The data controller of your information is Caura Ltd of 1 Horse Guards Avenue, London, England, SW1A 2HU. Our registration number with the Information Commissioner’s Office (ICO) is ZA603130.
2. KEY WORDS
'Terms and Conditions' the terms and conditions set out in the policy which is/was issued to you.
'Data Protection Laws' means the General Data Protection Regulation ((EU) 2016/679) and any national implementing laws, regulations and secondary legislation, as amended or updated from time to time, in the UK.
'Quote' for the purpose of this privacy notice shall include any Quotation for a new policy, renewal of your existing policy or when you make a mid-term change to your existing policy.
'Product Providers' for the purposes of this privacy notice shall include Insurers providing a quotation, your Insurer, reinsurers, any Underwriter, Administrator (each as defined in your Policy) which either form part of your Policy.
"Personal information" means any information that we have obtained from you or third parties in connection with a service or product provided to you that is held now or at any time in the future by us.
'IP address' is your Internet Protocol address which is a code that each device connected to the Internet has in order to identify that device.
'Data subjects' are Caura app users, prospective insurance consumers, insurance Policyholders and premium finance customers.
'Personal data' is information about an identified or identifiable natural person that could allow a living person to be identified.
3. WHAT INFORMATION DO WE COLLECT?
Information you give us. You may give us information about you when you use our App, get a quotation for insurance, purchase insurance and when you communicate with us. This includes information you input during registration by answering specific questions, providing us with feedback, participating in surveys, and when you report a problem.
The information you give us may include:
Information we collect about you. We will collect information during your use of the App, including:
Recording telephone calls and other communications. we may monitor or record telephone conversations or other communications between you and us.
4. WHAT IS THE BASIS FOR PROCESSING?
We make sure we have appropriate legal bases on which to collect, use and share data about you. Our lawful bases may include:
5. WHAT IS YOUR INFORMATION USED FOR?
All the personal data we process is processed:
What we will never do. Rest assured, we will never sell your information to third parties.
Information we receive from other sources. We may combine this information (including information we receive from the DVLA) with information you give to us and use this information and the combined information for the purposes set out above.
Recording telephone calls and other communications. We will use telephone recordings or transcripts of communications to check your instructions to us, analyse, assess and improve our services, for training and quality purposes and for the purposes of investigating any complaint you may make, or as evidence in any dispute between you and us.
6. WHO DO WE SHARE YOUR DATA WITH?
We may need to disclose your data to others to facilitate the provision to you of the App, for insurance quotations, the purchasing and management of insurance and any additional services you request via the App. Your data may be disclosed to the other entities as described below.
We may share your information with:
Disclosure of your personal information to a third party will only be made where they agree to keep your information confidential and will only be used for the specific purpose for which we provide it to them.
7. TRANSFERS TO ANOTHER COUNTRY
8. DATA STORAGE AND DELETION
If you ask for an insurance quote with us, via any route, we will keep this data for up to three years. If you purchase an insurance policy from us, we will keep your personal data for the duration of your policy and for up to seven years or longer to ensure we’re able to answer any queries, manage any complaints and to manage outstanding claims.
After termination of your account with us, we may continue to use anonymised data (that does not identify you) which is aggregated with anonymised data of other users. We use this aggregated data for data analysis, profiling and research purposes. We may also keep your email address to ensure that you no longer receive any communications from us.
Cookies are small text files that are placed on your device by websites that you visit. They are widely used in order to make websites and apps work, or work more efficiently, as well as to provide information to the owners of the site or app. Cookies do not contain person-identifiable information such as personal contact details or credit/debit card numbers.
Our websites only enable essential cookies by default. These are cookies necessary for the technical performance of our platform, such as security and fraud prevention. Non-essential cookies, such as those that collect information about user journeys to deliver relevant content, are only enabled after explicit consent has been given. If you would prefer to deactivate all non-essential cookies, you can do so by ‘rejecting’ cookies when prompted. Please note that disabling cookies will limit the service that we can provide. For more information on how to update your settings, visit the Information Commissioner's Office website here.
We and our service providers collect information about your use of our App from cookies. Caura uses three types of cookie:
Session cookies: These enable us to track your movements across our websites and save information to make life easier.
Persistent cookies: These enable us to remember your preferences and settings each time you visit our websites. This makes using the site faster and reduces the need to re-enter data.
Third party cookies: These enable us to track user activity outside our websites and better optimise campaigns and analytics.
We use the following cookies for the reasons stated below:
Google Ads: Allows us to see how effective our ad campaigns are by tracking how many users click through to our website from a particular ad, and the demographic of those users.
Google Analytics: Allows us to see how many users are on the website and which pages they are visiting.
Google Tag Manager: Allows us to see which pages users are visiting, and how many users click through to our website from a particular link.
Facebook Pixel: Allows us to see how effective our ad campaigns are by tracking how many users click through to our website from a particular ad, and the demographic of those users.
Hotjar: Allows us to see how many users are on the website, which pages they are visiting and what content they are interacting with.
Segment: Allows us to see how effective our ad campaigns are by tracking how many users click through to our website from a particular link.
Singular: Allows us to see how effective our ad campaigns are by tracking how many users click through to our website from a particular link.
10. YOUR LEGAL RIGHTS
We are committed to delivering the rights that data protection law provides to individuals. Please be aware that these rights are often not absolute, and exemptions may apply.
11. HOW WE PROTECT YOUR INFORMATION
We do our best to protect your personal data, but we cannot guarantee the security of your data transmitted to our App; 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, loss or damage.
12. LINKS TO THIRD PARTY WEBSITES
Our App may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies.
If you have a complaint relating to the processing of your personal data, please use the following contact details:
Data Protection Officer, Caura Ltd, Public Hall, 1 Horse Guards Ave, Westminster, London SW1A 2HU or by email at firstname.lastname@example.org.
We would appreciate the opportunity to address any concerns or complaints you may have with respect to the App and our data processing practices. However, you are also entitled to lodge a complaint with a supervisory authority at any time. In the UK this would be the Information Commissioner’s Office (https://ico.org.uk/make-a-complaint/).