Privacy Policy

Who we are

In this Privacy policy references to “we”, “us” and “our” are to SPB UK & Ireland Ltd.

SPB UK & Ireland Ltd is the group name of the following companies:

All of these companies are responsible for looking after your personal data and are governed by this Privacy policy.

At SPB UK & Ireland we collect and use personal information for insurance policy, claims and card loss administration services. We are aware of our responsibilities to handle your personal data with care, to keep it secure and comply with applicable privacy and data protection laws.

We will ensure that transfers of personal data to a third country or an international organisation are subject to appropriate safeguards in accordance with UK GDPR.

Privacy policy

The purpose of this policy is to provide a clear explanation of when, why and how we collect and use information which may relate to your "personal data" and explains your statutory rights.

1. What information we collect and how

We will collect data from you when you contact us directly for a policy quotation or visit one of our websites. * If you purchase a policy from one of our business partners your personal data will be provided to enable us to provide policy, claims and card loss administration services.

We may also collect information about you from other sources to help fraud detection and financial crime prevention. These other sources include registers held by reputable organisations.

The data collected may include:

*Please note that some elements of our websites are managed and operated by our Group Head office at 71 Quai Colbert 76095 Le Havre Cedex France, and therefore will be subject to the following:

In accordance with French data protection legislation of January 6, 1978 as amended by the Act of August 6, 2004 (articles 38-43 of Act no. 78-17 of January 6, 1978 concerning "Information Technology, Files and Freedom of Information") you have the right to access, change, correct or delete information that refers to you by name. To exercise this right, you should write to spb-dpo@spb.eu

For information on France's data protection legislation, please visit the website of the French Commission Nationale de l’Informatique et des Libertés at www.cnil.fr.

2. What we use your information for

Any personal data we collect from any website or by other means will be used in accordance with the Data Protection Act 2018 and UK General Data Protection Regulation.

The details we collect will be used as follows:

3. Protecting your privacy

Your personal data will only be used for the purposes detailed under section 2: Where you have provided your consent to the data being used in that way or the use of your personal data is to provide a service or provide a quotation in relation to an insurance policy or the use of your personal data is necessary to comply with any relevant legal or regulatory obligation.
or
Our use of your personal data is necessary to support 'legitimate interests' that we have as a business (for example, to improve our products, or to carry out analytics across our datasets), provided it is conducted always in a way that is proportionate, and that respects your privacy rights.

4. Who do we share your personal data with

We work with third parties to help manage our business and deliver services. These third parties may, from time to time, need to have access to your personal data. In addition, access may also be required as follows:

5. Direct marketing

Where prior consent has been obtained from you we may use your personal data to send you direct marketing communications about insurance products or related services. This may be in the form of email, post, SMS, telephone or targeted online advertisements. Any marketing will be reasonable and proportionate. You have a right to prevent direct marketing of any form at any time. This right can be exercised by following the opt-out links in electronic communications, or by contacting us directly.

6. How long do we retain your information

Your personal information will not be retained for longer than is necessary and will be managed in accordance with our data retention policy. In most cases the retention period will be for a period of seven years following the policy record expiry date or the date of claim notification.

7. Your rights

Under data protection law, you have rights including:

Your right of access - You have the right to ask us for copies of your personal information.

Your right to rectification - You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.

Your right to erasure - You have the right to ask us to erase your personal information in certain circumstances.

Your right to restriction of processing - You have the right to ask us to restrict the processing of your personal information in certain circumstances.

Your right to object to processing - You have the right to object to the processing of your personal information in certain circumstances.

Your right to data portability - You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.

Please contact our Data Protection Officer below for any of these requests.

Data Protection Officer
SPB UK & Ireland
3000, Lakeside,
North Harbour,
Western Road,
Portsmouth,
Hampshire,
PO6 3FQ
Email: compliance@spbuk.com
Telephone: 02392 836839

Automated Decisioning In Claims

In some cases where you register the need to make a claim under your policy, we may use automated processes to determine whether your claim falls within the scope of cover. This decisioning includes logic around the covered circumstances and is directly related to any cover and limits in place. We have relevant quality processes in place to ensure the accuracy of any claims decision where an automated process is in place.

8. Complaints

We ask that you please attempt to resolve any issues with us first, by contacting the Data Protection Officer at compliance@spbuk.com

You can also complain to the ICO if you are unhappy with how we have used your data.

The ICO’s address:
Information Commissioner’s Office
Wycliffe House
Water Lane Wilmslow Cheshire SK9 5AF

Helpline number: 0303 123 1113 ICO website: https://www.ico.org.uk

9. Websites

This privacy policy only covers this website. Any other websites which may be linked to by our website are subject to their own policy, which may differ from ours.