This website is owned by Liberty Insurance Brokers Limited and its content is provided to Liberty Insurance Brokers Limited by Liberty Asset Management and all copyright content belongs exclusively to LIB Asset Management Limited under licence for exclusive use by Liberty Insurance Brokers Ltd and its subsidiaries, details of which are available on the website (as may be amended from time to time).
Liberty Insurance Brokers Ltd together with Liberty Asset Management are responsible for the content and its arrangement though any views and opinions contained herein must be confirmed in writing to Liberty Insurance Brokers Ltd to establish ownership due to likelihood that News Content, News Postings, blogs, social media opinions/content and third party hosting could each independently give rise to comments or opinions that become embedded in this website though are not necessarily opinions or comments whose views are those of Liberty Insurance Brokers Ltd or Liberty Asset Management (LIB Asset Management Ltd) or their respective employees, agents, company stewards or shareholders.
What are cookies?
To enable full functionality, and for us to constantly improve it, we need to store a small file (called a cookie) on the device you are using to browse the site. Almost every website in the world does this, however, since 25 May 2011, by law we have to get your permission first.
Cookies are regularly used to record certain aspects of your visit to a site, such as preferences you’ve set or choices you have made throughout the duration of your visit.
Analysis of these cookies means we can improve your visit by tailoring the content of our website so that you will see services or adverts that we think may be more relevant to your visit.
Analysing cookies: Keeping your personal information safe
The cookies we use DO NOT store personal information such as your name, phone number, address, email or similar, in a format that can be read by others. Furthermore, the cookies we use are unable to interrogate your web-enabled device to obtain information about you or other users of your device or read any information stored on the device.
The cookies we use will however store anonymous encrypted information relating to your account username and/or password that is used for subsequent visits to the website using the same device as the cookies are stored on. The cookies will typically log your IP address and session information, such as how long you visited and the type of browser used. The encrypted information stored as cookies on your device will be owned by and can only be read by Liberty Insurance Brokers Ltd and partners that it has agreed to share information with, for example IT providers who assist with interpreting these cookies for system administration and to provide statistics and insurers who may use plug-in applications that use our website to offer their particular product or service through.
Links on this website to websites provided by other organisations
Our website will contain both direct and indirect links to a variety of other websites. A Direct link will usually be in the form of an alternative website address access by clinking on a particular section of our website.
An indirect link will usually be in the form of suggesting another website where no link is provided. For example, referring to a particularly useful subject link of another website we feel will be of interest to the user.
If you use either the direct or indirect link which takes you from our website to another website, please be aware that the website provider should have their own privacy and cookie policies for the site. It is impractical for our organisation to monitor all the direct and indirect links which can change on a frequent basis and we therefore recommend you remain vigilant and read the policies of these websites as we shall not be responsible or liable for any aspect of your device accessing the site not owned or under the control of Liberty insurance Brokers Ltd.
Whilst every effort will be made to ensure only reputable links are provided, the nature of cyber crime means that users could inadvertently arrive at unreliable websites and users are therefore reminded to remain vigilant.
Types of cookie used
These cookies have specific names which can frequently change though all cookies generally have an expiry date.
Details of the cookie names, cookie type and expiry period can be found by visiting Google Analytics for further detailed information.
Content Management system Cookies
The cookies used by this software assist with displaying our website content and will remember selections or preferences you have chosen on visits by your device.
These cookies are used by search engines and allow a browser to save results to a shortlist for later access and viewing.
Embedded videos within the website will assist with remembering selections and auto settings to assist with playback of video footage.
Changing your cookie settings to switch off cookies
The web browser on your device will provide management of settings so you can switch off cookies. When cookies are turned off then you will not have full functionality or access to all of the services on this website and some sections of the site will no longer work properly.
Every effort is made to list and describe the cookies we use on this website. However, you can refuse to accept cookies being placed on your device or tell your web browser to inform you each and every time that a website tries to set a cookie.
For more information about cookies (which includes information on how to turn cookies off and change settings) please visit the web site: www.allaboutcookies.org
Liberty Insurance Brokers Ltd are committed to complying with all relevant data protection legislation including the Data Protection Act 1998 and the Privacy and Electronic Communications Regulations 2003, related EC Directives – 2002/58/EC and 2009/136/EC and the Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2011.
WHY YOUR PERSONAL DATA IS OBTAINED
Web browsing experiences will often benefit when you consent to allowing our site to store cookies on your computer. This may speed up browsing, and will often allow relevant information to be displayed in priority to other information we feel may not be as relevant to you.
The browsing activity will also help us to analyse which pages are most popular and which pages are not popular and therefore possibly unnecessary on our website.
Overall, and in general, our main purpose will be to analyse web traffic in order to make the website a better experience for browsers/users of our website.
We will provide an option to opt-out of this data collection for users who do not wish to contribute to our web development programme, but we would hope that users would be willing to help us provide better browsing experiences where possible. To exercise this right, users are directed to our cookies policy and in particular, information regarding how to turn cookie’s off for your particular web browsing device/tool.
HOW YOUR PERSONAL DATA IS OBTAINED
We may collect, process and store the following data about you (which may include personal data and/or sensitive personal data):
*) Information collated from completing an on-line form on the website or from responding to a request for additional information, such as instances where you may report a problem with the website.
*) Further examples include instances that give rise to you completing surveys that are used for research purposes including us benchmarking your experience of visiting our website on occasion. In most instances you will not be required to respond to these surveys.
*) If you contact Liberty Insurance Brokers Ltd and/or their subsidiaries, then we may keep a record of the communication as all communications may be recorded or monitored to improve our service and for security and regulatory purposes. Any such correspondence with our offices will not be protected by legal privilege and the firm will have a duty of disclosure to insurers or third parties of any relevant information.
*) Liberty Insurance Brokers Ltd have a policy of not recording calls where data capture includes collecting bank debit/credit/charge card details to process payment for a particular product or service. This is for your safety to ensure your personal bank card details cannot be stored in a retrieval type medium exposing the security of your personal card details. This does not always extend to bank account details, such as sort codes and account numbers that are not considered as requiring the same amount of protection as bank cards. Where possible we shall avoid recording this data. However, where this data (bank account number, sort code and account name) is collected and stored in a retrieval type medium Liberty Insurance Brokers will endeavour to ensure the data remains encrypted and password protected with limited access. If you feel your personal details have been breached in any way our advice would be to advise your bank whilst changing your bank details with immediate effect and without delay. If you feel this exposure has been the fault of Liberty Insurance Brokers Ltd or any of its subsidiaries, then you are entitled to contact our regulator, The Financial Conduct Authority who will provide further guidance of the organisations who regulate personal data in the financial services sector.
*) When visiting the website, details of the visit to the website which include but are not limited to service provider, web browser type, location data, device data, traffic data, weblogs and other communication. This list of communication forms is non exhaustive due to the nature of emerging technology that can be deployed.
*) Your personal details such as your name, company name, contact details, telephone numbers, email addresses and password. This information may be required to provide you with access to this website and to provide us with a way we are able to identify you or verify your identity. In some cases this may extend to personal details such as a driving licence number or passport number or similar personal data that assist with providing you with an identifiable service or to help us comply with the money laundering regulations.
HOW YOUR PERSONAL DATA IS USED
Some instances have been expanded upon in the section entitled “HOW YOUR PERSONAL DATA IS OBTAINED“ as this was the most appropriate description to expand how we might use your personal data in particular instances.
Information we are provided with either through the website, through other communication methods or from a third party or directly from you using these or any combination of these methods where the information is about you (which may include personal data and/or sensitive personal data) will only be used for the following purposes (and subject to any preferences you have notified us of):
*) We may share your personal data between Liberty Insurance Brokers Ltd and their associated companies who may contact you using email, text messaging, surface mail, air mail, or other electronic messaging service with offers of services and products and any other information which we feel may be of interest to you. By providing us with your contact details you consent to being contacted by these methods without restriction on frequency and to our using your personal information for these purposes. Please contact Liberty Insurance Brokers Ltd if you do not wish to receive any marketing information from us or carefully selected companies.
*) All data collected (which can include personal data and/or sensitive personal data) will be retained and may be disclosed without legal privilege in order to satisfy and comply with our regulatory obligations and any legal duty