This policy is to help you understand how we collect and use your personal information when you visit our website (UK and Republic of Ireland residents only)
This policy and our Terms of Business are subject to English law. Any dispute will be dealt with by the English Courts. Everything on this web site is the property of Balens Limited. The information complies with appropriate UK legislation and regulation. Balens Limited has taken all reasonable care in the production of this web site and it shall not be held liable for any loss whatsoever. If we change this policy, we will post changes on this page. We will check regularly to improve our service and security for regulatory purposes. Any queries should be directed to the Compliance Manager, Balens Limited, Bridge House, Portland Road, Malvern, WR14 2TA or phone 01684 580791.
Balens Limited is registered with the UK Information Commissioner under the Data Protection Act 1998, registration number Z8259276.
What information we collect and how
Any personal details that you type in and submit such as your name, address, e-mail address, date of birth, lifestyle and other information. Data that helps us to remember you, your interests and how you use this website. This saves you from re-keying information when you return to the site and helps us to provide website content to match your preferred interests. Your IP address is automatically logged by our web server. This is used to note your interest in our website.
What we do with your information
For insurance administration by the insurer, its associated companies and agents and by reinsurers. Information may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing the insurer's compliance with any regulatory rules/codes.
For offering renewal, research and statistical purposes; crime prevention and for systems administration. Information may be transferred to any country, including countries outside the European Economic Area. Where this happens, we will ensure that anyone to whom we pass your information agrees to treat your information with the same level of protection as if we were dealing with it.
If you give us information about another person, in doing so, you confirm that they have given you permission to provide it to us and for us to be able to process their personal data (including any sensitive personal data). Also, that you have told them who we are and what we will use their data for, as set out in this notice.
In the case of personal data, with limited exceptions, and on payment of the appropriate fee, you have the right to access and if necessary rectify information held about you.
A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
You can choose to accept or decline cookies using the cookie control on the bottom left of this page. Otherwise most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
Balens Limited and H and L Balen and Company may use your information to keep you informed by post, telephone, e-mail or other electronic means, about insurance, financial products and services which may be of interest to you. Information may be disclosed and used for these purposes after your policy has lapsed.
By providing us with your contact details, you consent to being contacted for these purposes. You can contact us at any time to have your details removed from lists used by us for marketing.
We have included links on this website to other sites that we believe you may find useful. These websites will each have their own privacy statement, which may differ from ours. Therefore please ensure, when you click on any of our links, that you read the privacy statement located on the website you have selected.
Linked web sites are not within our control.
You may not create a hyperlink to this website without our prior written consent.
No subscribing member should permit or allow any unauthorised person access to their user name or password. You are responsible for the security of any data which you transfer to or from our website. Balens reserves the right to deny access to any subscriber who breaches any of our rules or terms of business.
The Internet is not a 100% secure medium of communication and we cannot guarantee the security of any information transmitted via the Internet. We are not responsible for any damages you, or others, may suffer as a result of the loss of confidentiality of such information. We are also not responsible for any technical problems you may experience with our website.
If you do experience technical problems, please e-mail firstname.lastname@example.org.
Version 5: 31th July 2012