We are committed to safeguarding the privacy of our website visitors; this policy sets out how we will treat your personal information.
We may collect, store and use the following kinds of personal information:
(a) information about your computer and about your visits to and use of this website including [your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views, website navigation.]
(b) Information relating to any transactions carried out between you and us on or in relation to this website, including information relating to any purchases you make of our goods or services
(c) Information that you provide to us for the purpose of registering with us
(d) Information that you provide to us for the purpose of subscribing to our website services, email notifications and/or newsletters
(e) Any other information that you choose to send to us;
We [may] use “session” cookies on the website. We will use the session cookies to: keep track of you whilst you navigate the website;
Session cookies will be deleted from your computer when you close your browser.
If you instruct us to carry out a mid-term adjustment or cancellation on your behalf we will charge up to £30.00 per adjustment. Duplicate documents will be charged at £20.00. No refund of premium will be given if the amount of refund is under £10.00.
(a) administer the website;
(b) improve your browsing experience by personalising the website;
(c) enable your use of the services available on the website;
(d) send to you goods purchased via the website, and supply to you services purchased via the website;
(e) send statements and invoices to you, and collect payments from you;
(f) send you general (non-marketing) commercial communications;
(g) send you email notifications which you have specifically requested;
(h) send to you [our newsletter and other] marketing communications relating to our business which we think may be of interest to you by post or, where you have specifically agreed to this, by email or similar technology (you can inform us at any time if you no longer require marketing communications) 5;
(j) deal with enquiries and complaints made by or about you relating to the website; and as we pride ourselves on the services we provide to our clients and we hope that you do not have cause to complain.
In the unlikely event that you are not satisfied about something we have or haven't done, we have a set procedure to follow.
Please contact our office for details.
Some clients are able to take unresolved complaints to the Financial Ombudsman Service (FOS). You can contact FOS using the various methods below and we have provided a brief guide to their service here and a link to their website here. By phone Monday to Friday – 8am to 8pm and Saturday – 9am to 1pm 0800 023 4 567 (calls to this number are now free on mobile phones and landlines) 0300 123 9 123 (calls to this number cost no more than calls to 01 and 02 numbers) or from abroad on +44 20 7964 0500 By post The Financial Ombudsman Service Exchange Tower London E14 9SR
Where you submit personal information for publication on our website, we will publish and otherwise use that information in accordance with the license you grant to us. We will not without your express consent provide your personal information to any third parties for the purpose of direct marketing.
In addition, we may disclose your personal information:
(a) to the extent that we are required to do so by law;
(b) in connection with any legal proceedings or prospective legal proceedings;
(c) in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);
(d) to the purchaser (or prospective purchaser) of any business or asset which we are (or are contemplating) selling; and
We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.
We will store all the personal information you provide on our secure (password- and firewall- protected) servers. All electronic transactions you make to or receive from us will be encrypted. 8 Of course, data transmission over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.
You may instruct us to provide you with any personal information we hold about you. Provision of such information will be subject to:
(a) the payment of a fee (currently fixed at £10.00); and
(b) the supply of appropriate evidence of your identity (for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address).
We may withhold such personal information to the extent permitted by law.
You may instruct us not to process your personal information for marketing purposes by email at any time. In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt-out of the use of your personal information for marketing purposes.
The website contains links to other websites. We are not responsible for the privacy policies or practices of third party websites.
Please let us know if the personal information which we hold about you needs to be corrected or updated.
The data controller responsible in respect of the information collected on this website is IPG Retail Ltd.
Changes to the policy – in particular as to permissible uses of personal data – may not be retrospective. In other words, if you collect personal information on one basis, you cannot, simply by changing the terms of your policy, go on to legitimately use that information on a different basis.
PAPA Insurance is a trading name of IPG Retail Ltd. Authorised and regulated by the Financial Conduct Authority, No. 595853.