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 xxxxxxxxx@xxxxxxxxxxx.xxx or write to us at Data Protection, Charity Bank, Fosse House, 000 Xxxx Xxxxxx, Xxxxxxxxx, Xxxx, XX0 0XX. 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 xxxx@xxxxxxxxxxx.xxx of Fosse House, 000 Xxxx Xxxxxx, Xxxxxxxxx, Xxxx, XX0 0XX. 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 at an organisationadministering Your insurance including any related credit arrangement, your personal and contact details along with your data of birth and job title. or where 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 xxxxxxxxx@xxxxxxxxxxx.xxx or write to us at Data Protection, Charity Bank, Fosse House, 000 Xxxx Xxxxxx, Xxxxxxxxx, Xxxx, XX0 0XX. 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 are required by law. Specifically, we may use your Your information to: • manage your account(swill be held by Us (including all companies within the Ripe Group) in accordance 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, 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 Our address (ICO registration Z6540626section “About Us”). By applying for an account with us you agree that we may process the We shall collect personal information (including sensitive 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 informationinformation for: a) that we collect from you in accordance with our Privacy Notice, performing the services 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 You have requested, ; b) for delivering any prizes or discounts which You may be entitled to provide you with details through promotions or information competitions run by Us or Our partners; c) for any regulatory or legal purposes imposed on Us (for instance for reporting to the Financial Conduct Authority); d) for informing You about products, other services and products provided by Us or events of ours Our partners which we think may be of interest to youYou (where You have provided Your consent); and e) for any other legitimate interest of Ours such as for carrying out credit checks, preventing fraud, maintaining adequate records or for the recovery of unpaid debts. Personal data You have the right at any time to stop Us from contacting You for marketing purposes or giving Your information to companies outside of the Ripe Group. If You no longer wish to be contacted for marketing purposes, please e-mail xxxxxxxxxxxxxx@xxxxxxxxxxxxx.xx.xx . Some or all of the information You supply to Us in connection with Your insurance proposal may be transferred outside the European Economic Areapassed to third parties including: a) insurance and other companies for underwriting, 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 claims and processing. Please address any questions, comments and requests regarding our data processing practices to our Data Protection Lead xxxx@xxxxxxxxxxx.xxx of Fosse House, 000 Xxxx Xxxxxx, Xxxxxxxxx, Xxxx, XX0 0XX. We will keep your information confidential but we may share it with the following (who are also bound to keep it secure and confidentialpremium collection purposes; b) 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 service providers (such as accountantsOur 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, lawyersincluding credit reference agencies and other external organisations, financial advisers to verify Your identity or other professional adviserscreditworthiness 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 (xxx.xxxxxxxx.xx.xx/xxx/xxxxxxx.xxxx). 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 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 not obliged) if you have authorised anyone like this without notice to represent youYou, to set off any amounts due from You against any amounts which We, the insurer or any other person you have told us is authorised to give instructions or to use the account claims handler may 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 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 at an organisationadministering Your insurance including any related credit arrangement, your personal and contact details along with your data of birth and job title. or where 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 xxxxxxxxx@xxxxxxxxxxx.xxx or write to us at Data Protection, Charity Bank, Fosse House, 000 Xxxx Xxxxxx, Xxxxxxxxx, Xxxx, XX0 0XX. 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 are required by law. Specifically, we may use your Your information to: • manage your account(swill be held by Us (including all companies within the Ripe Group) in accordance 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, 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 Our address (ICO registration Z6540626section “About Us”). By applying for an account with us you agree that we may process the We shall collect personal information (including sensitive 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 informationinformation for: a) that we collect from you in accordance with our Privacy Notice, performing the services 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 You have requested, ; b) for delivering any prizes or discounts which You may be entitled to provide you with details through promotions or information competitions run by Us or Our partners; c) for any regulatory or legal purposes imposed on Us (for instance for reporting to the Financial Conduct Authority); d) for informing You about products, other services and products provided by Us or events of ours Our partners which we think may be of interest to youYou (where You have provided Your consent); and e) for any other legitimate interest of Ours such as for carrying out credit checks, preventing fraud, maintaining adequate records or for the recovery of unpaid debts. Personal data You have the right at any time to stop Us from contacting You for marketing purposes or giving Your information to companies outside of the Ripe Group. If You no longer wish to be contacted for marketing purposes, please e-mail xxxxxxxxxxxxxx@xxxxxxxxxxxxx.xx.xx . Some or all of the information You supply to Us in connection with Your insurance proposal may be transferred outside the European Economic Areapassed to third parties including: a) insurance and other companies for underwriting, 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 claims and processing. Please address any questions, comments and requests regarding our data processing practices to our Data Protection Lead xxxx@xxxxxxxxxxx.xxx of Fosse House, 000 Xxxx Xxxxxx, Xxxxxxxxx, Xxxx, XX0 0XX. We will keep your information confidential but we may share it with the following (who are also bound to keep it secure and confidentialpremium collection purposes; b) 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 service providers (such as accountantsOur 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, lawyersincluding credit reference agencies and other external organisations, financial advisers to verify Your identity or other professional adviserscreditworthiness 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 (xxx.xxxxxx0xxxxx.xx.xx/xxxxxxx-xxxxxx). 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 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 not obliged) if you have authorised anyone like this without notice to represent youYou, to set off any amounts due from You against any amounts which We, the insurer or any other person you have told us is authorised to give instructions or to use the account claims handler may 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.