Privacy

Privacy Policy

Introduction
This notice describes how we collect, use, share and retain the information you provide, and informs you about your choices regarding use, access, and correction of your personal information. We are committed to ensuring any personal data we receive is protected and handled in accordance with applicable data protection laws. 

Insurance involves the use and disclosure of your personal data by various insurance market participants such as intermediaries, brokers, insurers, and reinsurers. There will be other times, such as when you request information or a publication, when we will need to obtain personally identifiable information from you or about you. Such personally identifiable information may include your name, company, mailing address, e-mail address, telephone number, etc. However, this information will not be collected without your knowledge. 

Please read the following carefully to understand how we will treat your personal information.

Collecting your data
We collect and use relevant information about you to provide you with your insurance cover or the insurance cover that benefits you and to meet our legal obligations.

We may collect a range of personal and business information supplied by you or third parties on your behalf.

Specifically, we may collect the following information throughout the duration of your relationship with us:

  • Basic personal details such as your name, address, date of birth or age, gender, marital status, and additional information about your insurance requirements
  • Contact details, such as email addresses and telephone numbers, related to correspondents, brokers and/or other relevant connections to insurance business
  • Personal information and health information related to your insurance requirements and details of any specific claims

We may also collect special category data, such as race, ethnic origin, politics, religion, trade-union membership, genetics, biometrics, health, sex life or sexual orientation, when needed, to provide insurance or process claims. This information will only be used for the specific purpose for which it was provided and to carry out the agreed service. In certain instances, we will also need to collect and process special category data relating to individuals who may benefit from the policy. Where necessary, we will obtain your specific consent to use special category data. We may do this via an intermediary or broker.

We may collect data about other individuals, such as employees, family, or members of your household. If you give us information about another person, it is your responsibility to ensure and confirm you have told that person why and how their personal data will be used and you have that person’s permission to provide that data (including any special category data) to us and for us to process it. 

Collection of information from children 
We do not knowingly collect personal information from anyone under the age of 13. For more information about protecting your child’s privacy online, visit the US Federal Trade Commission website.

Other considerations
When you use some Mosaic products, services, or applications, or post on a Mosaic online forum, including social media like Facebook, LinkedIn, Twitter, or other sites, the personal information and content you share is visible to other users and can be read, collected, or used by them.

California privacy rights 
California Civil Code Section §1798.83 and the California Consumer Privacy Act (CCPA) permits users of our website who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. The CCPA also provides California residents the right ‘To Be Forgotten’ by a company. To make such a request, please send us a message via our email: info@mosaicinsurance.com.

Using your information
We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

  • Assessing your application for a product, service, or quote
  • Providing and administrating relevant insurance policies
    • Client care, including communicating with you
    • Payments to and from individuals
    • Verifying your identity and carrying out sanctions/anti-fraud/financial crime checks
    • Handling claims
    • Managing insurance and reinsurance claims
    • Defending or prosecuting legal claims
    • Investigation or prosecuting fraud
    • Dealing with complaints
    • General risk modelling
    • Renewals
    • Contacting the policyholder to renew your policy
    • Evaluating the risk to be covered and matching to appropriate policy/premium
    • Payment of premium
    • Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
    • Where we need to comply with legal or regulatory obligations.
    • Transferring books of business, company sales & reorganisations. 

Retention of your information
We will keep your personal data only for as long as it is necessary and for the purpose for which it was originally collected. In particular, for so long as there is any possibility that either you or we may wish to bring a legal claim under your policy of insurance, or where we are required to keep your personal data due to legal or regulatory reasons. 

Retention of specific personal data may be necessary for one or more of the following reasons:

    • To fulfil statutory or other regulatory requirements
    • To evidence events/agreements in case of disputes
    • To meet our operational needs
    • To save data for historical purposes

We will securely delete or erase your personal information if there is no valid business reason for retaining your data. 

Details of specific retention periods for different aspects of your personal data are available in our Detention Retention Policy which you can request from us, via our contact details below.  

Sharing your information
The way insurance works means your information may be shared with, and used by, a number of third parties in the insurance sector—for example, insurers, agents or brokers, reinsurers, loss adjusters, premium collection and claims-validation processors and providers, sub-contractors, regulators, law enforcement agencies, fraud and crime-prevention and -detection agencies and compulsory insurance databases. We will only disclose your personal information in connection with the insurance cover we provide and to the extent required or permitted by law.

We require all third parties to respect the security of your personal data. Parties processing data on our behalf are only permitted to process your personal data for specified purposes and in accordance with our instructions.

Transfer of your information
From time to time, we may need to share your personal information with other insurance market participants or their affiliates, who may be based outside of your country of residence. We may also make other disclosures of your personal information, for example, if we receive a legal or regulatory request from a foreign law enforcement body. 

We will always take steps to ensure any international transfer of information is carefully managed to protect your rights and interests.

    • We will only transfer your personal information to countries which are recognised as providing an adequate level of legal protection or where we can be satisfied alternative arrangements are in place to protect your privacy rights
    • Where applicable, transfers of data overseas will be covered by standard contractual clauses adopted by the European Commission, which give specific contractual protections designed to ensure your personal information receives an adequate and consistent level of protection
    • Any requests for information we receive from law enforcement or regulators will be carefully checked before personal information is disclosed

Please contact us if you want further information on the specific mechanism used by us when transferring your personal data. 

Storing your information
We have put in place appropriate security measures to prevent your personal data being accidentally lost, used, or accessed in an unauthorised way, altered, or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

Confidentiality and security 
We will not add your name to mailing lists unless you specifically request we do so. We do not share, sell, lease, or rent our mailing or customer lists to third parties. We may use third parties to help us administer e-mail alerts. If personally identifiable information (i.e. name, address, e-mail address, telephone number) is provided to any of these third parties, we will require that they maintain such information in strictest confidence in compliance with this policy. We also assess new technology for protecting customer information on an ongoing basis. 

We take the security of your personal information seriously and make appropriate technical and organizational measures against unauthorized or unlawful processing of personal data, and against accidental loss, destruction of, or damage to, personal data. 

Although we take appropriate measures to protect the security of the information communicated through the website, no internet connected computer system can be made absolutely secure from intrusion. We therefore cannot and do not guarantee that information communicated by you to us will be received, or that it will not be altered before or after its transmission to us. If you elect to use the website to communicate with us, you do so at your own risk. 

Your rights
Under certain circumstances, you have rights under data-protection laws in relation to your personal data:

    • Request access to your personal data
    • Request correction of your personal data
    • Request erasure of your personal data
    • Object to processing of your personal data
    • Request restriction of processing your personal data
    • Request transfer of your personal data
    • Right to withdraw consent

Request access to your personal data (commonly known as a “data subject access request”). You are entitled to a confirmation whether we are processing your data; a copy of your data and information about purposes of processing; whom do we disclose it to; whether we transfer it abroad and how we protect it; how long we keep it for; what rights you have; where we got your data from: and how you can make a complaint. This enables you to receive a copy of the personal data we hold about you and to check we are lawfully processing it.

Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.

Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully, or where we are required to erase your personal data to comply with local law. Note, however, we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.

Please be advised there may be consequences if you exercise your right to erasure. If you subsequently make a claim, it may be impossible to administer your claim without your personal data.

Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate we have compelling legitimate grounds to process your information which override your rights and freedoms.

Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data’s accuracy; (b) where our use of the data is unlawful, but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it, as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data, but we need to verify whether we have overriding legitimate grounds to use it.

We can continue to use your personal data following a request for restriction, where we have your consent; to establish, exercise or defend legal claims, or to protect the rights of another natural or legal person.

Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note this right only applies to automated information which you initially provided consent for us to use, or where we used the information to perform a contract with you.

Ability to opt-in/out 
When you sign up for a particular service that requires registration, we may ask you to provide certain information. If we use this information in a manner different from the purpose for which it was collected, then we will ask for your consent prior to such use.

When you engage us to provide insurance services, we may ask you for personal information (such as your name, address, social security number, date of birth, phone numbers, credit-card information and email address) which we maintain in encrypted form on secure servers. We may combine the information submitted under various forms and services in order to provide customers with a better experience and to improve the quality of our services.

If we propose to use your personal information for any purposes other than those described in this policy and/or in the specific service notices, you may “opt-out”—or say no to—having your information shared by contacting us through our contact page. We will not collect or use sensitive information for purposes other than those described in this policy and/or in the specific service notices, unless we have obtained your prior consent.

If you do choose to decline to submit personal information to any of our services, there may be some instances in which we may not be able to provide those services to you.

Changes to our privacy notice
We may amend this Privacy Policy from time to time for example, to keep it up to date or to comply with legal requirements. You should regularly check this policy for updates. If there will be any significant changes made to the use of your personal information in a manner different from that stated at the time of collection, we will notify you by posting a notice on our website.

How to contact us:
For any questions or concerns relating to this Privacy Policy, or our data-protection practices, or if you would like to exercise any of your rights as defined above, please contact: 

Olly Reeves
Group Chief Risk Officer, Mosaic Insurance
olly.reeves@mosaicinsurance.com

You may also contact our principal firm and Managing Agent, Asta Managing Agency at:

Data Protection Manager
5th Floor Camomile Court
23 Camomile Court
London EC3A 7LL
UK
DPM@asta-uk.com 

Complaints
If you are not satisfied with our response, or believe we are not processing your personal data in accordance with legal requirements, you can make a complaint to relevant data protection authorities.