Here at ABA Commercial Insurance we strongly believe in protecting your confidentiality and privacy of your Personal Information. ABA have created this Privacy Notice to clarify how ABA collects, uses and protects Personal Information. Personal Information is any combination of information, in the possession of or likely to come into the possession of ABA, that can be used to identify, contact, or locate an individual (“Personal Information”) and will be treated in accordance with this Privacy Notice.
The data controller of this website is ABA Insurance Commercial Litd, company registration number 10778761
ABA Commercial Insurance may collect, use and disclose your Personal Information (including individuals associated with you, all of whom are referred to as “you” in this Privacy Notice) in its normal course of business for the following purposes:
- Establishing and maintaining communications with you;
- Arranging insurance cover;
- Handling claims;
- Marketing and client profiling;
- Allowing our affiliated companies to notify you of certain products or services offered by our affiliated companies;
- Processing transactions through service providers;
- Sharing with associations for those clients/participants obtaining insurance coverage by being a member of the association;
- Sharing with financial institutions and other organizations where we have joint marketing agreements;
- Facilitating premium finance arrangements;
- Credit assessments and other background checks;
- Where we believe it is necessary to meet legal, security, processing and regulatory requirements;
- Protecting against fraud, suspicious or other illegal activities;
- Research and statistical analysis; and
- Building databases for use by ABA Commercial Insurance, its clients and insurers.
What Information We Collect
When using this Site, you may choose to provide us with information to help us serve your needs. The Personal Information that we collect will depend on how you choose to use this Site.
Information you provide on applications or other forms, which may include your name, address, email address, age, personal identification numbers, credit card numbers, credit records, banking information, payment records, medical and health information, employment and income information;
Any Personal Information that you provide will be used for the purpose indicated on the Site or in this Privacy Notice.
Following the quote, if you decide to proceed, we will collect Personal Information necessary to finalise the relevant quote and proceed with the transaction, such as your name, address, post code, contact telephone number, e-mail address, billing address or payment details, as relevant to the product. We will use your Personal Information to administer your policy, process claims and generally manage your relationship with us. We may pass the Personal Information you provide to others. Please see the Disclosure of Information to Others section for information on the categories of recipients of Personal Information.
Where You Submit Content
Finally, if you submit content regarding any of the information that you view on our Site, we will ask for your name and e-mail address, so that, if you choose, we can update you by e-mail when others also comment on the content, and also so that we can manage the content in line with our Terms & Conditions. You should be aware that the information you provide there will be made publically available to ABA Commercial Insurance employees and other users of the Site.
Disclosure of Information to Others
We do not disclose any Personal Information about you to any third parties except as stated in this Privacy Notice, as otherwise permitted by law, or authorised by you.
Third parties to whom we disclose your Personal Information are required by law and contractual undertakings to keep your Personal Information confidential and secure, and to use and disclose it for purposes that a reasonable person would consider appropriate in the circumstances, in compliance with all applicable legislation. The purposes for which we may disclose your Personal Information to third parties are as follows:
To conduct our business as an insurance intermediary and risk consultant including for the purposes of arranging insurance cover, handling claims, facilitating premium finance arrangements in respect of which we may disclose your Personal Information to insurers, reinsurers, intermediaries or other brokers, outsourcers, sub-contractors, agents and service providers, premium finance providers and professional advisors and auditors;
To associations for those Clients/Participants obtaining insurance coverage by being a member of the association;
To notify you or allow our affiliated companies to notify you of certain products or services offered by our affiliated companies; and
To update information with credit bureaus and insurance reporting agencies.
If these third parties wish to use your Personal Information for any other purpose, they will have a legal obligation to notify you of this and, where required, to obtain your consent.
In the normal course of performing services for our clients, Personal Information may be shared within ABA Commercial Insurance and its affiliates for research and statistical purposes, system administration and crime prevention or detection. This may require Personal Information to be accessed or moved to a country different from the one where the Personal Information was collected. When you supply us with information containing third party Personal Information (names, addresses, or other information relating to living individuals), we will hold and use that Personal Information to perform general insurance and other services for you on the understanding that the individuals to whom the
Your knowledge of and consent to ABA Commercial Insurance’s collection, use and disclosure of your Personal Information is critical. We rely on the following actions by you as indications of your consent to our existing and future Personal Information practices:
Your voluntary provision of Personal Information to us directly or indirectly, for example through another insurance intermediary, a representative or your employer for the purposes set out above;
Your express consent or acknowledgement contained within a written, verbal or electronic document; and