Covertxt UK Ltd is committed to keeping your information private. You can visit our website without telling us who you are or revealing any information about yourself. However, if you give us any personal information about yourself or others we promise to treat it securely, fairly and lawfully. By ‘your information’ we mean any information about you that you or third parties provide to us.
When we ask you for personal information online it will only be in response to you actively applying for or using one of our online products or services.
If you are giving us information for the first time we shall explain the purposes for which we shall use it.
Information we collect from you
We may collect and process the following data about you:
- When applying for a product we will ask you to provide some information about yourself for security, identification and verification purposes
- When completing any forms, we will always tell you how your information will be used in relation to the product or service you are applying for within the declaration and in any associated terms and conditions
- When you provide any information about others (eg for a joint account) you must ensure that you have their consent or are otherwise entitled to provide the information to us
We will retain information collected about you for as long as permitted for legitimate business purposes in accordance with the General Data Protection Regulation
When we may share your information
We will always treat your personal information as private and confidential, but may share it within the company and outside Covertxt UK Ltd if:
- Allowed by this agreement
- You, as our customer, give us your consent
- Needed by our agents, advisers or others involved in running accounts and services for you or collecting what you owe to Covertxt UK Ltd
- Needed by third parties to help us manage any claims you may make
- HM Revenues and Customs or other authorities that require it
- The law, regulatory bodies, or the public interest permits or requires it
- Required by us or others to investigate or prevent crime
- To any other parties connected with your account
Your personal information will be passed to the underwriter, Oasis Cover Ltd and the insurer, China Taiping Insurance (UK) Ltd, for the provision of this contract in compliance the General Data Protection Regulation. Details of their Privacy Notice can be found at http://oasispl.com/privacy-and-cookies or https://uk.cntaiping.com/uk-privacy/.
Sharing your information to assist with asset buying or selling
Covertxt UK Ltd may in the future wish to sell, transfer or merge part or all of their business or assets, or any associated rights or interests, or to acquire a business or enter into a merger with it. If so, they may disclose your personal information to a potential buyer, transferee, or merger partner or seller and their advisers so long as they agree to keep
it confidential and to use it only to consider the possible transaction. If the transaction goes ahead, the buyers, transferee or merger partner may use or disclose your personal information in the same way as set out in this notice.
If you are providing us with another individual’s (such as a joint applicant) personal information, then you should not do so unless you have received their permission. Where information you have provided about someone else, or where someone has disclosed information about you, we may add it to the information we already possess, and it will be used as described in this privacy notice.
Using fraud prevention agencies
We have systems designed to protect ourselves and our customers against fraud and other crime. We are able to utilise customer information as a tool to prevent crime and trace those responsible. We will also share your personal information from your application with fraud prevention agencies as well as law enforcement agencies if they require it. We may also access and use this information to prevent fraud and money laundering, for example, when:
- Recovering debt
Undertaking anti-money laundering checks
In order to comply with anti-money laundering regulations, we may be required to confirm (or reconfirm) the name and address of our customers. We may also share this information with other areas within Covertxt UK Ltd.
Using your details for service contact
Ensuring we deliver excellent customer service is extremely important to us as a business, and to do this various method of communication may be used when we are required to contact you. The majority of the time, such correspondence will be made up of letters, phone calls, or emails.
Recording phone calls
We may also monitor or record phone calls with you in order to ensure we have carried out your instructions correctly, resolve queries or issues, to improve our quality of service, for regulatory purposes and also to help prevent or detect fraud or other crimes. We may also record conversations for employee training purposes.
Using your personal data
The General Data Protection Regulation puts obligations on users of personal data and lays down principles for its use. Information has to be processed fairly and lawfully. This means that you are entitled to know how we intend to use any information you provide. You can then decide whether you want to give it to us.
The General Data Protection Regulation obliges organisations to lodge a notification with the Information Commissioner describing the purposes for which they process personal information. The details are publicly available from the Commissioner's office at: