Privacy Notice and Legal Disclaimer

Privacy Notice

Important notice
This is the privacy notice of Walter A Wright Insurance Brokers Limited (registration number 01326746) whose registered office is at 1 Church Road, Gosforth, Newcastle upon Tyne, NE3 1TX referred to as we, us or our in this privacy notice.

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.

This privacy notice relates to personal information that identifies you as a natural person (whether you are an actual or potential customer, an individual who browses our website or an individual outside our organisation with whom we interact). We refer to this information throughout this privacy notice as personal data or personal information and further detail of what this includes are set out in this privacy notice below.

The privacy and security of your personal information is very important to us so we want to assure you that your information will be properly managed and protected by us at all times.  Please read this privacy notice carefully as it explains how we may collect and use your personal data, the conditions under which we may disclose it to others and how we keep it secure.

By conducting business with us or by using our website or by making a job application to us, you are agreeing to be bound by this privacy notice. 
This privacy notice may vary from time to time so please check it regularly to ensure that you remain happy with its content.  This privacy notice was last updated on 25 May 2018.

How to contact us
Controller and contact details
For the purposes of relevant data protection legislation, we are a controller of your personal data.  As a controller we use (or process) the personal data we hold about you in accordance with this privacy notice. If you need to contact us in connection with the use or processing of your personal data, then you can do so using our contact details as set out below.

Data Protection Officer
Our Data Protection Office is Willard Wright who you can contact at 1 Church Road, Gosforth, Newcastle upon Tyne, NE3 1TX. Telephone 0191 284 2274.

What information we hold about you and where we obtain this from
The personal data that we collect about you may include the following information: 

• Personal data you provide to us in person, via our website or by telephone
• Personal data you provide when you enquire about insurance, or when you purchase a policy, through us, including information about what and/or who you want to insure, such as vehicle details, business activities, your home or travel details
• General information about you, such as your name, address, contact details, telephone numbers and date of birth
• Personal data you provide if you subscribe to any of our mailing or newsletter services
• Your claims and credit history
• Financial details, such as your bank account and payment card details
• 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

In addition, we may obtain certain special categories of your data (special categories of data) and this privacy notice specifically sets out how we may process these types of personal data. The special categories of data are data concerning health and medical records.

We collect your personal data from you as a controller when we obtain quotations for insurance for you, when we set up your policy for you and when we make changes to your policy for you. 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 named driver, employee or travel companion etc. you confirm that you have their permission to do so and that you have shared this privacy notice with them.

By asking us to arrange a contract of insurance for you where this involves passing information to us relating to children, you confirm to us that in doing so you are the responsible guardian of the child.

We also collect information from publically 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 bases on which to share such personal data with us.

How we use your personal data and the lawful basis for doing so
Where we are relying on a basis other than consent
We may rely on one or more of the following legal bases when processing your personal data for the following purposes:

Special categories of data and criminal convictions
We may also need to collect special categories of data from you, such as information about health, in order to perform our contractual obligations to you.  The lawful basis on which we can do this is that the processing is necessary for reasons of substantial public interest relating to insurance.   We may also collect information on criminal convictions which we may share with third parties.  The lawful basis on which we can do this is that the processing is necessary for reasons of substantial public interest relating to insurance.

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

• The insurers, intermediaries and third party service providers that we use for the purpose of arranging and administering your insurance policy. This may also include risk management assessors, uninsured loss recovery agencies, loss adjusters, loss assessors, premium finance providers and other third parties involved (directly or indirectly) in the administration of your insurance and its associated benefits 
• Firms that provide administration and processing services to us or on our behalf under contract in order to complete activities such as claims handling, IT systems and administrative services and other activities set out in this privacy notice, as well as support activities such as finance and auditing services
• Organisations that have a specific role laid out in law, such as statutory bodies, regulatory authorities and other authorised bodies
• Other organisations where we have a duty to or are permitted to disclose your personal information by law, for example if we received a valid request from the police or other third party organisation in the interest of preventing and detecting crime
• Fraud prevention agencies and operators of registers available to the insurance industry to check information and prevent fraud
• 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
• Third parties we use to recover money you may owe us or to whom we may sell your debt
• Another company if our business or part of it is bought or taken over by that company to make sure your insurance policy can continue to be serviced or as part of preliminary discussions with that company about a possible sale or take over

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.

Our website
Accessing our website
When you visit one of our websites 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.

The open nature of the internet is such that data may flow over networks without security measures, and may be accessed and used by people other than those for whom the data is intended. While this is outside of our control, we do take the protection of your information very seriously and aim to apply appropriate levels of security at all times. Our website contains links to external websites run by other organisations. This privacy policy applies only to our website‚ not those external websites that we link to, who will have their own privacy policies. We are not responsible for these external websites and their privacy policies and practices. In addition, if you linked to our website from an external site, we cannot be responsible for the privacy policies and practices of the owners and operators of that external website and recommend that you check the privacy policy of that external site.

Cookies
We may use session cookies and/or pixel tags on some pages of our website that last for the duration of the session.  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. This is helpful as it will speed-up navigation from one page to another during the visit (session). Once the visitor leaves our site the cookie stops and does not remain on the visitor’s PC or phone. ‘Permanent Cookies’ on the other hand, as the name suggests, persist after the visitor has left a site to remain on the visitor’s PC or phone. These cookies can all be turned-off and removed easily using your browser’s preference settings which will vary depending on which browser you use.  Our website does not use ‘Permanent Cookies’. 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.

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.

Data stored within UK and Europe (EU)
Our data is held on servers located in UK and Europe (EU) where data protection legislation is governed by UK and European (EU) laws and regulations. (GDPR and the UK Data Protection Act 2018).

Interruptions and omissions in service
Every effort is made to ensure that our website is accurate, secure and accessible at all times. However, Web and Internet connections can fail from time-to-time which is beyond our control. Although rare, service breaks are typically temporary amounting to as little as a matter of minutes in some cases. We do not accept any liability arising from any such errors, omissions, interruptions or delays or any ongoing obligation or responsibility to operate our website (or any particular part of it) or to provide the service offered on our website. We may vary the specification of our website from time to time without notice.

Your use of our website
You may only use our website for lawful purposes when seeking information. You must not under any circumstances seek to undermine the security of the website or any information submitted to or available on it. In particular, but without limitation, you must not seek to access, alter or delete any information to which you do not have authorised access, seek to overload the system via spamming or flooding, take any action or use any device, routine or software to crash, delay, damage or otherwise interfere with the operation of this website or attempt to decipher, disassemble or modify any of the software, coding or information on the website.

Information on our website
Whilst we make every effort to ensure that the information on this site is accurate and complete, we do not accept any liability arising from any inaccuracy or omission in any of the information on our website or any liability in respect of information on our website supplied by you, any other site user or any other person.

Your Rights
We will only store your data for as long as is necessary to comply with the requirements of your insurance contract(s) and any legal obligations or lawful processing conditions that may exist as a result.  You have a number of rights concerning the personal information we use, which you may ask us to observe. In some cases even when you make a request concerning your personal information, we may not be required, or be able to carry out your request as this may result in us not being able to fulfil our legal and regulatory obligations under the lawful processing conditions under which we hold your data or because there is a minimum statutory period of time for which we have to keep you information. If this is the case, we'll let you know our reasons.

You can ask us to:

• Provide a copy of your personal information
• Correct or delete unnecessary or inaccurate  personal information
• Restrict or to object to the use of your personal information at any time
• Object to any automated decision, including profiling which may have been used by insurers when underwriting your quotation. Where an automated decision has been made we will advise you of this and of your rights
• Provide your personal data in a structured, commonly used and machine-readable format and to have your personal data transferred to another controller. This right only applies where our processing of your personal data is automated and the processing took place initially with your consent or for the performance of a contract with you
• 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

If you have any questions or concerns about this privacy notice or your data protection rights please contact us using our details set out at the beginning of this privacy notice.
You also have the right to make an enquiry or to complain to the Information Commissioner’s Office (ICO) if you are unhappy with our use of your data, or if you think we have breached a legal requirement.  Further details about the ICO are available at www.ico.org.uk.

How we contact you about 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. This is because we value your custom and we pride ourselves in offering professional and tailored advice which meets your specific insurance needs.  This includes keeping you informed on the latest insurance and industry information and details of any offers or promotions relating to the insurance services we provide 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 post, telephone or e-mail. 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 servicing of products that you have specifically requested from us.

Choice of law and jurisdiction
This Privacy Notice is governed and shall be construed in accordance with English law and the parties shall submit to the exclusive jurisdiction of the English Courts.

Legal Disclaimer

Walter Wright 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 Walter Wright Insurance Brokers Limited. None of the material contained in this Website is to be relied upon as a statement or representation of fact.

Walter Wright 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 Walter Wright Insurance Brokers Limited. Walter Wright 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, Walter Wright Insurance Brokers Limited Website are subject to change without notice.

INFORMATION PROVIDED ON THE WWW.WALTERWRIGHTINSURANCEBROKERS.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
Walter Wright 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. Walter Wright Insurance Brokers Limited provides links to you only as a convenience, and the inclusion of any link does not imply endorsement by Walter Wright 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 Walter Wright Insurance Brokers Limited or re-transmitted unless expressly permitted in writing by Walter Wright Insurance Brokers Limited. (These prohibitions are without limitation to the legal rights of Walter Wright Insurance Brokers Limited.) Any information provided to Walter Wright Insurance Brokers Limited in connection with its Website shall be provided by the submitter and received by Walter Wright Insurance Brokers Limited on a non-confidential basis. Walter Wright 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 Walter Wright 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 Walter Wright 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, and the courts of England and Wales shall have exclusive jurisdiction in determining such disputes or claims.