Privacy Policy

About us

Abbeygate Insurance Brokers LTD Sucursal ("Abbeygate Insurance") is committed to protecting the privacy and confidentiality of all individuals. We abide by the rules of the General Data Protection Regulation (GDPR) and are authorised and regulated by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) to advise on and/or arrange insurance products. This includes processing any personal data lawfully, fairly and in a transparent manner.

What information do we collect about you, and why?

As a brokerage and as part of our service we will only collect information from you so that we can advise on and arrange products that may be suitable for you. In the financial services industry we call this fact-finding — it provides us with the information we need to recommend a product that meets your circumstances and requirements.

When obtaining information from you we will do so by phone, email or post, and will confirm the accuracy of the data collated. It is important that all the data we hold on you is accurate so that we can advise on and arrange suitable products.

The types of information we collect include: contact details, occupation, income and expenditure, credit details, insurance requirements, existing policies, bank details. In addition, we may collect sensitive personal data such as medical conditions or criminal offence data where required to arrange a policy on your behalf.

Contact details received from a third-party lead generator

Occasionally we may receive your contact details from a third-party lead generator to whom you have expressed an interest in the products or services we offer. Where we use lead generators we require that they have obtained your consent and have made it clear that they will pass your details on to a firm such as ours, and that you will be expecting us to contact you.

Information from other sources

We may obtain information from other sources, such as public records, if required. This is to enable us to verify who you are or facts that you have told us are accurate.

How will we use this information?

We will only use your data in ways that you would reasonably expect us to. We use the information to research the market on your behalf, prepare a personalised quotation, arrange the policy with the chosen insurer, contact you at renewal or review, assist with claims or complaints, and (with your consent) keep you informed of new products or offers. Telephone calls may be monitored and/or recorded for training purposes and complaint handling. Where we record the call you will be informed.

The lawful basis on which we use this information

We process your data using the lawful basis of "legitimate interests" — the most suitable basis under GDPR for arranging insurance policies, and consistent with ASF rules.

Who will it be shared with?

If you proceed to take out a policy then we will pass your details to the insurer the policy will be arranged with. If you wish to use a credit facility to pay for your insurance, we may provide Close Brothers Finance with your details and arrange payment through them. Where we assist with a claim we will liaise with the insurer and the loss adjuster appointed to your case.

Where required we may forward your details to regulatory authorities or fraud agencies where we have a legal obligation to do so.

Security of personal information

We will not share any of the information you provide with third parties for marketing purposes, or store any of your information outside of the European Economic Area. The information you provide will be held securely by us regardless of whether the information is in electronic or physical format. We use leading technologies and security measures to safeguard your information.

How long will we retain your data?

We will only hold data for no longer than is necessary. Where we have arranged a policy on your behalf we will keep your file (including personal data and any call recording) on record for a minimum of six years, in line with our regulatory obligations with ASF.

Your rights

You have the right to:

• Be informed about how we use, share and store your personal information;
• Request access to the personal data we hold on you (a Subject Access Request) — we will respond promptly and within one month;
• Request your personal data is amended if inaccurate or incomplete;
• Request your personal data is erased where there is no compelling reason for its continued processing;
• Request that the processing of your data is restricted;
• Object to your personal data being processed;
• Rights in relation to automated decision-making and profiling (we do not use these systems).

Where the processing of your data is based on your consent, you have the right to withdraw this consent at any time by contacting us by phone or email.

Marketing

Where we need your consent we will ask for it separately — no pre-ticked boxes. Your consent must be freely given by positively opting in. You may withdraw your consent at any time by contacting us by email or phone. Where consent is obtained, we will record what you have consented to, the time and date, and how consent was obtained.

Cookies and this website

We use measurement cookies and similar technologies only after you actively accept them in our cookie banner. They help us understand which pages, quote journeys and adverts lead to quote requests. This choice covers abbeygate.com and our online quote pages. If you reject, Google Tag Manager is not loaded and no measurement data is sent to Google or Microsoft. You can change your choice at any time using Cookie settings.

If you arrive from a search engine, a Google advert or our Google Business Profile, your browser keeps a short code naming that source for the current tab only and adds it to our quote links. It contains no search terms, advert identifiers or personal data, is not sent to Google, and is linked to your quotation only if you tick the referral choice on the quote page.

• ag_country — a first-party cookie that remembers which country site you chose (Cyprus, Greece or Portugal) so we can take you back to it on your next visit. It contains no personal data and expires after 90 days. This is a strictly functional preference cookie and does not require consent under the ePrivacy rules.
• ag_analytics_consent — a first-party cookie that remembers whether you accepted or rejected measurement cookies. It contains no personal data and expires after 180 days.
• Microsoft Azure analytics — interaction events are stored in Abbeygate’s Azure workspace for 30 days. Event records use a masked IP address and contain no names, contact details, quotation answers, payment data, user IDs or session IDs. No analytics identifier cookie is created. Microsoft processes the network connection required to receive these events.
• Google Tag Manager, Google Analytics and Google Ads — loaded only after you accept. Google may set cookies and process online identifiers, such as your IP address and device information, together with the pages you view, to measure visits and which adverts lead to quote requests. When you complete an online quote request we tell Google only the insurance type and country; we do not send quotation answers, contact details, prices or payment information. Google acts under its own terms, described in How Google uses information from sites that use its services.
• Google Maps — the map on our contact page is only loaded after you click "Show map". Loading it lets Google set its own cookies, subject to Google's privacy policy. If you do not click, no Google cookies are set. Your choice is remembered in your browser's local storage.

You can change or withdraw your measurement choice at any time using the Cookie settings control on this website, or delete cookies and local storage through your browser settings.

Right to complain

If you are unhappy with the way we have used your data, please notify Andrew Francis using the contact details below. You may also raise data-protection concerns directly with the Comissão Nacional de Protecção de Dados (CNPD) — www.cnpd.pt.

How to contact us