JustCover.ie are committed to data security and to protect your personal identifiable information in accordance with all applicable laws.
This notice will inform you about our policies and procedures concerning the personal information about you that we collect, disclose and maintain, in connection with the insurance policies you obtain from us.
We make use of your personal data only when we need to
1 issue policies
2 calculate premiums
Information we may provide to other
We may disclose information about our customer and former customers, as permitted or required by law in conjunction with our normal insurance operation, such as
1 where we are legally obliged
2 in the processing of an insurance claim
3 with government agencies conducting examinations of our procedures
How we use your information
We use the information we receive from you as a JustCover customer to provide you with an insurance quote and to send you reminders for renewal cover. This information is used to manage the issuance of an insurance policy, including underwriting and claims handling, and may be stored as a computer record and / or paper file to assist us to complete transactions or to follow up on complaints or queries.
We store all the information you provide us. Any new information you provide us with may be used to update an existing record we hold for you. If you provide a work email address, we will not be responsible for third parties having access to any communications we send.
Under the Data Protection Act 2018 we may process Health Data where it is necessary and proportionate for the purposes of providing a policy of insurance.
Retention of Data
We will retain quotation information for up to 15 months from the date of the quotation.
All data relating to a policy will be held for 6 years following the end of the policy or relationship with you so that we can ensure that we meet regulatory obligations.
We may need to keep personal data for a longer period of time in exceptional circumstances such as cases involving long-running disputes.
Your Right to Access your Data
You are entitled, on your request, to receive a copy of the personal information we hold about you. If you would like a copy of your information, please contact our Data Protection Officer, JustCover Ltd, 5 Castleknock Woods, Castleknock, Dublin 15 or email us at firstname.lastname@example.org.
Your Right to Withdraw Consent
If you withdraw your consent to us, using your personal date for a legal purpose, we are not permitted to use your personal data for that activity going forward.
In other words, if you wish to be removed from our marketing database you can contact us by email on email@example.com or by writing to our Data Protection Officer, JustCover Ltd, 5 Castleknock, Woods, Castleknock, Dublin 15.
Where use of your personal data is necessary for the purposes of organising or managing your insurance policy the issue of consent does not apply.
Your Right to Rectification
You have the right to ask JustCover.ie to correct any errors or inaccuracies contained in the personal data JustCover.ie hold on you.
Your Right to be Forgotton
In certain circumstances you may request the deletion of your data. For example:
- where the data is no longer necessary for the purposes for which it was originally collected;
- If you withdraw consent, and there is no legal basis for JustCover.ie keeping hold of the data;
- If you object to the processing, and there are no legitimate grounds for the processing of the data or if it has been processed without legal authority; or
- If the personal data should be deleted to compliance with JustCover.ie’s legal obligation.
However, we JustCover.ie will retain a note of your request to be forgotten so that JustCover.ie have a record of why the data has been deleted.
Your Right to Data Portability
You have the right to receive the personal data we hold about you in structured, commonly used and machine readable form. Data is structured and machine readable if it can be easily be processed by a computer. At your request, JustCover.ie will transmit your data to another data controller at your request and if such transmission is technically feasible.
Your Right to Object to the Processing of Your Data
When making a request for us to stop processing your data, simply outline why you want us to stop processing your personal data. We will review your request and stop processing same unless we can demonstrate legitimate grounds for the processing that override your interests and rights.
Where JustCover is using your personal data for the purpose of marketing a product or service to you, you can object at any time, and we will remove you from our marketing data base as soon as we receive your objection.
Your Right to Restrict Processing
You have the right to restrict the processing of your personal data where:
- you make a request under your right to rectification. This restriction will apply while JustCover.ie verifies the accuracy of your personal data:
- the processing of your data is unlawful and you request this to be restricted, not erased;
- JustCover.ie no longer needs your personal data except for the exercise of a legal claim
Where processing of your data is restricted, it may be stored by JustCover.ie, but most other processing actions, such as deletion, will require your permission.
Your credit card details are processed by an independent clearing house
You have the right to receive a readable copy of the personal data which we keep about you. You may challenge the data that we hold and where appropriate request to have the data amended or updated. We will take reasonable steps to verify your identification before providing any personal information to you.
Where you contact us with a data request it may take up to 30 days to complete the request. If it is likely to take longer than 30 days, we will notify you in advance of the 30 day limit.
We are hereby released from any liability for any claim if you refuse disclosure of the data to a third party, which in turn prevents us from providing cover under this policy.
You agree we will store the Personal Data according to Data Protection legislation.
You agree that if you travel outside the European Economic Area (“EEA”), it may be necessary for us to transfer your data outside of the EEA in order to fulfil our obligations to you in the provision of the services under the terms of this policy. The fulfilment of our obligations may include sharing your data with our service providers whom we may engage to ensure the provision of those services to you. We undertake not to transfer your data outside of the EEA or share your data with our service providers for any other reason than the fulfilment of our obligations under the terms of this policy. You have provided your consent for such transfer and sharing of data.
Underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAPFRE ASSISTANCE Agency Ireland is authorised by Direccion General de Seguros y Fondos de Pensiones del Ministerio de Economia y Hacienda in Spain and is regulated by the Central Bank of Ireland for conduct of business rules.
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