About your Privacy on this website
The privacy of our customers and visitors to this Website is of great importance to Chartis companies (collectively, “Chartis”). Please read this Privacy Policy carefully as it explains the basis on which any personal information Chartis may collect about you, or that you may provide to us, will be processed and used by us, or on our behalf, in order to satisfy your requirements.
By using this Website you agree to the collection, use, transfer and storage of your personal information as set out in this Privacy Policy. If you do not agree to this Privacy Policy please send an e-mail to directtravelservice@travelguard.com and refrain from using this Website
© 2010 Chartis, Inc. All rights reserved - Chartis Direct is a trading name of UNAT DIRECT Insurance Management Limited (company no. 3960626) whose registered office address is 96 George Street, Croydon, Surrey CR9 1BU. For the purposes of the Data Protection Act 1998, UNAT Direct Insurance Management Limited is the data controller for any personal information that you provide when using this Website.
Why do we collect information?
It is our goal to provide you with a unique and personalised internet experience, and ensure that you receive information from us that is specific to your needs and interests.
What information is collected?
We may collect and process the following information about you.
- Information that you provide by filling in online forms on this Website. This includes:
- information provided at the time of registering to use this Website (where applicable), when you will be required to give certain contact information (such as name and e-mail address), unique identifiers and demographic information (such as address or postal code);
- when you agree to take a service or product from us, or request further products or services, in which case the information may include your contact details, age, payment method and bank details; and
- any additional information you provide, for example, if you enter a sales promotion or competition promoted by Chartis, or if you ever need to report a problem with this Website.
- If you contact us with an enquiry or in response to a communication from us, we may keep a record of that correspondence, and such information may tell us something about your preferences.
- We may also ask you to complete surveys that we use for market research purposes, although you do not have to respond to them.
- Details of transactions you carry out through this Website and or the fulfilment of your requests for products or services.
- Details of your visits to this Website including, but not limited to, traffic data, location data, weblogs and other communication data, whether required for our own billing purposes or otherwise, and the resources that you access.
- We may also collect personal information relating to your spouse, partner or other family members, including their name and age. By providing us with information relating to your spouse, partner or other family members, you confirm that you have that individual’s consent to such disclosure and you are duly authorised to give us such information for the purpose of obtaining an insurance policy with Chartis through this Website.
Computer information and internet cookies
We monitor and analyse traffic and use of this Website in order to determine which features and services are popular or useful for visitors, so that we can improve our services. We also may prepare aggregated user statistics or information summaries to describe our services and their popularity to our partners and prospective advertisers, and for other lawful purposes.
We may collect information about how you navigate to and through this Website, and how long you stay on our web pages, and about your computer, including, where available, your computer’s IP address (i.e. your computer’s address on the internet), operating system and the type of internet browser that you use.
We collect this information by using a service that collects data remotely by using tags, known as “web beacons”, which are embedded in the content of this Website. This information is statistical data about browsing activities and patterns, and does not identify any individual as it does not include your name, e-mail address, or any other contact information.
We share this information with other Chartis subsidiaries and affiliates, and with our third party service providers, including Omniture, Inc (“Omniture”). Our third party service providers provide us with reports of this aggregated and anonymous data. We use the reports and data to improve this Website by responding to your interests and by providing information designed to be more relevant and useful to you. To learn more about Omniture’s privacy standards and use of web beacons, please visit:http://www.omniture.com/company/acquisitions/visualsciences/privacy/policy
For the same reason, we may obtain information about your general internet usage by using an internet browser feature known as “cookies”. Cookies are files containing information which are stored on the hard drive of your computer.
Cookies enable us:
- To improve this Website and to deliver a better and more personalised content specific to your interests by storing information about your preferences.
- To speed up your searches.
- To recognise you when you return to this Website, including by saving your password so you that you do not have to re-enter it each time you visit this Website.
- To estimate our audience size and usage pattern.
Cookies, by themselves, cannot be used to disclose your individual identity. The information which they contain identifies your internet browser, but not you, to our internet servers when you visit this Website.
You may refuse to accept cookies by activating the setting on your internet browser which allows you to refuse cookies. However, if you select this setting you may be unable to access or use certain features of this Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you access this Website.
Where is information stored and transferred?
The information that we collect from you will be stored on Chartis computers and servers, and may be transferred to a centralised system located outside of the European Economic Area ("EEA") for storage and/or processing by staff who work for us, or for one of our third party suppliers. Such staff maybe engaged in, among other things, the fulfilment of your order for products or services, the processing of your payment details and the provision of support services.
You understand that by submitting your personal information to us (e.g. at the online insurance proposal form stage where you agree and accept the “Declaration”), your personal information may be transferred, stored and/or processed outside of the EEA, and you will not be able to complete transactions on this Website if you do not wish your information to be transferred, stored and/or processed in this way.
We will:
- take all steps reasonably necessary to ensure that your personal information is treated securely and in accordance with this Privacy Policy; and
- keep your personal information in secure data storage in order to safeguard it from unauthorised access and for no longer than necessary for the identified purposes, or as required by law.
How is information used?
We may use information held about you in the following ways:
- To ensure that content from this Website is presented in the most effective manner for you and for your computer.
- To tailor your experience at this Website, showing you content that we think you might be interested in, and displaying the content according to your preferences.
- To carry out our obligations arising from any contracts entered into between you and us.
- To allow you to participate in interactive features of our service, when you choose to do so.
- To contact you where necessary, e.g. to notify you about changes to our services.
- For the purpose of setting up and administering your insurance.
- To help make decisions on you.
- To assess and process insurance claims.
- To prevent and detect crime including (without limitation) fraud and money laundering.
- To comply with any legal obligation imposed on Chartis.
- For the purposes of Chartis’s legitimate interests.
Any financial information that may be collected will only be used to effect the purposes of this Website and to bill you for products and services that you have purchased through this Website.
Marketing
By providing personal information using the online forms on this Website, you understand and agree that such information may be used by us, other Chartis subsidiaries and affiliates, and selected third party partners of Chartis, to contact you by post, telephone or electronically (including by e-mail, SMS text and digital television) about other selected products, services and promotional offers of Chartis, and selected third party partners of Chartis, which may be of interest to you.
Any partners with whom we share any information are committed to maintaining the privacy of your information as outlined in this Privacy Policy.
If you do not want us to use your information in this way, or to pass your details on to third parties for marketing purposes, please tick the relevant box situated on the form on which we collect your information (e.g. at the online insurance proposal form stage) or send an e-mail, at any time to: directtravelservice@travelguard.com
Disclosure of information
We may disclose your personal information to any Chartis subsidiary or affiliate.
We may disclose your personal information to third parties:
- For the marketing purposes set out above.
- In the event that we sell or buy any business or assets, in which case we may disclose your personal information to the prospective seller or buyer of such business or assets.
- If all or substantially all of UNAT Direct Insurance Management Limited’s assets are acquired by a third party, in which case personal information held by it about its customers will be one of the transferred assets.
- If required by any enactment, rule of law or by any order of a court.
- If it is in Chartis’s legitimate interests to do so, including (without limitation) in order to enforce or apply the Terms of Use of this Website or other terms and conditions of supply and other agreements, or to protect the rights, property, or safety of Chartis, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
Access to your personal information
At your request, we will provide you with access to information we hold about you in accordance with your rights under the Data Protection Act 1998.
To make an access request, please send an e-mail to directtravelservice@travelguard.com
Any access request may be subject to a fee up to the statutory permitted maximum to meet our costs in providing you with details of the information which we hold about you.
You have a right to correct any inaccurate data held about you. Please be advised that some residual information may remain because of necessary backup systems.
Final comments on our Privacy Policy
Chartis is expressly committed to maintaining your privacy. Your information will be protected in accordance with applicable data protection legislation. However, this Website is on the internet, but it is not the internet itself. The transmission of information via the internet is not completely secure. While we will do our best to protect your personal information, we cannot guarantee the security of your information transmitted to this Website and any transmission of information 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.
We cannot guarantee that any information that you may voluntarily disclose on the internet outside this Website is kept private. We also take no responsibility for private information that you disclose while on the internet.
This Website may, from time to time, contain links to and from the websites of our partner networks, advertisers and Chartis subsidiaries and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal information to these websites. If you have any questions regarding privacy of your information on other sites on the internet, we suggest that you contact those websites directly.
All telephone calls which you make to any telephone number that appears on this Website may be recorded and monitored for the purpose of quality assurance, our mutual protection, fraud detection, and regulatory compliance.
Where we have given you (or where you have chosen) a password which enables you to access certain parts of this Website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
We may change this Privacy Policy from time to time. Any changes we may make will be posted on this page and you are advised to check this page periodically for any changes. Where appropriate, we may also notify you of certain changes by e-mail.
