Common use of PROTECTING YOUR INFORMATION Clause in Contracts

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by law. Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Xxx 0000, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to the Data Protection Officer at our address (section “About Us”). We and/or the insurers or credit providers may use publicly available data from a variety of sources, including credit reference agencies and other external organisations to verify your identity or creditworthiness to avoid fraud and to obtain beneficial quotes and payment options on your behalf. Each of these searches may appear on your credit report whether or not your application proceeds. By agreeing to these terms and conditions you agree to these uses of your information. We will not make your details available to other parties for marketing purposes, but we and other companies also owned by The JRW Group Ltd, may contact you to keep you informed of our and partners latest products and services. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with our web site. HOW TO MAKE A CLAIM Your Insurance Booklet includes a claims procedure, which tells you what steps you should take if you wish to make a claim. You must notify the Claims Department of a claim or circumstance which may give rise to a claim as soon as possible. You will be provided with every assistance in submitting a claim and seeking reimbursement. Full premiums are due before settlement of any claim. OUR RIGHT TO SET OFF MONIES YOU OWE US We, the insurer or claims handler shall be entitled (but not obliged) without notice to you, to set off any amounts due from you against any amounts which we, the insurer or claims handler may receive on your behalf (such as claims monies, refunded premiums and other sums). Full premiums are due before settlement of any claim. PROTECTING YOUR MONEY Prior to your premium being forwarded to the insurer, and for your protection, the administrator will hold your money as an agent of the insurer in which case your policy is treated as being paid for. PAYMENT Annual Premium Premiums for Insurance are payable and due at the time of application. You may make payment by cheque, credit card (all major credit/debit cards except American Express are accepted), or Direct Debit. The insurance purchase will not be concluded until payment has been received unless otherwise agreed. If a payment is to be collected by Direct Debit and we have been notified by your bank or building society of a failure to make payment to us, the insurance will be cancelled and you will be notified. Monthly Premium using Third Party Instalment Facilities If you choose to pay for your insurance premium using our third party supplier, Premium Credit Limited (PCL) of Premium Credit House, Xxxxx Xxxxx, Xxxxx Xxx, Xxxxxxxxxxx, XX00 0XX, your details will be passed on to them. Any queries or questions about the service provided by PCL should in the first instance be directed to them on +00(0) 000 000 0000. Where your policy is paid via PCL and you choose to renew your cover (or we renew your cover pursuant to section “Policy Renewal” of this agreement), we will again continue to pass your details to PCL. If any Direct Debit or other payment due in respect of the credit agreement you enter into with PCL to pay premiums is not met when presented for payment, or if you end the agreement with PCL, or if you do not enter into a credit agreement with PCL we will be informed of this by PCL. If you do not make other arrangements with us or PCL to pay your insurance premiums, you acknowledge and agree that we may instruct on your behalf any relevant insurer to cancel the insurance. You may still be required to meet any payments for the period of insurance you have received. In assessing your application for credit, PCL will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. This and other information about you may be used to make credit decisions about you and undertake checks for the prevention and detection of money laundering. If your application for credit is accepted, PCL will send you a welcome pack detailing their full terms and conditions and commence collection of instalments. A credit agreement will be included for you to sign and return. PCL may begin collecting your Direct Debits before you return your signed credit agreement to pay for any insurance cover you are receiving. If you have any questions about your instalments, contact PCL on +00(0)000 000 0000. On renewal of your insurance policy we will continue to pass your details to PCL unless you instruct us otherwise. Please read carefully the pre-contractual explanations and the information regarding the cost of credit (including any representative examples). Together they provide important information in relation to the credit facility available from PCL. To use PCL’s facility you must be resident in the UK, aged 18 years or over and hold a bank or building society account which can support Direct Debit payments. Credit is available subject to status.

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by law. Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Xxx 0000, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to the Data Protection Officer at our address (section “‘About Us”’). We and/or the insurers or credit providers may use publicly available data from a variety of sources, including credit reference agencies and other external organisations to verify your identity or creditworthiness to avoid fraud and to obtain beneficial quotes and payment options on your behalf. Each of these searches may appear on your credit report whether or not your application proceeds. By agreeing to these terms and conditions you agree to these uses of your information. We will not make your details available to other parties for marketing purposes, but we and other companies also owned by The JRW Group Ltd, may contact you to keep you informed of our and partners latest products and services. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with our web site. HOW TO MAKE A CLAIM Your Insurance Booklet includes a claims procedure, which tells you what steps you should take if you wish to make a claim. You must notify the Claims Department of a claim or circumstance which may give rise to a claim as soon as possible. You will be provided with every assistance in submitting a claim and seeking reimbursement. Full premiums are due before settlement of any claim. OUR RIGHT TO SET OFF MONIES YOU OWE US We, the insurer or claims handler shall be entitled (but not obliged) without notice to you, to set off any amounts due from you against any amounts which we, the insurer or claims handler may receive on your behalf (such as claims monies, refunded premiums and other sums). Full premiums are due before settlement of any claim. PROTECTING YOUR MONEY Prior to your premium being forwarded to the insurer, and for your protection, the administrator will we hold your money as an agent of the insurer in which case your policy is treated as being paid for. PAYMENT Annual Premium Premiums for Insurance are payable and due at the time of application. You may make payment by cheque, cheque or credit card (all major credit/credit/ debit cards except American Express are accepted), or Direct Debit. The insurance purchase will not be concluded until payment has been received unless otherwise agreed. If a payment is to be collected by Direct Debit and we have been notified by your bank or building society of a failure to make payment to us, the insurance will be cancelled and you will be notified. Monthly Premium using Third Party Instalment Facilities If you choose We may allow payment of the total premium by instalment to pay be spread over a maximum of 12 consecutive months provided the initial payment is made at inception and the means of payment for your insurance premium using our third party supplierthe following instalments is supplied at that time (e.g. with credit card details, Premium Credit Limited (PCL) post-dated cheques or Direct Debit). Failure to make a payment by the agreed date will result in cancellation of Premium Credit House, Xxxxx Xxxxx, Xxxxx Xxx, Xxxxxxxxxxx, XX00 0XX, your details the policy one month after the payment failed and no refund will be passed on to themmade. Any queries or questions about All premiums quoted are inclusive of local Taxes at the service provided by PCL should in the first instance be directed to them on +00(0) 000 000 0000. Where your policy is paid via PCL prevailing rate and you choose to renew your cover (or we renew your cover pursuant to section “Policy Renewal” of this agreement), we will again continue to pass your details to PCL. If any Direct Debit or other payment due in respect of the credit agreement you enter into with PCL to pay premiums is not met when presented for payment, or if you end the agreement with PCL, or if you do not enter into a credit agreement with PCL we will be informed of this by PCL. If you do not make other arrangements with us or PCL to pay your insurance premiums, you acknowledge and agree that we may instruct on your behalf any relevant insurer to cancel the insurance. You may still be required to meet any payments for the period of insurance you have received. In assessing your application for credit, PCL will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. This and other information about you may be used to make credit decisions about you and undertake checks for the prevention and detection of money laundering. If your application for credit is accepted, PCL will send you a welcome pack detailing their full terms and conditions and commence collection of instalments. A credit agreement will be included for you to sign and return. PCL may begin collecting your Direct Debits before you return your signed credit agreement to pay for any insurance cover you are receiving. If you have any questions about your instalments, contact PCL on +00(0)000 000 0000. On renewal of your insurance policy we will continue to pass your details to PCL unless you instruct us otherwise. Please read carefully the pre-contractual explanations and the information regarding the cost of credit (including any representative examples). Together they provide important information in relation to the credit facility available from PCL. To use PCL’s facility you must be resident in the UK, aged 18 years or over and hold a bank or building society account which can support Direct Debit payments. Credit is available subject to statusadministration fee.

PROTECTING YOUR INFORMATION. For the purposes of the General Data Protection Regulations, We are a Data Controller. All personal information about you will be treated as private and confidential (even when you are no longer a customer), ) except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by lawlaw to disclose it. Some Please refer to our Privacy Notice for full details of our legal basis for processing your data, how we will use, share and store your data. Our privacy notice is available on our website xxx.xxx-xxxxxxxxx.xx.xx and is available in hard copy on request. CONFLICTS OF INTEREST As insurance brokers we generally act as your agent in advising you, arranging your insurance and assisting you in the event of a claim; we will always act honestly, fairly and professionally ensuring your best interests are our priority. In certain circumstances we may act for and owe duties of care to insurers and/or other parties. Where we become aware of any actual or all potential conflict of interest with our duty to you, we will inform you of the information situation, the options available to you supply and obtain your consent before we proceed. INSURER SECURITY Whilst we monitor the financial strength of the insurers with whom we place business it should be noted the claims paying ability of even the strongest insurers could be affected by adverse business conditions. We cannot, therefore, guarantee the solvency of any insurer or underwriter. A liability for the premium, whether in full or pro rata, may arise under policies where a participating insurer becomes insolvent. POLICY AND TERMS OF CONDITIONS WARRANTIES You must read through all policy terms, conditions and warranties shown on your policy documentation. Please ensure you understand them and are able to follow their requirements exactly. If not, please advise us immediately, as a breach of any terms, conditions and warranties may enable your insurer to terminate your policy from the date of that breach, and or repudiate a claim under your policy. LIMIT OF LIABILITY Our liability to you in connection with your insurance proposal may be passed the Services described in these terms of business is limited to insurance and other companies £1.15m. We will accept liability for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Xxx 0000, under wrongdoings which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to the Data Protection Officer at our address (section “About Us”). We and/or the insurers or credit providers may use publicly available data result from a variety of sources, including credit reference agencies and other external organisations to verify your identity or creditworthiness to avoid fraud and to obtain beneficial quotes and payment options on your behalf. Each of these searches may appear on your credit report whether or not your application proceeds. By agreeing to these terms and conditions you agree to these uses of your information. We will not make your details available to other parties for marketing purposes, but we and other companies also owned by The JRW Group Ltd, may contact you to keep you informed breach of our and partners latest products and services. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with our web site. HOW TO MAKE A CLAIM Your Insurance Booklet includes a claims procedure, which tells you what steps you should take if you wish to make a claim. You must notify the Claims Department of a claim or circumstance which may give rise to a claim as soon as possible. You will be provided with every assistance in submitting a claim and seeking reimbursement. Full premiums are due before settlement of any claim. OUR RIGHT TO SET OFF MONIES YOU OWE US We, the insurer or claims handler shall be entitled (but not obliged) without notice contractual obligations to you, to set off any amounts due from you against any amounts which weour negligence, the insurer or claims handler may receive on your behalf (such as claims monies, refunded premiums and other sums). Full premiums are due before settlement a breach of any claim. PROTECTING YOUR MONEY Prior to your premium being forwarded to the insurer, and for your protection, the administrator will hold your money as an agent of the insurer in which case your policy is treated as being paid for. PAYMENT Annual Premium Premiums for Insurance are payable and due at the time of application. You may make payment by cheque, credit card (all major credit/debit cards except American Express are accepted)our professional duty, or Direct Debitbreach of our trust. The insurance purchase will We not be concluded until payment has been received unless otherwise agreed. If a payment is to be collected by Direct Debit and we have been notified by your bank or building society of a failure to make payment to us, the insurance will be cancelled and you will be notified. Monthly Premium using Third Party Instalment Facilities If you choose to pay accept liability for your insurance premium using our third party supplier, Premium Credit Limited (PCL) of Premium Credit House, Xxxxx Xxxxx, Xxxxx Xxx, Xxxxxxxxxxx, XX00 0XX, your details will be passed on to them. Any queries or questions about the service provided by PCL should in the first instance be directed to them on +00(0) 000 000 0000. Where your policy is paid via PCL and you choose to renew your cover (or we renew your cover pursuant to section “Policy Renewal” of this agreement), we will again continue to pass your details to PCL. If any Direct Debit or other payment due in respect of the credit agreement you enter into with PCL to pay premiums is not met when presented for payment, or if you end the agreement with PCL, or if you do not enter into a credit agreement with PCL we will be informed of this by PCL. If you do not make other arrangements with us or PCL to pay your insurance premiums, you acknowledge and agree that we may instruct on your behalf any relevant insurer to cancel the insurance. You may still be required to meet any payments for the period of insurance you have received. In assessing your application for credit, PCL will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. This and other information about you may be used to make credit decisions about you and undertake checks for the prevention and detection of money laundering. If your application for credit is accepted, PCL will send you a welcome pack detailing their full terms and conditions and commence collection of instalments. A credit agreement will be included for you to sign and return. PCL may begin collecting your Direct Debits before you return your signed credit agreement to pay for any insurance cover you are receiving. If you have any questions about your instalments, contact PCL on +00(0)000 000 0000. On renewal of your insurance policy we will continue to pass your details to PCL unless you instruct us otherwise. Please read carefully the pre-contractual explanations and the information regarding the cost of credit (including any representative examples). Together they provide important information in relation to the credit facility available from PCL. To use PCL’s facility you must be resident in the UK, aged 18 years or over and hold a bank or building society account losses which can support Direct Debit payments. Credit is available subject to status.are:

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by law. Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Xxx 0000, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to the Data Protection Officer at our address (section “‘About Us”’). We and/or the insurers or credit providers may use publicly available data from a variety of sources, including credit reference agencies and other external organisations to verify your identity or creditworthiness to avoid fraud and to obtain beneficial quotes and payment options on your behalf. Each of these searches may appear on your credit report whether or not your application proceeds. By agreeing to these terms and conditions you agree to these uses of your information. We will not make your details available to other parties for marketing purposes, but we and other companies also owned by The JRW Group LtdRipe Thinking Limited, may contact you to keep you informed of our and partners latest products and services. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with our web sitewebsite. HOW TO MAKE A CLAIM Your Insurance Booklet includes a claims procedure, which tells you what steps you should take if you wish to make a claim. You must notify the Claims Department of a claim or circumstance which may give rise to a claim as soon as possible. You will be provided with every assistance in submitting a claim and seeking reimbursement. Full premiums are due before settlement of any claim. OUR RIGHT TO SET OFF MONIES YOU OWE US We, the insurer or claims handler shall be entitled (but not obliged) without notice to you, to set off any amounts due from you against any amounts which we, the insurer or claims handler may receive on your behalf (such as claims monies, refunded premiums and other sums). Full premiums are due before settlement of any claim. PROTECTING YOUR MONEY Prior to your premium being forwarded to the insurer, and for your protection, the administrator will we hold your money as an agent of the insurer in which case your policy is treated as being paid for. PAYMENT Annual Premium Premiums for Insurance membership are payable and due at the time of application. You may make payment by cheque, cheque or credit card (all major credit/debit cards except American Express are accepted), or Direct Debit. The insurance purchase will not be concluded until payment has been received unless otherwise agreed. If a payment is to be collected by Direct Debit and we have been notified by your bank or building society of a failure to make payment to us, the membership including the insurance will be cancelled and you will be notified. Monthly Premium using Third Party Instalment Facilities If you choose to pay for your insurance premium using our third party supplier, Premium Credit Limited (PCL) of Premium Credit House, Xxxxx Xxxxx, Xxxxx Xxx, Xxxxxxxxxxx, XX00 0XX, your details will be passed on to them. Any queries or questions about the service provided by PCL should in the first instance be directed to them on +00(0) 000 000 0000. Where your policy is paid via PCL and you choose to renew your cover (or we renew your cover pursuant to section “Policy Renewal” of this agreement), we will again continue to pass your details to PCL. If any Direct Debit or other payment due in respect of the credit agreement you enter into with PCL to pay premiums is not met when presented for payment, or if you end the agreement with PCL, or if you do not enter into a credit agreement with PCL we will be informed of this by PCL. If you do not make other arrangements with us or PCL to pay your insurance premiums, you acknowledge and agree that we may instruct on your behalf any relevant insurer to cancel the insurance. You may still be required to meet any payments for the period of insurance you have received. In assessing your application for credit, PCL will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. This and other information about you may be used to make credit decisions about you and undertake checks for the prevention and detection of money laundering. If your application for credit is accepted, PCL will send you a welcome pack detailing their full terms and conditions and commence collection of instalments. A credit agreement will be included for you to sign and return. PCL may begin collecting your Direct Debits before you return your signed credit agreement to pay for any insurance cover you are receiving. If you have any questions about your instalments, contact PCL on +00(0)000 000 0000. On renewal of your insurance policy we will continue to pass your details to PCL unless you instruct us otherwise. Please read carefully the pre-contractual explanations and the information regarding the cost of credit (including any representative examples). Together they provide important information in relation to the credit facility available from PCL. To use PCL’s facility you must be resident in the UK, aged 18 years or over and hold a bank or building society account which can support Direct Debit payments. Credit is available subject to status.

PROTECTING YOUR INFORMATION. All personal information about you You will be treated as private and confidential (even when you You are no longer a customer), except where the disclosure is made at your Your request or with your Your consent in relation to administering your Your insurance including any related credit arrangement, or where we We are required by law. Your information will be held by Us (including all companies within the Ripe Group) in accordance with data protection legislation (including the General Data Protection Regulation from 25th May 2018), under which You have a right of access to see personal information about You that is held in Our records, whether electronically or manually. If You have any queries, please write to the Data Protection Administration at Our address (section “About Us”). We shall collect personal information when You register with Us, contact Us or place an order for Our services. We also collect information when You voluntarily complete insurance forms, customer surveys, provide feedback and participate in competitions. Should You visit Our website We shall also collect website usage information using cookies. We shall use Your personal information for: a) performing the services which You have requested; b) for delivering any prizes or discounts which You may be entitled to through promotions or competitions run by Us or Our partners; c) for any regulatory or legal purposes imposed on Us (for instance for reporting to the Financial Conduct Authority); d) for informing You about other services and products provided by Us or Our partners which may be of interest to You (where You have provided Your consent); and e) for any other legitimate interest of Ours such as for carrying out credit checks, preventing fraud, maintaining adequate records or for the recovery of unpaid debts. You have the right at any time to stop Us from contacting You for marketing purposes or giving Your information to companies outside of the Ripe Group. If You no longer wish to be contacted for marketing purposes, please e-mail xxxxxxxxxxxxxx@xxxxxxxxxxxxx.xx.xx . Some or all of the information you You supply to us Us in connection with your Your insurance proposal may be passed to third parties including: a) insurance and other companies for underwriting, claims and premium collection purposes. ; b) service providers (such as Our partners in order to redeem any promotional offers or for Us to run a promotion); c) credit reference agencies; d) other sub-contractors who may assist Us in providing the services requested from You; and e) to Our partners for marketing purposes (where You have provided Your data will be held in accordance with the Data Protection Xxx 0000, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to the Data Protection Officer at our address (section “About Us”consent). We and/or the insurers or credit providers may use publicly available data information from a variety of sources, including credit reference agencies and other external organisations organisations, to verify your Your identity or creditworthiness to avoid fraud and to obtain beneficial quotes and payment options on your Your behalf. Each of these searches may appear on your Your credit report whether or not your Your application proceeds. For more information explaining how We use Your information please see Our Privacy Policy (xxx.xxxxxx0xxxxx.xx.xx/xxxxxxx-xxxxxx). By agreeing to these terms and conditions you and the Privacy Policy located on Our website, You agree to these uses of your Your information. We will not make your details available to other parties for marketing purposes, but we and other companies also owned by The JRW Group Ltd, may contact you to keep you informed of our and partners latest products and services. We use Industry standard encryption technologies when transferring and receiving customer data information exchanged with our Our web site. HOW TO MAKE A CLAIM Your Insurance Booklet includes a claims procedure, which tells you You what steps you You should take if you You wish to make a claim. You must notify the Claims Department of a claim or circumstance which may give rise to a claim as soon as possible. You will be provided with every assistance in submitting a claim and seeking reimbursement. Full premiums are due before settlement of any claim. OUR RIGHT TO SET OFF MONIES YOU OWE US We, the insurer or claims handler shall be entitled (but not obliged) without notice to youYou, to set off any amounts due from you You against any amounts which weWe, the insurer or claims handler may receive on your Your behalf (such as claims monies, refunded premiums and other sums). Full premiums are due before settlement of any claim. PROTECTING YOUR MONEY Prior to your premium being forwarded to the insurer, and for your protection, the administrator will hold your money as an agent of the insurer in which case your policy is treated as being paid for. PAYMENT Annual Premium Premiums for Insurance are payable and due at the time of application. You may make payment by cheque, credit card (all major credit/debit cards except American Express are accepted), or Direct Debit. The insurance purchase will not be concluded until payment has been received unless otherwise agreed. If a payment is to be collected by Direct Debit and we have been notified by your bank or building society of a failure to make payment to us, the insurance will be cancelled and you will be notified. Monthly Premium using Third Party Instalment Facilities If you choose to pay for your insurance premium using our third party supplier, Premium Credit Limited (PCL) of Premium Credit House, Xxxxx Xxxxx, Xxxxx Xxx, Xxxxxxxxxxx, XX00 0XX, your details will be passed on to them. Any queries or questions about the service provided by PCL should in the first instance be directed to them on +00(0) 000 000 0000. Where your policy is paid via PCL and you choose to renew your cover (or we renew your cover pursuant to section “Policy Renewal” of this agreement), we will again continue to pass your details to PCL. If any Direct Debit or other payment due in respect of the credit agreement you enter into with PCL to pay premiums is not met when presented for payment, or if you end the agreement with PCL, or if you do not enter into a credit agreement with PCL we will be informed of this by PCL. If you do not make other arrangements with us or PCL to pay your insurance premiums, you acknowledge and agree that we may instruct on your behalf any relevant insurer to cancel the insurance. You may still be required to meet any payments for the period of insurance you have received. In assessing your application for credit, PCL will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. This and other information about you may be used to make credit decisions about you and undertake checks for the prevention and detection of money laundering. If your application for credit is accepted, PCL will send you a welcome pack detailing their full terms and conditions and commence collection of instalments. A credit agreement will be included for you to sign and return. PCL may begin collecting your Direct Debits before you return your signed credit agreement to pay for any insurance cover you are receiving. If you have any questions about your instalments, contact PCL on +00(0)000 000 0000. On renewal of your insurance policy we will continue to pass your details to PCL unless you instruct us otherwise. Please read carefully the pre-contractual explanations and the information regarding the cost of credit (including any representative examples). Together they provide important information in relation to the credit facility available from PCL. To use PCL’s facility you must be resident in the UK, aged 18 years or over and hold a bank or building society account which can support Direct Debit payments. Credit is available subject to status.

PROTECTING YOUR INFORMATION. All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by law. Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Xxx 0000, under which you have a right of access to see personal information about abou t you that is held in our records, whether electronically or manually. If you have any queries, please write to the Data Protection Officer at our address (section “About Us”). We and/or the insurers or credit providers may use publicly available data from a variety of sources, including credit reference refere nce agencies and other external organisations to verify your identity or creditworthiness to avoid fraud and to obtain beneficial quotes and payment options on your behalf. Each of these searches may appear on your credit report whether or not your application proceeds. By agreeing to these terms and conditions you agree to these uses of your information. We will not make your details available to other parties for marketing purposes, but we and other companies also owned by The JRW Group LtdRipe Thinking Limited, may contact you to keep you informed of our and partners latest products and services. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with our web site. HOW TO MAKE A CLAIM Your Insurance Booklet includes a claims procedure, which tells you what steps you should take if you wish to make a claim. You must notify the Claims Department of a claim or circumstance which may give rise to a claim as soon as possible. You will be provided with every assistance in submitting a claim and seeking seek ing reimbursement. Full premiums are due before settlement of any claim. OUR RIGHT TO SET OFF MONIES YOU OWE US We, the insurer or claims handler shall be entitled (but not obliged) without notice to you, to set off any amounts due from you against any amounts which we, the insurer or claims handler may receive on your behalf (such as claims monies, refunded premiums and other sums). Full premiums are due before settlement of any claim. PROTECTING YOUR MONEY Prior to your premium being forwarded to the insurer, and for your protection, the administrator will hold your money as an agent of the insurer in which case your policy is treated as being paid for. PAYMENT Annual Premium Premiums for Insurance are payable and due at the time of application. You may make payment by cheque, credit card (all major credit/debit cards except American Express are accepted), or Direct Debit. The insurance purchase will not be concluded until payment has been received unless otherwise agreed. If a payment is to be collected by Direct Debit and we have been notified by your bank or building society of a failure to make payment to us, the insurance will be cancelled and you will be notified. Monthly Premium using Third Party Instalment Facilities If you choose to pay for your insurance premium using our third party supplier, Premium Credit Limited (PCL) of Premium Credit House, Xxxxx Xxxxx, Xxxxx Xxx, Xxxxxxxxxxx, XX00 0XX, your details will be passed on to them. Any queries or questions about the service provided by PCL should in the first instance be directed to them on +00(0) 000 000 0000. Where your policy is paid via PCL and you choose to renew your cover (or we renew your cover pursuant to section “Policy Renewal” of this agreement), we will again continue to pass your details to PCL. If any Direct Debit or other payment due in respect of the credit agreement you enter into with PCL to pay premiums is not met when presented for payment, or if you end the agreement agree ment with PCL, or if you do not enter into a credit agreement with PCL we will be informed of this by PCL. If you do not make other arrangements with us or PCL to pay your insurance premiums, you acknowledge and agree that we may instruct on your behalf any relevant insurer to cancel the insurance. You may still be required to meet any payments for the period of insurance you have received. In assessing your application for credit, PCL will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. This and other information about you may be used to make credit decisions about you and undertake checks for the prevention and detection of money laundering. If your application for credit is accepted, PCL will send you a welcome welco me pack detailing their full terms and conditions and commence collection of instalments. A credit agreement will be included for you to sign and return. PCL may begin collecting your Direct Debits before you return your signed credit agreement to pay for any insurance cover you are receiving. If you have any questions about your instalments, contact PCL on +00(0)000 000 0000. On renewal of your insurance policy we will continue to pass your details to PCL unless you instruct us otherwise. Please read carefully the pre-contractual explanations and the information regarding the cost of credit (including any representative examples). Together they provide important information in relation to the credit facility available from PCL. To use PCL’s facility you must be resident in the UK, aged 18 years or over and hold a bank or building society account which can support Direct Debit payments. Credit is available subject to status.