The purpose of this Privacy Policy is to explain what personal data MHG Insurance may collect, store or process, how we secure it, and your rights to access it.
We take your privacy very seriously and are fully committed to securing and protecting it. If you believe this policy could be improved, we welcome your feedback.
The Personal Data We Collect
We receive personal data via forms, email, post, or our web portal to apply for coverage, renew policies, or support claims. This may come directly from you or a third party.
Information Categories
Personal Details
- Name
- Date of Birth
- Nationality
- Marital Status
- Signature
Contact Info
- Correspondence Address
- Residential Address
- Country of Residence
- Phone Numbers
- E-mail Address
Physical Attributes
- Height
- Weight
- Present State of Health
Employment
- Employer
- Job Title
- Date Employment Started
Financial
- Bank Details
- Credit Card Details
Insurance History
- Other Insurance Policies
- Medical History
- Treatment Received
- Planned Treatment
- Accident Info
Lawful Basis for Processing
Contract: When we engage directly with an individual.
Legitimate Interest: When information is supplied by a third party, for example, employer, on behalf of an individual.
Digital Data & Cookies
We collect basic information like IP addresses to understand website traffic. This is aggregated and does not store personally identifiable information.
Cookies: Small text files used to make websites work efficiently. You can manage or delete cookies through your browser settings.
Sharing Your Information
We may share data with necessary parties to manage your policy. We ensure secure transmission via encryption or secure networks. We do not sell your data.
Security
We operate a paperless office with a clear desk policy. Any physical data is locked away and securely destroyed when no longer needed. Digital data is stored in secure software.
Retention
We retain information only as long as necessary. We may retain anonymized data for statistical research to assist in future premium calculations.
Your Rights
Accessing Your Info
You have the right to request the information we hold about you. Please contact us to make a request. We will respond within one month.
Corrections
If information is incorrect, please inform us immediately. We will restrict processing until it is corrected.
Complaints
Our lead supervisory authority is the Isle of Man. You can contact the Isle of Man Information Commissioner’s Office at www.inforights.im.