Privacy Policy

 

 

 

 

 

This privacy notice explains how Cobine Carmelson use any personal information we collect about you. Where it’s necessary for your personal data to be forwarded to a third party we’ll use appropriate security measures to protect your personal data in transit.

 

What information do we collect about you?

We collect information about you when you engage us for insurance advice. This information may relate to your personal and financial circumstances. It may also include special categories of personal data such as data about health, if this is necessary for the provision of our services.

 

Why do we need to collect and use your personal data?

The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you. The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data we’d also be unable to fulfil our legal and regulatory obligations. Where special category data is required we’ll obtain your explicit consent in order to collect and process this information.

 

Who might we share your information with?

We won’t share your information for marketing purposes with other companies. We will not sell your data to anyone, ever.

In order to deliver our services to you effectively we may send your details to third parties such as those that we engage for professional compliance, accountancy or legal services as well as product and insurance providers that we use to arrange financial products for you.

Where third parties are involved in processing your data we’ll have a contract in place with them to ensure that the nature and purpose of the processing is clear, that they are subject to a duty of confidence in processing your data and that they’ll only act in accordance with our written instructions.

To fulfil our obligations in respect of prevention of money-laundering and other financial crime we may send your details to third party agencies for identity verification purposes.

 

How long do we keep hold of your information?

In principle, your data shouldn’t be held for longer than is required under the terms of our contract for services with you. However, we’re subject to regulatory requirements to retain data for specified minimum periods. We also reserve the right to retain data for longer than this due to the possibility that it may be required for the defence of any future claims.

You have the right to request deletion of your personal data. We’ll comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.

 

How can I access the information you hold about me?

You have the right to request a copy of the information that we hold about you. When your personal data is processed by automated means you have the right to ask us to move your personal data to another organisation for their use. We have an obligation to ensure that your personal information is accurate and up to date. Please ask us to correct or remove any information that you think is incorrect.

 

Marketing

We’d like to send you information about our products and services and those of other companies in our group which may be of interest to you. If you’ve agreed to receive marketing information, you may opt out whenever you choose.

If you no longer wish to be contacted for marketing purposes, please contact us by email or post.

 

Cookies

We use cookies to track visitor use of the website and to compile statistical reports on website activity. For further information visit http://www.allaboutcookies.org/. You can set your browser not to accept cookies and the above website tells you how to remove cookies from your browser. However in a few cases some of our website features may not function as a result.

What can you do if you are unhappy with how your personal data is processed?

You also have a right to lodge a complaint with the supervisory authority for data protection. In the UK this is:

Information Commissioner’s Office

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

0303 123 1113 (local rate)

 

Changes to our privacy policy

We keep our privacy policy under regular review and we’ll inform you of any changes when they occur.

How to contact us

Please contact us if you have any questions about our privacy policy or information we hold about you: by email at jason@cobinecarmelson.com. Or write to us at :

 

138 Cromwell Avenue

Cheshunt

Hertfordshire

EN7 5DW

 

We are Authorised and Regulated by the Financial Conduct Authority