Privacy Policy
Privacy Policy v 1.1 15/03/2022
Advance Schemes Limited and its affiliated companies and subsidiaries (collectively referred to
any,” “we,” or “us”) respect your privacy. This Privacy Policy Statement describes the ways we
collect information from and about you, and what we do with the information, so that you may
decide whether or not to provide information to us. By accessing our website, or purchasing our
products or services you agree to this Privacy Statement in addition to any other agreements we
might have with you. This Privacy Statement does not govern the practices of entities that our
Company does not own or control, or entities that do not own or control our company or people
that our Company does not employ or manage. This Privacy Policy Statement includes the
Company’s Privacy Policy Statement.
Privacy Policy Statement
1. Our Collection of your Personal Information
The information we collect may include your personal information, such as your name, contact
information, IP addresses, product and service selections and date of birth, marital status, gender,
driving licence number, medical history, criminal records, etc. We collect personal information from
you at different points, including but not limited to the following:
• when we correspond with you as a customer or prospective customer;
• when you visit our website;
• when you take out an insurance policy via us;
• when you contact us for help; and
• If you contact us to arrange a change to or renew your policy.
2. Our Use of your Personal Information
Our Company may use information that we collect about you to:
• deliver the products and services that you have requested;
• manage your customer relationship and provide you with customer support;
• perform research and analysis about your use of, or interest in, our products or services;
• communicate with you by e-mail, postal mail, telephone and/or mobile devices about
• products or services that you may hold with us, may be of interest to you either from us, or
• other third parties;
• verify your eligibility to credit facilities; and
• transfer personal information to third parties for any legally permissible purpose in our sole
• discretion.
• enforce our terms and conditions.
• Quotation/Inception:
- Setting you up as a client, including possible fraud, sanctions, credit and anti-money
laundering checks
- Evaluating the risks to be covered and matching to appropriate policy/ premium
- Payment of premium where the insured/policyholder is an individual
• Policy administration:
- Client care, including communicating with you and sending you updates
- Payments to and from individuals and companies
• Claims Processing:
- Managing insurance and reinsurance claims
- Defending or prosecuting legal claims
- Investigation or prosecuting fraud
• Renewals:
- Contacting the insured/policy holder to renew the insurance policy
- Evaluating the risks to be covered and matching to appropriate policy/ premium
- Payment of premium where the insured/policyholder is an individual
• Other purposes outside of the insurance lifecycle but necessary for the provision of
• insurance throughout the insurance lifecycle period:
- Complying with our legal or regulatory obligations
- General risk modelling
- Transferring books of business, company sales & reorganisations
We DO NOT sell personal information to third parties.
3. Our Disclosure of your Personal Information to Third Parties
We may share your personal information with third parties only in the ways that are described in
this Privacy Statement:
• we may provide your information to our partner insurers and service providers who perform
functions on your/our behalf;
• we may provide your information to our service providers who perform functions on our
behalf. Usually our service providers sign a standard confidentiality agreement;
• we may share your data with any parent company, subsidiaries, joint ventures, other
entities under a common control or third party acquirers. We would direct these other
entities to honour this Privacy Statement;
• we may allow a potential acquirer or merger partner to review our databases, although we
would restrict their use and disclosure of this data during the diligence phase and direct
them to treat the data confidentially;
• as required by law enforcement, government officials, or other third parties pursuant to a
court order, or other legal process or requirement applicable to our Company; or when we
believe, in our sole discretion, that the disclosure of personal information is necessary to
prevent physical harm or financial loss, to report suspected illegal activity or to investigate
violations of our agreements or Company policies; and
• other third parties with your consent or direction to do so.
Please note that these third parties may be in other countries where the laws on processing
personal information may be less stringent than in your country.
4. Our Security Measures to Protect your Personal Information
Our systems have security measures in place to help protect information under our control from the
risk of accidental or unlawful destruction or accidental loss, alteration or unauthorised disclosure or
access. Our security measures include, but are not limited to the following:
• Physical security of office
The office is locked overnight. All drawers and file cabinets that may hold Personal
Information are locked and the keys removed. Keys are kept in a locked lock-box when not
in use, the key to this is hidden within the office.
• Clear desk policy
Employees lock any papers that contain Personal Information in desk drawers overnight,
the drawer keys are secured in a lock-box (see above).
• Paperless Office
Any printed documents that contain Personal Information are shredded as soon possible.
• Computers passworded
• All PC’s/MAC’s are turned off at close of business and require a password to access them
when turned on. Each PC/MAC has a different password set by the user. Passwords are
not shared.
• Third Party systems passworded
All third party systems require password access. Passwords are unique to the individual
user, users do not share passwords.
• No removal of personal data from office
Employees are not permitted to remove Personal Information from the office via any
medium (email, memory stick, etc).
Third Party Permission
• We will not provide Personal Information to any member of your family, friends, etc without
your express written consent.
5. Our Use of Cookies and Links
Our web pages use “cookies.” Cookies are text files we place in your computer’s browser to store
your preferences. Cookies, by themselves, do not tell us your e-mail address or other personally
identifiable information unless you choose to provide this information to us by, for example,
registering at one of our sites. However, once you choose to furnish the site with personal
information, this information may be linked to the data stored in the cookie. We use cookies to
understand site usage and to improve the content and offerings on our site. We also may use
cookies to offer you products or services. You have many choices with regards to the management
of cookies on your computer. All major browsers allow you to block or delete cookies from your
system. To learn more about your ability to manage cookies, please consult the privacy features in
your browser.
We may create links to other web sites. We will make a reasonable effort to link only to sites that
meet similar standards for maintaining each individual’s right to privacy. However, many other sites
that are not associated with or authorized by our Company may have links leading to our site. Our
Company cannot control these links and we are not responsible for any content appearing on
these sites. Since our website does not control the privacy policies of third parties, you are subject
to the privacy practices of that third party. We encourage you to ask questions before you disclose
any personal information to others.
6. Our Retention of your Personal Information
We will retain any personal information only for as long as is necessary to fulfill the business
purpose it was collected. We will also retain and use your personal information for as long as
necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
7. International Transfers of your Personal Information
Information collected from you may, on occasion be stored and processed outside the UK in any
other country in which our Company or agents maintain facilities, and by accessing our sites and
using our services, you consent to any such transfer of information outside of your country.
8. Your Access to and Updating of your Personal Information
Reasonable access to your personal information may be provided at no cost upon request made to
our Company at the contact information provided below. If access cannot be provided within that
time frame, our Company will provide the requesting party a date when the information will be
provided. If for some reason access is denied, we will provide an explanation as to why access has
been denied.
9. Changes to our Privacy Statement
This Privacy Notice is subject to change. It was last updated on 15/03/2022 . If we make changes to
this Privacy Notice, we will update the date it was last changed.
10. Contacting Us
If you have any questions about this Privacy Statement, our practices or have any concerns
please contact our Privacy Officer at:
2 KD Plaza
Cotterells
Hemel Hempstead
Hertfordshire
HP1 1AX
info@advanceschemes.com
01442 256783