Privicy policy

Privacy principles -
RMK Insurance Consultants Limited are committed to protecting the privacy of anyone using this web site and the confidentiality of any information that you provide us with. The purpose of this statement is to set out how we use any personal information that we may obtain from you. This policy should be read in conjunction with our Terms of Business.

We are registered under the Data Protection Act and comply with the Act in all our dealings with your personal data.
We are authorised and regulated by the Financial Services Authority (number 303978) who impose their own obligations upon us in respect of the management and privacy of your personal information.

Personal data that may be collected and how we use it -
In general you can visit our website and may obtain a quotation and consequently you will be asked to provide certain information. This will include your contact details and sufficient information about your business such that we may validate your suitability for any insurance products we supply on behalf of insurers. We will store this data and hold it on computer or otherwise
We may use information that you provide:           
  
To register you with our website and to administer it.
For the recording of your personal details and quotation requests.
For the production of any insurance policies and associated documentation.
For the recording and management of any claims made.
For assessment and analysis, e.g. marketing, customer and product analysis, to enable us to review, develop and improve our services.
We will pass your personal information on to the relevant insurers for their assessment, confirmation and recording of your quotation requests and policy and claims history. These insurers may have their own procedures and policies in place in respect of the management of your personal information.
We may disclose personal information if required to do so by law or if we believe that such action is necessary to protect and defend the rights, property or personal security of ourselves, the site, its visitors, or the insurers and underwriters.
When making on-line payments by you to us using your debit or credit card, it will be the Insurer and not RMK who hold details of your debit/credit cards for transactions processed on behalf of this website.  If making payments by direct debit payment from your bank account it will be the Insurer that holds your bank account details and not RMK.
We may log your IP (Internet Protocol) address and the pages you visit on this site in order to facilitate the running of the service and for security purposes.

Whose products do we offer -
 
In respect of on-line quoted and traded policies, these are sold on a non-advised basis and RMK Insurance Consultants Ltd. only uses one specialist insurer for each type of insurance. In these instances, RMK Insurance Consultants Ltd. make no personal recommendation.
For all other insurance sales, RMK Insurance Consultants Ltd. offer products selected from a range of insurers for all types of general insurance products and therefore our service is based on a fair analysis of the market.

Cookies -
There is a technology called "cookies" which may be used by us to provide you with, for example, customised information from our website. A cookie is an element of data that a website can send to your browser which may then store it on your system. If you wish, you can usually adjust your browser so that your computer does not accept cookies, but note that if you disable cookies this may render certain parts of this site unavailable. Please note that the cookies we use do not contain confidential information such as your home address, telephone number or credit card details. We do not exchange cookies with any third party websites or external data suppliers.

External and third party website links -
This Website and/or emails we may send to you as part of our service may also contain hyper text links to Websites operated by third parties. The availability, operation and content of third party Websites shall be determined by the organisation which controls the Website and this will be governed by separate terms and conditions. Links are provided for convenience only and inclusion of any links should not be taken to imply endorsement in any way of the Website to which it links. We accept no responsibility or liability for the operation, the contents or the availability of any other Website. We are not liable for any loss or damage whatsoever that You may suffer by accessing or using any linked Website. If You decide to access any linked Website You do so entirely at Your own risk.

Software, documents and services available on this website –
In no event shall RMK Insurance Consultants Ltd. be liable for any special, indirect or consequential damages or any damages whatsoever resulting from loss of use, data or profits, whether in an action of contract, negligence or other tortuous action, arising out of or in connection with the use or performance of software, documents, provision of or failure to provide services, or information from this website.

Security –
We endeavour to take all reasonable steps to protect your personal information. However, we cannot guarantee the security of any data that you disclose on-line and we will not be responsible for any breach of security unless this is due to our negligence or wilful default.

Your rights -
You have the right to see personal data (as defined under the Data Protection Act) that we keep about you upon receipt of a written request and payment of a fee of £10. Any request should be sent to: The Data Controller - RMK Insurance Services Ltd., Suite 11, 351 London Road, Hadleigh, Essex SS7 2BT.

Are we covered by the Financial Services Compensation Scheme (FSCS)? –
We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.  The scheme covers 100% for compulsory insurances such as motor third party and employers liability and 90% of other general insurance, without any upper limit.  Further information about compensation scheme arrangements is available from the FSCS at: http://www.fscs.org.uk/ or by telephone on 020 7892 7300.
Terms of business: - Protecting your Money – To provide security for client money that we are authorised to hold on their behalf, it is held in a properly designated client bank account with an approved UK clearing bank. The money is held under a non-statutory trust set up in accordance with FSA requirements and enables us to provide credit to customers. No interest is payable to customers on any client money held by us.

What to do if you have a complaint –
It is our intention to provide a high level of service at all times. If, however, you have reason to make a complaint about our service you should contact the Managing Director in the first instance. Your complaint will be acknowledged within 5 business days. Within four weeks you will receive either a final response or an explanation of why the complaint is not yet resolved plus an indication of when a final response will be provided. Within eight weeks you will receive a final response or, if this is not possible, a reason for the delay plus an indication of when a final response will be provided. If compensation or redress is felt to be appropriate details of this will be provided. If it is felt that your complaint is not justified you will be provided with full reasons for this decision. After eight weeks, if you are not satisfied with the delay you may refer your complaint to the Financial Ombudsman Service. You can also refer to the Financial Ombudsman Service if you cannot settle your complaint with us. Further information is available from the FOS at: http://www.fos.org.uk/ or by telephone on 0845 080 1800. The Financial Ombudsman Service is only available to retail clients and those commercial clients with a turnover less than £1,000,000.

Policy changes -
We may amend this policy at any time, and all such changes will appear on this page.
If we make changes to the way we use your information, we will email you so that you may consent to our use of your information in the way proposed. Your continued use of the service will signify that you agree to any such changes

RMK Insurance Consultants Ltd. Regulatory Details
RMK Insurance Consultants Ltd, Suite 11, 351 London Road, Hadleigh, Essex SS7 2BT are authorized and regulated by the Financial Services Authority. Our FSA Register number is 303978. Our permitted business is arranging with a view to transactions in non-investment insurance contracts, arranging with a view to transactions in non-investment insurance contracts, advising on non-investment insurance contracts, dealing as an agent in non-investment insurance contracts and assisting in the administration and performance of non-investment insurance contracts. You can check this on the FSA Register by visiting the website www.fsa.gov.uk/register or by contracting the FSA on 0845 606 1234.

Copyright 2009© RMK Insurance Consultants Ltd. / Disclaimer
RMK Insurance Consultants Ltd. and (logo) are the trademarks of RMK Insurance Consultants Ltd. The copyright and images in this website belong to RMK Insurance Consultants Ltd or the images and content are used by RMK Insurance Consultants Ltd with the permission of the copyright owner.
You may download information for your own personal use but otherwise it may not be copied or reproduced except with our written permission. While we strive to ensure that the website is accurate we are not liable for any errors, omissions or misleading statements on these pages or any site to which these pages connect. Anything on this site is for information purposes only.

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