Privacy Policy

NEWS FLASH !
WE NOW PROVIDE INSURANCE COVER FOR THE DEATH OF ANY ANIMAL OR ANIMALS IN YOUR ALPACA or LLAMA HERD CAUSED BY TB.

Lost City Insurance supports

British Camelids Association (BCA)
The British Camelids Association is a registered charity which was established in 1987 to promote the welfare of camelids and good husbandry practice in the UK amongst alpaca and llama breeders. We will make donations each year to the BCA from our profits.

Introduction to Privacy Policy We wish to protect the privacy and confidentiality of information provided by you to us. This Privacy Policy describes our current policies and practices with regard to Personal Data collected by us from you directly and/or through the website where such Personal Data is protected by the Data Protection Act 1998 (“DPA”). The term “Personal Data” refers to personally identifiable information about you, such as your name, job description, health related data, date of birth, e-mail address or mailing address. Please note that by submitting Personal Data manually or in electronic form to us and/or by using our website you give your consent that all Personal Data on each occasion that you submit may be processed by, and/or shared with our underwriters and insurers, in the manner and for the purposes described in this Privacy Policy.

Website Access and Availability The Website and the information and services provided on or through the Website, are directed at those who can access the Website. Any online services and information we provide to you at your request will be in respect of insurance policies which are subject to English law. You must not use the Website or its content in countries where you are restricted or prohibited from doing so by local laws, regulations, codes and/or customs.

The Website is provided on an "as is" and "as available" basis and, whilst we have taken care in the preparation of the Website, we do not warrant that you will always have access to the Website (in whole or in part) or that access to the Website will be uninterrupted or error-free at all times. In addition, we do not warrant that your use of the Website or any material downloaded from it will not cause damage to any property, including, but not limited to, loss of data or computer virus infection.

Notification of changes to this Privacy Policy We are continually improving our methods of communication and adding new functionality and features to this website and to our existing services. Due to these ongoing changes, changes in the law and the changing nature of technology, our data practices will change from time to time. Please check this Privacy Policy frequently.

Collection of Personal Data including e-mail addresses You may provide us with your Personal Data in order to receive information, advice, products or services from us. We may request personal information about you such as your name, postal address, email address, telephone numbers and we may ask for information which enables us to provide a personalised service to you. The information you give us is either manually or electronically stored in our databases.

We sometimes supplement the information that you provide with information that is received from third parties. For instance, if inaccurate post codes are received, we will use third party software to fix them.

To comply with money laundering regulations, we may need to request additional evidence of identity from you, and may use a credit reference agency for this purpose (who will record that an enquiry has been made).

We also reserve the right to monitor and/or record your communication with us by mail, voice, email or any other form of transmission for the purposes of quality control, security and other business needs. Any Personal Data contained in such recorded information will be processed in accordance with the terms of this Privacy Policy.

Use of Personal Data We process your Personal Data, and share your Personal Data with our underwriters and insurers our for the following purposes:

To provide the financial products you specified
To arrange the insurance cover you specified
To process your claim form
For the purposes of accounting
To contact you occasionally to inform you of products and services provided by us
We may contact you by letter, telephone or email for this purpose.

Your data will also be accessible to our contractors who provide IT services. Such data will be used:

To process your request for information or advice
To help diagnose any problems with our server and administer our website

Anonymous data collected through this website In addition to the information we collect as described above, we use technology to collect anonymous information about the use of our website. For example, we use technology to track which pages of our website our visitors view. We also use technology to determine which Web browsers our visitors use. This technology does not identify you personally; it simply enables us to compile statistics about our visitors and their use of our website.

We use this anonymous data to improve the content and functionality of our website and our e-mail updates, to better understand our customers and visitors, and to improve the services we offer.

We also use your IP address to help diagnose problems with our server and to administer our website. An IP address is a numeric code that identifies your computer on a network, or in this case, the Internet. Your IP address is also used to gather broad demographic information, such as determining how many of our visitors are from outside of the UK.

We may also perform IP lookups to determine which domain you are coming from (i.e: aol.com, yourcompany.com) to more accurately gauge our users' demographics.

Disclosure of your Personal Data We do not share with, nor sell nor distribute your Personal Data to unrelated third parties, except under these limited circumstances:

We may share various details about you with our insurance partners, underwriters, loss adjusters, advisers within the insurers, and other agents in order to provide you with the specific service you require or to look after products you have with us, or in connection with insurance arrangements, and in the processing of claims.
Personal Data may occasionally be transferred to third parties who act for us for further processing in accordance with the purposes for which the data was originally collected or for purposes to which you have consented or otherwise in accordance with this Privacy Policy. For example, sometimes a third party may have access to your Personal Data in order to support our information technology or to handle mailings on our behalf.

Unless you have given us your consent to the processing of your Personal Data in accordance with our Privacy Policy (which includes sharing or other disclosing), we will not share or disclose your Personal Data to any unrelated third parties for their own marketing purposes.

We may share or transfer the information in our databases to comply with a legal or regulatory requirement, for the administration of justice, interacting with anti-fraud databases, to protect your vital interests, the Unclaimed Assets Register (for example in connection with the possible recovery by you of unclaimed distribution payments) to protect the security or integrity of our databases or this website, to take precautions against legal liability, or in the event of our sale, merger, reorganisation, transfer of business, dissolution or similar event.

If we sell or buy any business or assets, in which case we may disclose your Personal Data to the prospective seller or buyer of such business or assets.

Where appropriate, before disclosing Personal Data to a third party, we contractually require the third party to take adequate precautions to protect that data and to comply with applicable law.

Data Integrity and Security We endeavour to maintain the reliability, accuracy, completeness and currency of Personal Data in our databases and to protect the privacy and security of our databases. The security measures in place on our website and computer systems, aim to protect the loss, misuse or alteration of the information you provide to us. We keep your Personal Data only for as long as reasonably necessary for the purposes for which it was collected or to comply with any applicable legal or regulatory requirements, or our data retention policy.

Data Access Upon receipt of your written request and enough information to permit us to identify your Personal Data, we will (subject to the exceptions to the requirement to disclose under the DPA) disclose to you the Personal Data we hold about you, for which we may make a small charge.

Requests to delete Personal Data are subject to any applicable legal and regulatory requirements or document retention obligations and any of our current contracts which are still in force.

If you wish to make a subject access request, relating to Personal Data held about you by the Ecclesiastical Group of companies, please write to:

The Data Protection Officer
ReOrient Legal Ltd
148 Leadenhall Street
London EC3V 4QT

Governing Law This Privacy Policy forms part of our Terms of Use and as such shall be governed by and construed in accordance with the laws of England. You agree to submit any dispute arising out of your use of this website to the exclusive jurisdiction of the courts of England.