This website, located at www.chartisinsurance.com/uk (the “Website”), provides customers with a gateway to products and services offered in the United Kingdom by Chartis Insurance UK Limited and other Chartis Inc. subsidiaries and affiliates (collectively “Chartis”, “we”, “our” or “us”). The Website complies with UK laws and regulations only.

Our data collection and use policies with respect to visitors to the Website are set out in this statement (the “Policy”). By using the Website, you signify your acceptance of this Policy. If you have any questions or comments about this Policy, please contact our Data Protection Officer by e-mail at DataProtectionOfficer@chartisinsurance.com or by post at Data Protection Officer, The Chartis Building, Chartis Insurance UK Limited, 58 Fenchurch Street, London EC3M 4AB.

What is “personally identifiable information”?

When reviewing this Policy you should understand that when we use the term “personally identifiable information”, we mean any information that can be used to identify or contact a specific individual, such as a name, address, telephone number or e-mail address, and any sensitive personal information that may be submitted by you, for example information about your health or medical condition. This information would include “personal data” and “sensitive personal data” as defined by the Data Protection Act 1998. When we refer to “aggregate information”, we mean information that does not allow us to identify or contact a specific individual, such as demographic information, purchase categories, or visitors using a particular browser to access the Website.

What types of personally identifiable information does Chartis collect on the Website?

We collect various types of personally identifiable information from visitors to the Website.  For instance, visitors may choose to register on the Website in order to receive special e-mail offers and promotions which may only be available to registered members of the Website. To register, visitors are required to sign up by providing their e-mail address, and other contact and product-related questions we may ask from time to time.

We also collect information through Chartis InfoExchange and our “contact us” forms on the Website. When you submit questions or comments through Chartis InfoExchange or such forms, we may collect personally identifiable information such as first name, last name, e-mail address, telephone number, policy number and other information provided as part of the question or comment you submitted, which may include sensitive personal information, for example information about your health or medical condition. We may collect National Insurance (NI) numbers in the course of our business.

The information you submit is sent to us in the UK and may also be sent to Chartis subsidiaries and affiliates in other countries and territories around the world, including the United States.

We maintain privacy and security policies and procedures that protect your personally identifiable information (including NI numbers and sensitive personal information) by maintaining its confidentiality, prohibiting its unlawful disclosure, guarding against unauthorised access, establishing proper disposal procedures (such as shredding) and limiting its disclosure to third parties, except where required or permitted by law.

By submitting any personally identifiable information on the Website you consent to its use by us as described in this Policy. By giving information to us about another individual you confirm that you have that individual’s permission to provide the information (including any sensitive personal information) to us and for us to use it as described in this Policy.

For your convenience, we may allow you to log into your broker account through the Website.  Please be aware that your login information is collected by the particular application to which you are logging in, and not by the Website.  As such, the collection, use and disclosure of your login information will be governed by the privacy policy applicable to the particular application to which you are logging into, and not by this Policy.  Please review the privacy policy applicable to such application for more information.

Does Chartis collect any other information about visitors to the Website?

We constantly seek to maintain the integrity of, and make improvements to, the Website. As part of these efforts, we collect and analyse certain aggregate information about how visitors use the Website, as stated below. When you visit our Website, we may collect various types of technical data including, but not limited to, domain and/or Web browser information. This data is gathered using cookies and other similar technologies.

Cookies are small pieces of information that our server places on a visitor’s computer hard drive to enable that person to more easily communicate and interact with the Website and to provide us with important information on how visitors use the Website. The Website uses cookies to allow you to select a preferred location view and default home page view and to let you access recently visited links more easily. Many web browsers are automatically set to accept cookies. You may change your browser settings to either reject cookies or notify you when a cookie is about to be placed on your computer. Further information on deleting or controlling cookies is available at www.AboutCookies.org . Please note, however, that rejecting cookies while visiting the Website may result in certain parts of the Website not operating correctly or as efficiently as if they were allowed. You will not be able to access a preferred location view, a customised default home page view or your recently visited links.

In addition, we may use a service that collects data remotely by using so-called “pixel tags,” “web beacons,” “clear GIFs” or similar means (collectively, “Pixel Tags”) embedded in the Website’s content. A Pixel Tag is an electronic image, often a single-pixel (1x1), which is ordinarily not visible to Website visitors and may be associated with cookies on the visitors’ hard drives. The data we collect includes which operating system and browser you use, how you navigate to and through the Website, and how long you stay on our web pages. This information is anonymous and does not include your name, e-mail address or any other contact information. Please note that certain aggregate information may be linked with personally identifiable information. Any such linked information will be treated as personally identifiable information for the purposes of this Policy as long as it is so linked.

All telephone calls which you make to any telephone number on the Website may be monitored and recorded by us for security, quality of service and training purposes.

What does Chartis do with personally identifiable information collected on the Website?

We will use personally identifiable information provided by visitors to fulfil the purpose for which such information was provided, as described in this Policy, or as disclosed at the time the visitor information is collected.

We use the information submitted via the Chartis InfoExchange and our “contact us” forms to respond to your enquiry (for example to direct a claim to our claims department).  We will not use the information submitted to the Chartis InfoExchange or via such forms for marketing purposes, nor share it with any third party for marketing purposes, unless you consent to its use for these purposes. We also may use the information submitted to ask you follow-up questions about which products you have purchased or are considering purchasing, in order to improve our services and better understand your needs. We may store the information you submit via the Chartis InfoExchange for such period of time as may be necessary, in our discretion, to resolve your enquiry or as may be needed/helpful to Chartis. We may also offer visitors the opportunity to receive special promotions. If a visitor elects to receive such offers (for example by registering to become a member of the Website), we will use the information provided by that visitor to send those offers. We also may use personally identifiable information or IP addresses to provide you with customised content on the Website or to provide you with information most relevant to you.

Can I “opt out” of receiving e-mail promotions from Chartis? 

If you change your mind about receiving promotional e-mails, electronic newsletters or any other promotional or marketing information, you may choose not to receive such communications from us by: (1) following the “unsubscribe” instructions in the specific e-mail from which you wish to opt-out or (2) sending an e-mail to marketing.uk@chartisinsurance.com, specifying the particular e-mail list(s) from which you wish to be removed or by stating that you want us to stop sending any marketing information to you. We will honour your request made pursuant to these methods as promptly as practicable. Even if you elect to stop receiving promotional e-mails from us, we may still contact you to tell you important service information about the Website or us.

How do I access personally identifiable information that Chartis holds about me or request that inaccurate information be corrected?

Under the Data Protection Act 1998, you have a right to request a copy of information that we hold about you. We may make a small charge to provide access to your information. You can also ask us to correct or removed inaccurate information.

Contact our Data Protection Officer by e-mail at DataProtectionOfficer@chartisinsurance.com or by post at Data Protection Officer, The Chartis Building, Chartis Insurance UK Limited, 58 Fenchurch Street, London EC3M 4AB.

Does Chartis share personally identifiable information with other companies?

We will not intentionally share your personally identifiable information with unaffiliated entities except: (1) as described in this Policy or as disclosed at the time your personally identifiable information is provided; or (2) with your consent. We work with third parties who provide services to us, and we may share your personally identifiable information with third parties, including without limitation: website hosting or e-mail hosting or information technology consulting services, marketing and promotion services, newsletters, data analysis, legal services, accounting services, and other administrative, back-up and security services.

We may also disclose personally identifiable information in order to comply with applicable laws and regulations.

In the event there is a change in the corporate structure of Chartis, including, but not limited to, merger, consolidation, sale, liquidation or transfer of substantial assets, we may, in our sole discretion, transfer, sell or assign information collected on and through this Website, including without limitation, personally identifiable information concerning visitors, to one or more affiliated or unaffiliated third parties. Personally identifiable information will, however, still be used in line with this Policy.

What does Chartis do with aggregate information collected on the Website?

Because aggregate information collected on the Website does not personally identify you, we may use aggregate information for any purpose, and share aggregate information with third parties for any purpose. We share the information gathered using cookies, Pixel Tags and other similar technologies with our third party service provider, WebSideStory. WebSideStory gives us reports of this aggregated data. We use this data to improve the Website by responding to our users’ interests and providing more relevant and useful information. For example, we use aggregate information collected on the Website to evaluate how the Website is being used. In addition, we may collect and analyse information about how many visitors arrived at certain pages of the Website, how long they stayed on those pages, and where they went afterwards. This information allows us to determine which pages might be the most interesting to and popular with visitors and enables us to provide visitors with a better and richer experience on the Website. For example, we may use certain aggregate information to improve the performance of our Website. To learn more about WebSideStory’s privacy standards and use of web beacons, please visit: http://www.websidestory.com/privacy/privacy-policy.html. In addition, we may share statistical information derived from the information submitted via the Chartis InfoExchange with third parties; however, such statistical information is not associated with any individual in a personally identifiable manner.

If I link to another site and provide information to that site, how will that information be handled?

This Website may contain links to other websites. The operators of such other websites (whether another Chartis subsidiary or affiliate or a third party) may collect information about you, including through cookies or other technologies. If you link to another site, you will leave this Website and this Policy will not apply to your use of and activity on those other sites. If you provide personally identifiable information through any such site, your transaction will occur on that site (not this Website) and the personally identifiable information you provide will be collected by, and controlled by the privacy policy of, that site’s operator. Links on this Website to other websites are provided only as a convenience, and the inclusion of such links does not imply endorsement of the linked site. We encourage you to read the legal notices posted on those sites, including their privacy policies. We shall have no responsibility or liability for your visitation to, and the data collection and use practices of, such other sites. This Policy applies solely to online information collection and use practices in connection with this Website; it does not apply to any practices conducted offline or in connection with other websites owned or operated by any third parties.

What information can third parties collect through the Website?

We may use third party advertisement serving companies (“Advertisers”) to serve advertisements on the Website.  Please be advised that such Advertisers may use cookies, Pixel Tags and other technologies to, among other things, enable such Advertisers to monitor which ads have been served to your browser and which Website pages you were viewing when such ads were delivered.  If you would like more information about these practices or your choices regarding the collection and use of this information by Advertisers, please visit: http://www.networkadvertising.org/.  PLEASE NOTE THAT THIS POLICY DOES NOT COVER THE COLLECTION AND USE OF INFORMATION BY ADVERTISERS. 

How does Chartis protect the information I provide to the Website?

We comply with our responsibilities as a data controller to keep personally identifiable information secure under the Data Protection Act 1998. We take reasonable precautions to safeguard the personally identifiable information transmitted between visitors and the Website and the personally identifiable information stored on our servers. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, although we strive to protect your personally identifiable information, we cannot ensure the security of any information you transmit to us through or in connection with the Website. No method of transmitting or storing data is completely secure. If you have reason to believe that your interaction with us is no longer secure, you must immediately notify us of the problem by contacting us at market.uk@chartisinsuance.com/uk . In the unlikely event that we believe that the security of your personally identifiable information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavour to do so as promptly as possible under the circumstances, and, to the extent we have your e-mail address, we may notify you by e-mail.

 Where will Chartis store and maintain information about me?

The Website is maintained on our behalf in the United States.  Further, please note that any communication you send to a “chartisinsurance.com” e-mail address will necessarily be routed through the United States.  By providing personally identifiable information and other information to this Website, and/or by sending a communication to a “chartisinsurance.com” e-mail address, you understand and consent to the collection, use, processing, disclosure and transfer of such information to the United States and other countries or territories, which may not offer the same level of data protection as the country where you reside, in accordance with the terms of this Policy.

Can Chartis change this Policy?

Yes. We reserve the right to change this Policy in order to address future developments of Chartis, the Website or changes in industry or legal trends. Depending on the nature of the change, we will either: (1) announce the change on the home page of the Website or (2) take such other action as we deem appropriate under the circumstances, including without limitation, posting the revised draft of this Policy on the Website.

You can determine when this Policy was last revised by referring to the "Last Updated" reference at the bottom of this page. Any changes to this Policy will become effective upon posting of the revised Policy on the Internet, accessible through the Website. By continuing to use the Website following such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Policy, as it may be amended from time to time, in whole or part, please do not continue using this Website.

Copyright 2009 Chartis Insurance UK Limited
Last Updated: 23 October 2009