A Class Insurance Solutions Ltd Privacy Notice

A Class insurance Solutions Ltd is committed to protecting and respecting your privacy.

This privacy notice sets out how we collect and process your personal data. This privacy notice also provides certain information that is legally required and lists your rights in relation to your personal data. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting our website you are accepting and consenting to the practices described in this policy.

Data Controller

For the purpose of the Data Protection Act 2018 (DPA) and European General Data Protection Regulation (GDPR) the data controller is A Class Insurance Solutions Ltd 161 Mortimer Street Herne Bay Kent CT6 5HE. As a controller we use or process the personal data we hold about you in accordance with this privacy notice.

Our Privacy Officer is Mark Rundle who can be contacted by email at [email protected] or by post at the office above.

Information we may collect from you

We may collect and process the following data about you and information you give us:

  • Personal data you provide to us via our website and online form, by telephone, email or in person.
  • Information about you, such as your name, address, contact details and date of birth
  • Personal data you provide when you enquire about insurance or when you purchase a policy including insurance risk information.
  • Financial details such as your bank account and card details
  • Credit history and claims history
  • Criminal Convictions

Information about your use of our website such as your IP address, which is a unique number identifying your computer, including personal data gathered using cookies.

Some of the personal information we ask you to provide may be sensitive (special category data) such as criminal convictions, driving offences or medical history. We are allowed by legislation to collect such information for insurance purposes without specific consent but it will only be used for the purposes below.

We collect your personal data from you as a controller when we obtain quotes for insurance, when we set up your policy, renew your policy, administer or make changes to your policy. This may also involve the collection of data from or about others who are associated with you and your insurance policy such as other persons insured on your policies or your employees or representatives. By giving us information about someone else for the purpose of arranging insurance for them under your policy such as a named driver etc you confirm that you have their permission to do so and that you have shared this privacy notice with them.

We also collect information from publicly available sources and third-party databases made available to the insurance industry for the purposes of reducing fraud and financial crime as well as any other third-party databases where your personal data may be held, provided such third parties have lawful basis on which to share such personal data with us.

Legal basis for processing your personal data

We may rely on one or more of the following legal basis when processing your personal data for the following purposes:

Purpose of processing Lawful Basis
Providing Quotations, arranging, renewing and administering your insurance. The processing is necessary in connection with any contract you may enter into with us.
Arranging financial transactions such as Premium Finance The processing is necessary in connection with any contract you may enter into with us.
To prevent and detect fraud, money laundering and other financial crimes Our legal and regulatory obligations
To let you know about similar products, services and marketing. Our legitimate interests or your consent
Who we pass your personal data to

We may share your personal information with:

Our data processor Lead 2 Market Ltd for the purpose of contacting you by telephone, email or SMS to facilitate your request for an insurance quotation.

We may share your information with selected third parties including:

Business partners, suppliers, and sub contractors for the performance of any contract we enter into with them or you including without limitation any data processor we engage.

Analytics and search engine providers that assist us in the improvement and optimisation of our site this will be in the form of anonymised data.

We may need to pass your personal data to other companies which may include:

Insurers, intermediaries and third-party service providers that we use for the purpose of arranging and administering your insurance policy. This may also include premium finance providers, uninsured loss recovery companies and other third parties involved (directly or indirectly) in the administration of your insurance.

Companies that provide administration and processing services to us or on our behalf under contract such as IT/computer systems, administrative services and other activities set out in this privacy notice.

Credit reference agencies to check your credit history. This check will be recorded on your credit reference file without affecting your ability to apply for credit or other financial products.

Organisations such as statutory bodies, regulatory authorities, the Police and other law enforcement bodies.

Fraud prevention agencies and operators of registers available to the insurance industry to check information and prevent fraud.

The information you share with us may be transferred by us or any of the types of firms or organisations we have noted above, to other countries in order for processing to take place, including locations outside of the UK and the European Union. We will only do so if there are adequate levels of protection in place as required by applicable data protection laws.

Third Party Websites

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Your Rights

Under the DPA and GDPR you have a number of specific rights in relation to our processing of your personal data:

  1. The right to be informed about how we use personal data. This Privacy Statement explains who we are; the purposes for which we process personal data and our legitimate interests in so doing; the categories of data we process; third party disclosures; and details of any transfers of personal data outside the UK.
  2. The right of access to the personal data we hold. In most cases this will be free of charge and must be provided within one month of receipt. To obtain a copy of the personal information we hold on you please contact our privacy officer at [email protected]
  3. The right to rectification where data is inaccurate or incomplete. In such cases we shall make any amendments or additions within one month of your request.
  4. The right to erasure of personal data, but only in very specific circumstances, typically where the personal data is no longer necessary in relation to the purpose for which it was originally collected or processed; or, in certain cases where we have relied on consent to process the data, when that consent is withdrawn and there is no other legitimate reason for continuing to process that data; or when the individual objects to the processing and there is no overriding legitimate interest for continuing the processing.
  5. The right to restrict processing, for example while we are reviewing the accuracy or completeness of data, or deciding on whether any request for erasure is valid. In such cases we shall continue to store the data, but not further process it until such time as we have resolved the issue.
  6. The right to data portability which, subject to a number of qualifying conditions, allows individuals to obtain and reuse their personal data for their own purposes across different services.
  7. The right to object to certain processing including for the purpose of direct marketing.
  8. Rights in relation to automated decision making and profiling.

(Where we rely on your consent to use your personal information, you can withdraw that consent at any time. Where your consent is withdrawn, your previous consent will remain valid in respect of our use of your information prior to the date you withdrew it, or if any marketing material has been sent prior to you advising that you don’t want us to contact you again).

Your data will not be retained for longer than is necessary in order to comply with the requirements of your insurance contract (s) and any legal obligations or lawful processing conditions that may exist as a result. In most cases the period will be for 6 years. We aim to retain quote data for no longer than 18 months from the date of collection.

Please contact our Privacy Officer by email at [email protected] for more information about the GDPR and your rights under Data Protection law.

If you have a complaint relating to our processing of your data our supervisory authority for data protection compliance is the Information Commissioner’s Office (‘ICO’) (www.ico.org.uk):

Information Commissioner’s Office: Wycliffe House Water Lane Wilmslow Cheshire SK9 5AF

Marketing of other products and services

We may from time to time process your personal data to let you know about similar products and services that may be of interest to you. Our lawful basis for processing your personal data in this way is as is necessary to pursue the legitimate interests of our business, unless we have otherwise obtained your consent to do so. We may contact you by telephone, e-mail, SMS or post. You will be given the option to stop receiving any communications from us in this regard at any time however please note that this will not affect us contacting you about the service or products that you have specifically requested from us.

Our website and cookies

When you visit our website we may collect information from you, such as your email address, IP address and other online identifiers. This helps us to track unique visits and monitor patterns of customer website traffic, such as who visits and why they visit. We use third parties to collate IP addresses to help us understand our Internet traffic data and data regarding your browser type and computer. We may also use web usage information to create statistical data regarding the use of our website. We may then use or disclose that statistical data to others for marketing and strategic development purposes, but no individuals will be identified in such statistical data.

We may use cookies and/or pixel tags on some pages of our website. A cookie is a small text file sent to your computer. A pixel tag is an invisible tag placed on certain pages of our website, but not on your computer. Pixel tags usually work together with cookies to help us to give you a more tailored service. We also use cookies and pixel tags in our email communication to personalise the email and track whether the email has been opened and whether the recipient has used any website links contained in the email communication. This allows us to monitor and improve our email communications and website. Useful information about cookies, including how to remove them, can be found at http://allaboutcookies.org.

Internet browsers normally accept cookies by default, although it’s possible to set a browser to reject cookies. We’ll ask your permission before using any cookie that’s not essential to the email or the use of the website. However, refusing to accept cookies may restrict your use of our website and/or delay or affect the way in which our website operates. You can find more information on cookies when you visit our website.

Changes to our privacy policy

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy policy.

Last updated: 25/05/18

Data Controller

For the purpose of the Data Protection Act 2018 (DPA) and European General Data Protection Regulation (GDPR) the data controller is A Class Insurance Solutions Ltd 161 Mortimer Street Herne Bay Kent CT6 5HE. As a controller we use or process the personal data we hold about you in accordance with this privacy notice.

Our Privacy Officer is Mark Rundle who can be contacted by email at [email protected] or by post at the office above.

Information we may collect from you

We may collect and process the following data about you and information you give us:

  • Personal data you provide to us via our website and online form, by telephone, email or in person.
  • Information about you, such as your name, address, contact details and date of birth
  • Personal data you provide when you enquire about insurance or when you purchase a policy including insurance risk information.
  • Financial details such as your bank account and card details
  • Credit history and claims history
  • Criminal Convictions

Information about your use of our website such as your IP address, which is a unique number identifying your computer, including personal data gathered using cookies.

Some of the personal information we ask you to provide may be sensitive (special category data) such as criminal convictions, driving offences or medical history. We are allowed by legislation to collect such information for insurance purposes without specific consent but it will only be used for the purposes below.

We collect your personal data from you as a controller when we obtain quotes for insurance, when we set up your policy, renew your policy, administer or make changes to your policy. This may also involve the collection of data from or about others who are associated with you and your insurance policy such as other persons insured on your policies or your employees or representatives. By giving us information about someone else for the purpose of arranging insurance for them under your policy such as a named driver etc you confirm that you have their permission to do so and that you have shared this privacy notice with them.

We also collect information from publicly available sources and third-party databases made available to the insurance industry for the purposes of reducing fraud and financial crime as well as any other third-party databases where your personal data may be held, provided such third parties have lawful basis on which to share such personal data with us.

Legal basis for processing your personal data

We may rely on one or more of the following legal basis when processing your personal data for the following purposes:

Purpose of processing Lawful Basis
Providing Quotations, arranging, renewing and administering your insurance. The processing is necessary in connection with any contract you may enter into with us.
Arranging financial transactions such as Premium Finance The processing is necessary in connection with any contract you may enter into with us.
To prevent and detect fraud, money laundering and other financial crimes Our legal and regulatory obligations
To let you know about similar products, services and marketing. Our legitimate interests or your consent
Who we pass your personal data to

We may share your personal information with:

Our data processor Lead 2 Market Ltd for the purpose of contacting you by telephone, email or SMS to facilitate your request for an insurance quotation.

We may share your information with selected third parties including:

Business partners, suppliers, and sub contractors for the performance of any contract we enter into with them or you including without limitation any data processor we engage.

Analytics and search engine providers that assist us in the improvement and optimisation of our site this will be in the form of anonymised data.

We may need to pass your personal data to other companies which may include:

Insurers, intermediaries and third-party service providers that we use for the purpose of arranging and administering your insurance policy. This may also include premium finance providers, uninsured loss recovery companies and other third parties involved (directly or indirectly) in the administration of your insurance.

Companies that provide administration and processing services to us or on our behalf under contract such as IT/computer systems, administrative services and other activities set out in this privacy notice.

Credit reference agencies to check your credit history. This check will be recorded on your credit reference file without affecting your ability to apply for credit or other financial products.

Organisations such as statutory bodies, regulatory authorities, the Police and other law enforcement bodies.

Fraud prevention agencies and operators of registers available to the insurance industry to check information and prevent fraud.

The information you share with us may be transferred by us or any of the types of firms or organisations we have noted above, to other countries in order for processing to take place, including locations outside of the UK and the European Union. We will only do so if there are adequate levels of protection in place as required by applicable data protection laws.

Third Party Websites

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Your Rights

Under the DPA and GDPR you have a number of specific rights in relation to our processing of your personal data:

  1. The right to be informed about how we use personal data. This Privacy Statement explains who we are; the purposes for which we process personal data and our legitimate interests in so doing; the categories of data we process; third party disclosures; and details of any transfers of personal data outside the UK.
  2. The right of access to the personal data we hold. In most cases this will be free of charge and must be provided within one month of receipt. To obtain a copy of the personal information we hold on you please contact our privacy officer at [email protected]
  3. The right to rectification where data is inaccurate or incomplete. In such cases we shall make any amendments or additions within one month of your request.
  4. The right to erasure of personal data, but only in very specific circumstances, typically where the personal data is no longer necessary in relation to the purpose for which it was originally collected or processed; or, in certain cases where we have relied on consent to process the data, when that consent is withdrawn and there is no other legitimate reason for continuing to process that data; or when the individual objects to the processing and there is no overriding legitimate interest for continuing the processing.
  5. The right to restrict processing, for example while we are reviewing the accuracy or completeness of data, or deciding on whether any request for erasure is valid. In such cases we shall continue to store the data, but not further process it until such time as we have resolved the issue.
  6. The right to data portability which, subject to a number of qualifying conditions, allows individuals to obtain and reuse their personal data for their own purposes across different services.
  7. The right to object to certain processing including for the purpose of direct marketing.
  8. Rights in relation to automated decision making and profiling.

(Where we rely on your consent to use your personal information, you can withdraw that consent at any time. Where your consent is withdrawn, your previous consent will remain valid in respect of our use of your information prior to the date you withdrew it, or if any marketing material has been sent prior to you advising that you don’t want us to contact you again).

Your data will not be retained for longer than is necessary in order to comply with the requirements of your insurance contract (s) and any legal obligations or lawful processing conditions that may exist as a result. In most cases the period will be for 6 years. We aim to retain quote data for no longer than 18 months from the date of collection.

Please contact our Privacy Officer by email at [email protected] for more information about the GDPR and your rights under Data Protection law.

If you have a complaint relating to our processing of your data our supervisory authority for data protection compliance is the Information Commissioner’s Office (‘ICO’) (www.ico.org.uk):

Information Commissioner’s Office: Wycliffe House Water Lane Wilmslow Cheshire SK9 5AF

Marketing of other products and services

We may from time to time process your personal data to let you know about similar products and services that may be of interest to you. Our lawful basis for processing your personal data in this way is as is necessary to pursue the legitimate interests of our business, unless we have otherwise obtained your consent to do so. We may contact you by telephone, e-mail, SMS or post. You will be given the option to stop receiving any communications from us in this regard at any time however please note that this will not affect us contacting you about the service or products that you have specifically requested from us.

Our website and cookies

When you visit our website we may collect information from you, such as your email address, IP address and other online identifiers. This helps us to track unique visits and monitor patterns of customer website traffic, such as who visits and why they visit. We use third parties to collate IP addresses to help us understand our Internet traffic data and data regarding your browser type and computer. We may also use web usage information to create statistical data regarding the use of our website. We may then use or disclose that statistical data to others for marketing and strategic development purposes, but no individuals will be identified in such statistical data.

We may use cookies and/or pixel tags on some pages of our website. A cookie is a small text file sent to your computer. A pixel tag is an invisible tag placed on certain pages of our website, but not on your computer. Pixel tags usually work together with cookies to help us to give you a more tailored service. We also use cookies and pixel tags in our email communication to personalise the email and track whether the email has been opened and whether the recipient has used any website links contained in the email communication. This allows us to monitor and improve our email communications and website. Useful information about cookies, including how to remove them, can be found at http://allaboutcookies.org.

Internet browsers normally accept cookies by default, although it’s possible to set a browser to reject cookies. We’ll ask your permission before using any cookie that’s not essential to the email or the use of the website. However, refusing to accept cookies may restrict your use of our website and/or delay or affect the way in which our website operates. You can find more information on cookies when you visit our website.

Changes to our privacy policy

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy policy.

Last updated: 25/05/18