Privacy & Cookies


Cardif Pinnacle is a subsidiary of BNP Paribas Cardif, a worldwide provider of insurance and savings products, and ultimately part of the global banking group, BNP Paribas SA.



1. Introduction

Cardif Pinnacle is a trading style of Pinnacle Insurance plc. This website is operated on behalf of Pinnacle Insurance plc and other Cardif Pinnacle group companies by Cardif Pinnacle Insurance Management Services plc, a public limited company registered in England and Wales under registration number 2729650 (together "we, us"). Our registered address is Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX, United Kingdom. We maintain this website ("our website") for our customers ("you").

We are committed to protecting the privacy of visitors to our website. This Privacy Policy is designed to let you know what data we collect about you, how we store it and how we use it.

By visiting our website you are accepting the practices described in this Privacy Policy. Any dispute you have regarding privacy is subject to this Privacy Policy and the Terms and Conditions.



2. Information We Collect and How We Use It

2.1 Cookies
What are cookies?
Cookies are small text files stored on your computer when you visit some web sites. To use our website properly, you need to have cookies enabled.

Cookies are commonly used on the internet and do not harm your computer system. We don't store personally identifiable information such as name, address or your payment details in cookies we create. However, we do use encrypted information gathered from them to help improve everyone's experience of our site. For example, the cookies often help us to identify and resolve errors.

We're giving you this information to make sure we're open and clear about your privacy when using our website.

How we use cookies
Your computer, tablet or mobile phone will need to be able to accept cookies, as we can only provide you with certain features of this website by using them.

If you'd prefer to restrict, block or delete cookies, you can use your browser to do this. Each browser is different, so check the 'Help' menu of your particular browser (or your mobile phone's handset manual) to learn how to change your cookie preferences. Please be aware that if you block all cookies, this website (and many others you visit) will cease to work for you.

Here's a list of the main types cookies we use, and what we use them for.

Social Media Cookies
For websites used by individual customers, there may be the opportunity to 'share' content with friends through social networks - such as Facebook and Twitter. You may be sent cookies from these websites. We don't control the setting of these cookies, so we suggest you check the third party websites for more information about their cookies and how to manage them.



Type of Cookie Purpose of Cookie
Session cookies (sometimes called phpsessid) This type of cookie allows our web servers to respond to your actions on the website, such as moving through online forms or browsing the website. The website wouldn't work for you without it.
Analytics cookies (sometimes called utma, _utmz) These cookies enable the function of Google Analytics or other analytics software. This software helps us take and analyse collective visitor information such as browser usage, new visitor numbers and response to marketing activity. That information is not held at individual customer level and helps us to improve the website and your experience, and to ensure our marketing campaigns are relevant.
Third party referral cookies (sometimes called drt) These cookies are set by third party companies which refer you to our website or advertise our products. We don't control the setting of these cookies.
Preferences cookies These cookies help us recognise you when you return to our website. For example, your language preferences.


2.2 Personal Information

If you decide to apply on-line for a product or service or for a quote on a product or service offered by us, you may be asked to provide personal contact details (for example name, postal address and e-mail address), financial information (for example, account or credit card details) and demographic/profile information (for instance, your postcode, age and income level).

Your personal information may be held by us on computer or manual files and will be used for administration purposes including carrying out customer surveys, claims handling, fraud prevention as well as for underwriting any insurance cover we provide you with.

We may monitor usage of the website including how many times you visit, which pages you go to and traffic data.

Insurers share information with each other through 'register of claims' in order to prevent fraudulent claims. If you make a claim any information you supply to us will be put on a register. The details of the participants in the scheme and the name and address of the scheme operator are available on request by contacting our Data Protection Officer at the address provided in paragraph 2.3. below.


2.3 Marketing

The information you give us will be held on our database and we may use this to inform you by e-mail, letter or phone of other products and services provided by us or our group companies, where and to the extent that you have permitted us to.

Direct & Affinity Marketing
Cardif Pinnacle
Pinnacle House
A1 Barnet Way
Borehamwood
Hertfordshire
WD6 2XX

Alternatively, click here to tell us your preferences online - Marketing Preferences.
We may also share your information with other carefully selected companies, so that they can contact you with relevant promotions or marketing material. However at the point where we capture this information we will always ask you to opt in to say you are happy with this.


2.4 Modification of and Access to Data

Copies of information we hold about you can be obtained by contacting us and requesting it. You will be charged a fee of £10 to cover our administrative costs in providing you with the information.

You can change and modify any incorrect information about you that we hold by contacting us at the postal address noted in paragraph 2.3 above.


3. Security

We employ up to date technology in order to protect against the loss, misuse or alteration of information under our control, including using technical and organisational measures. We will use all reasonable efforts to safeguard your personal data. However, please note that if you send information by email to us you are doing so at your own risk.


4. External Links

We do not accept any responsibility for the content or privacy practices of any website to which a hypertext link from our website exists. The links are provided "as is" with no warranty, express or implied for the information provided within them.


5. Contacting Us

If you have any queries about this website we can be contacted by:

Accessibility
We take web accessibility seriously so have ensured that our website complies with the Web Accessibility Initiative guidelines set out by the W3C (W3C Web Content Accessibility Guidelines levels 1 & 2) and the RNIB.