| Houlder Insurance Services Ltd - Privacy Policy |
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| 1. PRIVACY STATEMENT |
| 1.1 Houldergroup.com recognises your right to privacy and respects the privacy of every individual visiting the Website. This notice describes our Privacy Policy. |
| 1.2 This Privacy Policy explains generally how we use the information we collect about you and what security measures we have put in place to protect your information. Before you submit any information to us you should read this Privacy Policy. |
| 1.3 By submitting information about yourself and others within the Website, you and they consent to its use as set out in this Privacy Policy. |
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| 2. CONTROLLERS OF PERSONAL INFORMATION |
| Any personal information provided or to be gathered by Houldergroup.com is controlled by Houlder Insurance Services Ltd of Cutlers Exchange, 123 Houndsditch, London EC3A 7PQ. |
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| 3. THE INFORMATION WE COLLECT AND HOW WE USE IT |
| 3.1 Use of Personal Information |
| 3.1.1 The information we obtain from customers helps us personalise and continually improve your experience whilst using the Website. We use the information to handle orders and services that might be of interest to you. We also use this information to improve our platform, prevent or detect fraud or abuses of our Web site and enable third parties to carry out technical, logistical, or other functions on our behalf. |
| 3.1.2 More specifically, within the Website we may ask you to provide us with relevant personal information in order that we can provide you with (including but not limited to) the following: |
| 3.1.2.1 The ability to use the functions or features of the Website |
| 3.1.2.2 Fulfilling an order placed through the Website by you |
| 3.1.2.3 The placement of insurance for you |
| 3.1.2.4 A response to any query or feedback submitted by you |
| 3.1.2.5 Specific information requested by you |
| 3.1.2.6 Information with regard to products or services offered which may interest you |
| 3.1.3 We receive and store any information you enter on our Website or give us in any other way. You can choose not to provide certain information but then you might not be able to conclude the placement of your insurance through us. |
| 3.1.4 To help us make e-mails more useful and interesting, we often receive a confirmation when you open an e-mail from us if your computer supports such capabilities. We also compare our customer list to lists received from other sources in an effort to avoid sending unnecessary messages to our customers. If you do not want to receive e-mail or other mail from us please adjust your Customer Communication Preferences. |
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| 3.2 Sensitive Information |
| 3.2.1 We are required by law to advise you that occasionally the selections you make when using our services may indicate information about you that you may regard as sensitive such as your date of birth. |
| 3.2.2 We will only use such personal information: |
| 3.2.2.1 to provide you with an estimate or quote for our policies; |
| 3.2.2.2 to administrate or otherwise carry out our obligations in relation to any agreement you have with us. |
| 3.2.3 Where such sensitive information relates to anyone other than you, you must obtain the explicit consent of the person to whom it relates as to its disclosure to us and its use by us. |
| 3.2.4 As with all personal information, you can be assured that any sensitive information you choose to supply us will only be used in accordance with the Privacy Policy. |
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| 3.3 Information about our customers is a vital part of our business and we are not in the business of selling it to others. The personal information supplied by you will be treated in confidence by us. We will share your personal information only as described below and with Houlder Insurance Services Ltd and its subsidiaries, controls that are either subject to this Privacy Policy or follow practices at least as protective as those described in this Privacy Policy. |
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| 3.4 Our Underwriters |
| We work closely with our underwriters. It is likely that we may provide additional services with or on behalf of these businesses. You can tell from your transactions when this is the case and we may share customer information related to those transactions with that third party. |
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| 3.5 Our Agents |
| We employ other companies and individuals to perform functions on our behalf. Examples include the routine management of our IT network, Web site maintenance and software upgrades. They have access to personal information needed to perform their functions, but may not use it for other purposes. Furthermore, they must process the personal information in accordance with this Privacy Policy and as permitted by the UK’s Data Protection Act. |
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| 3.6 Permitted Disclosures |
| We release account and other personal information when we believe release is appropriate to comply with law, to enforce or apply our conditions of use and other agreements or to protect the rights, property or safety of Houlder.group, our users or others. This includes exchanging information with other companies and organisations for fraud protection and credit risk reduction. Obviously, however, this does not include selling, renting, sharing or otherwise disclosing personally identifiable information from customers for commercial purposes in a way that is contrary to the commitments made in this Privacy Policy |
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| 3.7 Your Consent |
| 3.7.1 Other than as set out above, you will receive notice when information about you might go to third parties and you will have the opportunity to choose not to share the information. |
| 3.7.2 The internet is a global medium and your personal information may therefore be transferred outside the European Economic area en route. By submitting your information you consent to such transfer. |
| 3.7.3 Whenever we transfer personal information to countries outside of the European Economic area in the course of sharing information as set out above, we will ensure that the information is transferred in accordance with this Privacy Policy and as permitted by the UK’s Data Protection Act. |
| 3.7.4 You cannot choose to ignore provide information relevant to underwriting the risk. Failure to comply will result in you being unable to proceed using this method of interaction to secure insurance. |
| 3.7.5 If you do not want to receive e-mail or other mail from us, please adjust your Customer Communication Preferences. |
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| 4. HOW WE PROTECT YOUR PERSONAL INFORMATION |
| 4.1 The internet is not a secure medium. However, we have put in place various security procedures which we set out below. |
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| 4.2 Security Software |
| 4.2.1 Firewalls are used to block unauthorised traffic to the servers and the actual servers are locked in a secure location, which can only be accessed by authorised personnel. We capture your personal information over a secure link using recognised industry standard Secure Socket Layer (SSL) technology which encrypts the data whilst passing it over the web. |
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| 4.3 Card Details |
| 4.3.1 We reveal only the last five digits of your credit card numbers when confirming an order. Of course we transmit the entire credit card number to the appropriate credit card company during order processing. |
| 4.3.2 We maintain physical, electronic and procedural safeguards in connection with the collection, storage and disclosure of personally identifiable customer information. Our security procedures mean that we may occasionally request proof of identity before we disclose personal information to you. |
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| 4.4 Your password |
| It is important for you to protect against unauthorised access to your computer. You must ensure that you do not disclose you password to anyone. You must also make sure that you correctly sign off when you finish using a shared computer. |
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| 5. WHAT INFORMATION CAN I ACCESS? |
| We give you access to a broad range of information about your account and your interactions with us. This list will change as our Website evolves. |
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| 6. UPDATING YOUR DETAILS |
| 6.1 If any of the personal information you have submitted to us changes for example you have changed your email address, name or payment details then you can add or update your information on pages such as those listed in the “What Information Can I Access?” section above. |
| 6.2 When you update information, we usually keep a copy of the previous version for our records. |
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| 7. IP ADDRESSES |
| 7.1 When you visit our Website certain information will be logged automatically so that the server can recognise your IP address (the unique address which identifies your computer on the internet). IP addresses are used to administer, monitor and analyse the Website and may be used to collect general demographic information. Individual users are not identified and the IP addresses are not linked to personal information relating to you. This Website does not use cookies for research or any other such purpose. |
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| 8. TRANSFER OF WEBSITE |
| As we continue to develop our business, we might sell or buy books of business, subsidiaries or business units. In such transactions customer information generally is one of the transferred business assets but remains subject to the promises made in any pre-existing Privacy Policy (unless, of course, you consent otherwise). In the event that Houlder Insurance Services Ltd or substantially all of its assets are sold or integrated with another business, customer information will of course be one of the transferred assets and your details may be disclosed to our advisers and any prospective purchasers and their advisers and will subsequently be passed on to the new owners of the business. |
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| 9. REVISIONS TO THE PRIVACY POLICY |
| 9.1 Our business changes constantly and in this regard we reserve the right without notice to revise the contents of this Privacy Policy. |
| 9.2 We may e-mail periodic reminders of our notices and conditions, unless you have instructed us not to, but you should check our Web site frequently to see recent changes. Any change to the Privacy Policy and/or Conditions of Use will take affect once available on our Website. Your continued use of the Website will signify that you agree to be bound by the revised Privacy Policy. |
| 9.3 Unless stated otherwise, our current Privacy Policy applies to all personal information that we hold. |
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| 10. YOUR COMMENTS |
| We welcome your views about our Website and our Privacy Policy. If you would like to contact us with any queries please send an email to feedback@houlder.co.uk. |
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| 11. GENERAL |
| If you choose to visit Houldergroup.com, your visit and any dispute over privacy is subject to this Privacy Policy and our conditions of use, including limitations on damages and application of the laws of England. |
