Legal Protection Group is committed to keeping your information private. This policy explains how we use any personal information we collect about you when you use this website.

 

Our Approach to Privacy

The privacy and security of your personal information is very important to us. Any personal information submitted to us will be subject to the provisions of the General Data Protection Regulation 2016/679 (“GDPR”) and any legislation enforced within the UK in order to comply with GDPR, unless required to do so by law or a professional body, we will not disclose your personal data to any other person or organisation without your consent.

We want to assure you that your information will be properly managed, protected and respected. You can be assured any information you provide us will be used strictly in accordance with the terms laid out in this statement.

This privacy statement explains how we collect and use your personal information, what choices you have and other important information.

When we refer to “you” or “your” in this statement, we are referring to the individual whose personal data may be processed by us (e.g. you may be an applicant, the insured or other person involved in a claim or relevant to a policy or policy application)

 

Our Contact Details

For any questions or concerns relating to this privacy statement or our data protection practices, or to make a subject access request, please contact us at:

The Data Protection Officer
Legal Protection Group Limited
Lysander House
Bristol
BS10 7TQ

Email: enquiries@eldoninsurance.com

For more specific information regarding this statement please read below.

 

Who we are

When we talk about “Legal Protection Group” or “us” or “we”, we are talking about Legal Protection Group Limited.   Legal Protection Group Limited specialises in providing Before-The-Event and After-The-Event legal protection insurance. Our insurance products are underwritten by International Insurance Company of Hannover SE.   We are an appointed representative of Eldon Insurance Services Limited.

 

The information we collect

Information you provide to us:

In arranging and managing our insurance policies and administering claims, we may receive and process personal information about you, either through one of our partners or when you contact Legal Protection Group directly. This information may include:

 

Category

Types of Data Collected

Individual details

Name, address, gender, marital status, date of birth, nationality, marketing preferences, IP address, bank account details or payment card details, investment properties, business arrangements, vehicle details, relevant criminal convictions, penalty points, employer, job title and family details, including their relationship to you.

Identification details

Identification numbers issued by government bodies or agencies, including Your driving license number.

Credit and anti-fraud data

Credit and anti-fraud data such as credit history, credit score, sanctions and criminal offences, and information from various anti-fraud databases related to you.

Special categories of personal data and criminal convictions data

Certain categories of personal data which have additional protection under EU data protection law. These categories are health and criminal convictions.

Claims information

Information about previous and current claims, (including other unrelated insurances), which may include data relating to your health (e.g. injuries and relevant pre-existing conditions), relevant criminal convictions, or other special categories of personal data mentioned above.

Risk details

Information about you which we need to collect in order to assess the risk to be insured and provide a quote. This may include data relating to Your health, relevant criminal convictions, or other special categories of personal data.

 

Sensitive Personal Data

For some products it will be necessary to collect and process information which GDPR defines as “sensitive” (such as criminal convictions or health information) either at the point of insurance application or when a claim is made.

We will hold, use, disclose and process special categories of personal data (e.g. your health data) where:

  • you have given us your explicit consent;
  • the processing is necessary to protect your, or another's vital interest;
  • you have manifestly made your personal data publicly available;
  • the processing is necessary for the establishment, exercise or defence of legal claims; or
  • necessary for reasons of substantial public interest on the basis of law.

In these cases we will always explain what information we require and why it is needed and you will be asked to consent to it being processed.

 

Where we collect information from

We might collect your personal data from various sources, depending on your particular circumstances, including:

  • You;
  • Your family members, employers or representative;
  • Your broker, solicitor or intermediary;
  • Credit reference agencies;
  • Anti-fraud databases, sanctions lists, court judgments and other databases;
  • Government agencies such as DVLA and HMRC;
  • Publicly available information;
  • In the event of a claim, third parties including the other party to the claim (claimant/defendant), witnesses, experts (including medical experts), solicitors and claims handlers;
  • Social media;
  • Other third parties where you have consented to them sharing your personal data with us.

 

Information you provide:

We collect information about you when:

  • you visit our websites or key partner websites;
  • you request an insurance quote;
  • you take out an insurance policy;
  • you request a change to your policy, request support or submit an enquiry;
  • you notify a claim;
  • you buy any other products or services from us.

 

Information provided to or collected from third parties:

We may need to provide your personal information to public sources such as from credit agencies and fraud prevention databases plus other third parties. This information may be used to assess your application for a product, service or quote, to verify your identity, credit worthiness and carry out anti-fraud checks.

 

Online channels:

We may use information from our website including:

  • Technical information about your computer, including information about your IP address, operating system and browser
  • Information about your visit to our site, including traffic data
  • Information that you may provide by filling in forms on our site
  • Information from customer surveys and market research

 

Information we collect through Cookies and similar technologies:

Cookies are text files placed on your computer to collect standard internet log information and visitor behaviour information.   This information is used to track visitor use of the website and to compile statistical reports on website activity.

We may use both ‘session’ cookies and ‘persistent’ cookies on the website. We will use the session cookies to keep track of you whilst you navigate the site. We will use the persistent cookies to enable our website to recognise you when you visit.

We use Google Analytics to analyse the use if this website. Google Analytics generates statistical and other information about website use by means of cookies, which are stored on users’ computers. The information generated relating to our website is used to create reports about the use of the website. Google will store this information.

Google’s privacy policy is available at http://www.google.com/privacypolicy.html.

You can disable cookies by activating the relevant settings on your browser. However, if you do so you may not be able to access all the information on our sites. If you continue using our sites, and do not change your browser settings, we will assume that you approve of us using cookies as described above.

 

How we use your information

As part of our service we have a legal basis to process your personal information. Your personal information may be used in order to provide you with a quotation for and/or inception of a product or service, administration of this insurance cover, provide responses to your enquiries or support requests including the provision of helpline services, claims handling, underwriting and other administrative duties.  

We have a legal basis, without requiring notice or consent, to use your information for crime and fraud prevention and to monitor and/or enforce our compliance with any regulatory rules and codes (for example, complying with reporting obligations to the Financial Regulatory Authority, the Prudential Regulatory Authority or other applicable regulatory authorities);.

We may also need to use your personal information if it is necessary to support our legitimate interests in managing our business, including in connection with (i) improving our insurance products and services,(ii) general risk modelling, (iii) transferring books of business, company sales and reorganizations; and (iv) analytics i.e. we may analyse data using mathematical and statistical techniques to have a greater understanding of risk which will benefit those that represent a lower risk to insurers, enabling us to offer more competitive premiums, provided in each such interests are not overridden by Your interests and rights.

 

How we share your information outside of Legal Protection Group

In, order to provide our services, to comply with legal obligations imposed on us and to pursue our legitimate interests, we may from time to time disclose your personal details to third parties, including to the following:

  • Our key partners, such as business partners, brokers, intermediaries, insurers and reinsurers;
  • Third parties who provide services to us to help us administer our products and services;
  • Regulatory bodies, fraud prevention and law enforcement bodies (where we are required to do so to comply with a relevant legal and regulatory obligation);
  • Legal, financial, medical and other professional advisers;
  • Our insurer’s affiliates assisting with the operations of the Insurer;
  • Our insurer’s reinsurers, who provide reinsurance services to the insurer.

Your information may be disclosed when we believe in good faith that the disclosure is:

  • required by law;
  • to protect the safety of our employees, the public or our property;
  • required to comply with a judicial proceeding, court order or legal process; or
  • in the event of a merger, asset sale, or other related transaction.

We may disclose your information to group companies, affiliates, third party suppliers or service providers to conduct  business, for example, to help manage and store data, provide data analytics, and includes the handling of claims etc. This may include any online partners we work with, so we, or our online partners on our behalf, can communicate with you through their platforms.

 

Social Media Plugins

Our website may use social media plugins (for example, the Facebook, Twitter or LinkedIn buttons) to enable you to visit pages on these social media sites or to easily share information with others.

When you visit our online environments, the operator of the social plugin can place a cookie on your device, enabling that operator to recognize individuals who have previously visited our online environments. If you are logged into the social media website (for example, Facebook, Twitter, Google+) while browsing on our online environments, the social plugins allow that social media website to receive information that you have visited our online environments. We do not control any of the content from the social media plugins.

For more information about social plugins from other social media websites you should refer to those sites’ privacy and data sharing statements.

 

Personal information of others

If you give us information about another person (for example a family member or a client), it is your responsibility to ensure and confirm that:

  • you have told the individual who Legal Protection Group is and how we use personal information (as set out in this privacy statement); and
  • you have permission from this individual to provide their personal information (including any sensitive personal data) to us and for us to process it, as set out in this privacy statement.

 

Retention of your personal information

We will keep your personal data only for so long as is necessary and for the purpose which it was originally collected. In particular, we will retain your information for so long as there is any possibility that either you, we or a third party may wish to bring a legal claim or we are required to keep your personal information due to legal or regulatory reasons.

Information submitted for a quotation may be retained by us for a period of up to 15 months from the date of the quotation. Where You purchase our insurance product, information will be held for the duration of Your insurance cover and a period of at least 7 years after the end of our relationship. We keep information after our relationship ends in order to comply with applicable laws and regulations and for use in connection with any legal claims.

 

Data transfer and consent

Your information may be transferred by Legal Protection Group to any country, including countries outside of the European Economic Area (EEA), for processing, storage, administration or any other use stated in this statement. Those countries may not provide an adequate level of protection in relation to processing Your personal data. Due to the global nature of our business, your personal data may be disclosed to members of our group outside of the EEA, including in particular Switzerland, Bermuda and the U.S.

However, to ensure that your personal information does receive an adequate level of protection we have put in place the following appropriate safeguards in place to protect the privacy and integrity of such personal data:

Model Clauses: Copies of our current Model Clauses are available on request by using the contact details in this privacy notice These are standard clauses in our contracts with our above listed third parties to ensure that any personal data leaving the EEA will be transferred in compliance with EU data-protection law.

By providing your personal information to Legal Protection Group you consent to the transfer of your information as described above.

 

Consequences of Failure to Provide Information

If the Legal Protection Group cannot collect information requested from you, it may make it difficult, impossible, or unlawful for us to give you advice on, provide you with, and administer our insurance products. If Legal Protection Group or third parties working with us ask for information and you do not wish to give it to us, or if you wish to withdraw consent to the use of your personal data, we will explain the consequences based on the specific information concerned including whether it is a legal or contractual requirement that we use such data.

If you have any queries in respect of the consequences of not providing information or withdrawing your consent, please contact us on the details provided in this notice.

 

Individuals Rights

You have several rights in relation to your personal data. You have a right to:

  • access a copy of your personal data held by us;
  • request rectification of your personal data if it is inaccurate or incomplete;
  • request erasure of your personal data in certain circumstances;
  • restrict our use of your personal data in certain circumstances;
  • move (or port) personal data which you have given us to process on the basis of your consent or for automated processing;
  • object to the processing of your data where our legal basis for processing your data is our legitimate interests; and
  • not to be subject to a decision based on automated processing, including profiling which has legal or similar significant affects.    

 

However, these rights may not be exercised in certain circumstances, such as when the processing of your data is necessary to comply with a legal obligation or for the exercise or defence of legal claims.  If you wish to exercise any of your rights in this regard please contact us.

We will respond to your request in writing, or orally if requested, as soon as practicable and in any event not more than within one month after of receipt of your request. In exceptional cases, we may extend this period by two months and we will tell you why. We may request proof of identification to verify your request.

This Legal Protection Group privacy notice is designed to meet these requirements.  If you have any concerns, please contact us on the contact details provided at the end of this document.

 

Your Right to Complain to the ICO

If you are not satisfied with our use of your personal data or our response to any request by you to exercise any of your rights, you have the right to lodge a complaint with the Information Commissioner’s Office. Please see the below contact details:

 

England

Information Commissioner’s Office

Wycliffe House, Water Lane

Wilmslow

Cheshire

SK9 5AF

Phone: 0303 123 1113 (local rate) or 01625 545 745 (national rate)

Email: casework@ico.org.uk

Scotland

Information Commissioner’s Office

45 Melville Street

Edinburgh

EH3 7HK                                                   

Phone: 0131 244 9001

Email: scotland@ico.org.uk

Wales

Information Commissioner’s Office

2nd Floor

Churchill House

Churchill way

Cardiff

CF10 2HH

Phone: 029 2067 8400

Email: wales@ico.org.uk

Northern Ireland

Information Commissioner’s Office

3rd Floor

14 Cromac Place

Belfast

BT7 2JB

Phone: 0303 123 1114 (local rate) or 028 9027 8757 (national rate)

Email: ni@ico.org.uk

 

Security

We are committed to protecting the confidentiality and security of the information that you provide to us and we put in place appropriate technical, physical and organisational security measures to protect against any unauthorised access or damage to, or disclosure or loss of, your information.

You should also be aware that communications over the internet, such as e-mails, are not secure unless they have been encrypted. The Websites may contain links to other third party websites. These other websites will be subject to their own privacy policies which may differ from this privacy statement. You should carefully read the privacy policies of these websites before submitting any personal information.

 

Update your information or change your marketing preferences

Please let us know if your information changes as it is important that the information we hold about you is accurate and up to date. You can ask us to update or correct your personal information or opt out of Legal Protection Group’s use of your information for marketing purposes by contacting us using any of the following methods:

By Phone: 0333 700 1040

By email: enquiries@legalprotectiongroup.co.uk

 

Data subject access request

You have the right to request a copy of all the personal information we hold about you in a Subject Access Request. To do this, simply write to us at the address below and we will respond to you without delay and at least within one month of receipt of the request. We will take all reasonable steps to confirm your identity before providing you with details of any personal information we may hold about you.

 

Changes to this Privacy Statement

We may amend this privacy statement from time to time for example, to keep it up to date or to comply with legal requirements. Such amendments will be detailed on our website.

This Privacy Policy was last updated on 1st May 2018.