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Data Privacy Statement

  1. Introduction

    This Data Privacy Statement covers the Personal Data practices of Leadenhall Underwriting Limited, Leadenhall Europe GmbH and Leadenhall Underwriting Europe GmbH “Leadenhall”.

    Leadenhall is committed to protecting your privacy. This Data Privacy Statement explains how Leadenhall processes and protects the Personal Data information we collect, how we meet our obligations regarding data protection and the rights of our customers in respect of their Personal Data in compliance with the applicable Data Protection Regulation:

    Leadenhall Underwriting Limited: UK Data Protection Act 2018

    Leadenhall Europe GmbH and Leadenhall Underwriting Europe GmbH: General Data Protection Regulation (EU 2016/679) and the German Federal Data Protection Act (Bundesdatenschutzgesetz–BDSG).

    To arrange insurance cover, handle insurance claims, and provide related services, Leadenhall and other participants in the insurance industry are required to use and share Personal Data. For an overview of how and why the insurance industry is required to use and share Personal Data please see The Insurance Market Core Uses Information Notice hosted on the website of a UK insurance industry association, the London Market Group (the LMG Notice). Leadenhall use of Personal Data is consistent with the LMG Notice.

  2. Personal Data that Leadenhall Process

    Personal Data

    Leadenhall may collect Personal Data such as:

    • your name
    • date of birth
    • gender
    • contact details, including address, email, telephone numbers
    • marital status
    • financial details, including payment card number, bank account number and account details, income and other financial information
    • employment details, including job title and employment history
    • identification details issued by government bodies or agencies
    • relationship to the policyholder, insured, beneficiary or claimant

    Sensitive Personal Data

    Leadenhall may also collect Sensitive Personal Data about you such as:

    • health information, including health status, injury or disability information, medical procedures performed, current or former physical or mental medical conditions, relevant personal habits (e.g. smoking or consumption of alcohol), prescription information, medical history (including family members)
    • criminal convictions

  3. How Leadenhall use Personal Data

    Leadenhall use your Personal Data for the primary purpose of arranging and administering Insurance cover. This includes:

    • Identifying suitable Insurers and arranging Insurance quotes or contracts based on the instructions of your broker or intermediary
    • Underwriting your Insurance policy, assessing your suitability for a product, issuing quotes, on behalf of Insurers
    • Handling your claim or assessing your claim on behalf of Insurers
    • Assessing any complaint against Leadenhall
    • Handling your complaint or assessing your complaint against Insurers or their agents
    • Conducting checks for fraud, money laundering, bribery, tax evasion, actions and other illegal activities
    • Analysing data, identifying trends to assist in improving our services or offerings
    • For Compliance with our legal and regulatory duties

  4. Leadenhall’s processing and disclosure of your Personal Data

    Leadenhall has implemented reasonable and proportionate physical, technical and administrative security standards to ensure all Personal Data will be collected and processed securely and protected against unauthorised or unlawful processing and against accidental loss, misuse, destruction or damage.

    Personal Data will be provided to Leadenhall’s business partners, service providers and Lloyd’s of London in connection with the provisions of our products and services. In addition, Leadenhall may disclose Personal Data to respond to law enforcement and government official requests, External Dispute Resolution schemes and Ombudsman, legal action, professional and regulatory bodies and to any other parties if required or permitted by law. Leadenhall will also transfer your Personal Data in instances where the Insurance Intermediary acting on your behalf appoints a new service provider to take over any services provided by Leadenhall.

    Personal Data may be transferred to any country, including countries outside the European Economic Area (EEA), for processing, storage, administration or any other use stated in this Data Privacy Statement. The purpose and processing in connection with any transfer will comply with the General Data Protection Regulations and Personal Data handled in countries outside EEA will either receive the same level of protection as if processed in the EEA or adequate safeguards will be provided for.

    Leadenhall has implemented reasonable and proportionate physical, technical and administrative security to protect the Personal Data.

  5. Leadenhall Website usage

    In some instances, Leadenhall will automatically collect certain types of Personal Data when you visit our website. Automated technologies may include the use of Web server logs to collect IP addresses. “cookies” and Web beacons. The collection of this Personal Data will allow us to improve the effectiveness of our Website including refining the content.

  6. Your rights

    Leadenhall strive to maintain Personal Data that is accurate, complete and current.

    Under certain conditions, you have the right to request:

    • Further information about how Leadenhall processes your Personal Data
    • A copy of your Personal Data that Leadenhall maintain. Note: Under normal circumstances this information will be provided free of charge, however, Leadenhall have the right to charge for any manifestly unfounded or excessive requests
    • Any incomplete or inaccurate Personal Data is updated
    • The deletion of Personal Data that Leadenhall no longer have legal ground to process
    • Where processing is based on consent, withdraw consent (although Leadenhall may still store the Personal Data)

    Requests may be sent to Leadenhall at:

    The Compliance Officer
    Leadenhall Underwriting Limited
    1 King William Street
    London
    EC4N 7AF

    Email: dataprotection@leadenhall-eu.com

    These rights are subject to certain exemptions to safeguard the public interest, for example the prevention or detection of crime, and Leadenhall’s interests, for example maintenance of legal privilege.

    Leadenhall will respond to most requests within 30 days.

    Personal Data requested from Leadenhall will be provided in a format that allows you to move, copy or transfer Personal Data in a safe and secure way, retaining full usability and between normal IT environments.

    If Leadenhall are unable to resolve you request or if you have a complaint about how your Personal data has been stored, processed or disclosed by Leadenhall you may contact the applicable data protection regulator:

    Leadenhall Underwriting Limited : The Information Commissioners Office

    Leadenhall Europe GmbH and Leadenhall Underwriting Europe GmbH : BfDI

  7. Personal Data Retention

    Leadenhall’s retention periods for Personal Data are based on business needs and legal requirements. Leadenhall retain Personal Data for as long as is necessary for the processing purpose(s) for which the information was collected, and any other permissible, related purpose.

    When Personal Data is no longer needed, Leadenhall will either irreversibly anonymise the data (in which case we may further retain and use the anonymised information) or securely destroy the Personal Data.

  8. Consent

    In order to arrange insurance cover, handle insurance claims, and provide related services, unless another legal basis applies, Leadenhall will rely on your and / or the data subjects consent to process Sensitive Personal Data including criminal conviction records.

    This consent enables Leadenhall to share this Data with other parties to be able to provide the services requested of Leadenhall by the insurance intermediary acting on your behalf. Without consent Leadenhall will not be able to provide the services requested by the insurance intermediary on your behalf.

    Where information is provided to Leadenhall about a person or persons other than yourself, you agree to notify them of our use of their Personal Data and obtain consent for the use of Sensitive Personal Data. You further agree to make them aware of where the Leadenhall Data Privacy Statement is available and recommend it is read.

    Any individual may withdraw their consent at any time by contacting Leadenhall Underwriting as per the contact details including within Section 6 of this Data Privacy Statement. It is recommended that you firstly contact the insurance intermediary that acts on your behalf.

    Withdrawing consent may result in the insurance coverage not being able to continue and / or claims to not be administered.

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