Privacy & Legal Notice

Legal Notice

Please read this Notice with care as by using this site you agree to be bound by its terms. If we decide to make changes to the Notice we will post any changes on this page. If you have any queries please do not hesitate to contact us.

Red Sands has its registered office at Level 3, Ocean Village Business Centre, 23 Ocean Village Promenade, Gibraltar.

If you would like to contact Red Sands, please click on the 'Contact Us' section on the home page of the website ("the Website"). By using this Website you agree that you have read and accepted all the terms included herein.

'you', 'your' and 'yours' refer to the person(s) accessing the Website.

DATA PROTECTION AND PRIVACY NOTICE

We are committed to protecting and respecting your privacy in accordance with the current Data Protection Legislation (“Legislation”). This notice sets out the basis on which we will process any personal data that we collect from you, or that you provide to us. For the purposes of the Legislation, we will qualify as the Data Controller in relation to any personal data you supply to us.

This Privacy Policy should be brought to the attention of any party who is included in your Policy, where they have given you consent to act on their behalf.

By providing your personal information or the personal information of someone included in your policy, you acknowledge that we may use it only in the ways set out in this Privacy Policy.

OUR PRIVACY PRINCIPLES

When we collect and use your personal information, we ensure we look after it properly and use it in accordance with our privacy principles set out below, keep it safe and will never sell it.

Personal information you provide is processed fairly, lawfully and in a transparent manner;
Personal information you provide is collected for a specific purpose and is not processed in a way which is incompatible with the purpose for which Red Sands collected it;
Your personal information is adequate, relevant and limited to what is necessary in relation to the purposes for which it is processed;
Your personal information is kept accurate and, where necessary kept up to date;
Your personal information is kept no longer than is necessary for the purposes for which the personal information is processed;
We will take appropriate steps to keep your personal information secure;
Your personal information is processed in accordance with your rights;
We will only transfer your personal information to another country or an international organisation outside the the European Economic Area, United Kingdom or Gibraltar, where we have taken the required steps to ensure that your personal information is protected. Such steps may include placing the party we are transferring information to under contractual obligations to protect it to adequate standards;
Red Sands do not sell your personal information and we also do not permit the selling of customer data by any companies who provide a service to us.

INFORMATION WE MAY COLLECT OR RECEIVE ABOUT YOU

We may collect and process personal data that you provide directly to us by filling in forms, sending emails, over the phone or that we receive via third parties such as our partners.

The information that we collect will depend on our relationship with you. Where other people are named on your policy, we may ask you to provide the information below in relation to those people too, if this is relevant to your insurance:

Personal information:

contact details such as name, email address, postal address and telephone number;
details of any other persons included on the policy where they are named on your policy and the relationship to you as policyholder;
identification information such as your date of birth, national insurance number, passport and driving licence;
financial information such as bank details, credit card details and information obtained as a result of our credit checks;
information relevant to your insurance policy such as details about your property, vehicle, veterinary or medical advisors, previous policies or claims, recent damage;
information relevant to your claim or your involvement in the matter giving rise to a claim;
information about the nature of your business and commercial assets;
information obtained through our use of cookies;
details of bankruptcies and other financial sanctions such as HMRC investigations.

Sensitive Personal Data (such as information relating to health or criminal convictions), may be required by us for the specific purposes of underwriting and fraud detection, or as part of the claims handling process. The provision of such data is conditional for us to be able to provide insurance or manage a claim and, whilst you can withdraw your consent for us to process such data, this may result in us not being able to continue cover, or to process any claims.

Sensitive personal information:

details of your current or former physical or mental health;
details concerning sexual life or sexual orientation, for example marital status;
details regarding criminal offences, including alleged offences, criminal proceedings, outcomes and sentences (previous criminal convictions, bankruptcies and other financial sanctions such as County Court Judgements).

Where such data is provided to us, it will only be used for the specific purposes set out above and will be treated securely and in line with this notice.

HOW WE USE YOUR INFORMATION

We may use the personal data we hold about you in the following ways:

The reason we use your data	Our legal basis for its use
For the purposes of providing insurance, handling claims and any other related purposes	For the performance of the insurance contract between you and us
For research or statistical purposes	Our legitimate interests – for us to analyse historic activity, to improve our rating algorithms and to help predict future business impact. To further our commercial interests, to enhance our product offering and to develop new systems and processes
To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes	Where you have provided consent
To administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes	Our legitimate interests - for us to analyse activity and traffic and for testing, research, statistical and survey purposes
To notify you about changes to our service	Our legal and regulatory obligations
To safeguard against fraud and money laundering	Our legal and regulatory obligations
To meet general legal or regulatory obligations	Our legal and regulatory obligations
To communicate with you and resolve any complaints you may have	Our legal and regulatory obligations along with our legitimate business interests to resolve any complaints
To improve quality, training and security (for example), with respect to recorded or monitored phone calls	Our legitimate need to provide secure and quality services and when processing sensitive personal information, we apply an exemption for Insurance purposes, where appropriate

DISCLOSURE OF YOUR PERSONAL DATA

We may disclose your personal data to third parties involved in providing products or services to us, or to service providers who perform services on our behalf. These may include but are not limited to the following:

Contracted third party administrators, partners or service providers;
Reinsurers;
Insurance reference bureaus;
Medical service providers;
Loss Adjusters;
Credit reference agencies;
Trade Associations;
The Financial Ombudsman Service (FOS) or the Information Comissioner’s Office (ICO)
Fraud detection agencies;
External law firms or Consultants;
External Auditors;
Regulatory authorities; and
As may be required by law.

Disclosure of your personal information to a third party will only be made where the third party has agreed to keep your information strictly confidential and shall only be used for the specific purpose for which we provide it to them.

INTERNATIONAL TRANSFERS OF DATA

We may transfer your personal data to destinations outside the European Economic Area, the United Kingdom or Gibraltar (for these purposes, defined together as the “EEA”). Where we transfer your personal data outside of the EEA, we will ensure that it is treated securely, and in accordance with this privacy notice and the Legislation

YOUR RIGHTS

You have the right to:

See a copy of the personal information we hold about you;
Ask us to erase any of your personal data (subject to certain exemptions);
To have any inaccurate or misleading data corrected or deleted;
Restrict the processing of your data;
Ask us to provide a copy of your data to any controller in a portable and machine readable manner;
To object to direct marketing;
To not be subject to automated-decision making;
To withdraw consent;
To lodge a complaint with the local data protection authority.

For access to your personal data please write to:

The Data Protection Liaison Officer, Red Sands Insurance Company (Europe) Limited, Level 3 Ocean Village Business Centre, 23 Ocean Village Promenade, Gibraltar, GX11 1AA.

COOKIES

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. For example, we are interested in the number of visitors and the pages they visit; which pages are most and least popular. By applying what we learn about site visitor habits, we can adapt the content to try and make it more easily accessible, relevant and interesting to site visitors. In some cases, cookies are used to remember information about your visit to our site between visits. We may need to do this to improve your use of the web site, such as remembering any feature preferences. By continuing to browse the site, you are agreeing to our use of cookies.

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer. Cookies contain information that is transferred to your computer's hard drive.

Our cookies do not store personal information such as your name, address, phone number or email in a format that can be read by others. The cookies we use cannot read or search your computer, smartphone or web-enabled device to obtain information about you or your family, or read any material kept on your hard drive.

We use the following cookies:

Strictly necessary cookies: We only use those cookies that are required for the operation of our website.

Analytical/performance cookies: They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.

You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.

Please refer to your browser's 'help' facility on how to configure accepting cookies.

CHANGES TO OUR PRIVACY POLICY

We may revise our privacy policy at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make.

If you have any questions concerning our use of your personal data, please contact

The Data Protection Liaison Officer, Red Sands Insurance Company (Europe) Limited, Level 3 Ocean Village Business Centre, 23 Ocean Village Promenade, Gibraltar, GX11 1AA.

E-Mails

Please note that there is no guarantee that any e-mail sent to this site will be received by Red Sands or that the message will remain confidential whilst being transmitted.

Terms

These Terms are to be read by you in conjunction with any other terms, conditions and disclaimers provided or referred to in the pages of the Website. In the event of any conflict, the terms, conditions and disclaimers provided in the pages of the Website shall prevail over these Terms.

Red Sands may change the information, material and content provided on this Website at any time. Your continued access to or use of the Website will mean that you agree to any changes Red Sands may make.

Users

You use the Website and the information contained herein at your sole risk and you are wholly responsible for such use. You must not use the Website for fraudulent purposes or in connection with any unlawful activity. You must not use the Website in any way that causes, or is likely to cause, the Website or access to it to be interrupted, damaged or impaired in any way.

In no event will Red Sands, it's suppliers, subcontractors, representatives or other third parties mentioned on this site be liable to any party for any direct, indirect, incidental, special, reliance, consequential or punitive damages for any use of this website or any other website, howsoever caused, including but not limited to costs or expenses, any loss of profit and/or business interruption, loss of programs or other data and any other losses that result from the use of, or inability to use, this Website or any materials on any site linked to this Website (including, but not limited to, any viruses or any other errors or defects or failures in computer transmissions or network communications) even if Red Sands has been advised of the possibility of such damage and whether foreseeable or not. In addition, no liability can be accepted by Red Sands in respect of any changes made to the content of the Website by unauthorised third parties. All express or implied warranties or representations are excluded to the fullest extent permissible by law. Red Sands does not limit in any way its liability by law for death or personal injury caused by our negligence, breach of duty, gross negligence or wilful misconduct.

Nothing on this Website shall be deemed to constitute financial or other professional advice in any way. If any advice or guidance is required on Red Sands' products or services, please contact Red Sands as directed on this Website. These statements do not affect your statutory rights.

Third party products, services and websites

This Website may contain links to third-party websites. These are provided for information only and Red Sands is not responsible for the content of any other websites or pages linked to or linking to this Website. No third party website may be linked to the Website without Red Sands' prior written consent.

Red Sands excludes responsibility for the suitability or availability of third party products or services which may appear on or be linked to the Website from time to time.

Disclaimer/ Access and Accuracy

Red Sands aims to ensure the information contained in this Website is based on information at the date of publication, but accuracy cannot be guaranteed. Red Sands makes no warranties or representations (express or implied) as to its accuracy, currency or completeness. You should take appropriate steps to verify all information on this Website before acting upon it.

While Red Sands will try to ensure that the availability of the Website will be uninterrupted and error-free, this cannot be guaranteed. Your access to the Website may be occasionally suspended or restricted to allow for repairs, maintenance, or the introduction of new facilities or services. Red Sands will, however, attempt to limit the frequency and duration of any such suspension or termination.

We reserve the right to make amendments and changes to the information on this site at any time. Unless it is clearly indicated, the information provided on this site is not intended to be an offer by us to enter into a contract with you. A contract will be formed only after we have accepted your application and have confirmed to you that a contract has been entered into.

Intellectual Property

Trademarks and copyright

Copyright in this Website is owned by or licensed to Red Sands, unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our Website for your personal information or when you use our products and services. Any other use is prohibited without our prior written permission. If you would like further information in this connection, please contact Red Sands using the 'Contact Us' link on the Website. This Website, or any portion of it, may not be reproduced, duplicated, copied, sold or visited without our express written consent.

Data Protection

Please see above for our Privacy Policy.

Governing law

The Website and these Terms are governed by the law of England and the English courts shall have the non-exclusive jurisdiction to hear any dispute arising out of them.