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Security, Privacy Policy & Cookies

Security, Privacy Policy & Cookies
Ref:SPPCOOK09052018

PRIVACY POLICY

About Us

Kaput Limited [“Kaput” “we”, “us”, “our”] the Data Controller. Our registered address is Holton Business Park, Hadleigh Road, Holton St Mary, Colchester, CO7 6NN Registered in England and Wales, Company Number 09058922. 

This Privacy Policy explains how we use personal information that we collect from you. By providing your personal information to us, you acknowledge your consent to its processing in accordance with this Privacy Policy.  Kaput is authorised and regulated by the Financial Conduct Authority our registered number is 7000071; we are also registered with the Information Commissioner Registration Number ZA126750.  This Privacy Policy is supplemental to our Website terms of use.

Any personal information you supply to Kaput will be treated in accordance with the General Data Protection Regulation and such other legislation and regulation designed to protect your personal information and privacy.

Your information is secured with appropriate technology and procedures.  We may from time to time amend this Privacy Policy. An up-to-date policy can be located on our website www.kaput.co.uk

Lawful basis for processing personal information

We may rely on the following purposes as the lawful basis for processing any information you submit;

  • Consent – positive indication of your consent
  • Contract – to enable us to fulfil our legal obligation to you
  • Legal Obligation – determined by a regulator
  • Legitimate Interest – annual renewal purposes

In most cases, we aim to rely on your Consent, until such a time your Consent may be considered expired.

Consent

By submitting your information for the purpose of a quote you consent to us processing your personal information to enable us to provide you with a service.  Any information you submit must be accurate and up to date.

How we collect information

Personal information that Kaput or our suppliers collect directly from you or from third parties may include details such as your name, email address, postal address, telephone number, date of birth, bank/credit card details, and IP address.

Why we collect information

Information provided by you in our claims and contact forms, quotes and applications, or when you request material or further services;

If you contact us in writing or by telephone, we may keep a record of that communication;

Provided by you either online or offline when considering or purchasing our product;

From feedback forms and your visits to our website and the resources that you access including web analytics tags – your IP address (this is your computer’s individual identification number for internet connection) is automatically logged by our web server; and

From third parties and Data Contributors (see below).

We aim to ensure that information is kept up to date and accurate.

Please advise us of any changes in the information that you have provided to us as soon as possible.

What we may use the information for

Kaput may use information for marketing and promotional purposes. Anyone who unsubscribes from our Marketing emails is immediately removed from our prospect list and their details are permanently deleted from our records.  We may also use cookies or similar technologies to collect website usage information and for web analytics.

The personal information Kaput collects will be used for analytical purposes, managing and administering products and services that we supply, claims handling, making credit-related decisions about you and to assist us in improving our website, processes, products and services, as follows:

  • to assess your application or renewal for an insurance quote;
  • to assess your financial standing;
  • to confirm your identity;
  • to prevent fraud and money laundering;
  • to verify the information provided;
  • to administer and maintain your policies;
  • to assist you with claims and enquiries;
  • to maintain your insurance records with the MID and other Insurance Databases;
  • carry out market research, statistical analysis and customer profiling;

We are required to report details of some suspicious activities to the National Crime Agency (NCA);

and to facilitate our service quality and compliance monitoring.

We will also carry out checks with credit reference and fraud prevention agencies in order to verify your identity, assess your application for a quotation or credit and offer you our best terms.

Your rights in relation to your personal data the we process: 

As the information we process about you belongs to you, you have the following rights under the General Data Protection Regulation, the right to;

  • Subject Access Request,
  • have inaccuracies corrected,
  • have information erased,
  • prevent direct marketing,
  • prevent automated decision-making and profiling, and
  • data portability

Subject Access Request and Your Rights:

To request a Subject Access Request, or to call upon your rights in relation to how we are processing your personal data, please write to:

The Compliance Officer

Kaput Limited

Holton Business Park

Hadleigh Road

Holton St Mary

Colchester

CO7 6NN

In accordance with the current regulatory guidelines, all requests will be dealt with in a time period not exceeding 30 days.  Following receipt of your request, we may need to contact you, using the information you disclose within your request to confirm your identity. 

Data Retention:

We, will process your personal data for the duration of the contract to enable us to fulfil our contractual obligations.  Following the expiration of contract your personal details will be retained in accordance with the most stringent of regulations, most likely to be the Financial Conduct Authority. We will during this time ensure your data remains accurate, up to date and processed lawfully and fairly and stored securely in accordance with the General Data Protection Regulation and our Privacy Policy.

Whom may we share your data with

Kaput do not disclose your information to anyone except:

  • when we have your permission; or
  • when we are required or permitted to do so by law or by regulatory bodies; or
  • to other companies who provide a service to us or you, including when you take out additional products with us or make a claim; or
  • when it is necessary for the performance of an agreement we have with you; or
  • for credit reference or fraud prevention purposes
  • when we may transfer rights and obligations under this agreement

Your information will only be disclosed to a third party where the third party has agreed to keep your information strictly confidential and use it only for the specific purpose for which we provide it to them. We may transfer your information to other countries including those located outside the European Economic Area. If we do this, we will seek to ensure that anyone to whom we pass it provides an adequate level of protection.  We do not sell customer data to third parties; nor do we permit the selling of customer data by any companies or persons who provide a service to us.

Website Analytics

Please note that we can retain any data that you provide on this website, even if you do not complete your quote. Such contact details and data may be used to assist us in improving our website and understanding of prospective customer’s needs. Such data will not be sold or shared with other parties.

Cookies

Our Site may use "cookies" to enhance User experience. User's web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. Users may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly. Similar technologies are also often used within emails to understand whether the email has been read or if any links have been clicked.  If you continue without changing your settings, we’ll assume that you are happy to receive all cookies on the KAPUT website. However, you can change your cookie settings at any time.

Please note that during your visits to KAPUT's websites you may notice some cookies that are not related to KAPUT. These may include Twitter, Facebook, Live Chat and Google. Kaput Limited does not control the dissemination of these cookies and you should check the relevant third party's website for more information. Depending on your personal security settings, it is likely that your web browser will store a cookie on your device. For further information on cookies see www.whatarecookies.com

Renewals

To assist customers to remember to renew their insurance cover we may send you a reminder and renewal invitation about 1 month before your renewal date. The renewal invitation will explain what you need to do to renew your insurance with us.

Third party links

Our website may contain links to other websites. Our privacy policy only applies to our website.

Please be aware that if you access other sites using the links provided, the operators of these sites may collect information from you which will be used by them in accordance with their privacy policy, which may differ from ours.

IT and Security

Any personal data saved is held safely with security systems preventing unauthorised access and we always ensure it is treated confidentially.  We take security very seriously and we use one of the strongest available security systems to protect your communications with us. Our whole site is automatically protected using something called a Secure Socket Layer (SSL) between your computer and ours. SSL works in the following ways:

  • It prevents impersonation - you can tell that you are using a genuine SSL site by the padlock symbol at the bottom (or top depending on your browser) of the screen. Clicking on either the padlock in the URL bar or the company name will reveal our Registration Certificate that is issued by Comodo Secure. 
  • It encrypts data - as soon as your computer has recognised our servers they encrypt all information that is passed between them. Data encryption means that no one else can read or change your information as it travels over the Internet.
  • It prevents scrambling - SSL uses a Message Authentication Code (MAC) to prevent anyone tampering with our Internet site. Your computer will always check this code before it takes a message from us. This means that if anyone tried to interfere with a message, your computer would not recognise the code and would alert you.

Our site goes one step further and has 2048-bit digital signatures and 256-bit encryption Extended Validation-SSLtechnology with Comodo Secure to ensure it is safe and secure. This is the highest assurance SSL Certificate available today, with 99.9% browser recognition.

Now the largest Trust provider in the world, and the most trusted site seal available according to a recent survey of 25,818 people (16/11/15) with 85.09% of people voting for the Comodo Site Seal. This is visible on the bottom right of every page on the KAPUT website for your reassurance.

An EV-SSL certificate offers the highest available levels of trust and authentication, ensuring that your connection to the KAPUT website is private. The Green Address Bar prominently displays our company name and provides highly visual assurance to you that our site is secure – immediately giving you the confidence to complete your transaction.

Contact and Complaints

To contact us about your rights or concerns please contact:

The Compliance Officer

Kaput Limited

Holton Business Park

Hadleigh Road

Holton St Mary

Colchester

CO7 6NN

Or email hello@kaput.co.uk

If you are unhappy with the way in which your contact to us has been handled, you can make further complaints to either of the following:

Information Commissioner’s Office

Wycliffe House

Water Lane

Wilmslow, SK9 5AF

Or email casework@ico.gsi.gov.uk

The Financial Ombudsman Service

Exchange Tower

London

E14 9SR

Or telephone 0800 023 4567