Privacy Statement
www.riaionline.com (the "Website")
RIAI Insurance Services Limited ("we","us" and "our") is
committed to protecting and respecting your privacy. This Privacy Statement
(together with our style="text-decoration:underline" target="_blank">Website Terms of Use and any
other documents referred to on it) sets out the basis on which any personal data
we collect from you, or that you provide to us, will be processed by us. Please
read the following carefully to understand our views and practices regarding
your personal data and how we will treat it. By using this Website you are
agreeing, and you are signifying your agreement, to be bound by this Privacy
Statement. You acknowledge that we are an insurance broker and we contract with
CFC Underwriting Limited for the provision of your insurance cover. For the
purpose of the Data Protection Acts, 1998 and 2003 (the ?Act?), the data
controller is CFC Underwriting Limited (company number: 3302887) with an address
of Bevis Marks House, Bevis Marks, London EC3A 7JB, and we are the data
processor.
INFORMATION WE MAY COLLECT FROM YOU
During your use of this Website we may collect and
process the following data about you or your business:
- information that you provide by filling in an application form on our Website. This includes
information provided when using our Website to obtain a quotation or requesting
further services. We may also ask you for information when you report a problem
with our Website;
- if you contact us, we may keep a record of that correspondence;
- details of transactions you carry out through our Website, the
quotations obtained and of the insurance policies purchased; and
- details of
your visits to our Website and the resources that you access.
By using this Website you warrant that you have the relevant consents to pass such information
to us and to process such information within the meaning of the Act. We will
treat such information in confidence.Other than as described in the sections
Other than as described in the sections
headed "How we use your data" and "Disclosure of Personal Information", we will
not disclose any such information to third parties except where your or your
business’ permission has been received or where permitted or required by law or
where we are required to pass such information to regulatory bodies We may also
collect information about your computer including where available your IP
address, operating system and browser type, for system administration and to
report aggregate information to insurers. This is statistical data about our
users' browsing actions and patterns, and does not identify any individual. For
the same reason, we may obtain information about your general internet usage by
using a "cookie" file, which is stored on the hard drive of your computer.
Cookies contain information that is transferred to your computer's hard drive.
They help us to improve our Website and to deliver a better and more
personalised service. on your browser which allows you to refuse the setting of cookies. However, if
you select this setting you may be unable to access certain parts of our
Website. Unless you have adjusted your browser setting so that it will refuse
cookies, our system will issue cookies when you log on to our Website.
ACCESSING OUR WEBSITE
Access to our Website is permitted on a temporary basis, and we reserve the
right to withdraw or amend the service we provide on our Website without notice.
From time to time, we may without liability restrict access to some parts of our
Website, or our entire Website. If you choose, or you are provided with, a user
identification code, password or any other piece of information as part of our
security procedures, you must treat such information as confidential, and you
must not disclose it to, or permit its use by, any third party. We have the
right to disable any user identification code or password, whether chosen by you
or allocated by us, at any time, if in our opinion you have failed to comply
with any of the provisions of these Terms of Use. You are responsible for making
all arrangements necessary for you to have access to our Website. You are also
responsible for ensuring that all persons who access our Website through your
internet connection are aware of these terms, and that they comply with them.
HOW WE USE YOUR DATA
We use information held about you or your business in the following ways:
- to ensure that content from our Website is presented in the most effective manner for you and for your computer;
- to provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes. Should you wish not to receive such information please contact RIAI Insurance Services Ltd, 25/28 Adelaide Road, Dublin 2.
- to manage your insurance contract (including liaising with CFC Underwriting Limited in relation to the underwriting of your insurance policy, and handling claims under the insurance policy which may include disclosing information to adjusters, legal advisers and other experts, to a legal regulatory body or court, to insurance intermediaries, underwriters or insurers, and to other specialists or providers of services in respect of your insurance contract);
- for administration purposes with respect to your insurance policy and in relation to customer service; and
- to notify you about changes to our service.
We may share your information with other members of our corporate group to help us:
- to recover debt; and
- to comply with our legal obligations in respect of the prevention and detection of crime.
By using this Website you consent to your or your businesses information being used in this way.
We will not collect or keep your personal information unless it is necessary for the purposes set out in this Privacy Statement and we do not keep your personal data for longer than is necessary for these purposes or is required by law.
DISCLOSURE OF PERSONAL INFORMATION
Your personal information will be disclosed by us to CFC Underwriting Limited Your personal information will be disclosed by us to CFC Underwriting Limited for the purposes of underwriting your insurance policy. In addition, and other than as described in the section headed
"how we use your data", we may also share your personal information for the purposes set out in this Privacy Statement with agents or service providers, other insurance and financial services companies, those to whom we outsource certain business operations or regulatory organisations.
You acknowledge and agree that in certain circumstances, your personal information may need to be disclosed to third parties, for example, in order to conform to any requirements of law or to comply with any legal process, as well as protect and defend our rights.
STORAGE OF YOUR PERSONAL DATA
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 processed by staff operating outside the EEA who work for us or for one of our suppliers. By submitting your personal data, you agree to this transfer, storing or processing. We will take steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Statement.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our Website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
RIGHT OF ACCESS TO INFORMATION
The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of ?6.35 to meet our costs in providing you with details of the information we hold about you.
RIGHT TO RECTIFICATION
If at any time after submitting your personal information via the Website you decide that you no longer wish for your personal information to be held or used, or if information held about you by us becomes out of date, please contact RIAI Insurance Services Ltd, 25/28 Adelaide Road, Dublin 2. Upon receipt of this request, we will endeavour to remove or rectify the information promptly.
LINK TO THIRD PARTY WEBSITES
You should be aware that when you link to another website from our Website, your use of that website is subject to the relevant terms and conditions and privacy statement of that Website. Your use of that third party website is subject to its specific terms and conditions and privacy statement. We make no guarantees in respect of your privacy when you access and use third party websites.
CHANGES TO OUR PRIVACY STATEMENT
Any changes we may make to our Privacy Statement in the future will be posted on this page and, where appropriate, notified to you by email. This may include (without limitation) changes to how we use your data.
CONTACT DETAILS
Questions, comments and requests regarding this Privacy Statement or the Terms of Use should be addressed to RIAI Insurance Services Ltd, 25/28 Adelaide Road, Dublin 2.
DISCLAIMER
This Clause limits our legal liability to you for your access to and use of the Website. We recommend that you read this Clause carefully. RIAI Insurance Services Limited, or our, directors, employees, servants and agents, affiliates or other representatives and their respective parent and subsidiary companies, shall not be liable in respect of any claims, demands, damages, losses, expenses, causes of action, including without limitation to, reasonable legal fees and costs of proceedings arising out of or in connection with the use and/or dissemination of your personal information in accordance with this Privacy Statement and your consent.
GOVERNING LAW
This Privacy Statement is governed by the laws of Ireland and you hereby submit to the exclusive jurisdiction of the Irish courts.
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