This privacy policy outlines how we collect, use, store, and disclose your personal information in accordance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and other applicable data protection laws.

What Information We Collect

We may collect personal information about you in the following ways:

1. Information you provide:

   When you contact us whether through our website, or by email, phone, or post, or some other means, you may provide personal information such as your name, address, email address, phone number, and other contact details. Information may also be provided by or on your behalf by your insurance broker or your professional advisors.

2. Information we collect automatically:

   When you visit our website, we may collect technical information such as your IP address, browser type, and usage data through cookies and similar technologies. For more details, please refer to our Cookie Policy.

How We Use Your Information

We will only use your personal data where the law allows us to do so. For example, we may use your personal data to:

• provide you with information or services you have requested from us

• perform our contractual obligations with you

• comply with legal obligations

• pursue legitimate interests, such as in our underwriting and issuance of policies, sanctions, AML and KYC checks, claims handling, business development and optimisation, notices and communications with you.

We will not use your personal data for marketing purposes unless you have given your explicit consent to do so.

How We Store and Protect Your Data

We take data protection and privacy seriously. We store your personal data securely using appropriate technical and organizational measures to protect it from unauthorized access, alteration or loss.

We will retain your data only for as long as necessary to fulfil the purposes we collected it for, including any legal, accounting or reporting requirements.

Sharing Your Data

We may share your personal information with third parties, including:

• Insurers, reinsurers, or other organizations that assist in providing the products and services we offer.

• Regulatory authorities, where required by law, such as the Financial Conduct Authority (FCA).

• Professional advisors such as lawyers, accountants, or auditors, to comply with our legal obligations.

We will not sell or rent your personal information to third parties for their marketing purposes.

Your Data Rights

Under data protection law, you have the following rights in relation to your personal data:

• Right to Access: You can request a copy of the personal data we hold about you.

• Right to Rectification: You have the right to request the correction of inaccurate personal data.

• Right to Erasure: You may request the deletion of your personal data where there is no compelling reason for its continued processing.

• Right to Restrict Processing: You can request that we limit the processing of your personal data in certain circumstances.

• Right to Data Portability: You have the right to request the transfer of your data to another party.

• Right to Object: You can object to the processing of your personal data in certain situations, such as for direct marketing.

• If you wish to exercise any of these rights, or have any other enquiries, please contact us here.

For further information on data protection please visit the Information Commissioner Office (“ICO”) website.

The ICO regulates data protection. If you feel that your data has not been handled correctly, or you are unhappy with our response to any requests you have made to us regarding the use of your personal information, you have the right to lodge a complaint with the ICO.

You can contact the ICO by calling 0303 123 1113 or visit the website at www.ico.org.uk.