Nexus Commercial Ltd is an Appointed Representative (AR) of TEn Insurance Services Ltd (TEn).

In accordance with the General Data Protection Regulation (GDPR), we are committed to protecting the confidentiality and security of the information that you provide to us.

This Privacy Notice is intended to help you understand how we collect and use your information.

Who we are

Nexus Commercial Ltd
Office 5
Rumwell Hall
Rumwell
Taunton
TA4 1EL

Tel: 01823 462556
Email: [email protected]

For the purposes of GDPR, we are the Data Controller.

Why we need and how we use your personal information

We only collect, process, share and store your information where we have lawful grounds and when we have legitimate business reasons to do so. The lawful grounds will normally be in order to provide you with a Contract of Insurance.

We only collect, process, share and store your information where we have lawful grounds and when we have legitimate business reasons to do so. The lawful grounds will normally be in order to provide you with a Contract of Insurance.

We collect, process, share and store personal information to fulfil requests for quotes, products and services as part our insurance broking, claims handling and risk management business. It may also be used to verify your identity, to administer payments and to enable us to carry out anti-money laundering and other financial crime checks where required. Your Insurer, Finance Provider or other firms associated with processing your data may also carry out Credit Checks where necessary.

If you pay by instalments your information may also be used to arrange credit.

We may need to obtain special category personal data from you or about you such as information about medical conditions and any unspent criminal convictions. Our lawful grounds for processing such information is Substantial Public Interest.

If you do not provide the information required, we are unlikely to be able to arrange your insurance and may not be able to do any other business with you.

We may also monitor calls, emails, text messages and other communications with you. When you contact us, we may keep a record of that correspondence and any information provided to us during that or any subsequent communication.

Marketing

We would like to keep you updated about our relevant products and services by email, SMS and/or telephone. If we intend to use your data for such purposes, or if we intend to disclose your information to any third party for such purposes, we will only do so with your consent or where we have legitimate interest to do so.

Your consent will be obtained specifically at the appropriate time if required.

If you have already consented and wish us to stop using your information for this purpose or any other purpose, then please contact us.

Nature of personal information

Personal data is any information that may identify a living individual, including basic contact details of an individual within a corporate client.

Additionally, we may collect personal information such as name, contact details, date of birth, gender, marital status, financial details, employment details and other personal details depending on the nature of the insurance and other services we offer.

We may also collect, use, share and store sensitive personal information such as criminal convictions and medical conditions as necessary in relation to insurances such as motor, home, travel and health insurance. This information may be shared with insurers, insurance product providers and our third-party service providers to effect cover.

Sharing information

We will only supply your personal information to other parties where such a transfer is a necessary part of the activities that we undertake, where you give us consent or where we are required to do so by law or regulation (e.g. where the disclosure is necessary for the prevention and/or detection of crime).

As an intermediary we must disclose personal information to insurance companies, underwriting agencies, business partners and other parties to provide our products and services and to enable you to enter into insurance contracts.

Examples of other parties include other insurance intermediaries, loss adjusters, regulatory bodies, legal and accountancy firms involved in the claims handling process. We may also share your personal information with fraud prevention agencies such as the Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud and Theft Register. We may pass information relating to your insurance policy and any incident to the operators of these registers, their agents and suppliers.

For motor insurance, we share information with the Motor Insurance Database (MID), which may be used to establish whether a driver is insured to drive a vehicle and/or for preventing or detecting crime. If you are involved in an accident in the UK or abroad, the MID may be searched to obtain relevant policy information. You can find out more at www.mib.org.uk

We may also disclose your information to service providers engaged to perform services on our behalf. Such service providers are contractually restricted from using or disclosing the information we give them except as necessary to perform services on our behalf or to comply with legal requirements.

We share all personal data with TEn Insurance Services Ltd, due to our regulatory arrangements.

We only share your information if we are satisfied that our partners or suppliers have sufficient measures in place to protect your information in the same way that we do.

We may also disclose personal information to new owners of our business if we are subject to a merger or acquisition. Disclosure may also be made to enable company audits, regulatory inspections or to investigate a complaint, suspicion of fraud or a security threat.

We never share your information outside our organisation for external marketing purposes.

You understand that we may disclose the information you provide to relevant other parties for the purposes described in this Notice.