OBF INSURANCE GROUP LTD. DATA PRIVACY NOTICE
This document provides details of how we will use and protect the personal data we receive and hold.
References to “OBF”, “we”, “our” and “us” mean OBF Insurance Group Ltd. and any associated companies from time to time.
It is important that you read this document and show it to anyone else who is insured under your policy of insurance, including any named drivers and anyone living at the property insured under your policy, as it also applies to them.
Please make sure that anyone else who is insured under your policy has provided you with consent to provide their personal data to us.
We reserve the right to amend this Data Privacy Notice from time to time at our sole discretion. We encourage you to periodically review the most up-to-date version on our website, www.obf.ie or by requesting a copy from us.
Queries and Complaints
If you are unhappy with the way we have handled your personal data or if you want further information about the way your personal data will be used, please contact us by any of the following methods:
Alternatively, you have the right to lodge a complaint with the Data Protection Commissioner, whose contact details are:
In order to gather personal data about you (and, if applicable, other people insured under your policy of insurance), we may obtain personal data from various parties including you, your representatives (if applicable), other insurance companies, third parties involved in an accident which may result in a claim including but not limited to claimants, witnesses, solicitors and claims specialist service providers and from searches (on line or off line) including searches of industry databases such as InsuranceLink – for details of InsuranceLink, please visit their website www.inslink.ie.
Please do not send us the results of any genetic tests carried out on you or any other person.
We mainly use your personal information so that we can provide a quote for insurance, set up, administer and manage your policy(ies). However, more specifically, we may use the personal data we gather for any of the following purposes:
The legal bases we rely on for using your personal data for the above purposes are as follows:
Effect of not providing information
If you choose not to provide us with information which we need, we may not be able to offer you a quote or a policy or we may not be able to process and administer an existing policy. This could impact on the cover provided by the policy and could mean that the cover is no longer in place.
In the course of providing our services to you, we may share your personal data with various third parties including:
On occasion, we or a service provider may transmit certain aspects of your personal data outside the European Economic Area.
We comply with the law regarding international transfers of data by relying on the European Commission’s standard data protection regulations or the decisions of the European Commission regarding the provision by certain countries, for example Switzerland, of adequate levels of data protection by their laws.
As brokers and underwriters, we need to collect many types of personal data about you and other parties. The following category headings and types of data are a non-exhaustive list of the data we collect, process and store. All of the following types of data are required for the purposes set out in Section 3 “Use of Information”.
Types of Data Collected
|Category||Type of Data Collected|
|Policy Information||Name , Date of birth, Gender ,Marital status, Home address ,Business address ,Country of birth ,Country of residence, Phone number(s), Email address, PPS number, Income details, Financial information, Health information and history (including smoking and drinking habits), Doctor’s name and address ,Occupation, Travel history and plans, Family health history, Number of dependants, Ages of dependants ,Vehicle and property details, Driving licence details, Passport details, Bank account details, Driving and claims history, Penalty points held, Convictions, Insured Property Security Details, Qualifications, Insured Property Address, Credit/Debit Card details (they are recorded on phone),Claims Information, Association Membership details, Personal Belongings details, CV, Sub –consultant or sub-contractor’s name, Sub –consultant or sub-contractor’s address, Business contracts , Bankruptcy and/or liquidation details ,Business partners and associates , Employees’ names, etc.|
|Information obtained from sources other than you||Penalty points, Address look up, Geocoding information, Vehicle details and history, Credit ratings, Sanction Searches, Company Registration Office information etc.|
We do not collect all types of data in every case.
Generally, we retain personal data for the following periods:
|Type of Information||Retention Period|
|Quote Information (where a policy is not taken out and you have no other relationship with OBF)||12 months|
|Quote Information (where a policy is not taken out and you have a relationship with OBF)||For the duration of the existence of the live policy and 6 years after|
|Quote information (where you already have policies with us)||For the duration of the existence of the live policy and 6 years after.|
|Claims Information||The life of the policy, plus 6 years|
|Live Policy/Policies||We retain personal data for the duration of our business relationship with you and for six years after it ends.|
We use automated decision-making on our website, www.obf.ie, in order to produce indicative quotes for certain lines of business. No underwriting or acceptance decisions are made purely on the basis of automated decision-making.
As a “data subject”, you have the rights set out in this section.
If we refuse your request, you are entitled to make a complaint to the Data Protection Commissioner (contact details are in Section 1 “General”).
Version 1 (May 2018)