1. Introduction

Property Expert Limited Trading as The Property Insurer (we or us) are committed to protecting and respecting your privacy. This privacy policy explains in detail the types of personal data that we may collect about you, how we will store and handle that data, and keep it safe.

We want you to be fully informed about your rights, how we use your data and who we may share it with. We reserve the right to amend or modify this privacy policy from time to time and will inform you of any significant changes, but you are welcome to check back with us whenever you wish.

2. Who we are

Property Expert Limited Trading as The Property Insurer is a UK company, operating from Suite 3, Thrapston House, Huntingdon Road Thrapston, Northamptonshire NN14 4NF. We are an independent intermediary, authorised and regulated by the Financial Conduct Authority under reference 615253.

If you have any queries relating to the processing of your personal information, please contact us on on 01832 735388. You are welcome to email us at doug@thepropertyinsurer.co.uk or you can write to us at Property Expert Limited T/A The Property Insurer Suite 3, Thrapston House, Huntingdon Road, Thrapston, Northamptonshire NN14 4NF.

3. The data we collect

As part of providing our services to you we may collect, record, monitor and store personal data. This data is obtained in various ways including from you in person, by phone, email, post, via on-line website forms or we may be passed your data by third party business partners where you have allowed them to do so.

The types of data we may collect include but is not limited to:

If you are providing us with another person’s data, for example when you add a joint-proposer you are confirming that they have given their consent to provide this information to us and that they understand our privacy policy.

4. How and why we collect and process your data

We want to provide you with the best possible quotation experience and therefore we may use your data in various ways including:

a. to enable you to access and use the Services; and/or

b. to personalise aspects of our overall service to you; and/or

c. to communicate with you; and/or

d. to process a transaction between you and a third party.

We will also process your data where we have a legal obligation to do so or where it is necessary to inform you about changes to our services.

We may collect data about you through the use of technology such as cookies. You have the ability to accept or decline cookies from any website by modifying the settings in your web browser. Please note that disabling cookies could affect the functionality of our website. For further information please view our full cookie policy.

5. Who we share your personal data with

When you use any of our services we may exchange your personal data with the following third parties:

a. Our trusted Insurer Partners with a view to providing you with quotations or policies requested by you.

b. Other service providers including;

c. We or our partner providers may carry out checks to verify your identity and help prevent fraud and money laundering. This could mean checking the electoral register, the HM Treasury Financial Sanctions List, checking your credit history with credit reference agencies or we may cross check data with our own or partner provider databases.

d. The Financial Conduct Authority, the Insurance Ombudsman or other regulatory bodies for the purposes of compliance monitoring and complaint handling.

e. If we are provided with false or inaccurate information and fraud is suspected, details may be passed to fraud prevention agencies and other organisations to prevent crime and fraud.

f. We will also disclose data;

6. Passing on information about you

If you do not wish the information that you provide to be submitted to external, third party insurance intermediaries and/or organisations for the purposes of providing you with a quotation(s) for your immediate or future insurance requirements you should not use this website

7. Where your personal data may be processed

On some occasions we or our Partners may process or store your personal data in a country outside of the European Economic Area (EEA). The laws in some countries may not provide as much legal protection for your data as in the EEA. In these circumstances we will strive to ensure that your data is treated securely and in accordance with this Privacy Policy.

8. Your rights

You have the right to;

If you wish to have access to your data or require any further information on your rights please contact us on 01832 735388, or email doug@thepropertyinsurer.co.uk.

9. How we Store and Protect your data

We know how important data security is and Property Expert Limited is committed to treating your data with the utmost care and take all the appropriate steps to protect it. Our website uses “https” technology and access to our servers with your personal data including policy information, call recordings, emails and other correspondence is fully secured and password protected and all staff undertake rigorous data protection training. We regularly monitor and audit our systems to identify potential threats and vulnerabilities and we continually strive to further enhance our security systems.

10. How long do we keep your personal data?

Unless required to do so by law, we will only hold your personal data on our systems for as long as is necessary to fulfil the purposes outlined in this Privacy Policy or you request it is deleted. At the end of the retention period the data will either be deleted completely or anonymised, for example by aggregation with other data so that it can be used in a non-identifiable way for statistical analysis and business planning. Even if we delete your personal data it may persist on backup or archival media for legal, tax or regulatory purposes.

11. Contacting the regulator

If you feel that your data has been handled incorrectly, or you are unhappy with our response to a request you have made regarding the use of your personal data, you have the right to make a complaint to the Information Commissioner’s Office. You can contact them by phoning 0330 123 1113 or visiting their website www.ico.org.uk/concerns

We hope you have found our Privacy Policy helpful in setting out how we use your personal data and your rights to control it. Should you require any further information or assistance please do not hesitate to contact us.