Fair Processing Notice

FAIR PROCESSING NOTICE (HOW WE USE PERSONAL INFORMATION)

1. Who we are

When we refer to “we”, “us” and “our” in this notice it means Home and Legacy Insurance Services Limited. It also includes where relevant to your insurance application, policy or claims the insurers who underwrite your cover. 

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.

 

2. How we use personal information

We use personal information in the following ways:

  • to provide quotes, administer policies and policyholder claims to fulfil our contract;
  • to administer third party claims, deal with complaints and prevent financial crime to meet our legal obligations;
  • to manage our business and conduct market research to meet the legitimate needs of our business;
  • to send marketing information if we have received your specific consent.

 

You have the right to object to us using your personal information. You can do this at any time by telling us and we will consider your request and either stop using your personal information or explain why we are not able to. Our contact details can be found below.

 

3. Automated decision making, including profiling

We may use profiling and automated decision making, to assess insurance risks, detect fraud, and administer your policy. This helps us decide whether to offer you insurance determine prices and validate claims. 

If you disagree with the outcome of an automated decision please contact our Operations Director by email at info@homeandlegacy.co.uk and we will review the decision.

 

4. The personal information we collect 

We collect the following types of personal information about you so we can complete the activities in section 2, “How we use personal information:”

  • basic personal details such as name, age, address and gender
  • family, lifestyle and social circumstances, such as marital status, dependants and employment type
  • financial details such as direct debit or payment card information
  • photographs and/or video to help us manage policies and assess claims
  • tracking and location information if it is relevant to your policy or claim
  • identification checks and background insurance risk details including previous claims information
  • medical information if it is relevant to your policy or claim
  • criminal convictions if it is relevant to your policy or claim
  • accessibility details if we need to make reasonable adjustments to help
  • business activities if it is relevant to your policy or claim. 

 

5. Where we collect personal information  

From you, your representatives or from publicly available sources, including
information you have made public, for example on social media.

From other persons or organisations, for example:

  • credit reference and/or fraud prevention agencies
  • emergency services, law enforcement agencies, medical and legal practices
  • insurance industry registers and databases used to detect and prevent insurance fraud, for example the Motor Insurance Database (MID), the Motor Insurers Anti-Fraud and Theft Register (MIAFTR) and the Claims and Underwriting Exchange (CUE)
  • insurance investigators and claims service providers 
  • insurers or service providers who underwrite the cover or provide the services for our products
  • other involved parties, for example claimants or witnesses.  

 

6. Sharing personal information  

We may share your personal information with:

  • other companies within the global Allianz Group - www.allianz.co.uk
  • credit reference, fraud prevention and other agencies that carry out
    certain activities on our behalf, for example; the Motor Insurance Database (MID) and the Insurance Fraud Bureau (IFB) our approved suppliers  to help deal with claims or provide our services, for example; vehicle repairers, legal advisors, loss adjusters, premium finance companies and risk surveyors
  • insurers, third party underwriters, reinsurers, insurance intermediaries, regulators, law enforcement, the Financial Ombudsman Service (FOS);
    and other organisations that provide services to us or you
  • prospective buyers in the event Allianz Holdings plc wishes to sell all or part of its business. 

 

7. Transferring personal information outside the UK 

We use servers located in the European Union (EU) to store your personal information where it is protected by laws equivalent to those in the UK. We may transfer your personal information to other members of the global Allianz Group to manage your insurance policy or claim; this could be inside or outside the EU. We have Binding Corporate Rules (BCR’s) which are our commitment to the same high level of protection for personal information regardless of where it is processed. These rules align with those required by the European Information Protection authorities. If you would like more information about the BCR’s please contact our Data Protection Officer. 
Some of the organisations we share your personal information with have servers outside the EU. Our contracts with these parties require them to provide equivalent levels of protection for your personal information. 

 

8. How long we keep personal information 

We keep information only for as long as we need it to administer the policy, manage our business or as required by law or contract.  

 

9. Know your rights 

You have the right to:

  • object to us using your personal information. We will either agree to stop using it or explain why we are unable to (the right to object)
  • ask for a copy of the personal information we hold about you, subject to certain exemptions (a data subject access request)
  • ask us to update or correct your personal information to keep it accurate (the right of rectification)
  • ask us to delete your personal information from our records if it is no longer needed for the original purpose (the right to be forgotten)
  • ask us to restrict the use of your personal information in certain circumstances (the right of restriction)
  • ask for a copy of the personal information you provided to us, so you can use it for your own purposes (the right to data portability)
  • make a complaint if you feel your personal information has been mishandled.
  • We encourage you to come to us in the first instance but you are entitled to complain directly to the Information Commissioner’s Office (ICO) www.ico.org.uk.
  • ask us, at any time, to stop using your personal information, if using it is based only on your consent (the right to withdraw your consent

If you wish to exercise any of these rights you can do so by contacting our Operations Director: 

Address:     500 Avebury Boulevard, Milton Keynes, Buckinghamshire MK9 2LA

Email:         info@homeandlegacy.co.uk

Phone:        0344 893 8360 

 

10. Data Protection Officer contact details

Home and Legacy Insurance Services Limited is a company within the Allianz Holdings plc group. Any queries about how we use your personal information should be addressed to our Data Protection Officer: 

Address:     Allianz, 57 Ladymead, Guildford, Surrey GU1 1DB

Email:         dataprotectionofficer@allianz.co.uk

Phone:        0330 102 1837 

 

11. Changes to our Fair Processing Notice

Occasionally it may be necessary to make changes to this notice. When that happens we will provide you an updated version at the earliest opportunity. The most recent version will always be available on our website.

Cookie Policy

Whilst using our website, some information will be collected automatically using 'cookies'.

We use cookies on our website to help us provide customers with the best possible online experience. If you continue to browse our website we assume that you are happy for your web browser to receive all cookies served by our website.

What are cookies?

A cookie is a small text file that is sent to your web browser and stored in the memory of your computer or mobile device when you visit a website. These files are useful because the information collected can be used to help create the best possible customer experience and to deliver a more user-friendly and personal online service.

Some cookies are temporary to your browsing session and deleted every time you close your browser. Other cookies remain on your device until they expire or you delete them from your device’s cache.

All information we collect through the use of cookies is collected anonymously.

What information do they not hold?

The cookies we use do not hold any data that can identify you personally, such as;

  • names
  • phone numbers
  • email addresses
  • mailing addresses
  • bank account numbers
  • credit card information.

Why do we use cookies?

  • to recognise your computer when you visit our website
  • to improve the website’s usability
  • to track you as you navigate our website
  • to analyse the use of our website.

What cookies do we use?

Essential cookies

Our website uses essential (strictly necessary) cookies as they are essential to the effective operation of the website. Examples of use include:

Saving your choice of insurance cover and information as you go through the process of requesting online insurance quotes and buying insurance online.

Ensuring your data and policy choices have been captured correctly when you reach the stage of policy purchase.

Non-essential cookies - Performance 

We use trusted web analytics platforms that provide statistical insight into interaction and behaviours of our website visitors.

Google Analytics, a web analytics service provided by Google Inc. is used to help us understand how visitors use our website such as the time visits to the site tend to occur, whether visitors have been to the site before, which websites may have referred visitors to the website and also to measure its performance.

Accepting or rejecting cookies

You may be able to configure your internet browser to warn you each time a new cookie is about to be stored, so that you can make a decision whether to accept or reject it. If cookies are already on your computer or mobile device you can also delete them.

For more information about cookies and how to reject or delete them, please visit:

www.aboutcookies.org – a resource from OUT-LAW, part of international law firm Pinsent Masons.

www.ico.gov.uk – the Information Commissioner's office, the UK's independent authority set up to uphold information rights in the public interest, promoting openness by public bodies and data privacy for individuals.