Legal framework for protecting your personal data
This data privacy notice is written to comply with the European Union General data Protection Regulation (GDPR) which comes into force on the 25th May 2018 and gives control to citizens and residents over their personal data.
This is the privacy notice and data policy for Blackford & Company Insurance Brokers Ltd including the trading name of ManxCover. We are the ‘data Controller’ of the information you provide us with. This term is a legal phrase used to describe the person or entity that controls the way information is used and processed. We are registered under the Data Protection Act with the information commissioner's Office in the Isle of Man. Our notification number is N00142.
Data Protection Officer is Robin Blackford, Contact number: 01624 832042, Email address: [email protected], he can be contacted at our Registered Office: The Old Bank, 19 Station Road, Port Erin, Isle of Man IM9 6AE
The Board of Blackford & Company Insurance Brokers Ltd has considered and adopted the following procedure across the Company and trading names. The responsibility of updating the Board on developments within GDPR rests with the Data Protection Officer.
Note, this procedure replaces any previous versions.
Blackford & Company Insurance Brokers Ltd officers and staff will treat all information received from clients and third parties in accordance with The GDPR Regulations.
We collect the following data, if you have agreed:
We collect data for the purposes of:
The nature and depth of this data varies from case-to-case but constitutes the data required to ascertain risk and provide you with the service you have asked for, shaped by insurance industry best practice. By providing this information you are giving us consent to hold this data.
We use your data to determine the type of policy, the premium and the terms applicable to your insurance proposal- producing a quotation or range of quotations for the insurance you have asked us to provide. The data will probably come to us via our website, email, phone, post or calling into the office, so our systems are designed to ensure that only people directly involved in your insurance chain have access to your data. In order to complete your proposal, create and maintain your policy or process and assist with a claim from you, we may need to share certain parts of your data with other secure data controllers within the insurance industry. We keep such transactions to an absolute minimum and all parties are authorised and regulated to the same standard as ourselves. We will never pass on your details to other organisations for the purposes of sales or marketing.
We may collect your IP (Internet Protocol) address to help diagnose problems with our server, and to administer our Site. An IP address is a number that is assigned to your computer when you use the Internet. This information does not contain any personally identifiable information about you. Your IP address is also used to help identify you during a particular session and to gather broad demographic data.
Consent must be freely given, specific, informed, unambiguous and must be verifiable.
This means that some form of record must be kept of how and when consent was given.
Individuals have a right to withdraw consent at any time.
Blackford & Company Insurance Brokers Ltd including the trading names of ManxCover will ensure consent is provided by the following means:
Online Applications — the applicant will be directed to our “Terms of Business’ & ‘Privacy Notice and Data Policy’ information sections. You will then be asked to confirm your permission to continue based upon the conditions set out in the document by your completion of tick box's.
On acceptance of the conditions, the data will be forwarded from your browser and processed in accordance with the type of application in question. Should you be unwilling to share the data at this point, the application will not be forwarded from your browser and you are free to discard without further interaction with Blackford & Company Insurance Brokers Ltd including the trading name of ManxCover.
If individuals find inaccuracies in their personal data they can ask for this to be rectified.
Individuals have the right to request their personal data to be erased without undue delay.
Instance where erasure of data would be appropriate:
Instance where erasure of data would not be appropriate:
Individuals have the right to be excluded from any direct marketing.
Individuals have the right to personal data concerning him or her which he or she has provided to a controller and transmitted to another controller, i.e. To another financial services provider.
You may choose to restrict the collection or use of your personal information in the following ways:
We will not distribute your personal information to third parties unless we are explicitly required to do so under our Insurance providers arrangements, IT Hosting arrangements, by law, or for accounting or regulatory purposes or with your explicit consent.
Data collected and retained comes under the following categories:
It is considered that each of these data categories are required to fulfil the contractual obligations of both the client and the company.
At the completion of the retention period, all data will be purged.
Personal data consisting of the following information is deemed to be of a sensitive nature and Blackford & Company Insurance Brokers Ltd including the trading name of ManxCover will not enquire or retain information relating to these:
Note, it is necessary in some cases to record medical history in relation to Motor, Van, Motorcycle, Property, Travel, Business and Medical insurance plans. Where this is the case, records will be retained in accordance with the above retention policies.
Whilst it may be necessary to collect data relating to children, i.e. in the case of additional drivers on a motor policy or a family travel insurance policy, information must be provided by the parent or guardian. Under no circumstance may a member of staff enter into direct dialogue with a child or minor.
For the avoidance of any doubt, in this context we treat any persons under the age of 16 years as a child.
We are committed to using our best endeavours to ensure that your information is secure. All information transferred between your browser and our website or third party applications are encrypted using HTTPS protocol, using Digital Certificates with secure TLS Cyphers. This can be verified by looking for the secure padlock symbol in the browser address bar.
In order to prevent unauthorised access or disclosure, we have put in place further physical, electronic and managerial procedures to safeguard and secure the information we collect. These policies and procedures are company confidential, to avoid exposure of this data security.
It is the responsibility of the Board of Directors of the Company to ensure that registration is maintained with the Data Protection/Information Commissioner, declaring the purposes for which the information is being held or processed, to whom it will be disclosed and the security to be applied.
It is the responsibility of all staff members to ensure that any use of personal data in the course of their work is treated in accordance with the Data Protection Principles.
By providing any personal information to this Site, you confirm that you fully understand and unambiguously consent to the transfer of such personal information to, and the collection and processing of such personal information in, the Isle of Man, United Kingdom other countries or territories.
If you would like to review and/or update the information that you have provided to the Site, please send an e-mail to [email protected] requesting such access or change.
You may choose to have your name taken off Blackford & Companies e-mail marketing list by sending an e-mail to [email protected] with the subject line "Unsubscribe" with your full name and address and Blackfords reference number.
By using this Site, you signify your acceptance of our Privacy and Data Policy. If you do not agree to this policy, please do not use our Site. We reserve the right, at our discretion, to change, modify, add, or remove portions from this policy at any time so visitors are encouraged to review this policy from time to time. Your continued use of our Site following the posting of changes to these terms means you accept these changes.