Privacy Statement

This Privacy Statement is provided by Kingsbridge Risk Solutions Ltd (referred to as "us", "our" or "we" in this statement) for the information of visitors (referred to as "you" or "your" in this statement) to our web site. We are committed to protecting and respecting your privacy. This statement sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

You will appreciate that this statement will need to change over time. We will post changes to this page when such changes are necessary.

1. Governing Law

The information contained in this Privacy Statement shall be governed by and construed in accordance with English law and be subject to the exclusive jurisdiction of the English courts.

2. Who are we?

This web site is owned and controlled by Kingsbridge Risk Solutions Ltd of:
The Old Smithy
Stockton’s Courtyard
Overbury, Gloucestershire
GL20 7NT
Telephone: 0845 643 0061
E-mail address: info@KPSol.co.uk

Kingsbridge Risk Solutions Ltd is registered in England and Wales. The company registration number is 4122238. The registered office of the company is The Old Smithy, Stockton’s Courtyard, Overbury, Gloucestershire, GL20 7NT.

3. Financial Services Authority

Kingsbridge Risk Solutions Limited is Authorised and Regulated by The Financial Services Authority.

4. Data Protection Act 1998 (the "Act")

For the purposes of the Act, the data controller is Kingsbridge Risk Solutions Ltd of The Old Smithy, Stockton's Courtyard, Overbury, Gloucestershire, GL20 7NT. We are registered under, and process personal data in accordance with, the United Kingdom's data protection laws.

5. Information we may collect from you

We may collect and process the following data about you:

• Information that you provide by filling in forms on our site www.KPSol.co.uk ("our site"). This includes information provided at the time of purchasing a policy or requesting further services. We may also ask you for information when you report a problem with our site.
• If you contact us, we may keep a record of that correspondence.
• Details of the transactions you carry out through our site and of the fulfillment of these.
• If you complete a survey or enter a contest. You are under no obligation to complete such surveys or enter such competitions.
• We also collect demographic and profile data on our site. This information may be combined with other forms of information to permit us to bring together, in aggregate form, information about the people who use our web site. Such information will enable us to understand, in general terms, user preferences in relation to the content of the web site and the effectiveness of our advertising

6. Information that is automatically logged

When you enter our web site, we use your Internet protocol ("IP") address to help diagnose problems with our server and to administer our web site . We also have the ability to know what type of operating system and browser software you use and to identify the geographical location of your browser. Your IP address is also used by us to gather broad demographic information and for other purposes, such as monitoring visitor frequency.

7. Cookies

You may be aware that there is a technology called "cookies". This is a file that is transferred from the web site to the hard drive of your computer. We use cookies to track your activities on our web site. A cookie does not allow us to obtain information of a personal nature that could be used to identify you, such as your name and address. We will only be aware of such information if you provide the information to us or you have set the preferences in your browser to provide this information automatically.

You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. However, if you select this setting you may be unable to access certain parts of our site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to our site.
Please note that our advertisers may also use cookies, over which we have no control.

8. What we do with the information we collect

• To ensure that content from our site is presented in the most effective manner for you and for your computer
• To provide you with information, products or services that you request from us
• To carry out our obligations arising from any contracts entered into between you and us
• To notify you about changes to our service
• If you have purchased insurance cover, we will disclose information held about you to the insurer providing the insurance cover and to Premium Credit Limited of Premium Credit House, 60 East Street, Epsom, Surrey, KT17 1HB who provide the credit facilities that you will utilize in relation to paying the premium for the insurance policy
• We may engage a third party to assist us in relation to the site, for example, to provide us with website hosting services. If necessary, we will pass your information to that third party. However, we will control and be responsible for the use of your information at all times
• You have the option on the relevant order form to indicate whether you wish to receive promotional e-mails about the services that we and our advertisers offer. We will not send you any such promotional e-mails unless you indicate your agreement to receive such information
• Any information that is gathered from visitors to or customers of this site is not sold, made available to, or otherwise distributed to third parties (other than the relevant insurer and Premium Credit Limited where applicable) for any purpose unless you give us permission to do so
• The information in aggregate form permits us to carry out an analysis of user behaviour in general. This allows us to measure overall interest in our site and to help us develop the site to make it more interesting in general terms. We will also be able to inform advertisers how many users have clicked on to the various advertisements displayed on our site. The analysis we perform does not include any personal information provided by you. We merely use the aggregate form of the information for these

9. How your information is stored

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area ("EEA"). It may also be processed by staff operating outside the EEA who work for us or for one of our participating insurers. Such staff maybe engaged in, among other things, the fulfillment of your order, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted.

Unfortunately the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

10. Disclosure of information

• We share information in aggregate form with advertisers and other partners

We may disclose your personal information to third parties:

• In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets
• If Kingsbridge Risk Solutions Limited or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets
• If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce our Terms of Business and other agreements; or to protect our or that the rights, property, or safety of our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction

11. Your rights

You have the right to ask us not to process your personal data for marketing purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us.
Our site may, from time to time, contain links to and from the websites of our advertisers. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

12. Telling you what information we hold about you

The Act gives you the right to access information held about you. If you wish to know what information we hold about you, please contact us. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.

13. Removing and correcting information

If you request the removal of your personal information from our database or you wish us to amend or change the information we hold about you on our database, we will remove or amend any such information on your contacting us to request such a change.

14. Updating data

Should any of the information you have previously provided to us change, please contact us and we will update your records.

15. Contact us

If you have any questions about this privacy statement, about how we run the site or concerning your dealings with our web site, please send an e-mail to us at info@KPSol.co.uk