Legals

Privacy Policy

  • General

  • Personal information we may collect about you

    We collect and process different kinds of personal information about individuals including: the directors/members of our clients or prospective clients, clients who may be sole traders or partners of a partnership; and our clients or prospective client’s employees, customers and suppliers, which we have grouped together as follows: • Identity Data - including name, username or similar identifier, marital status, title, date of birth and gender.
    • Contact Data - including telephone number (office and mobile), home and business address and email addresses.
    • Financial Data - including bank account data, financial records, debt information and credit card information.
    • Technical Data - including IP address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website.
    • Profile Data - including any usernames and passwords which you create for your service accounts, any preferences you express to us and any feedback you provide to us.
    • Usage Data - including information about how you use our website and our products.
    • Marketing and Communications Data - including your preferences in receiving marketing from us and our third parties and your communication preferences. We do not usually collect any Special Categories of personal information, such as information about your health, political beliefs or sexual orientation. We will notify you at the point of collection if we do need any Special Categories of personal information. Criminal Convictions/Records We may only process information relating to criminal convictions or criminal records where the law allows us to do so. This will usually be where it is necessary in relation to legal claims, where it is necessary to protect your interests (or someone else's interests) and you are not capable of giving your consent or where the information is publicly available. However, as part of our identity checks process we do carry out searches with agencies such as CreditSafe and/or Experian to establish identity and to detect fraud. Such searches may reveal some publicly available information about criminal records or convictions. If you do not provide the personal information we request Where we need to collect personal information by law or under the terms of a contract we have with you and you fail to provide that personal information when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to identify a suitable insurance product for you). In this case, we may have to cancel our relationship with you and it may impact on any contracts of insurance that you were looking to purchase.

  • How we will collect your information

    We collect information about you in a number of ways including through: • Direct Interactions - You may provide us with Identity, Contact, Financial, Marketing and Communications Data through any applications you make to us or through communications with us; whether by post, phone, email or otherwise. This includes: product applications, creating accounts, filling in contact us forms, providing feedback, telephone queries or completing surveys. It also includes ID documents including passports, driving licences and utility bills you provide to us.
    • Automated Technologies or Interactions - As you interact with our website we may automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal information by using server logs and other similar technologies. We may also receive Technical Data about you if you visit other websites employing our cookies or by interacting with us through third party platforms such as Twitter, Facebook LinkedIn and You Tube.
    • Third Parties or Publicly Available Sources - We may receive personal information about you from various third parties and publicly available sources including: Technical Data from analytics providers such as Google based outside the EEA and Identity and Contact Data from publicly available sources such as Companies House. 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 detailed information on the cookies we use and the purposes for which we use them see our Cookie policy https://www.avenueinsurance.co.uk/legals/

  • How and why we will use your information

    Under data protection laws we can only use your personal information if we have a proper legal basis for doing so. Most commonly we will use your personal information in the following circumstances: • to comply with our legal and regulatory obligations;
    • for the performance of our contract with you or to take steps at your request before entering into a contract;
    • for our legitimate interests (or those of a third party); or
    • where you have given consent. Where we are relying on consent as the legal basis for processing your personal information you have the right to withdraw consent at any time by contacting us at info@avenueinsurance.co.uk A legitimate interest is when we have a business or commercial reason to use your information, so long as this is not overridden by your own fundamental rights and interests. Purposes for which we will use your personal information We may use the personal information held about you for various purposes and which of the legal bases we rely on to do so are set out in the following table:

  • Who we may share your personal information with

    We may disclose your information to the following third parties: • Insurers, reinsurers and other insurance intermediaries in order to provide you with insurance broking and related services
    • Lenders who are to be protected by any policy you purchase using our services;
    • The FCA in accordance with our regulatory and reporting requirements;
    • Credit reference or fraud prevention agencies within the EEA to:
       - undertake a search in order to verify your identity (and a record of this search will be retained);
       - check the details and information you have supplied to us against any database, public or otherwise;
       - assist other companies with verification and identification;
       - to identify and prevent fraud, money laundering and other criminal activity;
       - to protect our business; and
       - to comply with laws.
    • Law enforcement agencies within the EEA to the extent we are required to do so by law.
    • Third party service providers including IT service providers based both inside and outside the EEA.
    • Our bankers in order to comply with their regulatory and legal obligations and to provide services to us.
    • Professional advisors including lawyers, accountants, loss adjusters, debt collection agencies and consultants so that they can provide services to us and/or advise us accurately in relation to any agreement we may have with a client.
    • If we are under a duty to disclose or share your personal information in order to comply with any legal obligation, to establish or defend any legal claims or to enforce any terms of any contracts entered into between you and us. This includes exchanging information with other companies and organisations, including credit reference agencies and fraud prevention agencies, for the purposes of fraud protection and credit risk reduction. If at any time you give us or procure the giving of false of inaccurate information and we suspect fraud we will record this and disclose the relevant details to fraud prevention agencies.
    • In the event that we sell or buy any business or assets, in which case we may disclose your personal information to the prospective seller or buyer of such business or assets.
    • Where you have confirmed to us that you are happy for us to do so.

  • Transfer of Information

    We may transfer your personal information abroad to other countries outside of the UK. If we so do, we will ensure that a similar degree of protection is afforded to your information by ensuring at least one of the following safeguards is implemented: • We will only transfer your personal information to countries that have been deemed to provide an adequate level of protection for personal information by the European Commission.
    • Where we use certain service providers, we may use specific contracts approved by the European Commission which give personal information the same protection it has in Europe.
    • Where we use providers based in the US, we may transfer data to them if they are part of the Privacy Shield which requires them to provide similar protection to personal information shared between the Europe and the US. We may transfer your personal information abroad to other countries outside of the UK. If we so do we will ensure that the country to which your information is transferred, ensures an adequate level of protection which is at least as good as those in the UK.

  • Your rights in relation to your personal information

    Your duty to inform us of changes It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes during your working relationship with us. Your rights in connection with personal information Under certain circumstances, by law you have the right to: • Request access to your personal information (commonly known as a "data subject access request"). This enables you to receive a copy of the personal information we hold about you and to check that we are lawfully processing it.
     Request correction of the personal information that we hold about you. This enables you to have any incomplete or inaccurate information we hold about you corrected.
     Request erasure of your personal information. This enables you to ask us to delete or remove personal information where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal information where you have exercised your right to object to processing (see below).
     Object to processing of your personal information where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal information for direct marketing purposes.
     Request the restriction of processing of your personal information. This enables you to ask us to suspend the processing of personal information about you, for example if you want us to establish its accuracy or the reason for processing it.
     Request the transfer of your personal information to another party. If you want to review, verify, correct or request erasure of your personal information, object to the processing of your personal information, or request that we transfer a copy of your personal information to another party, please contact info@avenueinsurance.co.uk No fee usually required You will not have to pay a fee to access your personal information (or to exercise any of the other rights). However, we may charge a reasonable fee if your request for access is unfounded or excessive. Alternatively, we may refuse to comply with the request in such circumstances. What we may need from you We may need to request specific information from you to help us confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is another appropriate security measure to ensure that personal information is not disclosed to any person who has no right to receive it. Right to withdraw consent In the limited circumstances where you may have provided your consent to the collection, processing and transfer of your personal information for a specific purpose, you have the right to withdraw your consent for that specific processing at any time. To withdraw your consent, please contact info@avenueinsurance.co.uk Once we have received notification that you have withdrawn your consent, we will no longer process your information for the purpose or purposes you originally agreed to, unless we have another legitimate basis for doing so in law.

  • Data security

    We have put in place measures to protect the security of your information. Details of these measures are available upon request. Third parties will only process your personal information on our instructions and where they have agreed to treat the information confidentially and to keep it secure. We have put in place appropriate security measures to prevent your personal information from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal information to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal information on our instructions and they are subject to a duty of confidentiality. We have put in place procedures to deal with any suspected data security breach and will notify you and any applicable regulator of a suspected breach where we are legally required to do so.

  • Data Retention

    We will only retain your personal information for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any regulatory, legal, accounting, or reporting requirements. Details of retention periods for different aspects of your personal information are available in our retention schedule which is available from info@avenueinsurance.co.uk To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the personal information, the potential risk of harm from unauthorised use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal requirements. In some circumstances we may anonymise your personal information so that it can no longer be associated with you, in which case we may use such information without further notice to you. Once you are no longer a customer we will retain and securely destroy your personal information in accordance with our data retention policy.

  • Need to speak to us?

    You can email us at info@avenueinsurance.co.uk This privacy policy was last updated in May 2018.

Website Terms and Conditions

  • General

    www.avenueinsurance.co.uk is operated by Avenue Insurance Partners Limited. We are registered in England and Wales under company registration number 10322051 and our registered office address is First Floor, Equinox North, Great Park Road, Bradley Stoke, Bristol, BS32 4QL and its subsidiaries.

    We are authorised and regulated by the Financial Conduct Authority and our firm reference number is 771099.

    Should you wish to contact us, please email info@avenueinsurance.co.uk or +44 203 795 2528.

  • Other terms that may apply

    These terms of use refer to the following additional terms, which also apply to your use of our site:

    Our Privacy Policy above, sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

    Our Cookie Policy Below, sets out information about the cookies on our site.

    Our Acceptable Use Policy, sets out the permitted uses and prohibited uses of our site. When using our site, you must comply with this Acceptable Use Policy.

  • Changes to our terms

    We may update and change our site from time to time to reflect changes to our products, our users' needs and our business priorities. We will try to give you reasonable notice of any major changes.

  • We may suspend or withdraw our site

    Our site is made available free of charge.

    We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

    You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

    If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes please contact the Marketing Department at First Floor, Equinox North, Great Park Road, Bradley Stoke, Bristol, BS32 4QL.

  • How you may use material on our site

    We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

    You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

    You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

    Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

    You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

    If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

  • Do not rely on information on this site

    The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

    Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

  • We are not responsible for websites we link to

    Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

    We have no control over the contents of those sites or resources.

  • Our responsibility for loss or damage suffered by you

    We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

    We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.

    We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

    - use of, or inability to use, our site; or

    - use of or reliance on any content displayed on our site.

     

    In particular, we will not be liable for:

    - loss of profits, sales, business, or revenue;

    - business interruption;

    - loss of anticipated savings;

    - loss of business opportunity, goodwill or reputation; or

    - any indirect or consequential loss or damage.

  • We are not responsible for viruses and you must not introduce them

    We do not guarantee that our site will be secure or free from bugs or viruses.

    You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

    You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

  • Rules about linking to our site

    You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

    You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

    You must not establish a link to our site in any website that is not owned by you.

    Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

    We reserve the right to withdraw linking permission without notice.

    The website in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy below.

    If you wish to link to or make any use of content on our site other than that set out above, please contact info@avenueinsurance.co.uk.

  • Which country's laws apply to any disputes?

    These terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Cookie Policy

Our website uses cookies to collect information about you. By using our website you accept that we can use the cookies set out below

  • What are cookies?

    Cookies are small data files which are placed on your computer by this website and which collect certain personal information about you.

  • Why do we use cookies

    Cookies enable us to tailor our service offering (including our website) and to provide you with a better service.

  • What cookies do we use:

    Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website such as verifying the authenticity of submitted application forms. They do not gather information about you that could be used for marketing purposes or remembering where you've been on the Internet.

    Analytical/performance cookies. These cookies allow us to collect information about how you use our website, such as, how you move around our website and if you experience any errors. These cookies do not collect any information that could personally identify you; all of the information collected is anonymous and is only used to help us improve the way our website works, understand what interests you and measures how effective our marketing communications are.

    Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. They are linked to services provided by third parties, such as "Like" and "Share" buttons. The third party provides these services in return for recognising that you have visited our website.

    Some cookies may expire when you leave the website, but others may be more permanent or not expire unless you actively delete them. These cookies are used to tailor marketing to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They remember that you have visited a website and this information may be shared with other organisations such as advertisers. Although these cookies can track your visits to other websites, they don’t usually know who you are.

    Without these cookies, online advertisements you encounter will be less relevant to you and your interests.

  • How to turn cookies off

     

    If you want to turn off any of the cookies that we have in use, then you will need to change your website browser settings. All browsers provide tools that allow you to control how you handle cookies: accept, reject or delete them. These settings are normally accessed via the 'preferences' or 'options' menu of the browser you are using. (If you require more information on cookies and how to manage their storage on your computer, please visit allaboutcookies.org/manage-cookies/).

    Please be aware, if cookies are disabled our site will not function correctly. Generally, cookies which are strictly necessary for the operation of this website will expire when you leave the site, whereas analytical or targeting cookies will remain for longer periods unless actively deleted.

Acceptable Use Policy

This acceptable use policy sets out the content standards that apply when you upload content to our site, make contact with other users on our site, link to our site, or interact with our site in any other way.

  • Who are we and how to contact us

    www.avenueinsurance.co.uk is operated by Avenue Insurance Partners Limited. We are registered in England and Wales under company registration number 10322051 and our registered office address is First Floor, Equinox North, Great Park Road, Bradley Stoke, Bristol, BS32 4QL and its subsidiaries.

    We are authorised and regulated by the Financial Conduct Authority and our firm reference number is 771099.

    Should you wish to contact us, please email info@avenueinsurance.co.uk or 0203 795 2528.

  • By using our site you accept these terms

    By using our site, you confirm that you accept the terms of this policy and that you agree to comply with them.

    If you do not agree to these terms, you must not use our site.

    We recommend that you print a copy of these terms for future reference.

  • We may make changes to the terms of this policy

    We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.

  • Prohibited Uses

    You may use our site only for lawful purposes. You may not use our site:

    - In any way that breaches any applicable local, national or international law or regulation.

    - In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.

    - For the purpose of harming or attempting to harm minors in any way.

    - To send, knowingly receive, upload, download, use or re-use any material which does not comply with our Content Standards below.

    - To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).

    - To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

     

    You also agree:

    - Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of our Website Terms and Conditions above.

    - Not to access without authority, interfere with, damage or disrupt:

      - any part of our site;

      - any equipment or network on which our site is stored;

      - any software used in the provision of our site; or

      - any equipment or network or software owned or used by any third party.

  • Interactive Services

    Where we do provide any interactive service, we will provide clear information to you about the kind of service offered, if it is moderated and what form of moderation is used (including whether it is human or technical).

    We will do our best to assess any possible risks for users (and in particular, for children) from third parties when they use any interactive service provided on our site, and we will decide in each case whether it is appropriate to use moderation of the relevant service (including what kind of moderation to use) in the light of those risks. However, we are under no obligation to oversee, monitor or moderate any interactive service we provide on our site, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not.

    The use of any of our interactive services by a minor is subject to the consent of their parent or guardian. We advise parents who permit their children to use an interactive service that it is important that they communicate with their children about their safety online, as moderation is not fool proof. Minors who are using any interactive service should be made aware of the potential risks to them.

    Where we do moderate an interactive service, we will normally provide you with a means of contacting the moderator, should a concern or difficulty arise.

  • Content Standards

    These content standards apply to any and all material which you contribute to our site (Contribution), and to any interactive services associated with it.

    The Content Standards must be complied with in spirit as well as to the letter. The standards apply to each part of any Contribution as well as to its whole.

    Avenue Insurance Partners Limited will determine, in its discretion, whether a Contribution breaches the Content Standards.

    A Contribution must:

    - Be accurate (where it states facts).

    - Be genuinely held (where it states opinions).

    - Comply with the law applicable in England and Wales and in any country from which it is posted.

     

    A Contribution must not:

    - Be defamatory of any person.

    - Be obscene, offensive, hateful or inflammatory.

    - Promote sexually explicit material.

    - Promote violence.

    - Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.

    - Infringe any copyright, database right or trade mark of any other person.

    - Be likely to deceive any person.

    - Breach any legal duty owed to a third party, such as a contractual duty or a duty of confidence.

    - Promote any illegal activity.

    - Be in contempt of court.

    - Be threatening, abuse or invade another's privacy, or cause annoyance, inconvenience or needless anxiety.

    - Be likely to harass, upset, embarrass, alarm or annoy any other person.

    - Impersonate any person, or misrepresent your identity or affiliation with any person.

    - Give the impression that the Contribution emanates from Avenue Insurance Partners Limited, if this is not the case.

    - Advocate, promote, incite any party to commit, or assist any unlawful or criminal act such as (by way of example only) copyright infringement or computer misuse.

    - Contain a statement which you know or believe, or have reasonable grounds for believing, that members of the public to whom the statement is, or is to be, published are likely to understand as a direct or indirect encouragement or other inducement to the commission, preparation or instigation of acts of terrorism.

    - Contain any advertising or promote any services or web links to other sites.

  • Breach of this policy

    When we consider that a breach of this acceptable use policy has occurred, we may take such action as we deem appropriate.

    Failure to comply with this acceptable use policy constitutes a material breach of the Website Terms and Conditions upon which you are permitted to use our site, and may result in our taking all or any of the following actions:

    - Immediate, temporary or permanent withdrawal of your right to use our site.

    - Immediate, temporary or permanent removal of any Contribution uploaded by you to our site.

    - Issue of a warning to you.

    - Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.

    - Further legal action against you.

    - Disclosure of such information to law enforcement authorities as we reasonably feel is necessary or as required by law.

    - We exclude our liability for all action we may take in response to breaches of this acceptable use policy. The actions we may take are not limited to those described above, and we may take any other action we reasonably deem appropriate.

  • Which country's laws apply to any disputes

    These terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.