Keith Michaels Privacy Policy
If you use any of our services you will be regarded as having read and accepted this “Privacy Policy”. You must not use out website or our services if you do not accept this privacy policy.
Information Collected
We collect personal information about you when you give this to us in the course of registering for and/or using our Services, for example, in order to obtain comparative quotes for car insurance or when taking part in our online discussion forums. In the course of providing the Services to you, we may also store information about how you use our Website, for example, the pages viewed, the website from which you came to visit our Website, changes you make to information you supply to us, details of the quotes you request.
We collect and store all information lawfully and in accordance with the Data Protection Act 1998 in the UK and the Data Protection Act 1988 and 2003 in Ireland.
Telephone calls that you make to our customer services help line on 0800 542 2141 may be monitored and/or recorded. This will help us to train our staff and improve our service to you.
We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law.
Purposes of using the information
We and other members of Keith Michaels may use your personal information for the following purposes:
- To enable you to access and use the Services; and/or
- To personalise and improve aspects of our overall service to you and our other users, as well as carrying out research such as analysing market trends and customer demographics; and/or
- To communicate with you, including sending you information about products and services which we think may be of interest to you, and sending you annual insurance renewal quotes based on information you previously provided to us if you have requested insurance quotes; and/or
- To process a transaction between you and a third party.
Passing information to third-parties
As part of using our Services you consent to us disclosing your personal information to the following parties:
- Third parties, including but not limited to companies whose products or services are included on our website with a view to providing you with an online quotation for the product and/or service requested by you. When these companies use your data in this way, they will be acting as data controllers of your information and therefore you should view their privacy policies or contact them directly for further information. For further information about these third parties, please contact us at sales@keithmichaels.co.uk.
- Some third parties with which we share your information may use it to carry out research such as analysis of market trends and customer demographics and to customise and develop the product/service which they offer to you or other individuals in the future.
- The Financial Services Authority and/or other regulatory/governing bodies for the purposes of compliance monitoring;
- Selected other third parties whose products, services or other offers we believe may interest you.
- If you use our Services to search for and compare insurance products, the information you provide may be used to carry out certain credit checks through licensed credit-referencing agencies. This is used as part of the underwriting process for some of the insurance providers and a record of this search will be made although this will not adversely affect your credit profile.
Where permitted by data protection and privacy law, we may also disclose information about you, or access your account:
- If required or permitted to do so by law; and/or
- If required to do so by any court, the Financial Services Authority, the Office of Fair Trading or any other applicable regulatory, compliance, Governmental or law enforcement agency; and/or
- If necessary in connection with legal proceedings or potential legal proceedings; and/or
- In connection with the sale or potential sale of all or part of our business or the company.
If we reasonably believe false or inaccurate information has been provided and fraud is suspected, details may be passed to fraud prevention agencies to prevent fraud and money laundering.
Cookies
A cookie is a very small text file placed on your computer. Cookies help us to:
- Understand browsing habits on this Website;
- Understand the number of visitors to this Website and the pages visited; and
- Remember you when you return to this Website so we can provide you with access to previously saved quotes.
Most cookies are deleted as soon as you close your browser, these are known as session cookies. Others, known as persistent cookies, are stored on your computer either until you delete them or they expire. By using this Service, you consent to us using cookies.
You can choose to block or delete cookies through your browser settings. If you decide to block or delete our cookies, you will not be able to benefit from the full range of our Services and this may affect the performance of our website on your system.
Your Rights
You have certain rights under the Data Protection Act 1998. For example, in accordance with the Data Protection Act 1998 we will always let you have a copy of the personal information we have about you, if you request it from us in writing. The law allows us to charge you a £10 fee for a copy of such information and we may do so.
Your Responsibility
You must check and ensure that all information, content, material or data you provide on this Website is correct, complete, accurate and not misleading and that you disclose all relevant facts.
We may also need to collect information from you about other individuals, e.g. additional named drivers if you request a car insurance quotation. As explained in our Terms of Use, by submitting another person’s details you are confirming to us that you have their permission to do so and that they understand how their details will be used.
In order to change your details or opt out of marketing emails and future communications you must make sure you call Keith Michaels and make this request on 0800 542 2141.
