Privacy Policy

This Website www.assurantforadvisers.co.uk (the "Service") is operated by Assurant Intermediary Limited (“AIL”), with mailing address of Emerald Buildings, Westmere Drive, Crewe, Cheshire, CW1 6UN, a member of the Assurant, Inc. group of companies (hereinafter, “We”, “Us”, or “Our”). AIL is the data controller of your Personal Information in the context of the Service.

This Privacy Notice (“Notice”) describes how We will process and protect personal information relating to an identified or identifiable individual (“Personal Information”) when you use the Service, which allows users to update account details, obtain insurance product quotes and policies on behalf of customers, access policy documents and forms (for example, view policy terms and conditions, print certificates of coverage), and contact broker support, and applies to your use of the Service. We also use the Personal Information to provide Our insurance or product services to you, to communicate with you, and to track usage of the Service and Our products and services. Your Personal Information shall be held and used in accordance with applicable legislation relating to the protection of Personal Information (the “Applicable Law”). Your Personal Information will be shared with other Assurant affiliates and service providers, some of which are located outside the European Economic Area (EEA) and are not subject to an adequacy decision of the European Commission.

Prior to providing Us with Personal Information about other individuals (i.e., customers), please tell that individual about Our consumer privacy notice https://www.assuranthomeinsurance.co.uk/customer-privacy-policy/ and, where possible, obtain their permission to share their Personal Information with Us.

This Notice applies to the Service only and does not necessarily reflect practices with respect to information gathered through other services We offer or websites We operate or the collection of information through off-line means.  To review the privacy practices of those other services, please refer to the policies provided in association with each.

1. Personal Information We Collect

We collect your Personal Information in the following situations:

• When you Create or Update an Account

We collect Personal Information from you when you apply for a broker account on the Service. To create an account on the Service, We ask users to provide Us with their contact details (for example - contact name, email address, telephone number, full individual or company name and FCA number). You may update your account details at any time through the Service. We will also collect your Internet Protocol (“IP”) address.

1.2        When you Request a Quote

We collect Personal Information from you (for example – customer Personal Information) when you submit a request for an insurance quote.  When you submit a quote request, We may ask you to provide Us with customer Personal Information: customer contact details (for example, telephone number, address), In some cases, AIL or the insurer may need to collect and process Personal Information relating to a customer or potential customer (“Customer”) which is defined as sensitive under Applicable Laws for the purpose of evaluating risk and providing a quote for an insurance product.  You are responsible for ensuring that you have explicit verbal or written consent from a Customer prior to such information being processed by AIL and that this fact is made known to the Customer.

1.3        When you communicate with Us or contact Us for Customer Support

When you contact Our broker support team (for example, when you enquire about the status of your agency, We will collect information that you provide to Us in your communications (such as the query or issue that you have raised).

1.4        When you access the Service

We collect information about devices used to access Our Service, (including IP address, browser used, browser language preferences, screen settings). Additionally, We use cookies and similar technologies such as web beacons to collect information about how you use and navigate Our Service (for example, the pages that you view and links that you click). We use cookies to help Us recognise you; improve your experience, increase security, and measure use and effectiveness of Our services. For more information about the cookies We utilise on the Service, please view Our Cookie Notice

2. Purposes and Legal Basis for the Processing of your Personal Information

We process your Personal Information for the following purposes:

• To fulfil a contract, or take steps in preparation for entering into a contract: this is relevant where you submit a request for an insurance quote on behalf of a Customer This includes:
  • providing the Service;
  • verifying your identity;
  • processing your quote request on behalf of a Customer; and
  • communicating with you.

• As required by Us to conduct Our business and pursue Our legitimate interests, in particular:
  • We will use your Personal Information to provide the Service and other services that you have requested, and respond to any comments or complaints you may send Us;
  • We monitor use of the Service, and use your Personal Information to help Us to track and analyse preferences and trends, evaluate possible new features, functionality and services, and improve Our Service.
  • We use Personal Information to help Us recognise you on the Service, improve your experience, increase security of Our networks and systems, and measure use and effectiveness of Our Service.
  • We use Personal Information you provide to investigate complaints received from you or from others, about the Service or Our products and services. We also use this Personal Information to track potential issues (for example, issues with fulfilment of services) and trends to better serve you;
  • We use Personal Information to make decisions about, and to effect, reorganisations or sales of all or part of Our business;
  • We monitor customer accounts to prevent, investigate and/or report fraud, misrepresentation, or crime, in accordance with Applicable Law;
  • We will use Personal Information in connection with legal claims (for example; relating to sales and product complaints), compliance, regulatory and investigative purposes as necessary (including disclosure of such information in connection with legal process or litigation);
  • We use Personal Information of some individuals to invite them to take part in market research and broker surveys; and
  • We use Personal Information to send you information about Assurant products and services, such as customer experience surveys (where your consent is not required).

• Where you give Us consent:
  • We place cookies and use similar technologies in accordance with Our Cookie Notice and the information provided to you when those technologies are used; and
  • On other occasions where We ask you for consent, We will use the data for the purpose which We explain at that time.

• For purposes which are required by law:
  • In response to requests by government or law enforcement authorities conducting an investigation; and
  • Responding to complaints where We are under a legal or regulatory obligation to adhere to a complaints handling procedure.

• Withdrawing consent
  • Wherever We rely on your consent, you will always be able to withdraw that consent, although We may have other legal grounds for processing your data for other purposes, such as those set out above. Where you have given Us your consent, you can withdraw it by using the mechanism described to you at the time that your consent was obtained, or by contacting Us https://www.assurantforadvisers.co.uk/contact-us/

• How We use your Data to Make Automated Decisions
  • We use automated decision making, including profiling, to assess insurance risks, provide and manage quotes for insurance products and administer a customer Policy. Automated decision making tools do not involve human input and these tools apply pre-defined logic programming and criteria to make a decision. For example, when you submit customer personal information to request a quote for insurance contents coverage, We carry out automated decision making. We provide a quote to you based on the information provided about the Customer and overall risk of the insurance required. If you have any concerns regarding the quote or decision reached, please contact Us https://www.assurantforadvisers.co.uk/contact-us/ and We will arrange for a person to check the accuracy of the result. We will need your name, email address, policy or quote reference number and purpose of your request.

3. Disclosure of Personal Information

3.1 Disclosure to Our Affiliates

We will disclose your Personal Information to other Assurant group companies for the purpose of performing tasks that directly relate to the provision of the Service. For example, We may share your information with Our affiliates to manage your Policy.

3.2 Disclosure to Our Service Providers and Partners

We employ third party companies and individuals to facilitate the Service (for example, customer communications, application or database hosting, development, payment processing, other insurance companies (for example, reinsurers), and for fraud detection and prevention purposes.  These third parties have limited access to your Personal Information to perform these tasks on Our behalf and are obligated to Us. The personnel of such third parties who use your Personal Information is limited to those individuals which are authorised to do so on a need-to-know basis and as necessary to provide these business services to Us. To process your insurance product quote request, We may share the customer’s name, contact details (including postal address, email address and mobile number), and any other customer data provided.  

3.3 Disclosure to Public Authorities

We may disclose your Personal Information if required for the purposes above, if mandated by law or if required for the legal protection of Our legitimate interests in compliance with Applicable Law.

3.4 Other Categories of Recipients

We may also disclose your Personal Information, usage information, and other information about you to parties acquiring part or all of Our assets, as well as to attorneys and consultants.  Also, if any bankruptcy or reorganisation proceeding is brought by or against Us, your Personal Information may be considered a company asset that may be sold or transferred to third parties.

4. Where your Data is Processed

In providing the Service, Personal Information is transferred to, and processed in, the European Economic Area (“EEA”). 

5. Your Choices and Rights

In some countries, you have the right to request access to, correction of, and deletion of your Personal Information, and to restrict the processing of your Personal Information, under Applicable Law. You also have the right to request a structured commonly-used and machine-readable copy of Personal Information that you have provided to Us for a contract or with your consent, and to ask Us to transmit (port) this Personal Information to another controller.

You may also object to Our processing of Personal Information in certain circumstances (in particular, where We don't need to process the information to meet a contractual or other legal requirement, or where We are using the data for customer experience surveying purposes (see section 2).

You can exercise any of your rights by contacting Us https://www.assurantforadvisers.co.uk/contact-us/ in order to safeguard your Personal Information from unauthorised access, We may ask that you provide sufficient information to identify yourself prior to providing access to your Personal Information.

In certain situations, and subject to Applicable Law, We may not be able or obliged to comply with part or all of your individual requests. For example, We may not comply with an access request if doing so would reveal Personal Information about another person, or comply with a deletion request relating to information which We are required by law to keep or have compelling legitimate interests in keeping. Please note that We have the right to refuse requests which are manifestly unfounded or excessive (for example, due to their repetitive character).

If you have unresolved concerns, you have the right to complain to an EU data protection authority ('supervisory authority') where you live, work or where you believe a breach may have occurred.

To provide certain parts of the Service (for example – Create an Account, Request a Quote), the provision of Personal Information is mandatory: If relevant data is not provided, then We will not be able to provide certain parts of the Service.  All other provision of your information is optional. If you do not wish to provide optional information, then your experience on Our website may be less personalised.

6. Communications from Us

We communicate with you through email and the Service. We will send you service-related communications (for example, “Your request for a quote has been processed”), customer satisfaction and market research surveys.

You can change your email and contact preferences through the Service, you will need to log into your account and select configuration or contact Us https://www.assurantforadvisers.co.uk/contact-us/. Please be aware that you cannot opt-out of receiving service-related messages from Us.

7. Data Retention

We retain Personal Information you provide as needed to provide the Service. We may retain your Personal Information if retention is reasonably necessary to comply with Our legal obligations, meet regulatory requirements, resolve disputes, prevent fraud and abuse, or enforce this Notice and Our Terms of Use. We may retain Personal Information for a limited period of time if requested by law enforcement. Our customer support may retain information for as long as is necessary to provide support-related reporting and trend analysis only, but We generally delete or de-personalise transaction-related data consistent with this Notice.  Once Personal Information is anonymised, We may retain and use such information.  Additionally, We maintain logs and backups for security, debugging, and site stability purposes for up to 30 days after your transaction has been completed.

We typically delete logs and other backup information through the deletion process within 12 months of your last activity, except as noted in Section 5. Where We process user account creation data, We do this for as long as you are an active user of Our site and for 6 years after this. Where We process Personal Information in connection with performing a contract, We keep the data for 7 years from your last interaction with us.

8. Information Security

We have implemented safeguards designed to protect your Personal Information in accordance with industry standards.

We have measures in place to restrict access to Personal Information to those individuals whom We know have a valid business purpose to have access to such data. We maintain physical, electronic and procedural safeguards. We follow generally accepted standards designed to protect the Personal Information submitted to Us, both during transmission and once We receive it. We require those who provide services for Us and to whom We provide Personal Information collected through the Service to keep such information secure and confidential. However, no method of transmission over the Internet or method of electronic storage is totally secure. Therefore, We cannot guarantee its absolute security.

9. Important Information

9.1  Minimum age

We do not knowingly collect Personal Information from anyone under the age of 18.  You must be at least 18 years of age to use the Service.

9.2 Changes to this Notice

We may update this Notice from time to time. If We make any material changes to Our Notice, We will notify you by email or by means of a notice through the Service, or by other means prior to the change becoming effective, so that you may review the changes before you continue to use the Service. Please review changes carefully.

9.3  Contact Us

For customer enquiries, please contact Us at: Assurant Intermediary Limited, Emerald Buildings, Westmere Drive, Crewe, Cheshire, CW1 6UN, or call Us https://www.assurantforadvisers.co.uk/contact-us/

We welcome your questions or comments regarding this Notice. Please write to Assurant Intermediary Limited (an Assurant group company), Data Protection Officer, Emerald Buildings, Westmere Drive, Crewe, Cheshire, CW1 6UN, or send Us an email at dataprotectionofficer@assurant.com. You may also write to Us at Assurant Privacy Office, Post Office Box 979047, Miami, FL 33197-9047, USA.

 

Effective date: 24/05/2018