Got Points and gotpoints.co.uk are trading names of Policywise Limited, which has its registered office at 2 Saddlers Court, Oakham Office Park, Oakham, Rutland LE15 7GH.
At Got Points we are aware of the trust you place in us when you buy our products and it is our responsibility to protect your information.
This notice describes who we are, why we need to collect your information and how we will use it.
We will tell you who we share your information with and how we use it to improve the service we provide to our customers.
1 – Privacy
Why we need your information
We will use your information to give you quotations, and manage your insurance policy, including underwriting and claims handling.
Your information comprises of all the details we hold about you and your transactions and includes information we obtain about you from a third party.
We will only collect the information we need so that we can provide you with the service you expect from us.
From time to time we may need to change the way we use your information. Where we believe you may not reasonably expect such a change we will write to you. When we do so, you will have 60 days to object to the change but if we do not hear from you within that time you consent to that change.
Who we will share your information with
Got Points insurance policies are underwritten from a panel of insurers. When you give us your information, it will be shared within the Policywise-owned brands. We will do that in order to provide you with the nest possible products and service experience.
During the course of our dealings with you we may need to disclose some of your information to other insurers, third party underwriters, reinsurers, credit reference, fraud prevention and law prevention agencies and other companies that provide service to us or you, to:-
· assess financial and insurance risk
· recover debt
· prevent and detect crime
· develop our products, services, systems and relationships with you
· understand our customers’ requirements
· rating and pricing
We do not disclose your information to anyone outside the group except where:-
· we have your permission
· we are required or permitted to do so by law
· we may transfer rights and obligations under this agreement
Where we transfer your information
From time to time we may require services from suppliers that are based worldwide and your information will be shared with them for the purposes of providing that service. Where we engage these suppliers, we make sure that they apply the same levels of protection, security and confidentiality we apply. However, such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations.
Motor Insurance Database (MID)
Information relating to your policy will be added to the Motor Insurance Database (MID) managed by the Motor Insurers’ Bureau (MIB). The MID and the data stored on it may be used by certain statutory and/or authorized bodies including the Police, the DVLA, the DVANI, the Insurers Fraud Bureau and other bodies permitted by law for purposes not limited to but including:-
· Electronic Licensing (Tax Discs);
· Continuous Insurance Enforcement;
· Law enforcement (prevention, detection, apprehension and /or prosecution of offenders);
· The provision of government services and/or other services aimed at reducing this level and incidence of uninsured driving.
If you are involved in a road traffic accident (either in the UK, the EEA or certain other territories), insurers and/or the MIB may search the MID to obtain relevant information.
Persons (including his or her appointed representative) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.
It is vital that the MID holds your current registration number. It is our responsibility to update your policy to the MID. We fully comply with the agreements in place with the MIB to update your details within seven days; however it is important that you check your policy documents ensuring that the registration number is recorded correctly.
If it is incorrectly shown on the MID you are at risk of having your car seized by the Police. You can check that your correct registration number is shown on the MID at www.askMID.com
If the registration number is not shown correctly on your policy documents, or you cannot find your car on the MID, please contact us immediately.
Some of the personal information we ask you for may be sensitive personal information, as defined by the Data Protection Act 1998 (such information about health or criminal convictions). We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to provide the services described in your policy documents.
You will have been asked to agree to this when you first contacted us but please ensure that you only provide us with sensitive information about other people with their agreement.
Dealing with other people
It is our policy to deal with your spouse or partner who calls on your behalf, provided they are named on the policy. If you would like someone else to deal with your policy on your behalf on a regular basis please let us know. In some exceptional cases we may also deal with other people who call on your behalf, with your consent. If at any time you would prefer us to deal only with you, please let us know.
Credit Reference Agencies
Got Points carries out a consumer search when the application for insurance is submitted. This is done using public data to evaluate insurance risks and no financial information is reviewed as part of the process. There is no visible credit footprint and after 12 months is automatically deleted.
Keeping you informed
From time to time we may contact you with special offers or suggest products which may be of interest to you. If you would like not to receive any of these updates you can ask us to stop at any time. You can do that by simply calling our customer services department or by writing to Got Points, 2 Saddlers Court, Oakham Office Park, Oakham, Rutland LE15 7GH.
Subject Access Request
You have the right to see the information we hold about you. This is called Subject Access Request. If you would like a copy of your information, please write to Got Points, 2 Saddlers Court, Oakham Office Park, Oakham, Rutland LE15 7GH. A fee may be payable.
2 – Fraud Prevention and detection
Please take time to read the following as it contains important information relating to the details you have given or should give to us. You should show this notice to anyone whose data has been supplied to us in connection with your policy.
To prevent and detect fraud we may at any time:-
Share information with other organisations and public bodies including the Police although we only do so in compliance with the Data Protection Act 1998.
Check and/or file details with fraud prevention agencies and databases and if we are given false or inaccurate information and we identify fraud, we will record this. We and other organisations may also use and search these agencies and databases from the UK and other countries to:-
· help make decisions about the provision and administration of insurance, credit and related services for you and members of your household:
· trace debtors or beneficiaries, recover debt, prevent fraud, and to manage your accounts or insurance policies; or
· check your identity to prevent money laundering, unless you provide us with other satisfactory proof of identity.
Law enforcement agencies may access and use this information.
We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:-
· Checking applications for, and managing credit and other facilities and recovering debt.
· Checking insurance proposals and claims.
· Checking details of job applicants and employees.
We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.
We can provide the names and addresses of the agencies we use if you would like a copy of your information held by them. Please contact us at Got Points, 2 Saddlers Court, Oakham Office Park, Oakham, Rutland LE15 7GH quoting your reference. The agencies may charge a fee.
A cookie is a small data file that can be transferred by a web server onto your computer’s hard drive when you visit a website. The information stored in a cookie can be read by the web server and is used to allow a website to recognise your computer when you revisit a website or browse from page to page of a website. Only the web server that sent the cookie can read and therefore use that particular cookie.
Cookies can help a website arrange content to match users preferred interests more effectively and/or avoid the need for users to re-enter data when they revisit a website. Cookies are commonly used on the internet and do not harm your computer or computer files.
· compile statistical data on the use of the Website which can be used to manage and plan enhancements to our services,
· facilitate users ability to navigate the Website,
· ascertain whether the Website is operating at an optimal level,
· personalise and improve the service we offer to you by understanding your preferences and establishing which areas of the
Website are of most relevance to you.
We also use cookie technology to ensure that, where you have registered for any of our online services, we maintain your confidentiality and security as you move through secure or password protected areas of the Website.
What is the nature of the cookie-derived information we collect?
When you visit the Website, our server will record your IP address, the date, time and duration of your visit and which areas of the Website you visit. Your IP address is an assigned number allocated to your browser when you log on to the internet which acts as the ‘address’ of your computer whilst you are online and enables web servers to locate and deliver content to you. It is usually allocated on a temporary basis, i.e. for the duration of your session online.
Cookie-derived information is anonymous and represents a computer rather than a person. You cannot be personally identified from it and we use it solely on an anonymous, aggregated basis.
Use of web beacons
Some of our web pages may contain electronic images known as web beacons (sometimes known as clear gif’s) that allow us to count users who have visited these pages. Web beacons collect only limited information, which includes a cookie number, time and date of the page viewed and a description of the page on which the web beacon resides. We may also carry web beacons placed by third party advertisers. These beacons so not carry any personally identifiable information and are only used to track effectiveness of a particular campaign.
Can I decline to accept cookies?
You are not obliged to accept a cookie that we (or any other web server) send to you. Most browsers accept cookies automatically but you can modify the settings in your browser to turn off this feature. However, cookies are integral to some areas of the website and to certain parts of our online services, so if you do not chose to accept cookies from us, you may not be able to utilize some areas of the website and we may not be able to provide certain online services to you.
How do I modify my browser to turn off (“disable”) the cookie acceptance feature?
If you would like to accept or decline cookies, you can find help about modifying your browser by visiting www.aboutcookies.org.
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