Jove's privacy promise

Jove will only use your data in the way that we have described in this privacy notice. We promise to always tell you what we do with your data and protect your data as securely as if it were our own. We are here to help you whenever you need and always want you to know what is happening with your data.

Our Approach to Privacy

We know data protection can seem big and scary. At Jove we want you to know that we have your best interests at heart and part of that is making data protection simple and easy for you to understand. GDPR means that you have rights you never had before and all companies will be legally obliged to let you know what they are doing with your data. Jove embraces GDPR - so here is what we do with your data...

So, who are you?

The things we do with your data are different depending on your relationship to us.

a) What do we collect if you are visiting the website

If you are just visiting the website we do not collect your personally identifiable information. We do however use website tracking which can see some personal data (1).

If you are registering your interest for new products via the website we will collect your personally identifiable information (2)

  • 1. Tracking

    Through tracking we can see:

    • IP Addresses
    • Country / City of origin
    • Browser (Google Chrome / Safari, etc)
    • Internet Provider (Virgin media etc)
    • Device type - (Mobile, Tablet, Desktop)
    • Operating System (Mac OS 10.13.1, etc)

    Through these details alone we would not be able to identify who you are and we take extra steps to make event these details as unlinked to you as possible.

    Extra steps:

    • Scramble IP Addresses / make them unreadable.
    • Only collect Country /City of origin never specific addresses.

    Why do we collect it

    We track activity on our website to create a better experience for you, our website visitors. We want to make sure you can find everything you need and have all the information to fully understand Jove and our products.

    What we do with it and for how long

    We don’t share this data with anyone else and the data deletes every 30 days.

    Your rights

    Just to be clear - none of the information we collect can be traced back to you so it is not considered personal information. For instance - we would know that the same person was:

    • From London;
    • Clicked on three pages on the website;
    • Used a mobile phone to do it;
    • On internet provided by Virgin Media;
    • On the website right at this moment in time

    But, we would never know who that person really is or how to find them.

  • 2. Registering your interest

    What data do we collect and how do we collect it?

    We collect your name / contact details and sometimes the companies your work with through our web based forms when you register your interest for a new product.

    Is it legal?

    We collect this information under the lawful basis of consent.

    • Consent - In these cases it is your decision whether or not we process the data in that way and you are able to change your mind at any time.

    When we collect the information we will contact you directly in relation to the information you registered interest in unless you request for us to also contact you in other situations.

    There will also be an opt in button for marketing. You can opt out of marketing at any time by e-mailing support@jove.co.

    Does anybody else get the data and where is it?

    We use this information internally only to contact you in relation to what you are registering your interest for. The data is stored and kept within the EU. We will not send your data elsewhere.

    If you end up becoming a customer with Jove please see the privacy notice section in relation to Jove Customers for information on how we will then use your information.

    Personal information of others

    If you give us information about another person (for example a family member or a client), it is your responsibility to ensure and confirm that:

    • you have told the individual who Jove is and how we use personal information (as set out in this Privacy Notice); and
    • you have permission from this individual to provide their personal information (including any sensitive personal data) to us and for us to process it, as set out in this Privacy Notice.

    How long do we keep it for?

    We will keep this information for up to a year if you register your interest and do not become a customer. Unless you remove your consent in which case we will delete it within 1 month (under GDPR) or as soon as possible.

    If you end up becoming a customer with Jove please see the privacy notice section in relation to Jove customers for information on how long we will then keep your information.

What are your rights?

Now that the law has changed you have so many more rights than you had before! Below are all your rights in no nonsense language but just in case you want to know their official data protection name will be in bold .

You can exercise these rights at any time by e-mailing us at  support@jove.co

  • The right to know and understand what happens with your data

    Companies have to tell you now what happens with your data. We do this through our privacy notice and if it ever changes - we will always let you know. “The right to be informed

  • The right to get your personal data

    You can request all of the data we hold on you and there is no fee for doing so! This is the same for all companies and we must send you your data within 30 days now. “The right of access ”.

  • The right to change your personal data if it is incorrect

    Do you think something we hold on your is incorrect? We will do everything we can to make sure our information is accurate but if you can show us it is not just ask us to change it and we will. “The right to rectification

  • The right to have your data deleted

    You can ask us to delete your data if a) we no longer need it b) if you have given us your consent and now want to remove that consent c) we have got the data unlawfully. “The right to erasure

  • The right to stop us doing some things with your data

    You can ask us to a) make our data more accurate b) stop using your data if you think it we are using it illegally and you don’t want us to delete it just restrict what we are doing c) you don’t want us to delete it but do want us to stop using it whilst you are trying to make a legal claim d) we are using legitimate interests to use it and you do not agree we have them. “The right to restriction

  • The right to have your data so you can use it elsewhere

    If you want the data you gave us so that you can give it to someone else - even another insurance provider - we can give it to you. “The right to data portability

  • The right to say no

    You can say no to a) direct marketing b) to use using your data for ‘public tasks’ or ‘legitimate interests’ or ‘research purposes’ “The right to object

  • You have the right to withdraw your consent - at any time

    We ask for your consent to contact you about things that are not directly to do with your current contract with us. For marketing, for offers and maybe in the future for new things. When we ask you consent you can at any time change your mind.

 

Who can you contact?

If you would like to contact someone at Jove in regards to your personal data you can email us:

Support@jove.co

Changes to this Privacy Notice

We may amend this Privacy Notice from time to time.

 

b) What do we collect if you are Jove’s customers

What data do we collect and how do we collect it?

  1. When you sign up for personal insurance products through Jove directly or become insured through one of our partners we get following information directly from you:
    • User Information : Names, date of birth, gender, country.
    • Contact details : Email address, phone number, home address.
    • Identity documents : ID card
    • Payment details : card details, bank account details.
    • Details about your profession or gadget depends on the product you choose
  2. We use Automated Decision Making (ADM) based on the information you provide to assess whether you meet the underwriting criteria for the insurance product you have selected.

You have the right to request someone to review the decision made.

  1. We then perform checks to make sure we can insure you and to double check this information. We get the following information from those checks:
    • Past claims - More specific details on your past claims such as which insurer you claimed under and the policy that was affected.
    • Identity validation - Checking against the information you gave us to make sure it is all correct.

Is it legal?

We collect all of this information so that we can provide you with insurance. Depending on what data it is we have different lawful bases for collecting/using it.

  • Performance of contract - Most of the things we do and data we collect is because we need to in order to provide you with your insurance. For example when we need to make you policy documents, provide you with cover or make sure we can cover you. Our use of Automated Decision Making also takes place for the performance of a contract.
  • Legal obligation - Sometimes the law tells us what we need to do with your data. For example when we are running checks on your data we are doing it to meet regulatory or legal requirements and we have to legally keep your data for certain amounts of time.
  • Consent - Sometimes we may process your data and we will ask for your consent. In these cases it is your decision whether or not we process the data in that way and you are able to change your mind at any time. An example of this will be for marketing - you can choose to receive it or not at any time straight from your account.
  • Legitimate Interests - We may need to process your data for the legitimate interests of improving our products and services.

Does anybody else get the data and where is it?

We are the data controller for your information. We do use other people to process some of your data and in some cases the Insurers we use will be considered the joint controller of your information.

We share your information with the following (processors):

  • Insurers/Intermediaries/reinsurers : To administrate your insurance
  • Claims processors : To deal with your claims
  • Premium finance : When we need to arrange your credit
  • Government, regulatory and legal bodies including the Financial Ombudsman Service and the FCA- to make sure we meet our legal requirements.
  • Identity/fraud/legal check providers
  • Payment services : We use Stripe to process your payments and Xero to run finance reports. We may use your bank for payments and refunds.
  • Work Providers : We may contact your work providers if needed to in relation to your insurance.
  • People who contact us on your behalf : Friends or family if you have given your consent. This could also include lawyers, criminal offices or others who contact us legally on your behalf - once we have verified their identity.
  • Service providers : Zendesk for customer service, Amazon for our databases, Google and slack for our internal correspondence and other providers in order to run our day to day business.

All of our services are in the EU where we are able to have them. We have safeguards in place including contractual clauses to ensure where the data is processed outside of the EU the company meets the standards as required by the EU law.

Personal information of others

If you give us information about another person (for example a family member or a client), it is your responsibility to ensure and confirm that:

  • you have told the individual who Jove is and how we use personal information (as set out in this Privacy Notice); and
  • you have permission from this individual to provide their personal information (including any sensitive personal data) to us and for us to process it, as set out in this Privacy Notice.

How long do we keep it for?

We will keep your information for as long as you are a customer with us and after that for as long as the law denotes. We keep:

  • Claims information for 3 years after settlement based on the Data Protection Regulation.
  • Complaints information for between 3 and 7 years based on Data Protection Regulation, HMRC and Financial Services guidelines.
  • Financial data for between 7 and 10 years based on the Companies Act and HMRC.
  • Sales information for 6 years based on HMRC requirements.
  • Contract information for at least 6 years based on the Limitations Act 1980.
  • Policy documents/ schedules and disclosures for up to 12 years after they lapse based on industry standards.

What are your rights?

Now that the law has changed you have so many more rights than you had before! Below are all your rights in no nonsense language but just in case you want to know their official data protection name will be in bold .

You can exercise these rights by e-mailing us at  support@jove.co

  • The right to know and understand what happens with your data

    Companies have to tell you now what happens with your data. We do this through our privacy notice and if it ever changes - we will always let you know. “The right to be informed

  • The right to get a copy of your personal data

    You can request all of the data we hold on you and there is no fee for doing so! This is the same for all companies and we must send you your data within 30 days now. “The right of access ”.

  • The right to change your personal data if it is incorrect

    Do you think something we hold on your is incorrect? We will do everything we can to make sure our information is accurate but if you can show us it is not just ask us to change it and we will. “The right to rectification

  • The right to have your data deleted

    You can ask us to delete your data if a) we no longer need it b) if you have given us your consent and now want to remove that consent c) we have got the data unlawfully. “The right to erasure

  • The right to stop us doing some things with your data

    You can ask us to a) make our data more accurate b) stop using your data if you think it we are using it illegally and you don’t want us to delete it just restrict what we are doing c) you don’t want us to delete it but do want us to stop using it whilst you are trying to make a legal claim d) we are using legitimate interests to use it and you do not agree we have them. “The right to restriction

  • The right to have a copy of your data your data so you can use it elsewhere

    If you want the data you gave us so that you can give it to someone else - even another insurance provider - we can give it to you. “The right to data portability

  • The right to say no

    You can say no to a) direct marketing b) to use using your data for ‘public tasks’ or ‘legitimate interests’ or ‘research purposes’ “The right to object

  • The right to ask us to use people instead of computers to make our decisions

    We use computers sometimes to help us - everyone does these days! We use computers to make sure you meet our underwriting criteria, to make sure your data is accurate and for verification or identity checking. If you think the decision that has been made is incorrect or unfair or just are not happy with it you can ask us to have a human being review the decision. “Rights related to automated decision making including profile

  • You have the right to withdraw your consent - at any time

    We ask for your consent to contact you about things that are not directly to do with your current contract with us. For marketing, for offers and maybe in the future for new things. When we ask you consent you can at any time change your mind.

Managing your marketing preferences

We may:

  • provide you with new product information and offers for Jove’s products and services via marketing tailored to you, whether on Jove, or by direct marketing (e.g. phone, e-mail, text, social networking channels, post); and
  • use information we hold about you to help us identify, tailor and package our products and services, determine pricing and offer discounts that may be of interest to you.

We want you to have control over how we use your information to make offers and how we communicate these to you.

We will always give you the opportunity to select the types of marketing that you would like to receive when you complete a registration with us or receive any email, text or other direct marketing communication.

You can change your marketing preferences to 'opt out' at any other time by contacting us at support@jove.co.

We will not use sensitive personal details (such as information relating to your health record or any criminal issues) in order to provide you with marketing, discounts or pricing unless you have given your explicit consent to allow us to use this information for these purposes.

Who can you contact?

If you would like to contact someone at Jove in regards to your personal data you can email us:

support@jove.co

 

Information we collect through Cookies and similar technologies

We collect information through "Cookies" and other similar technologies (e.g. pixel tags or links), to remember you when you visit the Websites so we can improve your online experience to suit your needs. These help us understand how you and others use our Websites, use our services and respond to our advertising, so we can tailor direct marketing and enhance our overall service offering.

We may also use your information in anonymised form (so that you cannot be identified) to analyse how people use our Websites, view our services and respond to our advertising. When you receive direct marketing from us via email, we may use also use technology e.g. pixel tags or links to determine your use of and interest in our direct marketing.

To find out more about Cookies and related technologies please read our separate Cookie Policy.

Security

We are committed to protecting the confidentiality and security of the information that you provide to us and we put in place appropriate technical, physical and organisational security measures to protect against any unauthorised access or damage to, or disclosure or loss of, your information.

You should also be aware that communications over the internet, such as e-mails, are not secure unless they have been encrypted. The Website may contain links to other Jove and other third party websites. These other websites will be subject to their own privacy policies which may differ from this Privacy Policy. You should carefully read the privacy policies of these websites before submitting any personal information.

Changes to this Privacy Notice

We may amend this Privacy Notice from time to time for example, to keep it up to date or to comply with legal requirements we will let you know if and when we do.