Privacy Policy

Introduction

This Privacy Policy applies to Elmar Risk Management Ltd. ("Elmar Risk Management Ltd", "we", "our", "us"), including all subsidiaries and affiliates. We understand your concern about how your information is used and shared, and we assure you that it will be handled with care.

By visiting an Elmar Risk Management Ltd website or interacting with us, you agree to this Privacy Policy. This policy is also subject to the Elmar Risk Management Ltd Master Services Agreement (MSA) related to the services you use or purchase. For any questions, please contact us using the information at the bottom of this Privacy Policy under ‘Contacting Us’.

Elmar Risk Management Ltd is committed to protecting your privacy. We provide details on what personal information we collect, how it's used, your options regarding its use and distribution, our security measures, and how to correct inaccuracies in the information we have collected from you.

What information is collected

We collect and store any information you provide on our websites or through other means such as phone, email, or online. For example, this includes details provided when you contact customer support.

We collect:

Contact Information: This includes your name, address, phone number, email, job title, and company name. We use this to communicate with you about transactions, customer support, meetings, and our products and services.

Financial Information: We collect financial details when you buy our products or services. For example, we need billing and payment info to invoice and receive payments. We do not sell, share, or rent your financial information except as disclosed in this Privacy Policy or to fulfill orders.

Demographic Information: We may collect anonymous demographic data (such as postcode, gender, age) to enhance your experience on our websites, provide relevant content, improve the Websites, and display content according to your preferences. Such demographic information may be shared with partners, market researchers and other third parties on an aggregate, non-personally identifiable basis. No personally identifiable information will be linked to such aggregated demographic information that is shared with third parties.

Other Information: We collect and store certain types of information whenever you interact with us. Our servers track your web browser type, IP address, and referral page to enhance security, analyse trends, and manage the website. This information helps us improve our services and understand user needs. With your consent, we may use this data for marketing and share aggregated, non-personally identifiable information with partners and researchers. We might also supplement collected data with publicly available information to verify or update your profile.

Telephone Recording and Monitoring: Elmar Risk Management Ltd may record or monitor calls to ensure quality service. Calls with customers or potential customers are reviewed to provide prompt, consistent, and professional assistance.

Cookies: We use cookies to improve your experience and website navigation. Cookies are text files added to your hard drive during visits, recording preferences and visit data. No personal information is extracted. Disabling cookies may affect website functionality and your user experience.

Third Party Cookies: We may employ third-party advertising companies to display ads on our behalf across the Internet. These companies may gather and utilize information about your visits to this and other websites and your interactions with our products and services to present advertisements about goods and services that might interest you. No personally identifiable information (such as your name, address, email address, or telephone number) is associated with this data. They may use information about your website visits to target advertisements for goods and services and monitor user responses to each advertisement. These targeted ads can appear on our websites or other websites you visit. The anonymous data is collected using pixel tags or cookies, which are common technologies used by most major websites. If you prefer these companies not collect this information, you have the option to opt-out.

Web Beacons: The Websites may use single-pixel GIFs or web beacons to track marketing campaign effectiveness without transmitting any personally identifiable information.

How we use cookies:

Both Elmar Risk Management and third parties make use of cookies when you visit websites. The following is a description of the types of cookies that we use, why they are used and details of the individual cookies.

Session Cookies

site_session - Used for session specific interactions

Website analytics cookies

bSession - Necessary for measuring and reporting of website performance.
XSRF-TOKEN - Ensures visitor browsing-security by preventing cross-site request forgery. This cookie is essential for the security of the website and visitor.
ssr-caching - This cookie is necessary for the cache function. A cache is used by the website to optimize the response time between the visitor and the website. The cache is usually stored on the visitor’s browser.
CookieConsent - Stores the user's cookie consent state for the current domain
Hs - Ensures visitor browsing-security by preventing cross-site request forgery. This cookie is essential for the security of the website and visitor.
svSession - This cookie is necessary for the login function on the website.
fedops.logger.sessionId - Technical cookie that synchronizes the website and the CMS. This is used to update the website.
platform_app_#-#-#-#-#_#-#-#-#-# - Preserves the visitor's session state across page requests.
_wixAB3|#-#-#-#-# - This cookie is used by the website’s operator in context with multi-variate testing. This is a tool used to combine or change content on the website. This allows the website to find the best variation/edition of the site.

Please note that if you delete your cookies, use a different browser, or buy a new computer, you will need to renew your opt-in choice.

How we use your information:

We use your personal data according to data protection laws, which require a legal basis for processing. Elmar Risk Management Ltd. relies on consent, legal obligations, contract performance, and legitimate interests.

Detailed below are examples of the types of processing we carry out.

Consent: We process your personal information based on your consent given for specific purposes. You can withdraw consent anytime by contacting us.

To market our products, services, workshops, and seminars to you
For using cookies on our website

Performance of a Contract: Where you take steps to enter a contract with us or to fulfil that contract with us.

To provide you with a quotation for services
To help us to identify you so we know who we are talking to. We may also check this information against publicly available information if required
To set up and manage your account
To manage queries, complaints and contact from you
To manage payments, including the recovery of debt

Legal Obligation: Where we are required by law, regulatory requirement or by way of a court order to provide information.

For the establishment and defence of legal rights
To assist you if you exercise your legal rights under data protection law
To assist relevant law enforcement agencies of government agencies where we have been asked to provide the information for legal or regulatory reasons
To comply with legal and regulatory requirements

Legitimate Interests: Where we have determined that the processing is within our business and/or customers interests

To manage queries, complaints, bookings and contact from you where you are not in contract with us
To provide you with information that we think may be of interest to you, including information on the data protection landscape, ICO sanctions and other external news.
To assist in debt recovery where such processes go beyond what is strictly necessary for the performance of a contract with you
To carry out internal monitoring, analysis, reporting and profiling
To monitor emails, calls and other communications from you
To append company information, including corporate email addresses, phone numbers and addresses obtained in the public domain to IP addresses, that may be collected when our website is visited.

How long we keep your personal data

We retain information as long as needed to provide services, manage our business, or comply with legal requirements. For contracts, data is kept for the contract duration plus 6 years to meet legal obligations, resolve disputes, and ensure site security. Contact us for specifics on data retention periods.

How we keep your personal data safe

Protecting your information is crucial to us. We use SSL software to encrypt your financial data during transmission. However, we cannot guarantee complete security as no method of online transmission or storage is fully secure. You can enhance your security by preventing unauthorized access to your computer and signing off shared devices. We restrict access to your personal data to only the necessary employees.

3rd parties we may share your information with

From time to time, we may pass your personal information to third parties who are providing us with a service which helps us to better serve our customers and our business.

The third parties we share with are as follows:

IP Fingerprint

An online tool that captures visitors' IP addresses, their website referral source, and company details like address, phone number, website, and email.

Debt collection agencies

In cases where there are outstanding invoices beyond the agreed payment terms, we may engage a debt collection agency to assist in the recovery of any amounts owed.

Law Enforcement & Regulatory Officials

Requests from police or other enforcement agencies, regulators, or public bodies may be fulfilled when required for legal or regulatory purposes.

Your rights regarding the personal data we hold include the following:

You have specific entitlements concerning how we handle your personal information.

Right to withdraw consent - If you’ve given us consent to process your personal information you have the right to withdraw that consent at any time by contacting us through any means.
Right to Object - to processing based on it being in our legitimate interests. If we process your data on this legal basis, you can object to our use of your personal information. Sometimes, we may continue if our interests override yours and do not cause you unjustified harm. We will balance these interests carefully. Refer to the section “How we use your information” for details on this processing.
Right of Access - to your personal information. You are entitled to see the personal information that we hold about you at any time, so you are aware of and can verify the lawfulness of how we are using it.

Right to Erasure - You have the right to have personal information deleted where it is no longer necessary for us to use it, you have withdrawn consent, or we have no legal basis to keep it.

Right to Rectification - You can ask us to change or complete any inaccurate, incomplete or incorrect personal information that we hold about you.
Right to Data Portability - You can ask us to provide you or a third party with some of the information we hold about you in a structured, commonly used electronic form so it can be easily transferred.
Right to Restriction - You can ask us to restrict the personal information we use about you where you believe it is inaccurate; you have asked for it to be erased or you have objected to our use of it.
Right to Complaint - If you are dissatisfied with how we handle or use your personal information, please contact us using the information below, and we will strive to resolve your complaint. If you believe your complaint remains unresolved, you have the right to contact the Information Commissioner’s Office (ICO), the supervisory body that regulates personal data handling in the UK. They may request that you contact us first to allow us the opportunity to address your concerns before they investigate.

The ICO can be contacted via their website at www.ico.org.uk, by phone on 030 123 1113, or by post at Information Commissioner’s Officer, Wycliffe House, Water Lane, Wilmslow, SK9 5AF.

Elmar Risk Management Ltd assumes no responsibility or liability regarding any theft, loss, alteration or misuse of personal or other information lawfully provided by Elmar Risk Management Ltd to third parties, or with regard to the failure of any third party to abide by this privacy policy or such third party.

Contacting Us

If you have questions or concerns regarding this Privacy Policy, you can contact us by the following methods

By email: elmarrisk@outlook.com

By phone: 07880322385

Through our website: www.elmarrisk.co.uk