Privacy Policy and Terms of Use

Last updated July 2020

Terms of Use

Your use of this website and acceptance of our terms of business shall be governed and construed in accordance with the laws of England. You irrevocably agree that the courts of England shall have exclusive jurisdiction over any dispute which may arise therefrom.

Privacy Policy

1. Introduction

We value and safeguard the privacy of you, our website users and clients. This policy applies where we determine the purposes and means of the processing of personal data of our website users and clients, acting as data controller. We use cookies on our website. We will ask you to consent to our use of cookies when you first visit our website. 

2. How we use your personal data

In this Section 2 we have set out: 

(a) the general categories of personal data that we may process; 

(b) in the case of personal data that we did not obtain directly from you, the source and specific categories of that data; 

(c) the purposes for which we may process personal data; and 

(d) the legal bases of the processing. 

We may process data about your use of our website and services ("usage data"). The usage data may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency and pattern of your service use. The source of the usage data is our analytics tracking system. This usage data may be processed for the purposes of analysing the use of the website and services. The legal basis for this processing is our legitimate interests, namely monitoring and improving our website and services. 

We may process your website user account data ("account data"). The account data may include your full name and email address, location, date of birth, and gender. The account data may be processed for the purposes of operating our website, providing our services, ensuring the security of our website and services, maintaining back-ups of our databases and communicating effectively with you. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business, or alternatively the performance of a contract between you and us. 

A third-party provider may collect payment card information with respect to purchases for services made through the website. Such payment processors generally provide us with some limited information related to you, such as your card’s type, expiration date, billing address, and the last four digits of your card number ("transaction data"). The source of the transaction data is you and/or our payment services provider. The transaction data may be processed for the purpose of supplying the purchased services and keeping proper records of those transactions. The legal basis for this processing is the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract; providing that, if you are not the person contracting with us, the legal basis for this processing is our legitimate interests, namely the proper administration of our website and business. For more information please see the payment processors terms and conditions at of the third-party provider, via their website displayed at the point of purchase.

We may process information contained in any enquiry you submit to us regarding our services ("enquiry data"). The enquiry data may be processed for the purposes of contacting, offering, marketing and selling relevant goods and/or services to you. The legal basis for this processing is consent. 

We may process information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters ("notification data"). The notification data may be processed for the purposes of sending you the relevant notifications and/or newsletters. The legal basis for this processing is consent. 

We may process any of your personal data identified in this policy where necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, or obtaining professional advice. The legal basis for this processing is our legitimate interests, namely the proper protection of our business against risks. 

In addition to the specific purposes for which we may process your personal data set out in this Section 3, we may also process any of your personal data in order to protect your vital interests or the vital interests of another natural person. 

Please do not supply any other person's personal data to us, unless we prompt you to do so. 

3. Providing your personal data to others

We may disclose your personal data to professional advisers insofar as reasonably necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, obtaining professional advice, or the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure. 

Your personal data will be stored on the servers of our hosting services providers. 

In addition to the specific disclosures of personal data set out in this Section 3, we may disclose your personal data where such disclosure is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person. 

4. Retaining and deleting personal data

This Section 4 sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal data. 

Personal data that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes. 

We will retain your personal data as follows: 

(a) usage data will be retained for a maximum period of 12 weeks following the date of collection;

(b) account data will be retained for a maximum period of 12 weeks following the date of closure of the relevant account;

(c) enquiry data will be retained for a maximum period of 8 weeks following the date of the enquiry; 

(d) notification data will be retained for a maximum period of 1 week following the date that we are instructed to cease sending the notifications (providing that we will retain notification data insofar as necessary to fulfil any request you make to actively suppress notifications),

Notwithstanding the other provisions of this Section 4, we may retain your personal data where such retention is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person. 

5. Your rights

Your use of this website and acceptance of our terms of business shall be governed and construed in accordance with the laws of England. You irrevocably agree that the courts of England shall have exclusive jurisdiction over any dispute which may arise therefrom.

In this Section 5, we have listed the rights that you have under data protection law. 

Your principal rights under data protection law are: 

(a) the right to access - you can ask for copies of your personal data; 

(b) the right to rectification - you can ask us to rectify inaccurate personal data and to complete incomplete personal data; 

(c) the right to erasure - you can ask us to erase your personal data; 

(d) the right to restrict processing - you can ask use to restrict the processing of your personal data; 

(e) the right to object to processing - you can object to the processing of your personal data; 

(f) the right to data portability - you can ask that we transfer your personal data to another organisation or to you; 

(g) the right to complain to a supervisory authority - you can complain about our processing of your personal data; and 

(h) the right to withdraw consent - to the extent that the legal basis of our processing of your personal data is consent, you can withdraw that consent. 

These rights are subject to certain limitations and exceptions. 

You can learn more about the rights of data subjects by visiting the ICO website. 

You may exercise any of your rights in relation to your personal data by written notice to us, using the contact details set out below. 

We are committed to keeping the website and your use of it safe and secure, but please be aware that you are browsing and using the website at your own risk. 

We are providing the website “as is” without any express or implied warranties or guarantees. 

We are not responsible for the actions, content, information, or data of third parties, and you release us, our directors, officers, employees, and agents from any claims and damages, known and unknown, arising out of or in any way connected with any claim you have against any such third parties, so far as possible at law.