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Your privacy is important to AllClear and we are committed to respect and protect your privacy and your personal information. This privacy policy tells you what you can expect us to do with personal information we hold on you, what kinds of information we hold, how we receive it and who we receive it from. It explains who else we may share your information with, and gives you details about your data rights and how you may use them. It also describes how we comply with relevant legislation including the Data Protection Act 2018 and the UK General Data Protection Regulation.
This privacy policy is updated from time to time, to reflect any changes in how we use and handle personal information. This privacy policy was last updated August 2021.
This privacy policy relates to the following types of individuals, where we hold your personal information:
There are types of individuals who this privacy policy does not relate to, for example AllClear employees and sub-contractors (including prospective and former employees and sub-contractors), employees of our current, former or prospective business partners and service suppliers, and members of the press.
If you are one of these individuals and would like further information on how we collect, use and store your data, please contact our data protection officer at: DPO@allclearinsurance.com
AllClear Limited is a travel insurance intermediary specialising in providing tailored travel insurance for travellers with pre-existing medical conditions.
AllClear Travel Insurance is administered by AllClear Insurance Services Limited. AllClear Limited and AllClear Insurance Services are classed as Data Controllers which means we are responsible for deciding how your personal data will be processed.
We collect your information and use it in different ways depending on your relationship with us and how you have interacted with us. This can include information we share with or receive from other third parties.
We use your information for the following lawful reasons:
To enter into or perform a contract: for example, to provide a travel insurance quotation, to arrange and administer your insurance including making any changes, renewing your policy, cancelling your policy answering queries and to action your requests.
This information may also include sensitive (special category) data such as your medical history and conditions which we can collect on grounds of substantial public interests to provide you with a quotation and/or arrange your insurance. If you give us information about another person in doing so you are confirming that you have their permission to do so and that we may use their personal data in the same way as we will use yours. All the above applies whether you are providing your information via our call centre, our website or via the online self-serve members area.
To comply with a legal obligation: for example the rules set by our regulators the Financial Conduct Authority (FCA), The Gibraltar Financial Services Commission (GFSC) and also The Financial Ombudsman Service, to fulfil your data rights under data privacy laws, handle complaints about data privacy or our insurance products and services and to comply with other legal requirements.
For yours and our legitimate interests: for example to detect and prevent fraud, money laundering and other financial crimes, monitor and improve our business and our products and services, demonstrate compliance with applicable laws and regulations, handle legal claims, respond to other types of complaint not previously mentioned, and sending you postal direct marketing communications.
Where we rely on this lawful reason, we assess our business needs to ensure they are proportionate and do not affect your rights. In some instances, you also have the right to object to this kind of use. For more information, visit the "Your data rights" section of this policy.
With your consent: for example by sending you email marketing communications, when you ask us to provide you with information, when you give us your details, where we have obtained your contact details in the course of a sale, when you ask us to contact you for email marketing purposes and have not opted out of marketing messages. You can withdraw your consent at any time, for more information please visit the "Marketing" section of this policy.
To protect vital interests: in extreme or unusual circumstances, we may need to use your information to protect your life or the lives of others.
We collect personal data from you when:
We also collect your information from other third-party sources where we have legal grounds to do so. These include anti-fraud and crime-prevention agencies, credit reference and vetting agencies, and other data providers.
Depending on your relationship with us, we may hold the following types of information about you:
Some of our processes combine different sets of information we hold. This can include combining different data sets we have about you or combining your information with that of other individuals.
Our on-line Quote and Buy systems carry out automated decision making and profiling to decide whether we can provide insurance to you and at what price. If you do not want your data to be processed in this manner then you are able to obtain quotations and arrange insurance via our Contact Centre.
Information is automatically collected whilst navigating through and interacting with the content on our site as well as information on your device or computer (such as cookies) and this includes social media features which may collect your IP address and which page you are visiting and may set a cookie to enable the feature to function correctly. For further information on cookies and third parties that we use to host these services please read our cookie policy.
The sole purpose of passively collecting your information is to improve your experience when using our websites and services.
Where applicable, we share your personal information with the following types of third parties when we have a valid reason to do so:
Other third parties including claims handling and assistance service providers may share personal information that you have disclosed to them, with us for the purposes of administering your policy. If you refuse disclosure of data to a third party which prevents the insurer from providing cover, the insurer may be released from any liability for any claim.
AllClear uses a variety of services hosted by third parties such as HotJar, Google Analytics, Bing Ads, Google Tag Manager, Live Chat, TrustPilot, YouTube and Optimizely. These services may collect information sent by your browser as part of a web page request, such as cookies or your IP address.
For information on how these third parties collect and use your information, please refer to their privacy policies.
Data protection law places restrictions on transferring personal data outside of the United Kingdom (UK) and the European Economic Area (EEA). The EEA consists of the member countries of the European Union (EU), along with Iceland, Liechtenstein, Norway and Switzerland, and who are all considered to have appropriate data protection laws to safeguard your privacy and protect your rights.
We may need to transfer information to our service suppliers in countries outside the UK and the EEA. If we do, we will ensure that your information is properly protected. If the laws of the country where our supplier is based are not considered equivalent to those in the UK or the EEA, we will ensure that the service supplier enters into a formal legal agreement that reflects the standards required.
We will only send you marketing information regarding our own products and services and those from trusted third parties.
If you no longer wish to receive postal and/or email marketing communications from us, you can request us to stop by:
If you do choose to stop receiving marketing communications from us, we will ensure that you do not receive such material going forward, unless you change your mind and specifically request it in the future.
Data protection law gives you rights relating to your personal information. This section gives you an overview of these and how they relate to the information you give us.
The UK supervisory authority for data rights, the Information Commissioner's Office (ICO), has also published detailed information about your rights on their website: www.ico.org.uk.
You have a right to request copies of the personal information we hold on you, along with meaningful information on how it is used and who we share it with.
This right always applies, but there are some instances where we may not be able to provide you with all the information we hold. If this is the case, we will confirm why we are unable to provide it – unless there is a valid legal reason that means we cannot let you know why.
If information we hold is inaccurate or incomplete, and this has an impact on the way we are using your data, you have the right to have any inaccuracies corrected and for any incomplete data to be completed.
If you ask us to rectify your information, we will either confirm to you that this has been done, or if there is a valid reason that this cannot be done, we will let you know why.
You have the right to request that your personal information is erased.
If you ask us to erase your information, we will either confirm to you that this has been done, or if we are unable to delete it, let you know why and also inform you how long we will hold it for. For more information, see the “Retention Policy” section of this policy.
You can ask us to restrict the use of your information.
If you ask us to restrict your information, we will either confirm to you that this has been done, or if we are unable to restrict it, we will inform you why.
You can object to receiving direct marketing from us.
If you do so, we will ensure that you do not receive such material going forward, unless you change your mind and specifically request it in the future. For more information, see the “Marketing” section of this policy.
You can object to decisions made about you using your information and undertaken by purely automated means.
If you do so, we will arrange for someone to assess the automated decision and confirm the outcome of this assessment to you.
You may object to our processing of your personal data pursuant to this privacy policy. Please contact us providing details of your objection.
You can object to us using your information for statistical purposes in some instances.
If you do so, we will either confirm to you that the processing has stopped, or there is a valid reason for the processing to continue, we will inform you why.
You can challenge the use of your personal data where we use a legitimate business interest as a lawful basis to process your information. You can find more information on when we use this lawful basis in the “lawful ways we use your data” section of this policy.
If you do so, we will either confirm to you that the processing has stopped, or there is a valid reason for the processing to continue, we will inform you why.
You have the right to request that your information be compiled into a common, machine readable format and either provided directly to you or sent by us to a third-party you nominate.
If you request this, we will either act upon your instruction and confirm to you that we have done so, or if there is a valid reason that this cannot be done, we will tell you why.
If you have a complaint about how we use your personal information please contact us by email at complaints@allclearinsurance.com. Or by post:
AllClear Complaints
AllClear House
1 Redwing Court
Ashton Road
Romford
Essex
RM3 8QQ
If you remain unhappy with our response you may raise a complaint with a supervisory authority responsible for data protection and privacy.
In the UK, the supervisory authority is the Information Commissioner’s Office (ICO), who can be contacted using the following details:
By e-mail: icocasework@ico.org.uk
By telephone: 0303 123 1113
By post: The Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, SK9 5AF.
You can exercise any of your data rights by contacting our Data Protection Officer at DPO@allclearinsurance.com.
We will only retain data for as long is necessary for the purposes for which it is being processed and in line with our data retention policy. In most cases this will be a maximum of 7 years from the expiry of an insurance contract.
We are committed to protecting the online privacy of visitors to our website. We have implemented security policies, rules and technical measures to protect your personal data from unauthorised access; improper use or disclosure; unauthorised modification; and unlawful destruction or accidental loss.
Our web site may contain links to other websites. We have no control over the privacy practices or the content of any of our business partners, advertisers, sponsors, or other websites we provide links to from our website. Linked websites are subject to their own policies. You should read any linked website Privacy Policy before submitting any personal information to them.
If you contact us by email you should be aware that emails are not secure unless they have been encrypted. We cannot accept any responsibility for the unauthorised access to your data that is beyond our control.
