Privacy Notice
Crux Underwriting Ltd (“Crux”, “we”, “us”or “our”) is committed to protecting your privacy and handling personal data responsibly.
Who we are and where to find us
Crux Underwriting Ltd is an Appointed Representative of DA Strategy Global Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 927590). Our address is 2 Minster Court, London, EC3R 7BB.
This Privacy Notice explains how we collect, use, share and protect personal data when you interact with us, including through our website and the Crux Broker Portal.
How we collect your personal data
We collect personal data when you contactor interact with us, including by telephone, email, correspondence, through our website or when you access and use the Crux Broker Portal.
We may also receive personal data from brokers and other insurance market participants in connection with insurance submissions, quotations and policies.
We also collect certain information through cookies and similar technologies when you use our website, as explained in our Cookie Notice below.
The personal data we may collect if you contact us
The information we collect will depend on how you interact with us and the nature of the insurance business involved. This may include:
- your name, business contact details and information about the organisation you work for;
- broker Portal account and user information;
- information provided as part of insurance submissions, quotations and policies, including information contained within documents uploaded to the Broker Portal;
- information about your use of the Broker Portal, including records of submissions, amendments and other activity; and
- where relevant to the insurance risk, special category or other sensitive personal data provided aspart of an insurance submission.
How we use your personal data
We use personal data where necessary to operate our business and provide our services, including to:
- manage access to and use of the Crux Broker Portal;
- assess insurance submissions and provide quotations;
- arrange and administer insurance policies;
- communicate with brokers, insureds and other insurance market participants;
- maintain appropriate business and regulatory records;
- meet our legal and regulatory obligations; and
- protect our systems, prevent fraud and manage security.
We process personal data where necessary for our legitimate business interests, to comply with legal and regulatory obligations and, where applicable, for purposes connected with entering into or performing an insurance contract.
Where we process special category personal data, we will only do so where permitted by applicable data protection law.
How and why we share your personal data
Where necessary, we may share personal data with third parties involved in the provision and administration of insurance, including insurers and capacity providers, brokers and other insurance intermediaries, and service and technology providers supporting our business.
We may also share information where necessary to meet our legal and regulatory obligations, including with Lloyd’s, the Financial Conduct Authority, the Information Commissioner’s Office and other relevant regulatory or legal authorities.
We require personal data to be handled appropriately and take reasonable steps to protect information when it is shared with third parties.
International transfers
Given the international nature of our business, personal data may in some circumstances be shared with organisations located outside the UK.
Where personal data is transferred internationally, we will take appropriate steps to ensure that it is protected in accordance with applicable data protection requirements.
How we protect your personal data
We take reasonable technical and organisational measures to protect personal data against unauthorised access, loss, misuse, alteration or disclosure.
Information transmitted over the internet cannot be guaranteed to be completely secure. While we take appropriate steps to protect personal data, we cannot guarantee the security of information while it is being transmitted to us electronically.
How long we keep your personal data
We retain personal data only for as long as reasonably necessary for the purposes for which it was collected and to meet applicable legal, regulatory and business requirements.
Retention periods will vary depending on the nature of the information and the purpose for which it is held.
Your rights
Depending on the circumstances and how we process your personal data, you may have the right to:
- request access to the personal data we hold about you;
- ask us to correct personal data that is inaccurate or incomplete;
- ask us to delete your personal data;
- ask us to restrict how we use your personal data;
- object to certain uses of your personal data;
- request the transfer of your personal data where applicable; and
- withdraw your consent where we rely on consent to process your personal data.
Some of these rights are subject to legal limitations and may not apply in all circumstances.
If you wish to exercise any of these rights, please contact us using the details provided on our website.
Complaints
If you have any questions about this Notice or how we process your personal data, please email us at info@cruxunderwriting.com and we will work with you to resolve the issue.
If you are still unhappy and would like to progress your complaint further, you have the right to make a complaint to the Information Commissioner’s Office (www.ico.org.uk) or by calling 0303 123 1113.
Cookie Policy
What are cookies?
Cookies are small text files placed on your device when you visit a website. They help websites operate effectively and can provide information about how visitors use them.
How we use cookies
Our website may use cookies that are necessary for the website to function, together with analytics cookies that help us understand how visitors use our website and how it can be improved.
Where required, non-essential cookies will only be used with your consent. You can manage your cookie preferences through the cookie controls available on our website.
Analytics
We may use analytics services to understand how visitors interact with our website. These services may collect information such as the pages visited, time spent on the website, device or browser information and general usage data.
Analytics cookies will only be used inaccordance with applicable data protection and electronic communications requirements.
Managing cookies
You can manage or withdraw your cookie preferences through the controls available on our website. You can also configure your browser to block or delete cookies, although doing so may affect how some parts of the website operate.
Changes to these notice’s
We may update the Privacy Notice and Cookie Notice from time to time to reflect changes to our business, services or legal and regulatory requirements.
The latest version will be published on our website.