Newpoint Brokers Ltd is committed to ensuring your privacy is protected. This Privacy Policy sets out details of the information that we may collect from you and how we may use that information. Please take your time to read this Privacy Policy carefully. When using our website, this Privacy Policy should be read alongside the website terms and conditions.
About us
In this Privacy Policy references to “we” or “us” or “Newpoint Brokers Ltd” are to Newpoint Brokers Ltd.
When we say “you “ and “yours” in this notice, we mean anyone whose personal information we may collect including:
Anyone seeking an insurance quote from us or whose details are provided during the quotation process
Policyholders and anyone named on or covered by the policy
Anyone who may benefit from or be directly involved in the policy or a claim , including claimants and witnesses.
What personal information do we collect and use?
In order for us to provide insurance quotes and insurance policies, and to deal with any claims or complaints, we need to collect and process personal data about you.
The personal information that we collect will depend on your relationship with us. We will collect different information depending on whether you are a policyholder or prospective customer; covered party under a policy; beneficiary under a policy; or website user, claimant, witness, broker, or other third party.
Due to the nature of our business, we may request and/or receive ‘sensitive’ data about you, known as special category data, for example information pertaining to your health, for claims purposes.
Personal information:
- General information such as your name, address, address of the property or business being insured, contact details, date of birth, gender, family and relationship information, and nationality
- Information about your job
- Information relevant to your insurance policy or request for a quotation for a policy. This will depend on the nature of the policy but could include details of your property or business activities
- Information relevant to your claim or your involvement in the matter giving rise to a claim
- Information relating to previous quotations, policies, or claims
- Financial information such as your bank details, credit card and payment details, bankruptcy and company directorship information, and information obtained as a result of our credit checks and those carried out by third parties such as a credit provider
- Information obtained through our use of cookies. You can find more information about this in our Cookie Policy
- Website browsing history
- Information captured during our telephone calls, whether inbound and outbound
- Your marketing preferences
- IP address
- Device ID information
How do we collect your information?
We collect personal information from a number of different sources including:
- Directly from you or from someone else on your behalf
- From introducers, partners, and MGAs (managing general agents)
- From other third parties involved in your insurance policy or claim such as your insurer, another broker, claimants, defendants, or witnesses
- From other third parties who provide a service in relation to your insurance policy or claim such as loss adjusters, claims handlers, and other service providers
- From claims services providers
- From third party data providers and through publicly available sources such as internet search engines and social media sites
- Through customer surveys and responses to various marketing campaigns
- From inbound and outbound phone calls
- From credit reference agencies
- Through insurance industry fraud prevention and detection databases and sanctions screening tools
- From government agencies such as HMRC and from professional regulators
Why do we collect personal information?
When you first become a client or whenever you acquire or renew a product from us, we need to collect some of your personal information. Common purposes for which we collect your personal information are to:
- Enable us to acquire or renew an insurance policy for you
- Assist you and assess your ongoing needs for insurance
- Assess your need for other products, such as financial products, and to offer them to you
- Ensure your information is accurate and up-to-date
- Protect us both against error or fraud
Who do we share your information with?
Unless required by the law, we would never share your personal data without the appropriate and necessary care and safeguards being in place.
Disclosures to third parties
We also disclose your information to the third parties listed below for the purposes described in this Privacy Policy. These might include:
- our insurance partners such as other insurance intermediaries, insurers, reinsurers, introducers, or other companies who act as insurance distributors (including the cancellation of your policy, should you choose to do so)
- insurance reference bureaus
- other third parties who assist in the administration of insurance policies such as loss adjusters, claims handlers, accountants, auditors, lawyers, and other experts
- fraud detection agencies and other third parties who operate and maintain fraud detection registers
- our regulators
- the police and other third parties or law enforcement agencies where reasonably necessary for the prevention or detection of crime
- other insurers who provide our own insurance
- industry bodies
- online search engines
- social media platforms
- our third party service providers such as IT suppliers, actuaries, auditors, lawyers, marketing agencies, payment processing agencies, document management providers, and tax advisers
- third parties who undertake analysis for the purposes of product improvement
- data providers who support us with developing our products and services
- selected third parties in connection with the sale, transfer, or disposal of our business. We will ensure that such third parties have the appropriate technical and organisational measures in place to safeguard your data
We (or third parties acting on our behalf) may store or process information that we collect about you in countries outside the European Economic Area (EEA). Where we make a transfer of your personal information outside of the EEA we will take the required steps to ensure that your personal information is protected. We do this by using the EEA approved standard contractual clauses.
How long do we keep personal information for?
We will only keep your personal information for as long as reasonably necessary to fulfil the relevant purposes set out in this Privacy Policy and in order to comply with our legal, statutory, and regulatory obligations – in particular, for so long as there is any possibility that either you or we may wish to bring a legal claim under the insurance policy, or where we are required to keep your personal data due to legal or regulatory reasons.
Keeping your personal data accurate
You must inform us immediately if any of your personal information or personal sensitive information changes. It is your contractual responsibility to do this. If you fail to do so this could invalidate your policy or prevent the settlement of a claim.
You can inform us of your change in personal information by contacting us at info@newpointbrokers.com or by calling us on +44 (0)203 983 3303.
Accessing our Website and Cookies
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.
We may use cookies and/or pixel tags on some pages of our website. 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. Pixel tags usually work together with cookies to help us to give you a more tailored service. 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. Useful information about cookies, including how to remove them, can be found at http://allaboutcookies.org.
Internet browsers normally accept cookies by default, although it’s possible to set a browser to reject cookies. 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.
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.
Your rights
Under data protection law you have certain legal rights in relation to the personal information that we hold about you.
Please note:
- in some cases we may not be able to comply with your request (e.g. we might not be able to delete your data) for reasons such as our own obligations to comply with other legal or regulatory requirements. However, we will always respond to any request you make, and if we can’t comply with your request we will tell you why
- in some circumstances exercising some of these rights (including the right to erasure, the right to restriction of processing, and the right to withdraw consent) will mean we are unable to continue providing you with cover under the policy and may therefore result in the cancellation of the policy. You will therefore lose the right to bring any claim or receive any benefit under the policy, including in relation to any event that occurred before you exercised your right of erasure, if our ability to handle the claim has been prejudiced. Your policy terms and conditions set out what will happen in the event your policy is cancelled
- For some policies no refunds will be payable on cancellation, for other products a refund may be payable
Your rights include:
- The right to access your personal information You are entitled to a copy of the personal information we hold about you and certain details of how we use it. There will not usually be a charge for dealing with these requests. Your information will usually be provided to you in writing, unless otherwise requested, or where you have made the request by electronic means, in which case the information will be provided to you by electronic means where possible.
We will require you to provide;- Your full name
- Policy Number
- Signed consent form from policyholder
- 2 Identification documents i.e. copy of recent utility bill or bank statement and passport or photo driving licence
- The right to rectification We take reasonable steps to ensure that the information we hold about you is accurate and complete. However, if you do not believe this is the case, you can ask us to update or amend it
- The right to erasure (also known as ‘the right to be forgotten’) In certain circumstances, you have the right to ask us to erase your personal information. Examples would include where the data is no longer required for the original purpose, consent has been withdrawn and there no overriding grounds for continuing the processing, or for compliance with the national law or for legal or regulatory obligations. There are occasions when a request made under data protection law is overridden by other legal and statutory data retention requirements
- The right to restriction or suspension of processing In certain circumstances, such as a question over its accuracy, you are entitled to ask us to stop using your personal information or to suspend its use.
- The right to data portability In certain circumstances, you have the right to ask that we transfer any personal information that you have provided to us to another third party of your choice.
- The right to object to marketing You can ask us to stop sending you marketing messages at any time. To STOP receiving all marketing communications from us please email info@newpointbrokers.com
- The right to object to processing For certain uses of your personal information, we will ask for your consent. This consent can take the form of an action or affirmative instruction. Where we do this, you have the right to withdraw your consent to further use of your personal information. In other circumstances we may process your data using legitimate interest, and again you have the right to withdraw this right of processing, unless it is necessary in connection with our legal rights.
- The right to lodge a complaint with the ICO We would hope that you will always raise any issues with us first, and that we will be able to resolve them to your satisfaction. However, if this isn’t possible then you always have a right to complain directly to the Information Commissioner’s Office (ICO) if you believe that any use of your personal information by us is in breach of applicable data protection laws and regulations.
Please see below for contact details of the ICO:
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Tel: 0303 123 1113 (local rate) or 01625 545 745 (national rate)
Email: icocasework@ico.org.uk
Making a complaint will not affect any other legal rights or remedies that you have.
Withdrawal of consent
Where you have provided your specific consent to the use of personal data, you may withdraw that consent by contacting us: Newpoint Insurance Brokers Limited 17 Bevis Marks London tel +44 (0)203 983 3303 ; email: info@newpointbrokers.com
How we protect your information
Once we have received your data, we will ensure that it is treated with the utmost respect and in accordance with the GDPR, DPA and any applicable regulations. We follow strict security procedures in order that the data we collect is stored and disclosed appropriately and securely.
We use a wide range of organisational and technical security measures to protect your information. This includes regular and thorough staff training about data security and data rights.
We restrict access to your information as appropriate within Newpoint Brokers Ltd to only those who absolutely need to know that information for the purposes set out above.
Firewalls are used to block unauthorised traffic to the servers and the actual servers are located in a secure location which can only be accessed by authorised personnel. Our internal procedures cover the storage, access and disclosure of your information.
Unfortunately, the transmission of any information via the internet is not completely secure. Although Newpoint Brokers Ltd will do its best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk.
Contacting us
If you have any questions about how we collect, store or use your personal information, you may contact our Compliance Department at: info@newpointbrokers.com