SNOWBALL– SECURITY & PRIVACY

Snowball is a trading name of OBC Insurance Consultants Ltd. Registered in England and Wales 320321 Registered office One Arleston Way, Solihull, B90 4LH. OBC Insurance Consultants Ltd. are a subsidiary of Arbuthnot Banking Group PLC.

This Security & Privacy Statement lays out the data processing practices carried out through the use of the Internet and the World Wide Web by Snowball.

How your personal information is used

Your “personal information” means any information that we have obtained from you or third parties in connection with a service or product provided to you that is held now or at any time in the future by Snowball or the Arbuthnot Banking Group PLC. We take your privacy very seriously and will respect your personal information.

Collection of information

Snowball collect information fairly and lawfully in accordance with the Data Protection Act 1998 (as amended and updated from time to time). We may collect personal information directly from you when you ask for a quote or as a result of the purchase of a product or service from us. We will do our best to ensure that your details are kept accurate and up to date and we would ask you to assist us in doing so by notifying us of any changes.

We are constantly striving to improve the quality of our service and the efficiency of our systems and so, from time to time, we may use your personal information to help us to do this. In the interests of security, we may monitor and/or record your telephone calls with us.

Exchange of information

We exchange information with other approved organisations for underwriting and fraud prevention purposes and we may provide such information to others where required or permitted by law.
We and other companies in Arbuthnot Banking Group will use and analyse your personal information for the following purposes:
• managing and administering products and services that we supply - in the case of insurance products this will include underwriting, reinsurance and claims handling purposes and may include disclosing your information to other insurers, reinsurers, regulatory authorities or to our agents who provide services on our behalf;
• considering any applications for products you may make and to help in making credit-related decisions about you where appropriate;
• servicing other relationships you may have within the Arbuthnot Banking Group;
• financial risk assessment, money laundering checks, compliance and regulatory reporting and fraud prevention;
• assisting in making decisions on insurance proposals, other products and any claims made by you, members of your household, and others connected with your insurance proposals and claims; and
• helping us and the Arbuthnot Banking Group to develop new and innovative products and services.

Your personal information will only be disclosed to a third party outside of the Arbuthnot Banking Group if such third party has agreed to keep your personal information strictly confidential and use it only for the purpose for which we provide it to them and:
• it is necessary for the performance of an agreement we have with you;
• you have given your consent to the disclosure;
• such disclosure is required or permitted by law;
• we are entitled to transfer rights and/or obligations as provided under the terms of any policy you may purchase;
• any such third party provides benefits or services to you under or in connection with our agreement with you; or
• it is a credit reference or fraud prevention agency.

Preventing and detecting fraud

To prevent and detect fraud, we may do the following at any time.
• Share information about you across the Arbuthnot Banking Group with other insurers and, where we are entitled to do so under the Data Protection Act 1998, the police and other law enforcement agencies
• Check your details with fraud prevention agencies and, if you give us false or inaccurate information and we suspect fraud, record this with the fraud prevention agency. We and other organisations may also use and search these records to:
- help make decisions about credit and credit-related services for you and members of your household
- help make decisions on motor, household, credit, life and other insurance proposals and claims for you and members of your household;
- trace people who owe money, recover debt, prevent fraud and to manage your insurance policies;.

Motor Insurance Database

If you take out a motor insurance policy your policy details will be added to the Motor Insurance Database (“MID”), run by the Motor Insurers’ Information Centre (“MIIC”). MID data may be used by the Driver and Vehicle Licensing Agency and the Driver and Vehicle Licensing Northern Ireland for the purpose of electronic vehicle licensing and by the police for the purposes of establishing whether a driver’s use of a vehicle is likely to be covered by a motor insurance policy and for preventing and detecting crime. If you are involved in an accident, whether in the UK or abroad, other UK insurers, the Motor Insurers’ Bureau and MIIC may search the MID to obtain relevant policy information.
Persons pursuing a claim in respect of a road traffic accident (including citizens of other EU countries) may be entitled to access relevant information held about you on the MID. You can find out more about this at www.miic.org.uk .


Credit reference agencies

In processing any application you may make for credit, we may contact credit reference agencies who will record any such enquiry. They may supply us with credit information, including information from the electoral register. If we provide you with credit, we will provide details of your account and how you manage it to credit reference agencies. If you fail to make any repayments in full and on time, we may tell credit reference agencies, who will keep a record of any outstanding debt.
If you or other members of your household apply for credit, insurance, or other financial services then we, the Arbuthnot Banking Group, other credit providers and other insurance companies may use search records and any other information provided to credit reference agencies for occasional debt tracing, claims assessment and fraud prevention purposes. The Arbuthnot Banking Group, credit reference agencies and fraud prevention agencies will also use the records for statistical analysis.
An association between joint applicants and/or any individual identified as your financial partner will be created at credit reference agencies, which will link your financial records. You and anyone else with whom you have a financial link understand and agree that each other's information will be taken into account in future applications by either or both of you. This linking will continue until one of you successfully files a “disassociation” with credit reference agencies.

Use of personal information for marketing purposes

From time to time we may send information regarding products that we perceive may be of interest to you. You may receive this information by letter, telephone or email. If you have not previously objected to us using your personal information for direct marketing purposes and you do not wish to receive this information you can telephone us at any time or contact the Data Protection Officer at the address below:

Data Protection Officer at: Snowball Insurance Services, PO Box 4711 Wolverhampton
WV1 9DZ

You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. Currently this fee will not exceed £10. If you would like a copy of the information held on you, please write to: The Data Protection Officer at the above address.
If you believe that any information we are holding on you is incorrect or incomplete, please write or e-mail us as soon as possible to the above address. We will correct any information which is found to be incorrect.

Please be assured that we will not make your personal details available to any companies outside the Arbuthnot BankingGroup to use for their own marketing purposes.

Dealing with other people

It is our policy to deal with your spouse or partner calling on your behalf (if named on the policy, where applicable). If at any time you would prefer us to deal only with you, please call to let us know.
If you would like someone else to be able to deal with your policy for you on a regular basis please let us know. In some exceptional circumstances we may also deal with other people who call us on your behalf, with your consent.

Please note that we will not reveal any credit or debit card numbers to anyone other than the policyholder.

Automatic renewals

For customers who have taken out an insurance policy and who have taken advantage of our automatic renewal service, we will retain your payment details in order to continue to deduct premiums when your policy is renewed.

Sensitive personal information

In order to provide you with some of our products or services, we may need to collect and process sensitive personal information (such as information regarding any criminal convictions you may hold or the state of your health) about you and others who may be a party to the product or service you wish to purchase. We will only use sensitive personal data for the specific purpose for which you provide it. Please ensure that you only provide us with sensitive information about other people with their express agreement.

Use of this website

These terms and conditions contain all the terms which we and you have agreed in relation to the use of the website.

Please note that we make this website available to you at our discretion and as such we may terminate your access at any time without notice. Your continued use of this website indicates your acceptance of these terms and conditions.

This website has been designed exclusively for users to access from the United Kingdom (UK). We cannot, therefore, guarantee that the website or the information held within this website is appropriate for places other than in the UK. It is controlled and operated from the UK. The formation, existence, construction, performance, validity in all aspects whatsoever of these terms and conditions or of any term of these terms and conditions or any dispute in relation to the materials contained in this website shall be governed by English law. The English and Welsh courts shall have exclusive jurisdiction to settle any disputes which may arise out of or in connection with these terms and conditions or use of the website.

Disclaimer of liability

IMPORTANT - PLEASE NOTE:

We will not be responsible to you for any loss or damage you may suffer (however it may arise including our negligence) as a result of your access to or use of this website or any materials on this website except where the loss or damage is:
• death or personal injury due to our negligence;
• caused by our fraud;
• caused by any other matter for which it would be illegal for us to exclude or attempt to exclude our liability.

We accept no liability in connection with any virus, defect, error, omission, or system failure associated with the connection to this web site or any links to third party sites.

The information given on this website is given in good faith and for general information and interest only. It is subject to change without notice. We are not responsible for any inaccuracies.

Nothing on this website is intended to be nor should be construed as an offer to enter into a contractual relationship.