Pavey Group Ltd trading as Pavey Group are registered with Data Protection Commissioner and our registration number is Z6080673.
Pavey Group Limited t/a Pavey Group, Buddens Commercial, Mole Insurance Services (Registered in England No. 3419086) Registered address: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Offices at: Torquay, Exeter, Holsworthy and Highbridge.
This privacy notice explains how we use any personal information we collect about you when you contact us directly by phone, post, email or when you use our websites and when a third party passes on information to us.
1. What information do we collect about you and why?
We collect information about you when you engage us for Insurance advice and related services. This information will relate to your personal and financial circumstances. If you complete a quote request on our website at www.cottagesure.co.uk we will collect your personal information. The main purpose of this website is to provide you with an insurance quote for the product you request. In order to achieve this we will pass the data you have provided which may include personal information to our partners. We only ask questions relevant to Cottagesure or each quote you request. If you do not want to answer or provide certain information then we may not be able to provide you with a quote.
Personal and sensitive information that we might collect includes name; date of birth; address; job title; IP addresses; company name; health and medical conditions; convictions; financial history and payment information; information about the risk/subject matter to be insured including values or sums to be insured.
Processing is necessary for the performance of a contract to which you are party or in order to take steps at your request prior to entering into a contract, or where your employer or another individual or organisation effects an insurance policy for your benefit. Processing special categories of data (health, medical conditions, convictions) is necessary for insurance purposes.
You are not obligated to provide your personal information to Pavey Group, however, as this information is required for us to provide you with our services, we will not be able to offer some or all of our services without it.
We might collect your personal data from you; your family members, employer or representative; other insurance market participants; credit reference agencies; anti-fraud databases, sanctions lists, court judgements and other databases; in the event of a claim, third parties including the other party to the claim (claimant/defendant), witnesses, experts (including medical experts), loss adjustors, solicitors and claims handlers.
We regularly track our customer movement through this website as this helps us continually improve the service and experience that we offer new and existing customers. This site uses the Lucky Orange analytics system to help improve usability and the customer experience. Lucky Orange may record mouse clicks, mouse movements and scrolling activity. Lucky Orange may record keystroke information that you voluntarily enter on this website. Personal information such as name, addresses and passwords are not captured by this facility. Any data captured via Lucky Orange is for Pavey Groups use only and will be automatically deleted after 30 days.
2. How we will use your personal information
Personal information, which you supply to us, may be used in a number of ways, for example:
3. How long we keep your personal information
We only keep personal information for as long as is reasonably necessary to fulfil the relevant purposes described in this privacy notice. In particular, for so long as there is any possibility that either you or we may wish to bring a legal claim, or where we are required to keep your personal data due to legal or regulatory reasons.
If we provide you with a quotation and you decide not to proceed with the insurance cover, where we have obtained your consent, we will keep your details so that we may contact you in a year’s time to offer you our services.
If you wish to change or limit your consent e.g. the way in which we communicate our products and services, please contact us.
4. How we protect your personal information
Pavey Group is committed to keeping your information secure. All information is kept in a secure server. We also have appropriate security measures in place in our physical facilities.
Pavey Group has security measures in place to protect the loss, misuse and alteration of the information under our control. This website makes use of 128 bit encryption where applicable.
While we strive to protect your information, due to the nature of the internet we cannot guarantee the security of any information you transmit to us. With this in mind, any transmission is at your own risk and we urge you to take every precaution to protect your information while you are online.
We will send you details of our products and services, through the marketing channels you have agreed to. This could be by post, telephone, email and SMS.
Pavey Group is committed to only sending you marketing communications that you have clearly expressed an interest in receiving; we will send you information we believe to be relevant and beneficial to you.
When you request a quote, this website gives the customer an opportunity to opt in or out of emails from us that do not directly relate to a quote request or existing policy. If you change your mind at a later stage and wish to change your preferences in some cases this can be done as an existing customer within your customer log in area, clicking on the ‘unsubscribe’ link that appears in all emails, or you can email firstname.lastname@example.org.
Alternatively, you can contact us.
6. Who we share your information with.
We use Insurer and third party companies to help us provide products and services. These companies will only use your personal data under our strict instruction and are under an obligation to ensure appropriate security measures are in place.
We will disclose and exchange the information you provide to us for the purposes of obtaining insurance quotations for you, placing insurance on your behalf and all matters relating to your insurances, including the making of claims and complaints.
In respect of Cottagesure, we will only pass your information to the scheme underwriters RSA, Elavon and Close Premium Finance if appropriate.
Occasionally we may seek alternative terms for you with our other carefully selected providers.
Some Insurers and third party companies operate call centres outside of the European Economic Area (EEA). Their data transfers would always be made in compliance with the General Data Protection Rules.
In the unlikely event that we transfer your information outside the EEA we will ensure that an adequate level of protection is in place to protect your information.
Information provided by you may be put onto a register of claims and shared with other insurers to prevent fraudulent claims.
We may share such information with our own insurers and professional advisors on terms that preserve confidentiality or where we are required by law or by order of the court to disclose such confidential information.
We will not be bound to keep any information confidential, where it is or becomes in the public domain, it was already known to us or becomes known to us independently of you, or if you authorise us to disclose such information.
We will treat all information in strict accordance with the General Data Protection Rules (GDPR), even when you are no longer a customer and only share information if we are required to do so by law, or regulation.
If you have given us your consent, we shall pass your personal information to our Financial Services Company so that they may offer you their products and services.
You may object, change or limit your consent at any time e.g. the way in which we communicate our products and services, please contact us.
We will not share or sell your information for marketing purposes with companies outside of our group.
7. Profiling and Automatic Decision Making
When calculating insurance premiums, Insurer and third party companies may compare your personal data against industry averages. Your personal data may also be used to create the industry averages going forwards. This is known as profiling and is used to ensure premiums reflect risk.
Profiling may also be used by Insurer and third party companies, to assess information you provide to understand fraud patterns.
Some Insurer and third party companies might make decisions based on profiling and without staff intervention, known as automatic decision making and will provide details within their information notices.
We do not use your personal data in respect of profiling or automatic decision making.
8. Access to your information and your rights to rectification, erasure, object to processing, data portability and right to complain
You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please contact us.
We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove information you think is inaccurate.
You have the right to have personal data erased and to prevent processing in specific circumstances however, there are some specific circumstances where the right to erasure does not apply and we can refuse to deal with a request. If you wish to make such a request, please contact us.
You have the right to object to:
If you wish to object, change or limit your consent at any time e.g. the way in which we communicate our products and services, please contact us.
You have the right to data portability. This allows individuals to obtain and reuse their personal data for their own purposes across different services. Your right to data portability only applies:
The right of portability only covers information you have given us and does not extend to data we generate about you.
You have the right to complain. If you have any concerns about how we have handled your information, or if the information is wrong, please contact us in the first instance. We will respond to any information rights concerns we receive, clarifying how we have processed your personal information and explain how we will put right anything that may have gone wrong. If you remain dissatisfied, you may report your concern to the Information Commissioner’s Office:
Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Tel: 0303 123 1113 (local rate) or 01625 545745 (national rate). Email: email@example.com
Pavey Group may collect information about your computer, including where available your IP address, operating system and browser type for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.
For the same reason, we may obtain information about your general internet usage by using a cookie file, which is stored on the hard drive of your computer. Cookies contain information that is transferred to your computer's hard drive. They help us to improve this website and to deliver a better and more personalised service. They enable us:
10. Other websites
We keep our privacy notice under regular review and we will place any updates on our website www.cottagesure.co.uk/privacy-policy.php
This privacy notice was last updated on 07/06/2018
If you have any queries about this privacy notice or you wish to request information you can contact:
Edginswell Business Park
Telephone: +44 (0)1803 652000
Fax: +44 (0)1803 652001