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  • AXA Privacy Policy

    UPDATED: NOV 22, 2016

    AXA Insurance UK plc (“AXA”) is part of the AXA Group of companies and underwrites the protection provided by Trōv in the UK. This privacy policy applies to the information obtained by AXA when someone chooses to protect an item, or group of items, through Trov.  Trov and AXA are separate entities and have independent privacy policies.  To view the Trov Privacy Policy click here.

    AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our registered number is 202312. Our registered address is 5 Old Broad Street, London, EC2N 1AD. Registered in England and Wales number 78950.

    This privacy policy exists to explain how we (AXA) collect, use, disclose, transfer and store your information when you purchase protection through Trov.

    By purchasing protection through  Trov you are deemed to have accepted this Policy. If you do not agree with this policy, then please refrain from accessing or using Trov to purchase insurance.

    Any personal information you supply to AXA via  Trov (and by other means) will be treated in accordance with the Data Protection Act 1998 and other legislation intended to protect your personal information and privacy.

    We may revise the Privacy Policy at any time by amending this page. For this reason we recommend that you read this statement regularly.

    What information do we collect?

    To effectively provide protection for the things you own we are required to collect some personal information about you and the item(s) you are protecting.  We only receive information about you or anything within your Trov when you choose to purchase protection.
    If you purchase protection with Trov we collect personal information including, your email, phone number, home address, age, information about protected items and details related to transactions, claims and other communications.

    What will the information be used for?

    We collect personal information so that we can:

    • identify you and conduct appropriate checks;
    • understand your requirements and provide you with a product or service;
    • set up, administer and manage our products and services, including the management and administration of underwriting and claims
    • assess and investigate any claims you make under one or more of our products;
    • manage, train and develop our employees and representatives;
    • manage complaints and disputes, and report to dispute resolution bodies; and
    • get a better understanding of you, your needs, your behaviours and how you interact with us, so we can engage in product and service research, development and business strategy including managing the delivery of our services and products via the ways we communicate with you.
    • to safe-guard against fraud and money laundering. We are required to report details of some suspicious activities to the National Crime Agency (NCA).

    Who will we share it with?

    We do not disclose your information to anyone outside the AXA Group except:

    • where we have your permission; or

    • where we are required or permitted to do so by law or by regulatory bodies; or
    • to other companies who provide a service to us or you, including if you make a claim; or
    • where it is necessary for the performance of an agreement we have with you; or
    • for fraud prevention purposes (See “Preventing & Detecting Fraud” for more); or
    • for reinsurance purposes; or
    • where we may transfer rights and obligations under this agreement.

    Disclosure of your information to a third party outside of the AXA Group will only be made where the third party has agreed to keep your information strictly confidential and use it only for the specific purpose for which we provide it to them.

    We may transfer your information to other countries including those located outside the European Economic Area. If we do this we will seek to ensure that anyone to whom we pass it provides an adequate level of protection.

    Third party links

    The Trov app may contain links to other websites which are outside our control and are not covered by this Privacy Policy. If you access other websites using the links provided, the operators of these websites may collect information from you which will be used by them in accordance with their privacy policy, which may differ from ours.

    Preventing and detecting fraud

    To help keep premiums low we do participate in a number of industry initiatives to prevent and detect fraud. To help prevent crime we may at any time:

    • share information about you with other organisations and public bodies including the police;
    • share information about you within the AXA Group and with other insurers;
    • pass the details you have supplied to recognised centralised insurance industry applications, policy and claims checking systems (for example,CUE and CIFAS) where those details will be checked and updated;
    • load your details and any information or documents you provide us to the Insurance Fraud Register. This may affect future applications for insurance products.
    • check the details you have supplied with fraud prevention agencies and databases including publicly available data (for example on County Court Judgements, bankruptcy information and electoral role data). If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering;
    • periodically search records held by fraud prevention and credit reference agencies to:
      • help make decisions on insurance policies and claims for you and your financial associates;
      • trace people who owe money, recover debt, prevent fraud and to manage your insurance policies;
      • check your identity to prevent money laundering;
      • carry out credit searches, electoral roll searches and further fraud searches.

    For more information about the agencies with which we share your data, including further details explaining how the information held by fraud prevention agencies may be used, please email us at informationsharing@axa.com.

    Further information

    Under the terms of the Data Protection Act 1998, you are entitled to request a copy of the personal data AXA Insurance holds about you. To do this, please contact us with full details of what you require by email at dataprotection.ins@axa-insurance.co.uk or in writing to the Data Protection Manager, Civic Drive, Ipswich, IP1 2AN. A cheque or postal order for £10 payable to AXA Insurance will be required.

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