Common use of PROTECTING YOUR INFORMATION Clause in Contracts

PROTECTING YOUR INFORMATION. We safeguard the information we hold about you 11.1 Please note that we will obtain and process information about certain individuals such as beneficial owners, directors, trustees and additional authorised signatories and references to ‘you’ include those individuals as well as the account holder. This will involve a search of records held by Companies House, credit reference agencies and fraud prevention agencies. Such agencies not only provide company, credit and voters roll information, they can verify your identity, the identity of the business and beneficial owners, and also record the details of searches including previous applications. The information we hold about you comes from you, relevant third parties (Credit Reference Agencies) and from your use of your account and your interactions with us. We will typically process, in relation to each named contact at an organisation, your personal and contact details along with your data of birth and job title. We will process this data in order to run and monitor the account (contractual obligation) and to send you relevant information (contractual obligation / legitimate interest). We will keep these details on our files for as long as the account is open and for a period of no more than 12 years from account closure. If you would like to know more about how we process your personal data, please refer to the Privacy Notice on our website (printed version available on request). At times we will involve trusted third parties in the processing of your personal data and where we do so you will find relevant details in our Privacy Notice. If you would like to change the way we process your data at any time, you should contact ▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or write to us at Data Protection, Charity Bank, Fosse House, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇, ▇▇▇ ▇▇▇. Please note a £10 fee is payable. 11.2 We collect information about you to be able to provide our services to you and to inform the development of new and improved products and services to meet the needs of our customers. We also use your information for security, identity verification and training, to communicate with you and to comply with the law. Specifically, we may use your information to: • manage your account(s) with us; • carry out regulatory checks and meet our obligations to our regulators; • protect ourselves against harm to our rights and property interests; • develop and improve our services through assessment and analysis of the information including credit or behavioural scoring (or both), market and product analysis, and market research; • prevent and detect fraud and money laundering; • detect other crime (such as identity theft); • improve the relevance of marketing messages we may send you; and • we may also monitor or record any communications between you and us including, but not limited to, telephone calls. We will use these recordings to check your instructions to us, to analyse, assess and improve our services to customers, and for training and quality purposes. 11.3 We are the data controller for the purpose of current data protection legislation, including the General Data Protection Regulation (ICO registration Z6540626). By applying for an account with us you agree that we may process the personal information (including sensitive personal information) that we collect from you in accordance with our Privacy Notice, which you can request from us, or you can view on our website. In particular, we may use information we hold about you for the purposes of providing the products or services you have requested, or to provide you with details or information about products, services or events of ours which we think may be of interest to you. Personal data may be transferred outside the European Economic Area, but if this is the case we will make this clear in our Privacy Notice on our website. By applying for an account with us, you agree to this transfer, storing and processing. Please address any questions, comments and requests regarding our data processing practices to our Data Protection Lead ▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ of Fosse House, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇, ▇▇▇ ▇▇▇. We will keep your information confidential but we may share it with the following (who are also bound to keep it secure and confidential) if we have a duty to disclose it, if it is required for the management of your accounts, a law or regulation allows us to do so, or for legitimate business purposes: • your advisers (such as accountants, lawyers, financial advisers or other professional advisers) if you have authorised anyone like this to represent you, or any other person you have told us is authorised to give instructions or to use the account on your behalf (such as a power of attorney); • our service providers and agents (including their sub-contractors). This may include for example, where we pass your details to someone who will print your statements; • credit reference agencies; • payment-processing service providers and others that help us process your payments; • UK and overseas regulators and authorities in connection with their duties (such as crime prevention) – for example, because of the way certain payments work the regulator or authority may be able to access payment details (including information about others involved in the payment). In instructing us to make payments you agree to this for yourself and any others involved in your payments; or • fraud prevention agencies. In particular we will always tell fraud prevention agencies if you give us false or fraudulent information. They will also allow other organisations (in the UK and abroad), including law enforcement agencies, to access this to this information in order to prevent and detect fraud, money laundering or other crimes.

PROTECTING YOUR INFORMATION. We safeguard the information we hold about you 11.1 Please note that we will obtain and process All personal information about certain individuals such You will be treated as beneficial ownersprivate and confidential (even when You are no longer a customer), directors, trustees and additional authorised signatories and references to ‘you’ include those individuals as well as except where the account holder. This will involve a search of records held by Companies House, credit reference agencies and fraud prevention agencies. Such agencies not only provide company, credit and voters roll information, they can verify your identity, the identity of the business and beneficial owners, and also record the details of searches including previous applications. The information we hold about you comes from you, relevant third parties (Credit Reference Agencies) and from your use of your account and your interactions disclosure is made at Your request or with us. We will typically process, Your consent in relation to each named contact administering Your insurance including any related credit arrangement, or where We are required by law. Your information will be held by Us (including all companies within the Ripe Group) in accordance with data protection legislation (including the General Data Protection Regulation from 25th May 2018), under which You have a right of access to see personal information about You that is held in Our records, whether electronically or manually. If You have any queries, please write to the Data Protection Administration at an organisation, your personal and contact details along with your data of birth and job title. We will process this data in order to run and monitor the account Our address (contractual obligation) and to send you relevant information (contractual obligation / legitimate interestsection “About Us”). We will keep these details shall collect personal information when You register with Us, contact Us or place an order for Our services. We also collect information when You voluntarily complete insurance forms, customer surveys, provide feedback and participate in competitions. Should You visit Our website We shall also collect website usage information using cookies. We shall use Your personal information for: a) performing the services which You have requested; b) for delivering any prizes or discounts which You may be entitled to through promotions or competitions run by Us or Our partners; c) for any regulatory or legal purposes imposed on our files Us (for instance for reporting to the Financial Conduct Authority); d) for informing You about other services and products provided by Us or Our partners which may be of interest to You (where You have provided Your consent); and e) for any other legitimate interest of Ours such as long as for carrying out credit checks, preventing fraud, maintaining adequate records or for the account is open and recovery of unpaid debts. You have the right at any time to stop Us from contacting You for a period marketing purposes or giving Your information to companies outside of no more than 12 years from account closurethe Ripe Group. If you would like You no longer wish to know more about how we process your personal databe contacted for marketing purposes, please refer to the Privacy Notice on our website (printed version available on request). At times we will involve trusted third parties in the processing of your personal data and where we do so you will find relevant details in our Privacy Notice. If you would like to change the way we process your data at any time, you should contact e-mail ▇▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or write to us at Data Protection, Charity Bank, Fosse House, ▇.▇▇ . Some or all of the information You supply to Us in connection with Your insurance proposal may be passed to third parties including: a) insurance and other companies for underwriting, claims and premium collection purposes; b) service providers (such as Our partners in order to redeem any promotional offers or for Us to run a promotion); c) credit reference agencies; d) other sub-contractors who may assist Us in providing the services requested from You; and e) to Our partners for marketing purposes (where You have provided Your consent). We and/or the insurers or credit providers may use publicly available information from a variety of sources, including credit reference agencies and other external organisations, to verify Your identity or creditworthiness to avoid fraud and to obtain beneficial quotes and payment options on Your behalf. Each of these searches may appear on Your credit report whether or not Your application proceeds. For more information explaining how We use Your information please see Our Privacy Policy (▇▇▇▇ .▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇, ▇▇▇ ▇▇▇. Please note a £10 fee is payable. 11.2 We collect information about you to be able to provide our services to you and to inform the development of new and improved products and services to meet the needs of our customers. We also use your information for security, identity verification and training, to communicate with you and to comply with the law. Specifically, we may use your information to: • manage your account(s) with us; • carry out regulatory checks and meet our obligations to our regulators; • protect ourselves against harm to our rights and property interests; • develop and improve our services through assessment and analysis of the information including credit or behavioural scoring (or both), market and product analysis, and market research; • prevent and detect fraud and money laundering; • detect other crime (such as identity theft); • improve the relevance of marketing messages we may send you; and • we may also monitor or record any communications between you and us including, but not limited to, telephone calls. We will use these recordings to check your instructions to us, to analyse, assess and improve our services to customers, and for training and quality purposes. 11.3 We are the data controller for the purpose of current data protection legislation, including the General Data Protection Regulation (ICO registration Z6540626). By applying for an account with us you agree that we may process the personal information (including sensitive personal information) that we collect from you in accordance with our Privacy Notice, which you can request from us, or you can view on our website. In particular, we may use information we hold about you for the purposes of providing the products or services you have requested, or to provide you with details or information about products, services or events of ours which we think may be of interest to you. Personal data may be transferred outside the European Economic Area, but if this is the case we will make this clear in our Privacy Notice on our website. By applying for an account with us, you agree to this transfer, storing and processing. Please address any questions, comments and requests regarding our data processing practices to our Data Protection Lead ▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ of Fosse House, .▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇, /▇▇▇▇▇▇▇▇▇, -▇▇▇▇, ▇▇▇ ▇▇▇). By agreeing to these terms and conditions and the Privacy Policy located on Our website, You agree to these uses of Your information. We use Industry standard encryption technologies when transferring and receiving customer information exchanged with Our web site. Your Insurance Booklet includes a claims procedure, which tells You what steps You should take if You wish to make a claim. You must notify the Claims Department of a claim or circumstance which may give rise to a claim as soon as possible. You will keep your information confidential be provided with every assistance in submitting a claim and seeking reimbursement. Full premiums are due before settlement of any claim. We, the insurer or claims handler shall be entitled (but we not obliged) without notice to You, to set off any amounts due from You against any amounts which We, the insurer or claims handler may share it with the following (who are also bound to keep it secure and confidential) if we have a duty to disclose it, if it is required for the management of your accounts, a law or regulation allows us to do so, or for legitimate business purposes: • your advisers (such as accountants, lawyers, financial advisers or other professional advisers) if you have authorised anyone like this to represent you, or any other person you have told us is authorised to give instructions or to use the account receive on your Your behalf (such as a power of attorneyclaims monies, refunded premiums and other sums); • our service providers and agents (including their sub-contractors). This may include for example, where we pass your details to someone who will print your statements; • credit reference agencies; • payment-processing service providers and others that help us process your payments; • UK and overseas regulators and authorities in connection with their duties (such as crime prevention) – for example, because of the way certain payments work the regulator or authority may be able to access payment details (including information about others involved in the payment). In instructing us to make payments you agree to this for yourself and any others involved in your payments; or • fraud prevention agencies. In particular we will always tell fraud prevention agencies if you give us false or fraudulent information. They will also allow other organisations (in the UK and abroad), including law enforcement agencies, to access this to this information in order to prevent and detect fraud, money laundering or other crimes.

PROTECTING YOUR INFORMATION. We safeguard the information we hold about you 11.1 Please note that take your privacy extremely seriously and we will obtain only use your personal details in line with our Privacy Policy. Please read our Privacy Policy carefully and process contact us immediately if you have any queries. Our Privacy Policy can be found online at ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇▇▇▇▇-▇▇▇▇▇▇/. If you’d like a copy of this, but do not have access to the internet, please call ▇▇▇▇▇ ▇▇▇ ▇▇▇. Where necessary, for example where we would like to use your data for some marketing purposes, we shall ask for your specific consent to do so. Your personal information about certain individuals such as beneficial owners, directors, trustees and additional authorised signatories and references to ‘you’ include those individuals as well as the account holder. This will involve a search of records held by Companies House, credit reference agencies and fraud prevention agencies. Such agencies not only provide company, credit and voters roll information, they can verify your identity, the identity includes all of the business details you have given us to process your insurance policy (we will not ask for more information than is necessary). We may share your data with Third Parties for the provision and beneficial owners, and also record the details of searches including previous applications. The information we hold about you comes from you, relevant third parties (Credit Reference Agencies) and from your use ongoing performance of your account and your interactions with usinsurance policy. Your data may be transferred outside the UK. We will typically processnot sell, in relation to each named contact at an organisation, your personal and contact details along with rent or trade your data under any circumstances. All of birth the personal information you supply to us will be handled strictly in accordance with the applicable Data Protection regulations and job titlelegislation. Please call us on ▇▇▇▇▇ ▇▇▇ ▇▇▇ if you need to notify us of a claim. You should contact us as soon as you become aware of any incident which could give rise to a claim. We may charge you for the work incurred in handling your insurance. These charges apply if you instruct us to arrange insurance, carry out a mid-term adjustment, renewal, cancellation or other work on your behalf. Any additional charges, if applicable, will process this data always be agreed with you in order advance of them becoming due. • New business – up to run and monitor £75.00 • Mid-term amendments – up to £75.00 • Cancellations – up to £75.00 plus the account (contractual obligation) and full commission payable for the policy • Issuing duplicate documentation – up to send you relevant information (contractual obligation / legitimate interest). We will keep these details on our files for as long as the account is open and for a period of no more than 12 years from account closure. £30.00 • Renewals – up to £75.00 If you would like to know more about how pay your premium by instalments we process your personal datashall inform you of any additional fees, please refer to the Privacy Notice on our website (printed version available on request). At times we will involve trusted third parties in the processing charges or interest as part of your personal data credit arrangements. You will receive a quotation which will tell you the total price to be paid, and where which identifies any fees, taxes and charges separately from the premium, before your insurance arrangements are concluded. In return for placing business with insurers and/or underwriters and/or other product providers, we do so receive a commission from them which is a percentage of the annual premium that you will find relevant details in our Privacy Noticeare charged with. If you would like to change the way we process your data You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business or arranging premium finance. Please be assured that at no time will the way in which we are remunerated conflict with our responsibilities to meet your needs and treat you fairly. Prior to your premium being forwarded to the insurer (or forwarded to you in the event of a premium refund) we hold your money as an agent of the insurer with which we arrange your insurance. Where we hold premium as the agent of the insurer it is regarded as received by the insurer. We may transfer your premiums to the insurer through another party, such as a broker or underwriting agent for the purposes of effecting a transaction. It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service you should contact our Customer Service Team on 01423 504 689 or email at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇.▇▇ or by letter at the address shown above. You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on ▇▇▇▇ or write to us at Data Protection, Charity Bank, Fosse House, ▇ ▇▇▇ ▇▇▇▇ and further information is available at ▇▇▇▇://▇▇, ▇.▇▇▇▇▇▇▇▇▇, ▇▇▇▇, ▇▇▇ ▇▇▇. Please note a £10 fee is payable. 11.2 We collect information about you to be able to provide our services to you and to inform the development of new and improved products and services to meet the needs of our customers. We also use your information for security, identity verification and training, to communicate with you and to comply with the law. Specifically, we may use your information to: • manage your account(s) with us; • carry out regulatory checks and meet our obligations to our regulators; • protect ourselves against harm to our rights and property interests; • develop and improve our services through assessment and analysis of the information including credit or behavioural scoring (or both), market and product analysis, and market research; • prevent and detect fraud and money laundering; • detect other crime (such as identity theft); • improve the relevance of marketing messages we may send you; and • we may also monitor or record any communications between you and us including, but not limited to, telephone calls. We will use these recordings to check your instructions to us, to analyse, assess and improve our services to customers, and for training and quality purposes. 11.3 We are the data controller for the purpose of current data protection legislation, including the General Data Protection Regulation (ICO registration Z6540626). By applying for an account with us you agree that we may process the personal information (including sensitive personal information) that we collect from you in accordance with our Privacy Notice, which you can request from us, or you can view on our website. In particular, we may use information we hold about you for the purposes of providing the products or services you have requested, or to provide you with details or information about products, services or events of ours which we think may be of interest to you. Personal data may be transferred outside the European Economic Area, but if this is the case we will make this clear in our Privacy Notice on our website. By applying for an account with us, you agree to this transfer, storing and processing. Please address any questions, comments and requests regarding our data processing practices to our Data Protection Lead ▇▇▇▇@▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇ of Fosse House, ▇.▇▇▇ ▇▇▇▇ /. If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected. We will provide a summary of our complaints handling procedures should you make a complaint which we cannot resolve informally and at any other time, upon your request. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, also without any upper limit. The compensation scheme does not apply to consumer credit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting ▇▇▇▇://▇▇, ▇.▇▇▇▇.▇▇▇.▇▇/ We and other firms involved in arranging your insurance (insurers or premium finance companies) may use public and personal data from a variety of sources including credit reference agencies and other organisations. The information is used to help tailor a price, ▇▇▇▇, ▇▇▇ ▇▇▇to ascertain the most appropriate payment options for you and to help prevent fraud. We Any credit reference search will keep appear on your information confidential but we may share it with the following (who are also bound to keep it secure and confidential) if we have a duty to disclose it, if it is required for the management of credit report whether or not your accounts, a law or regulation allows us to do so, or for legitimate business purposes: • your advisers (such as accountants, lawyers, financial advisers or other professional advisers) if application proceeds. If you have authorised anyone like any questions about this to represent you, or any other person you have told us is authorised matter, please do not hesitate to give instructions or contact us. We are obliged to use report to the account on your behalf (such as a power National Crime Agency any suspicion of attorney); • our service providers and agents (including their sub-contractors). This may include for example, where we pass your details to someone who will print your statements; • credit reference agencies; • payment-processing service providers and others that help us process your payments; • UK and overseas regulators and authorities in connection with their duties (such as crime prevention) – for example, because of the way certain payments work the regulator or authority may be able to access payment details (including information about others involved in the payment). In instructing us to make payments you agree to this for yourself and any others involved in your payments; or • fraud prevention agencies. In particular we will always tell fraud prevention agencies if you give us false or fraudulent information. They will also allow other organisations (in the UK and abroad), including law enforcement agencies, to access this to this information in order to prevent and detect fraud, money laundering or terrorist financing activity and we are prohibited from disclosing any such report. As insurance brokers we generally act as your agent in arranging your insurance and assisting you in the event of a claim. In certain circumstances we may act for and owe duties of care to insurers and/or other crimesparties. Where we become aware of any actual or potential conflict of interest, we will inform you of the situation, the options available to you and obtain your consent before we proceed. The insurers we use are regulated and are required to have adequate capital resources. However, we cannot guarantee the solvency of any insurer we place business with. An insolvent insurer may be unable to pay claims or may be unable to pay them in full and you may have to pay a further premium to pay for alternative insurance cover.

PROTECTING YOUR INFORMATION. We safeguard the information we hold about you 11.1 Please note that we will obtain and process All personal information about certain individuals such you will be treated as beneficial ownersprivate and confidential (even when you are no longer a customer), directors, trustees and additional authorised signatories and references to ‘you’ include those individuals as well as except where the account holder. This will involve a search of records held by Companies House, credit reference agencies and fraud prevention agencies. Such agencies not only provide company, credit and voters roll information, they can verify disclosure is made at your identity, the identity of the business and beneficial owners, and also record the details of searches including previous applications. The information we hold about you comes from you, relevant third parties (Credit Reference Agencies) and from request or with your use of your account and your interactions with us. We will typically process, consent in relation to each named contact at an organisationadministering your insurance, your personal and contact details along except where law requires us. Some or all the information you supply to us in connection with your insurance proposal may be passed on to DVLA, insurance and other companies for underwriting, claims, premium collection or debt recovery purposes. They will have access to shared claim databases and credit reference information. For taxi insurance, we may also validate your records with local authorities. Your data will be held in accordance with the), Data Protection Act 2018 under which you have a number of birth rights you can request such as: where we would like to use your data for some marketing purposes, we shall ask your specific consent to do so. access to your data, portability, and job title. We will process this data in order to run erasure, please see our Privacy Policy using the link below for full details of all your rights and monitor the account (contractual obligation) and to send you relevant information (contractual obligation / legitimate interest). We will keep these further details on our files for as long as the account is open and for a period of no more than 12 years from account closureprocessing. If you would like to know more about how we process your personal datahave any questions, please refer write to the Privacy Notice on our website (printed version available on request). At times we will involve trusted third parties in the processing of your personal data and where we do so you will find relevant details in our Privacy Notice. If you would like to change the way we process your data compliance manager at any time, you should contact ▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or write to us at Data Protection, Charity Bank, Fosse House, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇, ▇▇▇ ▇▇▇. Please note a £10 fee is payable. 11.2 We collect information about you to be able to provide our services to you and to inform the development of new and improved products and services to meet the needs of our customers. We also use your information for security, identity verification and training, to communicate with you and to comply with the law. Specifically, we may use your information to: • manage your account(s) with us; • carry out regulatory checks and meet our obligations to our regulators; • protect ourselves against harm to our rights and property interests; • develop and improve our services through assessment and analysis of the information including credit or behavioural scoring (or both), market and product analysis, and market research; • prevent and detect fraud and money laundering; • detect other crime (such as identity theft); • improve the relevance of marketing messages we may send you; and • we may also monitor or record any communications between you and us including, but not limited to, telephone calls. We will use these recordings to check your instructions to us, to analyse, assess and improve our services to customers, and for training and quality purposes. 11.3 We are the data controller for the purpose of current data protection legislation, including the General Data Protection Regulation (ICO registration Z6540626). By applying for an account with us you agree that we may process the personal information (including sensitive personal information) that we collect from you in accordance with our Privacy Notice, which you can request from us, or you can view on our website. In particular, we may use information we hold about you for the purposes of providing the products or services you have requested, or to provide you with details or information about products, services or events of ours which we think may be of interest to you. Personal data may be transferred outside the European Economic Area, but if this is the case we will make this clear in our Privacy Notice on our website. By applying for an account with us, you agree to this transfer, storing and processing. Please address any questions, comments and requests regarding our data processing practices to our Data Protection Lead ▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ of Fosse House, .▇▇▇ ▇▇.▇▇ ▇▇▇▇▇▇will not sell, ▇▇▇▇▇▇▇▇▇rent or trade your data under any circumstances. All the personal information you supply to us will be handled strictly in accordance with the applicable Data Protection regulations and regulations. The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, ▇▇▇▇you could be refused certain services, ▇▇▇ ▇▇▇finance or employment in future. We will keep Further details of how your information confidential but we may share it with the following (who are also bound to keep it secure will be used by us and confidential) if we have a duty to disclose itthese fraud prevention agencies, if it is required for the management of and your accountsdata protection rights, a law or regulation allows us to do socan be found by either reviewing our privacy policy on our portal, or by requesting information in writing or via chat or email. . To provide you with a quote, determine premium rates and assess the most appropriate payment options for legitimate business purposes: • your advisers (such as accountants, lawyers, financial advisers or other professional advisers) if you have authorised anyone like this to represent you, or any Freeway will make checks on the electoral roll and other person you have told us is authorised to give instructions or to use the account on your behalf (such as a power of attorney); • our service providers and agents (including their sub-contractors). This may include for example, where we pass your details to someone who will print your statements; • data through credit reference agencies; • payment-processing service providers and others that help us process your payments; • UK and overseas regulators and authorities in connection with their duties (such as crime prevention) – for example, because of the way certain payments work the regulator or authority may be able to access payment details (including information about others involved in the payment). In instructing us to make payments you agree to this for yourself and any others involved in your payments; or • fraud prevention agencies. In particular we will always tell The credit reference/fraud prevention agencies if you give us false agency may disclose that information, and the fact that a search was made, to its other customers for the purpose of assessing the risk of giving credit or fraudulent informationgranting insurance, to prevent fraud and to trace debtors. They A record of the check will also allow be held by the credit reference agency and will be visible to other organisations (and in the UK and abroad)case of a credit will be included in your credit score. If you choose to obtain quotes through several third parties, including law enforcement agencies, to access this to this information may result in order to prevent and detect fraud, money laundering or other crimesmultiple searches being visible on your record with the credit reference agency.

PROTECTING YOUR INFORMATION. We safeguard the information we hold about you 11.1 Please note that we will obtain and process All personal information about certain individuals such You will be treated as beneficial ownersprivate and confidential (even when You are no longer a customer), directors, trustees and additional authorised signatories and references to ‘you’ include those individuals as well as except where the account holder. This will involve a search of records held by Companies House, credit reference agencies and fraud prevention agencies. Such agencies not only provide company, credit and voters roll information, they can verify your identity, the identity of the business and beneficial owners, and also record the details of searches including previous applications. The information we hold about you comes from you, relevant third parties (Credit Reference Agencies) and from your use of your account and your interactions disclosure is made at Your request or with us. We will typically process, Your consent in relation to each named contact administering Your insurance including any related credit arrangement, or where We are required by law. Your information will be held by Us (including all companies within the Ripe Group) in accordance with data protection legislation (including the General Data Protection Regulation from 25th May 2018), under which You have a right of access to see personal information about You that is held in Our records, whether electronically or manually. If You have any queries, please write to the Data Protection Administration at an organisation, your personal and contact details along with your data of birth and job title. We will process this data in order to run and monitor the account Our address (contractual obligation) and to send you relevant information (contractual obligation / legitimate interestsection “About Us”). We will keep these details shall collect personal information when You register with Us, contact Us or place an order for Our services. We also collect information when You voluntarily complete insurance forms, customer surveys, provide feedback and participate in competitions. Should You visit Our website We shall also collect website usage information using cookies. We shall use Your personal information for: a) performing the services which You have requested; b) for delivering any prizes or discounts which You may be entitled to through promotions or competitions run by Us or Our partners; c) for any regulatory or legal purposes imposed on our files Us (for instance for reporting to the Financial Conduct Authority); d) for informing You about other services and products provided by Us or Our partners which may be of interest to You (where You have provided Your consent); and e) for any other legitimate interest of Ours such as long as for carrying out credit checks, preventing fraud, maintaining adequate records or for the account is open and recovery of unpaid debts. You have the right at any time to stop Us from contacting You for a period marketing purposes or giving Your information to companies outside of no more than 12 years from account closurethe Ripe Group. If you would like You no longer wish to know more about how we process your personal databe contacted for marketing purposes, please refer to the Privacy Notice on our website (printed version available on request). At times we will involve trusted third parties in the processing of your personal data and where we do so you will find relevant details in our Privacy Notice. If you would like to change the way we process your data at any time, you should contact e-mail ▇▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or write to us at Data Protection, Charity Bank, Fosse House, ▇.▇▇ . Some or all of the information You supply to Us in connection with Your insurance proposal may be passed to third parties including: a) insurance and other companies for underwriting, claims and premium collection purposes; b) service providers (such as Our partners in order to redeem any promotional offers or for Us to run a promotion); c) credit reference agencies; d) other sub-contractors who may assist Us in providing the services requested from You; and e) to Our partners for marketing purposes (where You have provided Your consent). We and/or the insurers or credit providers may use publicly available information from a variety of sources, including credit reference agencies and other external organisations, to verify Your identity or creditworthiness to avoid fraud and to obtain beneficial quotes and payment options on Your behalf. Each of these searches may appear on Your credit report whether or not Your application proceeds. For more information explaining how We use Your information please see Our Privacy Policy (▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇, ▇▇▇ ▇▇▇. Please note a £10 fee is payable. 11.2 We collect information about you to be able to provide our services to you and to inform the development of new and improved products and services to meet the needs of our customers. We also use your information for security, identity verification and training, to communicate with you and to comply with the law. Specifically, we may use your information to: • manage your account(s) with us; • carry out regulatory checks and meet our obligations to our regulators; • protect ourselves against harm to our rights and property interests; • develop and improve our services through assessment and analysis of the information including credit or behavioural scoring (or both), market and product analysis, and market research; • prevent and detect fraud and money laundering; • detect other crime (such as identity theft); • improve the relevance of marketing messages we may send you; and • we may also monitor or record any communications between you and us including, but not limited to, telephone calls. We will use these recordings to check your instructions to us, to analyse, assess and improve our services to customers, and for training and quality purposes. 11.3 We are the data controller for the purpose of current data protection legislation, including the General Data Protection Regulation (ICO registration Z6540626). By applying for an account with us you agree that we may process the personal information (including sensitive personal information) that we collect from you in accordance with our Privacy Notice, which you can request from us, or you can view on our website. In particular, we may use information we hold about you for the purposes of providing the products or services you have requested, or to provide you with details or information about products, services or events of ours which we think may be of interest to you. Personal data may be transferred outside the European Economic Area, but if this is the case we will make this clear in our Privacy Notice on our website. By applying for an account with us, you agree to this transfer, storing and processing. Please address any questions, comments and requests regarding our data processing practices to our Data Protection Lead ▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ of Fosse House, .▇▇▇ /▇▇▇▇ ▇▇▇▇▇▇, /▇▇▇▇▇▇▇▇▇, .▇▇▇▇). By agreeing to these terms and conditions and the Privacy Policy located on Our website, ▇▇▇ ▇▇▇You agree to these uses of Your information. We use Industry standard encryption technologies when transferring and receiving customer information exchanged with Our web site. Your Insurance Booklet includes a claims procedure, which tells You what steps You should take if You wish to make a claim. You must notify the Claims Department of a claim or circumstance which may give rise to a claim as soon as possible. You will keep your information confidential be provided with every assistance in submitting a claim and seeking reimbursement. Full premiums are due before settlement of any claim. We, the insurer or claims handler shall be entitled (but we not obliged) without notice to You, to set off any amounts due from You against any amounts which We, the insurer or claims handler may share it with the following (who are also bound to keep it secure and confidential) if we have a duty to disclose it, if it is required for the management of your accounts, a law or regulation allows us to do so, or for legitimate business purposes: • your advisers (such as accountants, lawyers, financial advisers or other professional advisers) if you have authorised anyone like this to represent you, or any other person you have told us is authorised to give instructions or to use the account receive on your Your behalf (such as a power of attorneyclaims monies, refunded premiums and other sums); • our service providers and agents (including their sub-contractors). This may include for example, where we pass your details to someone who will print your statements; • credit reference agencies; • payment-processing service providers and others that help us process your payments; • UK and overseas regulators and authorities in connection with their duties (such as crime prevention) – for example, because of the way certain payments work the regulator or authority may be able to access payment details (including information about others involved in the payment). In instructing us to make payments you agree to this for yourself and any others involved in your payments; or • fraud prevention agencies. In particular we will always tell fraud prevention agencies if you give us false or fraudulent information. They will also allow other organisations (in the UK and abroad), including law enforcement agencies, to access this to this information in order to prevent and detect fraud, money laundering or other crimes.