FEC Mutual Limited Privacy Policy

Reference Number for ICO Certificate as: ZB362304

The FEC Mutual Limited - Privacy Notice

In accordance with the UK Data Protection Regulation and related UK data protection legislation, we are committed to protecting the confidentiality and security of the information that you provide to us.

This Privacy Notice is designed to help you understand how we collect and use your information.

Data captured or used by The FEC Mutual under this Privacy Policy may refer to the individual/company whose data is being processed by The FEC Mutual and may include the Member, beneficiary, claimant, witnesses, or any other person involved in a claim, relevant to the Cover provided, or to the Member themselves in the course of our business dealings.

You have told the individual who we are and how we use personal information, as set out in this Privacy Policy, and
You have permission from the individual to provide that personal information to us and for us to use it, as set out in this Privacy Notice.

If you have any questions or queries about this Policy, please contact us.

Who we are.

The FEC Mutual Limited (also referred to in this Notice as “we,” “us,” or “our”).

How to contact us:

For any questions or concerns relating to this Privacy Policy or our data protection practices, or to make a subject access or any other request regarding the information we hold, please contact us at:

7-9 Church Road
Lytham
FY8 5LH
T: 01253 739789
Email: tforshaw@towerinsurancebrokers.co.uk

Why do we need and how do we use your personal information?

We only collect, use, and store your information where we have lawful grounds and legitimate business reasons to do so.

We collect, use, and store your personal information to fulfil requests for quotes, products, and services as part of our dealings with you, claims handling and risk management business. It may also be used to verify your identity, to administer payments and to enable us to conduct anti-money laundering and other financial crime checks where required. If you pay in instalments, your information may also be used to arrange credit.

The use of your data is essential for us to check your identity, to enable you to enter our Mutual or an insurance contract and for the cover to operate (in the event of a claim, for example). We may also use it to keep our records up to date, notify you about changes to our service, and help us develop new products and services.

If you do not provide the information required, we are unlikely to be able to arrange your Protection and may not be able to provide certain services to you.

We may monitor calls, emails, text messages and other communications with you. When you contact Us, we may keep a record of that correspondence and any information provided to us during that or any subsequent communication.

Marketing

We would like to keep you updated about our relevant products and services by email, SMS and/or telephone. If we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes, we will only do so with your consent. Your consent will be obtained specifically at the appropriate time.

If you have already consented and wish us to stop using your information for this purpose or any other purpose, then please contact us.

Nature of personal information

Personal data is any information that may identify a living individual.

We collect personal information such as name, contact details, date of birth, gender, marital status, financial details, employment details and other personal details depending on the nature of the cover and other services we offer.

Sharing information

We will only supply your personal information to other parties where such a transfer is a necessary part of the activities that we undertake, where you give us consent or where we are required to do so by law or regulation (e.g. where the disclosure is necessary for the purposes of the prevention and/or detection of crime).

As a Mutual, we must disclose personal information to companies involved with the provision of our cover to you. Examples of other parties include other intermediaries, loss adjusters, regulatory bodies, and legal and accountancy firms involved in the claims handling process.

We may also share your personal information with fraud prevention agencies such as the Claims and Underwriting Exchange Register. We may pass information relating to your Cover and any incident to the operators of these registers, their agents, and suppliers,

We may also disclose your information to service providers engaged to perform services on our behalf. Such service providers are contractually restricted from using or disclosing the information we give them except as necessary to perform services on our behalf or to comply with legal requirements.

We only share your information if we are satisfied that our partners or suppliers have sufficient measures in place to protect your information in the same way that we do.

We may also disclose personal information to new owners of our business if we are subject to a merger or acquisition. Disclosure may also be made to enable company audits and regulatory inspections or to investigate a complaint, suspicion of fraud or security threat.

We never share your information outside our organisation for marketing purposes.

You understand that we may disclose the information you provide to relevant other parties for the purposes described in this Notice.

Transfer of personal data outside the UK

Certain personal information held on our Information Technology systems may be transferred across geographical borders in accordance with applicable law.

By providing us with your information, you consent to the collection, international transfer, storage, and processing of your information. European Union (EU) standard contractual clauses or equivalent data transfer agreements govern these transfers to protect the security and confidentiality of personal information.

How long will we keep information about you?

We will keep your information for as long as it is required to enable us to provide quotations, administer your cover, offer renewal, and respond to any claims or complaints. This will usually be a minimum period of seven years or otherwise, as determined by law or regulation. Once we decide that we no longer need your information, it will be securely and confidentially destroyed.

Your data protection rights.

You have certain legal rights under UK data protection law and regulations, summarised as follows:

The right to be informed about our data processing activities, including through Privacy Notices such as this.
The right to access the personal information we hold about you. To request a copy of this information, you must make a subject access request in writing to us.
The right of rectification. You may ask us to correct any inaccurate or incomplete data within one month.
The right to erasure and to restrict processing. You have the right to have your personal data erased and to prevent processing, except where we have a legal obligation to process your personal information. You should bear in mind that by exercising this right, you may hinder or prevent our ability to provide products and services.
The right to data portability. At your request, we will provide you with your personal data in a structured format.
The right to object. You have rights in relation to automated decision-making and profiling to reduce the risk that a potentially damaging decision is taken without human intervention. You can object to your personal data being used for profiling, direct marketing, or research purposes.

If you want to invoke any of these rights or withdraw your consent to us holding your data, please write to our managers at:

7-9 Church Road
Lytham
FY8 5LH
T: 01253 739789
Email: tforshaw@towerinsurancebrokers.co.uk

How to make a complaint

If you wish to make a complaint about how we hold or use your data, please contact our managers at:

7-9 Church Road
Lytham
FY8 5LH
T: 01253 739789
Email: tforshaw@towerinsurancebrokers.co.uk 

If you are dissatisfied with how we deal with your complaint, you may contact the Information Commissioner’s Office:

The Information Commissioner
Wycliffe House
Water Lane
Wilmslow
Cheshire,
SK9 5AF
Phone: 08456 30 60 60
Website: www.ico.gov.uk

Information from other sources

We may use legal public sources such as the electoral roll and other third-party sources such as credit reference agencies to obtain information about you, for example, to verify your identity or check your credit history.

We also obtain information about you from credit reference agencies and similar third parties. Some personal information may be provided to us by third parties such as insurance companies, other intermediaries, and licensing authorities. In some cases, you will have previously submitted your personal information to them and given them approval to pass this information on for certain purposes.

Such information will only be obtained from reputable sources that operate in accordance with the UK Data Protection Regulations.

We and/or other parties may use your information for purposes such as statistical and trend research and analysis, which may include computerised processes that profile you. Automatic profiling helps us understand, predict and forecast customer preferences, improve the products and services we offer, and assess which products might be most suitable for you.

We may amend this Privacy Policy from time to time, for example, to keep it up to date or to comply with legal requirements.