Privacy Policy

Riviera Insurance Services Limited Privacy Policy.

In accordance with the General Data Protection Regulation and related UK data protection legislation, we are committed to protecting the confidentiality and security of the information that you provide to us.

This Privacy Notice is designed to help you understand how we collect and use your information.

We may collect information from you about other people, for example, family members who may drive your car or who may be included on a travel or household insurance policy. If you give us information about another person, it is your responsibility to ensure and confirm that:

• you have told the individual who we are and how we use personal information, as set out in this Privacy Policy; and
• you have permission from the individual to provide that personal information to us and for us to use it, as set out in this Privacy Notice.

If you have any questions or queries about this policy, please contact us.

Who we are

“Riviera” (also referred to in this Notice as “we”, “us”, or “our”) means Riviera Insurance Services Limited. Riviera Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number 786116. You may check this on the Financial Services Register by visiting the FCA website. Riviera Insurance Services Limited is registered in England and Wales (Company Number 09827823). Registered office: Petitor House, Nicholson Road, Torquay TQ2 7TD, United Kingdom.

How to contact us:

For any questions or concerns relating to this Privacy Policy or our data protection practices, or to make a subject access or any other request regarding the information we hold, please contact us at:

Riviera Insurance Services Limited

234-236 Union Street,

Torquay,

TQ2 5QS

Tel: 01803 659111; email: admin@rivierainsurance.co.uk

Website: onlinequote.rivierainsurance.co.uk

Website: rivierainsurance.co.uk

Why we need and how we use your personal information

We only collect, use and store your information where we have lawful grounds and legitimate business reasons to do so.

We collect, use and store your personal information in order to fulfil requests for quotes, products and services as part our insurance broking, claims handling and risk management business. It may also be used to verify your identity, to administer payments and to enable us to carry out anti-money laundering and other financial crime checks where required. If you pay by instalments your information may also be used to arrange credit.

The use of your data is essential for us to check your identity, to enable you to enter into an insurance contract and for the insurance to operate (in the event of a claim, for example). We may also use it keep our records up to date, to notify you about changes to our service and to help us in develop new products and services.

If you do not provide the information required, we are unlikely to be able to arrange your insurance and may not be able to provide certain services to you.

We may monitor calls, emails, text messages and other communications with you.  When you contact us, we may keep a record of that correspondence and any information provided to us during that or any subsequent communication.

You should show this policy to anyone whose personal information you provide to us. You must ensure that any such information you supply relating to anyone else is accurate and that you have obtained their consent to the use of their data for the purposes set out above.

If a third party makes a payment on your behalf for your insurance policy, you must show these details to the person who paid on your behalf.

Marketing

We would like to keep you updated about our relevant products and services by email, SMS and/or telephone. If we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes we will only do so with your consent. Your consent will be obtained specifically at the appropriate time.

If you have already consented and wish us to stop using your information for this purpose or any other purpose, then please contact us.

Nature of personal information

Personal data is any information that may identify a living individual.

We collect personal information such as name, contact details, date of birth, gender, marital status, financial details, employment details and other personal details depending on the nature of the insurance and other services we offer.

We may collect, use and store sensitive personal information such as criminal convictions and medical conditions as necessary in relation to insurances such as motor, home, travel and health insurance. This information may be shared with insurers, insurance product providers and our third-party service providers. Where necessary, we shall obtain your consent to the processing of such information.

How we use your information

It is necessary for us to process the personal data we have for you for us to perform our obligations under either a contract you have with us, or in order to assess, organise and administer a quote before entering a contract of insurance with you.

In order to assess, organise and administer an insurance contract, provide you with the best prices and reduce fraud, we collect and share information from various sources and methods as detailed within this privacy policy. If we are unable to have your consent for this or if you withdraw your consent, then we may be in a position where we are not be able to offer you insurance products or credit.

Contact and consent

We gather several consents from you throughout your insurance quote. You choose the consents you give. You can change these consents that have been given at any time. Simply contact us by phone, email or post.

Sharing information

We will only supply your personal information to other parties where such a transfer is a necessary part of the activities that we undertake, where you give us consent or where we are required to do so by law or regulation (e.g. where the disclosure is necessary for the purposes of the prevention and/or detection of crime).

As an intermediary we must disclose personal information to insurance companies, underwriting agencies, business partners and other parties in order to provide our products and services and to enable you to enter into insurance contracts. Examples of other parties include other insurance intermediaries, loss adjusters, regulatory bodies, legal and accountancy firms involved in the claims handling process. We may also share your personal information with fraud prevention agencies such as the Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud and Theft Register. We may pass information relating to your insurance policy and any incident to the operators of these registers, their agents and suppliers,

For motor insurance we share it with the Motor Insurance Database (MID) which may be used to establish whether a driver is insured to drive a vehicle and/or for preventing or detecting crime. If you are involved in an accident in the UK or abroad, the MID may be searched to obtain relevant policy information. You can find out more at www.mib.org.uk

We may also disclose your information to service providers engaged to perform services on our behalf. Such service providers are contractually restricted from using or disclosing the information we give them except as necessary to perform services on our behalf or to comply with legal requirements.

We only share your information if we are satisfied that our partners or suppliers have sufficient measures in place to protect your information in the same way that we do.

We may share your data with our insurance or price comparison partners, credit providers, credit reference agencies, debt collection agencies, the Financial Ombudsman Service or underwriting databases.

We may also disclose personal information to new owners of our business in the event that we are subject to a merger or acquisition. Disclosure may also be made to enable company audits, regulatory inspections or to investigate a complaint, suspicion of fraud or a security threat.

We never share your information outside our organisation for marketing purposes.

You understand that we may disclose the information you provide to relevant other parties for the purposes described in this Notice.

Cookies and how we get data

When you visit our website(s), we record technical information about the operating system, device and time data. We use this information to enhance our user experience and better understand how users interact with our website(s) and their journey. The information is then stored. We use DVLA, postcode and Bank Account look ups and verification to populate some of the fields on our insurance forms.

We use cookies to remember the choices you enter, better serve your user journey and differentiate different users on the website(s). Cookies are small (and usually encrypted) files place on your computer by our website(s). Our digital team can then uses the data collected to ascertain useful information on our users and make their journey more efficient. There are different forms of cookies, persistent cookies, session cookies, performance cookies and essential cookies. If you disable cookies, we may not be able give you the best user journey on our website(s) and functionality may be reduced or prevented.

Transfer of personal data outside the UK

Certain personal information held on our Information Technology systems may be transferred across geographical borders in accordance with applicable law.

By providing us with your information, you consent to the collection, international transfer, storage, and processing of your information. These transfers are governed by European Union (EU) standard contractual clauses or equivalent data transfer agreements to protect the security and confidentiality of personal information.

Payment Provider

When you purchase a policy with us, your bank details and car details will be stored safely. Our online payment provider is Stipe, who are certified to PCI Service Provider Level 1. This is the most stringent level of certification available in the payments industry. To accomplish this, they use the best-in-class security tools and practices to maintain a high level of security at Stripe. All card numbers are encrypted at rest with AES-256. Decryption keys are stored on separate machines. None of Stripe’s internal servers and daemons can obtain plaintext card numbers but can request that cards are sent to a service provider on a static allowlist. Stripe’s infrastructure for storing, decrypting, and transmitting card numbers runs in a separate hosting environment, and doesn’t share any credentials with Stripe’s primary services

How long we keep information about you

We will keep your information for as long as it is required to enable us to provide quotations, administer your insurances, offer renewal and respond to any claims or complaints (which may arise after the period of insurance has expired). This will usually be a minimum period of seven years or otherwise as determined by law or regulation. Once we decide that we no longer need your information it will be securely and confidentially destroyed.

Your data protection rights

Data protection laws means the Data Protection Act 2018, the EU General Data Protection Regulation (GDPR), and any subsequent, similar or equivalent legislation relating to the protection of personal, including sensitive data.

Please see www.ico.org.uk for our entry in the Information Commissioner’s register of data controllers. Our registration number is ZA163730.

Please note that under the Rehabilitation of Offenders Act 1974 you’re not required to disclose to us any convictions regarded as spent. Take a look at here for more information

It is also an offence under the Road Traffic Act to make any false statements or to withhold information for the purpose of obtaining a Certificate of Motor Insurance.

You have certain legal rights under UK data protection law and regulations, summarised as follows:

• The right to be informed about our data processing activities, including through Privacy Notices such as this.
• The right of access to the personal information we hold about you. To request a copy of this information you must make a subject access request in writing to us.
• The right of rectification. You may ask us to correct any inaccurate or incomplete data within one month.
• The right to erasure and to restrict processing. You have the right to have your personal data erased and to prevent processing except where we have a legal obligation to process your personal information. You should bear in mind that by exercising this right you may hinder or prevent our ability to provide products and services.
• The right to data portability. On your request, we will provide you with your personal data in a structured format.
• The right to object. You have particular rights in relation to automated decision making and profiling to reduce the risk that a potentially damaging decision is taken without human intervention. You can object to your personal data being used for profiling, direct marketing or research purposes.

If you want to invoke any of these rights, please write to us at:

Riviera Insurance Services Limited

234-236 Union Street,

Torquay,

TQ2 5QS or email: admin@rivierainsurance.co.uk

Withdrawal of consent

Where you have provided your specific consent to the use of personal data, you may withdraw that consent by contacting us:

Riviera Insurance Services Limited

234-236 Union Street,

Torquay,

TQ2 5QS

Tel: 01803 659111 or email: admin@rivierainsurance.co.uk

How to make a complaint

If you wish to make a complaint about how we hold or use your data, please contact us:

Riviera Insurance Services Limited

234-236 Union Street,

Torquay,

TQ2 5QS

Tel: 01803 659111 or email: admin@rivierainsurance.co.uk

If you are dissatisfied with how we deal with your complaint, you may contact the

Information Commissioner’s Office:

The Information Commissioner, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF; Phone: 08456 30 60 60 Website: www.ico.gov.uk

Information from other sources

We may use legal public sources such as the electoral roll and other third-party sources such as credit reference agencies to obtain information about you, for example to verify your identity or check your credit history.

We also obtain information about you from credit reference agencies and similar third parties. Some personal information may be provided to us by third parties such as insurance companies, other insurance intermediaries and motor vehicle licensing authorities. In some cases, you will have previously submitted your personal information to them and given them approval to pass this information on for certain purposes.

Such information will only be obtained from reputable sources which operate in accordance with the General Data Protection Regulation.

We and/or other parties may use your information for purposes such as statistical and trend research and analysis which may include computerised processes which profile you. Automatic profiling helps us understand, predict and forecast customer preferences and to improve the products and services we offer and to assess which products might be most suitable for you.

Information we collect

It’s imperative that you provide accurate, complete and up to date information prior to purchasing, throughout the lifetime of your insurance policy and when you renew an insurance policy. If you don’t, your policy may be cancelled, or treated as if it never existed, or your claim may be rejected or reduced.

We collect information about you when:

• You visit our websites
• You purchase an insurance policy on our website
• You call us to obtain a quote and buy insurance
• You make changes, cancel or renew your insurance policy

We limit the collection of personal information to what we need to know to preserve the accuracy of our records, verify the user identity and assess the financial standing of customers, assess and arrange credit, deal with complaints, handle claims, re-engage with you if we lose contact, assist us in providing a high standard of service, and to fulfil any legal and regulatory requirements.

We may collect, store and transfer different personal information about you which we have grouped below:

• Your Identity Data includes [first name, last name, username or similar identifier, marital status, gender, title and date of birth].
• Contact Data includes [address, email address and all telephone numbers].
• Financial Data includes [bank account number, sort code number, bank details and payment card details].
• Transaction Data includes [details about payments to and from you and other details of products and services you have purchased from us].
• Technical Data includes [internet protocol (IP) address, your login data, time zone setting and location, browser type and version, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website, further information is provided within our Cookie Section].
• Usage Data includes [information about how you use our website, products and services].
• Marketing and Communications Data includes [your preferences in receiving marketing from us and our third parties and your communication preferences].
• Claims Data includes [Date of Claim, Claim Status, Value of Claim, NCB affected]

We may also collect data which the Data Protection Act defines as ‘special’ data such as;

• Medical history includes [Medical Condition and/ or Medications]
• Criminal convictions may include [the offence committed, the date of conviction].

The special data we obtain will only be used for the purpose of arranging and administering an insurance policy.

If you have downloaded our app:

In addition to our Privacy Policy, our Riviera Insurance App may also collect the following:

• Your contact details such as name, email addresses, phone numbers
• Further personal details such as marital status, employment status, income information, proof of residency
• Your claims history
• Location information for the purposes of location targeting in the event of a car claim
• Information on your vehicle or property to be used for quotation purposes only

Examples of special category data we collect for quotation purposes only may include

• Your medical history
• Criminal convictions and county court judgements