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Conveyancing Risk Management Ltd
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We reserve the right to make any changes to these Terms at any time. Please check this page regularly for any changes. We are committed to safeguarding the privacy of our customers. Please click here for our policy in relation to privacy and how we use any data you supply us. We make no representation that materials on our website are appropriate or available for use in locations outside the U.K. and accessing our website from territories where its contents are illegal or unlawful is prohibited. If you choose to access our website from locations outside the U.K., you do so on your own initiative and are responsible for compliance with local laws Messages sent over the internet cannot be guaranteed to be completely secure as they can be intercepted, lost or corrupted. We are therefore not responsible for the accuracy of the messages sent by email over the internet - whether from us to you or from you to us. Due to the nature of the internet and the fact that your access to our website involves features outside our control, we are not responsible for any technical problems you may experience with our website. If you do experience technical problems, please use the 'contact us' facility on this website. Unless we have clearly stated otherwise, all intellectual property rights are our property. These include (but are not limited to) copyright in the graphic images, buttons, layout, and text contained in our website. You may not copy or distribute our website, except for your own personal use, in whole or in part, without our prior written consent. You may not use such trademarks without our prior written consent. Other product and company names reproduced on our website may be the trademarks (registered or otherwise) of their respective owners. You may not create a hyperlink to our website without our prior written consent. In order to provide you with the best web-based service, we have included within our website several links to other websites. We cannot be responsible for those websites and their content which are beyond our control and we make no representation as to their quality, suitability, functionality or legality and you waive any claim you may have against us with respect to such websites. When accessing or using any service provided on our website, you may not post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind. This includes, without limitation, any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law. Whilst we have taken all reasonable care to ensure the information contained within these pages is accurate we do not guarantee the accuracy or completeness of any information contained on or provided in connection with our website. We are not responsible for any errors or omissions or for the results obtained from the use of such information or for any technical problems you may experience with our website. You are responsible for the security of any data which you transfer to or from our website. We shall not be responsible for any loss or damage caused, directly or indirectly, by your use of our website or the information contained on our website. We disclaim all conditions, warranties, or other terms whether expressed or implied by statute, custom or usage relating to the information contained in or omitted from the service offered via our website. We shall not be liable for any direct, indirect, incidental, special or consequential damages or for loss of profit or opportunity, whatsoever, whether in contract, tort or otherwise arising from (1) the use of our website or the information contained on our website or (2) the inability to use our website or (3) unauthorised access to or alteration of your transmissions or data or (4) third party services outside our reasonable control (including, but not limited to, telephone and browser services), whether such services are used by you to access our website or used by us to comply with your instructions. For the avoidance of doubt, this provision shall apply whether or not the relevant loss or damage arises by reason of our negligence. Nothing in these Terms should exclude our liability to you in the tort of deceit or for personal injury or death caused by our negligence. You shall be liable to us for any loss we suffer as a result of your use of our website or any breach of these Terms by you. If a competent authority finds any or part of these Terms invalid, unlawful or unenforceable to any extent, we shall delete the relevant term or part from the remaining Terms which shall continue to be valid and enforceable to the fullest extent permitted by English law. No act, omission or delay by us shall be a waiver of our rights or remedies under these Terms unless otherwise agreed in writing by us. We may assign our rights and obligations under these Terms and upon such assignment we may be relieved of any further obligation to you under them. A person who is not a party to these Terms shall have no right under the Contract (Rights of Third Parties) Act 1999 to enforce them but this shall not affect any right or remedy of a third party which exists or is available apart from under that Act. These Terms are governed by and construed in accordance with English law. For our exclusive benefit should a dispute arise connected with you using our website, it shall be resolved through the exclusive jurisdiction of the English courts. Conveyancing Risk Management Ltd is registered in England 04568951. Registered Office 60 Fenchurch Street, London EC3M 4AD. Conveyancing Risk Management Ltd are authorised and regulated by the Financial Conduct Authority. These details can be checked on the FCA's register by visiting their website register.fca.org.uk or by contacting them on 0845 606 1234. Privacy Policy of Conveyancing Risk Management Ltd Who we are and our approach to your privacy In this Privacy Policy, 'we', 'us' and 'our' refers to Conveyancing Risk Management Limited. Conveyancing Risk Management Limited is a specialist insurance intermediary, who arranges conveyancing and property title indemnity insurance. We will not be changing the way in which we use your personal information, but this Privacy Notice ensures that we continue to comply with the privacy law and regulations that are effective from 25 May 2018. The privacy and security of your personal information is very important to us so we want to assure you that your information will be properly managed and protected whilst in our hands. Please read this notice carefully as it explains how we and/or carefully selected third parties we work with, collect and use your personal information. Information we collect and our legal basis for collecting it We collect information about you when you apply for a policy on behalf of a client, information relating to a prospective or insured party under a policy, details of any party making a claim under a policy, and if you contact us to make a complaint. We collect this data to meet our contractual obligations in providing an insurance policy and/or administering that policy. We collect information about previous, current and prospective policyholders; previous, current and prospective parties insured or to whom any benefit is payable under policies; claimants; experts instructed in relation to claims; brokers; solicitors, and licenced conveyancers or legal executives who are authorised to issue legal indemnities for their clients or other third parties. The personal information that we collect will depend on your relationship with us. We will collect different information depending on whether you are a policyholder, insured party or beneficiary under a policy, claimant, expert, solicitor, licensed conveyancer, legal executive or broker who is authorised to issue legal indemnity insurance for their clients or other third party. If you provide personal information to us about other individuals you agree:
We collect general information such as your name and address, contact details and relationship to the policyholder (where you are not the policyholder). This general information may include your professional work address and details of your permissions and whether you are authorised to issue legal indemnity insurance to your clients. Information relevant to your insurance policy. This will depend on the nature of the policy but will usually include the name of the insured party and details of the property to be insured. We also collect information relevant to a claim. This may include information relating to anyone who may be involved in the matter giving rise to a claim, and any parties acting in connection with the claim. We will collect information relating to any previous policies or claims which may include information captured during our telephone calls. This list is not exhaustive and, in specific instances, we may need to collect additional data for the purposes set out in this policy. Where we get the information Directly from you or from someone else acting on your behalf. For example, if you are a policyholder, your solicitor, licenced conveyancer, legal executive or broker will provide details of your name and address to enable us to provide you with insurance that they deem you require. From other third parties who provide a service in relation to your insurance policy or claim such as insurers, surveyors, claim handlers, experts, witnesses and other service providers From expert's reports and counsel's opinions, from claims services providers, via publicly available sources such as internet search engines and social media sites, via insurance industry fraud prevention and detection databases and sanctions screening tools From agencies such as the Financial Conduct Authority and from professional regulators and other professional bodies such as the Solicitors Regulation Authority and The Law Society. What are cookies? Our websites and web-based applications use cookies and similar technologies to improve your user experience and to ensure the websites are functioning effectively and properly. Cookies are small text files that are placed on your computer or mobile device by websites that you visit. They are widely used to make websites work, or work more efficiently, recognise your visit, collect information about your use of that website and to provide you with a more personalised web experience. These cookies remain stored on your device until such a time that the cookie expires or is manually deleted. This allows for the information stored within the cookie to be sent back as part of any subsequent interactions you have with the issuing website. A cookie does not give us access to your computer or any information about you, other than holding your unique identity which we need to be able to authenticate your use of the website. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies, if you prefer. Please note that opting out of different types of cookies may impact the functionality of the website. How do we use cookies? The cookies enable us to see behaviour on the website to help us improve your experience. We do not share this data with third parties. We use cookies for the following purposes:
Types of cookies Necessary Cookies: These cookies are essential for the basic functioning of a website, ensuring seamless consumer experience and data security. Without these cookies, services you have asked for cannot be provided. For example, these cookies are essential for verifying consumer identities and providing secure account access. Performance or Analytic Cookies: These cookies collect information about how you use our website, they do not collect identifiable user information – they obtain data anonymously. Analytics cookies monitor site performance and follow user actions, can count page visits, how much time a user has spent on a website, as well as bounce rates and loading speeds to improve performance. This statistical information allows us to improve the design, user-friendliness, and functionality of our website. Persistent: Information these cookies collect remain stored for a pre-determined length of time, even after you close your browser. Persistent cookies can be used to retain your preferences for a particular website, allowing those preferences to be used in future browsing sessions. These cookies remain on your hard drive until you erase them, or your browser does, depending on the cookie’s expiration date. Session: Session cookies are stored in your computer or device's memory during your browsing session and are automatically deleted from your computer when you leave a website. These cookies usually store a session ID, allowing you to move from page to page without having to log-in repeatedly How we use your personal information We may process your information for a number of different purposes. When we process your information, we will always have valid legal grounds for doing so. When the information that we process is classed as sensitive personal information, we must have additional legal grounds for such processing such as the processing being necessary for the establishment, exercise or defence of legal claims. We will only process your information for the following purpose; - To verify your identity To manage any registered agency account(s) that you may hold with us and for keeping our business records up to date To offer, provide and administer a legal indemnity insurance policy. To use your or your clients' information to administer legal indemnity insurance claims. Where we have a legal or regulatory obligation to retain, disclose or process personal information that we have collected (for example in relation to an investigation by a public authority or in a legal dispute) For crime and fraud prevention, detection and related purposes To be able to offer legal indemnity insurance services such as up to date paper packs and for improving our products/product range and services. For the legitimate interest of contacting you electronically about promotional offers and products and services which we think may interest you. With whom we share your information We may disclose your information to the third parties listed below for the purposes described in this Privacy Policy. The insurer that underwrites your policy. The insurer will be shown on your policy documentation and we recommend that you review their Privacy Policy which will detail how they will use your data. For the full Privacy Policy please visit your Insurers website: www.scor.com/en/cookies-privacy or contact The Data Protection Officer, Claire Juillard, 5 Avenue Kleber, 75795 Paris Cedex 16, France or email: privacy@scor.com. www.ageas.co.uk/privacy-policy or contact their Data Protection Officer at: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA or by emailing thedpo@ageas.co.uk. (Note: through statutory Part VII transfer Financial Services & Markets Act 2000 completed on 1 November 2013 all business of Groupama Insurance Company was transferred to Ageas Insurance Limited), www.zurich.ie/privacy-policy or contact their Data Protection Officer at: Zurich Insurance Group, Tri-centre 1, Newbridge Square, Swindon, SN1 1HN or by emailing the Data Protection Officer at GBZ.General.Data.Protection@uk.zurich.com. Other third parties who assist us in the administration of insurance policies such as surveyors, claims handlers, accountants, auditors, lawyers and other experts Fraud detection agencies and other third parties who operate and maintain fraud detection registers Investigative firms we ask to look into claims on our behalf in relation to suspected fraud Statutory and industry bodies and regulation authorities The police or law enforcement agencies for the prevention or detection of crime Third-party service providers such as IT suppliers, actuaries, auditors, lawyers, marketing agencies, document management providers and tax advisers Your information is not transferred, stored or processed outside the European Economic Area. If we do transfer your data in such a way it will be to a country which is considered to have equivalent data protection laws or we have taken all reasonable steps to ensure the firm has suitable standards in place to protect your information. How long we keep your information Many of our policies are issued in perpetuity. Therefore, in order to service these policies, it will be necessary for us to retain your personal information for the same period. Where we issue a policy with an end date your personal information will be kept for the term of the policy and for a set period thereafter as is required in order to meet our legal and/or statutory obligations. We will keep your information only for as long as is reasonably necessary for the purposes set out in this privacy notice and to fulfil our legal and regulatory obligations. Your rights You have a number of rights concerning the personal information we use, these include the right to:
If you wish to exercise any of the above rights please contact our Compliance Officer using the details provided in the 'contact us' section found below. Please note that in some cases we may not be able to honour a request concerning your personal information, as this may result in us not being able to fulfil our legal and regulatory obligations. This may include holding the information for a minimum statutory period. If this is the case then we will let you know our reasons. We take the protection of your information very seriously and have robust privacy and security controls. Our privacy policy will be updated in line with legislation, regulatory guidance or technological advancements. Contact us If you have any questions about how we collect, store or use your personal information, you may contact us at: Conveyancing Risk Management Limited, 60 Fenchurch Street, London EC3M 4AD Phone: +44 (0) 20 7256 3847 Fax: +44 (0) 20 7256 3848. Email: enquiries@crminsurance.co.uk Customer Service & Complaints Procedure If you have an enquiry about our services or about our website content, please contact us at enquiries@crminsurance.co.uk or 60 Fenchurch Street, London EC3M 4AD or Tel: +44 (0) 20 7256 3847. Our aim is to provide our customers with the highest standards of service. In the unfortunate event that we fail to meet your expectations, we operate a complaints procedure. Many concerns can often be resolved straight away, therefore in the first instance please get in touch with your usual contact as they will be able to provide you with immediate assistance to help resolve any issues you may have. We will try to resolve any complaint within 3 business days of receipt and will issue a written response to you within 5 business days of receipt following resolution. If your usual contact is unable to resolve matters to your satisfaction please contact:
The Compliance Officer If the matter is escalated or raised with the Compliance Officer, you can expect to receive an acknowledgment within 5 business days advising you who is dealing with the complaint and indicating when you may expect an answer. We will provide a response or an update as to the progress of our investigations within 14 calendar days of receipt of your complaint. If further investigations or enquiries are necessary, and we are unable to provide you with a resolution and a formal written response within 4 weeks from receipt of the original complaint or if you remain dissatisfied with our response to your complaint, a) if your policy has been underwritten by Certain Underwriters at Lloyd's you may if you wish, refer your complaint to Lloyd's. Lloyd's will investigate the matter and provide a final response. Lloyd's contact details are as follows:
Complaints
Email: complaints@lloyds.com b) if your policy has been underwritten by another insurer, we will continue to investigate your concerns in line with our complaints procedure and provide a final response within 8 weeks. At each stage of the process we will:
And
Should you remain dissatisfied with our final response, or with Lloyd's final response, you may, if eligible, refer your complaint to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent and impartial service in the UK for settling disputes between consumers and businesses providing financial services.
Email: complaint.info@financialombudsman.org.uk More information is available on their website: www.financial-ombudsman.org.uk |