• Privacy and Cookie Policy
  • Privacy Statement

    At Bluedrop Services, we appreciate that your privacy is extremely important to you. With this in mind, we have put in place a number of measures to ensure that any personal details we obtain from you as a result of visiting this website, or via any other form of contact, are processed and maintained in accordance with accepted principles of good information handling and also in accordance with the General Data Protection Regulation (GDPR).

    This statement provides you with details of the type of information we may hold about you, how we obtain and use information and how we protect your privacy. You may also refer to the Confidentiality and Data Protection (GDPR) section of our Terms of Business document.

    For the purpose of the GDPR, the Data Controller is Bluedrop Services (NW) Ltd, a company registered in England Reg No 07287668.

    Data Protection Register No. Z2345782

    Bluedrop Service's Privacy Statement includes the following sections:

    1. Introduction
    2. Collecting your information
    3. Processing your information
    4. Legal grounds for processing
    5. Accuracy of your information
    6. Recipients of your information
    7. Retention of your information
    8. Information Security
    9. Your Information Rights
    10. Direct Marketing
    11. Automated Decisions
    12. Complaints
    13. Contact us
    14. Changes to this Statement

    1. Introduction

    This Privacy Statement ("Statement") explains how Bluedrop Services (NW) Ltd ("Bluedrop Services") collect, use and disclose your personal information, including the categories of personal information we process and the purposes for which we use it. Throughout this Statement, Bluedrop Services may be referred to as "we", "us", "our" or "Bluedrop Services".

    This Statement applies to any personal information you provide to Bluedrop Services and any personal information we collect when you contact us, visit or use our website, visit our locations, attend our events or seminars, request a service from us or use other services that refer to or link to this Statement (each, a "Service"). The personal information we collect varies depending upon the nature of the Services we provide and how you interact with us. This Statement may be supplemented by additional privacy statements, terms or notices relevant to the applicable Services.

    This Statement does not apply to your use of any third-party sites linked to from our websites or Services.

    2. Collecting your information

    2.1 Types of information we collect

    The personal information we collect varies depending upon the nature of our Services. Where we collect sensitive personal information (such as special category or criminal offence data), this information is only collected where strictly relevant to the Services we provide and is done in accordance with applicable law.

    The information we collect about you may include the following:

    a. Contact details: such as your name, email, postal address, social media handle, and phone number;

    b. Unique identifiers: such as Passport Number, National ID, National Insurance Number or pension scheme reference number;

    c. Demographic details: such as your date of birth, age, gender, race, photo, marital status, lifestyle, and insurance requirements;

    d. Employment information: such as job title, employee number, employment status, salary, employment benefits, and employment history, qualifications and affiliations;

    e. Health information: such as medical records, health status and medical assessment outcomes;

    f. Financial information: such as credit history and bankruptcy status, salary, tax code, third-party deductions, bonus payments, benefits and entitlement data, national insurance contributions details;

    g. Claims details: such as information about any claims concerning your or your employer's insurance policy;

    h. Marketing and communications preferences: such as interests and preferred language;

    i. Online information: such as computer, device and connection information (e.g. IP address, browser type, operating system, unique device identifier), usage data collected when visiting our websites, device location information;

    j. Events information: such as information about your interest in and attendance at our events, including provision of feedback forms;

    k. Background checking information: such as inclusion on a sanctions list or a public list of disqualified directors, the existence of previous or alleged criminal offences, or confirmation of clean criminal records, information in relation to politically exposed persons ("PEPs");

    l. Comments, feedback or other information provided to us: such as social media interactions with our social media presence, comments provided on feedback forms or surveys and questions or information sent to our support services;

    m. Account login credentials: such as username and password, password hints and security information related to a Service we provide;

    n. Payment information: such as credit or debit card number and bank account details;

    o. Driving history, certifications and insurance details: such as driving licence details, the period for which a licence has been held, existing and previous insurance policy details, previous accident and claims history and details of any motoring convictions.

    2.2 Sources of information

    We collect personal information about you in the following ways:

    a. Information you provide directly to us: we collect personal information about you when you or your agent request a Service from us in person or via telephone, visit our website, attend a Bluedrop Services event or seminar, apply for a position at Bluedrop Services and/or through your use of our Services, your comments/feedback or communicate directly with us.

    b. Information from your organisation: we may obtain personal information about you from the organisation with which you are employed or affiliated, in order to provide Services to them and/or manage your access to and use of the organisation's Service.

    c. Information we collect automatically: we may collect certain types of information about you automatically when you use our Services, visit our website or communicate with us online or through the e-mails that we may exchange. We may collect this information through the use of "cookies" or similar technologies such as web beacons, gif or pixel tags or other unique identifiers to measure online activity, provide more relevant advertising or analyse the effectiveness of communications or our promotional campaigns. Further information about our use of cookies can be found in our Cookie Notice whilst you can manage these small files yourself and learn more about them by visiting www.direct.gov.uk/managingcookies.

    d. Information from third parties: we may collect personal information about you from other third parties, such as recruitment agencies, insurers, underwriters, reinsurers, credit reference agencies, medical professionals, government bodies, claimants, sponsors, joint venture entities or business partners, as well as vetting and data validation agencies and other professional advisory service providers.

    2.3 Impact of failing to provide information

    You are required to provide any personal information we reasonably require (in a form acceptable to us) to meet our obligations in connection with the Services we provide to you, including any legal and regulatory obligations. Where you fail to provide or delay in providing information, we reasonably require to fulfil these obligations, we may be unable to offer the Services to you and/or we/insurers may terminate the Services provided with immediate effect.

    2.4 Information you provide relating to third parties

    Where you provide personal information to Bluedrop Services about third-party individuals (e.g. information about your spouse, civil partner, child(ren), dependents, emergency contacts or other individuals you represent as part of your business), where appropriate, you should provide these individuals with a copy of this Statement beforehand or ensure they are otherwise made aware of how their information will be used by us. Where you provide information to us about your business partners, customers or beneficiaries, we may require you to provide explicit consent on their behalf.

    2.5 Information relating to children

    Our Services are not directed to children, and we do not knowingly collect personal information from children. Certain products/service solutions may require the processing of data related to children, such as their date of birth, address, and other identifiable information. This information is not collected directly from children, but from other parties such as from our client, the carrier, or directly from you as the parent or guardian of the child (e.g., so that the child may be insured under an insurance policy).

    3. Processing your information

    We will use the information we collect about you in connection with the Services to:

    a. offer, administer and manage the Services provided to you, including providing initial and renewal quotations and client care information;

    b. carry out due diligence, identity, credit reference, bankruptcy, sanctions, data validation, anti-money laundering, "Know Your Customer" and other business acceptance, vetting and risk management agency checks;

    c. evaluate risks relating to your or your organisation's prospective or existing insurance policy;

    d. process payments, including your payments for the insurance premium and any mid-term adjustments;

    e. administer, investigate and settle claims or complaints in relation to insurance policies and/or the Services provided;

    f. facilitate the prevention, detection and investigation of crime and the apprehension or prosecution of offenders;

    g. enforce our agreements, trace debtors and recover any outstanding debt in connection with the Services provided;

    h. fulfil legal and regulatory obligations, resolve disputes and monitor compliance with the same;

    i. transfer books of business to successors of the business in the event of a sale or reorganisation, including the planning and due diligence purposes both prior to closing and after a transaction has closed;

    j. process applications for employment and inform recruitment decisions taken about appointments and new hires;

    k. perform analytics for risk modelling purposes and to analyse trends;

    l. conduct market research and canvass your views about the Services and to develop and improve our products and Service offerings generally;

    m. offer other products and Services that may be of interest to our clients, prospective clients and individual representatives of our corporate clients, including sending newsletters, know-how, promotional material and other communications;

    n. communicate with you and to respond to your requests, inquiries, comments and concerns;

    o. research, audit, reporting and other business operations purposes, including determining the effectiveness of our promotional campaigns and evaluating business performance;

    p. perform benchmarking, modelling, market research and data analysis associated with the development of new and existing processes, products and Services; and

    q. invite you to events or seminars, including arranging and administering those events.

    We rely on the following legal grounds to collect and use your personal information:

    a. Performance of the service contract

    Where we offer Services or enter into a contract with you to provide Services, we will collect and use your personal information where necessary to enable us to take steps to offer you the services, process your acceptance of the offer and fulfil our obligations in the contract with you.

    b. Legal and regulatory obligations

    The collection and use of some aspects of your personal information is necessary to enable us to meet our legal and regulatory obligations. For example, Bluedrop Services is licensed and regulated by certain industry regulators and is required to provide some services in accordance with relevant regulatory rules.

    c. Preventing and detecting fraud

    We will use your personal information, including information relating to criminal convictions or alleged offences to prevent and detect fraud, other financial crime, and crime generally in the insurance and financial services industry.

    d. Legitimate interests

    The collection and use of some aspects of your personal information is necessary to enable us to pursue our legitimate commercial interests.

    For example, we have legitimate interests in:

    • providing professional Services across our product lines;
    • operating our business, and managing and developing our relationships with clients, suppliers and with you;
    • understanding and responding to inquiries;
    • receiving information from third parties and Bluedrop Services affiliates to provide services;
    • sharing data in connection with mergers and acquisitions and transfers of business;
    • improving our Services; and
    • understanding how you and our clients use our Services and websites.

    Where we rely on this legal basis to collect and use your personal information, we shall take appropriate steps to ensure the processing does not infringe the rights and freedoms conferred to you under the applicable data privacy laws.

    e. Consent

    We rely on your consent to collect and use personal information concerning any criminal convictions or alleged offences, specifically for the purpose of assessing risks relating to your prospective or existing insurance policy. We may also share this information with other insurance market participants and third parties where necessary to offer, administer and manage the Services provided to you, such as insurers and insurance underwriters and vetting agencies.

    Where we rely on your consent to collect and use your information, you are not obliged to provide your consent and you may choose to subsequently withdraw your consent at any stage once provided. However, where you refuse to provide information that we reasonably require to provide the Services, we may be unable to offer you the Services and/or we may terminate the Services provided with immediate effect.

    Where you choose to receive the Services from us you agree to the collection and use of your personal information in the way we describe in this section of this Statement. You also agree that such information may be collected and used for the above purpose by the insurance underwriter named in your insurance policy documentation. You should refer to the insurer's privacy notice on their website for further information about their privacy practices.

    f. Substantial public interest

    If applicable law allows, we may collect and use your information for a substantial public interest. For example, to prevent or detect unlawful acts or in public health.

    5. Accuracy of your information

    We rely on the availability of accurate personal information in order to provide the Services to you and operate our business. You should therefore notify us of any changes to your personal information, particularly changes concerning your contact details, bank account details, insurance policy details or any other information that may affect the proper management and administration of your insurance policy and/or the services provided to you.

    6. Recipients of your information

    We generally share your personal information with the following categories of recipients where necessary to offer, administer and manage the Services provided to you:

    a. within Bluedrop Services: we may share your personal information with other Bluedrop Services entities, brands, divisions, and subsidiaries for the processing purposes outlined in this Statement;

    b. insurance market participants: where necessary to offer, administer and manage the Services provided to you, such as insurers, insurance underwriters and intermediaries. The insurance underwriter is the insurer that is underwriting your insurance statement and is named in your policy documentation. You should refer to the insurer's privacy notice on their website for further information about their privacy practices;

    c. vetting and risk management agencies: such as credit reference, criminal record, fraud prevention, data validation and other professional advisory agencies, where necessary to prevent and detect fraud in the insurance industry and take steps to assess the risk in relation to prospective or existing insurance policies and/or the Services;

    d. legal advisers, loss adjusters, and claims investigators: where necessary to investigate, exercise or defend legal claims, insurance claims or other claims of a similar nature;

    e. medical professionals: e.g. where you provide health information in connection with a claim against your insurance policy;

    f. law enforcement bodies: where necessary to facilitate the prevention or detection of crime or the apprehension or prosecution of offenders;

    g. public authorities, regulators and government bodies: where necessary for us to comply with our legal and regulatory obligations;

    h. third party suppliers: where we outsource our processing operations to suppliers that process personal information on our behalf. These processing operations shall remain under our control and will be carried out in accordance with our security standards and strict instructions;

    i. successors of the business: where Bluedrop Services or the Services are sold to, acquired by or merged with another organisation, in whole or in part. Where personal information is shared in these circumstances it will continue to be used in accordance with this Statement;

    j. business partners: such as joint venture entities, sponsors and/or other third-party business partners who collaborate or co-operate with Bluedrop Services on projects, events, products or Services. You should refer to their privacy notices for more information about their privacy practices; and

    k. internal and external auditors: where necessary for the conduct of company audits or to investigate a complaint or security threat.

    7. Retention of your information

    We retain appropriate records of your personal information to operate our business and comply with our legal and regulatory obligations. These records are retained for predefined retention periods (minimum 6 (six) years) that may extend beyond the period for which we provide the Services to you. In most cases we shall retain your personal information for no longer than is required under the applicable laws. We have implemented appropriate measures to ensure your personal information is securely destroyed in a timely and consistent manner when no longer required.

    8. Information Security

    The security of your personal information is important to us, and we have implemented appropriate security measures to protect the confidentiality, integrity and availability of the personal information we collect about you and ensure that such information is processed in accordance with applicable data privacy laws.

    All data retained by Bluedrop Services, whether electronic or in hard media, is stored within the UK.

    9. Your Information Rights

    9.1 You have the following rights under applicable data privacy laws in respect of any personal information we collect and use about you:

    a. Right to access: a right to access (also known as a Subject Access Request – SAR) and inspect your personal information or be provided with a permanent copy of the information being held about you;

    b. Right to correction: a right to request the correction of your personal information or in cases where the accuracy of information is disputed, to supplement the information to give notice that you dispute its accuracy;

    c. Right to erasure: a right to request the erasure of your personal information, particularly where the continued use of the information is no longer necessary;

    d. Right to object to processing: a right to object to the use of your personal information, particularly where you feel there are no longer sufficient legitimate grounds for us to continue processing the information;

    e. Right to object to direct marketing: a right to object to the use of your personal information for direct marketing purposes. See Section 11 below for further information;

    f. Right to restrict processing: a right to request the restriction of your personal information from further use, e.g. where the accuracy of the information is disputed, and you request that the information not be used until its accuracy is confirmed;

    g. Right to portability: The right to request that some aspects of your personal information be provided to you or a third party of your choice in electronic form to enable its reuse;

    h. Right to object to automated decision making: a right to object to decisions involving the use of your personal information, which have been taken solely by automated means. See Section 12 below for further information;

    i. Right to lodge a complaint with a regulator: a right to complain to the relevant data protection regulator about our processing of your personal information. See Section 13 below for further information.

    9.2 Exercising your rights: To revise your consent, access, amend or delete your records you should contact the Data Protection Officer, Carl Musgrave;-

    Telephone: 01706 658 587

    Email: [email protected]

    9.3 It is important to note, however, that some of the rights described above in Section 10.1 can only be exercised in certain circumstances. If we are unable to fulfil a request from you to exercise one of your rights under applicable data privacy laws, we will write to you to explain the reason for refusal. Where required, further information concerning these rights and their application can be obtained by contacting us.

    10. Direct Marketing

    We will use your personal information to send you direct marketing about other products and services that we feel may be of interest to you. We will give you the opportunity to refuse direct marketing (unsubscribe) at the point that you apply or register to receive the services and, on each occasion, thereafter that you receive direct marketing communications from us. You can also change your marketing preferences at any stage by contacting us. Please note that, even if you opt out of receiving direct marketing communications, we may still send you service-related communications where necessary.

    11. Automated Decisions

    Where you apply or register to receive a Service, we may carry out a real-time automated assessment to determine whether you are eligible to receive the Service. An automated assessment is an assessment carried out automatically using technological means (e.g., computer systems) without human involvement. This assessment will analyse your personal information and comprise several checks, e.g., credit history and bankruptcy check, validation of your driving licence and motoring convictions, validation of your previous claims history and other fraud prevention checks. Where your application to receive the Service does not appear to meet the eligible criteria, it may be automatically refused, and you will receive notification of this during the application process. However, where a decision is taken solely by automated means involving the use of your personal information, you have the right to challenge the decision and ask us to reconsider the matter, with human intervention. If you wish to exercise this right, you should contact us.

    12. Complaints

    12.1 If you wish to make a complaint about the way we use your personal information you should raise this with us by contacting us using the details set out in Section 14 below.

    12.2 If you are not satisfied with the way we have handled your complaint you have the right to raise the matter with the relevant data protection regulator in your country.

    13. Contact us

    If you have any questions about the content of this Statement or the rights conferred to you under the applicable data privacy laws, you should contact us at the following address:

    Bluedrop Services
    Unit 4 Flanders Road
    1st Floor West Wing
    Royal London Park
    Hedge End
    SO30 2LG

    Tel: 01489 772 510

    Email: [email protected]

    14. Changes to this Statement

    This Statement is not contractual, and Bluedrop Services reserves the right to reasonably amend it from time to time to ensure it continues to accurately reflect the way that we collect and use personal information about you. Any updates or changes to this Statement will be made available to you. You should periodically review this Statement to ensure you understand how we collect and use your personal information.

    This Statement was last updated on 26th September 2023.

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