Privacy Policy

Effective Date: [Insert Date]

1. Introduction

This Privacy Policy explains how we, Serpply Ltd trading as https://contractorsallriskinsurance.co.uk/ (“we,” “us,” or “our”), collect, use, and protect your personal information when you visit our website or use our services.

We are committed to protecting your privacy and handling your personal data in accordance with applicable data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Contact Information

Data Controller: Serpply Ltd
Flat 10 Portfleet Place
De Beauvoir Road
London, England, N1 5SZ
Email: [Your Email]
Phone: [Your Phone Number]

3. Information We Collect

3.1 Information You Provide Directly

Contact Information: Name, email address, phone number, postal address, company name
Business Details: Type of contractor business, annual turnover, number of employees, experience in trade
Insurance Inquiry Details: Current coverage, claims history, specific insurance requirements
Project Information: Types of contractor work undertaken, project locations, contract values
Communication Records: Records of your communications with us including emails, phone calls, and website inquiries

3.2 Information Collected Automatically

Website Usage Data: IP address, browser type, pages visited, time spent on pages, referring websites
Cookies and Similar Technologies: See our Cookie Policy section below
Device Information: Device type, operating system, unique device identifiers

3.3 Information from Third Parties

Insurance Partners: Information received from our authorized insurance partners when processing your inquiry
Public Sources: Publicly available business information relevant to insurance requirements
Credit Reference Agencies: With your consent, for insurance eligibility assessment

4. How We Use Your Information

We use your personal information for the following purposes:

4.1 Primary Purposes

Service Provision: To connect you with suitable insurance providers for contractor business insurance
Quote Facilitation: To obtain and provide insurance quotes tailored to your business needs
Communication: To respond to your inquiries and provide information about insurance services
Risk Assessment: To help insurance providers assess your business for coverage eligibility

4.2 Secondary Purposes

Website Improvement: To analyze website usage and improve our services
Market Research: To understand the contractor insurance market and improve our offerings
Compliance: To meet legal and regulatory obligations
Record Keeping: To maintain records of customer interactions

4.3 Legal Basis for Processing

Legitimate Interests: For service provision, business operations, and market development
Consent: Where you have provided explicit consent
Contract: To fulfill our obligations in providing introduction services
Legal Obligation: To comply with regulatory and legal requirements

5. Information Sharing

5.1 Insurance Partners

We share your information with our panel of insurance providers and brokers to:

Obtain competitive insurance quotes for your business
Process insurance applications and policies
Provide ongoing insurance services
Conduct necessary risk assessments

Our insurance partners include specialist commercial insurers who understand the contractor industry.

5.2 Other Third Parties

We may share information with:

Legal and Regulatory Authorities: When required by law or regulation
Professional Advisors: Legal, financial, and other professional advisors
Service Providers: Third-party service providers who assist in website operation (under strict confidentiality agreements)
Credit Reference Agencies: For insurance eligibility checks (with your consent)

5.3 We Do Not Sell Personal Data

We do not sell, rent, or lease your personal information to third parties for marketing purposes unrelated to insurance services.

6. Data Retention

We retain your personal information for as long as necessary to:

Fulfill the purposes outlined in this policy
Comply with legal and regulatory obligations
Resolve disputes and enforce agreements
Maintain insurance industry records as required

Specific retention periods:

Quote Inquiries: 3 years from last contact
Active Insurance Policies: Duration of policy plus 6 years
Website Analytics: 26 months
Email Communications: 6 years
Declined Applications: 12 months

7. Your Rights

Under UK data protection law, you have the following rights:

7.1 Access Rights

Right to Access: Request copies of your personal data
Right to Rectification: Request correction of inaccurate information
Right to Erasure: Request deletion of your personal data (subject to legal obligations)

7.2 Control Rights

Right to Restrict Processing: Request limitation of how we use your data
Right to Data Portability: Request transfer of your data in a structured format
Right to Object: Object to processing based on legitimate interests

7.3 Communication Rights

Right to Withdraw Consent: Withdraw consent for processing where consent is the legal basis
Right to Complain: Lodge a complaint with the Information Commissioner’s Office (ICO)

To exercise these rights, contact us using the details in Section 2.

8. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

Encryption: Data transmitted to our website is encrypted using SSL technology
Access Controls: Limited access to personal data on a need-to-know basis
Secure Storage: Data stored on secure servers with regular backup procedures
Regular Reviews: Periodic security assessments and updates
Staff Training: Regular data protection training for all personnel
Partner Standards: We require our insurance partners to maintain appropriate security standards

9. International Transfers

Your personal data is primarily processed within the UK. If we transfer data outside the UK, we ensure appropriate safeguards are in place, including:

Adequacy decisions by the UK government
Standard contractual clauses approved by UK authorities
Other appropriate safeguards as required by law

Some of our insurance partners may have operations outside the UK, and we ensure they provide adequate protection for your data.

10. Cookie Policy

10.1 What Are Cookies

Cookies are small text files stored on your device when you visit our website.

10.2 Types of Cookies We Use

Necessary Cookies: Essential for website functionality and quote form operation
Analytics Cookies: Help us understand website usage and improve user experience
Preference Cookies: Remember your choices and settings
Marketing Cookies: Used to provide relevant content and track campaign effectiveness

10.3 Cookie Consent

We obtain your consent before placing non-essential cookies. You can manage cookie preferences through your browser settings or our cookie preference center.

10.4 Third-Party Cookies

Our website may include cookies from:

Google Analytics (for website analytics)
Marketing platforms (for campaign tracking)
Social media platforms (for content sharing)

11. Industry-Specific Considerations

11.1 Business Context

The contractor industry has specific insurance requirements due to:

Health and safety regulations
Public liability considerations
Professional indemnity needs
Equipment and tool coverage

We may collect additional information relevant to these industry-specific risks.

11.2 Regulatory Environment

Contractor businesses operate under various regulatory frameworks including:

Health and Safety Executive (HSE) requirements
Industry regulations
Local authority licensing requirements

We may need to verify compliance for insurance eligibility.

12. Children’s Privacy

Our services are directed at business customers and are not intended for individuals under 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.

13. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will:

Post the updated policy on our website
Notify you of significant changes via email or website notice
Update the “Effective Date” at the top of this policy

14. Complaints

If you have concerns about how we handle your personal data, you can:

Contact Us Directly: Use the contact information in Section 2
Contact the ICO: Information Commissioner’s Office
- Website: ico.org.uk
- Phone: 0303 123 1113
- Address: Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF

15. Insurance Industry Context

15.1 Insurance Market Practices

The insurance industry has established practices for:

Risk assessment and underwriting
Claims handling and investigation
Fraud prevention and detection
Regulatory reporting requirements

Your data may be used in accordance with these industry practices.

15.2 Data Sharing Within the Insurance Market

Insurance providers may share information with:

Other insurers (for risk assessment)
Claims databases
Fraud prevention services
Regulatory bodies

This sharing is governed by the insurance industry’s codes of practice and regulations.

16. Marketing Communications

16.1 Email Marketing

We may send you emails about:

Insurance renewals and reviews
Industry news and updates
New insurance products relevant to contractor businesses
Legislative changes affecting your business

16.2 Opt-Out Options

You can opt out of marketing communications at any time by:

Clicking unsubscribe links in emails
Contacting us directly
Updating your preferences on our website

Essential service communications (such as policy updates) may continue even if you opt out of marketing.

17. Contact Us

For any questions about this Privacy Policy or our data practices, please contact us:

Email: [Your Email]
Phone: [Your Phone Number]
Address: Serpply Ltd, Flat 10 Portfleet Place, De Beauvoir Road, London, England, N1 5SZ

Business Hours: [Your Business Hours]

This Privacy Policy was last updated on [Date]. We recommend reviewing this policy periodically to stay informed about how we protect your information.