Privacy Policy

Adler Insurance Group Privacy Statement – Download Link

Introduction

The Data Protection Act 2018 (“DPA 2018”) and the General Data Protection Regulation (“GDPR”) impose certain legal obligations in connection with the processing of personal data.

The Adler Insurance Group of companies (Adler Insurance Brokers Ltd and Cross & Co Insurance Brokers Ltd) are deemed to be data controllers within the meaning of the GDPR and we process personal data. The firm’s contact details are as follows: Prudent House, 50 Yardley Road, Acocks Green, Birmingham, B27 6LG

We may amend this privacy notice from time to time. If we do so, we will supply you with or otherwise make available to you a copy of the amended privacy notice.

Our Legal Basis

Our intended processing of personal data has the following legal basis:

  • At the time you instructed us to act, you gave consent to our processing your personal data for the services required
  • the processing is necessary for the performance of our contract with you
  • the processing is necessary for our legitimate interests and legal obligations

It is a requirement of our contract with you that you provide us with the personal data that we request. If you do not provide the information that we request, we may not be able to provide our services to you. If this is the case, we will not be able to commence acting or will need to cease to act.

The information we collect

  • Information that you provide to us for the purpose of registering with us including your email address, name, address, business name and address and details of other policies that you hold.
  • Information that you provide to us for the purpose of subscribing to our website services, email notifications and/or newsletters.
  • Information that you provide to us relating to the risk or services which you have asked us to provide a quotation for
  • Any other information that you choose to send to us.
  • If you contact us, we may keep a record of that correspondence.
  • We may also ask you to complete surveys that we use for research purposes, although you do not have to respond to these.
  • Details of your visits to our website including, but not limited to, traffic data, location data, webchats, browser usage and other communication data.

Why do we need this information

The information which we ask for is necessary for the following reasons: –

  1. Offering and providing insurance and related products and services to you;
  2. Establishing and maintaining communications with you;
  3. Verifying your identity and the accuracy of your Personal Information with government agencies, industry associations, insurance companies, underwriting agents, insurance brokers or other insurance intermediaries;
  4. To analyse and assess risks on a prudent basis prior to submission to those parties identified under 3. above;
  5. Facilitating your payment of premiums, commissions and fees;
  6. Investigating claims;
  7. Detecting and preventing fraud or other illegal activities;
  8. Compiling statistics;
  9. Complying with the law or the requests of law enforcement agencies or regulators; and
  10. Notifying you or allowing our affiliated companies to notify you of certain products or services offered by our affiliated companies.

Your data security

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff maybe engaged in, among other things, the provision of information you have requested. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy

We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.

We will store all the personal information you provide on our secure servers. All electronic transactions you make to or receive from us will be encrypted using SSL technology.

In addition to this, we adhere to strict Data Protection policies within our office locations which includes the physical security of your data.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Who we may share your data with

On your behalf and during the course of providing quotations and services to you, we may approach the following: –

  • Insurance Companies
  • Reinsurers
  • Underwriting Agents
  • Other Insurance Intermediaries
  • Other Insurance Brokers or Agents
  • Surety/Bonding companies
  • Credit Providers
  • HMRC Sanctions
  • Credit Referencing Agencies
  • Claims Management Companies
  • Debt Recovery Agencies
  • Claim Management Companies
  • Uninsured Loss Recovery Agents
  • Auditors
  • External Consultants
  • Banks
  • Financial Transaction Processors
  • Crime and Fraud Prevention Agencies
  • Regulators

Data retention

When acting as a data controller and in accordance with recognised good practice within the insurance sector we will retain all of our records relating to you as follows:

  • where we have placed insurance for you, we will retain the records for a minimum of 7 years after the policy or our services to you end
  • where you have issued a complaint to us, we will retain the records for 7 years after the finalisation of your compliant
  • where you have provided services or products to us and the service agreement is no longer in force, we will retain all relevant records for 7 years from the date the business relationship ceased
  • where you have contacted us for a quotation but did not proceed with this, we will retain your records for 3 years

Your rights under the GDPR

Right to view the information which we hold

You may make a subject access request (SAR) at any time to find out more about the personal data which we hold about you. We will usually respond to SARs within one month of receipt (this can be extended by up to two months in the case of complex and/or numerous requests, and in such cases the data subject shall be informed of the need for the extension).

All subject access requests received must be forwarded to our Compliance Officer at the address given above or by emailing info@adlerinsurance.co.uk

We do not charge a fee for the handling of normal SARs. We do however reserve the right to charge reasonable fees for additional copies of information that has already been supplied to you, and for requests that are manifestly unfounded or excessive, particularly where such requests are repetitive.

Right to rectify inaccurate or incorrect information

If the information which we hold is inaccurate or incomplete, you may contact us using the details above stating which part(s) are incorrect and the relevant amendments. We will contact you to notify when the data has been rectified which we aim to complete within one month.

Right to have your data erased

You may contact us using the details above if you wish for your details to be deleted from our records. Please note that these requests are subject to our need to hold data for legal reasons. Where we believe we are unable to delete your details for these reasons, we will provide our decision and the rationale behind this within one month.

Right to withdraw your consent

Where you have consented to our processing of your personal data, you have the right to withdraw that consent at any time. Please inform us immediately if you wish to withdraw your consent.

Please note:

  • the withdrawal of consent does not affect the lawfulness of earlier processing
  • if you withdraw your consent, we may not be able to continue to provide services to you
  • even if you withdraw your consent, it may remain lawful for us to process your data on another legal basis (e.g. because we have a legal obligation to continue to process your data).

Complaints

If you have requested details of the information we hold about you and you are not happy with our response, or you think we have not complied with the GDPR or DPA 2018 in some other way, you can complain to us. Please send any complaints to the ‘Compliance Officer’ at the address above.

In addition, if you require further information regarding the GDPR legislation, you can contact the Information Commissioners Office (ICO) as follows: –

  • www.ico.org.uk
  • Telephone – 0303 123 1113

Cookies

Adler Insurance Group along with its subsidiary companies believes in protecting the personal information that you provide us with.

We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration. We may also use ‘cookies’ to monitor how people use our site.

A cookie is a piece of information that is stored on your computer’s hard drive which records how you have used a website. This means that when you go back to that website, it can give you tailored options based on the information it has stored about your last visit.

Most websites use cookies. They help us to understand how our customers and potential customers use our website so we can develop and improve the design, layout and function. We may, for example, use cookies to store registration information so that you do not have to provide it to us on subsequent visits.

If you do not want us to use cookies in your browser, you can normally set your browser to reject cookies or to tell you when a website tries to put a cookie on your computer. However, you may not be able to use some of the products or services on our website without cookies.

For information about how to disable cookies in your browser please visit the About Cookies website (link to aboutcookies.org).

Principles

We collect and process personal information from you at various stages throughout our website, for reasons including answering your enquiries, ensuring that content from our site is presented in the most effective manner for you and for your computer, to notify you about changes to our websites (including services and products), providing you with quotations, and carrying out our obligations from any contracts entered into between you and us. We also collect and process details of your visits to our site and the resources that you access.

At each stage, you will be able to see what information we ask from you, such as your name and contact details, and information relating to your specific enquiry. If you contact us otherwise than via our website, we may keep a record of that correspondence.

The information we collect about you is used solely for the purposes for which it was provided. We will only use it for additional purposes (such as marketing) if we have received your prior consent to do so.

The information you provide us with may be shared with employees throughout the Adler Insurance Group, in order to deal with your enquiry or request.

We will not share your information with any third parties other than when we are legally obliged to do so, such as for fraud prevention purposes.

It is entirely up to you as to whether or not you choose to provide us with any personal information. If you choose not to, we may not be able to assist you.

We will not sell your information to any third party, unless Adler Insurance Group or one of its Subsidiary Companies is sold itself.

When you enter personal details on our website, you will be entering these details within a secure environment.

We use SSL (Secure Socket Layer) encryption to protect the details you send us.

In most web browsers, a padlock symbol appears, indicating when you are in a secure environment. Also, the ‘http:’ at the beginning of the website address changes to ‘https:’ with the ‘s’ indicating that you are in a secure environment.

Under the Data Protection Act 1998 you have the right, for a fee, to ask us for a copy of the information we hold on you, and to have any inaccuracies corrected or removed.

To do this, please either contact us by email, telephone our marketing team on 0121 764 5500, or write to us at:

Adler Insurance Group
Prudent House
50 Yardley Road
Acocks Green
Birmingham
B27 6LG

We may disclose your personal information to third parties:

In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.

If Adler Insurance Group (or any of its subsidiary companies) or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.

If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Terms and Conditions (as defined below) and other agreements; or to protect the rights, property, or safety of Adler Insurance Group (or any of its subsidiary companies), our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

Data Storage

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff maybe engaged in, among other things, the provision of information you have requested. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Queries or Concerns

If you have any other concerns or queries, then we would be delighted to be able to help you. Simply contact us by one of the above options, and we shall endeavour to resolve your query as swiftly and efficiently as possible.

In addition to this privacy policy, we have a ‘Terms & Conditions’ policy relating to the usage of our website. This can be viewed by clicking on Terms & Conditions.

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.