Privacy Policy

Data Protection Act 2018 – Privacy Notice


Introduction
Bridle Insurance has always been careful to protect your privacy. We recognise and take seriously our responsibility to treat your
personal information with care and to comply with all relevant legislation, in particular the Data Protection Act 2018 and the EU General
Data Protection Regulation (GDPR) which we refer to as the “legislation” in this document. We will always treat your information with
the utmost respect. This notice demonstrates our ongoing commitment to transparency and our requirement to provide you with
information on how and why we use your personal data and of your rights under the legislation.


Data Controller
Where we have provided you with a quotation and/or administer your insurance policy, we are classed as the “data controller” which
means we process your data. The contact details are shown at the foot of this notice. Your data may be passed to other parties,
including Insurers, for the purposes of arranging your insurance. These parties could also be data controllers and where necessary will
issue their own Data Protection Privacy Notices.


What is Personal Information?
Personal information is information relating to an identified or identifiable natural person. Examples include an individual’s name, age,
date of birth, gender, contact details and national insurance number.
Personal information may contain information which is known as ‘special categories’ of data. This may be information relating to an
individual’s health, racial or ethnic origin, political opinions, data relating to criminal convictions and offences. We are allowed under the
legislation to collect such information for specified “insurance purposes” without your specific consent but it will only be used for the
purposes set out below.


Personal Information we collect
To allow us to provide you with our products and services we will collect and process personal data about you. We will collect this
information when you purchase our products, when you request information on our products and services, during customer events,
promotions and campaigns, when contacting us for technical assistance or for help navigating our website and help on using website
features.


We will use your personal information to:-

  • Provide you with a quotation from Insurers

  • Arrange and administer your policy if you buy one through us

  • Arrange Premium Finance/Consumer credit if required

  • Inform you about our products and services

  • Statistical analysis


If you give us information about another person, we will assume that they have given you permission to provide it to us and that we may
use their personal data in the same way as your own. To make sure we’re doing a good job and to protect you and us from fraud, we
may monitor and/or record your calls with us.


Lawful Basis for processing your Personal Information
We are required to have a lawful basis (as defined in the legislation) in order to process your personal data and the relevant bases
which we use are shown in the table below.


 

Purpose of processing

Lawful Basis

Providing quotations; arranging and administering insurance policies.

Necessary for the performance of an insurance contract.

Arranging Premium Finance/ Consumer Credit.

Necessary for the performance of a consumer credit contract.

Provision of information on products and services (Marketing).

Our legitimate interests or your explicit consent.

To notify you of changes in our service.

Our Legal and Regulatory obligations.

To prevent and detect fraud, money laundering and other financial crimes.

Our Legal and Regulatory obligations.

To meet general legal or regulatory obligations.

Our Legal and Regulatory obligations.

Statistical analysis.

Our legitimate interests - to refine and enhance the products and pricing which we can offer.

Marketing
We may contact you by email, text, telephone, mail or other agreed means to keep you up to date about our products and services.
The legislation allows us to do this in respect of our own commercial interests for certain communications with previous customers. In
other circumstances we can only do so with your explicit consent. In all cases you can opt out from receiving such communications at
any time by using the contact details below.


Disclosure of your Personal Information
As a necessary part of providing you with the services described above, we may need to disclose your personal data to other third
parties. These include: Premium Finance Companies, Computer bureaux/Software Houses, Insurers, other Insurance Intermediaries,
Insurance Industry Databases, Government Databases, Credit agencies, Regulatory Authorities and the Police/other law enforcement
bodies and this will be to assist with fraud prevention and detection.


Retention Period
Your data will not be retained for longer than is necessary and will be managed in accordance with our data retention policy. In most
cases the period will be for a maximum of 7 years following the expiry of an insurance contract unless we are required to retain the data
for a longer period due to business, legal or regulatory requirements.


International transfers of data
We may transfer your personal data to destinations outside the European Economic Area (EEA). Where we do we will ensure that it is
treated securely and in accordance with the legislation.


Your Rights
Under the legislation you have the following rights in relation to our processing of your personal data:-
1. The right to be informed about how we use your personal data (this Privacy Notice)
2. The right to see a copy of the personal information we hold about you. (In most cases this will be free of charge)
3. The right to have personal information rectified if inaccurate or incomplete
4. The right of erasure of your personal information where there is no compelling reason for its continued processing
5. The right to restrict processing in certain circumstances, e.g. if its accuracy is being contested
6. The right to data portability which, subject to certain conditions, allows you to obtain and reuse your personal data across
    different services
7. The right to object to certain processing including for the purposes of direct marketing
8. Rights to information in relation to automated decision making and profiling


Whether or not you exercise your new rights is up to you – the main thing to remember is that they’re there if you need them.


Complaints/Contact us
If you have a complaint about how we use your personal information please contact us at the address below. You also have the right to
lodge a complaint with the Information Commissioner’s office at any time on www.ico.org.uk/global/contact-us.
For further information on this Privacy Notice or any of our privacy practices, to access your personal information or to exercise any of
your other rights please visit our website www.bridleinsurance.co.uk or contact The Compliance & Training Manager, Bridle Insurance,
Tamarisk House, North Leigh Business Park, North Leigh, Witney, Oxon, OX29 6SW, telephone number 01993 772957 or at
tstoddart@bridleinsurance.co.uk

Bridle Insurance is a trading style of CFN Insurance Services Ltd who is authorised and regulated by the Financial Conduct Authority our registered office is: Jamesons House, Compton Way, Witney, Oxon, OX28 3AB. Registered in England No: 5132465.

You can check our FCA registration details by visiting www.fca.org.uk/register and entering our firm reference number 307818.

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