Our Information Practises
We collect, use and disclose the following categories of information as follows.
When customers and prospective customers apply or enquire about our services, we ask them to provide us with contact details, for example name, address and email address. We use contact details to provide information regarding our services to clients and prospective clients and to maintain a record of enquiries. We may send clients and prospective clients email messages using company contact information in the following circumstances:
- To issue quotations
- To notify clients and prospective clients of service promotions
Information we hold
When clients take out a policy, we hold personal data about them. This includes:
- Your name and address for correspondence
- Your date of birth
- Details of any previous claims and driving convictions
- Medical histories that are reportable to the DVLA
- Your occupation
We will use the information we hold to administer your policy, process your claims and to detect and prevent fraud as appropriate. We may give out information to third parties
- as necessary administration of your plan
- to help detect and prevent fraud or improper claims
All insurers supply details of policies to databases, which the police and other insurers have access to. This helps to detect people who break the law by not taking out insurance and assists when dealing with claims. We will only use and disclose information we have about you in the normal course of arranging and administering your insurance. We may also use this information to inform you about other products and services, which we feel may be appropriate to you.
Insurers and their agents may share information with each other to prevent fraudulent claims and to assess whether to offer insurance (including privacy terms), via the Claims and Underwriting Exchange Register operated by Insurance Database Services Ltd.
Lists of participants are available on request. In dealing with your application this register may be searched.
In the event of a claim, the information you have supplied and the claim form together with other information relating to the claim, will be put on the register and made available to participants.
Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers Information Centre (MIIC). This may be consulted by the Police in order to establish who is insured to drive the vehicle. If you are involved in an accident (in the UK or abroad), other UK Insurers, the Motor Insurers Bureau and MIIC may search the MID to ascertain relevant policy information. Persons with a valid claim in respect of a road traffic accident (including citizens of other countries) may also obtain certain information which is held on the MID. You can find out more about this from your Insurer, or at www.miic.org.uk.
Duty of Disclosure
We will provide you with a quotation based on the information you provide to us. It is essential that all information and answers you give are true and accurate as undisclosed information could invalidate any insurance subsequently arranged. This could lead to claims not being met.
If you are in any doubt as to the relevance or accuracy of the information you provide, you must discuss this with one of our operators.
Governing Law and Jurisdiction
Policies shall be interpreted under, governed by and construed in accordance with the laws of England.
Falcon Insurance is licensed by the Information Commissioner as a data processor and controller. We adhere to the principles of the Data Protection Act and will use any available data solely for the purpose intended.
You also have the right to request a copy of all the personal information we hold about you. To do this, simply write to us at the following address enclosing a cheque for £10.00 payable to Falcon Insurance to cover our administrative costs in dealing with your request:
Falcon Insurance, 72-74 Oldbury Road, Rowley Regis, West Midlands B65 0JS
We will take all reasonable steps to confirm your identity before providing you with details of any personal information we may hold about you.
Records and Documents
We treat all client records as confidential.
Personal information, including information of a sensitive nature, provided by clients may be retained on manual and/or computer records and/or by other means and will not be disclosed to other parties except to our Auditors and any other organisation allowed access under Statue or exercising their legal entitlement to such access. You are entitled to a copy of such information and where appropriate to have such data corrected or erased.
Calls may be recorded and monitored.
Except as described above, we will not otherwise use or disclose any personally identifiable client information, except where it is necessary and reasonable to do so in order:
- To correct technical problems and to technically process your information
- To protect the security and integrity of the web site and our service
- To protect our rights and property and the rights and property of others
- To take precautions against liability
- To respond to claims that your information violates the rights or interests of third parties
- To the extent required by law or to respond to judicial process or
- To the extent permitted under other provisions of law, to provide information to law enforcement agencies or for an investigation on a matter related to public safety, as applicable
You understand and agree that technical processing of your information is and may be required (a) to send and receive messages in your use of the Service; (b) to conform to the technical requirements of connecting networks; (c) to conform to the limitations of our Service; and (d) to conform to other, similar technical requirements.
Links to Other Web sites
Our web site contains links to other web sites. We are not responsible for the privacy practices or the content of other Web Sites.
Our web site uses firewall technology as a standard Internet security measure to prevent the loss, misuse and alteration of the information under our control. Our web servers are located in a high security and high availability co-location facility professionally managed by a third party. The servers that we store personally identifiable information on are kept in a secure environment.
This website takes every precaution to protect our users' information. When users submit sensitive information via the website, your information is protected both on line and off-line.
We do everything in our power to protect user-information off-line. Only employees who need the information to perform a specific task are granted access to personally identifiable information.
Notification Of Changes
The Managing Director, Falcon Insurance, 72-74 Oldbury Road, Rowley Regis, West Midlands B65 0JS