Privacy Policy
Europa Group Ltd has created this privacy policy to communicate our commitment
to the privacy of information provided to us by clients.
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 for www.bidirect.co.uk.
Our Information Practises
We collect, use and disclose the following categories of
information as follows.
Contact Information
When customers and prospective customers 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 details 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:
Information we hold
When clients take out a policy, we hold personal data about
them. This includes:
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Your name and address for correspondence
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Your date of birth
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Details of any previous claims and driving convictions
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Medical histories that are reportable to the DVLA
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Your occupation
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. This helps to detect people who break the law by not
taking out insurance and assists when dealing with claims. 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.
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.
Lists of participants are available on request. In dealing with your application
this register may be searched.
In the event of a claim, the information you have supplied and the claim form
together with other information relating to the claim, will be put on the
register and made available to participants.
Login Identification/Passwords
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.
Governing Law and Jurisdiction
Policies shall be interpreted under, governed by and construed in accordance
with the laws of England.
Data Protection
Business Insurance Direct 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 Business Insurance Direct to cover our
administrative costs in dealing with your request:
Data Protection Officer
Business Insurance Direct,
Europa House,
Midland Way,
Thornbury.
BS35 2BS
We will take all reasonable steps to confirm your identity before providing you
with details of any personal information we may hold about you.
Your Permission
When you provide us with your data it may be necessary for us to transfer it to
other companies within Europa Group Ltd or associated companies in order to
provide you with the information and quotations requested. We may also use this
information to inform you about other products and services which we feel may
be appropriate to you. 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.
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.
Telephone calls
Calls may be recorded and monitored.
Log Files
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.
Cookies
Cookies are small files created by web sites to identify users. Cookies may be
used by linked sites to manage each user interaction to ensure proper
identification of the user. If you choose to, you can set your web browser to
reject cookies from our service. However, rejecting cookies from our service
may prevent your use of our service.
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.
Exceptions
Except as described above, we will not otherwise
use or disclose any personally identifiable client information, except to the
extent reasonably necessary:
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To correct technical problems and to technically process
your information
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To protect the security and integrity of the web site and
our service
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To protect our rights and property and the rights and
property of others
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To take precautions against liability
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To respond to claims that your information violates the
rights or interests of third parties
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To the extent required by law or to respond to judicial
process or
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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.
General Information
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.
Security
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
If we decide to change our Privacy Policy, we will post those changes on our web
site so our users are always aware of what information we collect, use and
disclose. If at any point we decide to use or disclose information we have
collected in a manner different from that stated at the time it was collected,
we will notify our clients by way of e-mail.
Contact Information
If you have any questions about this privacy policy or the practices of this web
site please contact:
The Chief Executive,
Business Insurance Direct,
Europa House,
Midland Way,Thornbury.
BS35 2BS