1. OUR APPROACH
1.2 By using the Services, you agree to the terms and conditions of this Privacy Statement.
2. Collection of Personal Data
2.1 “Personal Data” are data that identify you as an individual or relate to an identifiable individual. We collect Personal Data in accordance with law. We will collect personal data when you obtain a quote for one of our products of services, or in the course of providing you with one of our products of services. We will also collect personal data when you register with us or provide your information through our website. The types of information we collect may include:
2.1.1 Information you provide us in your insurance application, including names, addresses, date of birth or other information provided by you in your application for insurance;
2.1.2 Information you provide us to help us carry out our obligations under any insurance contract in place between us and you;
2.1.3 Information you provide us relating to an insurance claim you make; and
2.1.4 Information you provide us through one of our mobile apps or customer portals.
2.2 We will use your personal data, and may share your personal data with other third parties acting on our behalf, for one or more of the following purposes:
2.2.1 To analyse your insurance needs;
2.2.2 To give you an estimate or provide you with a quote for one of our policies;
2.2.3 To administer or carry out our obligations under any insurance contract in place between us and you;
2.2.4 To assess and adjust any insurance claim you make;
2.2.5 To assess and respond to a complaint you might make relating to our products or services; and
2.2.6 To ensure the security of your account and our business, preventing or detecting fraud or abuses of our website, for example, by requesting verification information in order to reset your account password.
2.3 In certain circumstances, we may need to collect sensitive personal data about you, which may include information about:
2.3.1 Your physical or mental health condition, or the physical or mental health condition of members of your family, or the physical or mental health condition of one of your employees; and
2.3.2 Any criminal offence or alleged criminal offence committed by you, or members of your family, or one of your employees.
2.4 We will only use such sensitive personal data to:
2.4.1 To administer or carry out our obligations under any insurance contract in place between us and you;
2.4.2 To assess and adjust any insurance claim you make; and
2.4.3 To assess and respond to a complaint you might make relating to our products or services.
2.5 We may also collect non-personal data (i.e. information that has been sufficiently anonymised and aggregated such that you cannot be identified directly or indirectly from it). Further information about our use of non-personal data is included in paragraph 9 (below).