Security & Privacy

Introduction

row.co.uk is part of BIG Warranties Ltd which takes the protection of your privacy extremely seriously. We will respect and protect your personal information and try to ensure your details kept by us are accurate and as up to date as possible. We are committed to protecting the privacy of visitors to the website in accordance with the Data Protection Act 1998 (the “Act”) and we follow the guidelines provided by the Information Commissioner. We may change our privacy policy so it is important that you regularly review this page.

Information We Collect About You

We collect personal data from you via this website and email communications from you. We may also collect your electronic identifier i.e. Internet Protocol address or telephone number supplied by your network provider. For training and compliance purposes we may monitor or record your communications. There is no guarantee that any e-mails sent to this site will be received, the message may also not be confidential during transmission.

Cookies

We may also collect information about your computer, including where available your IP address, operating system and browser type using a cookie file which is stored in the hard drive of your computer. Cookies help us to improve our website and deliver a better and more personalised service to you. They enable us to:

  • (a) Personalise your experience on our website, speed up your searches 
    and help us select services or materials for inclusion on the website which may be of interest to you.
  • (b) Monitor general traffic patterns and usage of our Website to help us to improve our Website design and layout.

Most browsers accept cookies automatically, but usually you can alter the settings of your browser to prevent automatic acceptance. If you choose not to receive cookies, you may not be able to use certain features of our Website.

We use the following cookies throughout our website:

Security breach notification form cookie ASP.NET_SessionId This cookie is essential for the breach notification form – the form that public electronic communications service providers use to notify the BMC of a security breach – to operate. It is set only for those people using the form. This cookie is deleted when you close your browser.
Tracking Cookie parenttrackid Used to track our customers journey though the site and to help improve the customers experience.
Google Analytics _utma
_utmb
_utmc
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These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where vistors have come to the site from and the pages they visited.

You can find and control the use of cookies on your PC by following the methods listed below, if for some reason this does not work please contact the relevant browser provider

If you're using Google Chrome:

  1. Select the Chrome Menu
  2. Select Settings
  3. Near the bottom of the page, click Show advanced settings
  4. In the "Privacy" section, click Content settings
  5. Enable or disable cookies
    • To enable cookies, select Allow local data to be set (recommended)
    • To disable cookies, select Block sites from setting any data
  6. Click Done to save

If you're using Mozilla Firefox:

  1. Click the menu button and choose Options
  2. Select the Privacy panel
  3. Set Firefox will: to Use custom settings for history
  4. Check mark Accept cookies from sites to enable Cookies, and uncheck it to disable them.
  5. Choose how long cookies are allowed to be stored:
    • Keep until: they expire: Each cookie will be removed when it reaches its expiration date, which is set by the site that sent the cookie
    • Keep until: I close Firefox: The cookies that are stored on your computer will be removed when Firefox is closed
    • Keep until: ask me every time: Displays an alert every time a website tries to send a cookie, and asks you whether or not you want to store it
  6. Click OK to close the Options window

If you're using Internet Explorer 9 and above:

  1. Click the Tools button, and then click Internet options
  2. Click the Privacy tab, and then, under Settings, move the slider to the top to block all cookies or to the bottom to allow all cookies, and then click OK

If you're using Safari:

  1. Choose Safari > Preferences, and then click Privacy
  2. In the “Block cookies” section, specify whether Safari should accept cookies from websites, and when. To see an explanation of the options, click the Help button (looks like a question mark)
  3. If you want to see which websites store cookies on your computer, click Details

Use of Personal Data

We ask for personal data for servicing and information needed to administer your insurance policy and to increase the effectiveness of our website and marketing techniques. Information such as pages visited frequently on our site and how long you spend on each section of the site is typical information we would collect but not necessarily directly assigned to your as an individual user. If we collect information such as your email address, telephone number or postal address we my use this to send a promotion to you. Please note that third party websites are not part of our privacy policy. Any information we capture is secured using SSL (please see here for more information on SSL). Our servers are kept in a secure facility whereby firewalls allow only authorised traffic to interact with them. The servers can only be access by authorised individuals within the facility.

How We Use The Information You Give Us And How We Share It

We will use your information for the management of our policy. This will include uses such as underwriting, claims and general maintenance of your policy. Your information includes data about your transactions.

We may use and share your information with other members of our Group to help:

  • Processing your quote(s) and subsequent renewal
  • In assessing your insurance risk
  • Administrations of your policy including claims handling
  • Fraud detection and prevention
  • For debt recovery purposes
  • Direct marketing to you

We do not disclose your information to anyone outside our Group except: Where we have your permission; or where we are required or permitted to do so by law; or to other companies who provide a service to us or you; or where we may transfer rights and obligations under this agreement. We may transfer your information to other countries. If we do this we will ensure that anyone to whom we pass it provides an adequate level of protection. From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we will inform you. Telephone call made to or by us may be recorded monitored for your protection.

Fraud Detection and Prevention

To detect and prevent fraud we may at any time share information with other organisations and public bodies including the police in compliance with the Data Protection Act 1998, file details with fraud prevention agencies and if we are given inaccurate or false information and we can identify fraud it will be recorded. Organisations such as ourselves and others may access and use this information to prevent fraud or/and money laundering, it may be used to:

  • Help make decisions about the provision and administration of insurance, credit and related services for you and members of your household:
  • Trace debtors or beneficiaries, recover debt, prevent fraud, and to manage your accounts or insurance policies; or
  • Check your identity to prevent money laundering, unless you provide us with other satisfactory proof of identity

If false or inaccurate information is provided and fraud is identified details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

  • Recovering debt
  • Checking details on proposals and quotations
  • Tracing debtors and beneficiaries and to manage your insurance policy

Please use the contact us form if you wish to receive details of the relevant fraud prevention agencies. We and other organisations may access and use, from other countries, the information recorded by fraud prevention agencies.

Dealing With Other People

If you would like someone else to deal with your policy on your behalf on a regular basis then please let us know. If at any time you would prefer us to deal only with you after giving us permission to deal with someone else, please let us know immediately.

Marketing Information

We may keep you informed by text messaging (SMS), email or other electronic means of products we think you may be interested in from BIG Warranties and our partners. If you don’t wish to receive such information please opt out during the application process. You can contact us via our contact form to get us to remove your details for the purposes of direct marketing.

Sensitive Information

Some of the personal information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998. We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to provide the services described in your policy documents and on this site.

Links To Other Websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Protection of personal information

We use our reasonable endeavours, including up to date industry procedures, to protect your private use of the Website and to secure such use from unauthorised access, use, disclosure or loss or your personal data.

Rights

You may instruct us to provide you with any personal information we hold about you. Provision of such information will be subject to:

  • (a) The payment of a fee (currently fixed at £10.00); and
  • (b) The supply of appropriate evidence of your identity (for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address).

We may withhold such personal information to the extent permitted by law. You may instruct us not to process your personal information for marketing purposes by email at any time. In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt-out of the use of your personal information for marketing purposes.

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