Ansvar : Customers

Ansvar is a specialist insurer of faith, charity and household risks and offers its products to churches and connected organisations, charities, other voluntary groups and individuals and their families.

Providing insurance services means that we need to collect and process data so that we can provide you with a quote, insurance and where relevant, handle any claims or complaints that might arise. This makes us a “data controller”.

If you are unsure about who the data controller of your personal information is, you can also contact us at any time by e-mailing us at compliance@ansvar.co.uk or by writing to the Data Protection Officer, Ansvar Insurance, Benefact House, 2000 Pioneer Avenue, Gloucester Business Park, Brockworth, Gloucester, GL3 4AW, United Kingdom

Insurance involves the use and disclosure of your personal data by various insurance market participants such as intermediaries, insurers and reinsurers. The London Insurance Market Core Uses Information Notice sets out those core necessary personal data uses and disclosures. Our core uses and disclosures are consistent with the London Market Core Uses Information Notice. We recommend you review this notice.

Depending on our relationship with you (for example if you are a policyholder, individual named on a policy, claimant, witness, a third party pursued for a recovery, broker or third party) we will collect different types of personal information about you and use it for different purposes.

From time to time we may ask you to provide or we may receive your “sensitive personal information” otherwise known in data protection laws as “special categories of personal information” (which is information relating to your health, criminal convictions, sex life, sexual orientation, racial or ethnic origin, political opinions, religious or philosophical beliefs, and trade union membership). For example if you apply for travel insurance we may need information about your pre-existing health conditions or, if you are a named individual under a church insurance policy such as a Bishop, the religious denomination of the church may automatically reveal your religious beliefs. In these circumstances we would use your sensitive personal information to provide a quote and the insurance policy and to process any claims you make. We may also need details of any unspent criminal convictions you have for fraud prevention purposes. If you are a third party against whom we are seeking a recovery as part of our right to subrogation, we may have details of your criminal convictions where it relates to a claim under an Ansvar insurance policy.

Where you provide personal information to us about other individuals (for example members of your church, or your household where we are providing financial advice) we will also be data controller of and responsible for their personal information. You should refer them to this notice.

We have structured this notice so that you only have to click on the section below that is relevant to you and reflects your relationship with us.

3.1 Prospective policyholder or beneficiary under an insurance policy

If you apply for an insurance policy with us (for example home insurance policy), or someone applies for a policy which will cover you or list you as a named beneficiary (for example a clergy member under a church legal expenses insurance policy) this section will be applicable to you and will provide key information about how we use your personal information.

3.3.1 What personal information will we collect?

• Your name and title, address, telephone numbers and email addresses, date of birth and gender.
• Where you are not the person applying for insurance, your relationship or connection to the prospective policyholder.
• Identity documents such as passport, driving licence and national insurance number.
• Employment status and related information such as job title, employment history and education.
• Information which is related to your insurance application including:
  • details about previous insurance policies you have held and any previous claims you have made;
  • details about your family such as dependents or spouses; and
  • policy specific information. For example if you are applying for home insurance we will need information about your property and possessions or where you are applying for an art and private client policy, we will need information about your art collection.

• Financial information including:
  • your bank account and payment details;
  • details about your income; and
  • information obtained from checking sanctions lists and credit checks such as bankruptcy orders, individual voluntary arrangements, office disqualifications or county court judgments.
• Information which is available publicly such as via internet search engines.

3.1.2. What sensitive personal information will we collect?

• Information about your physical and mental health if relevant to your insurance application (for example where you apply for a travel policy you may need to disclose pre-existing medical conditions).
• Information about any criminal offences you have been convicted for and any related information including about any offences or alleged offences you have committed or any court sentences which you are subject to.
• We may also collect information because it is relevant to your application, which reveals or is likely to reveal your race or ethnicity, religious or philosophical beliefs; political opinions; trade union membership; or data concerning your sex life or sexual orientation. For example, where you disclose that you are a clergy member at an Anglican Church, this will automatically reveal your religious beliefs.

3.1.3. How will we collect your personal information?

Directly from you:

• when you apply for a policy;
• when we provide you with a quotation; and
• during any communications we have, such as by telephone or email or when you make a general enquiry.

We will also collect your personal information from:

• The prospective policyholder where you are a beneficiary.
• Third parties who we rely on to administer insurance such as brokers, insurers and our own business partners.
• Third parties who provide sanctions checking services.
• Financial crime and fraud detection agencies and other third parties who operate and maintain fraud detection registers and third parties we use to carry out credit checks.
• Other companies in the Benefact Group.
• Public sources such as court judgments, insolvency registers, internet search engines, and directories of Anglican ministers.

3.1.4 What will we use your personal information for?

We use your information in a number of different ways, depending on your particular circumstances. For every use, we must be able to demonstrate that there is a “legal ground” to do so. When using your “personal information”, we will rely on the “legal grounds” set out below:

• We need to use your personal information to enter into or perform the insurance contract that you have applied for. We will rely on this legal ground for all activities that are connected to your application and without using your personal information we would be unable to do, such as assessing your application against our own risk appetite and providing you with a quote.
• We have a legal or regulatory obligation to use your personal information. We have a legal obligation to carry out anti-money laundering checks. Our regulators require us to maintain records of all dealings with you and to comply with our regulatory reporting requirements we may need to send your personal information to our regulators.
• We have a business need to use your personal information. Such needs will include keeping business and accounting records, maintaining management information, statistical analysis, developing and testing our systems, analysing our business and improving the services we offer, carrying out strategic reviews of our business models and will cover all activities which are needed to carry out everyday business activities. When relying on this legal ground, we are under a duty to assess your rights and to ensure that we do not use your information unless we can demonstrate a legitimate business need.

When we use your “sensitive personal information” (such as information about your health, religion or criminal offences), we need to have an additional “legal ground”. When using your “sensitive personal information”, we will rely on the “legal grounds” set out below:

• We have an insurance purpose to use your sensitive personal information and there is a substantial public interest such as assessing your insurance application, arranging or administering a policy and preventing and detecting fraud.
• You have clearly made your sensitive personal information public. For example where you are a Bishop of an Anglican Church and you have made your religious beliefs common knowledge.
• We need to use your sensitive personal information to establish, exercise or defend legal rights. This will be applicable where we are involved in legal proceedings, either against us or where we want to instigate them ourselves.
• You have given your consent.

3.1.5 What are the legal grounds on which we will use your personal information?

3.1.6 Who will we share your personal information with?

We do not share or distribute your personal information other than to the following third parties and only under the limited circumstances we have set out above:

• The policyholder where you are a beneficiary.
• Third parties who we rely on to administer your application such as brokers, insurers and our own business partners.
• Medical screening service providers in relation to travel insurance.
• Third parties who provide sanctions checking services.
• Insurance industry bodies.
• Financial crime and fraud detection agencies and other third parties who operate and maintain fraud detection registers (including the Insurance Fraud Register “IFR” managed by the Insurance Fraud Bureau) and third parties we use to carry out credit checks.
• Other companies in the Benefact Group.
• Service providers we have contracted with including our subcontractors and agents, auditors, our solicitors, actuaries, IT providers and database providers, marketing mailing providers and business suppliers.
• Any third parties in the event of a sale, merger, reorganisation, transfer or dissolution of our business.
• The Financial Conduct Authority and the Prudential Regulation Authority who are our regulators.
• Law enforcement agencies such as the police, HMRC and taxation authorities.
• Our own insurers and companies who we have appointed to assist with arranging our insurance.

3.2 Policyholder or beneficiary under an insurance policy

If you have an insurance policy with us (for example home insurance policy), if the policy covers you or if you are a named individual under an insurance policy with us (for example a clergy member under a church legal expenses insurance policy) this section will be applicable to you and will provide key information about how we use your personal information.

3.2.1 What personal information will we collect?

• Your name and title, address, telephone numbers and email addresses, date of birth and gender.
• Where you are not the policyholder, your relationship or connection to the policyholder.
• Identity documents such as passport, driving licence and national insurance number.
• Employment status and related information such as job title, employment history and education.
• Information which is related to your insurance policy including:
  • details about previous insurance policies you have held and any previous claims you have made;
  • details about your family such as dependents or spouses; and
  • policy specific information. For example if you have home insurance we will need information about your property and possessions or where you hold an art and private client policy, we will need information about your art collection.
• Financial information including:
  • your bank account and payment details;
  • details about your income; and
  • information obtained from checking sanctions lists and credit checks such as bankruptcy orders, individual voluntary arrangements, office disqualifications or county court judgments.
• Information which is relevant to any claims you make under your policy. This could include photographic evidence you provide us with, for example if you make a claim under your travel policy, we will need information about the country you visited.
• Information which is available publicly such as internet search engines and social media where we need to investigate fraudulent claims.
• Security questions and answers to access the Ansvar portal where policy documents can be viewed.

3.2.2 What sensitive personal information will we collect?

• Information about your physical and mental health if relevant to your insurance policy or any claims you make (for example on sickness or accident policies or where you take out a travel policy and make a claim for medical assistance we will need information about the medical conditions suffered. This information may be provided to us in the form of GP reports or medical data such as blood tests).
• Information about any criminal offences you have been convicted for and any related information including about any offences or alleged offences you have committed or any court sentences which you are subject to.
• We may also collect information because it is relevant to your policy or claim, which reveals or is likely to reveal your race or ethnicity, religious or philosophical beliefs; political opinions; trade union membership; or data concerning your sex life or sexual orientation. For example, where we process information about you because you are a clergy member at an Anglican Church, this will automatically reveal your religious beliefs.

3.2.3 How will we collect your personal information?

When you are the policyholder, directly from you:

• when we provide you with a quote;
• when you apply for or renew a policy;
• when you make a claim on your policy; and
• during any communications we have, such as by telephone or email or when you make a complaint or general enquiry.

We will also collect your personal information from:

• The policyholder where you are a beneficiary.
• A third party who has power of attorney over you.
• Third parties who we rely on to administer insurance and handle claims such as brokers, insurers, third party claimants, defendants, witnesses and our own business partners.
• Third parties we (or you) appoint to assist with an insurance policy or claim such as claims handlers, medical experts and medical screening service providers, investigators and loss adjusters.
• Third parties who provide sanctions checking services.
• Insurance industry bodies.
• Financial crime and fraud detection agencies and other third parties who operate and maintain fraud detection registers and third parties we use to carry out credit checks.
• Other companies in the Benefact Group.
• Public sources such as court judgments, insolvency registers, internet search engines, social media where we need to investigate fraudulent claims and directories of Anglican ministers.
• The Financial Conduct Authority and the Prudential Regulation Authority who are our regulators.

3.2.4 What will we use your personal information for?

We use your information in a number of different ways, depending on your particular circumstances. For every use, we must be able to demonstrate that there is a “legal ground” to do so. When using your “personal information”, we will rely on the “legal grounds” set out below:

• We need to use your personal information to enter into or perform the insurance contract that you have taken out with us. We will rely on this legal ground for all activities that are connected to your insurance contract and without using your personal information we would be unable to do, such as providing you with a quote, providing insurance cover, handling claims and responding to complaints.
• We have a legal or regulatory obligation to use your personal information. For example, we have legal obligations to carry out anti-money laundering checks. Our regulators require us to maintain records of all dealings with you and to comply with our regulatory reporting requirements we may need to send your personal information to our regulators.
• We have a business need to use your personal information. Such needs will include keeping business and accounting records, maintaining management information, statistical analysis, developing and testing our systems, analysing our business and improving the services we offer, carrying out strategic reviews of our business models and will cover all activities which are needed to carry out everyday business activities. When relying on this legal ground, we are under a duty to assess your rights and to ensure that we do not use your information unless we can demonstrate a legitimate business need.

When we use your “sensitive personal information” (such as information about your health, religion or criminal offences), we need to have an additional “legal ground”. When using your “sensitive personal information”, we will rely on the “legal grounds” set out below:

• We have an insurance purpose to use your sensitive personal information and there is a substantial public interest such as assessing your insurance application in particular against our own risk appetite, arranging or administering a policy, handling claims and preventing and detecting fraud.
• You have clearly made your sensitive personal information public. For example where you are a Bishop of an Anglican Church and you have made your religious beliefs common knowledge.
• We need to use your sensitive personal information to establish, exercise or defend legal rights. This will be applicable where we are involved in legal proceedings, either against us or where we want to instigate them ourselves or when we are investigating a legal claim that a third party brings against you.
• You have given your consent.

3.2.5 What are the legal grounds on which we will use your personal information?

3.2.6 Who will we share your personal information with?

We do not share or distribute your personal information other than to the following third parties and only under the limited circumstances we have set out above:

• The policyholder where you are a beneficiary.
• A third party who has power of attorney over you.
• Third parties who we rely on to provide insurance and handle claims such as brokers, insurers, third party claimants, defendants, witnesses and our own business partners.
• Third parties we (or you) appoint to assist with an insurance policy or claim such as claims handlers, medical experts and medical screening service providers, surveyors, investigators and loss adjusters.
• Third parties who provide sanctions checking services.
• Insurance industry bodies.
• Financial crime and fraud detection agencies and other third parties who operate and maintain fraud detection registers (including the Claims Underwriting Exchange “CUE” and the Insurance Fraud Register “IFR” managed by the Insurance Fraud Bureau) and third parties we use to carry out credit checks.
• Other companies in the Benefact Group.
• Service providers we have contracted with including our subcontractors and agents, auditors, our solicitors, actuaries, IT providers and database providers, marketing mailing providers and business suppliers.
• Any third parties in the event of a sale, merger, reorganisation, transfer or dissolution of our business.
• The Financial Conduct Authority and the Prudential Regulation Authority who are our regulators.
• Law enforcement agencies such as the police, HMRC and taxation authorities.
• Our own insurers and companies who we have appointed to assist with arranging our insurance.

3.3 Third party claimant

If you make a claim against a third party who has an insurance policy with us, this section will be applicable to you and will provide key information about how we use your personal information.

3.3.1 What personal information will we collect?

• Your name and title, address, telephone numbers and email addresses, date of birth and gender
• Identity documents such as passport, driving licence and national insurance number.
• Any information which is related to your claim which could include:
  • your job title and employment status, employment history, salary and education if relevant;
  • details about the incident; and
  • photographic evidence.
• Information which is available publicly such as via internet search engines and social media where we need to investigate potentially fraudulent claims.

3.3.2 What sensitive personal information will we collect?

• Information about your physical and mental health if relevant to the claim you are making and in particular any information contained in a medical report.
• Information about any criminal offences you have been convicted for and any related information including about any offences or alleged offences you have committed or any court sentences which you are subject to.
• We may also collect information because it is relevant to your claim, which reveals or is likely to reveal your race or ethnicity, religious or philosophical beliefs; political opinions; trade union membership; or data concerning your sex life or sexual orientation, for example where we seek to validate or investigate a claim we may receive files containing any of the above information. We may also need to collect this information to assess the value of your claim.

3.3.3 How will we collect your personal information?

Directly from you when you contact us to make a claim.

We will also collect your personal information from:

• The policyholder.
• Third parties who we rely on to provide insurance and handle claims such as brokers, insurers, third party claimants, defendants, witnesses and our own business partners.
• Third parties we appoint to assist with a claim such as claims handlers, medical experts we have commissioned to produce a medical report and medical screening service providers, investigators and loss adjusters.
• Third parties involved in the claim process such as lawyers or the Crown Prosecution Service.
• Third parties who provide sanctions checking services.
• Insurance industry bodies.
• Financial crime and fraud detection agencies and other third parties who operate and maintain fraud detection registers and third parties we use to carry out credit checks.
• Other companies in the Benefact Group.
• Public sources such as court judgments, insolvency registers, internet search engines, social media
• The Financial Conduct Authority and the Prudential Regulation Authority who are our regulators.

3.3.4 What will we use your personal information for?

We use your information in a number of different ways, depending on your particular circumstances. For every use, we must be able to demonstrate that there is a “legal ground” to do so. When using your “personal information”, we will rely on the “legal grounds” set out below:

• We have a legal or regulatory obligation to use your personal information. We have a legal obligation to carry out anti-money laundering checks. Our regulators require us to maintain records of all dealings with you and to comply with our regulatory reporting requirements we may need to send your personal information to our regulators. We are also required to provide information to the Compensation Recovery Unit (CRU) for the purposes of fulfilling our statutory obligation to notify the CRU prior to claim settlement.
• We have a business need to use your personal information. Such needs will include investigating claims, exercising our right of subrogation, keeping business and accounting records, maintaining management information, statistical analysis, developing and testing our systems, analysing our business and improving the services we offer, carrying out strategic reviews of our business models and will cover all activities which are needed to carry out everyday business activities. When relying on this legal ground, we are under a duty to assess your rights and to ensure that we do not use your information unless we can demonstrate a legitimate business need.

When we use your “sensitive personal information” (such as information about your health, religion or criminal offences), we need to have an additional “legal ground”. When using your “sensitive personal information”, we will rely on the “legal grounds” set out below:

• We have an insurance purpose to use your sensitive personal information and there is a substantial public interest such as handling claims and preventing and detecting fraud.
• We need to use your sensitive personal information to establish, exercise or defend legal rights. This will be applicable where we are involved in legal proceedings, either against us or where we want to instigate them ourselves or when we are investigating the claim that you have brought against an individual who holds a policy with us or when we are exercising our right of subrogation.
• You have given your consent.

3.3.5 What are the legal grounds on which we will use your personal information?

3.3.6 Who will we share your personal information with?

We do not share or distribute your personal information other than to the following third parties and only under the limited circumstances we have set out above:

• The policyholder.
• Other insurers that are involved in your claim.
• Third parties who we rely on to provide insurance and handle claims such as brokers, insurers, third party claimants, defendants, witnesses and our own business partners.
• Third parties we appoint to assist with a claim such as claims handlers, medical experts and medical screening service providers, surveyors, investigators and loss adjusters.
• The third party against whom we are seeking recovery as part of the subrogation process and his or her legal representative.
• The Compensation Recovery Unit.
• Third parties who provide sanctions checking services.
• Insurance industry bodies.
• Financial crime and fraud detection agencies and other third parties who operate and maintain fraud detection registers (including the Claims Underwriting Exchange “CUE” and the Insurance Fraud Register “IFR” managed by the Insurance Fraud Bureau) and third parties we use to carry out credit checks.
• Other companies in the Benefact Group.
• Our solicitors.
• Service providers we have contracted with including our subcontractors and agents, auditors, our solicitors, actuaries, IT providers and database providers, marketing mailing providers and business suppliers.
• Any third parties in the event of a sale, merger, reorganisation, transfer or dissolution of our business.
• The Financial Conduct Authority and the Prudential Regulation Authority who are our regulators.
• Law enforcement agencies such as the police, HMRC and taxation authorities.
• Our own insurers and companies who we have appointed to assist with arranging our insurance.

3.4 Third party pursued for a recovery 

If you are a third party from whom we are seeking recovery when we exercise our right of subrogation, this section will be applicable to you and will provide key information about how we use your personal information. We may exercise this right where we have paid a claim under an insurance policy but we believe that your act or failure to act caused the loss or injury.

3.4.1 What personal information will we collect?

• Your name and title, address, telephone number and email address, date of birth and gender;
• Any information which is related to the relevant claim which could include:
  • your job title and employment status, employment history and salary and education if relevant;
  • details about the incident and your actions; and
  • photographic evidence.
• Information which is available publicly such as via internet search engines and social media.

3.4.2 What sensitive personal information will we collect?

• Information about your physical and mental health if relevant to the claim.
• Information about any criminal offences you have been convicted of and any related information including about any offences or alleged offences you have committed or any court sentences which you are subject to.
• We may also collect information because it is relevant to the claim made under an Ansvar policy, which reveals or is likely to reveal; your race or ethnicity, religious or philosophical beliefs, political opinions, trade union membership, or data concerning your sex life or sexual orientation.

3.4.3 How will we collect your personal information?

We will collect your personal information from:

• The policyholder.
• Third parties who we rely on to provide insurance and handle claims such as brokers, insurers, third party claimants, witnesses and our own business partners.
• Third parties we appoint to assist with a claim such as claims handlers, investigators and loss adjusters.
• Third parties involved in the claim process such as lawyers or the Crown Prosecution Service.
• Other Companies in the Benefact Group.
• Public sources such as court judgments, internet search engines and social media.

3.4.4 What will we use your personal information for?

We use your information in a number of different ways, depending on your particular circumstances. For every use, we must be able to demonstrate that there is a “legal ground” to do so. When using your “personal information”, we will rely on the “legal grounds” set out below:

• We have a legal or regulatory obligation to use your personal information. We have a legal obligation to carry out anti-money laundering checks. Our regulators require us to maintain records of all dealings with you and to comply with our regulatory reporting requirements we may need to send your personal information to our regulators. We are also required to provide information to the Compensation Recovery Unit (CRU) for the purposes of fulfilling our statutory obligation to notify the CRU prior to claim settlement.
• We have a business need to use your personal information. Such needs will include investigating claims, exercising our right of subrogation, keeping business and accounting records, maintaining management information, statistical analysis, developing and testing our systems, analysing our business and improving the services we offer, carrying out strategic reviews of our business models and will cover all activities which are needed to carry out everyday business activities. When relying on this legal ground, we are under a duty to assess your rights and to ensure that we do not use your information unless we can demonstrate a legitimate business need.

When we use your “sensitive personal information” (such as information about your health, religion or criminal offences), we need to have an additional “legal ground”. When using your “sensitive personal information”, we will rely on the “legal grounds” set out below:

• We have an insurance purpose to use your sensitive personal information and there is a substantial public interest such as handling claims.
• We need to use your sensitive personal information to establish, exercise or defend legal rights.  This will be applicable where we are involved in legal proceedings, either against us or where we want to instigate them ourselves such as when we are exercising our right of subrogation.

3.4.5 What are the legal grounds on which we will use your personal information?

3.4.6 Who will we share your personal information with?

We do not share or distribute your personal information other than to the following third parties and only under the limited circumstances we have set out above:

• The policyholder.
• Other insurers that are involved in your claim.
• Third parties who we rely on to provide insurance and handle claims such as brokers, insurers, witnesses and our own business partners.
• Third parties we appoint to assist with a claim such as claims handlers, investigators and loss adjusters.
• Other third parties who we engage with when exercising our right of subrogation which include the third claimant and their legal adviser or legal representative.
• Your legal adviser or legal representative.
• The Compensation Recovery Unit.
• Other Companies in the Benefact Group.
• Our solicitors.
• Service providers we have contracted with including our subcontractors and agents, auditors, our solicitors, actuaries, IT providers and database providers and business suppliers.
• Any third parties in the event of a sale, merger, reorganisation, transfer or dissolution of our business.
• The Financial Conduct Authority and the Prudential Regulation Authority who are our regulators.
• Law enforcement agencies such as the police, HMRC and taxation authorities.
• The courts.
• Our own insurers and companies who we have appointed to assist with arranging our insurance.

3.5 Witness to an incident

If you have witnessed an incident which has now become the subject of a claim, this section will be applicable to you and will provide key information about how we use your personal information.

3.5.1 What personal information will we collect?

• Your name and title, address, telephone numbers and email addresses, date of birth and gender.
• Your employment status and related information such as job title, employment history and education.
• Identity documents such as passport, driving licence and national insurance number.
• Information which is available publicly such as via internet search engines and social media where we need to investigate potentially fraudulent claims.
• Any information which is related to the incident you witnessed.

3.5.2 What sensitive personal information will we collect?

• Information about your physical and mental health if you suffered an injury as a result of the incident you witnessed or where you disclose information to us for example referring to a disability you have.
• Information about any criminal offences you have been convicted for and any related information including about any offences or alleged offences you have committed or any court sentences which you are subject to.

3.4.3 How will we collect your personal information?

Directly from you when we contact you to discuss the incident you witnessed.

We will also collect your personal information from:

• Those people involved in the incident such as the policyholder, the claimant and other witnesses.
• Other third parties involved in the incident from an insurance administration perspective such as brokers, insurers, claims handlers, loss adjusters and business partners.
• Third parties we have appointed to assist us in relation to the incident you witnessed such as medical experts, medical screening service providers and investigators.
• Other companies in the Benefact Group.
• Public sources such as court judgments, insolvency registers, internet search engines, social media.

3.5.4 What will we use your personal information for?

We use your information in a number of different ways, depending on your particular circumstances. For every use, we must be able to demonstrate that there is a “legal ground” to do so. When using your “personal information”, we will rely on the “legal grounds” set out below:

• We have a legal or regulatory obligation to use your personal information. We have legal obligations to carry out anti-money laundering checks and our regulators require us to maintain records of all dealings with you. To comply with our regulatory reporting requirements we may need to send your personal information to our regulators.
• We have a business need to use your personal information. Such needs will include investigating claims, exercising our right of subrogation, keeping business and accounting records, maintaining management information, statistical analysis, developing and testing our systems, analysing our business and improving the services we offer, carrying out strategic reviews of our business models and will cover all activities which are needed to carry out everyday business activities. When relying on this legal ground, we are under a duty to assess your rights and to ensure that we do not use your information unless we can demonstrate a legitimate business need.

When we use your “sensitive personal information” (such as information about your health, religion or criminal offences), we need to have an additional “legal ground”. When using your “sensitive personal information”, we will rely on the “legal grounds” set out below:

• We have an insurance purpose to use your sensitive personal information and there is a substantial public interest such as handling claims and preventing and detecting fraud.
• We need to use your sensitive personal information to establish, exercise or defend legal rights. This will be applicable where we are involved in legal proceedings, either against us or where we want to instigate them ourselves or when we are investigating the claim that has been brought against an individual who holds a policy with us.
• You have given your consent.

3.5.5 What are the legal grounds on which we will use your personal information?

3.5.6 Who will we share your personal information with?

We do not share or distribute your personal information other than to the following third parties and only under the limited circumstances we have set out above:

• The policyholder.
• Third parties involved in the incident and their legal and medical representatives.
• Other insurers that are involved in the claim.
• Other third parties involved in the incident from an insurance administration perspective such as brokers, insurers, claims handlers, loss adjusters and business partners.
• Third parties we have appointed to assist us in relation to the incident you witnessed with such as medical experts, medical screening service providers and investigators.
• Third parties who provide sanctions checking services.
• The third party against whom we are seeking recovery as part of the subrogation process and his or her legal representative.
• The third party claimant whose loss or injury you witnessed.
• Insurance industry bodies.
• Financial crime and fraud detection agencies and other third parties who operate and maintain fraud detection registers (including the Claims Underwriting Exchange “CUE” and the Insurance Fraud Register “IFR” managed by the Insurance Fraud Bureau) and third parties we use to carry out credit checks.
• Other companies in the Benefact Group.
• Our solicitors.
• Service providers we have contracted with including our subcontractors and agents, auditors, our solicitors, actuaries, IT providers and database providers, business suppliers.
• Any third parties in the event of a sale, merger, reorganisation, transfer or dissolution of our business.
• The Financial Conduct Authority and the Prudential Regulation Authority who are our regulators.
• Law enforcement agencies such as the police, HMRC and taxation authorities.
• Our own insurers and companies who we have appointed to assist with arranging our insurance.

3.6 Clients to whom we provide and implement financial advice recommendations for life assurance, investments, pensions, mortgages and other financial advice related products and services

If you are a client to whom we offer and implement financial advice recommendations on life assurance, investments, pensions, mortgages and other financial advice related products and services this section will be applicable to you and will provide key information about how we use your personal information.

3.6.1 What personal information will we collect?

• Your name and title, address, telephone numbers and email addresses, date of birth and gender.
• Identity documents such as passport, driving licence, utility bills and national insurance number.
• Employment status and related information such as job title, employment history, employer’s pension provision and education.
• Information which is related to your financial advice and mortgage queries including:
  • your property ownership status and information about your property;
  • information about your lifestyle;
  • details about your existing mortgage;
  • details of any existing investments, employers and individual pension plans, life assurance policies and any other plans you already have in place;
  • information to enable us to assess your attitude to risk and
  • your financial aspirations and plans for the future.
• Financial information including:
  • your bank account and payment details;
  • details about your income, expenditure and financial borrowing appetite;
  • information obtained from checking sanctions lists and credit checks such as bankruptcy orders, individual voluntary arrangements, office disqualifications or county court judgements and
  • details of your assets and liabilities.
• Information which is available publicly such as Crockford’s Clerical Directory or via internet search engines.
• Security questions and answers. We may set up security questions and answers to enable you to gain access to your policy details via an online interface.

3.6.2 What sensitive personal information will we collect?

• Information about your physical and mental health if relevant to the financial advice and mortgage services we are providing, for example:
  • your ability to pay mortgage repayments may be dependent on a longstanding medical condition you have which sometimes prevents you from working or
  • to enable product providers to assess the rates which they may offer you for life assurance.
• A product provider may contact you directly as part of their underwriting process to discuss your physical and mental health.
• Information about any criminal offences you have been convicted for and any related information including about any offences or alleged offences you have committed or any court sentences which you are subject to.
• We may also collect information because it is relevant to the financial advice and mortgage process, which reveals or is likely to reveal your race or ethnicity, religious or philosophical beliefs; political opinions; trade union membership; or data concerning your sex life or sexual orientation.

3.6.3 How will we collect your personal information?

Directly from you:

• when you speak with our financial and mortgage advisers and
• during any communications we have, such as by post, telephone or email or when you make a complaint or general enquiry.

We will also collect your personal information from:

• Third parties who provide sanctions checking services.
• Financial crime and fraud detection agencies and other third parties who operate and maintain fraud detection registers and third parties we use to carry out credit checks.
• Other companies in the Benefact Group.
• Service providers we have contracted with including our subcontractors, agents, auditors, our solicitors, actuaries, IT providers and database providers, marketing mailing providers and business suppliers.
• Any third parties in the event of a sale, merger, reorganisation, transfer or dissolution of our business.
• Public sources such as court judgments, insolvency registers, internet search engines, social media.
• The Financial Conduct Authority and the Prudential Regulation Authority who are our regulators.
• Other companies with which you hold investments, employers and individual pension plans, life assurance policies, mortgages and any other plans.

3.6.4 What will we use your personal information for?

We use your information in a number of different ways, depending on your particular circumstances. For every use, we must be able to demonstrate that there is a “legal ground” to do so. When using your “personal information”, we will rely on the “legal grounds” set out below:

• We need to use your personal information to enter into or perform the client agreement that you have taken out with us. We will rely on this legal ground for all activities that are connected to your client agreement and without using your personal information we would be unable to fulfill our obligations such as providing financial advice, making financial advice recommendations, providing an on-going financial advice service, providing mortgage advice, making mortgage recommendations and responding to complaints.
• We have a legal or regulatory obligation to use your personal information. For example, we have legal obligations to carry out anti-money laundering checks and our regulators require us to maintain records of all dealings with you.
• We have a business need to use your personal information. Such needs will include keeping business and accounting records, maintaining management information, statistical analysis, developing and testing our systems, analysing our business and improving the services we offer, carrying out strategic reviews of our business models and will cover all activities which are needed to carry out everyday business activities. When relying on this legal ground, we are under a duty to assess your rights and to ensure that we do not use your information unless we can demonstrate a legitimate business need.

When we use your “sensitive personal information” (such as information about your health, religion or criminal offences), we need to have an additional “legal ground”. When using your “sensitive personal information”, we will rely on the “legal grounds” set out below:

• There is a substantial public interest such as assessing, preventing and detecting fraud.
• You have clearly made your sensitive personal information public. For example where you are a Bishop of an Anglican Church and you have made your religious beliefs common knowledge.
• We need to use your sensitive personal information to establish, exercise or defend legal rights. This will be applicable where we are involved in legal proceedings, either against us or where we want to instigate them ourselves or when we are investigating a legal claim that a third party brings against you.
• You have given your explicit consent.

3.6.5 What are the legal grounds on which we will use your personal information?

3.6.6 Who will we share your personal information with?

We do not share or distribute your personal information other than to the following third parties and only under the limited circumstances we have set out above:

• Third parties who we engage with to provide you with financial product recommendations and mortgage recommendations such as investment fund providers, investment platforms, life assurance product providers, multiple quote providers, professional advisers, mortgage lenders, banks and building societies, solicitors, surveyors, mortgage brokers and our own business partners.
• Third parties who provide sanctions checking services.
• Financial crime and fraud detection agencies and other third parties who operate and maintain fraud detection registers and third parties we use to carry out credit checks.
• Other companies in the Benefact Group.
• Service providers we have contracted with including our subcontractors and agents, auditors, our solicitors, actuaries, IT providers and database providers, marketing mailing providers and business suppliers.
• Any third parties in the event of a sale, merger, reorganisation, transfer or dissolution of our business.
• The Financial Conduct Authority and the Prudential Regulation who are our regulators.
• Law enforcement agencies such as the police, HMRC and taxation authorities.
• Our own insurers and companies who we have appointed to assist with arranging our insurance.

3.7 Brokers, appointed representatives, financial adviser and other business partners

If you are a broker, appointed representative, financial adviser or another type of business partner such as a supplier or subcontractor that we do business with, this section will be applicable to you and will provide key information about how we use your personal information.

3.7.1 What personal information will we collect?

• Your name and title, address, telephone numbers and email addresses, date of birth and gender.
• Employment status and related information such as job title, employment history and education.
• Bank and payment details.
• Financial information obtained from checking sanctions lists and credit checks such as bankruptcy orders, individual voluntary arrangements, office disqualifications or county court judgments.
• Information which is available publicly such as via internet search engines and LinkedIn.

3.7.2 What sensitive personal information will we collect?

Information about any criminal offences you have been convicted for and any related information including about any offences or alleged offences you have committed or any court sentences which you are subject to.

3.7.3 How will we collect your information?

• Directly from you and your employer.
• Third parties who provide sanctions checking services.
• Financial crime and fraud detection agencies and other third parties who operate and maintain fraud detection registers and third parties we use to carry out credit checks.
• Other companies in the Benefact Group.
• Public sources such as court judgments, insolvency registers, internet search engines, social media.

3.7.4 What will we use your personal information for?

We use your information in a number of different ways, depending on your particular circumstances. For every use, we must be able to demonstrate that there is a “legal ground” to do so. When using your “personal information”, we will rely on the “legal grounds” set out below:

• We need to use your personal information to enter into a services contract with you.
• We have a legal or regulatory obligation to use your personal information. For example, we have obligations to carry out due diligence checks on parties we engage with.
• We have a business need to use your personal information. Such needs will include keeping business and accounting records, maintaining management information, statistical analysis, developing and testing our systems, analysing our business and improving the services we offer, carrying out strategic reviews of our business models and will cover all activities which are needed to carry out everyday business activities. When relying on this legal ground, we are under a duty to assess your rights and to ensure that we do not use your information unless we can demonstrate a legitimate business need.

When we use your “sensitive personal information” (such as information about your health, religion or criminal offences), we need to have an additional “legal ground”. When using your “sensitive personal information”, we will rely on the “legal grounds” set out below:

• There is a substantial public interest such as preventing and detecting fraud.
• We need to use your sensitive personal information to establish, exercise or defend legal rights. This will be applicable where we are involved in legal proceedings, either against us or where we want to instigate them ourselves or when we are investigating a legal claim that a third party brings against you.
• You have given your explicit consent.

3.7.5 What are the legal grounds on which we will use your personal information?

3.7.6 Who will we share your personal information with?

We do not share or distribute your personal information other than to the following third parties and only under the limited circumstances we have set out above.

Where we engage with you relating to an insurance policy we will share your personal information with:

• Third parties including the policyholder and claimant.
• Third parties who we engage with when administering a policy or claim such as claims handlers, medical experts and medical screening service providers, surveyors, investigators and loss adjusters.
• Insurers and brokers.

Where we engage with you relating to mortgage advice or financial investment advice we will share your personal information with:

• The client to whom we provide advice.
• Mortgage lenders.
• Financial advisers.
• Third parties who provide services in relation to the management of investments or facilitate the arrangement of products we recommend such as product providers, portfolio and fund managers and insurers.

In addition to the above, we will also disclose your information to the following parties:

• Third parties who provide sanctions checking services.
• Insurance industry bodies.
• Financial crime and fraud detection agencies and other third parties who operate and maintain fraud detection registers and third parties we use to carry out credit checks.
• Other companies in the Benefact Group.
• Service providers we have contracted with including our subcontractors and agents, auditors, our solicitors, actuaries, IT providers and database providers, marketing mailing providers and business suppliers.
• Any third parties in the event of a sale, merger, reorganisation, transfer or dissolution of our business.
• The Financial Conduct Authority and the Prudential Regulation Authority who are our regulators.
• Law enforcement agencies such as the police, HMRC and taxation authorities.
• Our own insurers and companies who we have appointed to assist with arranging our insurance.

3.8 Users of the Ansvar websites

If you use or access the Ansvar websites (being ecclesiastical.com, benefactgroup.com and Movementforgood.com), this section will be applicable to you and will provide key information about how we use your personal information.

3.8.1 What personal information will we collect?

• Name, contact details, postcode and IP address
• Information obtained through our use of cookies. You can find more information about this in our cookies policy here

Please note that if you make an online application for an insurance quote via our website, the section relevant to prospective policyholders above will apply.

3.8.2 How will we collect your personal information?

We collect your information directly from our website and where you have submitted any information on our website.

3.8.3 What will we use your personal information for?

We use your information in a number of different ways, depending on your particular circumstances. For every use, we must be able to demonstrate that there is a “legal ground” to do so. When using your “personal information”, we will rely on the “legal grounds” set out below:

We have a business need to use your personal information, such as developing and testing our systems, analysing our business and improving the services we offer, diagnosing any problems with our website and assessing usage of our website. When relying on this legal ground, we are under a duty to assess your rights and to ensure that we do not use your information unless we can demonstrate a legitimate business need.

3.8.4 What are the legal grounds on which we will use your personal information?

3.8.5 Who will we share your personal information with?

We do not share or distribute your personal information other than to the following third parties and only under the limited circumstances we have set out above:

• Other companies in the Benefact Group.
• Service providers we have contracted with relating to the website such as our subcontractors and agents and website providers.

3.9 Users of the Ansvar Community Hub

If you use the Ansvar Community Hub, this section will be applicable to you and will provide key information about how we use your personal information.

3.9.1 What personal information will we collect?

Your name and title, telephone numbers and email addresses.

3.9.2 How will we collect your personal information?

We collect your information directly from you.

3.9.3 What will we use your personal information for?

We use your information in a number of different ways, depending on your particular circumstances. For every use, we must be able to demonstrate that there is a “legal ground” to do so. When using your “personal information”, we will rely on the “legal grounds” set out below:

We have a business need to use your personal information. To enable you to use the Ansvar Community Hub, and so we can keep you up to date with information regarding the Ansvar Community Hub. When relying on this legal ground, we are under a duty to assess your rights and to ensure that we do not use your information unless we can demonstrate a legitimate business need.

You have given your consent.

3.9.4 What are the legal grounds on which we will use your personal information?

3.9.5 Who will we share your personal information with?

We do not share or distribute your personal information other than to the following third parties and only under the limited circumstances we have set out above:

• Other companies in the Benefact Group.
• Service providers we have contracted with including our solicitors, IT providers and database providers, marketing mailing providers and business suppliers.
• Landlords, Building Management, and Security.

We may use your personal information to provide you with information about our services or to send you ‘Church Matters’ newsletters and risk advice notes which may be of interest to you where you are an existing client, policyholder or where you have provided your consent for us to do so.

We are committed to only sending you marketing communications that you have clearly expressed an interest in receiving. You can opt out of marketing communications at any time by contacting us.

Please note that, even if you opt out of receiving marketing messages, we may still send you communications which are relevant to the type of services we provide you with.

We make some decisions automatically inputting your personal information into a system and computer and the decision is reached using certain processes and algorithms, rather than our employees making the decisions themselves. This is called ‘automated decision-making’ and we will use this on certain products at the underwriting stage.

We use your personal information (for example address and property details and details of your charitable or commercial activities) to determine your eligibility for particular cover under an insurance policy and your insurance premium. This takes into account whether the risk presented fits our risk appetite, and if so, allows us to calculate the price to be charged.

You have a right not to be subject to the automated decision-making described above and you can contact us, using the details set out in section 10, to request that any declined decision is reconsidered. If you want to opt out of automatic decision-making, let us know, although in some circumstances it may mean we can’t offer you a quote or policy as some automated decisions are necessary to provide your insurance policy.

We will only keep your personal information for as long as reasonably necessary to fulfil the purposes set out in section 3 above and to comply with our legal and regulatory obligations.

For example, we keep property claim files for at least 6 years, and where long term liability claims may arise, we keep policy information for at least 80 years.

If you would like further information about how long we will keep your personal information for, please contact us using the details set out in section 10.

There may be some instances where your personal information is transferred to countries outside of the European Economic Area (“EEA”) such as when we transfer information to our companies in the Benefact Group or to third party suppliers who are based outside the EEA or when third parties who act on our behalf transfer your personal information to countries outside the EEA.

Where such a transfer takes place, we will take the appropriate safeguarding measures to ensure that your personal information is adequately protected. We will do so in a number of ways including:

entering into data transfer contracts and using specific contractual provisions that has been approved by European data protection authorities otherwise known as the “standard contractual clauses”;
transferring personal data only to companies in the United States who are certified under the “Privacy Shield”. The Privacy Shield is a scheme whereby companies certify that they provide an adequate level of data protection. You can find out more about the Privacy Shield here; or
we will only transfer personal data to companies in non-EEA countries who have been deemed by European data protection authorities to have adequate levels of data protection for the protection of personal information. You can find out more about this here.
We are also entitled under European data protection laws to transfer your personal information to countries outside the EEA in the following circumstances:

it is necessary for the performance of the contract we have with you
it is necessary to protect your vital interests i.e. it is a life or death situation.
Depending on our relationship and your particular circumstances, we might transfer personal information anywhere in the world. A summary of our regular data transfers outside the EEA is set out below:

Country of transfer
Reason for the transfer
Method we use to protect your information
India
There are data servers established in India which store your information where you are a financial advice and investment client
We have entered into standard contractual clauses with the company hosting the data servers in India
The Philippines
One of our claims supply chain partners processes some data in the Philippines
We have entered into standard contractual clauses with the company and established that appropriate security measures are in place
Tel Aviv – Israel
Our insurance and reinsurance processing platform currently under development is provided by a company based in Tel Aviv
Israel has been deemed to offer an adequate level of data protection
Worldwide
If you have a travel policy with us and you need assistance when you are ill on holiday, we will need to instruct medical experts or other service providers to the country where you are situated to ensure that you receive appropriate medical services
We will rely on the exemptions under European data protection laws because it is necessary to transfer your personal information so that we can provide you with medical services under your travel policy or it is a life or death situation and it is in your vital interests
If you would like further information regarding our data transfers and the steps we take to safeguard your personal information, please contact us using the details set out in section 10.

We implement and maintain appropriate technical and organisational measures to ensure the ongoing confidentiality, integrity, availability and resilience of processing systems and services. These include but are not limited to the following key activities:

We adopt a framework of information security controls operating at different levels within the company to restrict access and safeguard systems, in accordance with a ‘defence in depth’ methodology (which is the coordinated use of multiple security controls to protect the integrity of the information and assets in the company’s IT network);
We have an established, documented information security and data protection policy framework which is regularly reviewed to consider changes in technology, regulations and threats;
We maintain encryption technologies to encrypt data stored on portable computers and portable media, and ensure security when data is transferred;
We maintain awareness and education on information security and data protection in all areas of our business;
We conduct risk based due diligence on our suppliers;
We operate a programme of testing the effectiveness of our information security measures.

You have several data protection rights which entitle you to request information about your personal information, to dictate what we do with it or to stop us using it in certain ways.

If you wish to exercise the rights set out below, please contact us at any time using the details set out in section 8. There will not normally be a charge for this.

We respect your rights in relation to personal information we hold about you, however we cannot always comply with your requests, for example:

• we may not be able to delete your information if we are required by law to keep it for a longer period of time; or
• we may not be able to provide a copy of your personal information if it is subject to legal professional privilege (or in Scotland confidentiality of communications), or consists of the records of our intentions in relation to any negotiations with you if disclosure would be likely to prejudice those negotiations; or
• we may not be able to delete your information if we would not have the necessary information we need to provide insurance cover or pay out on a claim.

However we will always inform you why we cannot comply with your request.

In some circumstances, complying with your request may result in your insurance policy being cancelled or your claim being discontinued.

The right to access your personal information

You can request a copy of the personal information we hold about you and certain details of how we use it.

Your personal information will normally be provided to you in writing unless you request otherwise or where you have made a request by electronic means such as email, we will provide such information in electronic form where possible.

The right to withdraw your consent

Where we rely on consent as the legal ground to use your personal information, you are entitled to withdraw that original consent.

Please note that for certain uses of your personal information, we need your consent in order to provide your policy. If you exercise this right and withdraw your consent, we may need to cancel your policy or we may not be able to pay your claim. We will inform you of these consequences when you withdraw your consent.

The right to rectification

We make reasonable efforts to keep your personal information where necessary up to date, complete and accurate. We encourage you to ensure that your personal information is accurate so please regularly let us know if you believe that the information we hold about you may be inaccurate or not complete. We will correct and amend any such personal information and notify any third party recipients of necessary changes.

The right to restriction of processing

Subject to the circumstances in which you exercise this right, you can request that we stop using your personal information, such as where you believe that we no longer need to use your personal information.

The right to data portability

Subject to the circumstances in which you exercise this right, you can request that we port across personal information you have provided to us to a third party in a commonly used and machine-readable format.

The right to erasure

You can request that we delete your personal information. For example, where we no longer need your personal information for the original purpose we collected it for or where you have exercised your right to withdrawn consent.

Whilst we will assess every request, this request is subject to legal and regulatory requirements that we are required to comply with.

The right to object to direct marketing

You can request that we stop sending you marketing messages at any time by clicking on the “unsubscribe” button in any emails that we send to you or by contacting us using the details set out in section 9.

Please note that even if you exercise this right because you do not want to receive marketing messages, we may still send you service related communications where necessary

The right to object to processing

Where our processing is based on the legal ground of us having a legitimate business need to process your personal information, you can object to such processing. If you raise an objection, we will consider your request and balance this against any other compelling legitimate grounds in favour of the processing and inform you of our decision.

Rights relating to automated decision-making
If you have been subject to an automated decision and do not agree with the outcome, you can contact us using the details set out in section 10 and ask us to review the decision.

The right to make a complaint with the ICO

Where you believe that we have breached data protection laws when using your personal information, you can complain to the Information Commissioner’s Office (ICO). For more information visit the ICO’s website.  Please note that exercising this right and lodging a complaint will not affect any other legal rights or remedies that you have.

If you would like further information about the ways we use your personal information, further clarity on how we use your personal information or anything referred to in this notice, please contact our Data Protection Officer at compliance@ansvar.co.uk or by writing to the Data Protection Officer, Ansvar Insurance, Benefact House, 2000 Pioneer Avenue, Gloucester Business Park, Brockworth, Gloucester, GL3 4AW.

We are continually improving our methods of communication and alongside with changes in the law and the changing nature of technology, our data practices and how we use your data will change from time to time. If and when our data practices change and you are a customer of Ansvar, we will notify you and we will provide you with the most up-to-date notice. You can view it by checking our website.