Brightside is committed to both respecting your privacy and providing a secure website so your personal information is protected. You can be assured any information you provide to us will be used strictly in accordance with the terms laid out in this statement.
2. Collecting information
The type of information we will collect will include, for example, your name and postal address, date of birth, telephone number, email address, credit/debit card details and bank account details. The information we hold will be, to the best of our knowledge, accurate and up to date. Under the Data Protection Act you have the right to see the personal information that we hold about you in our records. All personal information is treated confidentially and is safely stored on our computer, with security systems preventing unauthorised access.
We will endeavour to treat all your personal information as private and confidential. Other than under the terms of this privacy statement we will not disclose any of your information to anyone. We would like to bring your attention to our obligations to disclose information in the following exceptional cases permitted by law. These are:
4. 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.
You will be able to access your account by using your email address or your user name and customer reference number. The Brightside website also uses 128-bit secure socket layer (SSL) encryption technology to encrypt sensitive information such as your financial information. When you request a quote from us, we will process the data on a secure server.
5. How we use 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 will use and disclose your information to insurers, their agents, the regulator and other third parties in the normal course of administering or arranging your insurance policy. We may also obtain information about you from credit reference agencies to check your credit status and identity. The agencies record our enquiries but your credit standing will not be affected.
For more information on the Data Protection Act you can call the Information Commissioner's Office on 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number. You can also email: firstname.lastname@example.org (please include your telephone number) or write to the Information Commissioner's Office at Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF.
Your details are safe with us because we won’t share your details with anyone else for marketing purposes. If you don’t want to hear from us, simply opt out of receiving marketing communications by writing to our Marketing Department at Brightside Park, Aust, Bristol BS35 4BL or email them at email@example.com.
7. Sensitive data
In order to assess the terms of the insurance contract or administer claims which arise, we and the insurer may also need to collect data which the Data Protection Act defines as sensitive such as medical history or criminal convictions. We will not use this data except for the specific purpose for which you provide it and to provide the services described in your policy booklet.
8. Credit searching and references
To make sure that the insurers can provide you with their best price, ascertain the most appropriate payment options for you and protect you from fraud, they will use public and personal data from a variety of sources, including a credit reference agency and other organisations. Credit reference agencies share information with other organisations, enabling applications for financial products to be assessed, helping to trace debtors and preventing fraud. Credit scoring uses a number of factors to work out risks involved in any application. A score is given to each factor and a total score obtained. Where automatic credit scoring computations are used, acceptance or rejection of your application will not depend only on the results of the credit scoring process. By applying for a quotation, you agree to these uses of your information. The insurers’ search will appear on your credit report whether or not your quotation proceeds to application but it shouldn’t harm or adversely affect your credit profile.
9. Anti-fraud registers
We may pass details to the Claims and Underwriting Exchange Register which is run by Insurance Database Services Limited (IDS Ltd), and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI), to check the information provided and prevent fraudulent claims. When dealing with your request for insurance these registers may be searched.
10. 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 DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:
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.
11. How to access your information
Under the Data Protection Act 1998 you have the right to request a copy of all the personal information we hold about you. To do this, simply write to us at Data Protection Officer, Brightside Insurance Services Ltd, Brightside Park, Aust, Bristol BS35 4BL enclosing a cheque for £10.00 payable to Brightside Insurance Services Ltd to cover our administrative costs in dealing with your request. If you have any queries in respect of confidentiality and data protection please contact us.
We will take reasonable steps to confirm your identity before providing you with details of any personal information we may hold about you.
Please see www.ico.org.uk for our entry in the Information Commissioner's register of data controllers. Our registration number is Z5268008.
12. Links to other websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question. Please be advised that we do not represent either the third party or you, if you enter into a transaction on the third party site.
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.
What is a cookie?
Cookies are small text files placed on your computer by websites or sometimes by emails. They provide useful information to companies, which help in many ways. For you, it means you can use our site more efficiently and save you time by not having to re-enter your details each time you visit. They also make sure you receive the most relevant information from us.
There are two main categories of cookies:
Cookies we use and why we use them:
Essential cookies are technical cookies that are required for the operation of our sites. Without essential cookies our web site can't operate properly. Essential cookies include, for example, cookies that enable you to log into secure areas.
Performance cookies allow us to recognise and count the number of visitors to our web site and to see how visitors move around them. This helps us to improve the way our web site works by enabling us to tailor our site to the way visitors use them. The information we collect from performance cookies is aggregated which means that we cannot identify you from it.