You will appreciate that this policy will need to change over time so we will post changes to this page as necessary when material changes are required.
1. WHO ARE WE?
This website is owned and controlled by Larsen Howie Limited.
Larsen Howie Limited is registered in England and Wales. The company registration number is 9887741. The registered office of the company is Offices 8 & 9 Burrough Court, Burrough-on-the-Hill, Melton Mowbray, Leicestershire, LE14 2QS.
Telephone: 01163 800 400.
E-mail address: [email protected].
2. FINANCIAL CONDUCT AUTHORITY
Larsen Howie Limited is authorised and regulated by the Financial Conduct Authority. Our FCA firm reference number is 738973.
3. THE GENERAL DATA PROTECTION REGULATION (THE "GDPR")
For the purposes of the GDPR, the controller is Larsen Howie Limited. We process personal data in accordance with the United Kingdom's data protection laws, which include the GDPR and its UK implementation, the Data Protection Act 2018.
4. INFORMATION WE MAY COLLECT FROM YOU
We may collect and process the following data about you:
- Information that you provide by completing online forms on our website www.larsenhowie.co.uk and/or any subdomains ("our site"); as well as any of our forms hosted on other affiliates’ or partners’ pages. This includes information provided at the time of purchasing a policy or requesting further services and information. We may also ask you for information if you report a problem with our site;
- Information passed to a sales advisor whilst processing a policy over the phone.
On both occasions this may include sensitive personal information (defined as special categories of data) such as details of criminal convictions
We may keep a record of:
- Any correspondence between you and us;
- Details of the transactions you carry out through our site and of the fulfilment of these;
- Survey completions and/or competition entries. You are under no obligation to complete such surveys or enter such competitions; and,
- Demographic, user behaviour and profile data collected on our site. This information may be combined with other forms of information to permit us to bring together, in aggregate and non-aggregate form, information about the people who use our website. Such information will enable us to understand, in general terms, user preferences in relation to the content of the website and the effectiveness of our advertising.
5. INFORMATION THAT IS AUTOMATICALLY LOGGED
When you enter our website, we use your Internet Protocol ("IP") address to help diagnose problems with our server and to administer our website. We also have the ability to know what type of operating system and browser software you use and to identify the geographical location of your browser. Your IP address is also used by us to gather broad demographic information and for other purposes, such as monitoring visitor frequency. We may also employ web analytics to monitor mouse clicks and movements, scrolling activity and any text you type on our website. Such analytics services do not record any personally identifiable information. The information is stored and is used for aggregated and statistical reporting, and although the aggregated statistics may be shared with third parties, such as advertisers, the underlying data is not shared with anybody else.
The cookies that are used for tracking are set by our server, Google Analytics, Zoho PagesSense and Zoho SalesIQ.
For detailed information on how Google Analytics uses your data and sets its cookies please visit their site via the link: https://support.google.com/analytics/answer/6004245.
The cookies set by Zoho PageSense and the specific information that they collect are detailed at the following link: https://www.zoho.com/privacy/cookie-policy.html.
The cookies set by Zoho SalesIQ and the specific information that they collect are detailed at the following link: https://www.zoho.com/privacy/cookie-policy.html.
The cookies that are set to enable us to improve and personalise our advertising on other websites are set by AdRoll, Google Adwords, Bing and Facebook. They enable us to know when our advertising is working and allow us to offer you additional products and services via ads on other third party websites. Affiliate tracking cookies allow us to see if our customers have come to our site through one of our partner sites so that we can then credit them and apply any discounts upon purchase where applicable.
We also use social media buttons and/or plugins on this site that allow you to connect with your social network in various ways. For these to work the following social media sites including Facebook, Twitter, YouTube and LinkedIn will set cookies through our site which may be used to enhance your profile on their site or contribute to the data they hold for various purposes outlined in their respective privacy policies.
A cookie does not allow us to obtain information of a personal nature that could be used to identify you, such as your name or address. We will only be aware of such information if you provide the information to us or you have set the preferences in your browser to provide this information automatically.
In addition, should you see targeted ads on third party websites and wish to be excluded from this targeting you may disable them by clicking on the 'Ad Choices' section of the ad and setting your preferences there.
For information about AdRoll, its use of your data and how to exercise your choices with them, refer to the following link: https://www.adrollgroup.com/privacy.
If you are unsure of your cookie settings, we recommend visiting the website www.aboutcookies.org. This website gives you detailed step by step guidance on how to control and delete cookies depending on your browser type. You can then adjust your browser settings to your preferred level of protection.
7. WHY WE COLLECT CERTAIN INFORMATION AND WHAT WE DO WITH IT
We will hold, use and disclose your personal information for a number of legitimate business purposes, including:
- To provide you with information, products or services that you request from us;
- To answer your enquiries;
- To carry out our obligations arising from any contracts entered into between you and us;
- To notify you about changes to our service;
- To ensure that content from our site is presented in the most effective manner for you and for your computer;
- To market our products and services, advise you of news and industry updates, events, promotions and competitions, reports and other information. Where we do so, you will be given an opportunity to opt-out of receiving such information when we collect your e-mail address, and also an "unsubscribe" opportunity with each such communication. Further details about this are set out in the separate section below on Marketing;
- To provide further services to you by sharing your personal information with other trusted parties. Further details about this are set out in the separate section below on Disclosure of Information; and
- To release personal information to regulatory or law enforcement agencies, if they require us to do so. We will also disclose your personal information where we are permitted and requested to do so by law enforcement agencies.
8. THE LEGAL BASIS FOR PROCESSING YOUR INFORMATION UNDER GDPR
Under GDPR, there are various grounds on which we are permitted to process your personal data. The main grounds that we rely upon are the following:
- Necessary for entering into, or performing, a contract – in order to perform obligations that we undertake in providing a service to you, or in order to take steps at your request to enter into a contract with us, it will be necessary for us to process your personal data;
- Necessary for compliance with a legal obligation – we are subject to certain legal contractual requirements which require us to process your personal data. We may also be obliged by law to disclose your personal data to a regulatory body or law enforcement agency;
- Necessary for the purposes of legitimate interests - either we, or a third party, such as an insurer, will need to process your personal data for the purposes of our (or a third party's) legitimate interests, provided we have established that those interests are not overridden by your rights and freedoms, including your right to have your personal data protected. Our legitimate interests include responding to requests and enquiries from you or a third party, optimising our website and customer experience, informing you about our products and services and ensuring that our operations are conducted in the most appropriate manner; and
- Consent – in some circumstances, we may ask for your consent to process your personal data in a particular way. See also section 18 below.
We will keep you up to date with relevant news and information regarding products, services, competitions and offers and will only use your data to contact you directly via email, and text or SMS. You have the option to amend your preferences and indicate whether you wish to receive communications about the services that we and our partners offer at any time by visiting https://www.larsenhowie.co.uk/customer/account/login/. Each email and text communication will enable you to easily unsubscribe from future communications sent via that specific method.
Please note that if you have purchased a policy but have unsubscribed from marketing communications we will still send you key customer service communications that are relevant to your policy. This may include industry updates that may affect your policy, in accordance with the terms of this statement.
We will not sell your data to any third party nor will we disclose your personal data to a third party for their own marketing purposes unless we have your specific permission.
10. HOW YOUR INFORMATION IS STORED
11. DISCLOSURE OF INFORMATION
In certain circumstances we will share your personal information with other parties. Details of those parties are set out below along with the reasons for sharing it.
If you have purchased insurance cover, we will disclose information held about you to the insurer for the purposes of them providing the insurance cover. Insurers are also subject to the data protection laws and upon transfer of this data you accept that they become a controller in their own right in respect of your data and you become subject to their privacy policies for which we do not accept any responsibility or liability.
Where applicable we will disclose information to payment providers including GoCardless of 338-346 Goswell Road, London, EC1V 7LQ and PremFina of Lansdowne House, 1st Floor, 57 Berkley Square, Mayfair, London, W1J 6ER who provide the credit facilities that you may utilise in relation to paying the premium for the insurance policy. Alternatively if you pay for your policy using a payment card such as a debit or credit card, we will disclose your payment card data to Sage Pay, a payment card acquirer, of Head Office, Sage Pay Europe Limited, North Park, Newcastle upon Tyne, NE13 9AA for the purpose of processing your payment to us. We will also disclose information to Sanctions Search of 45 Market Street Hoylake, Wirral, CH47 2BQ who provide sanctions checking services.
If you are eligible to receive retail vouchers as a result of any promotions or competitions we may disclose information to a voucher administrator, Hemingways Marketing Services Ltd t/a Voucher Express of Metcalfe House, 23H Kirkgate, Ripon, North Yorkshire HG4 1PB for the distribution of such vouchers.
We may engage a third party to assist us in relation to the site, for example, to provide us with website hosting services. If necessary for providing the services to us, we will pass your information to that third party. However, we will control and be responsible for the use of your information at all times.
We have relationships with a number of accountancy firms, recruitment companies and trade and professional associations. If you were referred to us by one of these organisations, with whom you are associated, and with whom we have an agreement, we may share with them the status of your policy and 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 schedule. If you were referred by your accountancy provider, we may also share details with your recruitment agency, having first gained your permission.
We share information in aggregate form with advertisers and other partners. The information in aggregate form permits us to carry out an analysis of user behaviour in general. This allows us to measure overall interest in our site and to help us develop the site to make it more interesting in general terms. We will also be able to inform any advertisers how many users have clicked on to the various advertisements displayed on our site. The analysis we perform does not include any personal information provided by you. We merely use the aggregate form of the information for these.
We may disclose your personal information to third parties:
- In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets; or,
- If Larsen Howie Limited or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce our Terms of Business and other agreements; or to protect the rights, property, or safety of our customers, ourselves or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
Our site may, from time to time, contain links to and from the websites of our advertisers. If you follow a link to any of these websites, please note that data about you may be collected by these websites which will have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
12. YOUR RIGHTS
You have the right to ask us not to process your personal data for marketing purposes at any time. You can exercise your right to prevent such processing by visiting https://www.larsenhowie.co.uk/customer/account/login/. You also have the right under GDPR in certain circumstances to:
- object to our processing of your personal data where it is based on our legitimate interests;
- have your personal data erased;
- restrict our processing of your personal data even though we will still hold the data.
If you wish to exercise these rights, please email [email protected]. Please note that there are limitations on these rights, and we may not be able to action your request. However, we will give you reasons for doing so.
After purchasing your insurance with Larsen Howie Limited we may pass your name and email address on to our customer reviews partner Feefo. Feefo is an independent company specialising in collecting impartial customer feedback. Any feedback you provide will be publicly visible on Feefo's website, but your name and email address are not made publicly available.
You have no obligation to leave feedback for us, and Feefo will not share your information in any way or market to you in any way. If you wish to opt out of being asked by Feefo to provide your feedback, please email [email protected]
14. TELLING YOU WHAT INFORMATION WE HOLD ABOUT YOU
You have the right at any time to access information held about you. If you wish to know what information we hold about you, please contact us at the e-mail address in the Contact Us section. Where we have good reason to do so, and where the GDPR permits, we can refuse your request for a copy of your personal information, or certain elements of the request. If we refuse your request or any element of it, we will give you reasons for doing so.
15. REMOVING AND CORRECTING INFORMATION
You have the right to have rectified any inaccurate personal data that we hold about you, and to complete any incomplete data. Aside from inaccuracy, if you request the removal of your personal information from our database or you wish us to amend or change the information we hold about you on our database, we will, where required, remove or amend any such information on your contacting us to request such a change. We are required to hold certain information for a number of years in relation to the contract(s) we enter into with you (including financial information that we need to keep for periods of up to six years, i.e. that relate to tax matters). This information will not be removed until we are legally or contractually allowed to do so. We will provide reasons if we are unable to comply with a request for deletion or amendment.
16. UPDATING DATA
Should any of the information change that you have previously provided to us, please contact us and we will update your records.
17. DATA PORTABILITY
In certain instances, you have the right to receive any personal information that we hold about you in a structured, commonly used and machine-readable format.
You can ask us to transmit that information to you or directly to a third party organisation.
The above right exists only in respect of personal information that:
(a) you have provided to us previously; and
(b) is processed by us using automated means.
While we are happy for such requests to be made, we are not able to guarantee technical compatibility with a third party organisation's systems. We are also unable to comply with requests that relate to personal information of others without their consent. If we are unable to fulfil a request, we will provide you with reasons why.
Where we are relying on your consent to process personal data, you have the right to withdraw your consent to our holding and processing of your personal information at any time. You can do this by contacting us using the details in the Contact section below.
If you are unhappy about our use of your personal information you can contact us using the details in the Contact section below. You are also entitled to lodge a complaint with the UK Information Commissioner’s Office using any of the below contact methods:
Telephone: 0303 123 11113 (local rate) or 01625 545 745 if you prefer to use a national rate number
Email: [email protected]
Post: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
20. CONTACT US