1. Who we are
This Privacy Policy explains how Cork Bays Fisher Ltd (“CBF”, “we”, “our”, “us”) collects, uses, and protects your personal data. CBF is authorised and regulated by the Financial Conduct Authority (FCA). We provide insurance broking and financial advisory services, and we handle personal data in accordance with the UK GDPR, the Data Protection Act 2018, and FCA requirements.
2. How to contact us
If you have any questions about this Privacy Policy or how your data is handled, you can contact us at:
dataprotection@advantagetravelpartnership.com
This is the best way to exercise your rights under data protection law.
3. The information we collect
We may collect identity and contact details, financial data, insurance details, claims history, risk assessment information, communication records, marketing preferences, and technical website data. Sensitive data (such as medical details) is collected only where required for insurance purposes and with your explicit consent or where permitted by law.
4. How we use your information
We use personal data to arrange and manage insurance contracts, provide advice, handle claims, and comply with FCA requirements. Data may be shared with insurers, underwriters, regulators, and professional advisers. We may also use secure AI tools to support internal productivity or analysis, but your data is never used to train these tools.
5. Our legal basis for processing
We process data where necessary for a contract, where required by law or FCA regulation, with your consent (e.g. sensitive or marketing data), or under legitimate interests balanced with your rights.
6. Data storage and security
Your personal data is stored in the UK and EEA. We use trusted service providers, who are bound by strict agreements to protect data and are required to handle your data securely and in compliance with law.
7. Sharing your data
We may share your data with insurers, underwriters, reinsurers, claims handlers, regulators, professional advisers, and service providers. We will never sell your data.
8. How long we keep your information
In line with FCA requirements, we keep records for at least six years after the client relationship ends, or longer where legally required (e.g. for claims). After this, personal data is securely deleted or anonymised.
9. Your rights
You have rights under UK GDPR including access, correction, erasure, restriction, portability, and objection. Contact dataprotection@advantagetravelpartnership.com to exercise your rights. You can also escalate complaints to the ICO or the FCA.
10. Cookies and website use
Our website may use cookies and analytics to improve your experience. You can control cookies in your browser settings. See our Cookie Policy for details.
11. Updates to this policy
We review and update our Privacy Policy regularly.
12. How we use your information – at a glance
| Purpose / Activity | Types of Data | Lawful Basis for Processing |
| To provide and manage insurance broking and advisory services | Identity, Contact, Financial, Insurance details | Performance of a contract; Legal obligation |
| To arrange and administer insurance policies | Identity, Contact, Financial, Risk data | Performance of a contract; Legal obligation |
| To handle and manage claims | Identity, Contact, Claim details, Insurance details | Performance of a contract; Legal obligation |
| To meet FCA regulatory requirements | Identity, Contact, Financial | Legal obligation |
| To process and manage payments | Identity, Contact, Financial, Transactional | Performance of a contract |
| To communicate with clients about products and renewals | Identity, Contact, Marketing preferences | Legitimate interest; Consent |
| To manage websites, cookies, and analytics | Technical data (IP address, usage data) | Consent; Legitimate interest |
| To use AI tools for limited productivity or analysis purposes | Business data you provide | Legitimate interest |