Where you acquire a product or service from us or we collect your personal information, any relevant Privacy statement which we provide you. Our privacy statement can be found here:
In addition to these online terms, there may also be additional privacy provisions that apply to your use of an online site or as a result of your membership (or your application for membership) of a third party social media website that hosts a Social Media site. Should you decide to register for or participate in a promotion or other activity, or purchase a product or service from us, you will be bound by the relevant terms of that promotion, activity, product or service.
Your online privacy
Notwithstanding any other term in these online terms, you agree and freely acknowledge that when you submit comments, recordings, images or other personal content, for public display on an online site, that content may be available for anyone in the world to read and/or view and/or comment on and potentially download.
Posting public content
Unless otherwise stated, when you post a public comment or upload other public data to an online site, that information may be displayed publicly in accordance with our terms. Your information may also be retained by our site where we believe there is a legal reason to retain it for a longer period.
Information collected and how we use it
– General information
The information we will collect about you will depend on how you use an online site. If you use an online site to read, browse or download information, our computer system may record information such as the date and time of your visit, the pages accessed and any information downloaded. This information may be used for statistical, reporting, site/application administration and maintenance purposes only.
An online site may offer interactive facilities including tools, games and other online features. If you use any interactive facilities, we may, but generally, do not, capture any personal information which you may enter when using these tools.
– Personal information submitted to an online site
When you as a user of an online site (“online site user”), including any social Media site user referred to, submits any personal information via an online site, whether in the form of text, comments, recordings, images or otherwise (“online site user Content”) (for the avoidance of doubt, online site user Content includes social Media site user Content, as far as is relevant in the circumstances), you consent to that personal information being collected by our site and used and disclosed for any purpose permitted by these online terms.
You agree to obtain the prior consent of any other person whose personal information (whether in the form of words, images, recordings or otherwise) you submit to us via an online site, including any Social Media site. We will collect this information from you in good faith and take reasonable precautions to ensure it is handled in accordance with relevant American privacy laws. If you are not sure whether the other person would agree with you providing their personal information to us, please exercise caution and do not provide it to us.
Obtaining the quote
If you are using our online site and decide to obtain a quote or acquire a product or service, as a potential customer or customer we collect, hold, use and disclose your personal information. We have Privacy statements that detail the information you need to know about our privacy practices when you have a relationship with us as a customer or potential customer. You will be directed to these during the quote and/or application process.
Disclose your personal information
Review the relevant Privacy statement
You should review the relevant Privacy statement for you prior to providing us with your personal information. You should review the relevant Privacy statement for you prior to providing us with your personal information. We also collect, hold, use and disclose personal information about individuals when they interact with us in a range of other ways. These may be individuals who are not customers or they may be customers who are interacting with us in a different way. You may be one of these people. For example, you may: interact with us via a social Media site; make an online inquiry; be a witness in a customer’s claim; or be a claimant on another customer policy.
Dealing with your personal information
Displaying your information to 3rd parties
In the case of personal information which is provided for public display by a social Media site user, we may display that information to other online site users or otherwise display the online site user Content for any purpose in any media (including, but not limited to, commercial brochures and/or other advertising material).
Not limited to agents or external service
Our site may collect personal information belonging to an online site user, such as their name, email address or social media site alias, in order to provide them with the interaction or outcome they have requested. This may require us to disclose an online site user’s personal information to one or more third parties, including but not limited to agents or external service providers.
First, read and understand
Promotion’s separate terms and conditions
If you decide to enter a promotion that is made available or otherwise advertised on an online site you will need to agree to that promotion’s separate terms and conditions, which will be drawn to your attention as part of the entry process. Where practical we will collect your personal information directly from you.
– Security of personal information submitted to our Main site
All personal information you provide to our Main site over the internet (including when our Main site is operating within a social Media site while inquiring about or obtaining an insurance quotation is passed through a secure, encrypted connection. The secure connection is a protocol called secure sockets layer (SSL). Our site uses a strong form of SSL encryption (128-bit), which provides a very high level of protection against unauthorized access in order to prevent unauthorized persons from reading the information you send to our site while it is in transit over the internet. Once your personal information has been received at our Main site, we take all reasonable precautions to securely pass that information to our server.
Third Party sites (including third-party social media sites)
Our online sites may contain links to Third Party Sites. Third Party sites should contain their own privacy statements and those third parties are responsible for informing you about their security and privacy practices.
Your privacy rights and complaint resolution
If our site has collected your personal information through your use of an online site, then you have a right to access, update or correct that personal information. You also have the right to make a complaint about your privacy. You may find out the contact points should you have an information access or correction request or privacy concern relating to your use of an online site.
Legal right to access and correct your personal information
We will review your correspondence or request and contact you with a reply or to ask you for further information if required. We respect your legal right to access and correct your personal information and will respond to your request within a reasonable time. We will ordinarily not charge you a fee to access your personal information, however, in some circumstances, we may elect to charge you a reasonable fee for access, as permitted by law.
If you make a complaint about your privacy you may have additional rights of appeal, such as under our formal dispute resolution process. We will tell you if that is the case. See the “Making a Privacy Complaint” part of our main website for more information about how we resolve privacy complaints.
Configuring your preferences