Updated February 2025
This Privacy Policy is supplemental to our Website Terms, and which, by continuing to access the Website, you are deemed to accept and agree to be bound by.
This Website is provided by Charter Insurance Brokers Limited (the “Company”).
Charter Insurance Brokers Limited takes your privacy seriously and shall endeavour to protect it.
Please read this privacy policy (“Privacy Policy”) to understand how we will protect your personal data when you or any third party provides it to us through the Charter Insurance Brokers website at www.charterinsurancebrokers.co.uk (the “Website”).
By accessing our website or purchasing our products or services you agree to this Privacy Policy Statement in addition to any other agreements we might have with you. This Privacy Policy does not govern the practices of entities that our Company does not own or control, or entities that do not own or control our company or people that our Company does not employ or manage.
This Privacy Policy also outlines how we collect, retain and process your personal data (including where necessary sensitive personal data) and the security standards that we will apply to protect your personal data. We also explain how we recognise your legal rights, including your right to a copy of your personal data as set out in the Data Protection Act 2018. In this Privacy Policy the terms personal data and sensitive personal data shall have the same meanings as is given to them in the Data Protection Act 2018.
This Privacy Policy applies to you whether you use the Website as a casual browser, or have registered to use the Website or have entered into a contract with Charter Insurance Brokers Limited in relation to the supply of specific services and/or products.
In the event of any conflict between this Privacy Policy and the terms of a contract you have with Charter Insurance Brokers Limited, the relevant provision of that contract shall prevail to the extent of any inconsistency. We are committed to complying with all relevant data protection legislation including the Data Protection Act 2018 and the Privacy and Electronic Communications Regulations 2003.
Our Collection of Personal Information
We collect personal information from you under circumstances, including but not limited to the following:
- when we correspond with you as a customer or prospective customer.
- when you visit our website.
- when you take out an insurance policy via us; and
- when you contact us for help.
We may collect and process the following data about you (which may include personal data and/or sensitive personal data):
- Information you provide by filling in forms on the Website. We may also ask you for information when you report a problem with our Website.
- If you contact us, we may keep a record of that correspondence.
- Personal information, such as your name, contact information, policy information, financial details, IP addresses, product and service selections.
- We may also ask you to complete surveys that we use for research purposes, although you do not have to respond to them.
- Details of your visits to our site including but not limited to, traffic data, location data, weblogs and other communication data.
- Details of criminal convictions and health where this is relevant to the services provided.
Our website uses some essential cookies, please see our cookies policy for details.
We are a controller of personal information for the purpose of obtaining insurance quotations for you, when we set up your policy for you and when we make changes to your policy at your request. This may involve the collection of data about other people who are associated with you and your insurance policy, such as people insured on your policies, or your employees or representatives. By providing this information about other people for the purpose of arranging insurance for them under your policy, such as a named driver, employee or travel companion, etc., you confirm that you have their permission to do so and that you have shared this Privacy Policy Statement with them.
We collect information from publicly available sources and third-party databases for the purposes of reducing fraud and financial crime, provided such third parties have lawful bases on which to share such personal data with us.
Where you ask us to arrange a contract of insurance where this involves providing information to us relating to children, you confirm that you are the responsible guardian of the child.
We will retain any personal information only for as long as is necessary to fulfil the business purpose it was collected. We will also retain and use your personal information for as long as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Our Use of Your Personal Information
Information that you or a third party provide to us about you (which may include personal data and/or sensitive personal data) will be used only for the following purposes (and subject to any preferences you have notified us of):
- perform our contractual obligations to you and deliver products and services you have requested.
- manage our relationship with you as our customer and provide you with support.
- conduct research and analysis about your use of, or interest in, our products or services.
- communicate with you by e-mail, postal mail, telephone and/or mobile devices about products or services that you may hold with us or may be of interest to you either from us or other third parties.
- verify your eligibility for credit facilities.
- transfer personal information to third parties for any legally permissible purpose in our sole discretion.
- enforce our terms and conditions.
Our Disclosure of Your Personal Information to Third Parties
We may share your personal information with third parties in the ways described in this Privacy Statement:
- for the purposes of arranging and administering your insurance policy on your/our behalf, we may provide your information to insurers, intermediaries and third-party service providers, who may contact you by mail, telephone, email or other electronic messaging service with offers of products, services and information. By providing us with your contact details you consent to being contacted by these methods and to our using your personal information for these purposes.
- we may provide your information to our service providers who perform functions on our behalf such as IT services, finance providers, claims handling and other support services. Usually, our service providers sign a standard service and / or confidentiality agreement in such cases.
- we may share your data with any parent company, subsidiaries, joint ventures, other entities under a common control or third party acquirers. we would direct these other entities to honour this Privacy Statement.
- we may allow a potential acquirer or merger partner to review our databases, although we would restrict their use and disclosure of this data during the diligence phase and direct them to treat the data confidentially.
- we may retain and disclose your personal data in order to comply with any statutory, legal or regulatory obligations, as required by law enforcement, regulatory bodies, government officials, or other third parties pursuant to a court order, or other legal process or requirement applicable to our Company; or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our agreements or Company policies. We are required to report details of any suspicious transactions to the Serious Organisations Crime Agency and may need to forward information including personal data to them or related organisations. Similarly, we may also need to disclose information about our customers, including personal data, to certain bodies who have statutory powers, for example, the Department of Work and Pensions.
- we may share your personal data with carefully selected companies for marketing purposes. We or they may contact you by mail, telephone, email or other electronic messaging service with offers of products, services and information which may be of interest to you. By providing us with your contact details you consent to being contacted by these methods for these purposes. Please contact us if you do not wish to receive marketing information from us or carefully selected companies.
- we intend to continue improving the content and function of our Website. For this reason, we may monitor customer traffic patterns and site usage to help us improve the design and layout of our site and provide content of interest to you.
- other third parties with your consent or direction to do so.
We do not sell personal information to third parties.
Information collected from you may, on occasion, be stored and processed outside the UK in any other country in which our Company or agents maintain facilities, and by accessing our sites and using our services, you consent to any such transfer of information outside of your country.
Please note that third parties may be in other countries outside of the UK and the European Union where the laws on processing personal information may differ. We will only do so where we are satisfied that sufficient levels of protection are in place as required by applicable data protection laws.
We shall keep your information for a reasonable period of time for the above purposes. We may need to share your information with companies who work under contract to us for these purposes. This may include companies who are located in countries outside of the European Economic Area that do not always have the same standard of data protection laws as the United Kingdom. We will ensure that a written agreement is in place between Charter Insurance Brokers and every such company containing obligations as to data protection that are no less onerous than those set out in this Privacy Policy and the Data Protection Act 2018 in order to ensure that your personal data is adequately protected.
Our Security Measures to Protect your Personal Information
Our Website has security installed to ensure that any personal data entered onto the site is protected against loss, misuse or alteration. We take appropriate steps to maintain the security of your data; however you should understand that the open nature of the Internet is such that data may flow over networks without security measures and may be accessed and used by people other than those for whom the data is intended. Whilst we use all reasonable endeavours to protect your security, we consider that it is only appropriate to advise users that data transmission over the Internet and the World Wide Web cannot be guaranteed as 100% secure, and therefore that you use the Website at your own risk. We also have a confidentiality policy in place, which means we hold your information securely. The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area. Where this is the case and the transfer and storage of such data is dealt with by a company under contract to us for these purposes we will ensure that a written agreement is in place between Charter Insurance Brokers Limited and such company containing obligations as to data protection that are no less onerous than those set out in this Privacy Policy and the Data Protection Act 2018 in order to ensure that your personal data is adequately protected.
Our internal systems have security measures in place to help protect information under our control from the risk of accidental or unlawful destruction or accidental loss, alteration or unauthorised disclosure or access.
Keeping Your Personal Data Accurate
We will endeavour to keep your information accurate and whenever you inform us about any changes we will update this information at the earliest opportunity. Please help us to do this by letting us know whenever there are changes to your personal data. If you supply information about other people If you are providing information about someone else you confirm that they have appointed you to act for them, to consent to the processing of their personal data including sensitive personal data and that you have informed them of our identity and the purposes (as set out in this Privacy Policy) for which their personal data will be processed.
Your Legal Rights
We are committed to delivering the rights that the Data Protection Act 2018 provides to individuals. Amongst these is the right to access personal data (Data Subject Access Request) that we hold about you.
Under data protection law, the following options are available to you dependant on our reason for processing your information. You can make a request for us to:
- Provide copies of your personal information
- Rectify personal information you think is inaccurate
- Restrict or erase your personal information (in certain circumstances), and you can object to the processing of information where the process forms part of our public tasks or is in our legitimate interests, such as automated decision making or profiling
- Transfer the information you gave us to another organisation, or to you, in an accessible and machine-readable format
If you decide to exercise these rights we will send you an application form so that you can assist us to locate all of the information that we hold. When we have received the completed form we will provide the information that meets the criteria specified in the Data Protection Act within 40 days. You are not required to pay any charge for exercising your rights.
Telephone Calls
We may monitor or record telephone conversations to enhance your security and ours, to enable us to handle complaints efficiently, improve our customer service and for staff training purposes.
Other Information
You should note that if our business (or any part of it) is sold or transferred at any time, the information we hold may form part of the assets transferred although will still only be used in accordance with this policy.
In some cases, where you make a request concerning your personal information we may not be required or able to carry out your request as this may result in us not being able to fulfil our legal and regulatory obligations under the lawful processing conditions in which we hold your data or because there is a minimum statutory period of time for which we have to keep your information. In such cases, we will inform you of our reasons.
Changes to our Privacy Statement
We reserve the right, at our discretion, to amend this Privacy Policy Statement at any time. It was last updated in February 2025. Please read this carefully and visit the Policy from time to time to review any changes that may have been made.
Contacting Us
If you have any questions about this Privacy Statement, our practices or have any concerns, please contact our Privacy Officer at:
Company name: Charter Insurance Brokers Limited
Address: 3 Ferry Road Office Park, Ferry Road, Preston, Lancashire, PR2 2YH
Email: [email protected]
Telephone: 01772 808800