Privacy policy
Your privacy matters to us, and this policy explains how Cork Bays & Fisher collects, uses, stores, and safeguards your personal information.
Privacy notice
This privacy notice explains how Advantage Financial Services Limited trading as Cork Bays & Fisher collects, uses, stores and shares personal data. ICO guidance expects organisations to explain clearly what personal data they collect, why they use it, how long they keep it, who they share it with, and what rights individuals have.
For the purposes of data protection law, Advantage Financial Services Limited is the data controller in relation to the personal data we process for our own business purposes. Responsibility for data protection compliance sits with senior management. Data protection queries can be raised using the contact details below. We do not make decisions based solely on automated processing that produce legal or similarly significant effects on individuals.
The personal data we collect
We may collect and process personal data such as:
- name, address, email address and telephone number
- date of birth
- policy, claims and risk information
- payment and finance-related information
- correspondence and records of communications with us
- information collected when you use our website, including technical information such as IP address and cookie data
In some cases, we may also need to collect and process special category data, such as health information, and information relating to criminal convictions or offences, where this is necessary in connection with arranging, administering or renewing insurance, handling claims, preventing fraud, or meeting legal and regulatory obligations.
If you provide us with personal data about another person, you should ensure that you are entitled to do so and, where appropriate, make them aware of this privacy notice.
How we collect personal data
We may collect personal data:
- directly from you
- from insurers, underwriters, other brokers, introducers and claims handlers
- from premium finance providers
- from fraud prevention, credit reference and identity verification agencies
- from publicly available sources
- through your use of our website, including cookies and similar technologies
How we use personal data
We use personal data to:
- provide quotations and arrange insurance cover
- administer and renew policies
- process claims and complaints
- communicate with you about your insurance or our services
- carry out checks for identity, fraud prevention, anti-money laundering, sanctions and creditworthiness where appropriate
- comply with legal, regulatory and compliance obligations
- maintain business records
- improve our services, systems and website
- send marketing communications where permitted by law or where you have consented
Legal bases for processing
We may process personal data where this is necessary:
- to take steps at your request before entering into a contract
- for the performance of a contract with you
- to comply with a legal or regulatory obligation
- for our legitimate interests, including administering our business, improving our services, preventing fraud and handling complaints, except where your interests or fundamental rights override those interests
- where required, on the basis of your consent
Where we process special category data or data relating to criminal convictions or offences, we will do so only where the law permits and an appropriate condition applies.
Sharing personal data
We may share personal data with:
- insurers, underwriters, reinsurers and other insurance market participants
- other intermediaries and brokers
- claims handlers, loss adjusters and recovery agents
- premium finance providers
- fraud prevention agencies, credit reference agencies and identity verification providers
- professional advisers, auditors and compliance support providers
- IT, hosting and document management providers
- regulators, law enforcement agencies, courts, ombudsman services and other authorities where required
- any person acting on your behalf where you have authorised this
International transfers
Where we or our service providers transfer personal data outside the UK, we will take appropriate steps to ensure that your personal data is protected and transferred in accordance with applicable data protection law.
How long we keep personal data
We keep personal data only for as long as necessary for the purposes for which it was collected, including for legal, regulatory, tax, accounting, complaints-handling and record-keeping purposes.
In most cases, we expect to retain personal data for no longer than 6 years after the end of our relationship with you, although we may keep it longer where required by law, regulation, limitation periods, claims considerations or legitimate business need.
Security
We take appropriate technical and organisational measures to protect personal data against unauthorised or unlawful processing, accidental loss, destruction or damage.
Your rights
Subject to applicable law, you may have the right to:
- be informed about how your personal data is used
- request access to your personal data
- request correction of inaccurate or incomplete personal data
- request erasure of your personal data
- request restriction of processing
- object to processing
- request transfer of certain personal data to you or another organisation
- object to certain automated decision-making and profiling
Marketing
If we send you marketing communications, we will do so in accordance with applicable law. You can ask us to stop sending marketing communications at any time by contacting us at enquiries@corkbaysfisher.co.uk or by using any unsubscribe option included in the communication.
Cookies
Our website may use cookies and similar technologies to help it function, improve performance, understand how visitors use the site and, where applicable, support analytics and preferences. ICO guidance says organisations should explain what cookies are used for and give people clear information about their choices. Please contact us at enquiries@corkbaysfisher.co.uk if you require more detailed cookie information.
You can manage your cookie preferences through your browser settings and any cookie tools made available on our website.
Data protection queries and complaints
If you have any questions or concerns about how we use your personal data, please contact us first by email or telephone:
Email: enquiries@corkbaysfisher.co.uk
Telephone: 020 7324 3938
You also have the right to complain to the Information Commissioner’s Office (ICO).
Information Commissioner’s Office Wycliffe House Water Lane Wilmslow Cheshire SK9 5AF
Helpline: 0303 123 1113 Website: www.ico.org.uk
Changes to this notice
We may update this page from time to time to reflect changes in law, regulation, our services or the way we process personal data. The latest version will always appear on our website.
