PRIVACY POLICY

Osprey Insurance Brokers is committed to handling personal data responsibly and in full compliance with the UK GDPR. We ensure that data is processed lawfully, fairly, and transparently, with robust measures in place to prevent unauthorised access, accidental loss, destruction, or misuse. Access to personal information is restricted to relevant staff members only, and our systems and procedures are regularly reviewed to maintain appropriate security standards.

We have contracts in place with our service providers - including insurance companies, software providers, and other third-party suppliers - that define how personal data is processed. These agreements ensure compliance with GDPR requirements, including whether we act as a data controller or data processor in specific situations.

When acting as a data controller, Osprey Insurance Brokers determines the purposes and methods of processing personal data, including data collected on behalf of insurers and other service providers.

 We may collect personal data such as:

• Name, address, and contact details
• Date of birth
• Sensitive information, where necessary, such as health details, criminal convictions, or credit history
   

We may gather information from:

• Publicly available sources (e.g., social media or networking sites)
• Third-party databases, insurers, claims handlers, or credit reference agencies
• Past insurance policies and arrangements you provide to us

 Personal data is used for purposes including:

• Providing insurance quotations, arranging policies, and administering cover
• Handling claims and liaising with insurers or third parties
• Meeting legal or regulatory obligations
• Protecting vital interests of clients or third parties
• Supporting our legitimate business interests (e.g., market research, fraud prevention, internal analysis)
   

Automated decisions may occasionally be used to assess insurance eligibility. You have the right to object to automated processing; however, doing so may affect our ability to provide insurance.

When profiling data, we ensure:

• Transparency in how the process works and its impact
• Use of appropriate technical and statistical methods
• Safeguards against errors and discriminatory effects

 We share personal data only when necessary for:

• Arranging insurance or fulfilling contractual obligations
• Legal or regulatory compliance
• Protecting vital interests
• Legitimate business purposes or public interest tasks
   

Recipients may include insurers, finance providers, and other third-party service providers working on our behalf. Personal information is not shared outside these purposes without your consent.

 We retain personal data only as long as necessary:

• Standard retention for insurance and administrative purposes: 7–40 years
• For unconverted quotations: typically 12–18 months
   

All data is stored securely, regularly reviewed, updated, or deleted if no longer required, in compliance with UK GDPR standards.

 Sensitive data includes:

• Health information
• Criminal or motoring convictions
• Ethnic, religious, or similar personal characteristics
   

Additional security measures protect this data, including access restrictions and encryption where appropriate.

Osprey Insurance Brokers does not knowingly transfer personal data outside the European Economic Area (EEA) without appropriate safeguards. Any required transfers are conducted in compliance with GDPR standards to ensure continued protection. 

 Our website uses cookies to improve functionality and user experience. Cookies help us remember preferences and enable the services offered online. You will be asked to consent to cookies upon visiting the site, and you may manage your preferences at any time. 

 You have the right to:

• Request access to your personal data (Subject Access Request)
• Correct inaccurate or incomplete data
• Request deletion of data where no longer required
• Restrict processing under certain circumstances
• Object to specific uses of your data, including marketing
• Withdraw consent at any time
• Lodge a complaint with the Information Commissioner’s Office
   

Data can be requested in a portable format (e.g., CSV) to ensure ease of transfer between organisations.

Contact:

Email:  rob@ospreyinsurancebrokers.co.uk
Address: Osprey Insurance Brokers, 9 Kirkwood Close, Aspull, Wigan, WN2 1DZ

 We may contact you to inform you about:

• New products or services
• Trials or promotions
• Competitions or rewards
   

Marketing communications are sent only with your consent, which can be withdrawn at any time. Business communications comply with PECR regulations.

 Aggregated or anonymised data may be used for market research, analytics, and improving our services. Personal data from past insurance arrangements may also be used for statistical analysis in line with GDPR compliance.