Assurant® Protect Your Bubble Website Privacy Notice

 

This Website https://uk.protectyourbubble.com/ (the "Service") is operated by Assurant Direct Limited, with mailing address of with mailing address of PO Box 98, Blyth, NE24 9DL, a member of the Assurant, Inc. group of companies (hereinafter, “We”, “Us”, or “Our”). Assurant Direct Limited is the data controller of your Personal Information in the context of the Service.

  • This Privacy Notice (“Notice”) describes how We will process and protect personal information relating to an identified or identifiable individual (“Personal Information”) when you use the Service, which allows users to purchase Our products, create an account, access policy documents and forms (for example, view policy terms and conditions, print certificates of coverage, print claims forms), make payments, and contact customer support (for example, through the chat function on Our Website), and applies to your use of the Service.
  • We also use the Personal Information to provide Our insurance or product services to you, to communicate with you, and to track usage of the Service and Our products and services.
  • Your Personal Information shall be held and used in accordance with applicable legislation relating to the protection of Personal Information (the “Applicable Law”).
  • Your Personal Information will be shared with other Assurant affiliates and service providers, some of which are located outside the EEA and are not subject to an adequacy decision of the European Commission.
  • Automated decisions may be taken about you, for example to determine your eligibility for Our products and services, the costs of our products and services and the viability of claims that you make under Our products and services (see “Automated Decision Taking” for further information)
  • Where We rely on your consent, such as for the placement of cookies and sending of promotional communications, you can withdraw this consent at any time.
  • This Notice sets out more details of this processing, including details of your data protection rights, such as your right to object to certain processing (see “Your Choices and Rights” for further information).

This Notice applies to the Service only and does not necessarily reflect practices with respect to information gathered through other services We offer or websites We operate or the collection of information through off-line means. To review the privacy practices of those other services, please refer to the policies provided in association with each.

 

1.            Personal Information We Collect

We collect your Personal Information in the following situations:

1.1.   When you Request a Quote
We collect Personal Information from you when you request a quote for our products or services through the Service. We ask you to provide information about yourself and your device (such as manufacturer, model, purchase date, and IMEI number).

1.2.   When you Make a Purchase
We collect Personal Information from you when you make a purchase on the Service. To make a purchase through the Service, We ask individuals to provide Us with their full name, contact details (for example - postal address, telephone number, email address), banking information (for example – bank name, sort code, account number), date of birth and communication preferences.

1.3.   When you Create an Account
We collect Personal Information from you when you create an account on the Service. To create an account on the Service, We ask users to provide Us with their full name, contact details (for example - email address), date of birth, security questions (for example – mother’s maiden name), password and communication preferences. We will also collect your Internet Protocol (“IP”) address.

1.4.   When you Submit a Payment
We collect Personal Information from you when you make a payment (for example - an excess payment). We ask you to provide Us with payment details: cardholder name, payment or debit card number, CVC, and expiry date.

1.5.   When you communicate with Us or contact Us for Customer Support
When you contact Our customer support team through the chat function on Our Website or when you call Us (for example, when you enquire about the status of your account or claim), We will collect information that you provide to Us in your communications (such as the query or issue that you have raised, information relating to your device, information relating to your existing policy if you are communicating with Us about a claim, or payment card information if you are communicating with Us about premium payment). We will also collect your responses to surveys about Our products and services and the Service, if you choose to participate.

1.6.   When you access the Service
We collect information about devices used to access Our Service and functionalities of the Service (such as the chat function). This includes IP address, operating system and version, browser used and version, language preferences, time zone, screen settings and site visited before arriving on Our Website. Additionally, We use cookies and similar technologies such as web beacons to collect information about how you use and navigate Our Service (for example, the pages that you view and links that you click). We use cookies to help Us recognize you, improve your experience, increase security, and measure use and effectiveness of Our services. For more information about the cookies We utilize on the Service, please view Our Cookie Notice.

 

2.            Purposes and Legal Basis for the Processing of your Personal Information

We process your Personal Information for the following purposes:

  • To fulfil a contract, or take steps linked to a contract: this is relevant where you have entered into, or are taking steps to enter into, an insurance contract with Us, or where you submit a claim. This includes:
    • providing you with a quote;
    • providing the Service or amending the Service at your request;
    • overifying your identity;
    • processing your claim;
    • taking payment from you;
    • making reimbursement payments to you; and
    • communicating with you.
  • As required by Us to conduct Our business and pursue Our legitimate interests, in particular:
    • We will use your Personal Information to provide the Service and other products and services that you have requested, to communicate with you and to respond to any comments, queries or complaints you may send Us;
    • We monitor use of the Service, and use your Personal Information to help Us to track and analyse preferences and trends, evaluate possible new features, functionality and services, and improve Our Service.
    • We use Personal Information to help Us recognize you on the Service, improve your experience, increase security of Our networks and systems, and measure use and effectiveness of Our Service.
    • We use Personal Information you provide to investigate complaints received from you or from others, about the Service or Our products and services. We also use this Personal Information to track potential issues (for example, issues with fulfilment of services) and trends to better serve you;
    • We use Personal Information to make decisions about, and to effect, reorganizations or sales of all or part of Our business;
    • We monitor customer accounts to prevent, investigate and/or report fraud, misrepresentation, or crime, in accordance with Applicable Law;
    • We will use Personal Information in connection with legal claims (for example, relating to denial of an insurance claim), compliance, regulatory and investigative purposes (for example, theft and fraud investigations) as necessary (including disclosure of such information in connection with legal process or litigation);
    • We use Personal Information of some individuals to invite them to take part in market research and customer surveys; and
    • We use Personal Information to send you information about Assurant products and services, such as customer experience surveys (where your consent is not required).
  • Where you give Us consent:
    • We place cookies and use similar technologies in accordance with Our Cookie Notice <<make this a link to the Cookie Notice and the information provided to you when those technologies are used;
    • We use Personal Information to send you information about Assurant products and services, special offers and similar (where your consent is required); and
    • On other occasions where We ask you for consent, We will use the data for the purpose which We explain at that time.
  • For purposes which are required by law:
    • In response to requests by government or law enforcement authorities conducting an investigation; and
    • Responding to complaints where We are under a legal or regulatory obligation to adhere to a complaints handling procedure.
  • Relying on Our legitimate interests
    • We have carried out balancing tests for all the data processing We carry out on the basis of Our legitimate interests, which We have described above. You can obtain information on any of Our balancing tests by contacting us.
  • Withdrawing consent
    • Wherever We rely on your consent, you will always be able to withdraw that consent, although We may have other legal grounds for processing your data for other purposes, such as those set out above. Where you have given Us your consent, you can withdraw it by using the mechanism described to you at the time that your consent was obtained, or by contacting Us.

 

3.            Automated Decision Taking

In certain circumstances, decisions about you will be taken by solely automated means:

Providing you with a quote: Where you request a quote from Us for an insurance policy, such as for a gadget or mobile phone, information such as your current level of cover and your new gadget and/or mobile phone are processed to determine whether the requested changes can be made to your policy and, if so, whether an additional premium is necessary. The consequences of this automated decision taking will be that you are either denied from making the requested change, are permitted to make the requested change with a charge, or are permitted to make the requested change with no charge. If you do not agree with the result of a decision taken by solely automated means, you can request human review of the decision, express your point of view, and obtain an explanation of the decision and challenge it. If you wish to do so, please contact Us.

 

4.            Disclosure of Personal Information

4.1   Disclosure to Our Affiliates

We will disclose your Personal Information to other Assurant group companies for the purpose of performing tasks that directly relate to the provision of the Service. For example, We may share your information with Our affiliates to service your account or claim (if you have an iPhone, We may use Our Assurant group company information systems to support sharing of your device IMEI with Apple, and may also share your name and contact details as necessary).

4.2   Disclosure to Our Service Providers and Partners

We employ third party companies and individuals to facilitate the Service (in particular, third parties assist Us with customer support, the customer chat function on Our Website, communications, audit, application or database hosting, development, logistics, payment processing, other insurance products (for example, reinsurers), and fraud detection and prevention. These third parties have limited access to your Personal Information to perform these tasks on Our behalf and are obligated to Us. The personnel of such third parties who use your Personal Information is limited to those individuals which are authorized to do so on a need-to-know basis and as necessary to provide these business services to Us. To fulfil your service your account or claim, We may share your name, contact details (including postal address, email address and mobile number), and IMEI of your covered device with the manufacturer. For example, if you have an iPhone, then We will share your device IMEI with Apple, and may also share your name and contact details as necessary. We do not authorize such third parties to disclose or use this Personal Information for other purposes.

4.3   Disclosure to Public Authorities

We may disclose your Personal Information if required for the purposes above, if mandated by law or if required for the legal protection of Our legitimate interests in compliance with Applicable Law.

4.4   Other Categories of Recipients

We may also disclose your Personal Information, usage information, and other information about you to parties acquiring part or all of Our assets, as well as to attorneys and consultants. Also, if any bankruptcy or reorganization proceeding is brought by or against Us, your Personal Information may be considered a company asset that may be sold or transferred to third parties.

 

5.            Where your Data is Processed

In providing the Service, Personal Information may be transferred to, and processed in, countries where data protection and privacy regulations do not offer the same level of protection as the European Economic Area (“EEA”) and other parts of the world.

Sharing Personal Information with Our affiliates involves transfers outside the EEA to the US. For example, if We share your data with other Assurant group companies to service your account, that data will be processed by Our affiliate located in the United States.

Sharing Personal Information with Our Service Providers and Partners may also involve transfers outside the EEA, to the US. For example, if We share your data with Apple Distribution International, that data will be processed and managed by Apple, Inc. which is located in the United States. Similarly, if you use the chat function available on Our Website, your Personal Information is transferred to Our service providers in the US.

Where Personal Information is transferred outside the EEA to a country that is not subject to an adequacy decision by the EU Commission, it is adequately protected by European Commission approved Standard Contractual Clauses, an appropriate Privacy Shield certification or a vendor’s Processor Binding Corporate Rules. To obtain a copy of the relevant transfer mechanism or additional information on the transfers, please address these requests to Us.

 

6.            Your Choices and Rights

In some countries, you have the right to request access to, correction of, and deletion of your Personal Information, and to restrict the processing of your Personal Information, under Applicable Law. You also have the right to request a structured commonly-used and machine-readable copy of Personal Information that you have provided to Us for a contract or with your consent, and to ask Us to transmit (port) this Personal Information to another controller.

You may also object to Our processing of Personal Information in certain circumstances (in particular, where We don't need to process the information to meet a contractual or other legal requirement, or where We are using the data for customer experience surveying purposes (see section 2).

You can exercise any of your rights, or obtain other information, such as a copy of a legitimate interests balancing test, by contacting Us. In order to safeguard your Personal Information from unauthorized access, We may ask that you provide sufficient information to identify yourself prior to providing access to your Personal Information.

In certain situations, and subject to Applicable Law, We may not be able or obliged to comply with part or all of your individual requests. For example, We may not comply with an access request if doing so would reveal Personal Information about another person, or comply with a deletion request relating to information which We are required by law to keep or have compelling legitimate interests in keeping. Please note that We have the right to refuse requests which are manifestly unfounded or excessive (for example, due to their repetitive character). Relevant exemptions are included in both the GDPR and in the Data Protection Act 2018. We will inform you of relevant exemptions We rely upon when responding to any request you make.

If you have unresolved concerns, you have the right to complain to an EU data protection authority ('supervisory authority') where you live, work or where you believe a breach may have occurred.

To provide certain parts of the Service (for example - Purchasing a Product, Creating an Account and Making Payment), the provision of Personal Information is mandatory: If relevant data is not provided, then We will not be able to provide certain parts of the Service. All other provision of your information is optional. If you do not wish to provide optional information, then your experience on Our website may be less personalized.

 

7.            Communications from Us

We communicate with you through email, SMS and the Service. We will send you service-related communications (for example, “Your device has been shipped”), marketing and promotional messages (with your consent if required) customer satisfaction and market research surveys.

You can change your email, SMS and contact preferences by contacting customer support. Opt out: You may opt out of receiving marketing and promotional messages from Us by using the opt out link in emails sent by Us or by replying “Stop” to text messages sent by Us to you or contacting customer support.  We will request your consent prior to sending you marketing and promotional messages, where required.

 Please be aware that you cannot opt-out of receiving service-related messages from Us.

 

8.            Data Retention

We retain Personal Information you provide as needed to provide the Service. We may retain your Personal Information if retention is reasonably necessary to comply with Our legal obligations, meet regulatory requirements, resolve disputes, prevent fraud and abuse, or enforce this Notice and Our Site Terms & Conditions. We may retain Personal Information for a limited period of time if requested by law enforcement. Our customer support may retain information for as long as is necessary to provide support-related reporting and trend analysis only, but We generally delete or de-personalize transaction-related data consistent with this Notice. Once Personal Information is anonymized, We may retain and use such information. Additionally, We maintain logs and backups for security, debugging, and site stability purposes for up to 30 days after your transaction has been completed.

We typically delete logs and other backup information through the deletion process within 30 days of your last activity, except as noted in Section 5. Where We process registration data, We do this for as long as you are an active user of Our Website and for 6 years after this. Where We process Personal Information in connection with performing a contract, We keep the data for 6 years from your last interaction with Us. We also retain communications that you send to Us (for example, via email and the chat functionality) for 6 years. Transcripts of communications sent via the chat functionality on Our Website are stored for 13 months.

 

9.            Information Security

We have implemented safeguards designed to protect your Personal Information in accordance with industry standards.

We have measures in place to restrict access to Personal Information to those individuals whom We know have a valid business purpose to have access to such data. We maintain physical, electronic and procedural safeguards. We follow generally accepted standards designed to protect the Personal Information submitted to Us, both during transmission and once We receive it. We require those who provide services for Us and to whom We provide Personal Information collected through the Service to keep such information secure and confidential. However, no method of transmission over the Internet or method of electronic storage is totally secure. Therefore, We cannot guarantee its absolute security.

 

10.            Important Information

10.1   Minimum age

We do not knowingly collect Personal Information from anyone under the age of 18. You must be at least 18 years of age to use the Service.

10.2   Changes to this Notice

We may update this Notice from time to time. If We make any material changes to Our Notice, We will notify you by email or by means of a notice through the Service, or by other means prior to the change becoming effective, so that you may review the changes before you continue to use the Service. Please review changes carefully.

10.3   Contact Us

For customer enquiries, please contact Us at: Lifestyle Services Group Limited., PO Box 98, Blyth, NE24 9DL, or call us.

We welcome your questions or comments regarding this Notice. Please write to Our local office Assurant Direct Limited (an Assurant group company), Data Protection Officer, PO Box 98, Blyth, NE24 9DL, or call us, or send Us an email at dataprotectionofficer@assurant.com. You may also write to Us at Assurant Privacy Office, Post Office Box 979047, Miami, FL 33197-9047, USA.

 

Effective date: 16th October 2018

 

Cookie Notice 

We use cookies and other online tracking devices (such as web beacons, action tags, Local Shared Objects (‘Flash cookies’) and single-pixel gifs) all of which we refer to as ‘cookies’ for the purposes of this cookie notice, to help Us recognize you, improve your experience, increase security and measure use and effectiveness of Our website. Cookies are small text files that are placed on your computer by websites that you visit. We use both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your device for a set period of time or until you delete them).

 

Improve User Experience

We use cookies and similar technologies, to help Us recognize you, improve your experience, increase security, and measure use and effectiveness of Our Services. Long duration cookies may be used when accessing the website. We use this information to analyze traffic patterns and improve the Service. If you prefer not to accept cookies into your browser, the help portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. However, disabling cookies may result in certain parts of the website and resources not operating correctly or prevent you from taking full advantage of some of the features of the Service. We use session ID cookies to make it easier for you to navigate Our site.

Our website uses Google Analytics, a web analysis service provided by Google, in order to better understand your use of Our website, and how We can improve the Service. In general, Google Analytics collects information such as visits to a website, what pages are visited, and what other website you visited immediately prior to coming to a particular website. Google Analytics collects only the IP address assigned to you on the date you visit a website, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with other Personal Information identifying you. Although Google Analytics places a long duration cookie on your web browser to identify you as a unique user the next time you visit a website, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to Our website is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. Google utilizes the data collected to track and examine the use of the website, to prepare reports on its activities and share them with other Google services. Google may use the data collected on Our website to contextualize and personalize the ads of its own advertising network. To more fully understand how Google may use the data it collects on Our website, please review the Google article “How Google uses data when you use Our partners' sites or apps,” located on Google’s website or any successor URL.

Some browsers offer a “Do Not Track” (“DNT”) signal whereby you may indicate your preference regarding tracking and cross-site tracking. Although We do not currently employ technology that recognizes DNT signals, We will only process your Personal Information in accordance with this Notice.

 

Analyse Website’s Performance

We collect Personal Information, on an individual and collective basis, to track and analyse preferences and trends, improve the quality of the Service, evaluate possible new features, functionality and services, and improve Our Service. We collect information when you use Our website, and may use third party analytics tools to evaluate user traffic. For example, We collect information when you view a page or click on a link. Additionally, We collect log in information about devices used to access Our Service, including IP addresses.

 

What types of cookies are used on this website?

We use first party and third party cookies on this Website. The cookies used on our website can be categorized in the following ways:

 

•             Essential cookies: These cookies are essential in order to enable users to navigate the web site and use its features, such as accessing secure areas of the website. Without these cookies, services that you have requested, such as shopping baskets or e-billing, cannot be provided. These cookies don’t gather information about you that could be used for marketing or remember where you've been on the Internet.

•             Performance cookies: These cookies collect information about how users use a website, for instance which pages users go to most often, and if they get error messages from web pages. These cookies don't collect information that identifies a user. The information these cookies collect is anonymous and only used to improve how a website works.

•             Functional cookies: These cookies allow a website to remember preferences (such as language or region) and offer improved and customized functions. The information that these cookies collect can be anonymous and they may not record your browsing activity on other websites.

•             Targeting cookies or advertising cookies: These cookies collect information about your browsing habits in order to make advertising more relevant to you and your interests. They are also used to limit the number of times you see an advert as well as help measure the effectiveness of an advertising campaign. The cookies are usually placed by third party advertising networks. They remember the websites you visit and that information is shared with other parties such as advertisers. For example, we use third party companies, such as Adalyser, to provide you with more personalised adverts when visiting other websites.

•             Social Media Cookies: These cookies allow you to share what you’ve been doing on the website on social media such as Facebook and Twitter. These cookies are not within our control. Please refer to the respective privacy policies for how their cookies work.

 

Some of Our Web pages may contain electronic images known as Web beacons (sometimes known as clear gifs) that allow Us to count users who have visited these pages. Web beacons collect only limited information which including a cookie number, time and date of a page view, and a description of the page on which the Web beacon resides. We may also carry web beacons placed by third party advertisers. These beacons do not carry any personally identifiable information and are only used to track the effectiveness of a particular campaign.

 

The table below explains the types of cookies we use and why.

 

Cookie Type

Cookie Name

Cookie Purpose

Choice

Essential

ASP.NET_SessionId

This cookie contains anonymous information about the browser session and uses this information to store your session while browsing our site. This includes examples like: (a) remembering previous actions (e.g. user entered text, or purchases added to “carts”) when navigating back to a page in the same session; (b) managing and passing security tokens to different services within a website to identify the visitor’s status (e.g. logged in or not); (c) to maintain tokens for the implementation of secure areas of the website.; (d) to route users to specific versions/applications of a service, such as might be used during a technical migration.

Asp.net uses these to store a unique ID for the customer’s session.

For info on how to opt out please read “How do I change my cookie settings?” below

Performance

sf-trckngckie

This cookie supports our website with usage tracking, data and statistics on the platform's effectiveness. This cookie logs the pages the customer visits to understand the customers journey on our website. It allows the customer to navigate around the website effectively.

For info on how to opt out please read “How do I change my cookie settings?” below

Essential Functionality

Essential - PYB

MYBUBBLESID

This enables an existing customer to be logged in and view their personal and policy information.

 

For info on how to opt out please read “How do I change my cookie settings?” below

Performance - PYB

Functionality

loggedUser

userFname

userLname

This cookie, allows the display of a user’s name on screen when the customer is logged in.

For info on how to opt out please read “How do I change my cookie settings?” below

Performance - PYB

Functionality

_dc_gtm_UA-90690411-6

_gat_UA-90690411-6

Google Tag Manager cookies allow us to analyse and record the behaviour of visitors from partnership sites and external traffic. See https://developers.google.com

To opt out, visit http://tools.google.com/dlpage/gaoptout

Performance - PYB

Functionality

_dc_gtm_UA-5868719-22

_gat_UA-5868719-22

Google Tag Manager cookies, these cookies report on generic traffic behaviour. See https://developers.google.com

To opt out, visit http://tools.google.com/dlpage/gaoptout

Performance - PYB

Functionality

__ar_v4

DoubleClick advertising service from Google. See https://www.adrollgroup.com/privacy

 

For info on how to opt out please read “How do I change my cookie settings?” below

Performance - PYB

Functionality

_ga

_gali

_gid

These cookies are used by Google Analytics, which monitors traffic levels, search queries and visits to our websites. Google Analytics stores internet protocol (‘IP’) addresses on its servers in the US. An IP address is a unique number assigned to each device (such as your computer) that allows it to communicate with other devices on a computer network (such as modems, printers or other computers). Neither we nor Google associate your IP address with any information that can identify the user personally. These cookies enable Google to determine whether you are a return visitor to the site, and to track the pages that you visit during your session. For more information about Google analytic cookies, please see Google's privacy policy.

To opt out, visit http://tools.google.com/dlpage/gaoptout

Performance Advertising

Performance - PYB

_gac_UA-5868719-22

Advertising cookie from Google. Contains campaign related information to support Google Adwords.

To opt out, visit http://tools.google.com/dlpage/gaoptout

Performance

_aw_m_2362

This cookie allows us to record transactions that have occurred on our site that originated from partner sites.

For more information please see https://www.awin.com/gb/legal/privacy-policy.

 

For info on how to opt out please read “How do I change my cookie settings?” below

Performance

aggregator

 

This cookie allows us to track a sale where the sale has come from an aggregator. Aggregators are websites that collect pricing together from multiple sources.

For info on how to opt out please read “How do I change my cookie settings?” below

Performance

lantern

This cookie confirms completed sales in a management information system. We use this cookie to monitor traffic coming to the Protect Your Bubble website from affiliate and aggregate website such as monitoring sales performance from external sources. It allows us to monitor performance and improve our service.

For info on how to opt out please read “How do I change my cookie settings?” below

Functional

imendCookie

iMend is a third party company that provides a repair service for Protect Your Bubble customers with a previously broken screen. This cookie allows us to measure the total number of customers who visit iMend from Protect Your Bubble and buy a repair from them.

For info on how to opt out please read “How do I change my cookie settings?” below

Functional

cookieWarningDismissed

Once a visitor clicks the Accept button on the cookie message banner, this cookie is used to hide the banner for the duration of their visit.

For info on how to opt out please read “How do I change my cookie settings?” below

Functional

Uetsid

sn.tpc

sn.vi

These cookies are for our partner company to provide personalised and relevant chat services by monitoring visitor browsing behaviour. This allows the chat moderator to review what the customer has done on the website to assist in the fulfilment of a customer request via a live chat console.

For info on how to opt out please read “How do I change my cookie settings?” below

Functional

ABTasty

ABTastyNPS

ABTasatySession

This cookie allows Protect Your Bubble to run tests of differing functionality between different groups of visitors, in order to improve customer experience.

For info on how to opt out please read “How do I change my cookie settings?” below

Functional – Performance

_adal_ca

_adal_cw

_adal_id

_adal_ses

These Adalyser (TV) cookies take a snapshot of web traffic around the time an advert is aired on television. These cookies allow us to effectively measure the resulting change in traffic volumes from our TV advertising to measure Ad effectiveness.

For info on how to opt out please read “How do I change my cookie settings?” below

Advertising

_gac_UA-90690411-6

This cookie contains campaign related information to support Google Adwords, specifically if a visitor does not complete a purchase. This allows us to effectively provide that visitor with relevant targeted advertising via Google’s advertising network, with the aim of the customer returning to complete a purchase.

For info on how to opt out please read “How do I change my cookie settings?” below

To opt out, visit http://tools.google.com/dlpage/gaoptout

 

 

 

How do I change my cookie settings?

 

If you prefer not to accept cookies into your browser, the help portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. However, disabling cookies may result in certain parts of the website and resources not operating correctly or prevent you from taking full advantage of some of the features of the Service. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit http://www.aboutcookies.org/ or http://www.allaboutcookies.org/.

If you are in the EU and would like to opt out of third party cookies relating to behavioural advertising, please go to www.youronlinechoices.eu. Opting out does not mean you will no longer receive online advertising. It does mean that the company or companies from which you opted out will no longer deliver ads tailored to your web preferences and usage patterns.

The following links show how to disable cookies in different browsers:

•             Setting cookie preferences in Internet Explorer

•             Setting cookie preferences in Firefox

•             Setting cookie preferences in Chrome

•             Setting cookie preferences in Safari web and iOS.

This Cookies Notice should be read in conjunction with Our Privacy Notice. If you have any questions or concerns about the Cookies Notice or its implementation you may contact Us.

Effective date: 16th October 2018

 

Data Protection – How We Handle Your Personal Information

Assurant General Insurance Limited (part of the Assurant, Inc. group companies), registered in England No. 2341082, with mailing address at PO Box 98, Blyth, NE24 9DL, is committed to preserving the privacy of our customers. Please read the following privacy notice to understand how we, as a data controller, collect, use and protect the personal information that you (“Policyholder” or “you”) provide to us for purposes of providing the insurance policy (“Policy”) to you.

 

Personal information that we collect from you

We collect and use the following personal information from you as part of providing your Policy to you:

• Name and contact details (e.g., postal address, telephone number, mobile number, email address, etc.);

• Policyholder information (e.g., policy number, certificate number, billing and payment history, etc.);

• Claims information (e.g., claim number, date of loss and reason, call history, loss details, Police reference number and supporting documentation, covered device information (including make, model, serial number, IMEI), etc.);

• Records of any correspondence regarding any specific enquiry; and

• Feedback that you provide on our services (including through customer experience surveys).

 

You can choose whether or not you provide this information to us, but if you decide not to do so, we will be unable to provide services under this Policy to you.

 

This information is intended to be used by Assurant General Insurance Limited for the following purposes:

• Performance of our obligations under the Policy and provision of the benefits under this Policy and including claims management. We use your information for these purposes where necessary for the performance of your contract of insurance with us.

• For statistical analysis, customer experience surveys (where permitted and in compliance with applicable laws), performing internal administrative functions, handling customer enquiries, managing customer relationships and evaluating the appropriateness of this Policy and its benefits. We use your information for these purposes where necessary for pursuit of our legitimate interests (monitoring and improving our offerings and our customer experience and administering our internal processes).

• Risk evaluation and management (including operational risk), debt recovery, fraud and payment default prevention and evidence management. We use your information for these purposes where necessary for pursuit of our legitimate interests (protecting our business from fraudulent activity and recovering sums due).

• Anti-money laundering, anti-terrorism efforts and sanctions screening. We use your information for these purposes where necessary for compliance with our legal obligations.

 

Personal information that we collect from other sources

We also collect and use personal information about you from third parties. We will receive your name, contact information (including postal address and telephone number), customer number and policy information (e.g., level of cover), and bank account information (such as sort code and account number) from your bank or financial institution (through whom you have procured this insurance product) to enable us to administer and perform your contract of insurance with us.

 

We also receive information about you (relating to your identity and previous claims made) from fraud prevention agencies, financial institutions and similar organisations to help us to make decisions on insurance policies and claims for you; trace debtors, recover debt, prevent fraud and to manage your insurance policy and any claims; check your identity to prevent money laundering; and undertake additional fraud searches, where necessary in pursuit of our legitimate interests in protecting our business from fraudulent activity and recovering sums due.

 

Who we share your personal information with

Your personal information will be disclosed to other Assurant group companies (such as Assurant group companies located in the United States to fulfil your claim if you have an Apple device), our service providers (such as Assurant Direct Limited, an Assurant group company located in the United Kingdom), other insurance companies (e.g., reinsurers), and to any other entity or service provider contractually obligated to us for the purpose of performing tasks that directly relate to the above-described purposes.

 

To fulfil your claim, we also share your name, contact details (including postal address, email address and mobile number), and IMEI of your covered device with the manufacturer. For example, if you have an iPhone, then we will share your device IMEI with Apple, and may also share your name and contact details as necessary.

 

In order to prevent or detect fraud or other criminal activity we share information about you with other organisations and public bodies including law enforcement agencies; within the Assurant group companies and with other insurers; with recognised centralised insurance industry claims review systems, where your details may be checked and updated; with fraud prevention agencies and databases - if you give us false or inaccurate information and we suspect fraud, we record this with fraud prevention agencies.

 

Your personal information will also be disclosed to public bodies and organisations in order to satisfy our legal and regulatory obligations, where required.

 

Where we send your personal information

With respect to the aforementioned purposes, your personal information may be transferred outside the European Economic Area to countries that do not have equivalent data protection laws (for example, if we share your data with Apple Distribution International – or ADI – that data will be processed and managed by Apple, Inc. which is located in the United States). To ensure an adequate level of security and protection, these transfers will be secured by standard contractual clauses adopted by the European Commission, in line with applicable law. The Policyholder may request information about these international transfers, and/or request access to a copy of our standard contractual clauses using the contact details provided below.

 

How long we keep your personal information

Your personal information will be retained as long as necessary for the performance of the contract of insurance and for as long as required or permitted by applicable law or regulation. Where we process personal information in connection with performing a contract, we keep the data for 6 years from your last interaction with us.

 

How and why we will contact you

We may contact you by post, mobile phone, text, or email to obtain your views on our services and to let you know about important changes to the services which we are providing or to ask you to complete a customer satisfaction survey. Any information that you provide to us in response to these communications will not be used or disclosed other than in accordance with this privacy notice, or without your permission, unless required by law. If you would prefer us not to contact you to obtain your views and feedback on the service or you change your mind in the future and would like us to stop contacting you for this purpose, you can request this at any time by calling us on 0330 3334792 or in writing to: Assurant General Insurance Limited, PO Box 98, Blyth, NE24 9DL.

 

Your rights

Pursuant to the General Data Protection Regulation and/or applicable local law, you have a right of notice, access, data portability, rectification, restriction of processing, erasure of the information we hold about you, as well as an objection right which you may exercise at any time by sending your request in writing to: Assurant General Insurance Limited, PO Box 98, Blyth, NE24 9DL.

You may also submit your request in writing to Data Protection Officer, PO Box 98, Blyth, NE24 9DL, or by sending an email to DataProtectionOfficer@assurant.com.

Please note that the exercise of such rights is not absolute and is subject to the limitations provided by applicable law.

You may address a complaint or question concerning the processing of your personal information at the above-mentioned contact details. You may also lodge a complaint with your local data protection authority, which in the UK is the Information Commissioner’s Office, in the country where you live, work, or where you consider the problem has occurred.