OBF

OBF INSURANCE GROUP LTD. WEBSITE PRIVACY POLICY

1. General information

We at OBF Insurance Group Ltd. (“we”, “us”, “OBF”, “the Company”), respect the privacy of our customers, business partners and other visitors to our website who may choose to provide Personal Information (as defined below) and are committed to respecting their privacy. We recognise the need for appropriate protections and management of Personal Information that you provide to us. This Website Privacy Policy describes the types of information we may collect on our site, how that information may be used, and with whom the information may be shared. It forms part of our overall Data Protection Policy.

 

2. Data Controller

OBF Insurance Group Ltd. acts as the Data Controller in respect of personal data held or processed by us.

To contact the Data Controller please email: dataprotection@obf.ie

 

3. What information do we collect?

When you request a quote or complete a form on our site, we may collect individually identifiable information, namely information that identifies an individual or may with reasonable effort identify an individual (“personal information”), such as your name, address, telephone number, email address, IP address, property or occupation detail, claims history, financial information and contact preferences. Personal Information collected online may be supplemented with information you provide to us through other methods such as a manual application form, property photographs etc.

You may visit our site anonymously, i.e. without providing any personal information. However, if you do not provide the personal information requested in order to perform certain activities on the site, you may not be able to proceed with the activity or receive the benefit for which the personal information is being requested.

 

4. How do we use the information we collect?

Any information we collect from you may be used in any of the following ways:

1. To verify your (or your representative’s) identity
2. To verify the accuracy of the information we receive
3. To assess your insurance needs and the nature and level of the risk associated with your proposed insurance policy
4. To make or receive payments
5. To manage and administer your policy
6. To manage and investigate claims
7. For statistical analysis and the review or improvement of our products, services and procedures
8. To carry out market research
9. For marketing purposes
10. For staff training, performance reviews and disciplinary action
11. For the detection and prevention of fraud, money laundering and other offences and to assist the Gardai
12. To manage and investigate any complaint
13. To store and make back-ups of data
14. To comply with all relevant laws and regulatory requirements

 

We strive to keep your Personal Information accurate. We have implemented technology, management processes and policies to maintain data integrity. We will provide you with access to your information on request and give you the opportunity to correct or update your information. To protect your privacy and security, we will take steps to verify your identity before granting access or making changes to your data. Requests to delete personal information are subject to any applicable legal or regulatory reporting or document-retention obligations. To access and/or correct information, you should contact us via your preferred method from the contact details set out below.

 

5. Automated Decision-making

We use automated decision-making on our website 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.

 

6. With whom do we share the information we collect?

Your Personal Information will not be sold, exchanged, transferred or given without your consent to any organisation other than our trusted third party service providers for the express purpose of delivering the purchased product or service requested, unless as otherwise explicitly set forth herein.

We store all personal data which we collect on secure servers operated by our cloud computing providers. Some of the servers are located outside of the EEA, namely in Canada, and personal data provided to us may consequently be held on those servers. Canada is one of 11 non-EEA countries certified by the European Commission as having the necessary levels of data protection in place.

We use third parties, who employ tools such as cookies and trackers, to compile aggregate data about site traffic and site interaction, to assist us in better understanding our site visitors and so that we can offer better site experiences and tools in the future. These service providers to not collect personal information. These service providers are not permitted to use the information collected on our behalf except for the purpose of providing the services to us. Some of the servers of these third parties may be located outside of the European Union.

In most cases, we will not receive the information these third parties collect but only receive the analysis or results that we requested, and the sole holders of the collected information are the third parties. Below you can find the links to the privacy policies of the third parties we currently use on our site. This list is reviewed and updated periodically.

https://policies.google.com/technologies/ads

http://www.google.com/analytics/learn/privacy.html

https://www.monotype.com/legal/privacy-policy/

 

We may release your information when we believe release is appropriate to comply with the law, enforce our site policies or protect ours or others’ rights, property or safety. On occasion, non-personally identifiable visitor information may be provided to other parties for marketing, advertising or other uses.

How long do we retain the information we collect?

We will retain data collected on our website in accordance with our Retention of Data schedule:

 

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.

 

7. How do we safeguard and transfer your information?

We are committed to use our reasonable efforts, in accordance with market best practices, to ensure the security, confidentiality and integrity of the personal information you choose to provide to us. Access to the personal information is based on the ‘least to know’ concept together with role based access control systems, ensuring only authorised access to the Personal Information. To protect the privacy of any personal information you may have provided, we are using data hosts who implement market best practice security measures. Although we take steps to safeguard such information, we cannot be responsible for the acts of those who gain unauthorised access, and we make no warranty, express, implied or otherwise, that we will prevent such access. If a password is used to help protect your accounts and personal information, it is your responsibility to keep your password confidential.

 

8. What are your rights?

You may contact us at dataprotection@obf.ie at any time and request:

• To access, delete, change or update any personal data relating to you (for example, if you believe that your personal information is incorrect, you may ask to have it corrected);
• That we will cease any further use of your personal information (for example, you may ask that we stop using or sharing your personal information with third parties).
• That we restrict processing of your data.

You also retain the right to data portability.

You should bear in mind that if you ask us to restrict or stop the processing of your personal information, this may affect our ability to provide you with our services and possibly mean the cancellation or lapsing of your insurance cover.

Updates or amendments to the Privacy Policy

We may revise this Website Privacy Policy from time to time, at our sole discretion, and the most current version will always be posted on the website. We encourage you to review this Privacy Policy regularly for any changes.

 

9. Contacting Us

If there are any questions regarding this Website Privacy Policy or the information that we collect about you, or if you feel that your privacy was not treated in accordance with this policy, you may contact us at dataprotection@obf.ie.

Alternatively, you can phone us on 01-6601033 or write to us at :

Data Protection, OBF Insurance Group Ltd., Bridge House, Baggot Street Bridge, Dublin 4 D04 X2P1.

Additional contacts:

If you are unsatisfied with our response, you can contact the Office of the Data Protection Commissioner whose contact details are:

E-mail: info@dataprotection.ie;

Postal Address: Canal House, Station Road, Portarlington, Co. Laois, R32 AP23.

Telephone: +353 (0761) 104 800