The Channel Managing Agency Limited (“we”, “us” or “our”) are a data controller and therefore we are responsible for, and control the processing of, your “personal data” in accordance with the General Data Protection Regulation and Data Protection Act 2018 (“GDPR”/ “the Act”). “Personal data” means any information relating to an identified or identifiable natural (living) person.
We are a company registered in England and Wales under company number 08614385 whose registered office is at 10 Lime Street, London, EC3M 7AA. We can be contacted via our Data Protection Officer on the contact details below.
The information we collect
When you visit our website, make an enquiry or register with us we collect some basic information such as your, name, contact details, IP address and internet service provider's domain name, which pages you accessed on our site, and when.
In addition, we may receive information about you from other sources including the following:
- you and /or your family members;
- your representatives and / or employers;
- credit reference agencies;
- other insurance market participants including our agents, insurers, reinsurers;
- government agencies; and
- any other parties to any claim.
For the purpose of offering and/ or placing contracts of insurance and/ or processing claims under a policy of insurance. The information we collect includes:
- your personal details (name, gender, marital status, date of birth, nationality);
- contact details (address, email, phone number);
- employment details (employer, job title, employment history)
- risk details to enable us to assess your risk and provide a quote;
- policy information including quotes you receive and policies you have previously taken out;
- identification numbers (national insurance number, passport number, drivers license)
- financial details (bank account, payment card, income, assets owned)
- the quotes you receive and the policies you purchase
- credit and anti-fraud data (credit history, credit score, anti-fraud databases)
- details of previous and current claims (including other unrelated insurances)
Dependent on the type of insurance, we may also need to obtain special category data from you in order to assess the risk to be insured for example, details of your health when purchasing a health insurance or critical illness policy or making a claim following an accident.
If you give us information on behalf of a third party, you confirm that the third party has appointed you to act on his/her/their behalf and has agreed that you can:
- give consent on his/her/their behalf to the processing of his/her/their Information (if applicable);
- receive on his/her/their behalf any data protection notices; and
- give consent to the transfer of his/her/their Information abroad (if applicable).
How we use your personal data collected
In accordance with the GDPR/ the Act, we may only process your personal data if we have a “legal basis” (i.e. a legally permitted reason) for doing so. For the purposes of this Policy, our legal basis for processing your personal data is set out in the table below:
Why we will process your Information
The legal basis for which is...
To investigate and respond to any enquiries
This processing is necessary for the legitimate interests we pursue in responding to enquiries, subject to you raising an objection, requiring us to check that our interest is not overridden by any risk to your rights and freedoms.
Where an enquiry relates to and/ or leads to a contract between you and us processing may be necessary for the performance of a contract.
To analyse how visitors are using our website and to help guide improvements
This processing is necessary for the legitimate interests we pursue in improving our website, subject to you raising an objection, requiring us to check that our interest is not overridden by any risk to your rights and freedoms.
To collect data about candidates for the purpose of matching them to employment opportunities at The Channel Managing Agency Ltd.
This processing is necessary for the legitimate interests we pursue in locating suitable candidates for job openings, subject to you raising an objection, requiring us to check that our interest is not overridden by any risk to your rights and freedoms.
To arrange, underwrite and administer your contract of insurance, including understanding your insurance needs to offer you appropriate and competitively priced policy, amending your policy etc
This processing is necessary for the performance of a contract of insurance between us and information is processed to enable us to provide services to our policyholders.
This processing is also necessary for the legitimate interests we pursue in ensuring that the policyholder is within our acceptable risk profile, to offer and incept contracts of insurance and to collect any monies due to us, subject to you raising an objection, requiring us to check that our interest is not overridden by any risk to your rights and freedoms.
To process any insurance claim under your policy
This processing is necessary for the performance of a contract of insurance between us and information is processed to enable us to provide services to our users.
Outside of such, this processing is necessary for the legitimate interests we pursue in defending or advancing a claim, subject to you raising an objection, requiring us to check that our interest is not overridden by any risk to your rights and freedoms.
Outside of such, and where a claim becomes litigated this processing may be necessary to comply with our legal obligations.
To contact you to renew your policy of insurance.
This processing is necessary for the legitimate interests we pursue retaining your business through an offer of renewal, subject to you raising an objection, requiring us to check that our interest is not overridden by any risk to your rights and freedoms
To contact you for marketing purposes.
This processing is necessary for the legitimate interest we pursue in marketing other products and services or the products and service of selected third parties, subject to you raising an objection, requiring us to check that our interest is not overridden by any risk to your rights. (See the marketing sections below for further details.)
To comply with our legal obligations, including identity and other verification checks in relation to Anti-Money Laundering and Counter-Terrorist Finance regulations.
This processing is necessary to comply with our legal obligations.
In accordance with the Act, we are able process your special category data (i.e. details of your health) and criminal convictions where it is necessary for an insurance purpose (including advising on, arranging, underwriting or administering a contract of insurance and/ administering a claim under a contract of insurance) provided we have established a legal basis for doing so. We will rely on the above legal basis for the above purposes.
It is important that we keep your personal data accurate and up to date and so we ask you to provide accurate information and inform us of any changes.
Cookies and Google Analytics
Cookies and Google Analytics are used to collect and analyse non-personal information.
Cookies are small files which are stored on a user's computer. They are designed to hold a modest amount of data specific to a particular user and website. This allows the server to deliver a page tailored to a particular user, or the page itself can contain some script which is aware of the data in the cookie and so is able to carry information from one visit to the website (or related site) to the next. Google Analytics is a service that generates detailed statistics about a website's traffic and traffic sources and measures conversions and sales.
Opt-out of cookies on this website
Links to other websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
How long we keep hold of your personal data
We will review the maintenance of your information in line with our data protection policy – with a view to safely deleting any relevant information.
We will retain your information for as long as is necessary to fulfill any of the services we provide or to comply with applicable legislation, regulatory requests and relevant orders from competent courts.
Your rights in relation to the personal data we hold
This section sets out the legal rights of individuals in respect of the personal data we are holding and/or processing. If you wish to exercise any of your legal rights you should put your request in writing to us (using our contact details below) giving us enough information to identify you and respond to your request.
You have the right to request access to information about your personal data that we may hold and/or process and to have any inaccurate information we hold about you corrected and/or updated.
In certain circumstances you have the right to ask for data we hold about you to be deleted, e.g. where the data is no longer needed for the above purposes. You can also object to or seek to restrict our processing of the relevant information in similar circumstances. If you seek to exercise a right under the relevant law and we consider an exemption is applicable (or the relevant right is not exercisable), we will explain this to you in as clear a way as we can.
Keeping your personal data secure
We will use technical and organisational measures in accordance with good industry practice to safeguard your Information.
While we will use all reasonable efforts to safeguard your Information, you acknowledge that the use of the internet is not entirely secure and for this reason we cannot guarantee the security or integrity of any Information that is transferred from or to you via our website.
From time to time we may share information within the SCOR Group.
In addition, we may share your details with third party processors or controllers in order to effectively provide our services to you. These include:
- External claims handlers
- Legal counsel (solicitors, barristers)
- Loss adjusters
- Insurance and re-insurance providers
- Insurance brokers
- Our suppliers and sub-contractors for the performance of any contract we have with them
- To any prospective buyer or seller (and their representative) in the event that we sell or buy a business or asset.
We may also share your information where we are obliged, or permitted, to do so by applicable law, regulation or legal process.
From time to time we may need to transfer your Information, or store your information, in countries outside the European Economic Area, which comprises the EU member states plus Norway, Iceland and Liechtenstein (“EEA”).
If we do transfer your Information to countries outside the EEA we will take reasonable steps in accordance with applicable Privacy and Data Protection Requirements to ensure adequate protections are in place to ensure the security of your Information.
By submitting your Information to us in accordance with this Policy you consent to these transfers for the purposes specified in this Policy.
For the purposes of the GDPR and Act we have a legitimate interest in processing your personal data (name and contact details) for marketing communications. Under separate regulations covering electronic marketing we may require your permission. For example, where we are marketing products and services to you as an individual, not to your business.
Where you have previously ordered products or services from us, unless you have told us not to, we may contact you by telephone, email or post about similar or related products, services, promotions and special offers that may be of interest to you.
In addition, with your permission, we may contact you by telephone, email or post to provide information in relation to other products, services, promotions, special offers and other information we think may be of interest to you.
Further, with your permission, we may share your details with others within our group, and other carefully selected third parties and they may contact you directly (unless you ask them not to) by telephone, email or post about products, services, promotions and special offers that may be of interest to you.
You have the right at any time to ask us, or any third party, to stop processing your information for direct marketing purposes. If you wish to exercise this right please follow the unsubscribe link on the communications or contact us on the below details, or the relevant third party, giving us or them enough information to identify you and process your request.
If you have any concerns about how we collect or process your personal data then you can complain to email@example.com in the first instance.
You also have the right to lodge a complaint with a supervisory authority, which for the UK is the UK Information Commissioner’s Office (“ICO”). Complaints can be submitted to the ICO through the ICO helpline by calling 0303 123 1113. Further information about reporting concerns to the ICO is available at https://ico.org.uk/concerns/
Should you have any questions or comments about this policy please contact:
The Data Protection Officer
The Channel Managing Agency Limited
10 Lime Street, London, EC3M 7AA