Data Protection

This Privacy Policy sets out the approach taken by Access Underwriting Ltd ("We", "Us", "Our") to the personal data of visitors to Our web sites ("You", "Your"). By using and visiting Our web site You agree to this Privacy Policy. Privacy and confidentiality are at the heart of Our business. We respect Your privacy and undertake to treat personal data in confidence and sensitively.

Introduction

We respect the privacy and confidentiality of personal information of visitors to Our web site and treat personal data in the strictest confidence. We will only process personal data as set out in this Privacy Policy.

We comply with Our obligations under the Data Protection Acts 1998 (the "Act"). As required by the Act, We have notified the Data Protection Commissioner of the purposes for which We process personal data. We are committed to adhering to the Data Protection Principles set out in the Act.

What Personal Data Do We Collect And Why?

We receive and store the personal data (including your name and email address) You enter on Our web site or provide Us in any other way where this is necessary to communicate with You. We will use this personal data to communicate with You in accordance with this Privacy Policy. Subject to the terms of this Privacy Policy, We will not use or disclose Your personal data given to Us to communicate with You for any other purpose.

When We collect personal data about You through Your use of Our web site, We may record this by assigning a unique digital identity. This is done by placing a unique identifier in a file on Your computer - this is called a "cookie". Cookies are small pieces of information stored by Your browser on Your computer's hard drive. Cookies cannot be used by themselves by a third party to identify You. We may use personal data obtained to communicate with You to link the personal data gathered through the cookie to You. We will not disclose any personal data to any other person in any way which enables them to identify You through the cookie.

You may prevent us recording this personal data and opt-out by setting Your browser so that it will not accept cookies. This may prevent Us from fully communicating with You and may cause the non function of specific calculation programmes. The cookie is used for tracking content preferences and traffic patterns in order to provide the most value to You. Usage information may also be used to target advertising to visitors to Our Web Site. For reasons of improving personalisation of communications to You, We may receive personal data about You from other sources and add it to Your personal data held by Us.

How We Use Your Information?

Where We collect personal data from You for the purposes set out above, We will use this to keep in touch with You and communicate with You. Where We collect any other personal data through cookies, We will also use this personal data to personalize communications to You through Our web site.

Where You have given Us your email address We may occasionally send e-mail communications to You to provide information that We think You will find useful and interesting, including information about Our new products and services.

If You never want to receive any communications from Us, You have the opportunity to prevent Us from processing Your personal data for such direct marketing purposes. If You wish not to receive any such communications from Us, please send an email message to dataprotection@accessunderwriting.co.uk.

Subject to the items below, at no time will personal data be disclosed to any third party.

Disclosure of Personal Data to Third Parties

We do not sell, trade or rent Your personal data to others. Especially, We do not sell, trade or rent Your e-mail addresses to third parties for unsolicited e-mail communications.

We will never willfully disclose any of Your individually identifiable personal data to any third party in breach of this Privacy Policy, unless such disclosure is necessary to (1) comply with any legal obligation We have; (2) protect Our legitimate interests or (3) provide You with quotations You have requested from Us, where non-disclosure would make it impossible to comply with your request (None of these insurer parties have the right to communicate directly with You).

Links to Other Web Sites

Our Web Site contains links to other web sites. We are not responsible for the privacy practices or the content of such web sites.

Your Consent and Feedback

By using Our web site, You consent to the processing and Use of Your Personal Data in accordance with this Privacy Policy.

Our goal is to protect Your privacy. You have certain rights under the Data Protection Act 1988 in respect of obtaining details from Us of personal data held by Us relating to You. If You wish to ascertain what Personal Data We hold about You, please send Your remittance of £10.00 to Our contact address shown with the appropriate written request.

Update and Changes to Our Privacy Statement

We reserve the right, at any time and without notice, to add to, change, update or modify Our Privacy Policy. We will post such changes, updates or modifications on Our web site so that You are always aware of what personal data We collect about You and how We use such personal data. Any such change, update or modification will be effective immediately upon posting on the web site.

Disclaimer

Conditions of access to the web site of Access Underwriting Ltd . Please read these terms and conditions carefully. By accessing any page on this web site You agree to be bound by the terms and conditions below. If You do not agree to the terms and conditions, please do not access any page of this web site.

Content of Site

Whilst considerable care has been taken to ensure the information contained within this web site is accurate and up-to-date, no warranty is given as to the accuracy or completeness of any information and no liability is accepted for any errors or omissions in such information. All products referred to on this web site are subject to change without notice.

Copyright

All material on this website is copyright of Access Underwriting Ltd. Information accessed on this website is protected under copyright law. You may not copy, republish or redistribute the information contained on the web site for commercial purposes or gain other than the expressed agreement of Access Underwriting Ltd unless You acknowledge it on the internet with a direct link to the page on Our web site from where the information was taken.

Trademarks

This web site contains names and logos which are trademarks of Access Underwriting Ltd. Any use of any of these names and logos would constitute an infringement of those trademarks and is thus forbidden. The words Access Underwriting are registered at the Patent Office under No. 2325333 as of the 4th March 2003.

Product Availability

The information contained on this web site does not constitute a distribution, an offer to sell or the solicitation of an offer to buy. Insurance products detailed on this website are only available for risks in the United Kingdom.

If You are accessing this web site outside the United Kingdom, the United Kingdom or Your local legislation may not permit Us to offer products to You in Your own country. Please check with Your professional adviser as to whether such products are available in the country in which You are resident.