Privacy Policy

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The privacy and security of your information is important to us. This  notice explains who we are, the types of information we hold, how we use  it, who we share it with and how long we keep it. It also informs you  of certain rights you have regarding your personal information under  current data protection law. The terms used in this Privacy Statement –  Fair Processing Notice are based on those prescribed by the Information  Commissioner’s Office. You can find out more about the ICO here:  https://ico.org.uk.

Who are we?
Jack  Joy Insurance Limited are registered with the Information  Commissioner’s Office for the products and services we provide to you.  You can contact us for general data protection queries by email to john@jackjoy.co.uk or in writing to our office. We are an Insurance  Broker regulated and authorised by the Financial Conduct Authority.

What information do we collect?
To  enable us to provide you with the right product or service to meet your  needs (or to handle a claim) we will collect personal information which  may include your name, telephone number, email address, postal address,  occupation, date of birth, additional details of risks related to your  enquiry or product and payment details (including bank account number  and sort code). We may need to request and collect sensitive personal  information such as details of convictions or medical history for us to  provide you with a product or service or to process a claim. We only  collect and process sensitive personal data where it is critical for the  delivery of a product or service and without which the product or  service cannot be provided. We will therefore not seek your explicit  consent to process this information as it is required by us to provide  the product or service you have requested and is legitimised by its  criticality to the service provision. If you object to use of this  information, then we will be unable to offer you that product or  service.

How do we use your personal information? We will use your personal information to:

• Assess and provide the products or services that you have requested.
• Communicate with you. i.e. as a policyholder this means new business quotes, mid term adjustments, renewals etc
• Develop new products and services.

We may also take the opportunity to:

• Contact you about products that are insurance related only and to those you already hold with us.
• Provide additional assistance or tips about these products or services.

Only where you have provided us with consent to do so, we may also  from time to time use your information to provide you with details of  marketing or promotional opportunities and offers relating to other  products and services from us. From time to time we will need to call  you for a variety of reasons relating to your products or service (for  example, to update you on the progress of a claim or to discuss the  renewal of your insurance contract etc).

We are fully committed to Ofcom regulations and have strict processes  to ensure we comply with them. To ensure the confidentiality and  security of the information we hold, we may need to request personal  information and ask security questions to satisfy ourselves that you are  who you say you are.

Securing your personal information
We  follow strict security procedures in the storage and disclosure of your  personal information in line with industry practices, including storage  in electronic and paper formats. Any new information you provide us may  be used to update an existing record we hold for you.

When do we share your information?
To  help us prevent financial crime, your details may be submitted to fraud  prevention agencies and other organisations where your records may be  searched, including the Claims and Underwriting Exchange (CUE) and the  Motor Insurers Anti-Fraud and Theft Register (MIAFTR). In addition,  third parties (for example insurers or loss adjustors) deliver some of  our products or provide all or part of the service requested by you. In  these instances, while the information you provide will be disclosed to  these companies, it will only be used for the provision and  administration of the service provided (for example verification of any  quote given to you or claims processing, underwriting and pricing  purposes or to maintain management information for analysis). This may  also include conducting a search with a credit reference bureau or  contacting other firms involved in financial management regarding  payment. We will only share your information for any direct marketing of  additional services and products where we have your consent to do so.  If we provide information to a third party, we will require it and any  of its agents and/or suppliers to take all steps reasonably necessary to  ensure that your data is treated securely and in accordance with this  Fair Processing Notice. We may of course be obliged by law to pass on  your information to the police or other law enforcement bodies, or  statutory or regulatory authority including but not limited to the  Employer’s Liability Tracing Office (ELTO) and the Motor Insurance  Bureau (MIB). We may also share your information with anyone you have  authorised to deal with us on your behalf.

How long do we keep your information for?
We  will not keep your personal information longer than is necessary for  the purpose for which it was provided unless we are required by law or  have other legitimate reasons to keep it for longer (for example if  necessary for any legal proceedings). We will normally keep information  for no more than six years after termination or cancellation of a  product, contract or service we provide. In certain cases, we will keep  your information for longer, particularly where a product includes  liability insurances or types of insurance for which a claim could  potentially be made by you or a third party at a future date, even after  your contract with us has ended.

Call recording
Telephone calls with us  may be recorded for training, monitoring, audit requirements, quality  assurance purposes and fraud prevention and detection. Call recordings  may also be supplied to third parties or your insurer as shown on your  schedule if they request a call recording in order to investigate a  claim, complaint or suspected fraud.

Your rights
Under data protection law  you have the right to change or withdraw your consent and to request  details of any personal data that we hold about you. Where we have no  legitimate reason to continue to hold your information, you have the  right to be forgotten. We may use automated decision making in  processing your personal information for some services and products. You  can request a manual review of the accuracy of an automated decision if  you are unhappy with it. If you wish to inform us of changes in consent  for marketing, please contact us at the address or telephone number  indicated in any recent correspondence or emails you have received from  us. Further details of your rights can be obtained by visiting the ICO  website at https://ico.org.uk. 

How to contact us.
Please contact us if you have any questions about our privacy policy or information we hold about you: by email at

john@jackjoy.co.uk
Or write to us at 66 North Street, Wetherby, LS22 6LY.
PRIVACY POLICY 2021