Summary of Online Travel Insurance Services ( OTIS) Privacy Policy

This privacy statement details how OTIS, its Appointed Representatives, Introducer Appointed Representatives, Affiliates, its offices, websites, and live chat services collect, use, secure, transfer and share your information.


Who do we collect data from?


As a company we collect and process data in relation to the those interested in purchasing travel related insurance products


What data do we collect and process?


The type and amount of data that is collected includes;

Fulll name incuding Title, address, email address, contact numbers, ages and pre existing medical conditions.


How do we collect this data?


Online when the client is using the websites, via the telephone in conversations with customers, online via livechat or via email correspondence with clients.


Why do we collect this data?


The reasons we collect information is to ensure an accurate quote, to collect payments, for policy generation, to send renewal reminders, prevent fraud and financial crime, ensure contractual obligations are met, to meet compliance with regulatory obligations, for system auditing, system optimisation, general client communications, communicate new product offerings within the group portfolio and for due dligence purposes.


The lawful basis of processing is based on the instances below


Consent - We will process your data to tell you about our services and to the improve the service we give to you.

Contract - We will process your data to perform the necessary actions to deliver our commitment under the contract we have with you.

Legal Obligation - We will process your data to comply with our regulatory obligations

Legitimate Interest - We may process your data for market research, analysis of system performance and statistical analysis

 


Data Subject Rights


The following outlines the rights that you hold in respect of the processing of your data by OTIS.


Some of the rights may not apply or have limitations based on the legal basis of processing that is taking place.


Right to be informed

All Data Subjects will be informed that OTIS is processing their data and what legal basis that data is being processed under.

Right of Access & Correction

All Users have the right to access all of the data about them which is being processed by OTIS. All data processed by OTIS is held within the users account on the CRM system. As a result, all Users can contact OTIS to correct any information held about them that is incorrect.

All Data Subjects have the right to be forgotten in relation to any data collected and processed as a result of the Consent basis of processing. If you would like to exercise this right, please contact us so that we can ensure your requirements are met.

Right to restrict processing

All Data Subjects have the right to restrict the processing of data held by OTIS to limit the activities it can carry out in relation to the Consent Basis of processing.

If you would like to exercise this right, please contact us so that we can ensure your requirements are met.

Right to Object (Right to withhold Consent)

All Data Subjects have the "Right to Object" or withhold consent to the processing of their data under the Consent basis of processing as detailed in the “Lawful basis of processing” table above.

If you would like to exercise this right, please contact us so that we can ensure your requirements are met.

Data sharing

OTIS will only share user data with its partners in order to fulfil its obligations under the contract it has with them and to satisfy the Legal Obligation requirement.

Nothing in this document will prevent OTIS from making any disclosure of data as required by law or by any competent authority.

OTIS does not share any data for any other reason other than what is stated above.

In respect of data that is shared as above, OTIS contractually requires all service providers and/or recipients, to safeguard the privacy and security of personal information they process on our behalf and authorise them to use or disclose the information only as necessary to perform services on our behalf or comply with legal requirements.

OTIS reserves the right to transfer your information in the event of a sale or transfer (wholly or partially) of our business or assets, with reasonable efforts on the acquirer to protect/use the information consistent with this statement.

How long do we keep data?

In respect of users data:

We only keep information for the amount of time necessary to fulfil the Contractual and Regulatory obligations.

We will keep information for an extended period of time in relation to our Legal Obligation, but we will only keep the necessary information for this purpose.

International Transfers

OTIS does not carry out transfers of data outside the EEA.

How do we protect Personal Data?

The security of personal data is extremely important to OTIS, as a company we are committed to protecting the information we collect store and process. We maintain administrative, technical and physical safeguards designed to protect the data you provide, or we collect, against accidental, unlawful or unauthorised destruction, loss, alteration, access, disclosure or use.

We use TLS encryption in transit.

OTIS stores data only for as long as it is necessary to fulfil the purpose for which the data is collected, unless otherwise required or authorised by applicable law.

OTIS will take appropriate measures to destroy or permanently de-identify any data it is instructed to remove from the system as required by the User or legal authority.

Updates to this statement

From time to time this statement may be updated in light of regulatory changes or changes in the manner or way in which OTIS operates in relation to its data. With this in mind we suggest you review this statement at regular intervals. If any changes are significant we will endeavour to notify you and ensure your ongoing consent and/or acceptance.

Feedback or Questions relating to this statement

For any enquiries relating to this statement OTIS can be contacted in the following ways:

Telephone: 0161 7350180

Email: data@online-travelinsurance.com

 

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Terms & Conditions:

14 day Money Back Guarantee
Your policy has a 14 day cooling off period from the date of purchase. During this time you can cancel the policy and receive a full refund by simply returning your policy certificate. You may take advantage of this guarantee if no claim is being made or is pending and as long as travel has not been started. Refunds will be returned within 7 working days of the cancellation.

How OTIS handle your Payment
In selling this European breakdown insurance, OTIS will take your payment via a secure payment provider. We will hold your policy premium on behalf of insurers. Once we have received your premium you are eligible for cover.

How to claim
Please refer to your policy summary or your policy document if you need to make a claim. You should contact the specified claims handlers as soon as possible.

Demands and Needs Statement
This insurance will suit the Demands and Needs of an individual wishing to insure themselves against unforeseen costs following a breakdown of a vehicle. Subject to terms, conditions and maximum specified claim limit. Please ensure that you read the policy wording to ensure that the policy will supply you with a sufficient level of cover.

Documentation you will receive from us
Once you have successfully completed your purchase you will be sent an email confirming the details of your purchase together with your policy certificate. If you selected to receive your documentation by post, this will be sent to you within 1-2 working days.

Your Right To Cancel
We hope you are happy with the cover this policy provides. However, if upon reflection this, insurance does not meet your requirements, please return it to us within fourteen days of issue and we will refund your policy premium. You are not eligible for a refund if your policy has already begun or if you intend to make a claim under the policy. For short term trips of less than 30 days in duration an adminstration fee of up to £10 will be charged for cancellations made within the 14 day cooling off period.

Confidentiality
All personal information about you will be treated as private and confidential except where the disclosure is made at your request, with your consent, in relation to arranging your insurance or where we are required to by law.

Some or all of the information you supply to us in connection with your insurance proposal will be held on computer and may be passed to insurance and/or other companies for underwriting and claims purposes.

Under the Data Protection Act 1998 you have a right of access to see personal information about you that is held in our records, whether electronically or manually.

Your Duty to Give Information to Insurers

Your insurance is based upon the information provided to the insurance company and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurer’s decision to accept the risk or the terms offered have been disclosed. The duty to disclose information continues during the life of the policy, and at renewal you must make sure you inform your insurer of any changes affecting your insurance. Your policy must be purchased prior to your trip commencing, and must originate from within the United Kingdom.

You are responsible for all answers or statements on proposal forms, claim forms or other material documents and you should ensure these are full and accurate. Failure to disclose material information at the start of the policy or advise the insurer of changes to the risk during the period of insurance may invalidate your insurance cover and could mean that part, or all, of a claim may not be paid.

IMPORTANT - This policy will have been sold to you on a non-advised basis and it is therefore for you to read this information (paying particular attention to the terms and conditions and exclusions) and ensure that it meets all of your requirements. you may already possess alternative insurance(s) for some or all of the features and benefits provided by this product; it is your responsibility to investigate this. If upon reading this policy you find it does not meet all of your requirements, please refer to the relevant cooling off/policy cancellation section.



PLEASE ENSURE THAT YOU HAVE READ YOUR POLICY WORDINGS CAREFULLY. FAILURE TO COMPLY WITH THE TERMS AND CONDITIONS OF THE POLICY MAY RESULT IN COVER BEING RESTRICTED.

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