Specialist insurances and IR35 advice
1.1 We are committed to safeguarding the privacy of our website visitors; in this policy, we explain how we will treat your personal information.
2) General Data Protection Regulation
2.1 If the General Data Protection Regulation applies to you because you are in the European Union, you have rights under data protection laws in relation to your personal data:
2.3 The right of access – that’s a right to make what’s known as a ‘data subject access request’ for copy of the personal data we hold about you;
2.4 The right to rectification – that’s a right to make us correct personal data about you that may be incomplete or inaccurate;
2.5 The right to erasure – that’s also known as the ‘right to be forgotten’ where in certain circumstances you can ask us to delete the personal data we have about you (unless there’s an overriding legal reason we need to keep it);
2.6 The right to restrict processing – that’s a right for you in certain circumstances to ask us to suspend processing personal data;
2.7 The right to data portability – that’s a right for you to ask us for a copy of your personal data in a common format (for example, a .csv file);
2.8 The right to object – that’s a right for you to object to us processing your personal data (for example, if you object to us processing your data for direct marketing); and
2.9 Rights in relation to automated decision making and profiling – that’s a right you have for us to be transparent about any profiling we do, or any automated decision making.
2.10 These rights are subject to certain rules around when you can exercise them. You can see a lot more information on them, if you are interested, on the UK Information Commissioner’s Office website.
2.11 Larsen Howie Limited is registered with the UK Information Commissioner
2.12 Our data protection registration number is ZA202461.
2.13 You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
2.14 We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
2.15 We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
2.17 You have the right to make a complaint at any time to the Information Commissioner's Office (“ICO”), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.
3) Privacy Statement
3.1 Some of the personal information required from you may be sensitive information (such as information about health or criminal convictions) about you. We will not use sensitive information except for the specific purpose for which you provide it to us and to provide the services described in this policy.
4) Payment Card Industry Data Security Standards
4.1 We and our selected payment card system provider adhere to Payment Card Industry Data Security Standards. These are worldwide standards set up to help businesses process card payments securely and reduce card fraud. This is done through tight controls surrounding the storage, transmission and processing of cardholder data. PCI DSS is intended to protect any sensitive cardholder data we receive from you.
5) Collecting Personal Information
5.1 We may collect, store and use the following kinds of personal information:
5.1.1 information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths);
5.1.2 information that you provide to us when registering with our website (including your email address);
5.1.3 information that you provide when completing your profile on our website (including your name, profile pictures, gender, date of birth, relationship status, and employment details);
5.1.4 information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters (including your name and email address);
5.1.5 information that you provide to us when using the services on our website, or that is generated in the course of the use of those services (including the timing, frequency and pattern of service use);
5.1.6 information relating to any purchases you make of our goods or services or any other transactions that you enter into through our website (including your name, address, telephone number, email address and card details);
5.1.7 information that you post to our website for publication on the internet (including your user name, your profile pictures and the content of your posts);
5.1.8 information contained in or relating to any communication that you send to us or send through our website (including the communication content and metadata associated with the communication); and
5.1.9 any other personal information that you choose to send to us.
5.2 Before you disclose to us the personal information of another person, you must obtain that person's consent to both the disclosure and the processing of that personal information in accordance with this policy.
6) Using Personal Information
6.1 Personal information submitted to us through our website will be used for the purposes specified in this policy or on the relevant pages of the website.
6.2 We may use your personal information to:
6.2.1 administer our website and business;
6.2.2 personalise our website for you;
6.2.3 enable your use of the services available on our website;
6.2.4 send you goods purchased through our website;
6.2.5 supply to you services purchased through our website;
6.2.6 send statements, invoices and payment reminders to you, and collect payments from you;
6.2.7 send you non-marketing commercial communications;
6.2.8 send you email notifications that you have specifically requested;
6.2.9 send you our email newsletter, if you have requested it (you can inform us at any time if you no longer require the newsletter);
6.2.10 send you marketing communications relating to our business which we think may be of interest to you, by post or, where you have specifically agreed to this, by email or similar technology (you can inform us at any time if you no longer require marketing communications);
6.2.11 provide third parties with statistical information about our users (but those third parties will not be able to identify any individual user from that information);
6.2.12 deal with enquiries and complaints made by or about you relating to our website;
6.2.13 keep our website secure and prevent fraud; and
6.2.14 verify compliance with the terms and conditions governing the use of our website (including monitoring private messages sent through our website private messaging service).
6.3 If you submit personal information for publication on our website, we will publish and otherwise use that information in accordance with the licence you grant to us.
6.4 We will not, without your express consent, supply your personal information to any third party for the purpose of their or any other third party's direct marketing.
7) Disclosing Personal Information
7.1 We may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes set out in this policy.
7.2 We may disclose your personal information to any member of our group of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) insofar as reasonably necessary for the purposes set out in this policy.
7.3 We may disclose your personal information:
7.3.1 to the extent that we are required to do so by law;
7.3.2 in connection with any ongoing or prospective legal proceedings;
7.3.3 in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);
7.3.4 to the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling; and
7.3.5 to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.
7.4 Except as provided in this policy, we will not provide your personal information to third parties.
8) Data Sharing
8.1 We have relationships with a number of third parties who refer customers to us. If you were referred to us by one of these third parties, with whom you are associated, and with whom we have an agreement, we may share with them relevant information you will have supplied during the insurance purchasing process which is held by ourselves as well as provide a copy of your policy certificate. If you were referred by an accountancy provider, we may also share details with your recruitment agency, having first gained your permission.
9) International Data Transfers
9.1 Information that we collect may be stored and processed in and transferred between any of the countries in which we operate in order to enable us to use the information in accordance with this policy.
9.2 Personal information that you publish on our website or submit for publication on our website may be available, via the internet, around the world. We cannot prevent the use or misuse of such information by others.
9.3 You expressly agree to the transfers of personal information described in this Section 5.
10) Retaining Personal Information
10.1 This Section 6 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 information.
10.2 Personal information that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.
10.3 Notwithstanding the other provisions of this Section 6, we will retain documents (including electronic documents) containing personal data:
10.3.1 to the extent that we are required to do so by law;
10.3.2 if we believe that the documents may be relevant to any ongoing or prospective legal proceedings; and
10.3.3 in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk).
11) Security of Personal Information
11.1 We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.
11.2 We will store all the personal information you provide on our secure servers.
11.3 All electronic financial transactions entered into through our website will be protected by encryption technology.
11.4 You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.
11.5 You are responsible for keeping the password you use for accessing our website confidential; we will not ask you for your password (except when you log in to our website).
12.1 We may update this policy from time to time by publishing a new version on our website.
12.2 You should check this page occasionally to ensure you are happy with any changes to this policy.
12.3 We may notify you of changes to this policy by email or through the private messaging system on our website.
13) Your Rights
13.1 You may instruct us to provide you with any personal information we hold about you; provision of such information will be subject to:
13.1.1 the payment of a fee (currently fixed at GBP 10); and
13.1.2 the supply of appropriate evidence of your identity (for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address).
13.2 We may withhold personal information that you request to the extent permitted by law.
13.3 You may instruct us at any time not to process your personal information for marketing purposes.
13.4 In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt out of the use of your personal information for marketing purposes.
14) Third Party Websites
14.1 Our website includes hyperlinks to, and details of, third party websites.
14.2 We have no control over, and are not responsible for, the privacy policies and practices of third parties.
15) Updating Information
15.1 Please let us know if the personal information that we hold about you needs to be corrected or updated.
16.2 Please refer to our Cookies Policy for full details on how we use and handle cookies. This can be found on our website www.larsenhowie.co.uk
17) Our Details
17.1 This website is owned and operated by Larsen Howie Limited.