You can contact us here with any questions you may have about privacy or data protection.
Please note that links from our website may take you to external websites not covered by this policy. We recommend that you check their privacy policies yourself before submitting any personal information. We will not be responsible for the content, function or information collection policies of these external websites.
What information do we collect about you and how do we collect it?
You are not generally required (by law or by any contract with us) to provide personal information to us. We will only require you to provide personal information to us where it is necessary for us to provide you with a service (such as where you request an insurance quote or purchase our products or services).
Information you provide to us
We may receive personal information about you whenever you contact us. For example, by doing the following:
- Getting a quote for one of our products or services
- Purchasing one of our products or services
- Using our website
- Telephoning, texting, writing by post or emailing us
This information may include the following:
- Normal identification information, such as your full name, date of birth, age, gender, marital status
- Contact information, such as your postal address, email address and telephone number
- Payment information, such as credit or debit card details, or bank details for direct debits
- Additional information relevant to insurance, such as details of your vehicles, home, belongings and travel habits
- More sensitive insurance related personal information about you regarding, for example, your health or any previous criminal convictions
Information we collect about you on our website
When you visit our website we may collect the following information:
- Which pages you view and which links you follow
- Your IP address and general location
- Details of the hardware and software that you are using to access the site
Our website is not intended for children and, aside from where an application is made for travel insurance which includes children travellers, we do not knowingly collect personal information relating to children.
How do we use your personal information?
We take data protection law seriously, so below we have set out exactly how and why we use your information, and what our legal basis is to be able to use your information in each way.
Providing our products and services
We may use personal information about you for the purposes listed below. This may be necessary in order for us to enter into and perform the contracts that we make with you when you purchase our products or services, or otherwise to allow us to continue to provide, manage and improve the products and services that we offer.
- Administer your quotes and policies
- Assess your applications for our products and services
- Assess the level of risk you represent so that we can offer you our best prices
- Verify your identity
- Accept payment from you
- Handle and pay out claims
- Deal with any complaints you may have
- Contact you about any changes that we make to your products or services
- Administer our website, including troubleshooting problems, analysing statistics and keeping the site secure
Sometimes, it is necessary for us to use your sensitive personal information (such as information concerning your health or criminal history) in order to provide some of our products and services, where that information affects the level of risk being insured.
We use automated decision-making to make decisions based upon your personal information. For example, when you request a quote for an insurance product from us, the information you provide to us will be entered into a system which will automatically calculate quotes by assessing the level of risk involved, based on the information you give us. This allows us to provide you with quotes quickly, without undertaking a lengthy manual investigation of your circumstances.
Verifying your identity
We may use your information where it is necessary for us to do so in order to meet our legal obligations to detect and prevent fraud, money-laundering and other crimes.
Protecting you and others from harm
We may use your information where it is necessary to protect your interests, or the interests of others. This may be required in the event of a criminal activity that has taken place, for example in the event of identity theft, piracy or fraud.
Who do we share your personal information with?
Sharing your information within Realty Insurances Limited
We share the information that you provide to us with our staff so that we can provide our products and services to you.
Sharing your information with third parties
We need to share your personal information with certain third parties in order to provide you with some of our services. For example, where you request insurance quotations from us or take out an insurance policy, we will need to share your personal information with insurance providers and underwriters, and service providers which enable us to calculate quotations and administer insurance policies. The personal information that we share with these third parties may include sensitive personal information (e.g. health information) where this is necessary for the requested quotations (e.g. for travel insurance).
We use two third party payment providers to process payments made to us. If you make a payment over the telephone we will securely process the payment through Worldpay. If you make a payment to us using our website your payment will be processed securely through Sage Pay.
There are also certain exceptional circumstances in which we may disclose your information to third parties. This would be where we believe that the disclosure is:
- Required by law, or in order to comply with judicial proceedings, court orders or legal or regulatory proceedings
- Necessary to protect the safety of our employees, our property or the public
- Necessary for the prevention or detection of crime, including exchanging information with other companies or organisations for the purposes of fraud protection and credit risk reduction.
How long do we keep your personal information?
If you are an existing customer, we will keep your information for as long as we provide a service to you. Once we stop providing a service to you we will then keep your personal information and any other personal information that you supply to us as part of the service for between three and six years.
If you have obtained a quote from us, but not purchased any products or services, we will keep your information for three years.
How do we protect your personal information?
We will take all steps reasonably necessary to ensure that your personal information is treated securely and in accordance with this policy.
All information you provide to us is stored on both secure servers and in a secure physical location. We follow the payment card industry’s data security standards (PCI-DSS) in order to safeguard your card information. Any payment transactions will be encrypted and then held on Worldpay’s and/or Sage Pay’s secure servers.
Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
What rights do you have in respect of your personal information?
You have the right to be informed
We have a legal obligation to provide you with concise, transparent, intelligible and easily accessible information about your personal information and our use of it. We have written this policy to do just that, but if you have any questions or require more specific information, you can contact us here.
You have the right to access your personal information
You have the right to ask us to confirm whether or not we hold any of your personal information. If we do, you have the right to have a copy of your information and to be informed of the following:
- Why we have been using your information
- What categories of information we were using
- Who we have shared the information with
- How long we envisage holding your information
In order to maintain the security of your information, we will have to verify your identity before we provide you with a copy of the information we hold.
You have the right to correct any inaccurate or incomplete personal information
Where you have requested a copy of the information we hold about you, you may notice that there are inaccuracies in the records, or that certain parts are incomplete. If this is the case you can let us know here so that we can correct our records.
You have the right to be forgotten
There may be times where it is no longer necessary for us to hold personal information about you. This could be if:
- The information is no longer needed for the original purpose that we collected it for
- You object to us using your information and we have no overriding reason to keep using it
- We have used your information unlawfully
- We are subject to a legal requirement to delete your information
In those situations you have the right to have your personal information deleted. If you believe one of these situations applies to you, please contact us here.
You have the right to have a copy of your personal information which you have provided to us transferred to you or a third party in a compatible format
Also known as Data Portability, you have the right to obtain a copy of your personal information for your own purposes, where you have provided it to us and we have a contract with you. This right allows you to move, copy or transfer your personal information more easily from one IT system to another, in a safe and secure way.
If you would like us to transfer a copy of your personal information to you or another organisation in a structured, commonly use and machine-readable format, please contact us here.
You have the right to restrict how we use your personal information
You have the right to ask us to stop using your personal information in any way other than simply keeping a copy of it.
This right is available where:
- You have informed us that the information we hold about you is inaccurate, and we have not yet been able to verify this
- You have objected to us using your information for our own legitimate interests and we are in the process of considering your objection
- We have used your information in an unlawful way, but you do not want us to delete your personal information
- We no longer need to use the information, but you need it for a legal claim
If you believe any of these situations apply, please contact us here.
You have rights related to automated-decision making
You have the right not to be subject to decisions based solely upon automated decision-making, which produce a legal effect concerning you or which similarly significantly affect you. This right does not apply where the decision is necessary for entering into or performing a contract with us (for example, where we use automated decision-making in order to provide you with insurance quotes), where you explicitly consent to the decision being made in such a way, and where the decision is otherwise authorised by UK or EU law.
Where your right to object to such decisions applies, you are entitled to express your point of view, to contest the decision and to ask us to have the decision reviewed by a human. Please note that, if you require us to manually re-investigate such a decision, this may take some time and we might need to charge you a fee for this service.
If you wish to make a complaint about our collection or use of your personal information, please contact us in the first instance so that we may seek to resolve your complaint.
If you are not satisfied with our response you have the right to lodge a complaint with the Information Commissioner’s Office (ICO), the statutory body which oversees data protection law in the UK. This is the link to the ICO website if you wish to lodge a complaint with the ICO.
A cookie is a piece of information that is held on the hard drive of your computer which records how you have used a website. Cookies allow website operators to accumulate useful information, such as whether the computer (and sometimes its user) has visited the site before. This is done on a repeat visit by checking to see, and finding, the cookie left there on the last visit.
Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.
Analytical/performance cookies. They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website more relevant to your interests.
The mission of the Realty website is to furnish visitors, suppliers and clients with the most current product and company information and present it in a manner that best benefits their needs. Realty’s website may be accessed by all Internet users on a 24/7 basis.
Interruptions and Omissions in Service
Whilst we try to ensure that the standard of this website remains high and to maintain the continuity of it, the internet is not an inherently stable medium, and errors, omissions, interruptions of service and delays may occur at any time. We do not accept any liability arising from any such errors, omissions, interruptions or delays or any ongoing obligation or responsibility to operate this website (or any particular part of it) or to provide the service offered on this website. We may vary the specification of this site from time to time without notice.
Realty Insurances Limited shall not be liable for any loss of profits or contracts or any direct, indirect or consequential loss, business interruption or loss of data or programs arising out of or in connection with the use of the information either contained within this site or from any of its Hyper link connections.
Your use of our Website
You may only use this website for lawful purposes when seeking information. You must not under any circumstances seek to undermine the security of the website or any information submitted to or available through it. In particular, but without limitation, you must not seek to access, alter or delete any information to which you do not have authorised access, seek to overload the system via spamming or flooding, take any action or use any device, routine or software to crash, delay, damage or otherwise interfere with the operation of this website or attempt to decipher, disassemble or modify any of the software, coding or information comprised in the website.
Information on our Website
Whilst we use reasonable care and make every effort to ensure that the information on this website is accurate and complete, some of the information is supplied to us by third parties and we are not able to check the accuracy or completeness of that information. We do not accept any liability arising from any inaccuracy or omission in any of the information on our website or any liability in respect of information on our website supplied by you, any other site user or any other person.
No part of this website may be copied or imitated in whole or in part. No logo, graphic, sound or image from this website may be copied or re-transmitted unless expressly permitted in writing by Realty Insurances Limited. (These prohibitions are without limitation to the legal rights of Realty Insurances Limited.)
Realty Insurances Limited reserves the right to make improvements and/or changes in the documents and/or other materials contained on the website site at any time without notice.
INFORMATION PROVIDED ON THE REALTY INSURANCES LIMITED SITE IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, AS SUCH EXCLUSIONS OF IMPLIED WARRANTIES SHALL APPLY PURSUANT TO APPLICABLE LAWS AND REGULATIONS.
As expressly provided above, nothing contained herein shall be construed as otherwise conferring any license or right under any of Realty Insurances Limited’s copyrights. Additionally, no license, patent, trademark or other intellectual property rights shall be construed as arising from or otherwise conferred by Realty Insurances Limited. Realty Insurances Limited retains all right, title and interest to any Realty Insurances Limited patent, trademark or other intellectual property right. In this regard, note that any process or technology and information contained in the Realty Insurances Limited website site may be the subject of intellectual property rights reserved by Realty Insurances Limited, and may not be used, appropriated or otherwise licensed by a visitor to the Realty Insurances Limited website site without the express prior written consent of Realty Insurances Limited.
Any information, questions, comments, or other correspondence or communication received by Realty from visitors to Realty Insurances Limited’s website site in response to or regarding any documents or materials contained on the website site shall be deemed to be non-confidential and treated by Realty accordingly. Realty shall have no obligation of any kind with respect to such information and shall be free to reproduce, use, disclose and distribute the information to others without limitation, including, but not limited to, use in developing service offerings or marketing strategies.
Links to Third Party Sites
Realty Insurances Limited cannot and has not reviewed all pages of the sites linked to this website and therefore cannot be liable for their content. Users link to other sites at their own risk and use such sites according to the terms and conditions of use of such sites. Realty Insurances Limited provides links to you only as a convenience, and the inclusion of any link does not imply endorsement by Realty Insurances Limited or the site.
The trademarks and logos (the Trademarks) used and displayed on this website are registered and unregistered trademarks of Realty Insurances Limited and others. They may not be used in any advertising or other publicity materials in relation to the distribution of any information or materials obtained from this website without the prior written consent of the Trademark owner. (These prohibitions are without limitation to the legal rights of Realty Insurances Limited.)
Choice of Law and Jurisdiction
The use of this website and any agreements entered into through this website are to be governed by and construed in accordance with English law. The courts of England are to have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with the use of this website or any agreement made through this website.