PRIVACY POLICY

INTRODUCTION

Please read this privacy policy carefully as it contains important information relating to the personal information that we retain and/or process about you, which could identify you (“personal information”), and is either obtained from your insurance provider or you directly. We take the protection of your privacy and confidentiality seriously. We understand that all customers are entitled to know that their personal data will not be used for any unintended purpose. We undertake to preserve the confidentiality of all information you provide and have put safeguards in place to prevent information accidentally falling into the hands of a third party.

This document sets out the conditions under which we may process any information that we collect from you, or that you provide to us. In the context of the law and this document, “process” is defined as collecting, storing, transferring, using or otherwise acting on information.

Our policy complies with the U.K.’s Data Protection law, including the EU General Data Protection Regulation (GDPR). It also aims to comply with the law of the countries or legal jurisdictions in which we do or aim to do business. The law requires us to tell you about your rights and our obligations to you regarding the processing and control of your personal data. These topics are covered below and we also advise that you read the information provided at www.knowyourprivacyrights.org.

By using our services and in providing your personal data you are consenting to the conditions of this privacy policy.

HOW WE USE YOUR INFORMATION

Some or all of the information you supply to us in connection with your insurance claim will be held in house and may be passed to other parties for claims purposes. You have a right of access to see personal information about you that is held in our records. If you have any queries, please write to Vector Claims’ GDPR representative.

Except as set out below, we do not share, sell, or disclose to a third party, any information collected through our website or by our staff.

The basis for collecting certain information, some of which may contain personal details, is to enable Vector Claims to effectively conduct work as defined by our business, and any information processed is done on the basis that we have a contractual obligation with you and will use the information only within defined business parameters.

When we have a pre-existing business relationship, or when we are nominated as your surveyor, or you otherwise agree to our terms and conditions, a contract is formed. To carry out our obligations under that contract we must process the information you give us, and do so on the basis that there is a contract between us, or that you have requested we use the information to effectively conduct business relating to insurance claim handling. We may use your information to:

Verify your identity for security purposes

Verify your banking details

Provide you with our services, which may include providing you with suggestions or advice on claims

We shall immediately stop processing your data when the contract between us ends or is terminated by either party under the terms of the contract. Under usual circumstances our contract is ended upon the completion of your claim. Should there be a legitimate reason for us to change the way we use or process your information, we are required by law to inform you. If you do not object, you consent to that change.

CONSENT

Consent is either implied or explicitly given.

Implied consent is given when you contact us by e-mail, to which you would reasonably expect us to reply.

You give explicit consent when we directly obtain your consent to process your information. Your explicit consent is also obtained during standard business practices that enable us to effectively assist in the processing of your insurance claim, should we require pertinent information that was not passed to us by your insurance provider.

Implicit consent is given when your information is passed to us by your insurance provider, who has nominated us to assist in handling your insurance claim.

To maintain good business practice, we will not contact you without prior notification from your insurance provider.

We do not conduct “cold calling” to obtain your business or request your personal information.

HOW YOUR INFORMATION WILL BE USED AND WHO WE SHARE IT WITH

If you have given us explicit permission to do so, we may from time to time pass your (claim related) information to selected third parties, such as claims surveyors, solicitors or repair experts, who may provide services that will expedite the resolution of your claim. Prior to disclosing your information we will obtain your permission. The only exception will be where we are required or permitted to do so by law.

We may transfer your information to companies in other countries, however this will only be done if it relates specifically and directly to your claim, and you will be informed accordingly. Information sharing is done on the basis that recipients provide an adequate level of protection. In such cases we will ensure it is kept securely and used only for the purpose for which you provided it.

Although we do not disclose your information to any third party except as set out in this document, we receive data containing your information from third parties (your insurance provider) to process your claim at their request.

We will not freely hand over or sell your personal information to third parties such as marketing companies for financial gain.

Vector Claims operates a strict privacy policy in order to maintain the security and privacy of your personal information.
Personal information you have provided in order that we can process a claim on your behalf will ONLY be utilised in relation to your insurance claim and for no other purpose.

To facilitate an effective and appropriate investigation into your claim it may be necessary to share your personal data with selected third party service providers. Where required, this may include: your removal/storage company, the insurer, restoration/repair companies, insurance broker, solicitor, banks (only for the purposes of settling claims), “regulatory” authorities (Financial Ombudsman Service, Sanctions authorities etc.) or any other entity with whom we are legally obliged to share data.

Any third party service provider with whom we share your details will not be permitted to use that data for any reason other than as instructed by Vector Claims to further the consideration of your claim and will not be permitted to share your data with any third parties without your/our consent.