inline-logo

Search this site

    Privacy Policy

     

    1.1 Optio Group Limited understands that your privacy is important to you and that you care about how your Personal Data is used and shared online. We respect and value the privacy of everyone who visits this website, www.optiogroup.com (“Our Site”) and will only collect and use Personal Data in ways that are described here, and in a manner that is consistent with Our obligations and your rights under the law.


    1.2 Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of Our Privacy Policy is deemed to occur upon your first use of Our Site. If you do not accept and agree with this Privacy Policy, you must stop using Our Site immediately.


    2. Definitions and Interpretation


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


    2.2 “Cookie” means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in our Cookie Policy;


    2.3 “Personal Data” means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the UK Legislation; and


    2.4 “UK Legislation” means the Data Protection Act 2018 and UK General Data Protection Regulation. Together these laws are referred to in this policy as the UK Legislation.


    2.5 “We/Us/Our” means Optio Group Limited.


    3. Information About Us


    3.1 Our Site is owned and operated by Optio Group Limited, a limited company registered in England under company number company number 11032254, whose registered and trading address is 10th floor, 1 Minster Court, Mincing Lane, London, EC3R 7AA, United Kingdom.


    3.2 Optio Group Limited is the holding company for:


    3.2.1 Ascent Underwriting LLP, a registered Lloyd’s Coverholder;


    3.2.2 Brockwell Capital Limited, a registered Lloyd’s Coverholder;


    3.2.3 Cove Programs Insurance Services, a US General Agency;


    3.2.4 Northcourt Limited, a registered Lloyd’s Coverholder;


    3.2.5 Optio Europe Brokers Limited, a Maltese regulated insurance intermediary;


    3.2.6 Optio Re Mena Ltd, a Dubai-based Coverholder and insurance broker;


    3.2.7 Optio Risk Services Ltd, a registered Lloyd’s insurance broker; and


    3.2.8 Optio Underwriting Ltd, also trading as Cove Program Underwriting, a registered Lloyd’s Coverholder.


    4. What Does This Policy Cover?


    4.1 This Privacy Policy applies only to your use of Our Site.


    4.2 Our Site may contain links to other websites. Please note that We have no control over how your data is collected, stored, or used by other websites and We advise you to check the privacy policies of any such websites before providing any data to them.


    5. Your Rights


    5.1 As a data subject, you have the following rights under the UK Legislation, which this Policy and Our use of Personal Data have been designed to uphold:


    5.1.1 The right to be informed about Our collection and use of Personal Data;


    5.1.2 The right of access to the Personal Data We hold about you (see section 11);


    5.1.3 The right to rectification if any Personal Data We hold about you is inaccurate or incomplete. It is important that your Personal Data is kept accurate and up-to-date. If any of the Personal Data we hold about you changes, please contact Us using the details in section 14;


    5.1.4 In certain circumstances, you have the right to be forgotten – i.e. the right to ask Us to delete any Personal Data We hold about you (We will only hold your Personal Data for a limited time, but if you would like Us to delete it sooner, please contact Us using the details in section 14);


    5.1.5 The right to restrict (i.e. stop) the processing of your Personal Data;


    5.1.6 In certain circumstances, you have the right to data portability (obtaining a copy of your Personal Data to re-use with another service or organisation);


    5.1.7 In certain circumstances, you have the right to object to Us using your Personal Data;


    5.1.8 In certain circumstances, you have the right not to be subject to a decision based solely on automated processing, including profiling; and


    5.1.9 The right to withdraw consent – i.e. if we are relying on your consent as the legal basis for using your Personal Data, you are free to withdraw that consent at any time.


    5.2 For further information about your rights in respect of Our use of your Personal Data or if you have any cause for complaint about Our use of your Personal Data, please contact Us using the details provided in section 14 and We will endeavour to solve the problem for you.


    5.3 Should you feel that We have not handled your Personal Data in line with the requirements of the UK Legislation you also have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s Office.


    6 What Data Do We Collect?


    6.1 Depending upon your use of Our Site, We may collect some or all of the following Personal Data (please also see Our Cookie Policy on Our use of Cookies and similar technologies):


    6.1.1 email address,


    6.1.2 first name,


    6.1.3 last name, and


    6.1.4 any other Personal Data that you may volunteer.


    7. How Do We Use Your Data?


    7.1 Our use of your Personal Data will always have a lawful basis. Specifically, We may use your data for the following purposes:


    7.1.1 Replying to emails from you. For this Our lawful basis is Our legitimate interest in communicating with you;


    7.1.2 Supplying you with emails that you have opted into (you may unsubscribe or opt-out at any time by clicking the unsubscribe link provided in the email). For this Our lawful basis is your consent;


    7.1.3 Analysing your use of Our Site and gathering feedback to enable Us to continually improve Our Site and your user experience. For this Our lawful basis is Our legitimate interest is improving Our Site;


    7.1.4 With your permission and/or where permitted by law, We may also use your data for marketing purposes which may include contacting you by email; telephone; text message; post with information, news and offers on Our services. For this Our lawful basis is your consent. We will not send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with Our obligations under the UK Legislation and the Privacy and Electronic Communications (EC Directive) Regulations 2003;


    7.1.5 Where you are in a contract with Us, we may use your Personal Data to supply Our services to you. For this Our lawful basis is Our contract with you; and


    7.1.6 Where you have volunteered Personal Data for a particular purpose. For this Our lawful basis is your consent.


    8. How Long Do We Keep Your Data?


    8.1 Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard data collected through Our Site. All Personal Data is stored securely, and for no longer than is necessary for the purposes for which it was processed.


    8.2 Personal Data will be kept in accordance with our Data Retention Schedule. Afterwards we will delete the data within a reasonable timeframe.


    8.3 If you would like more information about how long we will keep your Personal Data for, please contact Us using the details provided in section 14.


    9. Do We Share Your Data?


    9.1 In certain circumstances, We may share some of your data as outlined below.


    9.1.1 We may be legally required to share certain data held by Us, which may include your Personal Data, for example, where We are involved in legal proceedings, where We are complying with legal and/or regulatory obligations, a court order, or a governmental authority.


    9.1.2 We may share your data within the group of companies of which we are a part. Where this involves the transfer of Personal Data outside the UK, our group ensures that Personal Data is safeguarded, either by UK government Adequacy Regulations (also known as Data Bridges), the EU-US Data Privacy Framework with the UK extension (known as the UK-U.S. Data Bridge) or the UK International Data Transfer Agreement. These safeguards require that the third-parties provide data protection to standards similar to those in the UK.


    10. What Happens If Our Business Changes Hands?


    10.1 We 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 Our business. Any Personal Data that you have provided will, where it is relevant to any part of Our business that is being transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use that data only for the same purposes for which it was originally collected by Us.


    10.2 In the event that any of your data is to be transferred in such a manner, you will be contacted in advance and informed of the changes. When contacted you will be given the choice to have your data deleted or withheld from the new owner or controller.


    11. How Can You Access Your Data?


    11.1 You have the right to ask for a copy of any of your Personal Data held by Us. This is known as a “Subject Access Request”. Under the UK Legislation, a fee is normally not payable and we will usually provide the requested information free of charge. Please contact Us for more details using the contact details below in section 14.


    11.2 All subject access requests should be made in writing and sent to the email or postal addresses shown in section 14. To make this as easy as possible for you, a Subject Access Request Form can be made available for you to use. You do not have to use this form, but it is the easiest way to tell us everything we need to know to respond to your request as quickly as possible.


    11.3 We will respond to your subject access request within 1 month of receiving it. Normally, we aim to provide a complete response, including a copy of your Personal Data within that time. In some cases, however, particularly if your request is more complex, more time may be required up to a maximum of three months from the date we receive your request. You will be kept fully informed of our progress.


    12. Our Use of Cookies


    12.1 Please see Optio’s Cookie Policy.


    13.  Changes to Our Privacy Policy


    13.1 We may change this Privacy Policy from time to time (for example, if the law changes). Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up-to-date.


    14. Contacting Us


    14.1 If you have any questions about Our Site or this Privacy Policy, please contact Us by emailing DPO@optiogroup.com, by telephone on 0203 859 2151, or by post at 10th floor, 1 Minster Court, Mincing Lane, London, EC3R 7AA, United Kingdom.


    14.2 Please ensure that your query is clear, particularly if it is a request for information about the Personal Data We hold about you