South West Broking Ltd Website Terms & Conditions
General Insurance Privacy Statement
We are a data controller and our data protection officer is Julian Dent.
We act as your agent and will collect data, including personal information and risk details, solely to enable us to obtain and provide insurance quotations, arrange and administer your insurance. Data collected by us is contractual, and for our legitimate business interests as an insurance broker and we will be unable to offer any quotation or insurance if you refuse to provide certain personal data, including health, financial and criminal records data which is collected under the lawful basis of public interest, where these would affect the provision of cover and/or performance of insurance contracts. Your information will be held securely by us and shared with insurers, which could include reputable providers in other countries, to enable them to provide accurate terms and they will also obtain data about you and your insurance history from various insurance anti-fraud databases, such as the Claims and Underwriting Exchange (CUE) as well as publicly available websites and credit referencing agencies.
We will not give anyone else any personal information except on your instructions or authority, or where we are required to do so by law, or our regulatory requirements. Information about you and your insurances will be held while you are a client and for a minimum of three years, and in certain circumstances up to six years, after expiry of your policies. Under the Data Protection Act data subjects have the right to see, and correct, personal information about them that we hold. Please write to our data protection officer at our usual office address if you wish to exercise your rights or have a complaint about our use of your data.
2. The site editor’s service
This website and the services provided to you on and via this website are provided on an “AS IS” basis. You agree that the site editor reserves the right to modify or discontinue provision of this website and its services, and to remove the data you provide, either temporarily or permanently, at any time, without notice and without any liability towards you. The site editor will not be held responsible or liable for timeliness, removal of information, failure to store information, inaccuracy of information, or improper delivery of information.
3. Your responsibilities and registration obligations
5. Registration and password
You are responsible for maintaining the confidentiality of your password, and you will be responsible for all usage of your user account and/or user name, whether authorized or not authorized by you. You agree to immediately notify the site editor of any unauthorized use of your user account, user name or password.
6. Your conduct
You agree that all information or data of any kind, whether text, software, code, music or sound, photographs or graphics, video or other materials (“content”), made available publicly or privately, will be under the sole responsibility of the person providing the said content, or of the person whose user account is used. You agree that this website may expose you to content that may be objectionable or offensive. The site editor will not be responsible to you in any way for content displayed on this website, nor for any error or omission.
By using this website or any service provided, you explicitly agree that: (a) you will not provide any content or conduct yourself in any way that may be construed as: unlawful; illegal; threatening; harmful; abusive; harassing; stalking; tortious; defamatory; libelous; vulgar; obscene; offensive; objectionable; pornographic; designed to interfere with or disrupt the operation of this website or any service provided; infected with a virus or other destructive or deleterious programming routine; giving rise to civil or criminal liability; or in violation of an applicable local, national or international law; (b) you will not impersonate or misrepresent your association with any person or entity; you will not forge or otherwise seek to conceal or misrepresent the origin of any content provided by you; (c) you will not collect or harvest any information about other users; (d) you will not provide, and you will not use this website to provide, any content or service in any commercial manner, or in any manner that would involve junk mail, spam, chain letters, pyramid schemes, or any other form of unauthorized advertising or commerce; you will not use this website to promote or operate any service or content without the site editor’s prior written consent; (e) you will not provide any content that may give rise to the site editor being held civilly or criminally liable, or that may be considered a violation of any local, national or international law, including — but not limited to — laws relating to copyrights, trademarks, patents, or trade secrets.
7. Submission of content on this website
By providing any content to this website: (a) you agree to grant the site editor a worldwide, royalty-free, perpetual, non-exclusive right and licence (including any moral rights or other necessary rights.) to use, display, reproduce, modify, adapt, publish, distribute, perform, promote, archive, translate, and to create derivative works and compilations, in whole or in part. Such licence will apply with respect to any form, media, technology already known at the time of provision or developed subsequently; (b) you warrant and represent that you have all legal, moral, and other rights that may be necessary to grant the site editor the licence specified in this section 7; (c) you acknowledge and agree that the site editor will have the right (but not obligation), at the site editor’s entire discretion, to refuse to publish, or to remove, or to block access to any content you provide, at any time and for any reason, with or without notice.
8. Third-party services
Goods and services of third parties may be advertised and/or may be made available on or through this website. Representations made regarding products and services provided by third parties will be governed by the policies and representations made by these third parties. The site editor will not in any manner be liable for or responsible for any of your dealings or interaction with third parties.
10. DISCLAIMER OF WARRANTIES
YOU UNDERSTAND AND AGREE THAT YOUR USE OF THIS WEB SITE AND OF ANY SERVICES OR CONTENT PROVIDED (THE “SERVICE”) IS AT YOUR OWN RISK. SERVICES AND CONTENT ARE PROVIDED TO YOU “AS IS”, AND THE SITE EDITOR EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER IMPLIED OR EXPRESS, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
THE SITE EDITOR MAKES NO WARRANTY, EITHER IMPLIED OR EXPRESS, THAT ANY PART OF THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, VIRUS-FREE, TIMELY, SECURE, ACCURATE, RELIABLE, OR OF ANY QUALITY, NOR IS IT WARRANTED EITHER IMPLICITLY OR EXPRESSLY THAT ANY CONTENT IS SAFE IN ANY MANNER FOR DOWNLOAD. YOU UNDERSTAND AND AGREE THAT NEITHER THE SITE EDITOR NOR ANY PARTICIPANT IN THE SERVICE PROVIDES PROFESSIONAL ADVICE OF ANY KIND AND THAT ANY ADVICE OR ANY OTHER INFORMATION OBTAINED VIA THIS WEB SITE MAY BE USED SOLELY AT YOUR OWN RISK, AND THAT THE SITE EDITOR WILL NOT BE HELD LIABLE IN ANY WAY.
Some jurisdictions may not allow disclaimers of implied warranties, and certain statements in the above disclaimer may not apply to you as regards implied warranties; the other terms and conditions remain enforceable notwithstanding.
11. LIMITATION OF LIABILITY
YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE SITE EDITOR WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES; THIS INCLUDES, BUT IS NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF THE SITE EDITOR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM (I) THE USE OF SERVICES OR THE INABILITY TO USE SERVICES, (II) THE COST OF OBTAINING SUBSTITUTE GOODS AND/OR SERVICES RESULTING FROM ANY TRANSACTION ENTERED INTO ON THROUGH SERVICES, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA TRANSMISSIONS, (IV) STATEMENTS BY ANY THIRD PARTY OR CONDUCT OF ANY THIRD PARTY USING SERVICES, OR (V) ANY OTHER MATTER RELATING TO SERVICES.
In some jurisdictions, it is not permitted to limit liability and, therefore, such limitations may not apply to you.
12. Reservation of rights
The site editor reserves all of the site editor’s rights, including but not limited to any and all copyrights, trademarks, patents, trade secrets, and any other proprietary right that the site editor may have in respect of this website, its content, and goods and services that may be provided. The use of the site editor’s rights and property requires the site editor’s prior written consent. By making services available to you, the site editor is not providing you with any implied or express licences or rights, and you will have no rights to make any commercial use of this website or provided services without the site editor’s prior written consent.
13. Notification of copyright infringement
If you believe that your property has been used in any way that could be considered a copyright infringement or a violation of your intellectual property rights, the site editor\’s copyright agent may be contacted via:
e-mail to the site administrator: firstname.lastname@example.org
letter addressed to:F.A.O: Website Administrator South West Broking Ltd 46A Ormonds Close Bradley Stoke South Gloucestershire BS32 0DX
14. Applicable law
15. Miscellaneous information
How we use your information
Please read the following carefully as it contains important information relating to the details you give us. You should show this notice to any other party related to this insurance.
Who we are
South West Broking Ltd is an appointed representative of TEn Insurance Services Ltd.
You are giving your information to South West Broking Ltd and TEn Insurance Services Ltd. In this information statement, ‘we’ ‘us’ and ‘our’ refers to these two companies unless otherwise stated.
How your information will be used and who we share it with
Your information comprises of all the details we hold about you and your transactions and includes information obtained from third parties.
If you contact us electronically, we may collect your electronic information identifier e.g. Internet Protocol (IP) address or telephone number supplied by your service provider.
We may use and share your information with TEn Insurance Services Ltd and other insurance/financial companies:
Assess financial and insurance risks;
Prevent and detect crime;
Develop our services, systems and relationships with you;
Understand our customers’ requirements;
Develop and test products and services.
We do not disclose your information to anyone outside of this, except:
Where we have your permission; or
Where we are required or permitted to do so by law; or
To credit reference and fraud prevention agencies and other companies that provide a service to us, our partners or you; or
Where we may transfer rights and obligations under this agreement.
We may transfer your information to other countries on the basis that anyone we pass it to, provides an adequate level of protection. In such cases, we will ensure it is kept securely and used only for the purpose for which you provided it. Details of the companies and countries involved can be provided on request.
From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object, you will consent to that change.
We will not keep your information for longer than is necessary.
For your protection, calls may be monitored or recorded.
Some of the information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to carry out the services described in your policy documents. Please ensure that you only provide us with sensitive information about other people with their agreement.
Credit reference agencies
To determine premium payment rates at quote and renewal and/or any future invitations, we may make checks on the electoral role and public data through a credit reference agency. These enquiries will be recorded but will not affect your credit rating.
Fraud prevention agencies
If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.
We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:
Checking details on applications for credit and credit related or other facilities;
Checking details on proposals and claims for all types of insurance;
Checking details of job applicants and employees.
Please contact the Data Protection Liaison Officer at the address below if you want to receive details of the relevant fraud prevention agencies.
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
Insurers pass information to the Claims and Underwriting Exchange Register (CUE) run by Insurance Database Services Ltd (IDS Ld) and the Motor Insurance Anti-Fraud and Theft Register (MIAFTR), run by the Association of British Insurers (ABI).
Under the conditions of your policy, you must tell us about any incident (e.g. accident, fire, theft or malicious damage) which may or may not give rise to a claim. When you tell us about an incident, we will pass information relating to it to the registers.
How to contact us
On payment of a small fee, you are entitled to receive a copy of the information we hold about you. If you have any questions, or you would like to find out more about this notice you can write to:
Data Protection Liaison Officer,
South West Broking Ltd
46A Ormonds Close
You may also email us at Julian@southwestbroking.co.uk
Motor Insurance Database
Information relating to motor insurance policies will be added to the Motor Insurance Database (MID) managed by the Motor Insurers’ Bureau (MIB). MID and the data stored on it may be used by Insurers, the Police, DVLA/DVANI, the Insurance Fraud Bureau or other bodies permitted by law for purposes including, but not limited to:
Electronic Vehicle Licensing;
Continuous Insurance Enforcement;
Law enforcement (prevention, detection, apprehension and or prosecution of offenders);
Obtaining information if you are involved in a road traffic accident (either in the UK, the EEA or certain other territories).
Persons (including his or her appointed representatives) 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.
It is vital that the MID holds your current registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized.
You can check that your correct registration number details are shown on the MID at www.askmid.com
Cookies are small text files placed on your computer and are commonly used on the internet. There are various types of cookies which perform different functions, such as remembering which items you have placed in your shopping basket or analysing your browsing behaviour to enable advertisers to present you with adverts more relevant to you and your interests.
For more information about cookies, visit www.allaboutcookies.org.
Accepting or rejecting cookies
Most web browsers will accept cookies, but if you would prefer we did not collect data by this method, you can disable this function within your browser settings. If you want to delete any cookies that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies.
Collect information that will help us to distinguish visitors, to understand visitors’ browsing habits on our website and to improve their experience.
Compile statistical reports on website activity e.g. numbers of visitors and the pages they visit
Remember information about you when you visit our site. Some of the cookies are essential in order to provide our services to you.
Below, we have set out the four categories of cookies that we use on our websites. These cookies are:
Strictly necessary cookies
Some of our website also include third-party cookies, which are cookies not set by us. In each of the four categories above, we have specified where third-party cookies are used.
The following types of cookies may be used during your visit to our website:
Strictly necessary cookies
These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies, services you have asked for, such as obtaining a quote or completing a form, cannot be provided. These cookies do not gather information about you that could be used for marketing or remembering where you have been on the internet.
These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. They also allow us to record and count the number of visitors to the website, all of which enables us to see how visitors use the website in order to improve the way that our website works. These cookies do not collect information that identifies a visitor, as all information these cookies collect is anonymous and is only used to improve how our website works.
These cookies allow our website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced features. For instance, a website may be able to provide you with news or updates relevant to the policies you buy. These cookies can also be used to remember changes you have made to text size, font and other parts of web pages that you can customise. They may also be used to provide services you have requested such as viewing a video or commenting on a blog. The information these cookies collect is usually anonymised. They do not gather any information about you that could be used for advertising or remember where you have been on the internet
These cookies collect several pieces of information about your browsing habits. They are usually placed by advertising networks rather than website operators. They remember that you have visited a website and share this information with other organisations such as advertisers. They do this in order to provide you with targeted adverts more relevant to you and your interests. Quite often they will be linked to site functionality provided by the other organisation. Although the cookies can track your visits around the web they do not usually know who you are. Without these cookies, online advertisements you encounter will be less relevant to you and your interests.
Cookies placed by advertising networks to collect browsing habits in order to target relevant adverts to you. The site you are visiting need not actually be serving adverts, but often this will also be the case.
Cookies placed by advertising networks to complement services used by website operators to increase functionality, for example, commenting on a blog, adding a site to your social network, providing maps or counters of visitors to a site.
Information on deleting or controlling cookies is available at www.allaboutcookies.org
Please note that if you disable cookies, the website functionality may be impaired and prevent you from obtaining a quotation or completing your purchase online.
WE DO NOT COLLECT COOKIES FOR THE PURPOSES OF ADVERTISING. However, cookies that have been collected by our site may be used by 3rd parties for the purposes of advertising, as described above
How we protect your information
Firewalls are used to block unauthorised traffic to the servers and the actual servers are locked in a secure location which can only be accessed by authorised personnel. In addition to this, anti-spam and other security software/hardware is used. We also recommend using an up to date security software package on your own computer.
Calls to our contact number are charged at a local rate from a BT landline. Other providers, including calls from mobile phones, will vary depending on your network rate. Please consult your service provider for details of call charges and always obtain the bill payers permission before calling.