PRIVACY


 

1. Introduction

Svalinn Limited (a subsidiary of Integro Insurance Brokers) recognise privacy as a fundamental human right in our society. While we specifically recognize the sensitive nature of privacy in the personal lines business we believe protecting the confidential nature of every client or prospect's personally identifiable information ("Personal Information") is one of our paramount responsibilities. Accordingly, and in order to comply with various privacy laws, Svalinn has developed this Privacy Policy to alert clients and prospects on how we may collect, use and disclose Personal Information.

Personal Information includes any factual or subjective information about an identifiable individual, such as name, age, gender, identification numbers, income, ethnic origin, evaluations, credit reports, and medical records. Personal Information does not include the name, title, business address or business telephone number of an employee of an organization.

2. Why We Collect and Disclose Personal Information

Svalinn may collect Personal Information for the purpose of providing risk management and insurance services to our clients. The risk management services provided may include analysing client risks, preparing submissions to the insurance markets, communicating with clients, processing transactions, including premium payments, assisting with legal and claims adjustments.

We will only use Personal Information in a reasonable manner. Svalinn discloses this information only to authorized employees of insurance markets and other vendors for the purpose of performing risk management and insurance services on behalf of our clients, or as permitted or required by applicable law.

3. What Information We Collect

We may collect a variety of information in the performance of risk management and insurance services including but not limited to information clients provide on application forms, claims histories, driving records, police reports, employment information, medical and health information, financial information, and other underwriting information as requested by the insurance markets.

4. How We Collect Personal Information

Most Personal Information we would collect would come directly from our clients and prospects. Other third-party sources may be government agencies, industry/trade associations, and insurance markets. We may also collect such information from internet-based collection tools such as tracking software and cookies. Our website may contain links to third party sites which may not be governed by the same privacy policies as Svalinn. We cannot be responsible once you leave the Svalinn website. You should refer to the privacy policy of the linked websites you visit.

How we use cookies

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. 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.

We have tried to cover all cookies in this list that we or our service providers use. Please be aware that there may be a delay in updating this list. If you do notice any discrepancies please be sure to let us know.

Category 2: performance cookies

These cookies collect information about how visitors use our website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don't collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how our website works.

"By using our website, you agree that we can place these types of cookies on your device."

List of cookies:

Name: session cookie
What they do: This is needed for the website to run, it does not collect any information about the user.
Duration: expires at the end of use
Name: Google Analytics
What they do: Google Analytics sets cookies to help us accurately estimate the number of visitors to the website and volumes of usage. This is to ensure that the service is available when you want it and fast.
Duration:
Utma – this expires after 2years
Utmb – expires after 30 mins
Utmc – session cookie which expires at the end of use
Utmz – expires after 6 months

Removing and disabling cookies

If you do not wish to accept cookies on to your machine you can disable them by adjusting the settings on your browser. However this will affect the functionality of the websites you visit. For more help on how to disable your cookies or delete them visit www.aboutcookies.org

5. Consent

Your knowledge and consent of our collection, use and disclosure of your Personal Information is critical. Svalinn provides risk management and insurance services to corporate clients, institutional clients, and to individual or personal lines clients. For corporate clients, express consent of individual employees is generally not feasible or necessary in most circumstances. Nevertheless,  Svalinn will rely upon your voluntary disclosure of any such Personal Information in applications or in other underwriting information as consent for our collection, use and disclosure of such Personal Information for the purpose of providing risk management and insurance services. For personal lines clients, appointment of Svalinn as the Broker of Record is your express agreement and consent to collect, use and disclose Personal Information for the purpose of providing risk management and insurance services. Please note that withholding or withdrawing consent for us to collect, use and disclose Personal Information may not allow Svalinn to provide risk management and insurance services on your behalf.

By supplying the necessary information involving employees of commercial clients, the customer acknowledges that you are also in compliance with the Privacy Laws of your country.

6. Security of Personal Information

Any Personal Information we retain is secured by three types of safeguards: (1) physical measures, such as locked offices and filing cabinets, (2) technological safeguards, such as passwords, encryption and firewalls, and (3) organizational controls such as limiting access to Personal Information on a 'need-to-know' basis, training and confidentiality agreements.

The specific types of safeguard utilized will depend upon the sensitivity, amount, extent of distribution, format of the information, and type of storage.

7. Accuracy and Access to Personal Information

Svalinn is committed to the accuracy of any Personal Information it collects, uses and discloses. As such, clients are requested to keep us informed about any changes to their Personal Information that may be material to the risk management and insurance services we provide.

Upon written request, and subject to certain legal restrictions, we will provide reasonable access to Personal Information to the individual to whom it refers. You have the right to request us to amend any inaccurate Personal Information. All such requests should be directed to our Chief Compliance Officer, who is our designated Privacy Officer and is responsible for ensuring compliance with this Privacy Policy.

8. Further Information, Complaints or to Withdraw Consent

To gain access to your Personal Information, for further information, to file a complaint about our handling of Personal Information, or to withdraw your consent for us to collect, use and disclose your Personal Information, please contact our Chief Compliance Officer  as follows:

Chief Compliance Officer
Peter Burton

Peter.Burton@integrogroup.com

While we make every effort to secure information within our control, no method of delivery is absolutely secure and any communication may be accidentally or deliberately intercepted by third parties.