Privacy Policy
Introduction
Guarantor Insure is committed to protecting and respecting your privacy. This Privacy Notice explains how we collect, use and protect your personal information when you use our website, request a quotation, purchase an insurance policy or contact us.
We process your personal information in accordance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018 and other applicable data protection legislation.
By using our website or services, you agree that your personal information may be processed as described in this Privacy Notice.
Where you provide information about another person, you confirm that you have their permission to do so and that they understand how their information will be used.
Who We Are
Guarantor Insure is a trading name of Third Party Liability Limited ("Guarantor Insure", "we", "our" or "us").
Third Party Liability Limited is registered in England and Wales under company number 08987330 with its registered office at C/O Dfm Associates, One St Peters Road, Maidenhead, Berkshire, SL6 7QU.
We are an Appointed Representative of Xact Risk Solutions Limited Financial Conduct Authority (FCA) firm reference number 590914. Our FCA firm reference number is 820193.
This insurance is administered and provided by Auto Legal Protection Services Limited (“Alps”). Registered office. Sunnyside Mill, Highfield Road, Congleton, Cheshire, CW12 3AQ. Company number 3676991.
Alps is authorised and regulated by the Financial Conduct Authority, Firm Reference Number is 300906.
This can be checked on the Financial Services Register by visiting the website: www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768.
This Guarantor Protection Insurance is underwritten AmTrust Specialty Limited (the insurer). Further information concerning the insurer can be found in the General information section of this policy.
Guarantor Insure acts as a data controller for the personal information it processes.
What information Do We Collect
We may collect information such as your name, contact details, address, tenancy details, information about the tenant or guarantor relationship, information relating to the student’s course, payment information, correspondence with us and information provided during a claim or complaint.
In most cases, we collect personal information directly from you when you request a quotation, purchase a policy or contact us. We may also receive information from third parties involved in administering your insurance, such as ALPS, AmTrust Specialty Limited or other service providers.
We may also collect technical information such as your IP address and information about how you use our website.
We do not intentionally collect special category data. Where it is necessary or you choose to provide it, we will process it only where permitted by applicable law.
If you do not provide information that we need to arrange or administer your insurance policy, we may be unable to provide a quotation, arrange cover or administer your policy.
How We Use Your Information
We use your personal information to provide quotations, arrange and administer insurance policies, process payments, handle complaints, communicate with you and meet our legal and regulatory obligations.
We may also use information to improve our products and services, carry out statistical analysis and prevent fraud and financial crime.
Where permitted by law, we may contact you about relevant products or services. You can opt out of marketing communications at any time.
We do not make decisions about you based solely on automated processing that produce legal or similarly significant effects.>
Keeping Your Information Secure
We take appropriate technical and organisational measures to protect your personal information against unauthorised access, loss, misuse or disclosure.
Payment processing
If you purchase a policy, payments are processed securely by our third-party payment provider, Stripe. We do not store your full payment card details. Stripe acts as an independent data controller for payment processing and processes personal information in accordance with its own privacy policy.
For more information about how Stripe processes your personal information, please refer to Stripe's Privacy Policy at https://stripe.com/privacy.
Our Legal Basis for Processing Your Information
We process your information where it is necessary to perform our contract with you, comply with legal or regulatory obligations, pursue our legitimate interests (provided these do not override your rights and freedoms), or where you have given your consent. Where we rely on your consent, you have the right to withdraw it at any time.
Sharing Your Information
To provide, administer and manage your insurance policy, we will share your personal information with Auto Legal Protection Services Limited (ALPS), the policy administrator, and AmTrust Specialty Limited, the insurer.
This may include any information you provide to us during your application, throughout the life of your policy, or when making a claim.
We may also share your information with payment providers, claims handlers, professional advisers, regulatory authorities and trusted service providers where necessary and when required to prevent or detect fraud or financial crime.
All recipients are required to keep your information secure and use it only for legitimate business purposes.
Where personal information is transferred outside the UK, we will ensure appropriate safeguards are in place in accordance with UK data protection law.
Cookies
Our website uses cookies to help it function correctly, maintain security and understand how visitors use our website.
We may use analytics tools to improve website performance and, where applicable, marketing tools to make our communications more relevant.
You can control cookies through your browser settings. Disabling cookies may affect some website functionality.
How Long We Keep Your Information
We retain your personal information only for as long as necessary. In most cases, customer and policy records will be retained for 6 years after your relationship with us ends to meet legal, regulatory and business requirements.
Your rights
Under data protection law, you have rights including requesting access to your information, correcting inaccurate information, requesting deletion in certain circumstances, restricting processing, objecting to certain uses of your information and requesting transfer of your information where applicable.
To exercise your rights, please contact us using the details below.
Fraud prevention and legal compliance
We may use your personal information to carry out identity, fraud prevention, anti-money laundering (where applicable) and financial sanctions screening, where required to comply with legal or regulatory obligations or to protect our business from fraud and financial crime.
Contact Us
If you have any questions about this Privacy Notice or wish to exercise your data protection rights, please contact us.
Email: support@guarantorinsure.co.uk
Complaints
If you are unhappy with how we have handled your personal information, please contact us so we can investigate your concerns.
If you remain dissatisfied, you have the right to lodge a complaint with the Information Commissioner's Office (ICO).
Website: https://ico.org.uk/make-a-complaint
Telephone: 0303 123 1113
Changes to this Privacy Notice
We may update this Privacy Notice from time to time to reflect changes to our services, legal requirements or regulatory obligations. The latest version will always be available on our website.
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