Privacy policy

L&C Real Estate (LCRE) is committed to protecting the privacy of the personal information which we gain from you whilst you use our website.

Who we are and our approach to your privacy.

In this Privacy Policy, 'we', 'us' and 'our' refers to LCRE.

LCRE is a division of Legal and Contingency Limited, who is a specialist insurance intermediary, arranging conveyancing and property title indemnity insurance. We will not be changing the way in which we use your personal information, but this Privacy Notice ensures that we continue to comply with the privacy law and regulations that are effective from 25 May 2018.

The privacy and security of your personal information is very important to us so we want to assure you that your information will be properly managed and protected whilst in our hands. Please read this notice carefully as it explains how we and/or carefully selected third parties we work with, collect and use your personal information.

Information we collect.

We collect information about you when you apply for a policy on behalf of a client, information relating to a prospective or insured party under a policy, details of any party making a claim under a policy, and if you contact us to make a complaint.

We collect information about previous, current and prospective policyholders; previous, current and prospective parties insured or to whom any benefit is payable under policies; claimants; experts instructed in relation to claims; brokers; solicitors, and licenced conveyancers or legal executives who are authorised to issue legal indemnities for their clients or other third parties.

The personal information that we collect will depend on your relationship with us. We will collect different information depending on whether you are a policyholder, insured party or beneficiary under a policy, claimant, expert, solicitor, licensed conveyancer, legal executive, or broker who is authorised to issue legal indemnity insurance for their clients or other third party.

If you provide personal information to us about other individuals, you agree:

to inform the individual about the content of this Privacy Policy; and
to obtain their consent where we indicate that it is required for the processing of that individual's personal data in accordance with this Privacy Policy.

We collect general information such as your name and address, contact details and relationship to the policyholder (where you are not the policyholder). This general information may include your professional work address and details of your permissions and whether you are authorised to issue legal indemnity insurance to your clients.

Information relevant to your insurance policy. This will depend on the nature of the policy but will usually include the name of the insured party and details of the property to be insured.

We also collect information relevant to a claim. This may include information relating to anyone who may be involved in the matter giving rise to a claim, and any parties acting in connection with the claim.

We will collect information relating to any previous policies or claims which may include information captured during our telephone calls.

This list is not exhaustive, and, in specific instances, we may need to collect additional data for the purposes set out in this policy.

Where we get the information

Directly from you or from someone else acting on your behalf. For example, if you are a policyholder, your solicitor, licenced conveyancer, legal executive or broker will provide details of your name and address to enable us to provide you with insurance that they deem you require.

From other third parties who provide a service in relation to your insurance policy or claim such as insurers, surveyors, claim handlers, experts, witnesses and other service providers

From expert's reports and counsel's opinions, from claims services providers, via publicly available sources such as internet search engines and social media sites, via insurance industry fraud prevention and detection databases and sanctions screening tools

From agencies such as the Financial Conduct Authority and from professional regulators and other professional bodies such as the Solicitors Regulation Authority and The Law Society.

How we use Cookies

Cookies are small text files that are stored on your device (computer, smartphone, tablet) when you visit a website. They allow the website to recognise your device and remember certain information about your visit, such as your preferences and actions. For further information about how we use cookies, please refer to our Cookie Policy.

How we use your personal information

We may process your information for a number of different purposes. When we process your information, we will always have valid legal grounds for doing so. When the information that we process is classed as sensitive personal information, we must have additional legal grounds for such processing such as the processing being necessary for the establishment, exercise or defence of legal claims.

We will only process your information for the following purpose; -

To verify your identity.
To manage any registered agency account(s) that you may hold with us and for keeping our business records up to date.
To offer, provide and administer a legal indemnity insurance policy.
To use your or your clients' information to administer legal indemnity insurance claims.
Where we have a legal or regulatory obligation to retain, disclose or process personal information that we have collected (for example in relation to an investigation by a public authority or in a legal dispute).
For crime and fraud prevention, detection and related purposes.
To be able to offer legal indemnity insurance services such as up to date paper packs and for improving our products/product range and services.
For the legitimate interest of contacting you electronically about promotional offers and products and services which we think may interest you.

With whom we share your information

We may disclose your information to the third parties listed below for the purposes described in this Privacy Policy.

The insurer that underwrites your policy.

The insurer will be shown on your policy documentation and we recommend that you review their Privacy Policy which will detail how they will use your data. For the full Privacy Policy please visit your Insurer’s website:

www.britinsurance.com/privacy or contact their Data Protection Officer at: The Leadenhall Building, 122 Leadenhall Street, London, EC3V 4AG

Data Protection Information | Munich Re or contact their Data Protection Officer at: Münchener Rückversicherungs-Gesellschaft, Aktiengesellschaft in München, Königinstrasse 107, 80802 Munich, Germany or on: datenschutz@munichre.com

Privacy - Personal Data | SCOR or contact their Data Protection Officer at: Claire Juillard, 5 Avenue Kleber, 75795 Paris Cedex 16, France, Email: privacy@scor.com

Other third parties who assist us in the administration of insurance policies such as surveyors, claims handlers, accountants, auditors, lawyers and other experts

Fraud detection agencies and other third parties who operate and maintain fraud detection registers

Investigative firms we ask to look into claims on our behalf in relation to suspected fraud

Statutory and industry bodies and regulation authorities

The police or law enforcement agencies for the prevention or detection of crime

Third-party service providers such as IT suppliers, actuaries, auditors, lawyers, marketing agencies, document management providers and tax advisers

Your information is not transferred, stored or processed outside the European Economic Area. If we do transfer your data in such a way it will be to a country which is considered to have equivalent data protection laws or we have taken all reasonable steps to ensure the firm has suitable standards in place to protect your information.

How long we keep your information

Where we issue a policy with an end date your personal information will be kept for the term of the policy and for a set period thereafter as is required in order to meet our legal and/or statutory obligations.

We will keep your information only for as long as is reasonably necessary for the purposes set out in this privacy notice and to fulfil our legal and regulatory obligations.

Your rights

You have a number of rights concerning the personal information we use, these include the right to:

ask for access to and a copy of your personal information.
ask us to correct or delete the personal information.
ask us to restrict or object to the use of your personal information at any time.
where you have previously given us your permission to use your personal information, withdraw that permission. Where your permission is withdrawn, your previous consent will remain valid in respect of our use of your information, prior to the date you withdrew it, or if any marketing material has been sent, prior to you advising that you do not wish us to contact you again.
complain to the Information Commissioner's Office at any time if you object to the way we use your personal information. For more information, please go to ico.org.uk

If you wish to exercise any of the above rights, please contact our Compliance Officer using the details provided in the 'contact us' section found below.

Please note that in some cases we may not be able to honour a request concerning your personal information, as this may result in us not being able to fulfil our legal and regulatory obligations. This may include holding the information for a minimum statutory period. If this is the case, then we will let you know our reasons.

We take the protection of your information very seriously and have robust privacy and security controls.

Our privacy policy will be updated in line with legislation, regulatory guidance, or technological advancements.

Contact us:

If you have any questions about how we collect, store or use your personal information, you may contact us at:

LCRE, Legal & Contingency Limited

60 Fenchurch Street

London EC3M 4AD

Tel: 020 7397 4343

Fax: 020 7397 4344

Email: enquiries@lcre.uk

Customer Service & Complaints Procedure

If you have any enquiries about our website or its content, please contact us at enquiries@lcre.uk or 60 Fenchurch Street, London EC3M 4AD or DX: 843 London/City Tel: 020 7397 4363.

Our aim is to provide our customers with the highest standards of service. In the unfortunate event that we fail to meet your expectations, we operate a complaints procedure.

Many concerns can often be resolved straight away, therefore in the first instance please get in touch with your usual contact as they will be able to provide you with immediate assistance to help resolve any issues you may have.

We will try to resolve any complaint within 3 business days of receipt and will issue a written response to you within 5 business days of receipt following resolution.

If your usual contact is unable to resolve matters to your satisfaction, please contact:

The Compliance Officer
LCRE, Legal & Contingency Limited
60 Fenchurch Street
London EC3M 4AD

If the matter is escalated or raised with the Compliance Officer, you can expect to receive an acknowledgment within 5 business days advising you who is dealing with the complaint and indicating when you may expect an answer. We will provide a response or an update as to the progress of our investigations within 14 calendar days of receipt of your complaint.

If further investigations or enquiries are necessary, and we are unable to provide you with a resolution and a formal written response within 4 weeks from receipt of the original complaint or if you remain dissatisfied with our response to your complaint,

a) if your policy has been underwritten by Certain Underwriters at Lloyd’s you may if you wish, refer your complaint to Lloyd's. Lloyd’s will investigate the matter and provide a final response. Lloyd's contact details are as follows:

Complaints
Market Services
Lloyd’s
One Lime Street
London

EC3M 7HA

Email: complaints@lloyds.com
Telephone: +44 (0)20 7327 5693
Fax: +44 (0)20 7327 5225
Website: www.Lloyds.com/complaints

b) if your policy has been underwritten by another insurer, we will continue to investigate your concerns in line with our complaints procedure and provide a final response within 8 weeks.

At each stage of the process, we will:

Advise you who is handling the complaint.
Advise you when you should expect to receive a detailed response.
Keep you advised of progress as matters develop.

And

The outcome will be explained to you in detail with full reasoning.
You will be advised of any further redress available to you should you believe the matter has not been resolved to your satisfaction.

Should you remain dissatisfied with our final response, or with Lloyd's final response, you may, if eligible, refer your complaint to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent and impartial service in the UK for settling disputes between consumers and businesses providing financial services.

You can contact them as follows:

Post: Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Email: complaint.info@financialombudsman.org.uk
Telephone: +44 (0)300 123 9 123

More information is available on their website: www.financial-ombudsman.org.uk

Access to our website

Messages sent over the internet cannot be guaranteed to be completely secure as they can be intercepted, lost or corrupted. We are therefore not responsible for the accuracy of the messages sent by email over the internet - whether from us to you or from you to us.

Due to the nature of the internet and the fact that your access to our website involves features outside our control, we are not responsible for any technical problems you may experience with our website. If you do experience technical problems, please use the 'contact us' facility on this website

Using Public Areas

Non-personal information – When you access any website, information is sent by your computer which identifies the network address you are connecting from. This information contains no personal information except to record that someone from that network address has accessed a certain page of a website. This information is used for system and network troubleshooting.

Personal information - When you use the Public Areas of our website, we do not collect any personally identifiable information about your use.

User conduct

When accessing or using any service provided on our website, you may not post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind. This includes, without limitation, any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law.

Web logs

Personal information given to LCRE will be used to provide the requested service, and we will use your contact details contained in your profile to communicate with you, e.g. to keep you informed of products and services which may be of interest. If you do not want the information provided to be used in this way, please let us know by emailing enquiries@lcre.uk with your full name and postal address. LCRE will not sell or rent your personal information to third parties for marketing purposes without your prior consent.

A cookie is a small piece of information, like a number or short piece of text, which your computer's web browser software can store on behalf of a website.

You can control whether you wish your browser to accept cookies, as it can be set up to accept, reject or ask about any cookie placement. However, cookies are often essential to the correct functioning of a website.

By using LCRE's website you are considered to provide consent to its use of cookies. The majority of these cookies are “essential cookies” – those without which the site is unable to function properly. They enable you to navigate the site and use its features and allow us to update content and upload documents. They do not collect personal information.

The site is also equipped with Google Analytics which enables cookies to identify unique visitors, track which pages are visited and track from whence visitors come. This information is used solely to aid our understanding of the user experience and assist in improving the effectiveness of the site. These cookies do not collect personal information. They can easily be disabled by your browser with cookies or JavaScript disabled.

Other websites

Where we provide, via LCRE, direct links to any other website not under LCRE's control, we accept no liability for the content of, or your use of, that other website. You should also be aware that these other websites have their own privacy policies online.

Intellectual property

Unless we have clearly stated otherwise, all intellectual property rights are our property. These include (but are not limited to) copyright in the graphic images, buttons, layout, and text contained in our website. You may not copy or distribute our website, except for your own personal use, in whole or in part, without our prior written consent.

Regulatory Information

LCRE is a division of Legal and Contingency Limited. Legal & Contingency Limited is authorised and regulated by the Financial Conduct Authority (FCA). These details can be checked on the FCA's register by visiting their website www.fca.gov.uk or by contacting them on 0800 111 6768.

Legal & Contingency Ltd is registered in England No. 3511606. Registered Office 60 Fenchurch Street, London EC3M 4AD

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Legal & Contingency Limited is a company registered in England and Wales under company number 03511606 and is regulated by the Financial Conduct Authority, with firm reference number 312376.

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