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Privacy Policy

Introduction

This Privacy Policy explains how Konsileo (“we”, “our”, “us”) collects, processes, stores, and protects your personal data in compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

We are committed to safeguarding your personal data and ensuring transparency regarding how we use it.

Company Name: Konsileo (Trading) Ltd and/or Konsileo Ltd
Registered Office Address: 1 Great Tower Street, London EC3R 5AA
Data Protection Contact: operations@konsileo.com

If you have any questions about this policy or your rights under data protection laws, please contact our Data Protection Officer (DPO) at operations@konsileo.com.

What Personal Data We Collect

We may collect and process the following types of personal data:

  • Identity Information: Name, title, date of birth
  • Contact Information: Address, telephone number, email address
  • Financial Information: Bank account details, payment details
  • Policy & Claims Information: Insurance policies, claims history
  • Special Category Data (if applicable): Health data, criminal records (for insurance purposes)
  • Technical Information: IP address, browser type, cookies (see section on Cookies)

We may also collect data from third parties, such as insurers, brokers, credit agencies, and fraud prevention organisations.

Legal Basis for Processing Data

We process your personal data under the following legal bases:

  1. Performance of a contract – To arrange and manage your insurance policies, process claims, and handle payments.
  2. Legal obligation – To comply with regulations, such as identity verification, fraud prevention and financial record keeping.
  3. Legitimate interests – To maintain records, handle disputes, and communicate with customers.
  4. Consent – Where required, such as for marketing purposes.
  5. Insurance-specific legal basis – Where special category data (e.g., health data) is processed for an insurance-related purpose.

How We Use Your Data

We collect and use personal data for the following purposes:

  • To provide insurance services, including obtaining quotes, issuing policies, handling claims, and servicing policies.
  • To comply with legal and regulatory obligations, such as fraud prevention.
  • To process payments or arrange premium financing.
  • To verify identity and assess credit worthiness.
  • To improve our website and customer experience through analytics and tracking (see section on Cookies).
  • To send marketing communications, where consent is provided.

If automated decision-making is used (e.g., risk assessments by insurers), you have the right to request manual review.

Who We Share Your Data With

  • To provide our services, we, and managing general agents (MGAs) to obtain quotations and arrange policies.
  • Claims handlers, adjusters, assessors and claims management firms to manage claims.
  • Regulatory authorities, such as the Financial Conduct Authority (FCA) or law enforcement (if required).
  • Technology service providers, such as cloud storage and IT security providers.
  • Marketing and analytics partners, where consent is given.
  • Financial institutions, such as premium finance providers and credit reference providers.

We ensure that all third parties comply with data protection laws.

International Data Transfers

We do not transfer your personal data outside the UK/EEA, except where:

  • It is necessary for the performance of a contract (e.g., working with international insurers).
  • Appropriate safeguards are in place, such as Standard Contractual Clauses (SCCs) or adequacy decisions.

How Long We Retain Your Data

We retain personal data for different periods, depending on legal and operational needs:

  • General insurance policies – Retained for 7 years after the policy expires.
  • Claims data – Retained longer if a claim can still arise after policy expiration.
  • Marketing data – Retained until you opt out or withdraw consent.
  • Financial records – Retained as required by tax laws.

After these periods, data is securely deleted or anonymised.

Your Rights Under UK GDPR

Under UK GDPR, you have the following rights:

  1. Right to Access – Request a copy of your data.
  2. Right to Rectification – Correct inaccurate or incomplete data.
  3. Right to Erasure (‘Right to be Forgotten’) – Request deletion of your data, subject to legal requirements.
  4. Right to Restrict Processing – Ask us to limit processing.
  5. Right to Data Portability – Request your data in a machine-readable format.
  6. Right to Object – Opt out of direct marketing or certain processing.
  7. Right to Withdraw Consent – If processing is based on consent.
  8. Right to Complain – Raise complaints with the Information Commissioner’s Office (ICO).

To exercise your rights, contact our Data Protection Officer at operations@konsileo.com

Cookies & Tracking Technologies

We use cookies to enhance your browsing experience. These include:

  • Essential cookies – Required for website functionality.
  • Analytics cookies – To track site usage.
  • Marketing cookies – For targeted ads (only with consent).

You can manage cookie settings through our website.

Marketing & Opt-Out

  • We may send promotional emails or newsletters about relevant insurance products.
  • You can opt out at any time by clicking “unsubscribe” in emails or contacting us at marketing@konsileo.com

Data Security Measures

We implement technical and organisational measures to protect your data, including:

  • Encryption of sensitive data.
  • Access controls and authentication procedures.
  • Regular security audits and staff training.
  • Data Security Policy in case of data breaches.

If a data breach occurs, we will notify affected users and the ICO as required by law.

Complaints & Contact Information

If you have concerns about how we handle your data, contact:

Data Protection Officer
Konsileo (Trading) Ltd and/or Konsileo Ltd
1 Great Tower Street, London EC3R 5AA
Email: operations@konsileo.com

If you are dissatisfied with our response, you have the right to contact the Information Commissioner’s Office (ICO) at:

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Website: www.ico.org.uk

We will update this Privacy Notice when necessary to reflect customer feedback and changes in our products and services. When we post changes to this statement, we will provide a prominent notice on the website if the changes are significant. We will also keep prior versions of this Privacy Notice in an archive for your review. We will not reduce your rights under this Privacy Notice without your consent.