Privacy Policy

1 Introduction

1.1 We are committed to safeguarding the privacy of all categories of personal data that we use viz;

(A) Broker Insights’ Prospective Clients & Website Visitors.

(B) Broker Insights’ Platform Users.

(D) Other Personal Data received from Insurers, Brokers and Stakeholders.

1.2 This policy applies where we are acting as:

(A) A data controller with respect to the personal data of Broker Insights’ website visitors i.e. where we determine the purposes and means of the processing of that personal data.

(B) A data controller with respect to the personal data of Broker Insights’ platform service users.

(D) A data processor with respect to personal client data received from partner brokers as part of the contractual arrangements.

(E) A data processor with respect to personal data received from insurers, brokers or stakeholders.

1.3 We will ask you to consent to our use of cookies in accordance with the terms of this policy when you first visit our website. You will be able to amend your choices at any time (see section 6 below).

1.4 In this policy, “we”, “us” and “our” refer to Broker Insights Ltd. [For more information about us, see Section 11.]

1.5 Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our website. By accessing or using this website, you agree to this privacy policy. This policy may change from time to time [See Section 8]. Your continued use of this website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

2 How We Obtain and Use Your Personal Data

2.1 In this section we have set out:

Where we get your data from.
The general categories of personal data that we may process.
The purposes for which we may process your personal data.

2.2 We generally collect personal data:

To present our website and its contents to you.
To provide you with information, products, or services that you request from us.
To fulfill any other purpose for which you provide it.
To provide you with notices about your account.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
To notify you about changes to our website or any products or services we offer or provide though it.
To allow you to participate in any interactive features on our website.
In any other way we may describe when you provide the information.
For any other purpose with your consent.

2.3 More specifically:

(A) Broker Insights’ Prospective Clients & Website Visitors

We will process your personal data if you use our ‘Contact Us’ option on our website or contact us by phone or email, at trade shows or on social media or by any other means of communication. This data will include, but not be limited to, names, email addresses, and telephone numbers, and will be used to enable us to respond to requests. The data will be retained during the period it takes to investigate and respond to a query but may be retained longer while the contact is a prospective client. Prospective clients can also consent to receive the Broker Insights newsletter. Personal data will be deleted when the potential client is no longer a prospect, which will be undertaken during periodic reviews.

We may process data about your use of our website. The usage data may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency, and pattern of your service use. The source of the usage data is our analytics tracking system. This usage data may be processed for the purposes of analyzing the use of the website and services.

We collect and process this primarily to respond to contact requests and to monitor and improve our website.

(B) Broker Insights’ Platform Users

We will process your personal data that is required for you to access the platform services. This will include your name, email address and phone number. Platform users will receive email correspondence as part of the service processes. This data will be deleted when access is no longer required as specified by the insurer or broker or the end of the contractual arrangement.

We may process data about your use of platform services. The usage data may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency, and pattern of your service use. The source of the usage data is our analytics tracking system. This usage data may be processed for the purposes of analyzing the use of the website and services.

We collect and process this primarily for fulfilling contracts between us.

(C) Broker Client Data

The commercial client data received from our partner brokers will include some personal data. This may include your name, email address, physical address, business address, business name.

We collect and process this primarily to assist the engagement between insurers and brokers to increase the likelihood of the successful placement of brokers’ client business. We also collect and process this for fulfilling contracts between us.

(D) Other Personal Data received from Insurers, Brokers and Stakeholders

We may receive personal data for prospective clients from insurers, brokers or other stakeholders. This data will include, but not be limited to, names, email addresses, and telephone numbers, and will be used to enable us to investigate the business opportunity. The data will be retained during the period it takes to investigate the business opportunity but may be retained longer while the contact is a prospective client. Personal data will be deleted when the potential client is no longer a prospect, which is undertaken during periodic reviews. and this will be undertaken during an annual review. We collect and process this primarily to respond to contact requests and to monitor and improve our website.

2.4 We may process information contained in or relating to any communication that you send to us (“correspondence data”). The correspondence data may include the communication content and metadata associated with the communication. Our website will generate the metadata associated with communications made using the website contact forms. The correspondence data may be processed for the purposes of communicating with you and record-keeping. We collect and process this primarily for the proper administration of our website and business and communications with users.

2.5 We may process any of your personal data identified in this policy where necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, or obtaining professional advice.

2.7 In addition to the specific purposes for which we may process your personal data set out in this Section 2, we may also process any of your personal data where such processing is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person. We may retain your personal data where such retention is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.

2.8 We may disclose any of your personal data identified in this policy as follows:

Where necessary to comply with any court order, law, or legal process, including to response to any government or regulatory request.
To enforce or apply our terms of use and other agreements, including for billing and collection purposes.
If we believe disclosure is necessary to protect the rights, property, or safety of our company, our clients, or others.
To our subsidiaries and affiliates or to our contractors, service providers, and other third parties we use to support our business.

2.9 We may disclose aggregated information about our users without restriction.

3 Your Rights

3.1 Your Right of Access

You have the right to ask us for copies of your personal information. There are some exemptions, which means you may not always receive all the information we process. You can raise a Subject Access Request using the Contact Us page on our website and choosing the ‘Subject Access Request’ request type.

3.2 Your Right to Rectification

You have the right to ask us to correct information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.

3.3 Your Right to Deletion

You have the right to ask us to delete your personal information in certain circumstances.

3.4 Your Right to Restriction of Processing

You have the right to ask us to restrict the processing of your information in certain circumstances.

3.5 Your Right to Object to Processing

You have the right to object to processing if we are able to process your information because the process forms part of our public tasks or is in our legitimate interests.

3.6 Your Right to Data Portability

This only applies to personal information you have given us. You have the right to ask that we transfer the information you gave us from one organization to another or give it to you. The right only applies if we are processing information based on your consent or in talks about entering into a contract and the processing is automated.

We have one month to respond to you.

3.6 Your State Privacy Rights

State consumer privacy laws may provide their residents with additional rights regarding our use of their personal information.

California Civil Code Section § 1798.83 permits users of our website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us via any of the methods in Section 7 below.

Colorado, Connecticut, Virginia, and Utah each provide their state residents with rights to:
Confirm whether we process their personal information.
Access and delete certain personal information.
Data portability.
Opt-out of personal data processing for targeted advertising and sales.

Colorado, Connecticut, and Virginia also provide their state residents with rights to:

Correct inaccuracies in their personal information, taking into account the information’s nature processing purpose.
Opt-out of profiling in furtherance of decisions that produce legal or similarly significant effects.
To exercise any of these rights please contact us via any of the methods in Section 7 below

Nevada provides its residents with a limited right to opt-out of certain personal information sales. Residents who wish to exercise this sale opt-out rights may submit a request via any of the methods in Section 7 below. However, please know we do not currently sell data triggering that statute’s opt-out requirements.

4 International Transfers of your Personal Data

4.1 In Section 4, we provide information about the circumstances in which your personal data may be transferred to countries outside the European Economic Area (EEA).

4.2 We currently do not have offices and facilities in any country other than the UK and the USA. On initial sign up to our newsletter your email address will be held securely in the USA.

4.3 The hosting facilities for our website are situated in the UK.

4.4 The European Commission has made an “adequacy decision” with respect to the data protection laws of each of the countries in which Broker Insights service providers operate. Transfers to each of these countries will be protected by appropriate safeguards, namely the use of standard data protection clauses adopted or approved by the European Commission, a copy of which can be obtained from

https://ec.europa.eu/info/law/law-topic/data-protection_en

4.5 You acknowledge that personal data that you authorize for publication on our website (e.g. a testimonial) may be available via the internet around the world and the transmission of information via the internet is not completely secure. We cannot prevent the use (or misuse) of such personal data by others. Any transmission of personal information is at your own risk. We are not responsible for the circumvention of any privacy settings or security measures contained on the website.

5 Sharing Your Data

We will not share your information with any third parties for the purposes of direct marketing.

We use data processors who are third parties who provide services to us. We have contracts in place with our data processors. This means that they cannot do anything with your personal information unless we have instructed them to do so. They will not share your personal information with any organization apart from us. They will hold it securely and retain it for the period we instruct.

6 About Cookies

Our website uses cookies to operate successfully. Some of these cookies are essential, while others help us to improve your experience by providing insights into how the site is being used.

6.1 A cookie is a file containing an identifier a string of letters and numbers that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.

6.2 Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.

6.3 Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

Cookies That We Use

6.4 We use cookies for the following purposes:

(a) authentication – we use cookies to identify you when you visit our website and as you navigate our website

(b) status – we use cookies to help us to determine if you are logged into our website

(d) security – we use cookies as an element of the security measures used to protect user accounts, including preventing fraudulent use of login credentials, and to protect our website and services generally

(e) advertising – we use cookies to help us to display advertisements that will be relevant to you

(f) analysis – we use cookies to help us to analyze the use and performance of our website and services

(g) cookie consent – we use cookies to store your preferences in relation to the use of cookies more generally

Cookies used by our Service Providers.

6.5 Our service providers use cookies, and those cookies may be stored on your computer when you visit our website.

6.6 We use Google Analytics to analyze the use of our website. Google Analytics gathers information about website use by means of cookies. The information gathered relating to our website is used to create reports about the use of our website. Google’s privacy policy is available at: https://www.google.com/policies/privacy/.

Managing Cookies

6.8 Blocking all cookies will have a negative impact upon the usability of many websites.

6.9 If you block cookies, you will not be able to use all the features on our website.

7 Our Details

7.1 This website is owned and operated by Broker Insights Ltd.

7.2 We are registered in Scotland and our registered office is at 30 & 34 Reform Street, Dundee, United Kingdom, DD1 1RJ

7.3 Our principal place of business is Unit 8, Water’s Edge, Camperdown Street, Dundee, DD1 3HY.

7.4 You can contact us:

(a) by post, to the postal address given above.

(b) using our website contact form.

(d) by email, using the email address published on our website.

8 Amendments

8.1 We may update this policy from time to time by publishing a new version on our website. The date the privacy policy was last revised is identified at the top of the page.

8.2 You should check this page occasionally to ensure that you are happy with any changes to this policy.

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Broker Insights Privacy Policy for Californian residentscan be access here: Broker Insights – CCPA Privacy Policy for California Residents(3541956.1) TO.