Privacy Policy – Clear Insurance Ireland

All personal data we gather will be processed in accordance with all applicable data protection laws and principles, including the GDPR and the Data Protection Acts 1988 – 2018 and, any other law and regulatory requirements relating to the processing of personal data and to privacy including, Directive 2002/58/EC and the European Communities (Electronic Communications Networks and Services) (Privacy and Electronic Communications) Regulations 2011.

There are various circumstances where we may share personal data with third parties. Clear Insurance Ireland / Techinsure.ie will make your information available to third parties with whom we have a relationship to provide services on our behalf. We will only provide to those third parties the information that is necessary for them to perform the services and where there is a lawful basis to do so.

Clear Insurance Ireland / Techinsure.ie may share relevant personal information with the following categories of third parties:

• Any insurer that is a party to an Clear Insurance Ireland / Techinsure.ie product that you have applied for or contracted for
• Any co-insurers for which we act as brokers
• Credit referencing agencies to assess your credit score where this is a condition of us entering into a contract with you and/or to other insurers through various databases to help us check information provided and also to prevent fraudulent claims
• Any prospective seller or buyer of any business or assets related to the site, an Clear Insurance Ireland / Techinsure.ie product or all or part of Clear Insurance Ireland / Techinsure.ie
• Any business partners, suppliers and sub-contractors who operate as a processor on our behalf. for the performance of any contract we enter into with them or you.
• Selected third parties to provide you with information about goods and services that may interest you. You may opt out of receiving such offers or change your preferences at any time.
• Outsourced providers regulated and unregulated

We have a duty to disclose or share your personal information with a third party in order to comply with any legal obligation, or in order to enforce or apply our terms of business and other agreements, or to protect the rights, property or safety of our group of companies, Clear Insurance Ireland / Techinsure.ie insurers related to an Clear Insurance Ireland / Techinsure.ie product or others. This includes exchanging information with third parties such as Government agencies for the purposes of fraud protection, anti-money laundering, credit risk reduction or criminal activity.

If you hold insurance against a liability that may be incurred by you against a third party, where for whatever reason you cannot be found or you become insolvent, or the court finds it just and equitable to so order, then your rights under the contract will be transferred to and vest in the third party even though they are not a party to the contract of insurance. The third party has a right to recover from the insurer the amount of any loss suffered by them. Where the third party reasonably believes that you as policyholder have incurred a liability the third party will be entitled to seek and obtain information from the insurer or from any other person who is able to provide it concerning:

• The existence of the insurance contract,
• Who the insurer is
• The terms of the contract, and
• Whether the insurer has informed the insured person that the insurer intends to refuse liability under the contract

We take steps to ensure that any third-party who handles your information comply with data protection legislation and protect your information just as we do. We only disclose personal information that is necessary for them to provide the service that they are undertaking on our behalf.

For marketing purposes, we may contact you in relation to special offers, competitions, products and services from Clear Insurance Ireland / Techinsure.ie via email, post, SMS and phone.
We process information you give to us and information we receive about you from other sources,

• To provide you with the information about other goods and services that we offer which are similar to those that you have already purchased or enquired about
• For occasional market research and statistical purposes. You may ‘opt out’ of participating in such market research at any time.
• To provide or permit selected third parties to provide you with information about goods and services that may interest you. If you do not wish us to use your information in this way, or to pass your details on to third parties for marketing purposes please tick the relevant box on the form on which we collect your information
• To send you offers, with your consent, for products which we feel relevant to your needs
• To measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you.

Where we rely on consent for marketing purposes, consent will always be provided in the form of a clear opt-in. You have the right to withdraw your consent at any time using the unsubscribe link on emails/ text messages, alternatively you can contact us using the contact details listed in this Privacy Notice to opt-out of future marketing communications from Clear Insurance Ireland/Techinsure.ie
 
Where we rely on Legitimate Interest (to develop and grow our business) to communicate with you for marketing purposes. We will always provide you with an option to opt-out at the point of data collection and within each communication thereafter. Additionally, you can use the contact details listed in this Privacy Notice to opt-out of receiving future marketing communications.

Part of our ongoing business strategy involves choosing the best products for our customers’ needs.
We may use analytics and search engine providers that assist us in the improvement and optimisation of our site. This is to ensure that content from our site is presented in the most effective manner for you and your computer.

You can choose not to give us personal information, however this may have an effect on you. We may need to collect personal information by law, or to enter into or fulfil a contract we have with you. If you choose not to give us this personal information, it may delay or prevent us from fulfilling our contract with you or doing what we must do by law. It may also mean that we cannot provide you with a quote or manage your policies with us which means we may need to cancel a product or service you have with us.

You have the right to know what personal data we hold on you, why we hold the data, and how we are using the data.
When submitting a request, please provide us with as much information as possible to help us identify the information you wish to access (i.e. specific dates).

You have a right to request that the personal data held in relation to you is up to date and accurate.

Where information is inaccurate or incomplete, we encourage you to contact us to have this information rectified. Upon receipt of your request, we will ensure that the personal data is rectified and as up to date as is reasonably possible.

You have the right to seek the erasure of personal data relating to you in the following circumstances:

• The personal data is no longer required for the purposes for which it was obtained.
• Where the use of the data is only lawful on the basis of consent, you withdraw consent to the processing and no other lawful basis exists.
• The personal data is being used unlawfully.
• You object to the use of your personal data and there are no overriding legitimate grounds for the use of the data
• Your personal data requires deletion in line with legal requirements.
  However, we will be unable to fulfil an erasure request if the personal data is required for any of the below activities:
• Exercising the right of freedom of expression and information.
• Compliance with a legal obligation, such as the performance of a contract (i.e. your insurance policy or quote) or compliance with certain legislation, for example we have a legal requirement, to keep your policy data for at least 6 years.
• For the performance of a task carried out in public interest
• For public health reasons.
• Archiving, research, or statistical purposes in the public interest.
• The establishment, exercise or defence of legal claims.

You have the right to restrict the extent for which your personal data is being used by us in circumstances where:

• You believe the personal data is not accurate (restriction period will exist until we update your information).
• The processing of the personal data is unlawful, but you wish to restrict the use of the data rather than erase it.
• Where the personal data is no longer required by us, but you require the retention of the data for the establishment, exercise, or defence of a legal claim.
• You have a pending objection to the future use of your personal data.

When the use of your data has been restricted, your personal data will only be further used: with your consent; for the establishment, exercise or defence of legal claims; for the protection of the rights of other people; or for reasons important to public interest.

You have the right to the provision of all personal data that you have provided to Clear Insurance Ireland / Techinsure.ie in relation to you in a structured, commonly used machine-readable format where:

• The lawfulness of the use of your personal data by us is reliant on the basis of a contract
• The lawfulness of the use of your personal data by us is reliant on the provision of your consent
• The data is being utilised by fully automated means.
   

We will refuse such a request if the data being requested may adversely affect the rights and freedoms of others.

You have the right to object to the further use of your personal data where:

• The lawful basis for the use of your personal data by us is reliant on the basis of our legitimate interests
• Where personal data is being processed for the purposes of direct marketing or profiling related to direct marketing

You have the right not to be subject to a decision based solely on automated processing or profiling, where such decisions would have a legal effect or significant impact on you.

Where we (or one of our third-party processors) use profiling, which produces legal effects for you otherwise significantly affect you, you will have the right to object to such processing.

Where we are processing your personal data on the legal basis of consent, you are entitled to withdraw your consent at any time.

You are entitled to know whether we hold information about you and, if we do (subject to certain limitations), to have access to that information and have it corrected if it is inaccurate or out of date.

To exercise your rights under the GDPR please contact the Data Protection Officer at Clear Insurance Ireland Ltd T/a Clear Insurance Ireland & Techinsure.ie Building 5200 Cork Airport Business Park Cork City with proof of identity or email us at dataprotection@thecleargroup.com
 
You must contact us if any of your details change so that we can keep your information accurate and up to date.

Please send all your requests to dataprotection@thecleargroup.com  with as much details as possible regarding your requirements to allow us to deal with your request efficiently. To answer your request, we may ask you to provide identification for verification purposes. All the above requests will be forwarded on should there be a third party involved as we have indicated in the processing of your personal data.

Once we receive your request, we will have 30 days to provide a response, with an extension of two further months if required. If we need more time to deal with your request, we will contact you about the delay, within one month of the receipt of your request. If we refuse your request, we will let you know within one month of the receipt of your request and provide you with the reason we refused the request.

You are entitled to contact the Data Protection Commission if we refuse your request.

We will not charge a fee for any requests, provided we do not consider them to be unjustified or excessive. If we do consider requests to be unjustified or excessive, we may charge a reasonable fee (also for multiple copies) or refuse the request.

Clear Insurance Ireland / Techinsure.ie will take care to make sure your data is protected and safeguarded. In the unlikely event of a data breach, we will contact you in line with our legal obligations.

Data will not be held for longer than is necessary for the purpose(s) for which it was obtained. This means that the period of time for which we store your personal data may depend on the type of data we hold. To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements. Clear Insurance Ireland / Techinsure.ie will process personal data in accordance with our retention schedule. This retention schedule has been governed by our regulatory body (Central Bank of Ireland) and our internal governance.

Clear Insurance Ireland / Techinsure.ie has acquired a number of companies or books of business, as a result of this we are deemed the data controller of any lapsed policy data. We retain legacy data for a minimum of six years in line with our obligations as set out by the Central Bank of Ireland. We may also be required to retain data for more than 6 years by the insurer or underwriter of the policy in certain circumstances, for example in cases where there’s a claim in progress or reported. Below is a list of companies for which we securely store legacy data;

• MBC Insurance
• Phelan Caswell Insurances
• E.B.I.B. Insurances 

Prior to arranging an insurance product or service we may use automated (computer based) decision making. For example, before we can arrange an insurance product or service for you, we must obtain a quotation from an Insurer’s Rating Engine which will carry out a real-time automated assessment to determine the insurance risks based on the information that you have supplied. This will be used to determine if the Insurer can provide you with a policy and to calculate the premium you will have to pay to arrange cover with them. The results of the automated decision making may limit the products or services that Clear Insurance Ireland / Techinsure.ie an provide to you. If you do not agree with the result or if you have any concerns, you have the right to request to speak to a staff member to seek clarification.

Clear Insurance Ireland / Techinsure.ie intent is to strictly protect the security of your personal information, to honour your choice for its intended use and to carefully protect your data from loss, misuse, unauthorised access or disclosure, alteration or destruction. We have taken appropriate steps to safeguard and secure information we collect online, including the use of encryption when collecting or transferring sensitive data. However, you should always take into consideration that the internet is an open forum and that data may flow across networks with little or no security measures, and therefore such information may be accessed by other users other than those you intended to access it.

All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. All of our staff are provided with training to ensure that your information will be used only in adherence with our privacy statement and the data protection laws applicable. Employees who misuse customer information are subject to disciplinary action.

Data saved on our digital platform will be saved on our existing back office software systems.

Where we have given you (or where you have chosen) a password which enables you to access certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

It may be necessary to transfer your personal information to other group companies or service providers located in countries outside of the European Economic Area (EEA). The types of processing may include, the fulfilment of your order, the processing of your payment details and the provision of support services. Clear Insurance Ireland / Techinsure.ie will take all reasonable steps necessary to ensure that your information is treated securely and in accordance with our Privacy Notice.
 
If we transfer personal data to a third party or outside the EEA we, as the data controller, will ensure the recipient has the necessary protections in place, such as Standard Contractual Clauses or an Adequacy Decision.

This website may contain links to other websites. Clear Insurance Ireland / Techinsure.ie is not responsible for the privacy practices or the content of such websites.

Clear Insurance Ireland / Techinsure.ie may modify or update this Privacy Notice from time to time without prior notice. When a change is made, we will post a revised version online. Changes will be effective from the point at which they are posted. It is your responsibility to review this Privacy Notice periodically so that you are aware of any changes. We encourage you to check this Privacy Notice often so that you can be aware of how we are protecting your personal information. Your continued use of our website constitutes your consent to the contents of this privacy notice.