Privacy Policy

1. Who we are

Forum Insurance is a trading name of Forum Finance Limited, a company registered in England and Wales (Company No: 02524970). Our registered office is Sai Maa House, 181 Kenton Road, Harrow, Middlesex, HA3 0EY.

We are authorised and regulated by the Financial Conduct Authority (FCA No: 305819). As an insurance broker, we act as a data controller in respect of personal data you provide to us.

If you have any questions about this policy or how we handle your data, please contact us at: info@foruminsurance.com or by post at the address above.

2. What data we collect

We may collect the following categories of personal information:

• ·Identity data: name, date of birth, gender
• ·Contact data: address, email address, telephone number
• ·Business data: company name, nature of business, turnover, number of employees
• ·Financial data: payment information, bank details where relevant
• ·Insurance data: details of existing policies, claims history, risk information
• ·Technical data: IP address, browser type, pages visited (via cookies)
• ·Communications data: records of correspondence and calls

We collect personal data directly from you (via enquiry forms, telephone calls, emails), from insurers and other parties in the insurance process, and via our website (cookies and analytics).

3. How and why we use your data

We use your personal data for the following purposes:

• ·To arrange, administer and renew insurance policies on your behalf
• ·To respond to your enquiries and provide quotations
• ·To process claims and liaise with insurers on your behalf
• ·To comply with our legal and regulatory obligations
• ·To send you renewal reminders and policy-related communications
• ·To improve our website and services

Our lawful bases for processing are: contract performance (to provide our brokerage services), legal obligation (FCA requirements, AML regulations), and legitimate interests (fraud prevention, business administration, service improvement).

Where we send you marketing communications, we will rely on your consent or our legitimate interest where you are an existing client. You may opt out at any time.

4. Who we share your data with

We share your personal data with:

• ·Insurers and underwriters — to obtain quotations and arrange cover
• ·Insurance intermediaries — where we use wholesale brokers or MGAs
• ·Claims handlers and loss adjusters — in the event of a claim
• ·Our IT and software providers — who process data on our behalf under data processing agreements
• ·Regulatory bodies — including the FCA and HMRC where required by law

We do not sell your personal data to third parties. Where we share data with processors, we ensure appropriate contractual safeguards are in place.

5. How long we keep your data

We retain personal data for as long as necessary to fulfil the purposes for which it was collected, including to satisfy legal, regulatory and reporting requirements.

As a general guide, we retain insurance records for a minimum of 7 years after the end of the policy period, in line with FCA requirements. Claims records may be held for longer depending on the nature of the claim.

Where you enquire but do not proceed to take a policy, we retain your data for up to 2 years for the purpose of responding to future enquiries.

6. Your rights

Under UK GDPR, you have the following rights in relation to your personal data:

• ·Right of access — to obtain a copy of the data we hold about you
• ·Right to rectification — to correct inaccurate or incomplete data
• ·Right to erasure — to request deletion of your data in certain circumstances
• ·Right to restrict processing — to limit how we use your data
• ·Right to data portability — to receive your data in a machine-readable format
• ·Right to object — to object to processing based on legitimate interests
• ·Rights related to automated decision-making — we do not make automated decisions that significantly affect you

To exercise any of these rights, please contact us at info@foruminsurance.com. We will respond within one calendar month. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.

7. Cookies

Our website uses cookies to improve your experience and analyse traffic. We use:

• ·Strictly necessary cookies — required for the website to function
• ·Analytics cookies — to understand how visitors use our site (e.g. Google Analytics)

You can control cookies through your browser settings. Disabling analytics cookies will not affect your ability to use our website.

8. Security

We take appropriate technical and organisational measures to protect your personal data against unauthorised access, loss or destruction. Our website uses HTTPS encryption and our internal systems are access-controlled.

In the unlikely event of a data breach that poses a risk to your rights and freedoms, we will notify the ICO within 72 hours and inform you where required.

9. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will update the "last updated" date at the top of this page. We encourage you to review this page periodically.

Contact us about your data

Forum Finance Limited  ·  Sai Maa House, 181 Kenton Road, Harrow, Middlesex, HA3 0EY
Email: info@foruminsurance.com  ·  Phone: 0208 909 2899