Privacy Policy

Effective Date: January 1, 2025

At Pet Cover Plus (a trading style of Best Risk Management and Financial Service Limited), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

1. Information We Collect

1.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Request a quote for pet insurance
• Purchase a policy
• Make a claim
• Contact our customer service team
• Sign up for our newsletter or marketing communications
• Create an online account

This information may include:

• Name, address, email address, and telephone number
• Date of birth
• Payment and financial information
• Information about your pet(s), including breed, age, medical history, and microchip number
• Veterinary records and claims information

1.2 Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device, including:

• IP address
• Browser type and version
• Operating system
• Referring website
• Pages viewed and time spent on our site
• Cookie identifiers and similar tracking technologies

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide insurance services: Process your insurance application, issue policies, manage your account, and handle claims
• To communicate with you: Send policy documents, renewal notices, claim updates, and respond to your inquiries
• To improve our services: Analyze how our website is used and improve our products and services
• To prevent fraud: Detect and prevent fraudulent activity and protect our business
• Marketing purposes: Send you promotional materials about our products and services (with your consent)
• Legal compliance: Comply with applicable laws, regulations, and legal processes

3. Legal Basis for Processing

Under UK GDPR, we process your personal data on the following legal bases:

• Contract performance: To provide you with insurance services and fulfill our contractual obligations
• Legal obligation: To comply with legal and regulatory requirements
• Legitimate interests: To improve our services, prevent fraud, and protect our business
• Consent: For marketing communications and certain optional data processing activities

4. Sharing Your Information

We may share your information with the following third parties:

• Insurance underwriters: To underwrite and administer your policy
• Claims handlers: To process and settle claims
• Veterinary practices: To verify medical information and process claims
• Payment processors: To process your premium payments
• Service providers: Third-party companies that help us operate our business (e.g., IT support, marketing agencies)
• Legal and regulatory authorities: When required by law or to protect our legal rights
• Fraud prevention agencies: To prevent and detect fraud

We do not sell your personal information to third parties for their marketing purposes.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Regular security assessments and updates
• Access controls and authentication procedures
• Employee training on data protection

However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Generally, we retain:

• Policy information for at least 7 years after the policy expires (as required by insurance regulations)
• Claims information for at least 7 years after the claim is settled
• Marketing consent records until you withdraw consent

7. Your Rights

Under UK data protection law, you have the following rights:

• Right of access: Request a copy of the personal information we hold about you
• Right to rectification: Request correction of inaccurate or incomplete information
• Right to erasure: Request deletion of your personal information (in certain circumstances)
• Right to restrict processing: Request that we limit how we use your information
• Right to data portability: Request a copy of your information in a structured, machine-readable format
• Right to object: Object to processing based on legitimate interests or for direct marketing
• Right to withdraw consent: Withdraw consent at any time (where processing is based on consent)

To exercise any of these rights, please contact us using the details provided in Section 11.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small text files stored on your device that help us:

• Remember your preferences and settings
• Understand how you use our website
• Improve website functionality and performance
• Deliver relevant advertising

You can control cookies through your browser settings. However, disabling cookies may affect the functionality of our website.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to read the privacy policies of any third-party sites you visit.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any significant changes by posting the updated policy on our website with a new effective date. We encourage you to review this Privacy Policy periodically.

11. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your data protection rights, please contact us:

12. Complaints

If you are unhappy with how we have handled your personal information, you have the right to lodge a complaint with the Information Commissioner's Office (ICO):