PRIVACY POLICY
This privacy notice contains important information on who we are, how and why we collect, store, use and share personal information, your rights in relation to your personal information and on how to contact us and supervisory authorities in the event you have a complaint.
WHO WE ARE
Captives.Insure and Empowered Risk Solutions, LLC (collectively “the Company”) provides professional services to insurance brokers and other professional advisors of insureds. The Company collects, uses and is responsible for certain personal information about you.
THE PERSONAL INFORMATION WE COLLECT AND USE
Information collected by us in the course of providing insurance services we collect a variety of personal information by phone, email and postal correspondence, through the use of our website, and during our dealings with clients, regulators. Personal information we collect includes the following:
Type of Personal Information
Example Individual details
Name and title
Home address, personal email address, telephone numbers
Date and place of birth
Nationality
Gender
Marital status
Employer, job title, employment history, work email address and telephone numbers
Official identification details
National Insurance number
Passport
Driving licence
Special categories of personal information
health data
Financial information
Credit history and credit score
Source of income and amount
Details of assets
Risk details
criminal convictions or fraudulent activity
Directors’ disqualification orders and undertakings
Anti-fraud information
Information obtained through sanctions checks
Information received from various antifraud databases
Other
Information obtained through general correspondence
IP address and domain name, location data and other information collected if you visit our website
Information obtained by other electronic means if you visit our offices, such as door access cards and CCTV footage
Dietary information if you attend one of our events
INFORMATION COLLECTED FROM OTHER SOURCES
We also obtain personal information from other sources as follows:
your employer
broker and other insurance market participants such as coverholders, insurance agents, service providers, reinsurers, other insurers, actuaries, third party agents, legal advisers, loss adjusters and claims handlers
captive managers
credit reference agencies and background reference agencies
recruitment agencies
antifraud databases, sanctions lists, court judgements and other databases
government agencies and regulators
publicly available information such as social media websites
in the event of a claim, third parties including any other party to the claim (such as a claimant/defendant), witnesses, experts, medical experts, hospitals and other healthcare provider, loss adjusters, lawyers and solicitors, and third party claims handlers.
HOW WE USE YOUR PERSONAL INFORMATION
We use your personal information to:
provide professional services to our clients;
monitoring our compliance with the laws and regulations that affect us
business to business emails regarding information about our business, and invitations to events we hold
for our own analysis so we can improve our business and ensure we are offering appropriate insurance products
We will share personal information with regulators, law enforcement officials or other authorities if required by applicable law.
We will not share your personal information with any other third party.
Insurers, brokers, and other professional captive service providers that we use will have their own privacy notice and you should be aware of the terms of these located on the website of these insurers.
HOW LONG YOUR PERSONAL INFORMATION WILL BE KEPT
We will hold personal information we collect for the period we are required to retain this information by applicable legal and regulatory provisions from the termination of our arrangements or such other period specified in our Data Retention Policy.
REASONS WE CAN COLLECT AND USE YOUR PERSONAL INFORMATION
We may collect your information because the data is necessary for our performance of a contract with you, because you have consented to our use of your personal data, or because it is in our legitimate business interests to use it (legal basis). You may withdraw your consent to such processing at any time. However, if you wish to withdraw your consent, you provide sufficient information to allow us to locate all of the data.
YOUR RIGHTS
A number of important rights may be available to you free of charge. In general, those may include rights to:
access to your personal information and to certain other supplementary information that this Privacy Notice is already designed to address
require us to correct any mistakes in your information which we hold
require the erasure of personal information concerning you in certain situations
receive the personal information concerning you which you have provided to us, in a structured, commonly used and machine-readable format and have the right to transmit those data to a third party in certain situations
object at any time to processing of personal information concerning you for direct marketing
object to decisions being taken by automated means which produce legal effects concerning you or similarly significantly affect you
object in certain other situations to our continued processing of your personal information
otherwise restrict our processing of your personal information in certain circumstances
For further information on each of those rights, including the circumstances in which they apply, please consult your professional legal advisor
If you would like to exercise any of those rights, please: email, call or write to us. You can unsubscribe from any marketing emails that we send by clicking on the unsubscribe button within the email.
KEEPING YOUR PERSONAL INFORMATION SECURE
We have appropriate security measures in place to prevent personal information from being accidentally lost, or used or accessed in an unauthorized way. We limit access to your personal information to those who have a genuine business need to know it. Those processing your information will do so only in an authorized manner and are subject to a duty of confidentiality.
We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so.
CHANGES TO THIS PRIVACY NOTICE
We may change this privacy notice from time to time.
HOW TO CONTACT US
We hope that can resolve any query or concern you raise about our use of your information.
If you have any questions about this privacy notice or the information we hold about you then you can contact us:
by letter
8 The Green, Suite A
Dover, DE 19901;
or by email
legal@captives.insure
DO YOU NEED EXTRA HELP?
If you would like this notice in another format (for example: audio, large print, braille) please contact us (see ‘How to contact us’ above).