We understand the nature of the information entrusted to us and acknowledge that maintenance of the privacy of such information is of the highest importance to our clients. The following describes our information gathering and dissemination practices.
Our Information Practices
We collect, use and disclose the following categories of information as follows.
When clients and prospective clients apply or enquire about our services, we ask them to provide us with contact details, for example name, address and email address. We use contact information to provide information regarding our services to clients and prospective clients and to maintain a record of enquiries. We may send clients and prospective clients email messages using company contact information in the following circumstances:
- To issue quotations
- To notify clients and prospective clients of service promotions
- To process insurance applications including the completion of forms for you to sign and then for onward submission to insurance companies
Information we hold
When clients take out a policy, we hold personal data about them. This includes:
- Your name and address for correspondence
- Your date of birth
- Details of any previous claims and policies
- Medical histories and lifestyle information
- Your occupation and salary
- Your bank account details
We will use the information we hold to administer your policy, process your claims and, to detect and prevent fraud as appropriate. We may give out information to third parties
- As necessary administration of your plan
- To help detect and prevent fraud or improper claims
All insurers supply details of policies to databases, which the police and other insurers have access to. We will only use and disclose information we have about you in the normal course of arranging and administering your insurance. We may also use this information to inform you about other products and services which we feel may be appropriate to you.
Lists of participants are available on request. In dealing with your application this register may be searched.
Insurers and their agents may share information with each other to prevent fraudulent claims and to assess whether to offer insurance (including privacy terms), via the Claims and Underwriting Exchange Register operated by Insurance Database Services Ltd.
Parts of our service may require users to provide us with login identification and a password, which will be used to verify your identity and for our internal use in maintaining your customer account.
Security warning: In such instances you will be provided with a password in order to protect your personal information. You must keep this password safe and must not disclose it to anyone. You will need your password to retrieve your personal information. Please inform us as soon as possible if you think that someone else knows your password or you think that someone else is trying to access your details. We do not accept any responsibility or liability if a third party obtains or guesses your password and uses it.
Duty of Disclosure
We will provide you with a quotation based on the information you provide to us. It is essential that all information and answers you give are true and accurate as undisclosed information could invalidate any insurance subsequently arranged. This could lead to claims not being met.
If you are in any doubt as to the relevance or accuracy of the information you provide, you must discuss this with one of our operators.
We strive to give a first class service. If you are not satisfied, we would like to know and to do all we can to correct the position. Initially please contact your our team who will endeavour to resolve matters to your satisfaction. If you are still unhappy please contact the Managing Director who will investigate and do his best to settle the issue for you - Managing Director Assured Futures Limited, Ellenborough House, Wellington Street, Cheltenham, GL50 1AP.
If after this, you feel the complaint remains unresolved, you may be entitled to refer it to the Financial Ombudsman Service.
Governing Law and Jurisdiction
Policies shall be interpreted under, governed by and construed in accordance with the laws of England.
Assured Futures Limited is licensed by the Information Commissioner as a data processor and controller. We adhere to the principles of the Data Protection Act and will use any available data solely for the purpose intended.
You also have the right to request a copy of all the personal information we hold about you. To do this, simply write to us at the following address enclosing a cheque for £10.00 payable to Assured Futures Limited to cover our administrative costs in dealing with your request:-
Data Protection Officer
Assured Futures Limited
We will take all reasonable steps to confirm your identity before providing you with details of any personal information we may hold about you.
When you provide us with your data it may be necessary for us to transfer it to associated companies in order to provide you with the information and quotations requested. By providing us with your personal data you are agreeing to us using it in this way, however, we will take steps to ensure that your privacy rights are respected.
You consent to us passing on data to third parties in the event of the sale of all or part of Assured Futures Limited.
Records and Documents
We treat all client records as confidential.
Personal information, including information of a sensitive nature, provided by clients may be retained on manual and/or computer records and/or by other means and will not be disclosed to other parties except to our Auditors and any other organisation allowed access under Statue or exercising their legal entitlement to such access. You are entitled to a copy of such information and where appropriate to have such data corrected or erased.
You acknowledge that you are solely responsible for all sections of forms completely and accurately. The company is not liable for any loss or damage suffered by you in the event of loss or damage arising from such inaccurate disclosure by you. In addition if you discover that any information disclosed by you is inacurate please contact firstname.lastname@example.org
Calls may be recorded and monitored.
We gather user IP addresses when clients and their employees use our service and web site. We use IP addresses to help diagnose possible service interruptions and administer our service and web site. We also use IP addresses to analyse trends, administer the site, track user's movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.
Visitors to our websites
When someone visits our site we collect standard internet log information and details of visitor behaviour patterns. We do this to find out things such as the number of visitors to the various parts of the site. We collect this information in a way which does not identify anyone. We will not associate any data gathered from this site with any personally identifying information from any source. We will make it clear when we collect personal information and will explain what we intend to do with it.
Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.
Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org.
To opt out of being tracked by Google Analytics across all websites visit tools.google.com/dlpage/gaoptout.
Service Activity Logging
Our application has the capability to monitor your actions while using our service. We use this information to understand the use of our services, to diagnose problems and enhance the features and functionality of our service.
Except as described above, we will not otherwise use or disclose any personally identifiable client information, except to the extent reasonably necessary: -
- To correct technical problems and to technically process your information
- To protect the security and integrity of the web site and our service
- To protect our rights and property and the rights and property of others
- To take precautions against liability
- To respond to claims that your information violates the rights or interests of third parties
- To the extent required by law or to respond to judicial process or
- To the extent permitted under other provisions of law, to provide information to law enforcement agencies or for an investigation on a matter related to public safety, as applicable
You understand and agree that technical processing of your information is and may be required (a) to send and receive messages in your use of the Service; (b) to conform to the technical requirements of connecting networks; (c) to conform to the limitations of our Service; and (d) to conform to other, similar technical requirements.
Links to Other Web sites
Our web site contains links to other web sites. We are not responsible for the privacy practices or the content of other Web Sites.
Our web site uses firewall technology as a standard Internet security measure to prevent the loss, misuse and alteration of the information under our control. Our web servers are located in a high security and high availability co-location facility professionally managed by a third party. The servers that we store personally identifiable information on are kept in a secure environment.
This website takes every precaution to protect our users' information. When users submit sensitive information via the website, your information is protected both online and off-line.
We do everything in our power to protect user-information off-line. Only employees who need the information to perform a specific task are granted access to personally identifiable information.
Notification Of Changes
Data Protection Officer
Assured Futures Limited