Because data security is of utmost importance to us, Integral Insurance Broker GmbH puts special emphasis on the privacy of the users of our website www.weddie-insurance.co.uk. Integral Insurance Broker GmbH commits itself to take special care of data and information provided by users and to protect data transmission with security protocols. Data that you insert into your browser in order to be transmitted to our server are protected with a safe SSL connection. Data that you insert into your browser in the course of transmission to our server are protected with a safe SSL connection. This connection ensures that your data cannot be spied by third parties.
Data protection declaration
We put special emphasis on protecting your privacy while you are using our www.weddie-insurance.co.uk Therefore we want to inform you in detail about the processing of your personal data below.
Integral Insurance Broker GmbH is responsible for data protection in connection with this website. Integral Insurance Broker GmbH follows all data protection regulations strictly when processing personal data. The right to use personal and anonymous data to the legally permissible extent subject to the rights of affected persons described below lies with www.weddie-insurance.co.uk
This data protection declaration is valid only for www.weddie-insurance.co.uk and all sub-sites but not for other websites which are operated and monitored by a third party. Please check the data protection declarations of such websites, which are operated and monitored by a third party, as these are beyond our control and Integral Insurance Broker GmbH is not responsible for both their content and their data protection measures.
Integral Insurance Broker GmbH has taken appropriate technical and organisational measures to protect your personal data against loss, manipulation and unauthorised access. The measures taken are subject to regular checks and are constantly adapted to comply with the technological state of the art.
Please note, that it is your personal responsibility to ensure the safe-keeping and non-disclosure of user data and passwords that have been transmitted or disclosed to you.
Use by minors
It is expressly pointed out that processed personal data may only be used by persons aged 14 or older. A use of systems or tools which results in the processing of personal data of persons under that age limit is not permissible without prior consent of the parents/legal guardian. If, however, such processing of data should occur, we will stop the processing as soon as we learn about this circumstance.
Integral Insurance Broker GmbH, Hasnerstraße 2, 4020 Linz, Austria, DVR number (data processing register number) 4007602. Integral Insurance Broker GmbH is responsible for the gathering and use of your user-related data. Your consent given for the use of your personal data can be withdrawn at any time via e-mail or letter to Integral Insurance Broker GmbH. Please direct your withdrawal to: email@example.com, if you are a customer of Integral Insurance Broker GmbH.
Collecting and processing of personal data
Your submitted data
Personal data is only processed in accordance with the provisions of the applicable data protection law. If you correspond with us or contact us for example by requesting or obtaining a quote, purchasing a product from us or from one of our partners or using one of our websites, please be aware of the fact that this data will be processed for the purposes set out below.
The information could include:
|Individual details ►||Name, address (including proof of address), other contact details (e.g. email and telephone numbers), gender, marital status, date and place of birth, nationality, employer, job title and employment history, and family details, including their relationship to you.
|Identification details ►||Identification numbers issued by government bodies or agencies, including your national insurance number, passport number, tax identification number and driving licence number.
|Financial information ►||Bank account or payment card details, income or other financial information.
|Risk details ►||Information about you (and others insured under the policy) which we need to collect in order to assess the risk to be insured and provide a quote. This may include data relating to health, criminal convictions, or other special categories of personal data (see below). For certain types of policy, this could also include telematics data.
|Policy information ►||Information about the quotes you receive and policies you take out.
|Credit and anti-fraud data ►||Credit history, credit score, sanctions and criminal offences, and information received from various anti-fraud databases relating to you.
|Previous and current claims ►||Information about previous and current claims, (including other unrelated insurances), which may include data relating to your health, criminal convictions, or other special categories of personal data (see below) and in some cases, surveillance reports.
We will collect personal information about you from you directly but also potentially from your family members, employer or representative, other insurance market participants, credit reference agencies, anti-fraud databases, sanctions lists, court judgements and other judicial databases, government agencies such as the DVLA and HMRC, open electoral register and any other publicly available data sources. In addition, in the event of a claim, we will get information from third parties including the other party to the claim (claimant / defendant), witnesses, experts (including medical experts), loss adjustors, solicitors, and claims handlers.
Data collected by us
When visiting our website, personal data will be automatically collected by a technical means called cookies. For more detailed information on cookies used on our websites, please refer to Item 6.
Data collection which does not require prior consent
General contact form
If you send a contact form, we process the following personal data:
- Given name, surname, telephone, e-mail, company,
- your personal message
Purpose: For answering your question
Justification: Justified interest to reliably handle and answer your request.
Storage period: 24 months
Data collection which does require prior consent
Integral Insurance Broker GmbH processes the following personal data for the following purposes:
Buy Rainy Weather Insurance Online
When submitting the order form we process the following personal data:
- Insured Wedding Details: Date, Place of Wedding
- Applicant Information: Applicant’s Residence, Title, First Name, Last Name, Date of Birth, Phone Number, Email Address, Street, House Number, Door Number, Postal Code, Location, Country
- Data for the bridal couple: first name, last name, e-mail address
Purpose: to conclude an insurance contract
Justification: Legitimate interest to process your individual inquiries and to be able to conclude an insurance contract reliably.
Storage period: 7 years after expiry of your insurance
Usage of information
How we use your information
We will process any personal data lawfully under one or more of the following bases:
- Performance of a Contract: the processing is necessary for a contract we have with you, or because you have asked us to take specific steps before entering into a contract.
- Compliance with a Legal obligation: the processing is necessary for us to comply with the law (not including contractual obligations).
- Legitimate interests: the processing is necessary for our legitimate interests pursued by us. In such cases our legitimate interests are as follows:
- To add value to your product offering by offering you other general insurance products
- To provide excellent service to our customers by ensuring they are fully informed about all of our products.
- To engage in activities to improve and adapt the range of products and services we offer and to help our business grow
- To investigate and prevent potential fraudulent and other illegal activity
- Consent: where you have given clear consent for us to process your personal data for a specific purpose. We can seek your consent within a written or electronic document or verbally.
We will use personal information about you primarily in connection with the provision of insurance, namely:
- Establishing and maintaining communications with you;
- Arranging insurance cover (issuing quotations, renewals, policy administration);
- Handling claims;
- Undertaking anti-fraud, sanction, anti-money laundering and other checks to protect against fraud, suspicious or other illegal activities;
- Collecting, forwarding and refunding premiums;
- Facilitating premium finance arrangements;
- Processing transactions through service providers;
- Credit assessments and other background checks;
- Where we believe it is necessary to meet legal, security, processing and regulatory requirements;
- Business transfers where we sell whole or part of our business and/or assets to a third party purchaser;
- Marketing and client profiling;
- Allowing our affiliated companies to notify you of certain products or services offered by them;
- Research and statistical analysis; and
- Building databases for use by us, our clients and insurers.
We may monitor calls, emails, text messages and other communications with you. When you contact us we may keep a record of that correspondence and any information provided to us during that or any subsequent communication.
In order to provide insurance cover and deal with insurance claims in certain circumstances we may need to seek your consent before processing such data. You can withdraw your consent to such processing at any time. Please make sure that anyone else who is insured under your policy has provided you with consent to provide their personal information to us. It is important that you show this Privacy Notice to anyone else who is insured under your policy, including, for example, any named drivers under a motor policy or anyone living at the property insured under a household policy.
How we share this information
In using personal data for the above purposes, we will disclose personal data to third parties including insurers, reinsurers, intermediaries or other brokers; outsourcers, sub-contractors, agents and service providers; claim handlers; premium finance providers; professional advisers and auditors. Third parties to whom we disclose personal data are required by law and contractual undertakings to keep personal data confidential and secure, and to use and disclose it for purposes that a reasonable person would consider appropriate in the circumstances, in compliance with all applicable legislation.
We may share and aggregate information about you from across the Integral Insurance Broker GmbH, including personal information held within the Integral Insurance Broker GmbH relating to other policies held with us, quotes or claims details and, we may use this information to:
- help us identify products and services that could be of interest to you, to tailor and package our products and services; to determine pricing and/or offer available discounts; and
- conduct customer research and develop marketing campaigns.
We and/or other parties to whom we disclose personal data, may use your information for purposes such as statistical and trend research and analysis which might include computerised processes which profile you. Automatic profiling helps firms to understand, predict and forecast customer preferences and to improve the products and services they offer and to assess which products might be most suitable for you.
Tracking software, cookies, plugins of social networks
Our website uses social plugins provided by facebook.com, („Facebook“), instagram.com („Instagram“) and pinterest.com („Pinterest“).
When you visit a page of our website that contains a social plugin, your browser establishes a direct connection to Facebook servers. The social network directly transfers the plugin content to your browser which embeds the latter into our website. Thus we have no influence on the data gathered by the plugin. For further information on the purpose and scope of data collection, processing and use please refer to www.facebook.com/policy.php, https://about.pinterest.com/de/privacy-policy or https://www.instagram.com/about/legal/privacy/?hl=de.
Rights of persons affected
You can claim the following rights with regard to the processing of your personal data:
Right to access
You shall have the right to obtain confirmation as to whether or not your personal data are being processed and if so, to what extent.
Right to rectification
In case we process incomplete or inaccurate personal data about you, you shall have the right to claim rectification of complementation of said personal data.
If you have created a user account, you can easily access your personal data and perform the rectification or complementation yourself. Moreover, you can close your user account at any time.
Right to deletion
You shall have the right that your data be erased if the reason why they were collected no longer exists, if they have been unlawfully processed, if the data processing has a disproportionate effect on your justified interests or if the data processing is based on your consent which you have later withdrawn. It should be borne in mind, however, that there might be other reasons which are in conflict with the erasure of your personal data, e.g. statutory storage periods, pending proceedings, enforcement, the exercise of or defence against legal claims, etc.
Right to restriction of processing
You shall have the right to obtain a restriction of the processing of your data if
- you claim they are incorrect – such restriction may last for a period which allows us to prove the correctness of the data; if the processing of your data is unlawful and you claim a restriction of processing instead of erasure;
- if we do not need the data any more for the purpose they were collected but you need the data
- for enforcement or the exercise of or defence against legal claims, or
- if you have objected to the processing of the data.
Right to data portability
You shall have the right to claim that the personal data which you provided to us be ported in a structured, common and machine-processable format, given we have processed the data using automated methods, based on your consent or in fulfilment of our contract.
Right to object
If we process your data in exercise of tasks which are in the public interest, in exercise of public authority or if we refer to the necessary protection of our lawful interest, you can object to the data processing, given that there is an overriding interest concerning your data. You can object to the sending of advertisement at any time without giving any reason.
Right to file a complaint
It is our policy to promote the highest standard of service for our clients. We endeavour to ensure that all complaints are resolved satisfactorily and in a timely manner.
If you have a complaint about our services, you may contact the member of our staff with whom you normally deal.
Alternatively please contact Integral Insurance Broker GmbH at the address below:
If there is a dispute which cannot be resolved under our complaints procedure, it will only be dealt with in the courts of England and Wales.
If following receipt of our final response or after eight weeks if we have not yet provided you with our final response, if you are an eligible complainant, you have the right to refer your complaint to the Financial Ombudsman Service (FOS). Further information is available on their website below.
- Financial Ombudsman Service, Exchange Tower, London.
Who is an Eligible Complainant:
- Any private individual
- Any business which employees less than 10 people and has a turnover or annual balance sheet that does not exceed €2 million
- A charity which has an annual income of less than £1 million
- A trustee of a trust which has a net asset value of less than £1 million
Right to withdraw consent
Any and all consents can independently be withdrawn at any time. As a consequence of the withdrawal, we are not allowed to process your data according to the purposes stated in the consent and therefore, the respective rights and advantages etc. cannot be used after the withdrawal.
All aforementioned rights can be claimed directly vis-à-vis Integral Insurance Broker GmbH by sending an e-mail to firstname.lastname@example.org In case of doubt, we may request additional information for the purpose of proving your identity. This is to protect your rights and privacy.
Amendments to the data protection declaration
This data protection declaration was last amended on January 16, 2019. If major amendments are made with regard to this data protection declaration, a message is published on the home page of our website for 30 days. Continued use of our website is deemed as consent to the relevant amendments.
Retention of your personal data
We will keep your personal data only for so long as is necessary and for the purpose for which it was originally collected. In particular, for so long as there is any possibility that either you or we may wish to bring a legal claim under this insurance, or where we are required to keep your personal data due to legal or regulatory reasons.
Integral Insurance Broker GmbH
Hasnerstraße 2, 4020 Linz, Austria