This Privacy Notice (“Notice”) explains how Claims Portal Ltd collects and uses personal data in connection with this website. Throughout this Notice Claims Portal Ltd may be referred to as “we”, “us” or “our” .
Claims Portal is the data controller responsible for the personal data collected about you in connection with this website.
2. Information We Collect About You
The personal data we collect and use in connection with this website may include:
- contact details, such as your name, email address , national insurance number telephone number;
- other personal details, such as your employment information, date of birth and vehicle information;
- health related data, such as details relating to injuries;
- Details of suspected or proven offences;
- Supporting evidence such as photographs to assist with processing of a claim; and
- technical information, such as information about your device IP address, browser configuration, geolocation and other technical information about how you interact with specific pages on our website.
3. How We Collect Your Information
3.1 We may collect personal data from you directly when you interact with or use our website or where you choose to correspond with us in connection with our products and services.
3.2 You are required to provide any personal data we reasonably require to enable us to meet our obligations in connection with the services we provide to you, including any statutory or contractual obligations. Where you are unable to provide us with personal data we reasonably require to meet our obligations, we may be unable to offer services to you and we may have to terminate any existing services with immediate effect.
3.3 Where you provide personal data about other third-party individuals, such as your spouse, civil partner, children, dependants or emergency contacts, where appropriate, you should direct these individuals to this Notice to ensure they understand how we collect and use their personal data.
3.4 In addition to collecting personal data from you directly, we may also collect information about you from other third parties, such as Authorised Users (Claimant Representatives/ Compensators) . This information may be sourced prior to or whilst we are making arrangements to provide the services to you.
4. How We Use Your Information
The personal data we collect in connection with this website is used for the following purposes:
- to offer and administer the services we provide to you, including administering our customer records and notifying you of changes and updates to our services;
- to investigate, administer and settle insurance claims;
- to carry out, credit and due diligence checks during the registration process
- to administer and protect the portal, by ensuring those accessing the portal are permitted to do so and that the portal is being used appropriately;
- to check on an ongoing basis that you are complaint with the General Conditions of use for the portal users agreement and any other legal or regulatory requirements;
- to prevent, detect and investigate fraud or other criminal conduct;
- to analyse and determine the level of engagement with our website and whether the communications that we send to customers are relevant, e.g. we may analyse your browsing behaviours and whether or not you open the communications that we send you;
- to comply with our legal obligations; and
- to produce Management information (MI) to provide high level information on the claims processes and users use of the portal.
5. Legal bases for Processing Your Information
5.1 We rely on the following legal bases to collect and use your personal data.
- To pursue our legitimate interests or a third party's legitimate interests to provide the services in the most appropriate way. This means that we will process and share your personal data to carry out some ancillary activities in connection with the services you have requested, such as performing identity and due diligence checks, monitoring communications for training and quality purposes, identity verification, claims investigation and administration, fraud and crime prevention, research and management information to identify trends and to assist resource allocation, business administration and debt administration and recovery of losses from liable parties.
- To comply with our legal obligations. This means that we will process and share your personal data where we are subject to laws that require us to do so.
- To fulfil our obligations in connection with any contract that we may have with you or take appropriate steps prior to entering into a contract with you. This means that we will process and share your personal data to provide any services you have requested and fulfil our contractual obligations, including responding to any prospective enquiries that you make about our services.
5.2 We rely on the following condition to process special category personal data:
- For an insurance purpose- this includes advising on, arranging, underwriting or administering an insurance contract, administering a claim under an insurance contract or exercising a right, or complying with an obligation, arising in connection with an insurance contract.
6. Who We Share Your Information With
We generally share the personal data we collect on our website with the following recipients:
- subsidiary companies within the group, where necessary to provide or administer our services;
- third party service providers and partners that process personal data on our behalf, where necessary to provide or administer our services. These processing operations will be carried out under our strict instructions and control;
- insurance market participants, such as insurers;
- legal advisors and claims investigators, where necessary to exercise, investigate or defend legal claims, insurance claims or other similar claims;
- law enforcement bodies and other authorities, e.g. where necessary for the prevention and detection of crime or the apprehension or prosecution of offenders;
- Ombudsmen and regulatory authorities;
- Courts and tribunals;
- government departments, such as the Driver and Vehicle Licensing Agency and the Driver and Vehicle Agency Northern Ireland, to find out if a driver is insured or not;
- successors of our business, where our business is sold to, acquired by or merged with another organisation, in whole or in part;
- other third parties, e.g. where necessary to comply with our legal obligations, at the request of a public authority conducting an investigation, to obtain legal advice or where we believe in good faith the law requires us to disclose information;
- fraud prevention agencies and organisations such as the Insurance Fraud Bureau; and
- MedCo Registration Solutions Limited.
7. Accuracy of Your Information
We rely on the availability of accurate personal data to enable us to provide the services to you and operate our business. You should therefore notify us of any changes to your personal data that may affect the proper management and administration of the services we provide to you.
8. Overseas Transfers of Your Information
Although we are established in the UK, sometimes it may be necessary to transfer your personal data to other countries outside the UK or European Economic Area. Where we do so we will ensure that suitable safeguards are in place to protect the rights conferred to you under the applicable data protection laws. For example, where necessary we will put in place contractual agreements approved by the UK or European data protection authorities to ensure an adequate level of protection for the personal data.
9. Retention of Your Information
We retain appropriate records of your personal data to comply with our legal obligations. These may be removed after 30 days. This includes claims that have ended or timed out, settled, reached court proceedings or where either party has decided to take the claim out of the process for the Exit process.
For the retention periods of claims and accounts held on the Portal system on the Rapid Settlement Claims database, please refer to the Claims Portal Data Retention Policy for more information.
10. Your Information Rights
You have the following rights in relation to the personal data we hold about you.
- The right to access and inspect your personal data or be provided with a permanent copy of the information we hold about you.
- The right to request inaccurate personal data about you is rectified, particularly if it is factually inaccurate.
- The right to request your personal data is erased in certain circumstances, e.g. if it is no longer necessary for us to retain the information.
- The right to object to the use of your personal data, particularly where you feel there are no longer sufficient grounds for us to continue processing the information or we rely on the legitimate interests lawful basis to carry out the processing.
- The right to request the restriction of your personal data from further processing, e.g. where the personal data is inaccurate and you request the restriction of the information until it is corrected.
- The right to request that some aspects of your personal data be provided to you or a third party of your choice in electronic form to enable its reuse.
- The right to refuse direct marketing communications or ask to stop sending you direct marketing communications.
- The right to withdraw your consent, where you have previously given your consent for us to collect and process your personal data.
- The right to object to a decision which is based solely on automated processing and which creates legal or other significant effects.
- The right to complain to the data protection supervisory authority if you have concerns about the way we collect and use your personal data.
Please note that some of the rights described above may be limited in certain circumstances, such as where exemptions or legal obligations apply or there is an overriding legitimate interest in continuing to process the personal data. If we are unable to fulfil a request from you to exercise one of the above rights, we will contact you to explain the reason for our refusal. If you wish to exercise your rights or have concerns about the way we collect and process your personal data please contact us at: firstname.lastname@example.org.
12. Service Complaints
If you wish to make a complaint or enquire about any aspect of the services we provide, please contact us at:
Claims Portal Ltd
Linford Wood House
6-12 Capital Drive
13. Data Protection Complaints
If you wish to make a complaint about the way we use your personal data you should contact us in the first instance at:
Data Protection Officer
Motor Insurers Bureau
Linford Wood House
6-12 Capital Drive
If you are not satisfied with the way we have handled your data protection complaint you may refer your complaint to the UK data protection supervisory authority at:
Information Commissioner's Office
14. Changes to this Notice
We will update this Notice from time to time to ensure it continues to reflect the way we collect and use your personal data. Any changes to this Notice will be posted here and notified to you via email and such changes will become effective as soon as they are posted. You should therefore periodically review this notice to ensure you understand how we collect and use your personal data.