Privacy Notice

This policy should be read in conjunction with our Terms of Business.

We are authorised and regulated by the Financial Conduct Authority (number 303978) who impose their own obligations upon us in respect of the management and privacy of your personal information.

In accordance with the General Data Protection Regulation and related UK data protection legislation, we are committed to protecting the confidentiality and security of the information that you provide to us.

This Privacy Notice is designed to help you understand how we collect and use your information.

We may collect information from you about other people, for example, family members who may drive your car or who may be included on a travel or household insurance policy. If you give us information about another person it is your responsibility to ensure and confirm that:
• you have told the individual who we are and how we use personal information, as set out in this Privacy Policy; and
• you have permission from the individual to provide that personal information to us and for us to use it, as set out in this Privacy Notice.

If you have any questions or queries about this policy please contact us.

Who we are
“RMK” (also referred to in this Notice as “we”, “us”, or “our”) means RMK Insurance Consultants Limited.

How to contact us:
For any questions or concerns relating to this Privacy Policy or our data protection practices, or to make a subject access or any other request regarding the information we hold, please contact us at:

RMK Insurance Consultants Limited
Suite 351 London Road
Hadleigh
Essex SS7 2BT

Tel: 01702 555560; email: [email protected]
Website: www.rmkinsurance.co.uk

Why we need and how we use your personal information
We only collect, use and store your information where we have lawful grounds and legitimate business reasons to do so.

We collect, use and store your personal information in order to fulfil requests for quotes, products and services as part our insurance broking, claims handling and risk management business. It may also be used to verify your identity, to administer payments and to enable us to carry out anti-money laundering and other financial crime checks where required. If you pay by instalments your information may also be used to arrange credit.

The use of your data is essential for us to check your identity, to enable you to enter into an insurance contract and for the insurance to operate (in the event of a claim, for example). We may also use it keep our records up to date, to notify you about changes to our service and to help us in develop new products and services.

If you do not provide the information required we are unlikely to be able to arrange your insurance and may not be able to provide certain services to you.

We may monitor calls, emails, text messages and other communications with you. When you contact us we may keep a record of that correspondence and any information provided to us during that or any subsequent communication.

Marketing
We would like to keep you updated about our relevant products and services by email, SMS and/or telephone. If we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes we will only do so with your consent. Your consent will be obtained specifically at the appropriate time.
If you have already consented and wish us to stop using your information for this purpose or any other purpose then please contact us.

Nature of personal information
Personal data is any information that may identify a living individual.
We collect personal information such as name, contact details, date of birth, gender, marital status, financial details, employment details and other personal details depending on the nature of the insurance and other services we offer.

We may collect, use and store sensitive personal information such as criminal convictions and medical conditions as necessary in relation to insurances such as motor, home, travel and health insurance. This information may be shared with insurers, insurance product providers and our third party service providers. Where necessary, we shall obtain your consent to the processing of such information.

Sharing information
We will only supply your personal information to other parties where such a transfer is a necessary part of the activities that we undertake, where you give us consent or where we are required to do so by law or regulation (e.g. where the disclosure is necessary for the purposes of the prevention and/or detection of crime).

As an intermediary we must disclose personal information to insurance companies, underwriting agencies, business partners and other parties in order to provide our products and services and to enable you to enter into insurance contracts. Examples of other parties include other insurance intermediaries, loss adjusters, regulatory bodies, legal and accountancy firms involved in the claims handling process. We may also share your personal information with fraud prevention agencies such as the Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud and Theft Register. We may pass information relating to your insurance policy and any incident to the operators of these registers, their agents and suppliers,
For motor insurance we share it with the Motor Insurance Database (MID) which may be used to establish whether a driver is insured to drive a vehicle and/or for preventing or detecting crime. If you are involved in an accident in the UK or abroad, the MID may be searched to obtain relevant policy information. You can find out more at www.mib.org.uk

We may also disclose your information to service providers engaged to perform services on our behalf. Such service providers are contractually restricted from using or disclosing the information we give them except as necessary to perform services on our behalf or to comply with legal requirements.

We only share your information if we are satisfied that our partners or suppliers have sufficient measures in place to protect your information in the same way that we do.

We may also disclose personal information to new owners of our business in the event that we are subject to a merger or acquisition. Disclosure may also be made to enable company audits, regulatory inspections or to investigate a complaint, suspicion of fraud or a security threat.

We never share your information outside our organisation for marketing purposes.

You understand that we may disclose the information you provide to relevant other parties for the purposes described in this Notice.

Transfer of personal data outside the UK
Certain personal information held on our Information Technology systems may be transferred across geographical borders in accordance with applicable law.
By providing us with your information, you consent to the collection, international transfer, storage, and processing of your information. These transfers are governed by European Union (EU) standard contractual clauses or equivalent data transfer agreements to protect the security and confidentiality of personal information.

How long we keep information about you
We will keep your information for as long as it is required to enable us to provide quotations, administer your insurances, offer renewal and respond to any claims or complaints (which may arise after the period of insurance has expired). This will usually be a minimum period of seven years or otherwise as determined by law or regulation. Once we decide that we no longer need your information it will be securely and confidentially destroyed.

Your data protection rights
You have certain legal rights under UK data protection law and regulations, summarised as follows:
• The right to be informed about our data processing activities, including through Privacy Notices such as this.
• The right of access to the personal information we hold about you. To request a copy of this information you must make a subject access request in writing to us.
• The right of rectification. You may ask us to correct any inaccurate or incomplete data within one month.
• The right to erasure and to restrict processing. You have the right to have your personal data erased and to prevent processing except where we have a legal obligation to process your personal information. You should bear in mind that by exercising this right you may hinder or prevent our ability to provide products and services.
• The right to data portability. On your request, we will provide you with your personal data in a structured format.
• The right to object. You have particular rights in relation to automated decision making and profiling to reduce the risk that a potentially damaging decision is taken without human intervention. You can object to your personal data being used for profiling, direct marketing or research purposes.
If you want to invoke any of these rights please write to us:
RMK Insurance Consultants Limited, Suite 11, 351 London Road, Hadleigh, Essex SS7 2BT or email: [email protected]

Withdrawal of consent
Where you have provided your specific consent to the use of personal data, you may withdraw that consent by contacting us:
RMK Insurance Consultants Limited
Suite 11, 351 London Road
Hadleigh, Essex SS7 2BT
or email: [email protected]

How to make a complaint
If you wish to make a complaint about how we hold or use your data, please contact us:
RMK Insurance Consultants Limited
Suite 11, 351 London Road
Hadleigh, Essex SS7 2BT
Telephone 01702 555560
or email: [email protected]
If you are dissatisfied with how we deal with your complaint, you may contact the Information Commissioner’s Office:
The Information Commissioner Wycliffe House Water Lane Wilmslow Cheshire, SK9 5AF; Phone: 08456 30 60 60 Website: www.ico.gov.uk

Information from other sources
We may use legal public sources such as the electoral roll and other third party sources such as credit reference agencies to obtain information about you, for example to verify your identity or check your credit history.
We also obtain information about you from credit reference agencies and similar third parties. Some personal information may be provided to us by third parties such as insurance companies, other insurance intermediaries and motor vehicle licensing authorities. In some cases you will have previously submitted your personal information to them and given them approval to pass this information on for certain purposes.

Such information will only be obtained from reputable sources which operate in accordance with the General Data Protection Regulation.

We only collect, use and store your information where we have lawful grounds and legitimate business reasons to do so.

We collect, use and store your personal information in order to fulfil requests for quotes, products and services as part our insurance broking, claims handling and risk management business. It may also be used to verify your identity, to administer payments and to enable us to carry out anti-money laundering and other financial crime checks where required. If you pay by instalments your information may also be used to arrange credit.

We and/or other parties may use your information for purposes such as statistical and trend research and analysis which may include computerised processes which profile you. Automatic profiling helps us understand, predict and forecast customer preferences and to improve the products and services we offer and to assess which products might be most suitable for you.

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 site links
Rmkinsurance.co.uk– our website does link to other websites on the internet such as hccint.com, sabacus.com, dtw.com, pia.com, Twitter, Facebook, Linkedin etc.
Content and Privacy Policies are the responsibility of their respective owners and it will be made clear to you when you are leaving our website when we are sending you to another.

Advertisers
We do not have any third party advertising on any of our websites.

IP Addresses & Login
We log information about visitors including your IP address, date and time visited, referring website, length of stay etc. This information is purely used for visitor analytics only and we do not store personal data along side this information.

Credit card transactions
It is our policy not to store any details of your credit card on our website. Some third party sites may request this information and use secure e-payment processes. This information is not passed back to RMK.

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.

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 Company Registration Number 2687525 (tel 01702 555560) is authorised and regulated by the Financial Conduct Authority. Our Registration number is 303978. We are permitted to arrange, advise on, deal as an agent of insurers and clients and assist in claims handling with respect to non-investment insurance policies. You can check this on the FCA’s Register by visiting the website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 (free phone).

Copyright 2009© RMK Insurance Consultants Ltd. / Disclaimer

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