With effect from 25th May 2018 we must under Data Protection law provide you with a privacy notice. This is because the Data Protection Act 1998 is being replaced by EU General Data Protection Regulation from the above date.
The new regulation seek to give you more control over how we use your data. This notice explains how we will use and protect the personal data we collect and store from you.
At Morton Insurance Brokers Ltd we promise to look after your data. We will not sell your data to third parties and will keep it secure and private. We want you to know how we use your data and allow you to be in control of your marketing preferences.
What information do we hold about you?
The information we hold about you allows us to process your data in order to provide you with a quotation, arrange your insurance policy, and administer your policy during the course of the contract. Once your policy with us has ended, we may need to keep your data securely for a number of years for regulatory and compliance purposes.
How do we use your data?
We will only use your information on the basis that it is necessary to administer your insurance policy or help you make a claim.
Where we need to share your information with other organisations, it will only be for that purpose.
These organisation will be:-
- claims handlers
- firms that process or administer our records
- credit reference agencies,
fraud prevention agencies
- The Motor Insurers Bureau
- the police.
If we need to obtain sensitive information, we will only do so on the basis that it is in the public interest. For example, to fight crime, prevent fraud or to make sure insurance is available.
We will only collect what data is necessary and will only keep it for as long as we need.
How you can help us keep your data up to date:-
To help us to ensure your data is correct and up to date please tell us if the information we hold for you changes. You also have the right under data protection law to ask us to correct mistakes, or add to incomplete data.
Under GDPR you have the following rights:-
- The right to be informed
- The right of access
- The right to rectification
- The right to erasure
- The right to restrict processing
- The right to data portability
- The right to object
- Rights to automatic decision making and processing
There are some conditions attached to these rights.
- You have the right to complain to the Information Commissioner at www.ico.org.uk
- The right to be informed – Individuals have the right to be informed about the collection and use of their personal data.
- The right of access – GDPR rules mean that you can request a copy of your data free of charge.
- The right of rectification – Individuals have the right to have inaccurate personal data rectified. This means if you feel the data we hold about you is incorrect you can ask us to put it right.
- The right to erasure – The GDPR introduces the right for individuals to have personal data erased.
- The right to erasure is also known as “the right to be forgotten”. We will do this unless we have to keep your data for legal or regulatory reasons.
- The right to restrict processing – Individuals have the right to request the restriction or suppression of their personal data. If you restrict us processing your data we can still store your personal data, but not use it.
- The right to data portability – Individuals have the right to obtain their data from us in a machine readable format for their own purposes. This means if you need us to provide another organization with the data we hold. We must do this promptly and securely.
- The right to object – You have the right to object to our processing your information. We have to comply unless we can prove there are compelling legitimate grounds that override your request.
- Automated Decision Making & Processing – Automated individual decision-making is a decision made by automated means without any human involvement. You can object to an automated decision and ask that we review it.
What if I refuse to give you my information?
We need to collect personal information we can offer you an insurance quotation, arrange, and administer your insurance policy, and to comply with our regulators.
If you refuse to give answers to our questions and allow us to process your data then we may be unable to provide you with a quotation or arrange your insurance policy and it may prevent us meeting our obligations in the event of a claim. It may also mean we cancel an insurance policy you hold with us.