1. Introduction
Bulwark Insurance Agency Ltd. is committed to protecting your privacy and safeguarding your personal data. This Privacy Notice explains how we collect, use, disclose, and safeguard your personal data, including the personal data of minors, and comply with the Data Protection Act and its Regulations when you visit our website, use our services or engage with us. Please read this notice carefully to understand our views and practices regarding your personal data and how we will treat it.
2. Category of Personal Data We Collect
We may collect and process the following data about you:
- Personal Identification Information: Name, address, email address, phone number, date of birth, and other contact details.
- Financial Information: Bank account details, payment card information, and other financial data.
- Insurance Information: Policy details, claims history, and other related information.
- Technical Data: IP address, browser type, operating system, and other technical data collected through cookies and similar technologies.
3. Categories of Data Subjects
The categories of data subjects whose personal data we may process on our website
include:
- Individuals who may include minors (individuals under the age of 18).
- Parents or legal guardians of minors.
- General public.
4. How We Use Your Personal Data
We use the information we collect in the following ways, including:
- To provide, operate, and maintain our services, including communicating with minors and their parents/guardians.
- To improve, personalise, and expand our services, including tailoring to the needs of minors.
- To process your transactions and manage your policies.
- To communicate with you, including customer service and support.
- To comply with legal obligations and protect our legal rights.
5. Legal Basis for Processing
We may process your personal data based on the following legal grounds:
- Consent: This includes consent from the parent/guardian. We may process your data if you have given us specific consent or consent is given on behalf of a minor by the parent/guardian to use your personal data for a specific purpose.
- Legitimate Interests: We may process your data when it is reasonably necessary to achieve our legitimate business interests.
- Performance of a Contract: Where we have entered into a contract with you, we may process your personal data to fulfil the terms of our contract.
- Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process.
- Vital Interests: We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.
6. Data Sharing and Disclosure
We may share your information with:
- Service Providers: Third-party vendors who provide services on our behalf.
- Data Processors: Any legal or natural person who may process personal data on our behalf for operational purposes.
- Legal Authorities: When required by law or to protect our legal rights.
In relation to minors, we do not share or disclose personal data of minors with third parties, except as required by law or with the explicit consent of the parent/guardian.
7. Data Security
We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. However, despite our safeguards and efforts to secure your data, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorised third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. In the event of a security breach, we will notify the Office of the Information Commissioner and affected data subjects at the earliest possible time and in accordance with the law.
8. Data Retention
We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected and to comply with legal obligations.
9. Your Rights
Under the Jamaica Data Protection Act, you have the following rights, subject to certain conditions:
- Right of Access: To request a copy of the personal data we hold about you.
- Right to Rectification: To request correction of inaccurate or incomplete data.
- Right to Erasure: To request deletion of your personal data.
- Right to Restrict Processing: To request restriction of processing your personal data.
- Right to Data Portability: To request transfer of your personal data to another organisation.
- Rights related to automated decision-making: To object to decisions based exclusively on the automated processing of your personal data
In the case of a minor, the rights may be exercised by a parent or legal guardian of the minor or by the minor in any case where the law recognises the capacity of the minor to act in the matter to which the personal data relates.
In case of mental impairment, where an individual is unable to act, the rights may be exercised by the individual’s nearest relative, within the meaning under the Mental Health Act.
As the data controller, we are committed to effectively and efficiently managing your requests to exercise your rights. In that regard, we will respond to your request at the earliest possible time, and in accordance with the applicable law.
10. Changes to This Privacy Notice
We may update this Privacy Notice from time to time. We will notify you of any changes by posting the new notice on our website.
11. Contact Us
If you have any questions or concerns about this Privacy Notice or our personal data practices, please contact us at:
Bulwark Insurance Agency Ltd.
17 Tangerine Place, Kingston, St Andrew
Phone: (876) 613-0614
Email: Info@bulwarkja.com