Privacy Policy

 
 

Wrisk Privacy Promise - (The short version)

YOUR DATA. YOU IN CONTROL.

You’re in control of what you share.  Everyone says they care about your data but they don’t always act like it. So here’s our promise:

We will not pass your data onto people who want to pay us for it (not even if they promise no one will ever find out).  We will, in fact, remember something really crucial - the information that identifies you is sensitive and is your personal data. You own it and we can only use it or share it with your permission. 

And if you ever think that us knowing something is no longer useful, then you can ask us to delete it or export it.  (There are some situations where we might have a legitimate reason to retain this data (e.g. to keep a record of when you were on cover incase a claim emerges at a future date...) but rest assured, we will only keep it for as long as is necessary and will make sure everything is kept secure.)

To ensure the best possible customer experience for you our customers and ensure Wrisk products remain competitively priced, some data will be shared with carefully selected 3rd parties that we use for claims handling, policy processing and statistical analysis.  Wrisk is in the trust business. Anyone we interact with (including our partners) has to subscribe to the same high values around data privacy and control that we do.

Real control builds trust.


Wrisk Privacy Policy - (The long version)

We respect the privacy of every person who registers with our Wrisk app or visits Wrisk’s website and/or uses the services made available by us from the Wrisk app and Wrisk website (the “ Wrisk Service ”) and we are committed to ensuring a safe online experience.

1 Purpose of this Notice

This privacy notice explains our approach to any personal information that you might supply to us (or that might be collected from you) in connection with your use of the Wrisk Service and sets out your rights in respect of Wrisk’s processing of your personal information.

This privacy notice will inform you how you can verify which of your personal information is collected by us through the Wrisk Service and how you can request that we delete, update or transfer it.

This privacy notice is intended to assist you in making informed decisions when using the Wrisk Service. Please take a moment to read and understand it. Please note that it should be read in conjunction with our Terms of Use.

Please also note that this privacy notice only applies to the use of personal information collected by us from your use of the Wrisk Service or during your communications with us. It does not apply to personal information collected during your communications with third parties.

2 Who are we and what do we do?

The Wrisk Service is operated by Wrisk Limited (“ Wrisk ”) whose principal activities

include providing insurance related services to consumers.

Wrisk is an English company with registered company number: 09721622 and whose principal address is 25 Moorgate, London, EC2R 6AY.

Wrisk’s principal business activities include providing personalised risk rating, insurance pricing and allows customers to purchase its own insurance products / services (or selected services from third parties).

3 How to contact us?

If you have any questions about this privacy notice or want to exercise your rights, please contact us by:

(a) sending an e-mail to hello@wrisk.co ; or

(b) writing to us at Wrisk Limited, 25 Moorgate, London, EC2R 6AY, marking your letter for the attention of Customer Support.

4 What personal information do we collect and how do we collect it?

Our primary goal in collecting personal information from you is to give you a tailored experience to pricing while allowing us to provide products and services and features that most likely meet your needs. In order to do so personal information may be collected from you in the following ways:

(a) Information you voluntarily provide to us.

We collect and maintain personal information that you voluntarily submit to us during your use of the Wrisk Service (e.g. when using the app or during the course of any customer support interactions and/or surveys, or when participating in discussions and/or forums).

In particular, before you bind an insurance policy with us we require the following personal information from you:

(a) name;

(b) verified e-mail address;

Through your use of the Wrisk Service (for example when building a profile) we may collect the following additional personal information from you:

(a) information about your living situation including home address, if you are a homeowner or tenant, number of people living in the home, high-value items you may own;

(b) information about your existing insurance policies/products;

(c) information about you such as your date of birth, sex, marital status, existence of dependencies, employment status;

(d) information about your lifestyle including pets, travel, car or other vehicle ownership/lease arrangements;

(e) information about your finances including income, savings, financial assets, other financial support, mortgages and other financial loans, credit card debt; and

(f) information about your health including medical conditions, prescribed medications, treatment history.

You have the flexibility to provide us with as little or as much information as possible. However, the more information you provide, the more you will get out of the Wrisk Service.

We will also collect information from connected accounts if you consent to us accessing them (eg. email, social media etc).

Please be aware that if you activate the option for Wrisk to directly connect to your these accounts we will only process personal information necessary for us to provide the Wrisk Service.

If you contact us, we may collect additional information from you such as a telephone number.

(a) Information we collect through your use of Wrisk.

We may collect through our use of cookies, pixels, beacons, log files and other technologies personal information regarding your mobile device, computer hardware and software used to access the Wrisk Service. This may include the following:

(a) IP address of device(s) used;

(b) browser type;

(b) operating system and device type;

(b) approximate location (e.g. London);

(b) access times and dates; and

(b) referring website addresses.

We may also collect personal information regarding your use of and activity on the Wrisk Service. This personal information allows us to proactively assist customers, improve the customer experience and detect potentially fraudulent behaviors.

(a) Information we collect from third parties.

We may also combine personal information that we collect through your use of the Wrisk Service with personal information that: a) you have provided to third parties and in respect of which you have given the third party permission to share with Wrisk; and/or b) we have obtained from a public record.

5 How do we use your personal information?

We collect and use your personal information to operate the Wrisk Service efficiently and to deliver you the very best service. In particular, we may use your personal information for the following purposes:

(a) Provision of the Wrisk Service.

We shall use your personal information to provide the Wrisk Service to you. This will include using and analysing your personal information to advise you on what type of insurance products you might require, to mitigate risks you are exposed to, to make recommendations of the suitability of specific insurance products to your requirements and provide certain insurance products to you.

What is our legal basis?

It is necessary for us to use your personal information to provide the Wrisk Service to you and perform our obligations in accordance with any contract that we may have with you. It is also in our legitimate interest to use your personal information in such a way to ensure that we provide the very best service we can to you.

Where we process your sensitive personal data, we shall be relying on your consent to do so.

(b) Profiling.

We shall use your personal information for profiling purposes in order to decide which insurance product may be most appropriate for you.

What is our legal basis?

Where we sell Wrisk insurance products to you, it is necessary for us to carry out such profiling in order to enter into a contract with you and/or perform that contract. However, profiling using your sensitive personal information will be done with your consent.

(c) Service administration. For more information click here.

We may use your personal information to:

(a) develop and improve the Wrisk Service;

(b) send you administrative e-mails / notifications about the Wrisk Service; and

(c) contact you to answer any queries you may have.

What is our legal basis?

It is in our legitimate interest to use your personal information in such a way to ensure that we provide the very best service we can to you.

(d) User Data Analysis.

We may use your personal information on an anonymised basis to analyse, benchmark and conduct research on users and their interactions with the Wrisk Service, Wrisk and third party insurance providers.

Where we sell Wrisk insurance products to you, it is necessary for us to carry out such profiling in order to enter into a contract with you and/or perform that contract. However, profiling using your sensitive personal information will be done with your consent.

What is our legal basis?

Where your personal information is completely anonymised, we do not require a legal basis as the information will no longer constitute personal information. However where your personal information is in a pseudonymised form, it is in our legitimate interest to continually evaluate that personal information to ensure we are aware of market trends and ensure that the products and services we provide are relevant to you.

(e) Internal record keeping and legal compliance.

We may use your personal information for internal record keeping purposes and to check you comply with the Terms of Use.

What is our legal basis?

It is in our legitimate interest to ensure that we keep our records up-to-date in order to monitor who uses the Wrisk Service, to comply with our legal obligations and to monitor your compliance with the Terms of Use.

(f) Marketing by us.

Where you consent, we may use your personal information to contact you by e-mail about our products and/or services.

What is our legal basis?

Your consent.

(g) Sharing information with third party processors.

We may share your personal information with third party processors in order to provide the Wrisk Service and associated products and services to you.

What is our legal basis?

It is in our legitimate interest to share your personal information in such a way to ensure that we provide the very best service we can to you. Where we share your sensitive personal data, we shall be relying on your consent to do so.

(h) Sharing information with professional advisors, governmental authorities & potential purchasers.

We may share your personal information with professional advisers or governmental or regulatory authorities:

(a) to enable them to process your personal information on our behalf in a manner consistent with this privacy notice;

(b) to comply with our legal obligations;

(c) to enforce our legal rights; or

(c) protect rights of third parties.

Your personal information may also be shared with prospective buyers if we go through a business transition such as a merger, acquisition by another company, or sale of all or a portion of our assets.

What is our legal basis?

It is in our legitimate interest to share your personal information with such third parties to enable them to process your information on our behalf, to comply with and/or enforce our legal rights and obligations, to protect the rights of third parties and to facilitate business transitions. Where we share your sensitive personal data, we shall be relying on your consent to do so.

(i) Sharing information with other insurance providers. For more information click here.

We may share your personal information with other insurance providers so that they can provide products and services to you.

It is in our legitimate interest of the insurance provider for us to share your personal information to enable them to process your information and provide products and services to you. Where we share your sensitive personal data, we shall be relying on your consent to do so.

To the extent we share information so that insurance providers can market to you, we will also rely on your consent.

Any other purposes for which we wish to use your personal information will be notified to you from time to time including the legal basis of such use.

6 How do we obtain your consent?

Where use of your personal information by us requires your consent, you can provide such consent:

(a) at the time we collect your personal information following the instructions provided; or

(b) by informing Wrisk by e-mail using the contact details set out in this privacy notice.

7 Children

You are required to be at least 16 years old to use the Wrisk Service so we do not intentionally collect personal information from anyone under 16, and no one under 16 should attempt to submit any personal information to Wrisk. Should we discover that any such personal information has been delivered to any of the sites, we will remove that personal information as soon as possible.

8 Use of cookies

The Wrisk Service may use certain cookies, pixels, beacons, log files and other technologies of which you should be aware. To find out more about the cookies we use and how to manage and delete cookies .

9 Third Party Links and Services

The Wrisk Service may contain links to third party websites and services. Please remember that when you use a link to go from Wrisk to another website or you request a service from a third party, this privacy notice no longer applies. For more information click here.

Your browsing and interaction on any other website, or your dealings with any other third party service provider, is subject to that website’s or third party service provider’s own rules and policies.

We do not monitor, control, or endorse the privacy practices of any third parties.

We encourage you to become familiar with the privacy practices of every website you visit or third party service provider that you deal with and to contact them if you have any questions about their respective privacy policies and practices.

This privacy notice applies solely to personal information collected by us through the Wrisk Service and does not apply to these third party websites and third party service providers.

No, we do not sell, trade, or otherwise transfer to outside parties personally identifiable information unless we provide users with advance notice. This does not include website hosting partners, claims TPAs, Insurance partners and other parties who assist us in operating our app, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it's release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property or safety.

10 How long do we keep your personal information for?

We keep your personal information only for as long as necessary to fulfil the purpose it was collected for.

11 Confidentiality and security of your personal information

We are committed to keeping the personal information you provide us secure and we will take reasonable precautions to protect your personal information from loss, misuse or alteration.

We have implemented information security policies, rules and technical measures to protect the personal information that we have under our control from:

(a) unauthorised access;

(b) improper use or disclosure;

(c) unauthorised modification; and

(d) unlawful destruction or accidental loss.

All our employees and data processors (i.e. those who process your personal information on our behalf, for the purposes listed above), who have access to, and are associated with the processing of personal information, are obliged to respect the confidentiality of the personal information of all users of the Wrisk Service.

12 How to access your information and your other rights?

You have the following rights in relation to the personal information we hold about you:

(a) Your right of access.

If you ask us, we’ll confirm whether we’re processing your personal information and, if so, provide you with a copy of that personal information (along with certain other details). If you require additional copies, we may need to charge a reasonable fee.

(b) Your right to rectification.

If the personal information we hold about you is inaccurate or incomplete, you’re entitled to have it rectified. If we’ve shared your personal information with others, we’ll let them know about the rectification where possible. If you ask us, where possible and lawful to do so, we’ll also tell you who we’ve shared your personal information with so that you can contact them directly.  In most cases you will be able to rectify information yourself using the app.

(c) Your right to erasure.

You can ask us to delete or remove your personal information in some circumstances such as where we no longer need it or you withdraw your consent (where applicable). If we’ve shared your personal information with others, we’ll let them know about the erasure where possible. If you ask us, where possible and lawful to do so, we’ll also tell you who we’ve shared your personal information with so that you can contact them directly.

(d) Your right to restrict processing.

You can ask us to ‘block’ or suppress the processing of your personal information in certain circumstances such as where you contest the accuracy of that personal information or object to us processing it. It won’t stop us from storing your personal information though. We’ll tell you before we lift any restriction. If we’ve shared your personal information with others, we’ll let them know about the restriction where possible. If you ask us, where possible and lawful to do so, we’ll also tell you who we’ve shared your personal information with so that you can contact them directly.

(e) Your right to data portability.

With effect from 25 May 2018, you have the right, in certain circumstances, to obtain personal information you’ve provided us with (in a structured, commonly used and machine readable format) and to reuse it elsewhere.

(f) Your right to object.

You can ask us to stop processing your personal information, and we will do so, if we’re:

(a) relying on our own or someone else’s legitimate interests to process your personal information except if we can demonstrate compelling legal grounds for the processing;

(b) processing your personal information for direct marketing; or

(c) processing your personal information for research unless such processing is necessary for the performance of a task carried out in the public interest.

(g) Your rights in relation to automated decision-making and profiling.

You have the right not to be subject to a decision when it’s based on automatic processing, including profiling, and it produces a legal effect or similarly significantly affects you unless such profiling in necessary for entering into, or the performance of, a contract between you and Wrisk.

(h) Your right to withdraw consent. For more information click here.

If we rely on your consent (or explicit consent) as our legal basis for processing your personal information, you have the right to withdraw that consent at any time.

(i) Your right to lodge a complaint with the supervisory authority. For more information click here.

If you have a concern about any aspect of our privacy practices, including the way we’ve handled your personal information, you can report it to the UK Information Commissioner’s Office (ICO). You can find details about how to do this on the ICO website at https://ico.org.uk/concerns/ or by calling their helpline on 0303 123 1113.

To exercise your legal rights please notify us using the contact details provided in this privacy notice.

13 Change to this privacy notice

We may make changes to this privacy notice from time to time.

To ensure that you are always aware of how we use your personal information we will update this privacy notice from time to time to reflect any changes to our use of your personal information. We may also make changes as required to comply with changes in applicable law or regulatory requirements. We may notify you by e-mail of any significant changes. However, we encourage you to review this privacy notice periodically to be informed of how Wrisk uses your personal information.

Last Updated May 2017

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