Privacy Policy

We may collect personal information in several ways, including:

• directly from you via our website, telephone, in writing or email; and/or

• indirectly from third parties, if necessary. For example, your law firm may provide us with information about you for the purpose of obtaining our services. We may also obtain personal information from referees, insurers, premium funders and other third party service providers or publicly from available sources.

 

You authorise us to contact such third parties for the purposes of providing you with the services that you have requested.

 

We also automatically collect certain information when you visit our website, some of which may be capable of personally identifying you. Please see the "Cookies" section below for more details.

 

Our purposes for collecting, holding and using your personal information

 

We collect and hold your personal information for the purposes of providing our services to you and related purposes. Such purposes include:

 

• providing potential customers with our services;

• helping to develop and identify services that may interest potential customers or others;

• conducting market or customer research;

• developing, establishing and administering alliances and other arrangements with other organisations in relation to the promotion, administration and use of our services;

• telling you about our other service offerings which we believe may be relevant (if you have requested to receive this);

• statutory or regulatory reporting;

• internal or external audit within our group; and

• any other purpose notified to you at the time your personal information is collected.

 

Legal basis for using your personal information

 

If you are an individual who is either based in or a resident of the European Union or the United Kingdom, we will only collect, use and share your personal information where we are satisfied that we have an appropriate legal basis to do this. We will make sure that we only use your personal information for the purposes set out above and where we are satisfied:

 

• we need to use your personal information to perform a contract or take steps to enter into a contract with you;

• we need to use your personal information for our legitimate interest as a commercial organisation. For example, we may collect your personal details so that we can respond to enquiries submitted via our website. In all such cases, we will look after your information at all times in a way that is proportionate and respects your privacy rights and you have a right to object to processing as explained in the "Accuracy, access and correction of your personal information" section of this Privacy Policy below;

• we need to use your personal information to comply with a relevant legal or regulatory obligation that we have; or

• we have your consent to using your personal information for a particular activity.

 

Disclosure of your personal information

 

We will disclose your personal information to:

 

• ·our related companies, or third parties who help manage our business and provide our services, including our third party service providers, such as payment system operators, IT suppliers, lawyers, accountants, other advisers and financial institutions;

• insurers, reinsurers, other insurance intermediaries, insurance reference bureaus and industry bodies;

• any other entities notified to you at the time of collection;

• a buyer of our assets or shares when we are a seller; 

• courts, law enforcement, regulators and other government agencies to comply with all applicable laws, regulations and rules; or

• requests of courts, law enforcement, regulators and other governmental agencies

 

Other than (a) when required or permitted by law, (b) as specified in this Privacy Policy or (c) where you have provided your express or implied consent, we will not disclose your personal information. 

 

Nothing in this Privacy Policy prevents us from using and disclosing to others de-personalised aggregated data.

 

Transfer of personal information overseas

 

We may disclose your personal information to the following parties: third party service providers, insurers and/or our related companies as they may be processing your personal information either on our behalf or otherwise for one or more of the above-stated purposes.

 

Some of the third-party service providers to whom we disclose personal information are in countries outside of your country of residence, for example, Australia (or, in relation to New Zealand, outside New Zealand, or in relation the United Kingdom. In this regard, unless exempted by applicable Privacy Laws, we will either (a) seek your express or implied consent to do so prior to the transfer of your personal information overseas or (b) we will take reasonable steps to ensure that the overseas recipient does not breach the Privacy Laws applicable in relation to your personal information. Transfer of your personal information will only be made for one or more of the purposes specified in this Privacy Policy.

 

When we take reasonable steps, we will ensure that transfers of personal information are in accordance with applicable law and carefully managed to protect your privacy rights and transfers are limited to either countries which are recognised as providing an adequate level of legal protection or where we can be satisfied that alternative arrangement are in place to protect your privacy rights. To this end:

 

• Where we transfer your personal information either outside our group of companies or to third parties who help provide our services, we obtain contractual commitments from them to protect your personal information; or

• Where we receive requests for information from law enforcement or regulators, we carefully validate these requests before any personal information are disclosed.

You have a right to contact us for more information about the safeguards we have put in place (including a copy of relevant contractual commitments) to ensure the adequate protection of your personal information when this is transferred as mentioned above.

 

Your obligations when you provide personal information of others

 

You must not provide us with personal information (including any sensitive information) of any other individual unless you have the express or implied consent of that individual to do so. If you do provide us with such information about another individual, before doing so you:

 

• must tell that individual that you will be providing their information to us; and

• warrant that you have that individual's consent to provide their information to us.

 

If you have not done this, you must tell us before you provide any third party information.

 

Your obligations when we provide you with personal information

 

If we give you, or provide you access to, the personal information of any individual, you must only use it:

 

• for the purposes we have agreed to; and

• in compliance with applicable Privacy Laws and this Privacy Policy.

 

You must also ensure that your agents, advisers, employees and contractors meet the above requirements.

 

Accuracy, access and correction of your personal information

 

We take reasonable steps to ensure that your personal information is accurate, complete and up to date whenever we collect, use or disclose it. However, we also rely on you to advise us of any changes to your personal information. All personal information identified as being incorrect is updated in our database and, where applicable and appropriate, on our website.

 

Please contact us using our contact details below as soon as possible if there are any changes to your personal information or if you believe the personal information, we hold about you is not accurate, complete or up to date.

 

You can make a request to access your personal information by contacting us using the contact details below. If you make an access request, we will provide you with access to the personal information we hold about you unless otherwise required or permitted by law. We will notify you of the basis for any denial of access to your personal information.

 

We may charge a fee where permitted by law, for instance if your request is manifestly unfounded or excessive. We may also charge the reasonable cost of third parties who assist us in complying with the access request.

 

If you are an individual based in or a resident of the European Union or the United Kingdom, there are additional rights available to you. Please see below your detailed rights including rights of access, erasures, rectification and portability of your personal data.

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