Common use of Confidentiality and Data Protection Clause in Contracts

Confidentiality and Data Protection. In your dealings with us you may provide us with information that may include data that is known as personal data. Where we process personal data we company with statutory data processing requirements as set out by the Data Protection Xxx 0000. The personal data we will include information relating to your name, address, date of birth and contact details and health and criminal offences. We will process your personal data to allow us to provide you with our services as your insurance broker in quoting for, arranging and administering your insurances. Your personal data will also be used to manage future communications between ourselves. Where you have agreed, or in circumstances where to do so will be in our mutual interests, your personal data will be used to provide you with further information about our wider products and services. You can opt out of receiving such communications by emailing enquiries @xxxx.xx.xx In processing personal data for insurance purposes about health or criminal convictions, we will only do so to enable us to provide our service to you and on the basis of it being in the public interests. We will only use your data for the purpose for which it was collected. We will only grant access to or share your data within our firm or other firmness associated with us and with other authorised third parties and service providers such as insurer’ and other intermediaries, where we are entitled to do by law under lawful data processing. The Data Protection Xxx 0000 provides you with Access Rights that allow you to gain an understanding on the data being processed, who we share it with, for what purpose, why we need to retain it and retention period to object to the processing and to place restrictions on processing, to request copies of data and to request deletion of your data. If you require further information on how wee process your data or you wish to exercise your rights, please contact us In writing Data Privacy Representative RMCI 0/0 Xxxxxxx Xxxxx Xxxxxxx Xxxx Xxxx Xxxxxx XX00 0XX By phone: Telephone: 00000000000 By E-Mail: x.xxxxxxx@xxxx.xx.xx How we process your data is detailed within our Privacy Notice.

Confidentiality and Data Protection. In This is a summary of how we use your dealings with us you may provide us with information that may include data that is known as personal and sensitive data. Where You can find our full privacy statement on our website or we process personal can provide this to you on request. You should review this to ensure that you understand how your data we company with statutory data processing requirements as set out by the Data Protection Xxx 0000. The personal data we will include information relating to be used and your name, address, date rights in respect of birth and contact details and health and criminal offencesyour data. We will process comply with Data Protection Law whenever we are processing information about you which is sensitive or personal in nature and we have policies and procedures in place to protect and manage that information. We treat all such information about you as private and confidential and we will always work to ensure that your personal data is processed lawfully, fairly and in a transparent manner and in compliance with Data Protection Law. This may include entering into other written agreements with you to allow enable us to comply with Data Protection Law. We will however need to use and disclose the information we have about you in order to obtain insurance quotations and in the course of arranging, placing or administering insurance cover for you. This may involve passing information about you on to insurer(s), other intermediaries, risk management assessors, uninsured loss recovery agencies, service providers, industry regulators, auditors and other third parties involved directly or indirectly in your insurance cover. The use and disclosure of personal data by various insurance market participants such as intermediaries, insurers and reinsurers are further explained in the Lloyd’s and London Insurance Market Core Information Notice. Our core uses and disclosures are consistent with this notice and we recommend that you review this document which can be accessed via the link in our privacy notice. Depending on the circumstances or nature of your insurance the disclosure of your personal information to any of the organisations referred to above may involve transfer out of the jurisdiction of the European Economic Area. If this is necessary we will always ensure that your data is protected as required by Data Protection Law. We may need to use your data for research, statistical analysis and crime prevention including the investigation of fraud. Such activities may be carried out by third parties and we will always ensure that our contracts with such third parties are compliant with Data Protection Law. Sometimes we also pass information about you on to other companies which are part of HIG and we or they may use the information to provide you with our services as your insurance broker in quoting for, arranging and administering your insurances. Your personal data will also be used to manage future communications between ourselves. Where you have agreed, or in circumstances where to do so will be in our mutual interests, your personal data will be used to provide you with further information about our wider products and services. You can opt out or services which may be of receiving such communications by emailing enquiries @xxxx.xx.xx In processing personal data for insurance purposes about health or criminal convictions, we will only do so interest to enable us to provide our service to you and on the basis of it being in the public interestsyou. We will only use do this, however, in accordance with our obligations under the Data Protection Law. In some circumstances, we will need to pass information about you on to credit reference agencies and premium finance providers in connection with the assessment of your financial standing generally and in particular where you have requested a premium instalment plan. This may include details of your payment record to us. Where using your personal data for the purpose for which it was collectedrelies on your consent, we will obtain your consent in accordance with Data Protection Law and you will be entitled to withdraw that consent. We will only grant access to or share your data within our firm or other firmness associated with us and with other authorised third parties and service providers such as insurer’ and other intermediariesThat may mean, where however, that we are entitled unable to do by law under lawful data processing. The Data Protection Xxx 0000 provides you with Access Rights that allow you to gain an understanding on the data being processedarrange, who we share it with, for what purpose, why we need to retain it and retention period to object to the processing and to place restrictions on processing, to request copies of data and to request deletion of or administer your datainsurance cover properly. If you require further have supplied us with personal or sensitive personal information relating to another individual or a third party, you must ensure that you have done so in compliance with Data Protection Law and provide the information to them which is required to be provided to individuals under Data Protection Law. This includes making them aware of their rights and of how we use their data and obtaining their consent where it is required in accordance with Data Protection Law. In some cases you have the right to ask us to stop using your data, to tell us that you no longer want to receive information from us, to ask us to correct information we have about you or to ask us for the information we hold about you. Full details of your rights under Data Protection Law and how to enforce those rights are set out in our privacy statement on how wee process your data or you wish to exercise your rightsour website, please contact us In writing Data Privacy Representative RMCI 0/0 Xxxxxxx Xxxxx Xxxxxxx Xxxx Xxxx Xxxxxx XX00 0XX By phone: Telephone: 00000000000 By E-Mail: x.xxxxxxx@xxxx.xx.xx How which we process your data is detailed within our Privacy Noticecan also supply on request.

Confidentiality and Data Protection. In your dealings with us you may provide us with information that may include data that is known as personal data. Where we process personal data we company with statutory data processing requirements as set out by We are committed to the observance and fulfilment of the provisions in Singapore's Personal Data Protection Xxx 0000Act 2012 (the "PDPA") and other obligations of confidentiality placed upon us as a licensed insurance intermediary. The In the course of providing our services to you, we may collect personal data we will include information relating to such as your name, address, email address, telephone number, date of birth and contact birth, gender, marital status, financial details and health and criminal offencesemployment details. We may also need to collect further information about you such as criminal convictions or health information for particular insurance cover that you have requested. As part of corporate efficiency, we have adopted cloud-based solutions in our processes which means that your personal information will process be transferred to our affiliates, related corporations and service providers, among others, located overseas. We have taken steps to ensure that personal information transferred overseas continues to receive a standard of protection at least comparable to that under the PDPA. All personal information will be held under secure conditions to preserve its confidentiality. We may, however, disclose the information provided by you in the course of arranging, placing and administering your insurance cover. This may involve passing personal information to our affiliates, related corporations, insurer(s), other intermediaries, risk management assessors, uninsured loss recovery agencies, service providers, industry regulators, law enforcers, our auditors and other third parties involved directly or indirectly in your insurance cover. Sometimes that may involve transferring personal data across international borders, in accordance with applicable law. In respect of any personal data of any other individuals, such as your dependents, which you may from time to time disclose to us, you must prior to disclosing such personal data to allow us to provide you with our obtain their consent and make them aware of how we may use and disclose personal information. We may use personal information to: • Provide products and services as your insurance broker in quoting forrequested by you; • Administer, arranging maintain, manage, renew and administering your insurances. Your personal data will also be used to manage future communications between ourselves. Where you have agreed, or in circumstances where to do so will be in our mutual interests, your personal data will be used to provide you with further information about our wider operate those products and services; • Determine eligibility and process applications for products and services; • Understand and assess ongoing needs; • Carry out billing; • Administer claims; • Market products, services, offers or events that may be relevant to you, where you have consented to that, and conduct checks with do not call registries; • Conduct checks to comply with anti-money laundering and anti-terrorism financing requirements; • Comply with applicable laws, rules, regulations, guidelines, codes of practice, orders or requests by any court, regulatory authority, law enforcement authority or other government official; and/or • As may be additionally stated within our full data protection policy. You Our full data protection policy can opt out be found on our website: xxxxx://xxx.xxxxxxxxxxx.xxx/sg-en/howden-privacy-data- protection-policy. By disclosing personal information to us, you consent to all of the above. The primary point of contact for all data protection requests and enquiries is through our data protection officer, at xxx@xx.xxxxxxxxxxx.xxx 6 Client Money Client money is any money that we receive and hold in the course of arranging or administering insurance on your behalf, or which we treat as client money, in accordance with the industry regulations stipulated by MAS. Insurance Broking Premiums accounts MAS requires us to establish and maintain separate accounts with a bank licensed with MAS in the respect of the carrying on of business which we are registered for. This client money is segregated from our own money. Risk transfer Where we have agreed in writing with an insurer to receive money as their agent, money received from you or from the insurer, will be the property of the insurer whilst we hold it. If you pay a premium to us it will be treated as having been received by the insurer, which means you cannot be asked to pay it again, even if we do not pay the premium to the insurer. Similarly, once we have received the premium, we would be unable to return it to you, for example in the event of the insurer becoming insolvent. Also, if the insurer pays claims money or a return premium to us for onward transmission to you and we do not pay you, then the insurer will still be liable to you. Interest on client money We may earn interest on cash amounts held and may benefit from foreign exchange differentials and returns on segregated designated investments. These cash amounts can include premiums and claims amounts due to insurers and/or clients. As permitted by MAS, any such interest or investment returns before the agreed credit period with insurers shall belong to us and we shall not be required to account for it to you. Payment to third parties We may transfer client money to another person, such as another broker or settlement agent, for the purpose of effecting a transaction on your behalf. Where we act as agent of an insurer for the purposes of holding or receiving such communications by emailing enquiries @xxxx.xx.xx In processing personal data for insurance purposes about health claim payments or criminal convictionsreturning premiums, we will only do so remit them to enable such parties as the insurer directs us to provide our service pay. We may otherwise only pay client money to you or your duly authorised representative if we have your specific instruction or consent. Where an intermediary or settlement agent is outside Singapore, the legal and on regulatory regime applying to the basis of it being intermediary or settlement agent will be different from that applicable in Singapore and, in the public interests. We will only use your data for event of a failure of the purpose for which it intermediary or settlement agent, the client money may be treated differently than if the client money was collected. We will only grant access to held by a broker or share your data within our firm or other firmness associated with us and with other authorised third parties and service providers such as insurer’ and other intermediaries, where we are entitled to do by law under lawful data processing. The Data Protection Xxx 0000 provides you with Access Rights that allow you to gain an understanding on the data being processed, who we share it with, for what purpose, why we need to retain it and retention period to object to the processing and to place restrictions on processing, to request copies of data and to request deletion of your data. If you require further information on how wee process your data or you wish to exercise your rights, please contact us In writing Data Privacy Representative RMCI 0/0 Xxxxxxx Xxxxx Xxxxxxx Xxxx Xxxx Xxxxxx XX00 0XX By phone: Telephone: 00000000000 By E-Mail: x.xxxxxxx@xxxx.xx.xx How we process your data is detailed within our Privacy Noticesettlement agent in Singapore.

Confidentiality and Data Protection. In your dealings with us you may provide us with information that may include data that is known as personal data. Where we process personal data data, we company comply with statutory data processing requirements as set out by the Data Protection Xxx 0000Act 2018 and the UK-retained provisions of the EU General Data Protection Regulation (UK GDPR). The personal data we will collect will include information relating to your name, address, date of birth and contact details details, and health and ‘health’ or ‘criminal offences. .’ We will process your personal data to allow us to provide you with our services as your insurance broker in quoting for, arranging and administering your insurancesinsurances (and in arranging insurance premium finance. Your personal data will also be used to manage future communications between ourselves. Where you have agreed, or in circumstances where to do so will be in our mutual interests, your personal data will be used to provide you with further information about our wider products and services. You can opt out of from receiving such communications by emailing enquiries @xxxx.xx.xx e-mailing xxxxxxxxx@xxxxxxxxxxxx.xx.xx In processing personal data for insurance purposes about health or criminal convictionsoffences, we will only do so to enable us to provide our service to you and on the basis of it being in the public interestsinterest. We will only use your data for the purpose for which it was collected. We will only grant access to or share your data within our firm or other firmness associated with us and with other firm, authorised third parties and product and service providers such as insurer’ insurers and other intermediaries, premium finance providers where we are entitled to do so by law under lawful data processing. The Data Protection Xxx 0000 Act 2018 provides you with Access Rights that allow you to gain an understanding on the data being processed, who we share it with, for what purpose, why we need to retain it and retention period periods, to object to the processing and to place restrictions on the processing, to request copies of your data and to request the deletion of your data. If you require further information on how wee we process your data or you wish to exercise your rights, please contact us In Xxxx Xxxxxxx by e-mailing xxxxxxxxx@xxxxxxxxxxxx.xx.xx or by writing Data Privacy Representative RMCI 0/0 Xxxxxxx to IBA Insurance Services Ltd, 000 Xxxx Xxxxxx, Xxxxx Xxxxxxx Xxxx Xxxx Xxxxxx XX00 0XX By phone: Telephone: 00000000000 By E-Mail: x.xxxxxxx@xxxx.xx.xx 1DA or by telephoning 01553 770112. How we process your personal data is detailed further within our Privacy Notice. xxxxx://xxx.xxxxxxxxxxxx.xx.xx/wp- content/uploads/2019/06/gdpr_privacy-policy.pdf.

Confidentiality and Data Protection. In your dealings with us you may provide us with information that may include data that is known as personal data. Where we process personal data we company with statutory data processing requirements as set out by the Data Protection Xxx 0000. The personal data we will include information relating to your name, address, date of birth and contact details and health and criminal offences. We will process treat all your personal data information as private and confidential to allow us to provide you with our services as your insurance broker and anyone else involved in quoting for, the normal course of arranging and administering your insurancesinsurance, even when you are no longer a customer. Your We will not give anyone else any personal data will also be used to manage future communications between ourselves. Where you have agreedinformation except on your instructions or authority, or in circumstances where we are required to do so will by law, or by virtue of our regulatory requirements. We may use information we hold about you to provide information to you about other products and services, which we feel may be appropriate to you. Under the Data Protection Act 1998 you have the right to see personal information about you that we hold in our mutual interestsrecords. If you have any queries please write to us at our usual office address. Our Service We are an independent insurance intermediary, your personal data who acts on our customers’ behalf in arranging insurance. We will be used to not provide you with further information any advice on the purchase of policies via our website and customers should make their own decision regarding the suitability of products offered. Whose products we offer In respect of products purchased via our website, these will be from a single insurer for each type of business, who will be clearly identified in the quotation. The service we will provide you with In respect of policies purchased through our website you will not receive advice or a recommendation from us and you will then need to make your own choice about how to proceed. Guidance on the circumstances in which any policy is likely to meet customers needs, will be confirmed in a demands & needs statement with the quotation. What you will pay for our wider products services We usually receive a commission from the insurance provider with whom we place your business, and servicesin such a case, the commission will be due to us either when we are in receipt of cleared funds from yourself (or the premium finance company, if one has been used) or, when the insurer has received cleared funds from us in respect of the premium due under your policy. You can opt out The individual agreements we have with each insurance provider will determine which of receiving such communications the two methods above is used to make this transfer of commission. In addition, we normally make the following charges to cover the administration of your insurance: Arranging new policies £ 15 Midterm adjustments £ 10 Midterm cancellations and other refunds are refunded NET of commission. We may, in addition, charge a £ 10 administration fee. Renewals £ 5 Replacement/duplicate certificates or cover notes £5 Consumer policies cancelled during the ‘Right to Cancel’ period will be subject to an administration charge of £10, in addition to the premium charged by emailing enquiries @xxxx.xx.xx In processing personal data the insurer for the period of cover provided. Occasionally we may arrange a policy on which we earn no commission (a ‘net-premium policy’) and in these cases we will advise you of the arrangement fee before you take the policy out. Specific charges, which apply to individual policies, will be shown on the Disclosure Document applicable to that policy. The specific charge and purpose of any additional charges will always be advised to you in advance. Prior to the conclusion of any commercial insurance purposes about health contract, or criminal convictionsupon renewal, we will only do so remind commercial customers of your right to enable us to provide our service to you and on be advised of the basis level of it being in the public interestscommission which we receive from underwriters. We will only use your data for the purpose for which it was collected. We will only grant access to or share your data within our firm or other firmness associated with us and with other authorised third parties and service providers such as insurer’ and other intermediariesCommercial customers are entitled, where we are entitled to do by law under lawful data processing. The Data Protection Xxx 0000 provides you with Access Rights that allow you to gain an understanding on the data being processed, who we share it with, for what purpose, why we need to retain it and retention period to object to the processing and to place restrictions on processingat any time, to request copies information regarding any commission which we may have received as a result of data and to request deletion of placing your data. If you require further information on how wee process your data or you wish to exercise your rights, please contact us In writing Data Privacy Representative RMCI 0/0 Xxxxxxx Xxxxx Xxxxxxx Xxxx Xxxx Xxxxxx XX00 0XX By phone: Telephone: 00000000000 By E-Mail: x.xxxxxxx@xxxx.xx.xx How we process your data is detailed within our Privacy Noticeinsurance business.

Confidentiality and Data Protection. In To provide our services properly we’ll need to collect information about your dealings personal and financial circumstances. We take your privacy seriously and will only use your personal information to deliver our services. Processing of your personal data is necessary for the performance of our contract for services with you. Generally this is the lawful basis on which we intend to rely for the processing of your data. (Please see the reference to special categories of data below). Our policy is to gather and process only that personal data which is necessary for us you may provide us to conduct our services appropriately with information that may include data that is known as you. We adopt a transparent approach to the processing of your personal data. Where Sometimes, we process may need to pass your personal data we company with statutory data processing requirements as set information to other organisations. If you apply to take out by an insurance product or service we’ll need to pass certain personal details to the Data Protection Xxx 0000. The personal data we will include information relating to your name, address, date of birth and contact details and health and criminal offencesproduct or service providers. We will may engage the services of third party providers of professional services in order to enhance the service we provide to you. These parties may also need to process your personal data to allow us to provide you in the performance of their contract with our services as your insurance broker in quoting for, arranging and administering your insurancesus. Your personal information may be transferred electronically (e.g. by email or over the internet) and we, or any relevant third party, may contact you in future by what we believe to be the most appropriate means of communication at the time (e.g. telephone/ email /letter etc.). The organisations to whom we may pass your details also have their own obligations to deal with your personal information appropriately. Sometimes a product or service may be administered from a country outside Europe. If this is the case, the firm must put a contract in place to ensure that your information is adequately protected. Our Privacy Notice is accessible on our website xxx.xxxxxxxxxx.xx.xx/xxxxxxx-xxxxxx and hardcopy is available on request. This is a separate document which provides more information about the nature of our personal data will also be used processing activities and includes details of our retention and deletion policies as well as your rights of access to manage future communications between ourselvesthe personal information that we hold on you. Where Special categories of personal data: there are certain categories of personal data that are sensitive by nature. The categories include: data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership and data concerning health. Depending on the nature of the products and services that you engage us for we may need to obtain your sensitive personal data particularly in relation to health and convictions. This processing is necessary for insurance purposes. If you are concerned about any aspect of our privacy arrangements please speak to us. Our Service We are an independent insurance broker, we can act both as agent of you, the customer, and on behalf of the insurer. We have in place management controls to deal with any conflicts of interest that might arise. Unless we advise you otherwise, we are acting on your behalf. We act on behalf of insurers when collecting premiums under risk transfer and when placing business under a delegated authority scheme. Our services include: advising you on your insurance needs; arranging your insurance cover with insurers to meet your requirements; and helping you with any ongoing changes you have agreed, or in circumstances where to do so will be in our mutual interests, your personal data will be used to provide make. We can also assist you with further information about our wider products and servicesmaking a claim. You can opt out of receiving such communications by emailing enquiries @xxxx.xx.xx In processing personal data for insurance purposes about health or criminal convictions, we We will only do so ask questions to enable us to provide our service assess reasonably your insurance requirements, this may include checking information that we already hold about you and your existing insurance arrangements with us and other parties. We will confirm to you the level of service we are providing as part of our sales process. If we use the services of another intermediary to place your insurance we will advise you of the name of the intermediary we use and on the name of the insurer We usually offer advice from a range of insurers, representing a fair analysis of the market, however, under certain circumstances we may only deal with a limited selection of the market, or single insurer. We will confirm, for each individual policy we provide you with, the basis of it being our advice in our Quotation Letter. After speaking with you, we will advise and make a recommendation to you once we have assessed your demands and needs. Our advice will be confirmed in a demands and suitability statement within our Quotation Letter, giving reasons for our recommendation. However, in the public event that we have not been able to speak with you personally, we would not be in a position to have fully assessed your demands and needs, therefore you would have to make your own decision as to whether the product offered is suitable for you (in any event, this would apply to all Legal Expenses products). Whilst we will use all reasonable endeavours to review Insurer information to protect your interests, Insurer financial standing & predictability of solvency is not guaranteed by us. The final decision on the suitability of an insurer does rest with you. What you will pay for our services We usually receive a commission from the insurer with whom we place your business and, in addition, we normally make the following charges to cover administration of your insurance:- For Premiums over £500 less £500 Arranging new policies nil £25 Mid Term Adjustments nil nil Renewals nil £25 Mid Term Cancellations We refund net of our commission Replacement Certificates or Cover Notes nil nil Personal Insurance policies cancelled during the 'Right to Cancel' period will be subject to an administration charge of £25, in addition to the premium charged by the insurer for the period of cover provided. Your premium detailed in the policy will include Insurance Premium Tax (IPT) at the prevailing rate. Some policies are subject to Value Added Tax (VAT) not IPT. Should the rate of IPT or VAT be amended by the Government, your premium will be amended by the insurer to reflect the change. Additional Charges - Where we are asked to undertake complex and time consuming functions on your behalf, it may be necessary for us to charge additional fees to cover our administration costs. In such cases you will be advised by us of the appropriate fee prior to incurring the charge. We may arrange a policy on which we earn no commission (a 'net-premium policy') and in these cases we will only use your data for advise you of the purpose for arrangement fee before you take the policy out. Specific charges, which it was collected. We apply to individual policies will only grant access to or share your data within be confirmed in our firm or other firmness associated with us and with other authorised third parties and service providers such as insurer’ and other intermediaries, where we are entitled to do by law under lawful data processingQuotation Letter. The Data Protection Xxx 0000 provides specific charge and purpose of any additional charges will always be advised to you with Access Rights that allow in advance, prior to you to gain an understanding on taking the data being processed, who we share it with, for what purpose, why we need to retain it and retention period to object policy out. Prior to the processing and conclusion of each insurance contract, or upon renewal, we remind you of your right to place restrictions on processingbe advised of the level of commission which we receive from underwriters. You are entitled, at any time, to request copies information regarding any commission which we may have received as a result of data placing your insurance business through Insurers &/or Premium Finance providers. IMPORTANT - to ensure that your insurance is renewed, payment of the premium must be tendered by you before the expiry date of the current policy. No days of grace are given, unless specifically arranged and agreed by your insurer. Certain documentation will not be released to request deletion you until payment of your datapremium has been made in full. If you require further information on how wee process your data our services are terminated by you, we reserve the right to retain any fees or you wish brokerage received or to exercise your rights, please contact us In writing Data Privacy Representative RMCI 0/0 Xxxxxxx Xxxxx Xxxxxxx Xxxx Xxxx Xxxxxx XX00 0XX By phone: Telephone: 00000000000 By E-Mail: x.xxxxxxx@xxxx.xx.xx How we process your data is detailed within our Privacy Noticeclaim any that may still be outstanding.

Confidentiality and Data Protection. In your dealings with us you may provide us with information that may include data that is known as personal data. Where we process We will treat any personal data we company with statutory data processing requirements or other information We receive from You as set out by confidential. We are registered under the Data Protection Xxx 0000. The 0000 (“DPA”) and undertake to comply with the Act in all Our dealings with any personal data we You provide to Us, in arranging and administering insurance contracts with Insurers and others on Your behalf or in providing related services. Your personal information will include information relating to your name, address, date of birth and contact details and health and criminal offencesbe kept secure at all times. We will process any personal information We obtain in the course of providing Our services to You in accordance with the DPA. In administering Your insurances it will be necessary for Us to pass such information to insurers and other product or service providers which may also provide Us with business and compliance support. We may also disclose details to relevant parties as necessary to comply with regulatory or legal requirements. We may contact You in order to promote products or services which may be of interest to You. We will not otherwise use or disclose the personal information We hold without Your consent. Other firms involved in arranging your insurance (Insurers or other intermediaries) may use checks from public and personal data from a variety of sources. The information is used to allow us help tailor a price and to provide you with our services help prevent fraud. If You have any questions about this or any other matter please do not hesitate to contact Us. Some of the details You may be asked to give Us such as your insurance broker information about offences or medical conditions are defined by the DPA as sensitive personal data. By giving Us such information, You signify Your consent to it being processed by Us in quoting for, arranging and administering your Your insurances. Subject to certain exceptions You will be entitled to have access to Your personal and sensitive personal data for which You will be charged a fee of £10.00. If at any time You wish Us, or any company associated with Us to cease processing any of Your personal data will or sensitive personal data We hold or to cease contacting You about products and services please email Us at xxxxxxxxx@xxxx.xx.xx or write to Us at the address set out in Section 13 of these Terms of Business. By continuing to browse and use the Year Abroad Insurance website You consent to the collection and use of personal data as set out in Our privacy policy and website terms of use. The data that We collect from You may be transferred to, and stored at, a destination outside the European Economic Area ("EEA"). It may also be used to manage future communications between ourselvesprocessed by staff operating outside the EEA who work for Us or for one of Our suppliers. Where you have agreedSuch staff maybe engaged in, or in circumstances where to do so will be in our mutual interestsamong other things, your personal data will be used to provide you with further information about our wider products the fulfilment of Your order, the processing of Your payment details and the provision of support services. By submitting Your personal data, You can opt out of receiving such communications by emailing enquiries @xxxx.xx.xx In processing personal data for insurance purposes about health agree to this transfer, storing or criminal convictions, we will only do so to enable us to provide our service to you and on the basis of it being in the public interestsprocessing. We will only use your take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with Our privacy policy. All information you provide to us is stored on our secure servers. Where We have given You (or where You have chosen) a password which enables you to access certain parts of Our site, You are responsible for the purpose for which it was collectedkeeping this password confidential. We will only grant access ask You not to or share your data within our firm or other firmness associated a password with us and with other authorised third parties and service providers such as insurer’ and other intermediaries, where we are entitled to do by law under lawful data processing. The Data Protection Xxx 0000 provides you with Access Rights that allow you to gain an understanding on the data being processed, who we share it with, for what purpose, why we need to retain it and retention period to object to the processing and to place restrictions on processing, to request copies of data and to request deletion of your data. If you require further information on how wee process your data or you wish to exercise your rights, please contact us In writing Data Privacy Representative RMCI 0/0 Xxxxxxx Xxxxx Xxxxxxx Xxxx Xxxx Xxxxxx XX00 0XX By phone: Telephone: 00000000000 By E-Mail: x.xxxxxxx@xxxx.xx.xx How we process your data is detailed within our Privacy Noticeanyone.

Confidentiality and Data Protection. In We are a data controller and our data protection officer is Mr X X Xxx We act as your dealings with agent in obtaining quotations and will treat all your personal information as private and confidential to us you may provide us with information that may include data that is known as personal data. Where we process personal data we company with statutory data processing requirements as set out by and anyone else involved in the Data Protection Xxx 0000. The personal data we will include information relating to normal course of arranging and administering your name, address, date of birth and contact details and health and criminal offencesinsurance. We will process your collect data, which will include personal data information and risk details required to allow us to provide you with our services as your effect the policy, solely for the purpose of obtaining and providing insurance broker in quoting forquotations, arranging and administering your insurancesinsurance. Provision of data to us is under a contractual requirement and we will be unable to offer any quotation for insurance if you refuse to provide certain personal data, including health, financial and criminal records data where these would affect the provision of cover and/or performance of insurance contracts. Your personal data information will be shared with insurers, which could include reputable providers in other countries, to enable them to provide accurate terms and they will also be used to manage future communications between ourselvesobtain data about you and your insurance history from various insurance anti-fraud databases, such as the Claims and Underwriting Exchange (CLUE) as well as publicly available websites and credit referencing agencies. Where you have agreedWe will not give anyone else any personal information except on your instructions or authority, or in circumstances where we are required to do so by law, or by virtue of our regulatory requirements. Information about you and your insurances will be in our mutual interests, held while you are a client and for three years after expiry of your policies. Under the Data Protection Act 1998 data subjects have the right to see personal data information about them that we hold. A charge of £10 will be used made to provide you cover our administration. Please write to our data protection officer at our usual office address. Our Service We are an independent insurance intermediary, who acts on our customers’ behalf in arranging insurance. Our services include: advising You on Your insurance needs; arranging Your insurance cover with further information about insurers to meet Your requirements; and helping You with any ongoing changes You have to make. As part of our wider products service, We will assist You with any claim You need to make and services. tell You can opt out of receiving such communications by emailing enquiries @xxxx.xx.xx In processing personal data for insurance purposes about health or criminal convictions, we will only do so what Your responsibilities are in relation to enable us to provide our service to you and on the basis of it being in the public interestsmaking claims. We will not provide You with any advice in relation to policies purchased solely through our Website and You will need to make Your own decision on the suitability of any such product. Our Service in relation to the provision of Premium Finance We only use your data for offer the purpose for which it was collectedcredit facilities of insurers and/or Close Brothers Finance and We will not provide any advice on the suitability of credit facilities to Your needs. We may use providers who will only grant access to or share your data within our firm or other firmness associated with us and with other authorised third parties and service providers such as insurer’ and other intermediariesconduct a credit check, where we are entitled to do by law under lawful data processingwhich will be recorded on Your credit record. The Data Protection Xxx 0000 provides you with Access Rights that allow you to gain an understanding on the data being processed, who we share it with, for what purpose, why we need to retain it and retention period to object to the processing and to place restrictions on processing, to request copies of data and to request deletion of your data. If you require further information on how wee process your data or you wish to exercise your rights, please Please contact us In writing Data Privacy Representative RMCI 0/0 Xxxxxxx Xxxxx Xxxxxxx Xxxx Xxxx Xxxxxx XX00 0XX By phone: Telephone: 00000000000 By E-Mail: x.xxxxxxx@xxxx.xx.xx How we process your data is detailed within if You do NOT consent to a credit check being undertaken, however this may affect our Privacy Noticeability to offer instalment facilities to You.

Confidentiality and Data Protection. In your We will treat any personal data or other information we receive from you as confidential. We are registered under the Data Protection Act 1998 and undertake to comply with the Act in all our dealings with us you may provide us with information that may include data that is known as personal data. Where we process any personal data you provide to us, in arranging and administering insurance contracts with Insurers and others on your behalf or in providing related services. Your personal information will be kept secure at all times. We will process any personal information we company obtain in the course of providing our services to you in accordance with statutory data processing requirements as set out by the Data Protection Xxx 0000. The personal data we In administering your insurances it will include be necessary for us to pass such information relating to your name, address, date insurers and other product or service providers which may also provide us with business and compliance support. We may also disclose details to relevant parties as necessary to comply with regulatory or legal requirements. We may contact you in order to promote products or services which may be of birth and contact details and health and criminal offencesinterest to you. We will process not otherwise use or disclose the personal information we hold without your consent. Other firms involved in arranging your insurance (insurers or other intermediaries) may use checks from public and personal data from a variety of sources. The information is used to allow help tailor a price and to help prevent fraud. If you have any questions about this or any other matter please do not hesitate to contact us. Some of the details you may be asked to give us such as information about offences or medical conditions are defined by the Act as sensitive personal data. . By giving us such information, you signify your consent to provide you with our services as your insurance broker its being processed by us in quoting for, arranging and administering your insurances. Your Subject to certain exceptions you will be entitled to have access to your personal and sensitive personal data for which you will also be used to manage future communications between ourselvescharged a fee of £10. Where If at any time you have agreedwish us, or in circumstances where any company associated with us to do so will be in our mutual interests, cease processing any of your personal data will be used or sensitive personal data we hold or to provide cease contacting you with further information about our wider products and services. You can opt services please email us at xxxxxxxxx@xxxx.xx.xx or write to us at the address set out of receiving such communications by emailing enquiries @xxxx.xx.xx In processing personal data for insurance purposes about health or criminal convictions, we will only do so to enable us to provide our service to you and on the basis of it being in the public interests. We will only use your data for the purpose for which it was collected. We will only grant access to or share your data within our firm or other firmness associated with us and with other authorised third parties and service providers such as insurer’ and other intermediaries, where we are entitled to do by law under lawful data processing. The Data Protection Xxx 0000 provides you with Access Rights that allow you to gain an understanding on the data being processed, who we share it with, for what purpose, why we need to retain it and retention period to object to the processing and to place restrictions on processing, to request copies of data and to request deletion of your data. If you require further information on how wee process your data or you wish to exercise your rights, please contact us In writing Data Privacy Representative RMCI 0/0 Xxxxxxx Xxxxx Xxxxxxx Xxxx Xxxx Xxxxxx XX00 0XX By phone: Telephone: 00000000000 By E-Mail: x.xxxxxxx@xxxx.xx.xx How we process your data is detailed within our Privacy NoticeSection 13.

Confidentiality and Data Protection. In your dealings with us you may provide us with information that may include data that is known as personal data. Where we process respect of the personal data you provide to us from time to time, we company with statutory are your data processing requirements as set out by controller for the purposes of the Data Protection Xxx 0000. The personal data we will include information relating to your name, address, date of birth and contact details and health and criminal offences0000 (DPA). We will process your personal data to allow exchange information that you provide us to provide you with insurance companies, other brokers or agents for the purposes of obtaining insurance quotations, arranging cover or dealing with claims and otherwise in accordance with our services DPA licence Z6558751 and/or as your insurance broker outlined in quoting forour customer data security policy, arranging a copy of which is available on request. We will treat all information as private and administering your insurances. Your personal data confidential, and in strict accordance the DPA, even when you are no longer a customer and will also be used to manage future communications between ourselves. Where you have agreed, or in circumstances where only share information if we are required to do so by law or regulation Telephone Call Recording All calls will be recorded for training and monitoring purposes. Claims Service We operate for the benefit of our clients a dedicated claims team who will assist you with the handling of any claim you need to make. It is essential that you notify us of all incidents or circumstances that could lead to a claim against your insurance policy. Claim conditions under insurance contracts differ from insurer or underwriting syndicate so it is important that you notify us immediately you are aware of circumstances that could lead to a claim. Failure to do so could result in declinature of a claim. Limit of Liability The limit of liability is £5,000,000 in aggregate arising from any one claim or any series of claims arising from the same incident in relation to broking services provided by Xxxx X Xxxxxxx Ltd. However, in relation to claims/incidents resulting in personal injury or causing death by our mutual interests, negligence then no limit applies. Increased limits of indemnity may be available on request but we reserve the right to charge for any necessary increase in premium as a result. Insurance Premium Tax (IPT)/Value Added Tax (VAT) Your premium detailed in the policy will include IPT and/or in some instances VAT. Should the rates be amended by the Government your personal data premium will be used amended to reflect the change Conflicts of Interest We operate with insurers delegated authority schemes and certain profit share arrangements. These we manage in accordance with our conflicts of interest policy. Where there is potentially a conflict of interest we will notify you accordingly Complaints We always aim to provide you with further information about a first class service to our wider products and services. You can opt out of receiving such communications by emailing enquiries @xxxx.xx.xx In processing personal data for insurance purposes about health or criminal convictions, clients however in the event we will only do so to enable us fail to provide our this service to you and on the basis of it being in the public interests. We will only use your data for the purpose for which it was collected. We will only grant access to or share your data within our firm or other firmness associated with us and with other authorised third parties and service providers such as insurer’ and other intermediaries, where we are entitled committed to do by law under lawful data processing. The Data Protection Xxx 0000 provides you with Access Rights that allow you to gain an understanding on resolving the data being processed, who we share it with, for what purpose, why we need to retain it and retention period to object to the processing and to place restrictions on processing, to request copies of data and to request deletion of your datamatter. If you require further information on how wee process your data or you wish to exercise your rightshave a complaint about our service, please contact us In by writing Data Privacy Representative RMCI 0/0 to Xxxx Xxxxxxx, The Compliance Officer, Xxxx X. Xxxxxxx Xxxxx Xxxxxxx Xxxx Xxxx Limited, Xxxxxx XX00 0XX Xxxx, Xxxxxxx, XX0 0XX, telephoning 01603 626155, faxing 01603 610836 or e-mail: xxxxxxxxx@xxxxxxxxxxxx.xx.xx Summary of Our Procedure Each complaint will be dealt with promptly and fairly, provided it is made known to us by any reasonable means. Your complaint will be acknowledged promptly and a copy of our complaints procedure will be given to or sent to you. A Director or Senior Manager will be appointed to investigate your complaint. By phone: Telephone: 00000000000 By Ethe end of eight weeks we will issue a final response to your complaint, if it is not possible to complete the investigation within the period, an indication of when we expect to be able to issue the final response. You may, at this point, refer your complaint to the Financial Ombudsman Service. If you are not satisfied with the way in which your complaint is dealt with, you may refer it to the Financial Ombudsman Service. The ombudsman’s leaflet ‘your complaint and the ombudsman’ will be sent to you at the end of eight weeks or with our final response but you may obtain details by visiting the website at http//xxx.xxxxxxxxx-Mail: x.xxxxxxx@xxxx.xx.xx How xxxxxxxxx.xxx.xx Compensation Scheme We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we process your data cannot meet our obligations. This depends upon the type of business and the circumstances of the claim. Insurance advising and arranging is detailed within our Privacy Noticecovered for 90% of the claim with no upper limit. For compulsory classes of insurance, advising and arranging is covered for 100% of the claim without any upper limit.

Confidentiality and Data Protection. We are committed to the observance and fulfilment of the provisions in Singapore's Personal Data Protection Act 2012 (the "PDPA"). All information about you or your business of a sensitive or personal nature will be treated as private and confidential. We will, however, use and disclose the information we have about you in the course of arranging, placing and administering your insurance cover. This may involve passing information about you to our affiliates, related corporations, insurer(s), other intermediaries, risk management assessors, uninsured loss recovery agencies, service providers, industry regulators, law enforcers, our auditors and other third parties involved directly or indirectly in your insurance cover. Please note that you are deemed to have provided consent to us under PDPA when you provide your information to us in the normal course of negotiating, maintaining or renewing of insurance, or for handling of claims. In your dealings with us respect of any personal data of any individuals which you may provide from time to time, disclose to us (“Third Party Personal Data”), you would have prior to disclosing such personal data to us obtained the appropriate consent from the individuals whose personal data are being disclosed for the purpose set out in the Agreement. If you have supplied Third Party Personal Data to us, you must make them aware of how we use it as this is the only basis on which we can accept it from you. Our data protection policy can be found on our website: xxxxx://xxxxxxxxxxxxxxx.xxx/dataprotection 6 Client Money Client money is any money that we receive and hold in the course of arranging or administering insurance on your behalf, or which we treat as client money, in accordance with information that the industry regulations stipulated by MAS. Insurance Broking Premiums accounts MAS requires us to establish and maintain separate accounts with a bank licensed with MAS in the respect of the carrying on of business which we are registered for. This client money is segregated from our own money. Risk transfer Where we have agreed in writing with an insurer to receive money as their agent, money received from you or from the insurer, will be the property of the insurer whilst we hold it. If you pay a premium to us it will be treated as having been received by the insurer, which means you cannot be asked to pay it again, even if we do not pay the premium to the insurer. Similarly, once we have received the premium, we would be unable to return it to you, for example in the event of the insurer becoming insolvent. Also, if the insurer pays claims money or a return premium to us for onward transmission to you and we do not pay you, then the insurer will still be liable to you. Interest on client money We may earn interest on cash amounts held and may benefit from foreign exchange differentials and returns on segregated designated investments. These cash amounts can include data that is known premiums and claims amount due to insurers and/or clients. As permitted by MAS, any such interest or investment returns before the agreed credit period with insurers shall belong to us and we shall not be required to account for it to you. Payment to third parties We may transfer client money to another person, such as personal dataanother broker or settlement agent, for the purpose of effecting a transaction on your behalf. Where we process personal data we company with statutory data processing requirements act as set out by agent of an insurer for the Data Protection Xxx 0000. The personal data we will include information relating to your name, address, date purposes of birth and contact details and health and criminal offences. We will process your personal data to allow us to provide you with our services as your insurance broker in quoting for, arranging and administering your insurances. Your personal data will also be used to manage future communications between ourselves. Where you have agreed, holding or in circumstances where to do so will be in our mutual interests, your personal data will be used to provide you with further information about our wider products and services. You can opt out of receiving such communications by emailing enquiries @xxxx.xx.xx In processing personal data for insurance purposes about health claim payments or criminal convictionsreturning premiums, we will only do so remit them to enable such parties as the insurer directs us to provide our service pay. We may otherwise only pay client money to you or your duly authorised representative if we have your specific instruction or consent. Where an intermediary or settlement agent is outside Singapore, the legal and on regulatory regime applying to the basis of it being intermediary or settlement agent will be different from that applicable in Singapore and, in the public interests. We will only use your data for event of a failure of the purpose for which it intermediary or settlement agent, the client money may be treated differently than if the client money was collected. We will only grant access to held by a broker or share your data within our firm or other firmness associated with us and with other authorised third parties and service providers such as insurer’ and other intermediaries, where we are entitled to do by law under lawful data processing. The Data Protection Xxx 0000 provides you with Access Rights that allow you to gain an understanding on the data being processed, who we share it with, for what purpose, why we need to retain it and retention period to object to the processing and to place restrictions on processing, to request copies of data and to request deletion of your data. If you require further information on how wee process your data or you wish to exercise your rights, please contact us In writing Data Privacy Representative RMCI 0/0 Xxxxxxx Xxxxx Xxxxxxx Xxxx Xxxx Xxxxxx XX00 0XX By phone: Telephone: 00000000000 By E-Mail: x.xxxxxxx@xxxx.xx.xx How we process your data is detailed within our Privacy Noticesettlement agent in Singapore.

Confidentiality and Data Protection. In To provide our services properly we’ll need to collect information about your dealings personal and financial circumstances. We take your privacy seriously and will only use your personal information to deliver our services. Processing of your personal data is necessary for the performance of our contract for services with you. Generally this is the lawful basis on which we intend to rely for the processing of your data. (Please see the reference to special categories of data below). Our policy is to gather and process only that personal data which is necessary for us you may provide us to conduct our services appropriately with information that may include data that is known as you. We adopt a transparent approach to the processing of your personal data. Where Sometimes, we process may need to pass your personal data we company with statutory data processing requirements as set information to other organisations. If you apply to take out by an insurance product or service we’ll need to pass certain personal details to the Data Protection Xxx 0000. The personal data we will include information relating to your name, address, date of birth and contact details and health and criminal offencesproduct or service providers. We will may engage the services of third party providers of professional services in order to enhance the service we provide to you. These parties may also need to process your personal data to allow us to provide you in the performance of their contract with our services as your insurance broker in quoting for, arranging and administering your insurancesus. Your personal information may be transferred electronically (e.g. by email or over the internet) and we, or any relevant third party, may contact you in future by what we believe to be the most appropriate means of communication at the time (e.g. telephone/ email /letter etc.). The organisations to whom we may pass your details also have their own obligations to deal with your personal information appropriately. Sometimes a product or service may be administered from a country outside Europe. If this is the case, the firm must put a contract in place to ensure that your information is adequately protected. Our Privacy Notice is accessible on our website xxx.xxxxxxxxxx.xx.xx/xxxxxxx-xxxxxx and hardcopy is available on request. This is a separate document which provides more information about the nature of our personal data will also be used processing activities and includes details of our retention and deletion policies as well as your rights of access to manage future communications between ourselvesthe personal information that we hold on you. Where Special categories of personal data: there are certain categories of personal data that are sensitive by nature. The categories include: data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership and data concerning health. Depending on the nature of the products and services that you engage us for we may need to obtain your sensitive personal data particularly in relation to health and convictions. This processing is necessary for insurance purposes. If you are concerned about any aspect of our privacy arrangements please speak to us. Our Service We are an independent insurance broker, we can act both as agent of you, the customer, and on behalf of the insurer. We have in place management controls to deal with any conflicts of interest that might arise. Unless we advise you otherwise, we are acting on your behalf. We act on behalf of insurers when collecting premiums under risk transfer and when placing business under a delegated authority scheme. Our services include: advising you on your insurance needs; arranging your insurance cover with insurers to meet your requirements; and helping you with any ongoing changes you have agreed, or in circumstances where to do so will be in our mutual interests, your personal data will be used to provide make. We can also assist you with further information about our wider products and servicesmaking a claim. You can opt out of receiving such communications by emailing enquiries @xxxx.xx.xx In processing personal data for insurance purposes about health or criminal convictions, we We will only do so ask questions to enable us to provide our service assess reasonably your insurance requirements, this may include checking information that we already hold about you and your existing insurance arrangements with us and other parties. We will confirm to you the level of service we are providing as part of our sales process. If we use the services of another intermediary to place your insurance we will advise you of the name of the intermediary we use and on the name of the insurer We usually offer advice from a range of insurers, representing a fair analysis of the market, however, under certain circumstances we may only deal with a limited selection of the market, or single insurer. We will confirm, for each individual policy we provide you with, the basis of it being our advice in our Quotation Letter. After speaking with you, we will advise and make a recommendation to you once we have assessed your demands and needs. Our advice will be confirmed in a demands and suitability statement within our Quotation Letter, giving reasons for our recommendation. However, in the public event that we have not been able to speak with you personally, we would not be in a position to have fully assessed your demands and needs, therefore you would have to make your own decision as to whether the product offered is suitable for you (in any event, this would apply to all Legal Expenses products). Whilst we will use all reasonable endeavours to review Insurer information to protect your interests, Insurer financial standing & predictability of solvency is not guaranteed by us. The final decision on the suitability of an insurer does rest with you. What you will pay for our services We usually receive a commission from an insurer when placing your business and from a finance company when arranging finance for you. The commission we receive is a percentage of the total annual insurance premium, and if you pay by finance, the commission we receive is a percentage of the total interest paid under the finance agreement. In addition, we will make the following charges to cover administration of your insurance:- Personal Insurance Commercial Insurance Clients with a premium spend of £5,000 or less will be charged a client fee of £35 per annum. Arranging new policies £30 Arranging new policies £nil Mid Term Adjustments £nil Mid Term Adjustments £nil Renewals £30 Renewals £nil Replacement Certificates or Cover Notes £nil Replacement Certificates or Cover Notes £nil In respect of Mid Term Cancellations for both Personal and Commercial Insurance policies, we will refund net of our commission. Personal Insurance policies cancelled during the 'Right to Cancel' period will be subject to an administration charge of £30, in addition to the premium charged by the insurer for the period of cover provided. We may arrange a policy on which we earn no commission (a 'net-premium policy') and in these cases we will only use advise you of the arrangement fee before you take the policy out. Specific charges, which apply to individual policies, will be confirmed in our Quotation Letter. These fees may be subject to change and where this is the case you will always be advised of the actual fee in writing and before you make your data for the purpose for which it was collecteddecision to purchase insurance from us. We will only grant access to or share your data within our firm or other firmness associated with us and with other authorised third parties and service providers such as insurer’ and other intermediaries, where Where we are entitled asked to do undertake complex and time consuming functions on your behalf, it may be necessary for us to charge additional fees to cover our administration costs. In such cases you will be advised by law under lawful data processingus of the appropriate fee prior to incurring the charge. The Data Protection Xxx 0000 provides you with Access Rights that allow you to gain an understanding on the data being processedYou are entitled, who we share it with, for what purpose, why we need to retain it and retention period to object to the processing and to place restrictions on processingat any time, to request copies information regarding any commission which we may have received as a result of data placing your insurance business through Insurers &/or Premium Finance providers. We occasionally receive additional remuneration from insurers, finance providers and other agents for business we place with them. This will be confirmed within our Quotation Letter. Your premium detailed in the policy will include Insurance Premium Tax (IPT) at the prevailing rate. Some policies are subject to request deletion Value Added Tax (VAT) not IPT. Should the rate of IPT or VAT be amended by the Government, your datapremium will be amended by the insurer to reflect the change. IMPORTANT - to ensure that your insurance is renewed, payment of the premium must be tendered by you before the expiry date of the current policy. No days of grace are given, unless specifically arranged and agreed by your insurer. Certain documentation will not be released to you until payment of premium has been made in full. If you require further information on how wee process your data our services are terminated by you, we reserve the right to retain any fees or you wish brokerage received or to exercise your rights, please contact us In writing Data Privacy Representative RMCI 0/0 Xxxxxxx Xxxxx Xxxxxxx Xxxx Xxxx Xxxxxx XX00 0XX By phone: Telephone: 00000000000 By E-Mail: x.xxxxxxx@xxxx.xx.xx How we process your data is detailed within our Privacy Noticeclaim any that may still be outstanding.

Confidentiality and Data Protection. In your dealings with us We will exchange the information that you may provide to us with insurance companies and other brokers or agents for the purposes of obtaining quotations and arranging cover, this may result in a credit check to confirm your identity and minimise the risk of fraud. We will treat all information that may include data that is known as personal data. Where we process personal data we company private and confidential, and in strict accordance with statutory data processing requirements as set out by the Data Protection Xxx 0000. The personal data Act 1998 (DPA), even when you are no longer a customer and only share information if we will include information relating to your name, address, date of birth and contact details and health and criminal offences. We will process your personal data to allow us to provide you with our services as your insurance broker in quoting for, arranging and administering your insurances. Your personal data will also be used to manage future communications between ourselves. Where you have agreed, or in circumstances where are required to do so will be by law, or regulation. Under the DPA, you have a right to a copy of any personally identifiable information about you that we hold in our mutual interestsrecords, you can obtain details by writing to us at the usual address. A nominal charge might apply in providing the information to you. We will, in addition use information for marketing similar products or services by us and carefully selected companies. Contact may include SMS text, post, telephone or e-mail. If you do not want us to use your personal data will be used information in this way, please let us know. IMPORTANT INFORMATION Registered in England: number 08242449 Registered Xxxxxx Xxxxxxxx Xxxxx, Xxxxxxxx Xxxx, Xxxxxxxxx, Xxxxxxx, Xxxxxx, XX0 0XX An appointed representative of Xxxxx Xxxxxx Ltd which is authorised and regulated by the Financial Conduct Authority WARNING – CONSUMERS WHERE THE MAIN PURPOSE OF THE CONTRACT IS FOR PRIVATE USE Your duty to provide you with further give information about our wider products and services. You can opt out of receiving such communications by emailing enquiries @xxxx.xx.xx In processing personal data When applying for or amending your insurance purposes about health or criminal convictionspolicy, we and / or your insurer will only do so ask a number of questions to assess the risk prior to agreeing cover. It is your duty to ensure that you answer all questions raised by insurers or us honestly and reasonably. These questions are designed to enable us or the insurer to provide our service obtain a comprehensive picture of the nature of the risk to you be insured, and on the basis of it being in the public interests. We will only use your data for the purpose for by asking such questions and receiving answers which it was collected. We will only grant access to or share your data within our firm or other firmness associated with us are given honestly and with other authorised third parties reasonable care, can we or the insurer be in a position to offer terms which are designed to meet your demands and service providers such as insurer’ and other intermediaries, where we are entitled to do by law under lawful data processingneeds. The Data Protection Xxx 0000 provides reason why this is vital and extremely important is that if you fail to tell us or the insurer something when asked, or, if you answer carelessly or act deliberately or recklessly in making misrepresentations when answering questions, your policy may leave you with Access Rights that allow you to gain an understanding on the data being processed, who we share it with, for what purpose, why we need to retain it and retention period to object to the processing and to place restrictions on processing, to request copies of data and to request deletion no insurance protection; insurers may not pay a part or all of your dataclaim and may cancel your policy. If You may find it difficult to re-arrange cover because you require further information on how wee process did not tell an insurer everything when asked, and you will have to disclose this fact when you reapply for insurance. FAILURE TO ANSWER QUESTIONS HONESTLY AND REASONABLY, WHEN ASKED, MAY LEAVE YOU WITH NO COVER AND A CLAIM NOT PAID. WARNING Warranties and Conditions Precedent Your policy contains a number of WARRANTIES and CONDITIONS PRECEDENT. These are horrible terms which you must comply with word for word, otherwise the insurer might not pay any claims and might cancel your data or policy from the start. Even if there is no connection between a breach of these terms and the cause of the loss. Failure to comply with these terms may leave you wish to exercise with no insurance cover and your rightsclaim not being paid! An insurance warranty is not a good thing, please contact us In writing Data Privacy Representative RMCI 0/0 Xxxxxxx Xxxxx Xxxxxxx Xxxx Xxxx Xxxxxx XX00 0XX By phone: Telephone: 00000000000 By E-Mail: x.xxxxxxx@xxxx.xx.xx How we process it does not mean that it is a guarantee of something; it typically means that you must comply with terms in order that your data is detailed within our Privacy Noticeinsurance protection remains operative.

Confidentiality and Data Protection. In your dealings with us We will exchange the information that you may provide to us with insurance companies and other brokers or agents for the purpose of obtaining quotations and arranging cover, this may result in a credit check to confirm your identity and minimise the risk of fraud. This may also involve disclosure of information that may include data that is known to any Government body. We will treat all information as personal data. Where we process personal data we company private and confidential, and in strict accordance with statutory data processing requirements as set out by the Data Protection Xxx 0000Act 1998 (DPA), even when you are no longer a customer and only share information if we are required to do so by law, or regulation. Under the DPA you have the right to a copy of any personally identifiable information about you that we hold in our records. You can obtain details by writing to us at our usual address. A nominal charge may apply in providing the information to you. We may, in addition, use information for marketing similar products or services by us and carefully selected companies. Contact may include SMS text, post, telephone or e-mail. If you do not want us to use your information in this way, please let us know. Telephone calls to our offices are recorded for training and security purposes. OUR SERVICE We can act both as agent of the insurer, and on behalf of you, the customer. We have in place management controls to deal with any conflicts of interest that might arise. Unless we advise you otherwise, we are acting on your behalf. We also act on behalf of insurers when collecting premiums under risk transfer. Our service includes advising you on your insurance needs, arranging insurance cover with insurers or other intermediaries to meet your requirements and assisting you with any ongoing changes that you may have to make. As part of our service we will assist you with any claim that you need to make. If we use the services of another intermediary to place your insurance we will advise you of the name of the intermediary we use and the name of the insurer. Where it is agreed that we will only provide advice, or are appointed to act for you in respect of a particular aspect or aspects of risk we will make this clear in any correspondence with you and cannot be held liable for inadequacies in any other risk prevention measures you may have in place. If you mislay your policy at any time, we will arrange a replacement policy document, if you request it. We may make a charge for this. OUR FEES, COMMISSION AND CHARGES We usually receive a commission from the insurance provider with whom we place your business, and in such a case, the commission will be due to us either when we are in receipt of cleared funds from you (or the premium finance company, if one has been used) or, when the insurer has received cleared funds from us in respect of the premium due under your policy. The personal data individual agreements we have with each insurance provider will determine which of the two methods above is used to make this transfer of commission. Commissions are based on the premium you pay, net of any IPT (see below). We also receive commission for arranging finance agreements for the payment of insurance premiums and this is usually expressed as a percentage of the individual loan and is paid to us directly by the premium finance provider. We may also receive a commission or fee for passing introductions to other professional firms. In addition, we may make a charge to cover the administration of your insurance as follows: Standard Charges: Arranging or renewing a policy £25 Mid-term adjustments (MTA) £25 Refunds £25 (we refund NET of our commission) Copy Documents £15 Any such fee will be notified to you prior to any transaction. Policies voided or cancelled from inception by insurers will be treated as a cancellation and we will retain any commission and fees before returning the net premium to you. By accepting these terms of business, you agree that we may retain the portion of the premium that relates to the entire commission that would have been due to us. Occasionally we may arrange a policy on which we earn no commission (a ‘net-premium policy’) and in these cases, we will advise you of the arrangement fee before you take the policy out. Specific charges, which apply to individual policies, will be advised to you prior to the commencement of each contract applicable to that policy. The amount and purpose of any additional charges will always be advised to you in advance. You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business. The contract is considered formed when you instruct us to bind the risk with Insurers which may or may not be the date the insurance period commences but is usually prior to it. This is the material point at which our entire remuneration is due. It may comprise of commission paid by Insurers and fees from you. Although the commission is paid by Insurers it is your instructions to enter into the contract with them that enables us to earn it. The commission and fees are charged in respect of the services that we provide as your broker and in the event that you do not proceed with the contract, we reserve the right to recover the amount of any commission or fee that would have been due to us from you. RETURN PREMIUMS These arise where a policy is amended resulting in a reduction in the premium or where a policy is cancelled. In these cases, we pay a refund to the insurer of part of our original commission. This amount will be deducted from the final amount refunded to you. OUR SELECTION (FAIR ANALYSIS) We offer products from a wide range of insurance companies and other insurance intermediaries. Our selection usually involves presenting to a reasonable number of insurance companies that will insure for the risk at hand, and this is called a fair analysis of the market available to us. Sometimes we may only approach two or three insurers and this is a limited panel, or in some cases, we may only approach one insurer, in either case we will tell you the basis as part of our selling process. You can request a list of the companies that form the panel we have approached. FINANCIAL STRENGTH We regularly assess the financial strength of the Insurance Companies and other intermediaries that we deal with. The process usually involves general observation of the financial ratings applied by independent rating agencies such as Standard & Poor’s and AM Best published with other readily available information within industry guides, newsletters and press releases. Whilst we take care to deal with companies that maintain reasonable solvency margins, we cannot guarantee their financial ability to pay claims. MONEY We will hold money that you pay to us in accordance with the regulator’s rules or under a risk transfer agreement with insurers. This will include information relating holding your money in the following ways: A statutory trust client bank account in relation to your namepayments received by Butterworth Xxxxxxxx Commercial Ltd. and Butterworth Xxxxxxxx Professional Risks Ltd. This only allows us to use the money held in trust on behalf of a customer for paying that customer’s premium to an insurance company and to pay premium refunds or claims we receive from that insurance company to the customer, address, date of birth and contact details and health and criminal offencesonce the premium has been received from that insurance company. We will process your personal data cannot use that customer’s money to allow pay another customer’s premium or refund. Also for this reason it is not possible for you to offset the refund against premiums owed on another policy. We do not pay any interest on premiums held by us to provide you with our services as your insurance broker in quoting for, the course of arranging and administering your insurancesinsurance, unless, in the case of consumer transactions we receive more than £20 per transaction, and then we will ask for your permission to retain the interest. Your personal data Unless you tell us otherwise, you are consenting to us holding your money in this way. A non-statutory trust insurer bank account in relation to payments received by Butterworth Xxxxxxxx Facilities Ltd in accordance with our agreements with Insurance Companies that transfer the risk of money we receive from customers to them, these agreements deem any money you pay to us, to be received by them and they will bear the risk of any losses in the event that our firm becomes insolvent. This includes claims money or premium refunds we receive prior to being paid to you. Holding your money in these ways means that in the event that this firm becomes insolvent your money remains protected. In arranging your insurance we may employ the services of other intermediaries who are regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. These firms are also required to hold clients’ money in a separate trust account. We will also inform you if at any time we are required to pass your premium to firms that operate outside the UK where the protection may be used different. Should you not wish us to manage future communications between ourselvespass premiums to a firm outside of the UK, please inform us. Where you have agreed, or in circumstances where to do so PAYMENT OPTIONS We will be in our mutual interests, your personal data will be used to provide you with further information about our wider products full details of all the payment options available to you when we provide you with your insurance premium. If you choose to enter into a finance arrangement, your details will be passed to a third party (insurer or lender) to enable them to contact you and servicesyou should contact us at the address given in this document if you do not want your details passed to that party. This finance arrangement will be subject to interest charges that we will confirm to you when providing the full details. Importantly, the arrangement you will enter into will be with the finance company not us. It is an entirely separate contract irrespective of the insurance contract. In the event of your failure to meet with the contractual obligations regarding payment the finance provider could approach the insurer to seek a termination of the insurance contract to recoup their outstanding finance arrears. You can opt out will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. This is because the agreement is between you, the policyholder and the finance company direct, not us or the insurer. It is important that you read any finance agreement that is sent to you before you agree to enter into such an agreement. We do not charge any fees to you for introducing you to a credit provider. Please note: - Your policy cover will cease if you fail to keep up payments on an instalment agreement or premium finance facility related to it. If you are a consumer as defined under the Consumer Credit Act, you will have the benefit of a 14 day cooling off period. YOUR RIGHT TO CANCEL (APPLICABLE TO CONSUMERS ONLY) Please contact us if you wish to cancel any policy that we have arranged for you. Customers acting outside their trade or profession (Consumers) will usually have a legal right to cancel policies for any reason, subject to no claims having occurred, within 14 days of receiving such communications the full terms & conditions. A charge may apply for the period of cover provided and, in addition, an administration charge will apply as shown in the charges section above. Cancellation under this Right must be in writing, prior to expiry of the cancellation period, to our usual office address. COMPLAINTS Our aim is always to provide our customers with a first-class service; however, we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, by emailing enquiries @xxxx.xx.xx In processing personal data for insurance purposes about health calling our main office telephone 0000 000 0000, or criminal convictionswrite to Xxxxxx Xxxxxx, Xxxxxxxxxxx Xxxxxxxx Insurance Brokers, 00-00 Xxxxxxx Xxxx, Xxxxxxxxx Technology Park, Wavertree, Xxxxxxxxx, X00 0XX. If we are unable to resolve the issue to your satisfaction by the end of the following business day following the receipt of your complaint, we will only do so to enable us to provide formally investigate the matter. You will receive a prompt acknowledgement of the matter together with a copy of our service to you and on the basis of it being in the public interestscomplaints process within 5 working days. We will only use your data for then aim to investigate and provide a resolution as quickly as possible, informing you of the purpose for which it was collected. We will only grant access to or share your data within our firm or other firmness associated with us position at no later than 4 weeks and with other authorised third parties and service providers such as insurer’ and other intermediaries, where we are entitled to do by law under lawful data processing. The Data Protection Xxx 0000 provides you with Access Rights that allow you to gain an understanding on the data being processed, who we share it with, for what purpose, why we need to retain it and retention period to object to the processing and to place restrictions on processing, to request copies of data and to request deletion of your dataa final response no later than 8 weeks. If you require further are not happy with our response, or the position after a period of 8 weeks, you may be eligible to refer your complaint to the Financial Ombudsman Service (FOS) for an independent assessment and opinion. The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0000 000 0000 (free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternatively you can contact them at Financial Ombudsman Service, South Quay Plaza, 000 Xxxxx Xxxx, London, E14 9SR. xxx.xxxxxxxxx-xxxxxxxxx.xxx.xx A full copy of our complaints procedure is available on request. FINANCIAL SERVICES COMPENSATION SCHEME (FSCS) If we are unable to meet our obligations, you may be entitled to compensation from the FSCS. If we have advised or arranged insurance for you this will be covered for 90% of a claim, without any upper limit, however claims under compulsory insurance, professional indemnity insurance and certain claims for injury, sickness or infirmity of the policyholder are protected at 100%. Further information is available from the FSCS helpline on how wee process 0800 678 1100 or 020 7741 4100 and xxx.xxxx.xxx.xx. The FSCS is the UK’s statutory fund of last resort for customers of authorised financial services firms. Compensation is usually payable if an authorised firm is unable or unlikely to pay claims usually because it has ceased trading or become insolvent INSURANCE PREMIUM TAX (IPT) Your premium detailed in the policy will include IPT at the prevailing rate. Should the rate of IPT be amended by the Government, your data or you wish premium will be amended by the insurer to exercise reflect the change. Some polices are subject to Value Added Tax (VAT) not IPT and should the rate of VAT be amended by the Government, your rights, please contact us In writing Data Privacy Representative RMCI 0/0 Xxxxxxx Xxxxx Xxxxxxx Xxxx Xxxx Xxxxxx XX00 0XX By phone: Telephone: 00000000000 By E-Mail: x.xxxxxxx@xxxx.xx.xx How we process your data is detailed within our Privacy Noticepremium will be amended by the insurer to reflect the change.

Confidentiality and Data Protection. In To provide our services properly we’ll need to collect information about your dealings personal and financial circumstances. We take your privacy seriously and will only use your personal information to deliver our services. Processing of your personal data is necessary for the performance of our contract for services with you. Generally this is the lawful basis on which we intend to rely for the processing of your data. (Please see the reference to special categories of data below). Our policy is to gather and process only that personal data which is necessary for us you may provide us to conduct our services appropriately with information that may include data that is known as you. We adopt a transparent approach to the processing of your personal data. Where Sometimes, we may need to pass your personal information to other organisations. If you apply to take out an insurance product or service we’ll need to pass certain personal details to the product or service providers. We may engage the services of third party providers of professional services in order to enhance the service we provide to you. These parties may also need to process your personal data in the performance of their contract with us. Your personal information may be transferred electronically (e.g. by email or over the internet) and we, or any relevant third party, may contact you in future by what we company believe to be the most appropriate means of communication at the time (e.g. telephone/ email /letter etc.). The organisations to whom we may pass your details also have their own obligations to deal with statutory your personal information appropriately. Sometimes a product or service may be administered from a country outside Europe. If this is the case, the firm must put a contract in place to ensure that your information is adequately protected. Our Privacy Notice is accessible on our website xxx.xxxxxxxxxx.xx.xx/xxxxxxx-xxxxxx and hardcopy is available on request. This is a separate document which provides more information about the nature of our personal data processing requirements activities and includes details of our retention and deletion policies as set out well as your rights of access to the personal information that we hold on you. Special categories of personal data: there are certain categories of personal data that are sensitive by the Data Protection Xxx 0000nature. The categories include: data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership and data concerning health. Depending on the nature of the products and services that you engage us for we may need to obtain your sensitive personal data particularly in relation to health and convictions. Our policy is that should we require any special category of personal data we will include information relating only gather this with your explicit consent. If you are concerned about any aspect of our privacy arrangements please speak to us. Our Service We are an independent insurance broker, we can act both as agent of you, the customer, and on behalf of the insurer. We have in place management controls to deal with any conflicts of interest that might arise. Unless we advise you otherwise, we are acting on your name, address, date behalf. We act on behalf of birth insurers when collecting premiums under risk transfer and contact details when placing business under a delegated authority scheme. Our services include: advising you on your insurance needs; arranging your insurance cover with insurers to meet your requirements; and health and criminal offenceshelping you with any ongoing changes you have to make. We can also assist you with making a claim. We will process your personal data to allow us to provide you with our services as your insurance broker in quoting for, arranging and administering your insurances. Your personal data will also be used to manage future communications between ourselves. Where you have agreed, or in circumstances where to do so will be in our mutual interests, your personal data will be used to provide you with further information about our wider products and services. You can opt out of receiving such communications by emailing enquiries @xxxx.xx.xx In processing personal data for insurance purposes about health or criminal convictions, we will only do so ask questions to enable us to provide our service assess reasonably your insurance requirements, this may include checking information that we already hold about you and your existing insurance arrangements with us and other parties. We will confirm to you the level of service we are providing as part of our sales process. If we use the services of another intermediary to place your insurance we will advise you of the name of the intermediary we use and on the name of the insurer We usually offer advice from a range of insurers, representing a fair analysis of the market, however, under certain circumstances we may only deal with a limited selection of the market, or single insurer. We will confirm, for each individual policy we provide you with, the basis of it being our advice in our Quotation Letter. After speaking with you, we will advise and make a recommendation to you once we have assessed your demands and needs. Our advice will be confirmed in a demands and suitability statement within our Quotation Letter, giving reasons for our recommendation. However, in the public event that we have not been able to speak with you personally, we would not be in a position to have fully assessed your demands and needs, therefore you would have to make your own decision as to whether the product offered is suitable for you (in any event, this would apply to all Legal Expenses products). Whilst we will use all reasonable endeavours to review Insurer information to protect your interests, Insurer financial standing & predictability of solvency is not guaranteed by us. The final decision on the suitability of an insurer does rest with you. What you will pay for our services We usually receive a commission from the insurer with whom we place your business and, in addition, we normally make the following charges to cover administration of your insurance:- For Premiums over £500 less £500 Arranging new policies nil £25 Mid Term Adjustments nil nil Renewals nil £25 Mid Term Cancellations We refund net of our commission Replacement Certificates or Cover Notes nil nil Personal Insurance policies cancelled during the 'Right to Cancel' period will be subject to an administration charge of £25, in addition to the premium charged by the insurer for the period of cover provided. Your premium detailed in the policy will include Insurance Premium Tax (IPT) at the prevailing rate. Some policies are subject to Value Added Tax (VAT) not IPT. Should the rate of IPT or VAT be amended by the Government, your premium will be amended by the insurer to reflect the change. Additional Charges - Where we are asked to undertake complex and time consuming functions on your behalf, it may be necessary for us to charge additional fees to cover our administration costs. In such cases you will be advised by us of the appropriate fee prior to incurring the charge. We may arrange a policy on which we earn no commission (a 'net-premium policy') and in these cases we will only use your data for advise you of the purpose for arrangement fee before you take the policy out. Specific charges, which it was collected. We apply to individual policies will only grant access to or share your data within be confirmed in our firm or other firmness associated with us and with other authorised third parties and service providers such as insurer’ and other intermediaries, where we are entitled to do by law under lawful data processingQuotation Letter. The Data Protection Xxx 0000 provides specific charge and purpose of any additional charges will always be advised to you with Access Rights that allow in advance, prior to you to gain an understanding on taking the data being processed, who we share it with, for what purpose, why we need to retain it and retention period to object policy out. Prior to the processing and conclusion of each insurance contract, or upon renewal, we remind you of your right to place restrictions on processingbe advised of the level of commission which we receive from underwriters. You are entitled, at any time, to request copies information regarding any commission which we may have received as a result of data placing your insurance business through Insurers &/or Premium Finance providers. IMPORTANT - to ensure that your insurance is renewed, payment of the premium must be tendered by you before the expiry date of the current policy. No days of grace are given, unless specifically arranged and agreed by your insurer. Certain documentation will not be released to request deletion you until payment of your datapremium has been made in full. If you require further information on how wee process your data our services are terminated by you, we reserve the right to retain any fees or you wish brokerage received or to exercise your rights, please contact us In writing Data Privacy Representative RMCI 0/0 Xxxxxxx Xxxxx Xxxxxxx Xxxx Xxxx Xxxxxx XX00 0XX By phone: Telephone: 00000000000 By E-Mail: x.xxxxxxx@xxxx.xx.xx How we process your data is detailed within our Privacy Noticeclaim any that may still be outstanding.