Devon Direct Insurance Services: Terms & Conditions

Privacy policy

Devon Direct Insurance Services Ltd understand how important your privacy is and we take its security seriously. This Privacy

Policy should be read in conjunction with our Terms & Conditions.

Please note that your use of our services will indicate your acceptance of this Privacy Policy and as having granted us the

permissions set out below.

Data protection

1. Our Goal

This policy has been developed because we want you to feel confident about the privacy and security of the personal data you

impart to us. We follow strict security procedures in the storage and disclosure of your information as required by law. Our security

procedures mean that we may ask for proof of your identity before we will disclose personal data about you, or to you, be this on

our website, via email, or over the telephone.

2. Data Controller

The data controller is Devon Direct Insurance services Ltd registered in England (Company number 5037934) and our registered

address is 30 Southdown Ave, Brixham, Devon, TQ5 0AN.

3. Your right to know

We comply with and are registered under the data protection laws in the United Kingdom and take all reasonable care to prevent

any unauthorised access to your personal data. Under the terms of the Data Protection Act 2018 you have a number of rights. If you

require a copy of the personal data we have concerning you, please write to the Data Protection Officer, at the registered

address above enclosing a cheque for the administration fee of £10.00 made payable to Devon Direct Insurance Services Ltd.

We are entitled to charge you this fee to cover our administrative costs.

4. Sensitive Personal Data

We may, where it is necessary to provide you with our services, collect data from you which is considered as sensitive personal

data under the Data Protection Act 2018, and pass that data to our insurance partners so that they can provide a quotation to you.

Sensitive personal data may take the form of criminal convictions or your medical history. By communicating this data to us you

consent that you are happy for us to do this. If you are not happy, you may stop using our services at any time.

5. Retention periods

We keep your personal information for up to six (6) years following the date on which you provide your personal information to us.

We keep your personal information during this time in order to:

• respond fully to any questions or complaints raised by you;

• evidence that we have treated you fairly; and

• establish, exercise or defend legal claims in accordance with statutory limitation periods.

How we use your data to obtain a quote

In order to provide our services to you we need to collect and process personal data about you and disclose that personal data to a

number of third party service providers and insurance partners. This personal data is necessary to provide you with the quotations

and services that you have requested. All personal data will be held in strictest confidence and used only for the purposes for

providing the service you have requested, subject to certain exceptions as described below.

Renewal quotes

Our systems may re-submit your quote details when we believe your renewal is due. That personal data will be sent to our

insurance partners to calculate and return their quotes and, as part of this process, some partners may carry out soft credit checks.

For more information about this, please see the section entitled Credit Searches below.

How else do we use your personal data?

1. Research

We, or our nominated sub-contractors, may use your personal data to carry out market research and statistical analysis, on a

personalised or aggregated basis. This market research and statistical analysis may assist us (or our nominated sub-contractors)

in improving our services offered to you or other individuals in the future.

2. Prevention of Fraud

We may carry out analysis and research using your personal data in order to prevent or detect fraud. Where we feel it is

appropriate to do so, we may share your personal data with the Insurance Fraud Bureau (IFB) and, if necessary, the police. Those

bodies may utilise that data to investigate or combat fraud.

We contribute personal information regarding fraud, fraudulent behaviour and misuse to a number of databases and registers that

have been set up to detect or prevent fraud. We will also provide personal data to our insurance partners, business partners and

other third parties such as the police, law enforcement or fraud prevention agencies where we believe it is reasonably necessary

for the detection or prevention of fraud. We may also provide personal data to other third parties if the terms of a court order require

us to do so. All data to be shared for these purposes will take place in accordance with data protection laws in the United Kingdom.

3. Sales Information

We may utilise some of your personal data for the purpose of validating the sales data provided by our insurance partners and

some third parties.

4. Transferring your data outside of the European Economic Area ("EEA")

Some processing of your personal data may be undertaken by nominated sub-contractors outside of the EEA. In these

circumstances the processing will be undertaken in accordance with the provisions of the Data Protection Act 2018. Your use of

our services will be considered to be an indication of your consent to this transfer.

Please note that some of our insurance partners may carry out some of their administrative services from outside of the EEA.

Where this is the case it will be set out in their terms and conditions and privacy policy.

What communications will you receive from us?

1. Service Emails

After completing an application online via one of our websites, you will receive an initial email from us. This email will confirm you

have used our website and that you have asked us to contact you.

2. Marketing

With your permission, or our nominated sub-contractors, may use your information to keep you informed by post, telephone, SMS,

email and/or other electronic means such as via social and digital media about current and new products, services, offers and

promotions which may be of interest to you. With your permission, we or a carefully selected third party may also use the personal

data you supply to perform market research, contact you to ask for your feedback or to remind you when your renewal date is due.

Your personal data may also be disclosed and used for these purposes after your policy has lapsed.

We utilise a third party software and storage solution to analyse the personal data that you have provided to us in order to ensure

that the marketing that you receive is as relevant and beneficial to you as possible. We retain full ownership of your personal data

and ensure that it is secure at all times.

If you are not happy for your personal data to be used in this way, you can unsubscribe to remove your details from our contact

list. If you have further queries with regards to your personal data, please feel free to contact us.

Email: sales@devondirect.net

In writing: Devon Direct Insurance Services Ltd

61, Palace Ave, Paignton

Devon, TQ3 3EN

United Kingdom

Telephone: 01803 698 456

How do our insurance partners use your personal data?

Our insurance partners will use your personal data to assess and rate your cover prior to issuing a quotation to you or when you

purchase a policy from them. Some of our insurance partners may search external sources (e.g. the edited electoral roll, county

court judgments, bankruptcy registers) to assess your application for accuracy. Searches of this kind may be recorded by credit

agencies but they won't affect your credit rating. If you purchase a policy please note that these searches may take place again

when your policy is due for renewal.

Our partners may use the personal data you provide to obtain a quote for their own internal purposes such as fraud prevention or

for internal analysis (such as monitoring customer demographics, market trends or pricing analysis). Some of our insurance

partners may also use personal data they hold about you (or which is held by other members of their group or in some instances the

company whose brand is administered by them) from loyalty schemes and other account

PLEASE NOTE that some insurance companies exchange personal data through various databases, including the Claims and

Underwriting Exchange (CUE) which holds a record of incidents reported to insurers, which may or may not have given rise to a

claim. This exchange of personal data enables insurance companies to verify the personal data that is provided during the quote

process (including personal data about any third party who is named on the policy), and also helps to prevent fraudulent claims.

Please also refer to the section on insurance provider Credit Searches below.

Some insurance providers may pass this personal data to their insurance underwriters.

Do we pass personal data to third parties

Except as set out in this Privacy Policy, we will not disclose any of your personal data to other parties without your permission

unless we are legally required to do so by, for example, a court order, for the purposes of prevention of fraud or other crime, or by a

regulator. Also see the section on Confidentiality below.

Driving licence number

If you provide your driving licence number this may be passed to the DVLA in order for a search to be carried out to confirm your

(or any named driver's) licence status, entitlement and relevant restriction information and endorsement/conviction data. Searches

may be carried out as part of your quote and at any point throughout the duration of your insurance policy. A search with the DVLA

will not show on your (or the named driver's) driving licence record. For details relating to personal data held about you by the

DVLA, please visit www.dvla.gov.uk. Undertaking searches using your driving licence number helps insurers check personal data

to prevent fraud and reduce incidences of negligent misrepresentation and non-disclosure.

Monitoring

Monitoring or recording of your calls, emails, text messages and other communications may take place in accordance with UK law,

and in particular for business purposes such as: for quality control and training; processing necessary for the entering into or the

performance of a contract; to prevent unauthorised use of our telecommunication systems and websites; to ensure effective

systems operation; to meet any legal obligation; in order to prevent or detect crime; and for the purposes of the legitimate interests

of the data controller.

Please visit the following websites for further information www.ico.org.uk and www.bis.guv.uk.

Credit searches

Many insurance providers operate a credit scoring system and will carry out checks with credit reference agencies, fraud

prevention agencies, and other public and privately available sources of information. These checks will include electoral roll and

credit information.

These insurance credit checks are registered as general insurance searches and may be viewed by other companies when you

apply for credit or insurance. These searches should not harm your credit profile or adversely affect your credit profile.

PLEASE REMEMBER that while we do not carry out credit searches, our partners may do so at any stage of the quote, renewal or

purchase process.

Confidentiality

1. We will endeavour to treat all your personal data as private and confidential. Other than under the terms of this Privacy Policy we

will not disclose any personal data about you. Please be aware however that under certain circumstances we may be subject to a

legal obligation to disclose personal data about you, or there may be a public duty to disclose that personal data.

2. If relevant, your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers' Bureau. The MID

may be accessed by the Police in order to establish who is insured to drive a vehicle. If you are involved in an accident (in the UK

or abroad) other UK insurance companies or the Motor Insurers' Bureau may search the database to ascertain relevant policy

information. Persons with a valid claim in respect of a road traffic accident (including citizens of other countries) may also obtain

certain information which is held on the MID. You can find out more at www.mib.org.uk.

3. Should you decide to complain about the service we have provided to you, we may be obliged to forward details about your

complaint, including your personal data, to the relevant ombudsman. You can be assured that they are similarly obliged to adhere to

data protection legislation and to keep your personal data strictly confidential.

Law

This Privacy Policy is subject to the laws of England and Wales and the exclusive jurisdiction of their Courts.

Security

Please be aware that communications over the Internet, such as emails/webmails, are not secure unless they have been encrypted.

Your communications may route through a number of countries before being delivered - this is the nature of the Internet. We cannot

accept responsibility for any unauthorised access or loss of personal information that is beyond our control.

Version Date : 19/04/2018

Devon Direct Insurance Services Ltd - Privacy Policy