Privacy Policy

Privacy Policy

Law Union and Rock Insurance PLC (LUR) is committed to protecting the privacy of the individuals we encounter in conducting our business.  “Personal
Information” is information that identifies and relates to you or other
individuals (such as your dependents).  Our aim is responsible handling of
Personal Information, balancing the benefits of activities like research and
data analytics with our other commitments, including transparency and
non-discrimination.

This Privacy Policy describes how we handle Personal Information that we collect through:         

  • this website (“the Site”), the software applications made available by us for use on or through computers and mobile devices (the “Apps”), our social media pages set forth in the links in the footer on lawunioninsurance.com (our “Social Media Pages”) (collectively, including the Site, the Apps, our Social Media Pages, etc); and
  • other means (for example, from your application and claim forms, telephone calls, e-mails and other communications with us, as well as from claim investigators, medical professionals, witnesses or other third parties involved in our business dealings with you).

     
By using the LUR On-line Services, you signify your acceptance of this Privacy Policy.  

Personal Information That We Collect  

Depending on your relationship with us (for example, as a consumer policyholder; insured person benefiting under another policyholder’s policy, or claimant; witness; commercial broker or appointed representative; or other person relating to our business), Personal Information collected about you and your dependents may include:

  • General identification and contact information 
    Your name; address; e-mail and telephone details; gender; marital status; family status; date of birth; passwords on our systems; educational background; physical attributes; activity records, such as driving records; photos; employment history, skills and experience; professional licenses and affiliations; relationship to the policyholder, insured or claimant; and date and cause of death, injury or disability.
  • Identification numbers issued by government bodies or agencies 
    National Identity Number; Policy number; passport number; tax identification number; driver’s Identity Number; or identifications number.
  • Financial information and account details 
    Bank account or other financial account number and account details; credit history and credit score; assets; income; and other financial information.
  • Medical condition and health status 
    Current or former physical or mental or medical condition; health status; injury or disability information; medical procedures performed; personal habits (for example, smoking or consumption of alcohol); prescription information; and medical history.
  • Other sensitive information 
    In certain cases, we may receive sensitive information about you for example, if you apply for insurance through a third party marketing partner that is a professional, trade, political, religious or community organization.  In addition, we may obtain information about your criminal record or civil litigation history in the process of preventing, detecting and investigating fraud.  We may also obtain sensitive information if you voluntarily provide it to us (for example, if you express preferences regarding medical treatment based on your religious beliefs).
  • Telephone recordings 
    Recordings of telephone calls to our representatives and call centres.
  • Photographs and video recordings 
    Photographs or video recordings created in connection with our insurance or other business activities, including for claims assessment, processing, settlement, and disputes, or for other relevant purposes as permitted by law.
  • Information to investigate or prevent crime, including fraud and money laundering 
    For example, insurers commonly share information about their previous dealings with policyholders and claimants for this purpose.
  • Information enabling us to provide products and services 
    Location and identification of property insured (for example, property address, vehicle license plate or identification number); travel plans; age categories of individuals you wish to insure; policy and claim numbers; coverage/peril details; cause of loss; prior accident or loss history; your status as director or partner, or other ownership or management interest in an organization; and other insurance you hold.
  • Marketing preferences and customer feedback 
    You may let us know your marketing preferences, enter a contest or prize draw or other sales promotion, or respond to a voluntary customer satisfaction survey.
  • Social media account and information from Apps 
    We may receive certain Personal Information about you when you use our Apps or Social Media Pages, including your social media account ID and profile picture.  If you elect to connect any of your other social media accounts to your account(s) on the LUR On-line Services, Personal Information from your other social media account(s) will be shared with us, which may include Personal Information that is part of your profile relating to those accounts or your friends’ profiles.
  • Information from Other Sources 
    We and our service providers may supplement the Personal Information we collect with information from other sources, such as publicly available information from social media services, commercially available sources and information from our affiliates or business partners.

How We Use Personal Information  

We use this Personal Information to:

  • Communicate with you and others as part of our business.
  • Send you important information regarding changes to our policies, other terms and conditions, our LUR On-line Services and other administrative information.
  • Make decisions about whether to provide insurance and assistance services, and other products and services which we offer, and provide such products and services, including claim assessment, processing and settlement; and, where applicable, manage claim disputes.
  • Assess your eligibility for payment plans, and process your premium and other payments.
  • Provide improved quality, training and security (for example, with respect to recorded or monitored phone calls to our contact numbers).
  • Prevent, detect and investigate crime, including fraud and money laundering, and analyze and manage other commercial risks.
  • Carry out research and analysis, including analysis of our customer base and other individuals whose Personal Information we collect as explained in this Privacy Policy.
  • Provide marketing information to you (including information about other products and services offered by selected third-party partners) in accordance with preferences you have expressed.
  • Personalize your experience when using our LUR On-line Services or visiting third-party websites by presenting information and advertisements tailored to you.
  • Identify you to anyone to whom you send messages through any of the LUR On-line Services.
  • Allow you to participate in contests, prize draws and similar promotions, and to administer these activities. Some of these activities have additional terms and conditions, which could contain additional information about how we use and disclose your Personal Information, so we suggest that you read these carefully.
  • Facilitate social sharing functionality.
  • Manage our infrastructure and business operations, and comply with internal policies and procedures, including those relating to auditing; finance and accounting; billing and collections; IT systems; data and website hosting; data analytics; business continuity; and records, document and print management.
  • Resolve complaints, and handle requests for data access or correction.
  • Comply with applicable laws and regulatory obligations (including laws outside your country of residence), such as those relating to anti-money laundering, sanctions and anti-terrorism; comply with legal process; and respond to requests from public and governmental authorities (including those outside your country of residence).
  • Establish and defend legal rights; protect our operations or those of any of our group companies or business partners, our rights, privacy, safety or property, and/or that of our group companies, you or others; and pursue available remedies or limit our damages.

When LUR provides Personal Information to a service provider, the service provider will be selected carefully and required to use appropriate measures to protect the confidentiality and security of the Personal Information.

If we believe the security of your Personal Information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavour to do so as promptly as possible under the circumstances, and, to the extent we have your e-mail address, we may notify you by e-mail.

Personal Information of Other Individuals  

If you provide Personal Information to LUR regarding other individuals, you agree: (a) to inform the individual about the content of this Privacy Policy, and any other applicable LUR Privacy Notice provided to you; and (b) to obtain any legally-required consent of Personal Information about the individual in accordance with this Privacy Policy and other Privacy Notice.

Third Party Privacy Practices  

This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site or service to which the LUR On-line Services link.  The inclusion of a link on the LUR On-line Services does not imply endorsement of the linked site or service by us

Please note that we are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, such as Facebook, Apple, Google, Microsoft, RIM or any other software application developer or provider, social media platform, operating system or wireless service provider, or device manufacturer, including any Personal Information you disclose to other organizations through or in connection with the Apps or our Social Media Pages.

Changes to This Privacy Policy  

We review this Privacy Policy regularly and reserve the right to make changes at any time to take account of changes in our business and legal requirements.  We will place updates on our website.