Privacy Notice
This Privacy Notice sets out how Tierra Underwriting Limited, with its registered address at Gable House, 239 Regents Park Road, London, United Kingdom, N3 3LF and Tierra Underwriting Europe BV, with registered address at Boulevard Louis Schmidt 87, Brussels, 1040, Belgium (each and together “Tierra”) use and protect information that Tierra obtains about you as “data controller” pursuant to the EU General Data Protection Regulation 2016/679 (GDPR), either on this website or in its relationship with you. We collect personal information to offer and administer our insurance intermediary services as a Lloyd’s Coverholder in the UK and an insurance agent in Belgium, in addition to any information we collect to engage you as a third-party service provider for general office management purposes.Tierra is committed to ensuring that your privacy is protected. Your information will be held in accordance with the GDPR and, where applicable, the UK legislation (including the Data Protection Act 2018) or the Belgian Data Protection Act of 30 July 2018. Should we ask you to provide certain information from which you can be identified this Privacy Notice sets out why we need your information, how we protect your information and your rights in relation to your information. Tierra may change this Privacy Notice from time to time. This Privacy Notice is effective from 29th April 2022 and supersedes any previous notices issued by Tierra.
We collect the following information:
Information that you have provided to us by uploading it or filling in forms for us
Recorded telephone and audio-conferencing calls if you contact us or we contact you
Name and job title, details of your employer, contact information including email address and contact number (business or personal as required)
Passport details if we need to verify your identity for KYC/ Anti-Money Laundering purposes
Demographic information such as postcode, preferences and interests (for website traffic monitoring purposes)
Details of your visits to our website and information collected through cookies and other tracking technologies including, but not limited to, your IP address and domain name, your browser version and operating system, traffic data, location data, web logs and other communication data, and the resources that you access.
What information we collect
We may use your information for the following:
To provide information and insurance intermediary services as requested by you or your broker, in particular to negotiate, propose, conclude and incept insurance contracts on behalf of certain underwriters, or administer and generally assist you with a claim under an insurance contract we have bound with you
To identify you as required under applicable law and regulations (such as KYC onboarding, AML, sanctions or credit checks)
To monitor calls for training, monitoring or compliance purposes and to assist in the administration of your claim or your insurance policy
To engage in a commercial relationship with yourself, or your employer, or organisation
To send out billing and general administration communications
To send out client communications, invitations to events/presentations, and marketing materials that are relevant to you and the services we provide
To obtain and update credit information with appropriate third parties, such as credit reporting agencies Internal record keeping
To manage, comply with or receive/provide a supplier/service agreement with yourself; and
From time to time, we may use your information to contact you for market research purposes. We may contact you by email, phone, or mail. We may use the information to customise the website according to your interests.
What we do with the information we gather
For the purposes set out above, personal data may need to be shared with third parties such as underwriters, brokers and service providers required to administer your policy or your claims (loss adjustors, service companies, lawyers, auditors, etc.) to the extent necessary to carry out our relationship with you.
To obtain and update credit information we will moreover exchange personal data with appropriate third parties, such as credit reporting agencies.
In addition thereto, we sometimes share personal data with our third-party suppliers including IT service and platform providers and data storage providers, with our auditors, lawyers and other professional advisors, and with regulatory agencies, insurance bodies, law enforcement or relevant third parties (if you are not regulated) in order to detect and prevent financial crime, recover payments due or complete due diligence, or to comply with regulatory or legal obligations.
We will implement appropriate safeguards when transferring your personal data to third parties. If necessary, we will for example conclude a data transfer or a processing agreement specifying the limitations to the use of your personal data and the obligations with respect to the security of your personal data.
Finally, if Tierra is (a) subject to negotiations for the sale of its business, or group or (b) is sold to a third party or (c) undergoes a re-organisation, personal data which it holds may be disclosed to that organisation/person (or its advisors) as part of any due diligence process or transferred to that re-organised entity or third party and used for the same purposes or for the purpose of analysing any proposed sale or re-organisation. In such context, only strictly necessary personal data shall be disclosed, and appropriate data security and confidentiality safeguards shall always be implemented.
Disclosure of personal data to third parties
We may send your personal information overseas outside the EEA in order to deliver our insurance intermediary services. Should this situation arise, Tierra shall ensure that the appropriate safeguards are in place to protect your personal information. Within our Group, we have Group companies and branches based in the UK, the US and Singapore. Whilst these operations are separate, there may be instances where we work with our UK, US and Singaporean counterparts (where such counterparts are acting as your insurance broker) and information may be shared between the entities and branches of the Group. Where this is the case, we will ensure we have the appropriate safeguards in place to protect personal information.
Overseas transfer
We rely on the following lawful bases to permit us to collect and process your information so that we can propose or conclude insurance cover, deal with claims or manage a service provider relationship with you:
We process your information to fulfill our obligations under the relevant insurance policy with you, should you or your broker request our insurance intermediary services
It is in our legitimate interests to do so, and that such interests are not overridden by your fundamental rights or freedoms. Such legitimate interests include our ability to provide insurance intermediary services to you, should you request this
From time to time, Tierra may be required to process your information to comply with the law or our regulatory obligations; and/or
Your consent. Where information is obtained directly from you, your consent may be requested for the processing of your data for specifically identified (such as direct marketing).
Lawful bases for processing your information
You have the following rights, subject to certain limitations and exceptions:
You may review and obtain a copy of the information we hold about you or ask us to amend it where it is inaccurate or limit the purpose for which we use your information
You may object to your information being used, for example for direct marketing
Where processing your information on the basis of your consent, you may withdraw your consent to such processing at any time
You may in some cases ask us to erase any personal data we hold on you; and
You may request to receive your personal data in a structured, commonly used and machine-readable format and to (have) transmit(ted) your personal data to another organisation.
More information can be found at the following links
Finally, you also have the right to lodge a complaint relating to the processing of your personal data by us with the data protection authority in your country. Please find a list of supervisory authorities here or see the contact details herein:
Your rights relating to your information
UK Contacts
England
Information Commissioner's Office
Wycliffe House Water Lane Wilmslow,
Cheshire SK9 5AF
Tel: 0303 123 1113 (local rate)
or 01625 545 745 (national rate)
Email: casework@ico.org.uk
Scotland
Information Commissioner's Office 45 Melville Street
Edinburgh EH3 7HL
Tel: 0303 123 1115
Email: scotland@ico.org.uk
England
Information Commissioner's Office Wycliffe House Water Lane Wilmslow, Cheshire SK9 5AF
Tel: 0303 123 1113 (local rate)
or 01625 545 745 (national rate) Email: casework@ico.org.uk
Belgium Contacts
Brussels
Data Protection Authority, Rue de la Presse 35, 1000 Brussels
Tel: +32 (0) 2 274 48 00 or +32 (0) 2 274 48 35
Email: contact@apd-gba.be
Your rights may be exercised by contacting us as stated below. These rights are not absolute, and we will let you know in our correspondence with you whether we think they apply to you. If you limit the purpose for which we use your information or withdraw your consent, this may impact our ability to arrange insurance, administer claims, or provide and/or receive services from you. In principle you may exercise these rights free of charge. Only where requests are manifestly unfounded or excessive, we may charge a reasonable fee. We might (if deemed necessary) also request a proof of identity in advance in order to verify your request.
Security
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online and through our ongoing relationship with you. Any information we hold about you is held on secure servers accessible only by authorised parties and complies with industry accepted security protocols.
Data retention
Your personal data will not be stored for longer than is necessary in relation to the purposes for which we process them (as listed above). Afterwards it is still possible that they can be found in our back-ups or archives, but they will no longer be actively processed in a file. More specifically, the following data retention guidelines are applied: Any personal data included in accounting, financial or other official documents will be retained for as long as such documents legally need to be kept; Any personal data obtained in the context of complaint handling will be deleted (or anonymised) as soon as the complaint is closed; Only where we are legally obliged to, or where this is necessary for defending our interests in the context of judicial proceedings (where a statutory limitation period of 10 years applies in Belgium), we will store the personal data for longer periods.
How we use cookies
A cookie is a small file which asks permission to be placed on your computer’s hard drive. Cookies that are used on our website are:
XSRF Token
Purpose: used for security reasons, Duration: Session, Cookie Type: Essential
hs
Purpose: used for security reasons, Duration: Session, Cookie Type: Essential
svSession
Purpose: used in login for user login, Duration: 2 years, Cookie Type: Essential
SSR-caching
Purpose: Used to indicate the system from which the site was rendered, Duration: 1 minute, Cookie Type: Essential
wixCIDX
Purpose: used for system monitoring or debugging, Duration: 3 months, Cookie Type: Essential
wix_browser_sess
Purpose: used for system monitoring or debugging, Duration: Session, Cookie Type: Essential
consen- policy
Purpose: used for cookie banner parameters, Duration: 12 months, Cookie Type: Essential
smSession
Purpose: used to identify logged in sity members, Duration: Session, Cookie Type: Essential
TS*
Purpose: used for security and anti-fraud reasons, Duration: Session, Cookie Type: Essential
bSession
Purpose: used for system effectiveness measurement, Duration: 30 minutes, Cookie Type: Essential
fedops.logger.sessionld
Purpose: used for stability/effectiveness measurement, Duration: 12 months, Cookie Type: Essential
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 Notice. You should exercise caution and look at the privacy statement applicable to the website in question.
Contact us
You can contact us with any questions or enquiries which you have in relation to this Privacy Notice, or to exercise your rights as set out above, by using the details below:
For attention of the Managing Director:
Tierra Underwriting Limited
c/o Gable House, 239 Regents Park Road, London,
United Kingdom, N3 3LF
Tierra Underwriting Europe
BV c/o Boulevard Louis Schmidt 87,
Brussels, 1040, Belgium
Telephone: 07895 203964
Email: a.beechey@tierraunderwriting.com
Website: tierraunderwriting.com