Privacy Policy & Legal Disclaimer

Important information and who we are

Welcome to Flag Insurance Brokers Limited's privacy notice.
Flag Insurance Brokers Limited respects your privacy and is committed to protecting your personal data. This privacy notice tells you how we look after your personal data, your privacy rights and how the law protects you.

Purpose of this privacy notice
This privacy notice aims to give you information about how Flag Insurance Brokers collects and processes your personal data. The types of personal data we collect are listed in section 2 below.

It is important that you read this privacy notice together with any other privacy notice or fair processing notice we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data. This privacy notice supplements the other notices and is not intended to override them.

Controller
Flag Insurance Brokers Ltd is the controller and responsible for your personal data (collectively referred to as "we", "us" or "our" in this privacy notice).

We have appointed a data protection officer (DPO) who is responsible for overseeing questions in relation to this privacy notice. If you have any questions about this privacy notice, including any requests to exercise any of the legal rights detailed in section 9 below, please contact the DPO using the details set out below.

Contact details
Our full details are: Flag Insurance Brokers Ltd, Registered in England & Wales No. 05801781. Flag Insurance Brokers Ltd is authorised and Regulated by the Financial Conduct Authority (FCA) Registered No. 473756.

Name or title of DPO: Tom Quick

Email address; mail@forhireinsurance.co.uk

Postal address: 1 Rectory Row, Easthampstead, Bracknell, Berkshire RG12 7BN

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.

Third-party links
Our website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.

Section 2

The data we collect about you
Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together follows:

(a)       Identity Data includes first name, maiden name, last name, marital status, title, date of birth.
(b)       Contact Data includes billing address, delivery address, email address and telephone numbers.
(c)       Financial Data includes bank account and payment card details.\
(d)       Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us.
(e)       Usage Data includes information about how you use our website.
(f)       Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication
preferences.
(g)       Policy Data includes information on quotes, your current policy as well as lapsed and cancelled policies you might have had with us.
(h)       Claims Data includes information about none fault and fault claims you have made with us and other insurers.

We do not intentionally collect the following Special Categories of Personal Data about you: details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership and information about genetic and biometric data. However, we may be able to infer from information that you provide to us (such as photographic evidence, relationship details and geolocation), certain special types of personal data.

We do collect details about your vehicle, health and criminal convictions for the purposes of calculating the risk of providing you with insurance (and insuring the vehicle).

If you fail to provide personal data
Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with goods or services). In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time.

Section 3

How is your personal data collected?
We use different methods to collect data from and about you including through:

•        Direct interactions. You may give us your Identity, Contact and Financial Data by filling in forms or by corresponding with us by post, phone,
email or otherwise. This includes personal data you provide when you:
•        apply for our products;
•        request marketing to be sent to you; or
•        give us some feedback or submit messages to us. 
•        Third parties or publicly available sources. We may receive personal data about you from various third parties and public sources as set out below:

  • a)         Insurance Brokers/Financial advisers

  • b)         Card associations

  • c)         Credit reference agencies

  • d)         Insurers

  • e)         Social networks

  • f)          Fraud prevention agencies

  • g)         Payroll service providers

  • h)         Public information sources such as Companies House

  • i)          Agents working on our behalf

  • j)          Government and law enforcement agencies.

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:
•        Where we need to perform the contract we are about to enter into or have entered into with you.
•        Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those
interests.
•        Where we need to comply with a legal or regulatory obligation.

Generally we do not rely on consent as a legal basis for processing your personal data other than in relation to sending third party direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us.

Purposes for which we will use your personal data
We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.

Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.

Table 2.jpg

To market to you and make suggestions and recommendations to you about goods or services that may be of interest to you
(a) Identity

(b) Contact

(c) Technical

(d) Usage

(e) Profile

Necessary for our legitimate interests (to develop our products and grow our business)

To contact you via email, SMS and phone regarding outstanding documentation and to inform you of our office opening times over holiday periods etc. and about your renewals as required by the FCA

(a) Identity

(b) Contact

(e) Marketing and Communications

 (a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise)

(b) Necessary to comply with a legal obligation

How we use your information to make automated decisions

Flag Insurance Brokers Ltd do not carry out any automated decision making or profiling.

Automated decision making is carried out at quote stage by our distributor Granite Underwriting Limited, however they are the Data Controller for this process and as such any queries relating to this data processing should be redirected to the Granite Underwriting Limited Data Protection Officer at dataprotection@acorninsure.com

Marketing
We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising.
We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you.
This is how we decide which products, services and offers may be relevant for you (we call this marketing).
You will receive marketing communications from us if you have requested information from us or purchased a policy from us and, in each case, you have opted into receiving that marketing.
We will get your express opt-in consent before we share your personal data with any company outside our group of companies for marketing purposes.

Opting out
You can ask us to stop sending you marketing messages at any time by contacting our customer services team at mail@forhireinsurance.co.uk

Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of a product purchase, warranty registration, product experience or other transactions.

Cookies
(a)     What they comprise
Our website uses cookies to distinguish you from other users of our website.  This helps us to provide you with a good experience when you browse our website and also allows us to improve our website. For detailed information on the cookies we use and the purposes for which we use them please see paragraph (b) below.

(b)     What we use them for
We may use cookies in two ways:

(i)     per-session cookies are used while you are logged on to our website to record temporary data relating to your visit to our Website, to manage the delivery of web pages to; you and any registration and ordering processes, and to help us monitor traffic through the Website; and
(ii)    logon and usage cookies store some data between visits to our Website in order to allow you to log on to your account more easily, and using them we are able to personalise your experience and create a database of your previous choices and preferences, and in situations where those choices or preferences need to be collected again, they can be supplied by us automatically, saving you time and effort.  For example, after you purchase a product once, if you need to purchase it again your previous selection of options will be retained and can be re-entered more quickly.

(c)     Deactivating Cookies
If you do not want to use “cookies” most internet browser programs will permit you to turn them off. Should you do this you will still be able to access most of our website as normal but some processes that depend on cookies may not work properly. Your computer may be specially configured to reject cookies: please refer to your browser for more information.

Change of purpose
We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.

If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.

Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

Section 4

Disclosures of your personal data

Purposes of disclosure and recipients
We do not share personal data with any third parties except as provided below or as required by law:

(a)     Motor Insurers Bureau (MIB)

Where you take out an insurance policy with us, the insurer will add information about this policy to the Motor Insurance Database (MID). The MID is managed by the MIB and data which is stored on it may be used by certain statutory and/or authorised bodies (including the police, DVLA, DVLNI and the Insurance Fraud Bureau).

This information may be used for various purposes permitted by law, which include but are not limited to:

  • Electronic Licensing

  • Continuous insurance enforcement

  • Law enforcement (prevention, detection, apprehension and/or prosecution of offenders)

  • The provision of government services and/or other services aimed at reducing the level and incidence of uninsured driving.

If you are involved in a road traffic accident (either in the UK, the European Economic Area or certain other territories), insurers and/or the MIB may search the MID to obtain relevant information.

Persons (including his or her appointed representative) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.

Information which is supplied to fraud prevention agencies and databases such a MID can include details such as your name, address and date of birth together with details of any injury arising from a claim.

Your data may be supplied to an industry database in order to facilitate automatic no claim discount validation checks.

(b)     DVLA and Claims Management
With your consent we may share your driving licence number with the DVLA to confirm the status of your driving licence, entitlement and any information relating to restrictions/endorsements/convictions. We may carry out these searches before issuing you with an insurance policy and/or at any point during the term of your policy.

In the event of a claim we may need to disclose information with any other party involved in that claim such as third parties involved in the incident, their insurer, solicitor or representative and medical teams, the police or other investigators. We also may have to investigate your claims and conviction history.

(c)     Payment processing
Your personal data may be processed by third parties who provide other processing services to us and we may transfer personal data to third party payment processors in order to process payments for orders (such as credit and debit card processing companies). If we use a third party order processing services, they will collect and send your data to us securely, which will then be incorporated into our databases.

(b)     Purposes of obtaining a Quote
We will use your personal data to obtain quotes from insurance underwriters to provide you with an insurance quote.

(c)     Our contractors
In addition to the third parties we have already mentioned in this privacy notice, we may have your personal data processed by other third parties throughout the world who act for or on our behalf; for example, we may use cloud computing or remote database hosting services which may be located anywhere in the world and we may engage contractors anywhere in the world for the purposes of providing support or back-office services to us, including website hosting, order processing, order fulfilment, application and database hosting, data processing services, or that help us market out products and services. These companies will process and hold information about you in order to perform their functions. These companies are not authorised to use the information they process for us for any other purpose than those to which we have notified you under this privacy notice.

(d)     Legal requirements
We may share or transfer your personal data to a government authority where required to comply with a legal requirement, for the administration of justice, or where reasonably required to protect you or your company’s vital interests.

(e)    Corporate transfer
We may transfer your personal data to any company that purchases or otherwise acquires our business in the event of a corporate sale, merger, reorganisation, dissolution or similar event.

 (f)    Statistics
We may use your personal data along with other data to provide statistics on an anonymous basis to our contractors, marketing partners (including banks and other institutions who may promote our products to their customers), and other companies and organisations we deal with, for a range of purposes, including assessing and reporting on the overall performance of our products and website, assessing and reporting on overall product take-up and usage, assessment and reporting on malware and unsafe websites and associated threats and risks in general or for any group of customers.

(g)     Credit Reference Agencies
We carry out credit and identity checks when you apply for finance or other services from us. We may use Credit Reference Agencies (CRAs) to help us with this.

If you use our services, from time to time we may also search information that the CRAs have, to help us manage those accounts.

We will share your personal data with CRAs and they will give us information about you. The data we exchange may include:

  • Name, address and date of birth

  • Credit application

  • Details of any shared credit

  • Financial situation and history

  • Public information, from sources such as the electoral register and Companies House.

We’ll use this data to:

  • Assess whether you can afford to make repayments

  • Make sure what you’ve told us is true and correct

  • Help detect and prevent financial crime

  • Manage accounts with us

  • Trace and recover debts

  • Make sure that we tell you about relevant offers.

We will continue sharing your personal data with CRAs for as long as you are a customer. This will include details of your repayments and whether you repay in full and on time. The CRAs may give this information to other organisations that want to check credit status. We will also tell the CRAs when you settle your accounts with us.

When we ask CRAs about you, they will note it on your credit file. This is called a credit search. Other lenders may see this, and we may see credit searches from other lenders.

If you apply for finance with someone else, we will link your records with theirs. We will do the same if you tell us you have a spouse, partner, or civil partner – or that you are in business with other partners or directors.

You should tell them about this before you apply for finance or another service. It is important that they know your records will be linked together, and that credit searches may be made on them.

CRAs will also link your records together. These links will stay on your files unless one of you asks the CRAs to break the link. You will   normally need to give proof that you no longer have a financial link with each other.

You can find out more about the CRAs on their websites, in the Credit Reference Agency Information Notice. This includes details about:

  • Who they are

  • Their role as fraud prevention agencies

  • The data they hold and how they use it

  • How they share personal data

  • How long they can keep data

  • Your data protection rights.

If you’d like to know about the information the credit-reference agencies hold about you, you should contact them directly – but please note, they may charge you a fee for this service (unless they are prevented from doing so by relevant laws). Not every agency will hold the same information, so you should consider contacting them all. You can contact:

  • Call Credit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ, or call 0870 060 1414 (personal credit data only) or log on to www.callcredit.co.uk

  • Equifax PLC, Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US, or call 0844 335 0550 or log on to www.myequifax.co.uk

  • Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF, or call 0344 481 8000 or log on to www.experian.co.uk

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

International transfers
We do not transfer your personal data outside the European Economic Area.

Data security
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

Data retention
We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

By law we have to keep basic information about our customers (including Contact, Identity, Financial and Transaction Data) for the term of their policy and for a period of six years after they cease being customers.

In some circumstances you can ask us to delete your data: (please see below).

In some circumstances we may anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.

No fee usually required
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

What we may need from you
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

Time limit to respond
We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.

Glossary

Customer means any person (including individuals, firms and companies and other organisations) who is a customer of Flag Insurance Brokers ltd, including person who browse, register on or, otherwise use our website, or who purchase our products.

Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us

Performance of Contract means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.

Comply with a legal or regulatory obligation means processing your personal data where it is necessary for compliance with a legal or regulatory obligation that we are subject to.

YOUR LEGAL RIGHTS

You have the right to:

Request access to your personal data (commonly known as a "data subject access request"). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.

Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.

Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.

Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.

Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data's accuracy; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.

Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.

Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.

Make a complaint about how we handle your personal data at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues at:

Information Commissioner’s Office,
Wycliffe House, Water Lane,
Wilmslow,
Cheshire,
SK9 5AF
T: 0303 123 1113
www.ico.org.uk

We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.

Legal Disclaimer
Flag Insurance (Brokers) Limited uses reasonable care to make sure that the information appearing on this Website is accurate and up-to-date. However, errors and omissions do occur and the user should not take the accuracy of the information for granted but should check directly with Flag Insurance (Brokers) Limited. None of the material contained in this Website is to be relied upon as a statement or representation of fact.

Flag Insurance (Brokers) Limited shall not be liable for any loss of profits or contracts or any direct, indirect or consequential loss, business interruption or loss of data or programs arising out of or in connection with the use of the information either contained within this site or from any of its Hyper link connections, other than death or personal injury to the extent that this is caused by the negligence of Flag Insurance (Brokers) Limited.
Flag Insurance (Brokers) Limited may also make improvements and/or changes to the content of this information at any time without notice. All services, product and product price specifications contained within, Flag Insurance (Brokers) Limited Website are subject to change without notice.

INFORMATION PROVIDED ON THE WWW.FLAGINSURANCE.CO.UK WEBSITE IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, AS SUCH EXCLUSIONS OF IMPLIED WARRANTIES SHALL APPLY PURSUANT TO APPLICABLE LAWS AND REGULATIONS.

Links to Third Party Sites
Flag Insurance (Brokers) Limited cannot and has not reviewed all pages of the Websites linked to this Site and therefore cannot be liable for their content. Users link to other Websites at their own risk and use such sites according to the terms and conditions of use of such sites. Flag Insurance (Brokers) Limited provides links to you only as a convenience, and the inclusion of any link does not imply endorsement by Flag Insurance (Brokers) Limited or the Website.

Copyright
No part of this Website may be copied or imitated in whole or in part. No logo, graphic, sound or image from this Website may be copied or re-transmitted unless expressly permitted in writing by Flag Insurance (Brokers) Limited. (These prohibitions are without limitation to the legal rights of Flag Insurance (Brokers) Limited.)

Any information provided to Flag Insurance (Brokers) Limited in connection with its Website shall be provided by the submitter and received by Flag Insurance (Brokers) Limited on a non-confidential basis. Flag Insurance (Brokers) Limited shall be free to use such information on an unrestricted basis. In particular, we may transfer information between our subsidiary companies in different countries both inside and outside the European Economic Area.

Trademarks
The trademarks and logos (the Trademarks) used and displayed on this Site are registered and unregistered trademarks of Flag Insurance (Brokers) Limited and others. They may not be used in any advertising or other publicity materials in relation to the distribution of any information or materials obtained from this Website without the prior written consent of the Trademark owner. (These prohibitions are without limitation to the legal rights Flag Insurance (Brokers) Limited)

Governing Law
Any dispute or claim concerning or arising from this Website shall be determined in accordance with the law of England and Wales. The courts of England and Wales shall have exclusive jurisdiction in determining such disputes or claims.

Flag Insurance Brokers Limited respects your privacy and is committed to protecting your personal data. This privacy notice tells you how we look after your personal data, your privacy rights and how the law protects you.