Collection of Information

Gold Cover Insurance Services Ltd (referred to as GCIS in the remainder of this document) are committed to protecting your privacy. We will only use the information that we collect about you lawfully (in accordance with the Data Protection Act 1998).

We collect information about you for two reasons: first, to process your order and second, to provide you with the best possible service.

We will not e-mail you in the future unless you have given us your consent.

Information We May Provide to Others

We only disclose information about our applicants, customers and former customers as permitted or required by law in conjunction with our normal insurance service operations, such as:

• in the processing of an insurance claim;
• in connection with a legal proceeding;
• with government agencies which conduct examinations of our procedures.

Security of Personal Information

Access to the information you submit is limited to those employees who have legitimate business needs for such information with respect to the insurance policies you purchase. We maintain physical, procedural and electronic safeguards to protect the privacy and confidentiality of your nonpublic personal information.

Data Protection

GCIS collects and maintains personal information from you in order to carry out its functions as a provider of insurance products. All personal information that is submitted is treated with the utmost confidentiality and with appropriate levels of security.

This information is used to manage the issuance of an insurance policy, including underwriting and claims handling, and may be stored as computer records and/or paper files to assist us to complete transactions, or follow up discrepancies, complaints or queries. Details may also be submitted to regulatory authorities and auditors. We only use the information that we collect about you lawfully (in accordance with the Data Protection Act 1998).

Internet Data Transfer

The GCIS website does not contain any code or application designed to obtain any kind of information about you from your computer, apart from what is required to establish a connection and transfer content between the GCIS website and your computer.

The GCIS host servers do obtain information about the number of connections to it, this data may contain details such as your IP address, the kind of operating system you are using and the version of your internet browser. This information is used only for the purposes of analysing the traffic to the website. It does not contain any kind of data about you which may be classified as personal or private.

Cookies

The GCIS website uses "cookies" to track visitor navigation. "Cookies" are small text files stored on your computer which identify it to our website. Cookies do not contain viruses, and the cookies stored on your computer by the GCIS website do not contain any kind of personal, private or sensitive information. They are used by GCIS simply to track navigation and remember data and preferences submitted by the visitor. Cookies can be disabled on your browser, though this may hamper your ability to effectively obtain a quote and purchase a policy from our website.

Email

We do not guarantee the security of emails sent through standard web forms or non-secure connections and protocols. GCIS accepts no liability for loss or theft of sensitive data submitted through these media and does not recommend the transfer of sensitive data via these methods.

Sensitive Data

Any sensitive data supplied by you in order to purchase an insurance policy such as dates of birth or health details will be used only for the purpose specified at the time of submitting this data. This data is not supplied to any external sources except the insurers or their appointed agents, and is used only within GCIS purely for the stated purpose.

We do however reserve the right to provide this information when we are legally obliged to official bodies such as the Police, the Courts or other organisations investigating insurance fraud.

Transaction Security

GCIS utilises secure services to protect any financial transactions carried out on it's website. Information such as credit card details are automatically protected using a Secure Socket Layer (SSL) between your computer and ours. SSL prevents impersonation. Click on the padlock symbol at the bottom of the screen to reveal our registration certificate issued by Thawte, a leading internet security company. SSL also encrypts data from the time it leaves your computer, till when it reaches us, so there is almost no chance of your details being stolen or hijacked as it travels over the internet.

GCIS does not however guarantee the security of your personal information when processed through the Site and the Internet and we cannot accept liability for loss or theft of your personal details when processed on the Site and/or over the Internet.

Statutory Rights

By entering into a contract of insurance you will take on certain obligations and grant certain powers to the insurer. Nothing contained in this contract affects your rights as a consumer.