GM Insurance Brokers Ltd is committed to protecting information which identifies and relates to you or other individuals (personal information) and complying with data protection laws.
Policyholders, clients, suppliers, advisers, service providers, enquirers, beneficiaries or claimants and their agents and relatives (“you”)
This website may contain links to other third-party websites. If you follow a link to any of those third-party websites, please note that they have their own privacy policies and that we do not accept any responsibility or liability for their policies or processing of your personal information
Data protection laws require us to provide you with a lot of information about how we collect and use your personal information – and it is easy for all this information to become confusing rather than helpful.
We use a layered approach to provide you with the information required by law. This means that we may provide the information required in a number of different formats and documents. In particular, it means that in our initial contact with you, we may provide you only with the most important information about how we will use your personal information; but we will always provide you with easy access to all the further information you need about our privacy practices
As an example, if you buy an insurance policy from us, then we may use a three layer approach:
As an example, if you engage us to provide you with advisory services, then we may use this three layer approach:
By using this three-layer approach, we provide you with both specific and general information about how we use personal information to provide you with the insurance cover or advisory services that you require, whilst at the same time making sure that you get the most important information without overwhelming you with facts and information about all our privacy practices in one go.
1. Information we may collect about you
We may collect and process the following personal information about you:
2. Why we collect information about you
We may process personal information for certain legitimate or lawful purposes in some or all of the following ways:
3. How we may use your personal information
We may use your personal information in the following ways:
We will never process your data where these interests are overridden by your interests.
Your consent to our processing of your personal information for certain purposes may be necessary to comply with applicable data protection laws; and where this is the case we will ask you for your consent in accordance with those laws.
You may withdraw your consent to such processing at any time. However, if you withdraw your consent in relation to advisory services or insurance cover that we have provided then this is likely to impact our ability to provide those advisory services or insurance cover and pay claims under the cover.
5. Sharing your personal information
GM Insurance Brokers Ltd may make personal information available to:
We and other organisations may also access and use this information to prevent fraud and other crime, for example when deciding whether to make a payment to you under an insurance or reinsurance policy;
We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries including outside the EEA.
6. Transmission, storage and security of your personal information
Unfortunately, no data transmission over the Internet or any website can be guaranteed to be secure from intrusion. However, we maintain commercially reasonable physical, electronic and procedural safeguards to protect your personal information in accordance with applicable data protection laws.
All information within our control is stored on our secure servers (or secure hard copies) and accessed and used subject to our security policies and standards.
Where GM Insurance Brokers Ltd discloses your personal data to a third party, we require that third party to have appropriate technical and organisational measures in place to protect your personal data.
Where we have given you (or where you have chosen) a password which enables you to access certain parts of our website or any other portal we operate, you are responsible for keeping this password confidential and for complying with any other security procedures that we notify you of. We ask you not to share a password with anyone.
Your personal information may be accessed by staff or authorised third parties and, transferred to, and/or stored at, a destination outside the European Economic Area (EEA) where the data protection laws may be of a lower standard than in the EEA. Regardless of location or whether the person is an employee or contractor we will impose the same data protection safeguards that we deploy inside the EEA.
7. Retention of your personal information
We maintain a data retention policy which we apply to all data in our care. Where your personal information is no longer required we will ensure it is securely deleted.
8. Your rights
Data protection laws give you rights in relation to the personal information we hold about you, which may include the right to require us to:
9. Contacting us
The Managing Director supervises how we use personal information. You can contact the Managing Director about privacy related issues by:
11. Cookies Statement
12. Your right to complain
If you are not satisfied with our use of your personal information or our response to any request by you to exercise your data protection rights, or if you think that we have breached any relevant data protection laws, then you have the right to complain to the authority that supervises our processing of your personal information. In the UK, this is the ICO, details of which can be found here https://ico.org.uk/
If you are unsure of the authority that supervises our processing of your personal information, then please contact us for further guidance.