Use of Your Data
Whether or not you enter into a Policy with us, all the information you give to us, MarketGuard Insurance Company Limited, or we obtain about you will be held by us and may be used in accordance with this data protection statement. We will hold your information securely and in accordance with data protection laws. We may also share your information with our group of companies, our associated companies, service providers or agents who may be located in other countries, who may use it for the same purposes. Where we disclose your information to third parties or transfer it to Gibraltar and countries outside the European Economic Area, we will endeavour to ensure that any recipient of your data will treat it with the same level of protection as we would. MarketGuard Insurance Company is subject to the Gibraltar Data Protection Act 2004.
Where applicable we may also obtain information about you from your mortgage provider and any underwriter and we may share with them any information we hold about you in relation to providing the Policy to you.
We may use your information for:
- assessing your application, administering your Policy (including your payment of the premium) and providing the insurance services to you in accordance with your Policy;
- providing you with information on, and offers of, renewal of your Policy when it is due to expire;
- underwriting your Policy and handling any claims arising from your Policy;
- our own internal administration and business purposes;
- provide market research and statistical analysis and to develop and improve our products and services.
As part of the process of providing you with our Product, we may undertake certain checks or exchange information through various databases. We may also exchange information with other insurers or management companies through various databases to help us check information provided and also to prevent fraud. We may share information with credit reference agencies, in particular if you take out a monthly policy or a policy with a credit agreement. Should we make any checks or exchange information we will include further details within the Website or when we write to you.
We, our group companies and associated companies may also identify and advise you by post, telephone or electronic media of products or services, which we think may interest you. If you would prefer not to receive this information you can write to us any time to ask not to receive such information or tick the boxes on the application form.
We may monitor or record calls, emails, text messages or other communications in accordance with English law. Such recording or monitoring may take place for business purposes such as quality control and training, prevention of unauthorised use of telecommunication systems and websites, ensuring effective systems operation, prevention or detection of crime, and protection of your personal data.
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Protecting Your Information
We will capture your personal data via a secure link using technology that encrypts data while it passes over the web. This process may be indicated by a padlock in the status bar at the bottom of your screen.
We use Firewalls to prevent unauthorised traffic from entering our servers. Our servers are kept in a secure location and can only be accessed by authorised personnel.
Sensitive Personal Data
Certain information collected may be classified as sensitive and we can only use such data where we have your explicit consent or otherwise in compliance with data protection law. This data relates to racial or ethnic origin, political opinions, religious beliefs, trade union membership, physical or mental health, sexual life, criminal proceedings and offences.
Access to Your Information
In the case of personal data, with limited exceptions, you have the right to ask us for a copy of the information we hold on you for a small fee and if necessary correct it by contacting us as the address below:
MarketGuard Insurance Company Limited
PO Box 1338
Grand Ocean Plaza
Tel: 0844 55 55 444
Email: General enquiries