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Privacy Notice

 

Overview of Privacy Notice

At British Caribbean Insurance Company Limited (BCIC) we are aware of the trust you place in us when you buy our products and our responsibility to protect your information. This Privacy Notice [“Notice”] describes how we use information about you, who we share it with, and how we protect it. We will tell you how we use your information to improve the service we provide to our customers.

 

Our website, mobile applications and other electronic based functions (“web system”) may contain links to third party sites not controlled by BCIC or covered by this Privacy Notice. We recommend that you check the privacy statement of other sites you visit before providing any personal information.

 

  • Why we need your information
  • How do we use your information online
  • Do we share your information
  • Do we use cookies or other online technologies to collect information about you
  • How you can change or update your information
  • Will we make changes to this Privacy Notice?
  • Keeping you informed
  • Security

 

 

Why we need your information

We will use your information to give you quotations, and manage your insurance policy, including underwriting and claims handling. Your information comprises all the details we hold about you and your transactions and includes information we obtain about you from third parties. We will only collect the information we need so that we can provide you with the service you expect from us.

 

 

What Information do we collect from you?

We collect personal information about you from the information you provide to us when you visit our web system.The information may include:

 

 

  • name,
  • address,
  • tax registration number (TRN),
  • telephone number,
  • BCIC policy number,
  • email address, and
  • date of birth.

 

How do we use your information?

We use your information to process your request for services or products. For example, if you complete a BCIC quote form, we may use the information you provide to develop an accurate quote for you. We may also use the information we collect for analytic purposes, market research or for marketing purposes, as allowed by law.

 

Do we share your information?

During the course of our dealings with you we may share some of your information with other insurers, reinsurers, credit reference entities, fraud and law prevention agencies and other companies that provide service to us or you, to:

 

  • assess financial and insurance risks
  • recover debt
  • prevent and detect crime
  • develop our products, services, systems and relationships with you
  • understand our customers’ requirements
  • rating and pricing.

 

We may also share your information with non-affiliates for analysis, market research and marketing purposes, as allowed by law.

 

We may disclose your information as otherwise permitted or required by law.

 

Any company with which we share information about you for the above purposes is contractually required to apply the same levels of protection, security and confidentiality we apply. However, such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations.

 

Do we use cookies or other online technologies to collect information about you?

When you browse or visit our web system, we may store certain information on our computer. This information may be in the form of a small text file called a "cookie" and can help us to tailor our web system to your individual preferences and save you time if you visit our web system again. Where specific programs associated with our web system require a user ID and password, you have the option of requesting that we save your user ID and password so that you will not have to re-enter that information the next time you access our web system. This is accomplished by the placement of a cookie on your computer.

 

We may also use cookie technology or other online tracking technologies, like web beacons, to gather information about your visit to our web system. This information allows us to measure web system activity and to improve your experience on our web system and may include the time and length of your visit, the web pages you look at on our web system, the website/s you visited just before coming to ours and your internet services provider. If we provide you a link from our web system to another site, we may track the fact that you navigated to that other site from ours, and we may track your activity while on that site. This will help us understand which links are helpful to you when you visit our web system, and will help us provide you with links that may be of interest to you, when you visit our web system again.

 

How you can change or update your information

If you have questions about information you provided on our web system, please call us at 1888-224-2467 or email us at info@bcicjamaica.com, so that we may assist you.

 

Will we make changes to this Privacy Notice?

This Notice is effective July 1, 2014. We reserve the right to alter this Notice at our discretion. Any change to this Notice will be posted on our web system in a timely manner.

 

Keeping you informed

From time to time we may contact you with special offers or suggest products which may be of interest to you. If you would like not to receive any of these updates you can ask us to stop at any time. You can do that by simply calling us at 1888-224-2467 or by sending us an email at info@bcicjamaica.com.

 

 

Security

Any personal data saved is held safely on our mainframe computer, with security systems preventing unauthorised access and we always ensure it is treated confidentially. For further information regarding our security provisions please see our note below titled Further Security.

 

Further Security

We take security very seriously and we use one of the strongest available security systems to protect your communications with us. Whenever you fill in a form, such as a request for a quote, it is automatically protected using something called a Secure Socket Layer (SSL) between your computer and ours. SSL works in the following ways:

  • It prevents impersonation - you can tell that you are using a genuine SSL site by the padlock symbol at the bottom of the screen. Clicking on either the padlock or the image opposite will reveal our Registration Certificate that is issued by our Internet security company.*
  • It encrypts data - as soon as your computer has recognised our computer they encrypt all information that is passed between them. Data encryption means that no one else can read or change your information as it travels over the Internet.
  • It prevents scrambling - SSL uses a Message Authentication Code (MAC) to prevent anyone tampering with our Internet site. Your computer will always check this code before it takes a message from us. This means that if anyone tried to interfere with a message, your computer would not recognise the code and would alert you.

 

*There are two minor problems with Microsoft Internet Explorer. Neither problem has any effect on the actual security in force, but may make it appear to you as if it is not fully secure.

 

Internet Explorer 4 - The padlock symbol does not always appear at the bottom when it should.

 

Internet Explorer 5 - If you click on the padlock symbol to view the security certificate the following message may be displayed: "This certificate has failed to verify for all of its intended purposes".

 

 

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