Cookie Notice and Privacy Policy

About this Privacy Policy

This Privacy Policy Statement describes the ways Cobine Carmelson Ltd. collects information from and about you, and what we do with the information, so that you may decide whether or not to provide information to us.

By accessing our website or purchasing our products or services you agree to this Privacy Statement in addition to any other agreements we might have with you. This Privacy Statement does not govern the practices of entities that our Company does not own or control, or entities that do not own or control our company, or people that our Company does not employ or manage.

What information do we collect about you?

We collect information about you when you engage us for insurance services. This information may relate to your personal and financial circumstances. It may also include special categories of personal data such as data about health, if this is necessary for the provision of our services. We collect personal information from you at different points, including but not limited to the following:

  • when we correspond with you as a customer or prospective customer;
  • when you visit our website;
  • when you take out an insurance policy via us; and
  • when you contact us for help and/ or to discuss a complaint or your claim.

Why do we need to collect and use your personal data?

The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you. The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data we’d also be unable to fulfil our legal and regulatory obligations. Where special category data is required, we’ll obtain your explicit consent in order to collect and process this information.

Who might we share your information with?

We won’t share your information for marketing purposes with other companies. We will not sell your data to anyone, ever.

In order to deliver our services to you effectively we may send your details to third parties such as those that we engage for professional compliance, accountancy, IT or legal services as well as product and insurance providers that we use to arrange financial products for you.

Where third parties are involved in processing your data we’ll have a contract in place with them to ensure that the nature and purpose of the processing is clear, that they are subject to a duty of confidence in processing your data and that they’ll only act in accordance with our written instructions.

We may allow a merger partner or potential acquirer to review our databases, although we would restrict their use and disclosure of this data during the diligence phase and direct them to treat the data confidentially.

To fulfil our obligations in respect of prevention of money-laundering and other financial crime we may send your details to third party agencies for identity verification purposes.

We may share your information as required by law enforcement, government officials, or other third parties pursuant to a court order, or other legal process or requirement applicable to our Company; or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our agreements or Company policies.

Information collected from you may, on occasion be stored and processed outside the UK in any other country in which our Company, Insurers or agents maintain facilities, and by accessing our sites and using our services, you consent to any such transfer of information outside of your country.

How long do we keep hold of your information?

In principle, your data shouldn’t be held for longer than is required under the terms of our contract for services with you. However, we’re subject to regulatory requirements to retain data for specified minimum periods. We also reserve the right to retain data for longer than this due to the possibility that it may be required for the defence of any future claims. You have the right to ask for our records retention policy.

You have the right to request deletion of your personal data. We’ll comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.

How can I access the information you hold about me?

You have the right to request a copy of the information that we hold about you. When your personal data is processed by automated means you have the right to ask us to move your personal data to another organisation for their use. We have an obligation to ensure that your personal information is accurate and up to date. Please ask us to correct or remove any information that you think is incorrect.

Marketing

We’d like to send you information about our products and services and those of other companies in our group which may be of interest to you. If you’ve agreed to receive marketing information, you may opt out whenever you choose.

If you no longer wish to be contacted for marketing purposes, please contact us by email or post.

Financial and Credit Card details

This only applies if you choose to pay for our services using a debit or credit card.  Our third-party payment service provider Worldpay, will, from 01 December 2019 be a data controller of the personal data that we share with them in order to process your payments.  Please find a link to Worldpay’s privacy policy here.

Cookies

We use cookies to track visitor use of the website and to compile statistical reports on website activity. For further information visit http://www.allaboutcookies.org/. You can set your browser not to accept cookies and the above website tells you how to remove cookies from your browser. However in a few cases some of our website features may not function as a result.

Third Party Cookies

The following cookies are added by a third party and have the following purposes.

Google Analytics Cookies

For further information on Google Analytics cookies, please visit https://developers.google.com/analytics/resources/concepts/gaConceptsCookies or view Google’s privacy policy http://www.google.com/analytics/learn/privacy.html.

Cookie Name Purpose Expires
_ga, _gid, _gat_gtag Google Analytics gathers information about website use by means of cookies. The information gathered relating to our website is used to create reports about the use of our website. 2 years, 24 hours, 1 minute, respectively.
_cfduid This cookie is set by the CloudFlare service to identify trusted web traffic. It does not correspond to any user id in the web application, nor does the cookie store any personally identifiable information. More info about the Cloudflare cookie 5 years
JSESSIONID Preserves users states across page requests. Expires at end of session
InfusionsoftTrackingCookie Infusionsoft Collects data on the user’s visits to the website, such as which pages have been read. 1 year
platform.twitter.com Remembers the user’s selected language version of a website Expires at end of session

Managing cookies

Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:

Chrome https://support.google.com/chrome/answer/95647?hl=en
Firefox https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences
Opera http://www.opera.com/help/tutorials/security/cookies/
Internet Explorer https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies
Safari https://support.apple.com/kb/PH21411
Edge https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy

What can you do if you are unhappy with how your personal data is processed?

You also have a right to lodge a complaint with the supervisory authority for data protection. In the UK this is:

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow, Cheshire SK9 5AF
0303 123 1113 (local rate)

Changes to our privacy policy

We keep our privacy policy under regular review and we’ll inform you of any changes when they occur.

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 [email protected]. Or write to us at :

138 Cromwell Avenue
Cheshunt, Hertfordshire EN7 5DW

We are Authorised and Regulated by the Financial Conduct Authority