Paintseal Europe Ltd (we/us/our) is committed to ensuring your privacy is protected. Our privacy notice sets out the personal information we may collect from you and how we may use that information. Please take the opportunity to read this privacy statement as it includes important details. It should be read in conjunction with the separate document ‘Customer Terms of Business Agreement’.
PRIVACY STATEMENT
Paintseal Europe Ltd (we/us/our) is committed to ensuring your privacy is protected. Our privacy notice sets out the personal information we may collect from you and how we may use that information. Please take the opportunity to read this privacy statement as it includes important details. It should be read in conjunction with the separate document ‘Customer Terms of Business Agreement’.
OUR SERVICES
The services of Paintseal Europe Ltd (’PSE’) include the sale of paint and fabric protection products for motor vehicles. PSE trades as Gen-3 insure (‘Gen-3’) for insurance intermediation. Paintseal Europe Ltd is authorised and regulated by the UK Financial Conduct Authority for insurance distribution and credit broking services, Reg number FRN 798161 - we are a credit broker NOT a Lender.
CONTACTING US
Our registered head office address is PSE House, 93-95 Whitby Road, Slough, Berkshire, SL1 3DR.
You can contact us by
Telephone 01753 215311
Email : enquiries@gen-3.co.uk
Post at the address above
To enable us to provide our insurance related services we will collect data about you which means that we are a ‘data controller’ within the meaning of data protection laws with which we have to comply.
HOW WE COLLECT INFORMATION
1. when you provide it to us
2. when your motor dealership provides it to us though our portal
3. when you use our website to obtain a quotation
4. when you contact us by email, telephone or by post
5. if you have a claim
6. if you have a complaint
WHAT INFORMATION WE COLLECT
When you obtain an insurance quotation through your motor dealership or otherwise, we will collect your
Name
Home address including email address
Contact telephone number(s)
Marital status
Vehicle details (make/model/registration number/ date first registered/ value)
Purchase date
Purchase price
VIN
Information obtained through our use of cookies
Information obtained when we carry out checks against sanctions lists
OUR COOKIE POLICY
Once you agree to allow our blog to use cookies, you also agree to use the data it collects regarding your online behaviour (analyse web traffic, webpages you visit and spend the most time on). The data we collect by using cookies is used to customize our blog to your needs. After we use the data for statistical analysis, the data is completely removed from our systems. Please note that cookies don't allow us to gain control of your computer in any way. They are strictly used to monitor which pages you find useful and which you do not so that we can provide a better experience for you. We will not collect special categories of information unless we are requested to do so by our insurance partners. Special information includes details of your medical history and information relating to criminal sanctions (including offences and alleged offences and any caution court sentence or criminal conviction]. You are reminded however, to answer any questions asked by your insurer as accurately and completely as possible otherwise claims might be prejudiced.
WHY WE NEED TO COLLECT IT
Insurance pricing and policies are based on a range of underwriting factors. Insurers are entitled to a fair presentation of the risk.
COMPLAINANTS AND THEIR REPRESENTATIVES
We process data about your complaint as this necessary for us to handle your complaint effectively and to ensure that all complaints are handled efficiently and fairly.
HOW WE USE AND PROCESS YOUR INFORMATION
We use your information for administrative and business purposes. For each purpose we must have legal grounds for processing and we will rely on the following:
· we need to use your personal information to enter into or perform our contract with you for example in order to place your insurance cover. We need your personal information to provide you with a quotation.
· we have legitimate business interests to use your personal information such as maintaining our business records and keeping records of insurance policies we place should you need, for example, to make a claim. When using your personal information for these purposes, we have considered your rights and ensured that our business need does not cause you harm.
· we have a legal or regulatory obligation to use your personal information. For example, regulators impose certain record-keeping rules which we must adhere to.
Different ways we use your personal information and the legal grounds we rely on when doing so
WHO WE WILL SHARE YOUR PERSONAL INFORMATION WITH
We may share your personal information with the following third parties for the purposes we have set out
· our insurance partners such as wholesale insurance brokers, managing general agencies and other insurers who act as insurance distributors
· other third parties who assist in the administration of insurance policies such as accountants, auditors, lawyers, and other experts and motor dealerships
· fraud detection agencies and other third parties who operate and maintain fraud detection register's
· our regulators
· credit reference agencies
· third party services providers such as IT suppliers, finance and payment providers, document management providers, outsourced invoicing and insurance software providers
· our claims management partners.
· if you have a complaint, we will use your personal data to fulfil our reporting obligations to regulators, ombudsmen and other external dispute resolution services in order to fulfil our legal or regulatory obligations. In addition, we will share your data with wholesale brokers, underwriters, insurers or TPA that is involved in dealing with your complaint.
We will not knowingly sell your information to unconnected third parties or third party organisations. We do not anticipate any need to send your personal information abroad. We will only transfer your information outside the European Economic Area if we are required to do so by law. Some of our insurance partners might be based outside the European Economic Area but we have no control over the transfer of that information by them.
HOW WE STORE YOUR INFORMATION
Your information is stored on secure servers. Encrypting transfers of data to or from our servers with RSA Encryption. Technology encrypting payments made on our websites use Opayo which meets Payment Card Industry Data (PCI DSS) compliance. No card data is held except within this fully compliant system. Where we grant access to Customer specific data 2FA authentication is used.
HOW WE SECURE YOUR INFORMATION
Data is also held on a cloud secure system. The data is encrypted with password protection for Gen-3personnel internal access only. In addition, this data is restricted to personnel who have the responsibility to handle the data.
HOW LONG WE RETAIN YOUR INFORMATION
We retain your information for no longer than necessary considering any legal or regulatory obligations we have. For example, our regulators require us to keep records for certain periods. Some of our policies have a period of insurance of up to four years. We will only retain your information for as longas it is necessary to perform our contract with you or to satisfy our legitimate business interests.
USE OF AUTOMATED DECISION MAKING AND PROFILING
We do not use automated decision making or profiling technology.
YOUR RIGHTS IN RELATION TO YOUR PERSONAL INFORMATION
Under data protection law you have the right to make certain requests in relation to the personal information we hold about you. We will not usually make a charge for dealing with these requests unless we consider that it will take an extended amount of time for us to comply with your request. If you wish to exercise these rights at any time, please contact us using the details set out in the contacting us section. There maybe times when we may not be able to comply with your request, for example where this conflicts with our obligations to our regulator and /or there is a legal requirement. Should we not be able to comply with your request we will tell you the reason why. We will always respond to any request you make. There may also be circumstances where exercising some of these rights (such as the right to erasure and the right to withdraw consent) will mean your insurance can no longer be provided and it may result in the cancellation of your policy. In those circumstances you will lose the right to bring any claim including in relation to any events that occurred before you exercised your right of erasure. Your policy terms and conditions set out what will happen in the event your policy cancelled.
The right to access your personal information
You are entitled to a copy of the personal information we hold about you and certain details about how we use it.
The right to rectification
We take reasonable steps to ensure that the information we hold about you is accurate and complete. Should you have reason to believe that the information we hold is inaccurate you can ask us to amend or update it.
he right to restriction of processing
In certain circumstances, you are entitled to ask us to stop using your personal information, for example where you think that we no longer need to use your personal information or where you think that the personal information we hold about you might be incorrect.
The right to data portability
You have the right in certain circumstances to ask that we transfer personal information that you have provided to us to another third party of your choice.
The right to withdraw consent to the use of your information
We will ask for your consent for certain uses of your personal information. Where we do this you have the right to withdraw your consent to further use of your personal information.
The right to complain to a supervisory authority
We encourage you to contact us should you have any concerns about how we use your personal information. We will do our best to resolve your concerns. Where you feel that we have not properly addressed your concerns please contact our data protection officer using the details in the contact us section. If we believe that any use of your personal information by us is in breach of data protection laws and or regulations, you have the right to complain to the Information Commissioners Office -website: http:// ico.org.uk.
AUTOMATED PROCESSING AND PROFILING
When calculating insurance premiums our insurance market partners may compare your personal data against industry averages. Your personal data may also be used to create the industry averages going forward. This is known as profiling and is used to ensure premiums reflect risk. Profiling may also be used by our insurance providers to assess information you provide to understand fraud patterns.
Paintseal Europe Ltd is registered in England No. 6014528. Registered office: PSE House, 93-95 Whitby Road, Slough, Berkshire, SL1 3DR