and risk information necessary for the type of insurance cover sought.
Some of the details you (the Data Subject) may be asked to give us, such as information about offences or medical conditions, are defined by the Act as sensitive personal data. By giving us such information, you signify your consent to its being processed by us in arranging and administering your insurance and any premium credit. We shall not use or disclose personal information without your consent, other than in the normal course of arranging and administering your insurance, and premium finance, except where we are compelled by law (including by regulators and law enforcement agencies) to disclose such information. In such instances personal information held by us may be disclosed on a confidential basis and in accordance with The General Protection Data Regulations 2016 to such third parties.
Our lawful basis for holding and processing personal data - It is essential in order for us in carrying out our business activity, in a manner expected of us by our clients, that we hold, use and share relevant personal data. In that regard, our lawful basis for processing personal data is: -
a. Processing is necessary for the performance of a contract with the data subject or to take steps to enter into a contract
b. Necessary for the purposes of legitimate interests pursued by the controller or a third party, except where such interests are overridden by the interests, rights or freedoms of the data subject (you, the policyholder).
Why do we collect this personal data? Insurers use specific personal data and risk details in order to consider offering cover and if so on what terms. We are required to submit such information about you to comply with the rules of material disclosure in order to secure appropriate cover.
What do we do with your personal data? We hold personal data on our own systems in the office and on remote cloud servers. Personal data is also stored in paper files. Personal Data can also be shared with relevant parties. This can be done electronically by email, electronic transmission, by key entry onto extranet sites, via post, telephone, fax and face to face.
From whom do we collect and with whom might we share your personal data? We will collect and share relevant personal data and risk information from and with you, Insurers, comparison extranet sites, claims management companies, loss adjusters, third parties with a legitimate interest, insurer surveyors, premium finance companies and those with your permission such as trustees, executors, solicitors, accountants and auditors. Where required by law, we will also share this information with authorised agencies, regulatory bodies and government organisations.
How long do we keep your personal data? We retain personal data and risk information from live and previously live policies indefinitely to cater for situations where potential liabilities are subsequently discovered.
Obsolete personal data and risk information - This is retained but for no longer than necessary. At appropriate junctures such personal data and risk information is erased using a purge process unless requested otherwise by you the data subject.
Your rights - You have various rights, and these are listed below: -
The right to be informed - You have the right to be notified of the range of personal data and risk information that we hold about you and how that is used.
The right of access - You may ask for details of the personal data and risk information we hold. This should be in writing either via email or letter addressed to one of the directors - T Jequier or M Newitt - at the above address. You should specify how you would like the personal data and risk information sent to you. Either by post or by email.
This will be provided to you in a timely manner free of charge and in any event no later than 30 days after the data request was received.
Refusals – We have the right to refuse or charge for requests that are manifestly unfounded or excessive. If we refuse a request, we shall tell you why and also tell you that you have the right to complain to the supervisory authority and to a judicial remedy. This will be done in a timely manner and no later than 30 days after the data request was received.
The right to rectification - It is in your and our interest that all personal data and risk information that we hold is accurate and complete. Where you establish any errors in the information, we hold we shall correct the record and notify any relevant parties in a timely manner.
The right to erasure - You have the right to ask for personal data and risk information to be erased. However, we reserve the right to retain personal data and risk information from live and previously live policies indefinitely to cater for circumstances that might subsequently lead to an insurance claim being made against you.
If a data subject insists on erasure, then the data subject will be required to complete a waiver of liability declaration and we may be unable to continue to act as your insurance broker.
The right to restrict processing - You have the right to ask for personal data and risk information to be restricted. However, this may, in certain circumstances, impede our ability to act for you.
If a data subject insists on restriction of processing, we may be unable to continue to act your insurance broker and/or request you complete a waiver of liability declaration.
The right to data portability - You have the right to request personal data in a format of your choosing to a nominated party. This should be in writing either via email or letter addressed to one of the directors - T Jequier or M Newitt - at the above address. If we are unable to provide the personal data in that particular format, we shall discuss options with you to ensure we can comply with your wishes in a timely manner
The right to object - You have the right to object to the range of personal data we hold or to the way we use your personal data.
The right not to be subject to automated decision-making including profiling We do not employ automated decision-making or profiling processes
Security - We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. Your information may be passed to countries outside the European Economic Area ("EEA"). By way of example, this may happen if any of our servers are from time to time located in a country outside the EEA, or one of the providers or provider’s servers is located in a country outside the EEA. These countries may not have similar data protection laws to the EEA
How we use cookies on our website - A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added, and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences. We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system. Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
Controlling your personal information - We will not sell, distribute or lease your personal information to third parties unless we are required by law to do so. You may choose to restrict the collection or use of your personal information in the following ways: If you have previously agreed to us using your personal information for direct marketing purposes under the General Data Protection Regulations, you may change your mind at any time by writing to or emailing us at brokers@jnib.co.uk