We collect and use relevant information about you to provide you with your insurance cover or the insurance cover that benefits you and to meet our legal obligations. To arrange insurance cover and handle any insurance claims, Lonham and other participants in the insurance industry are required to use and share Personal Data. This information includes details such as your name, address and contact details and any other information that we collect about you in connection with the insurance cover from which you benefit. This information may include more sensitive details such as information about your health and any criminal convictions you may have. Personal data may be collected directly from the insured or from another insurance market participant.
During the insurance lifecycle, Lonham may receive Personal Data relating to potential or actual policyholders, beneficiaries under a policy, their family members, claimants and other parties involved in a claim. Therefore references to “individuals” in this notice include any living person from the preceding list, whose Personal Data Lonham receives in connection with the services it provides under its engagements with its clients. This notice sets out Lonham’s uses of this personal data and the disclosures it makes to other insurance market participants and other third parties.
For an overview of how and why the insurance industry is required to use and share Personal Data please see the Insurance Market Core Uses Information Notice hosted on the website of a UK insurance industry association, the London Market Group (the LMA Notice). Lonham’s use of Personal Data is consistent with the LMA Notice.
How will we use the information about you?
Lonham respects your privacy and will not sell, rent or loan any personal information collected and will only use your Personal Information in ways to which you have consented. Any information that you give Lonham will be treated with the utmost care and security and will remain completely confidential. In order to process various requests by you, your Personal Information may be passed to a relevant third party and, where we are lawfully requested to do so, regulatory authorities. Such third parties will have access to the Personal Information needed to perform the relevant service. They may not, however, use your Personal Information for any other purposes and are required to process your Personal Information in accordance with the EU’s General Data Protection Regulations.
We will not disclose your Personal Information to third parties, except as outlined above, or in the unlikely event that we are required to do so by court order or other legal requirement. Please note that we may transfer your Personal Information to persons outside the EEA, but we will only do so in accordance with applicable data protection legislation.
Access to your information and correction
You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please email or write to us at the address provided below.
We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove information you think is inaccurate.
Under certain conditions, individuals have the right to request Lonham to:
1. provide further details on how we use and process their Personal Data;
2. provide a copy of the Personal Data we maintain about the individual;
3. update any inaccuracies in the Personal Data we hold;
4. delete Personal Data that we no longer have a legal ground to process; and
5. restrict how we process the Personal Data while we consider the individual’s enquiry.
In addition, under certain conditions, individuals have the right to:
1. where processing is based on consent, withdraw the consent;
2. object to any processing of Personal Data that Lonham justifies on the “legitimate interests” legal grounds, unless our reasons for undertaking that processing outweigh any prejudice to the individual’s privacy rights; and
3. object to direct marketing (including any profiling for such purposes) at any time.
These rights are subject to certain exemptions to safeguard the public interest (e.g., the prevention or detection of crime) and our interests (e.g., the maintenance of legal privilege). We will respond to most requests within 30 days.
If we are unable to resolve an enquiry or a complaint, individuals have the right to contact the UK data protection regulator, the Information Commissioner’s Office.
Lonham will only keep your personal data for as long as is necessary and for the purpose for which it was originally collected. In particular, for so long as there is any possibility that either you or we may wish to bring a legal claim under this insurance, or where we are required to keep your personal data due to legal or regulatory reasons