Privacy Notice
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Introduction
We are committed to protecting and respecting your privacy. This Privacy Notice will help you understand how we collect, use and protect your personal data given to us.
Please take a few moments to read the sections below and learn how we may use personal data. You should also show this policy to anyone else whose personal data you may disclose to us.
The insurance lifecycle may involve the sharing of your personal data with other insurance market participants, some of which, you may not have direct contact with. You can find out more information about these by contacting the intermediary that you purchased your policy from.
The data controller is Munich Re Digital Partners Limited, 1 Fen Court, London, EC3M 5BN.
The insurer, Great Lakes Insurance SE (GLISE), is also a data controller. GLISE are located at 1 Fen Court, London, EC3M 5BN.
For more information and to view their privacy notice, please visit: Great Lakes Insurance SE Privacy Notice.
Please contact the Data Protection Officer (details below) if you have questions concerning this Privacy Notice or your Data Subject Rights. These include:
- Data Subject Access Request: To request access to your personal data and information about its processing.
- Data Portability: The transfer of your personal data to another Data Controller.
- Erasure: To have your personal data removed or deleted.
- Rectification: To have your personal data corrected if it is inaccurate.
- Restrict Processing: To restrict processing where your personal data is inaccurate, or the processing is unlawful.
- Objecting to direct marketing (NOTE: we do not do direct marketing).
- Object to processing based on legitimate interest.
The Data Protection Officer
Munich Re Digital Partners Limited
1 Fen Court
London
EC3M 5BN
Email: p0060006431@munichre.com
What information do we collect about you
We collect your personal data through our Digital Partners. The personal data will vary with each Digital Partner.
Personal Data
| Categories of data | Type of information processed | Where the data comes from | Who we disclose the data to | Purpose of processing | Lawful basis of processing |
|---|---|---|---|---|---|
| Individual Information | Name, address, post code, marital status, date and place of birth, nationality, named individuals on your policy. | MRDP’s Digital Partners | Internally within MRDP. Reinsurer. Group companies. Third party service providers | Underwriting and Pricing analysis. Complaints management. | For the performance of a contract with you. |
| Financial Information | Premiums and claims paid on your policies. | MRDP’s Digital Partners | Internally within MRDP. Reinsurer. Group companies. Third party service providers | Underwriting and Pricing analysis. | For the performance of a contract with you. |
| Policy Information | Information about previous and current policies. | MRDP’s Digital Partners Data Enrichment Providers | Internally within MRDP. Reinsurer. Group companies. Third party service providers | Underwriting and Pricing analysis. Complaints management. | For the performance of a contract with you. |
| Quote Information | Information about previous and current quotes. | MRDP’s Digital Partners Data Enrichment Providers | Internally within MRDP. Reinsurer. Group companies. Third party service providers | Underwriting and Pricing analysis. | For the performance of a contract with you. |
| Claim Information | Information about previous and current claims. | MRDP’s Digital Partners Loss Adjusters. | Internally within MRDP. Reinsurer. Group Companies. Third party service providers. | Underwriting and Pricing analysis. Claims management. | For the performance of a contract with you. Processing is necessary for the defence of legal claims. |
| Statutory and anti-fraud information | Credit history, credit score, sanctions and information from anti-fraud databases concerning you. | MRDP’s Digital Partners. Anti-fraud databases, sanctions lists, court judgements and other government agencies. | Our Digital Partners Internally within MRDP. Third party service providers. Anti-fraud databases. | Fraud, sanctions, credit and anti-money laundering checks. | Processing is necessary for the performance of a contract. Compliance with a legal obligation. |
We do not collect any special categories of personal data.
Dealing with other people
We will deal with anyone whose information we collect. It is not our policy to deal with your spouse, partner or parent without your written consent. If you would like someone else to deal with your personal data on your behalf on a regular basis please let us know by contacting us using the details above.
Who your data is shared with
The following are data controllers that we share your personal data with:
- Reinsurer.
- Insurer.
- Digital Partners – that sell insurance products on our behalf.
- Government Agencies.
- Regulatory bodies.
- Legal Advisers.
- Fraud Prevention Agencies.
The following are data processors that we disclose your personal data to:
- Third Parties providing services for Banking, Claims Handling, Credit Checking, Insurance Administration, IT Services and Data Enrichment Providers.
Please contact the Data Protection Officer (p0060006431@munichre.com) if you require further information on who your data is shared with.
We would like to bring to your attention our obligations to disclose information in the following four exceptional cases permitted by law, and the other situations as set out below. These are:
- Where we are legally compelled to do so;
- Where there is a duty to the public to disclose;
- Where disclosure is required to protect our interest; and
- Where disclosure is made at your request or with your consent.
Where we employ data processors to process your personal data on our behalf, the same duty of confidentiality and security we apply to your data, will apply to them and all processing will be carried out under our instruction.
If you make a complaint about the service we have provided, we may be obliged to forward details about your complaint, including your personal data to the relevant Ombudsman and the insurer.
Information Security
Your privacy is important to us and we follow strict security and organisational procedures in the processing, storage and destruction of your information. This is to prevent unauthorised access or loss of your information.
Transfer of Data
We will not transfer your personal data outside the UK or EEA where there is not an adequate level of data protection.
Your personal data may be disclosed to companies within our Group or to Service Providers outside the UK or EEA. We ensure that there is an adequate level of data protection in place and adhered to by these parties.
Data Retention
Your personal data will only be kept for as long as it is necessary for the purpose it was collected for.
We retain the data in relation to your policy for seven years after conclusion of the contract you hold with our Digital Partners.
Employers Liability data will be kept for 40 years.
Changes to this Privacy Notice
We reserve the right to amend or modify this Privacy Notice (which will be published on the https://www.munichre.com/privacy
website) at any time and in response to changes in applicable law.