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Privacy Policy

Who We Are

Kitsune Associates Limited is a Managing General Agent who are an appointed representative of Brightside Insurance Services. Brightside Insurance Services are authorised and regulated by the Financial Conduct Authority. Our registered office is located at Brightside Park, Severn Bridge, Aust, Bristol, BS35 4BL.

Introduction

Kitsune is committed to respecting your privacy and protecting the personal information that you share with us. You can be assured any information you provide to us will be used strictly in accordance with the terms laid out in this policy and complies with Data Protection laws.

This privacy policy explains how we collect and use your details, the laws and regulations that apply, the systems and services we use and how we detect and prevent crime such as fraudulent applications and claims.

We will do our best to ensure that your details are accurate and kept up-to-date and we would ask you to assist us in doing so by letting us know of any changes to your personal information. Keeping us up to date with changes to your information is also a requirement of many insurance contracts.

You must ensure that any such information you supply relating to anyone else is accurate and that you have obtained their written consent to the use of their data for the purposes set out above.

Data Protection Laws

Data protection laws means the Data Protection Act 1998, as amended from time to time and 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 ZA297112.

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 www.gov.uk/government/publications/new-guidance-on-the-rehabilitation-of-offenders-act-1974 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.

Our Commitment to You 

We will treat all your personal information as private and confidential. Other than under the terms of this privacy policy we will not share any of your information with anyone else. We are required to disclose information in the following cases by law. These are:

  • Where we are legally forced to 
  • Where there is a duty to the public to disclose information
  • Where you have given permission to disclose information
  • Where we have to protect our interest, including but not restricted to legal advice in the event of litigation.

Collecting information 

To provide our services as an insurer, we will collect and use information about you, such as your name and contact details, which may also include special categories of personal data (e.g. about your health) and information relating to criminal convictions and offences. All personal information (including any sensitive personal data) acquired by us is held in accordance with all applicable legislation relating to data protection and privacy including (but not limited to) the Regulation (Eu) 2016/679 of the European Parliament and of the Council of 27 April 2016 and we maintain protections and procedures in the storage and disclosure of personal information to keep it secure and prevent unauthorised access to or loss of such information

We may monitor and record all communications with you for compliance and training purposes.

How We Use Your Data

Your consent to us processing special categories of personal data is necessary for us to provide you with the relevant services and you hereby agree to us using the information you provide us for:

  • underwriting, renewal information, validation of claims history, claims handling and all other matters relating to the processing of this insurance and any claims under this policy;
  • statistical analysis, management information and market research;
  • audits, system integrity checking and risk management;
  • although you may withdraw your consent at any time, if you do we may be unable to continue to provide services to you.

Fraud Prevention

Personal information may also be used for the prevention and detection of fraud, and you consent to us:

  • sharing information about you with other organisations (including the police) for the purposes of fraud prevention and detection;
  • conduct searches using publicly available databases (including social media);
  • undertaking credit searches;
  • checking and sharing your details with fraud prevention and detection agencies.

How We Share Your Information

Personal information may also be disclosed to the following entities as part of the operation of our business:

  • other members of our group;
  • other insurance entities (such as our reinsurers) who have an interest in the risk accepted under this insurance;
  • our regulators;
  • potential purchasers of the whole or part of our business.

If false or inaccurate information is provided and fraud is suspected, details will be passed to fraud prevention agencies and made available to other organisations that have access to their databases. Law enforcement agencies may access and use this information. This information is used by us and other organisations to prevent fraud and other financial crime when:

  • checking the details made under the duty of fair presentation;
  • confirming claims information;
  • recovering outstanding debts;
  • checking details on applications for credit and managing credit accounts;
  • checking details of job applicants and employees.

Please contact us if you require details of the relevant fraud prevention agencies.

Please note: information from fraud prevention agencies may be accessed and used from other countries.

Personal information may be transferred to entities within and outside of the European Economic Area. If we do transfer information we will ensure that it is appropriately protected.

Where personal information is provided about another person, you must inform that person of our identity, and why their personal information will be processed and disclosed. You must also obtain their written consent to the processing of their personal information in this way and provide us such consent upon request.

Your Individual Rights

Individuals have certain rights under the Data Protection Legislation, including:

  • Right of Access
  • Right to Object
  • Right to Rectification
  • Right to Erasure
  • Right to Restrict
  • Right to Data Portability
  • Right to not be subject to automated decision making

How To Access Your Information

Under the Data Protection laws you have the right to access personal information held about you by Kitsune Associates Ltd.

If you wish to check this information, or have any queries on how we use your information you can contact us at: subjectaccessrequest@KitsuneAssociates.co.uk. Please quote SAR in the subject. You can also write to us at, The Data Protection Officer, Kitsune Associates Limited, Gateway House, Tollgate, Chandlers Ford, Eastleigh, SO53 3TG

We will take reasonable steps to confirm your identity before providing you with details of any personal information we may hold about you.

For more information on the Data Protection Laws you may also write to the Office of the Information Commissioner at:

Wycliffe House

Water Lane

Wilmslow Cheshire SK9 5AF

Tel: 0303 123 1113 or 01625 54 57 45

email: mail@ico.gsi.gov.uk        

How Long Do We Keep Your Information?

Any information we hold about you, whether on our computer system or on paper files, will be treated as private and confidential. We only keep your information as long as we need to. Please see the table below for further clarity.

When  How Long
You obtain a quote but do not purchase a policy   The validity of the quote (no more than 30 days) 
You purchase a policy with Kitsune   7 years after the end of your policy 
A claim is made under your policy   As long as is necessary in order to manage the claim

Information security

How we protect your personal information from misuse and abuse is of great importance to us. We regularly review our technical and physical security procedures to protect your personal data from unauthorised access.

Motor Insurance Database (MID)

Information relating to your motor insurance policy will be added to the Motor Insurance Database (“MID”) managed by the Motor Insurers Bureau (“MIB”). MID and the data stored on it may be used by certain statutory and/or authorised bodies including the Police, the DVLA, the DVA, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:

1. Electronic Licensing

2. Continuous Insurance Enforcement

3. Law enforcement (prevention, detection, apprehension and/or prosecution of offenders)

4. The provision of government services and/or services aimed at reducing the level and incidence of uninsured driving.

If you are involved in a road traffic incident (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 representatives) pursuing a claim in respect of a road traffic incident (including citizens of other countries) may also obtain relevant information which is held on the MID.

It is vital that the MID holds your correct registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized by the Police. You can check that your correct registration number details are shown on the MID at www.askmid.com.

Copyright

Access to our website ('Site') and our rights in it:

We are the owner of all copyright, design rights, database rights and all other intellectual property rights in the content of this Site unless otherwise stated.

You are permitted to access and use this site for personal, non-commercial use only. You may not access or use this site for any commercial purposes or otherwise exploit, extract, publish, distribute, or reproduce any part of this site for any commercial purpose.

We will take very seriously any access to or interference with this site with intent to deny, corrupt or damage or otherwise interfere with service from the Site or for other commercial purposes. We will monitor any such use and will take whatever action necessary to protect against such activities. By using this site, you agree that damages may not be an adequate remedy for any breach of these terms or infringement of any of our rights by you and you accordingly agree that we are entitled to any and all of the following remedies: injunction; specific performance; orders to deliver up infringing copies or materials and any other legal or equitable relief for any threatened or actual breach and/or infringement. You further agree that no proof of special damages is necessary for us to obtain any such remedies.

Governing Law

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