Privacy & Data Security for Spectrum Travel Insurance
This notice provides information about how we use and process the personal information that we collect about you in connection with the insurance services you obtain from us.
Citybond Holdings Ltd., trading as Spectrum Travel Insurance, is registered as a data controller with the Office of the Information Commissioner (ICO) which can be verified by contacting them. . We comply with the provisions of the Data Protection Act 1998 and all other legislation concerning the security of personal data. Should you wish to find out more about the Act and your rights in this area, please visit the ICO website at ico.org.uk.
Cookies & Internet data transfer
Our website contains such coding as required to establish a connection and transfer content between our website and your computer and to obtain information about the number of connections to it. This data may contain details such as your IP address, the kind of operating system and screen resolution you are using and the version of your internet browser. This information is used for the purposes of analysing the traffic to and through the website and for diagnosing errors. It does not contain any kind of data about you which may be classified as sensitive.
Our website uses ‘cookies’ which are small text files stored on your computer, to track navigation and remember data and preferences submitted by you. Cookies can often be disabled on your browser, though this may hamper your ability to effectively obtain a quote and purchase a policy from our website. All of our cookies automatically expire at the end of your session or after one month except where otherwise stated below or if cleared from your system before then.
For more information about cookies, you can visit www.allaboutcookies.org.
This is a full list of the cookies we use:
Reason we use it
|ASP.NET_SessionId||Collected by our server to maintain your session and manage time outs.|
|.ASPXAUTH||Used by our server to determine if the user is authenticated. No personal information is collected.|
|__cb0xqsd||Created at the end of order journey and used for some browser validation to prevent duplicate policy purchase.|
|agent; brandingname||These cookies are used to identify from which website you came to us. No personal information is collected.|
|__utma, __utmb, __utmc, __utmz, __utmv||These cookies are created by a company called Google Analytics which enables us to analyse the traffic coming to and moving through our website. No personal information is collected. Two of these cookies remain in effect for 2 years and one for six months.|
|userTK||Used to understand at what page you leave our website.|
|.MediaSource||Used to identify if you arrived at our site as a result of our advertising and how effective this marketing is. No personal information is collected. This cookie remains in effect for 90 days.|
|CampaignName||These cookies are created by us and this cookie enables us to identify the name of an advertising campaign which uses a pay per click marketing promotion. No personal information is collected and the cookie remains in place for the period of 1 month.|
Information we collect
We collect personal information (which may include data that are defined as sensitive such as answers to medical questions) which you give us when you use our services (either online or over the telephone). The provision of our services may also require us to store details of your transactions, together with certain details of your financial information. We will periodically review all personal information to ensure we do not keep it for longer than is necessary.
We may use your information for the following purposes:
- to enable you to access and use our services; and/or
- to personalise aspects of your customer experience; and/or
- to communicate with you (including marketing); and/or
- to process a transaction between you and a third party (such as auto-renewal of an annual policy).
Information we may provide to others
We will not knowingly disclose or pass on your personal data to anyone else except:
- in conjunction with our normal insurance operations and the administration of your insurance policy, such as to Insurers, claims handlers or emergency assistance companies; and/or
- as authorised by you; and/or
- as provided for in the Marketing section below; and/or
- as permitted or required by law to any regulator, auditor, public office, authorised monitor, governmental or law enforcement agency (such as for the purposes of fraud prevention).
Where data is passed to other companies, it is done so on the understanding that they will maintain compliance with the appropriate data security provisions, particularly where such companies are located outside of the European Economic Area (EEA).
We would like to keep you updated by phone, email SMS or text of other products and services which we feel you may benefit from. For example, we or our selected partners may email you with offers you may be interested in or a newsletter.
We may also use the information we collect to occasionally notify you about important functionality changes to our website.
Third parties may deliver some of our products to you, or provide all or part of the service requested by you. In these instances, while the information you provide will be disclosed to them, it will only be used for the administration of the service provided (including for example verification of any quote given to you and claims processing), underwriting and pricing purposes as appropriate, testing, and to maintain management information for business analysis.
We may use sensitive personal data collected in respect of one product to make automated decisions based on your answers to market other appropriate products to you.
If you purchase a policy from us or sign up for our newsletters or other correspondence, you agree that Citybond Holdings Ltd. may contact you, under any of our brands, with information or offer about our products. When you agree to receive any communications from us, you also agree to receive additional communications on products and services which we believe you may be interested in.
You may let us know your marketing preferences, enter a contest or prize draw or other sales promotion, or respond to a voluntary customer satisfaction survey. Some of these activities have additional terms and conditions, which could contain additional information about how we use and disclose your Personal Information, and we suggest that you read these carefully.
Unless or until you indicate otherwise, you consent to us disclosing the information you submit to other trading divisions of Citybond Holdings Ltd.
Any electronic communications we send you will include clear instructions to follow should you wish to unsubscribe. Where relevant, you can ask us to stop passing your information to third parties for marketing purposes at any time, which we will do.
Security of personal information
All personal information submitted is treated with the utmost confidentiality and with appropriate levels of security. Access to personal information is limited to those employees who have legitimate business needs for such information. We maintain physical, procedural and electronic safeguards to protect the privacy and confidentiality of your personal information.
We may monitor and record telephone calls in order to improve our service to you and to detect and prevent financial crime.
We utilise appropriate security systems to protect any financial transactions carried out on our website. Information, such as credit card details, is automatically protected using a Secure Socket Layer (SSL) between your computer and ours which prevents impersonation. Click on the padlock symbol at the bottom of the screen to reveal a registration certificate issued by a leading internet security company for us and/or the payment handling company. SSL also encrypts data from the time it leaves your computer until it reaches us, so there is almost no chance of your details being stolen or hijacked as it travels over the internet.
We do not, however, guarantee the security of your personal information when processed through the site and the internet and we cannot accept liability for loss or theft of your personal details when processed on the site and/or over the internet.
We take your privacy seriously and welcome any questions or comments regarding this policy or our approach to privacy generally. Please address any such queries to the details shown under ‘Contact Us’.
If you should wish to make a Subject Access Request under the provisions of the Data Protection Act, please contact the Compliance Officer at email@example.com. . Please note that we are entitled to charge an access fee of £10 for any such request.
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