Privacy Policy

BACKGROUND:

This Policy applies as between you, the User of this Website and”Motor Products Online Ltd” the owner and provider of this Website. This Policy applies to our use of any and all Data collected by us in relation to your use of the Website.

1. Definitions and Interpretation

In this Policy the following terms shall have the following meanings:

“Data”	means collectively all information that you submit to the “Motor Products Online Ltd” via the Website. This definition shall, where applicable, incorporate the definitions provided in the Data Protection Act 1998;
“Cookie”	means a small text file placed on your computer by this Website when you visit certain parts of the Website and/or when you use certain features of the Website. Details of the cookies used by this Website are set out in Clause 12;
“Motor Products Online Ltd”	means the company “Motor Products Online Ltd” which is authorised and regulated by the Financial Conduct Authority (FCA No 828724).
“UK and EU Cookie Law”	means the Privacy and Electronic Communications (EC Directive) Regulations 2003 as amended by the Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2011;
“User, You“	means any third party that accesses the Website and is not employed by “Motor Products Online Ltd” and acting in the course of their employment; and
“Website”	means the website that you are currently using (www.wepayanyexcess.com) and any sub-domains of this site (e.g. subdomain.www.wepayanyexcess.com) unless expressly excluded by their own terms and conditions.

“We”,”Us”

Acasta European Insurance Company Limited Motor Products Online Ltd

Data Controller

Acasta European Insurance Company Limited Motor Products Online Ltd

 

2. Scope of this Policy
This Policy applies only to the actions of “Motor Products Online Ltd” and Users with respect to this Website. It does not extend to any websites that can be accessed from this Website including, but not limited to, any links we may provide to social media websites.
3. Data Collected
Without limitation, any of the following Data will be collected by this Website when you obtain an excess insurance quote:
3.1. name
3.2. date of birth
3.3. vehicle details
3.4. job title/study level
3.5. Employer
3.6. contact information such as email addresses and telephone numbers
3.7. demographic information such as post code, preferences and interests
3.8. financial information such as credit / debit card numbers
3.9. IP address (automatically collected)
3.10. web browser type and version (automatically collected)
3.11. operating system (automatically collected)
3.12. a list of URLs starting with a referring site, your activity on this Website, and the site you exit to (automatically collected);

3.13 When you obtain a quote but do not purchase a policy we will store your information and may contact you to remind you that you obtained a quote, ask why you didnt purchase or request you to complete a survey about your experience on our website.

4. Data Protection Notice

We are the Data Controller for the data You provide to
Us. We need to use Your data in order to arrange Your
insurance and associated products.
You are obliged to provide information without which We
will be unable to provide a service to You. Any personal
information provided by You may be held by the Insurer
in relation to Your insurance cover. It may be used by
Our relevant staff in making a decision concerning Your
insurance and for the purpose of servicing Your cover
and administering claims.
Information may be passed to loss adjusters, solicitors,
reinsurers or other service providers for these
purposes. We may obtain information about You from
credit reference agencies, fraud prevention agencies
and others to check Your credit status and identity.
The agencies will record Our enquiries, which may be
seen by other companies who make their own credit
enquiries. If You provide false or inaccurate information
and We suspect fraud, We will record this.
We and other organisations may use these records to:
a. Help make decisions on insurance proposals and
insurance claims, for You and members of Your
household
b. Trace debtors, recover debt, prevent fraud, and
manage Your insurance policies
c. Check Your identity to prevent money laundering,
unless You furnish Us with satisfactory proof of
identity.
We process all data in the UK but where We need
to disclose data to parties outside the European
Economic Area (EEA) We will take reasonable steps to
ensure the privacy of Your data. In order to protect Our
legal position, We will retain Your data for a minimum
of 7 years. We have a Data Protection regime in place
to oversee the effective and secure processing of Your
data. Under GDPR legislation, You can ask Us for a
copy of the data We hold, have it corrected, sent to
a third party or deleted (subject to Our need to hold
data for legal reasons). We will not make Your personal
details available to any companies to use for their own
marketing purposes. If You wish to complain about how
We have handled Your data, You can contact Us and
We will investigate the matter. If You are not satisfied
with Our response or believe We are processing Your
data incorrectly You can complain to the Information
Commissioner’s Office, Wycliffe House, Water Lane,
Wilmslow, Cheshire SK9 5AF Tel: 0303 123 1113.

5. Third Party Websites and Services
5.1. “Motor Products Online Ltd” may, from time to time, employ the services of other parties for dealing with matters that may include, but are not limited to, payment processing, delivery of purchased items, search engine facilities, advertising and marketing. The providers of such services have access to certain personal Data provided by Users of this Website.
5.2. Any Data used by such parties is used only to the extent required by them to perform the services that “Motor Products Online Ltd” requests. Any use for other purposes is strictly prohibited. Furthermore, any Data that is processed by third parties shall be processed within the terms of this Policy and in accordance with the Data Protection Act 1998.
6. Links to Other Websites
This Website may, from time to time, provide links to other websites. “Motor Products Online Ltd” has no control over such websites and is in no way responsible for the content thereof. This Policy does not extend to your use of such websites. Users are advised to read the privacy policy or statement of other websites prior to using them.
7. Changes of Business Ownership and Control
7.1. “Motor Products Online Ltd” may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part of “Motor Products Online Ltd”. Data provided by Users will, where it is relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Policy, be permitted to use the Data for the purposes for which it was originally supplied to us.
7.2. In the event that any Data submitted by Users is to be transferred in such a manner, you will not be contacted in advance and informed of the changes.
8. Your Right to Withhold Information
8.1. You may access certain areas of the Website without providing any Data at all. However, to use all features and functions available on the Website you may be required to submit certain Data.
8.2. You may restrict your internet browser’s use of Cookies. For more information see Clause 12.
9. Accessing your own Data
You have the right to ask for a copy of any of your personal Data held by “Motor Products Online Ltd” (where such data is held) by contacting us in writing at Motor Products Online Ltd, 70 Eastbourne Road, Southport, PR8 4DU.
10. Security
10.1. Data security is of great importance to “Motor Products Online Ltd” and to protect your Data we have put in place suitable physical, electronic and managerial procedures to safeguard and secure Data collected via this Website.
11. Cookies
11.1. This Website may place and access certain Cookies on your computer. “Motor Products Online Ltd” uses Cookies to improve your experience of using the Website and to improve our range of products and services. “Motor Products Online Ltd” has carefully chosen these Cookies and has taken steps to ensure that your privacy is protected and respected at all times.
11.2. All Cookies used by this Website are used in accordance with current UK and EU Cookie Law.
11.3. [Certain features of the Website depend upon Cookies to function. UK and EU Cookie Law deems these Cookies to be strictly necessary]. These Cookies are shown below. Your consent will not be sought to place these Cookies. You may still block these cookies by changing your internet browser’s settings.
11.4. You can choose to enable or disable Cookies in your internet browser. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser.
11.5. You can choose to delete Cookies at any time however you may lose any information that enables you to access the Website more quickly and efficiently including, but not limited to, personalisation settings.
11.6. It is recommended that you ensure that your internet browser is up-to-date and that you consult the help and guidance provided by the developer of your internet browser if you are unsure about adjusting your privacy settings.
12. Changes to this Policy
“Motor Products Online Ltd” reserves the right to change this Policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the Website and you are deemed to have accepted the terms of the Policy on your first use of the Website following the alterations.