Privacy & Cookies


The protection of your personal data is important to the BNP Paribas Group, which has adopted strong principles in relation to data protection for the entire Group and which are reflected in its Personal Data Protection Charter available at https://group.bnpparibas/uploads/file/bnpparibas_personal_data_privacy_charter.pdf.

As defined in Section 2 below, this Data Protection Notice provides you with transparent and detailed information relating to the protection of your personal data by the following BNP Paribas Group companies, as controller:

Pinnacle Insurance plc (trading as helpucover)

Cardif Pinnacle Insurance Management Services plc (trading as Everypaw)

Cardif Pinnacle Insurance Management Services plc (trading as BNP Paribas Cardif)

("we", "us", "our")

The above companies are part of BNP Paribas Cardif and the BNP Paribas Group (both "Group companies")
Registered Address:

Pinnacle House
A1 Barnet Way
Borehamwood
Hertfordshire
WD6 2XX

We are responsible, as a controller, through the above legal entities (and also through Groupement d'Intérêt Économique ("G.I.E") BNP Paribas Cardif, Cardif Assurance Vie, Cardif-Assurances Risques Divers, Cardif IARD, etc.), for collecting and processing your personal data, in relation to our activities. The purpose of this Data Protection Notice is to tell you which personal data we collect and process about you, the reasons why, who we share your data with and why, how long we keep it, what your rights are and how you can exercise them

Where necessary, further information may be provided to you when you apply for, purchase, renew or make a claim in relation to a specific insurance product or service.



1. WHICH PERSONAL DATA DO WE COLLECT AND USE?

Depending on the types of data that we require from you in relation to the type of insurance product or service we provide to you and to enable us to provide a high standard of personalised products and improve our services, we may collect any of the following types of personal data about you including, but not limited to, any of the following types:

Where necessary and subject to your explicit consent, we may collect the following special categories of data for the reasons stated below:

We do not collect or process any data relating to your racial or ethnic origin, political beliefs, religious or philosophical beliefs, trade union membership, your genetic data or sexual orientation, unless we have a legal obligation to do so.



2. WHO IS AFFECTED BY THIS NOTICE AND FROM WHOM DO WE COLLECT PERSONAL DATA?

We collect data directly from you as a potential customer or policyholder, a client party or supplier. We also collect data about other individuals directly and indirectly during our interactions with you who may have no direct relationship with us but who are connected to you or to the insurance product, for example:

Where you provide us with another person's personal data, please direct the individual to our Data Protection Notice. We will also provide them with the Data Protection information directly, where we have their contact details.

We may also obtain personal data about you from the following sources for the purposes of verifying or enriching our data:



3. WHY DO WE USE YOUR DATA AND WHAT FOR?

In this section, we describe how and why we use your personal data and draw your attention to some types of data processing activities that we consider could have a greater impact on you and, in certain cases, may require your consent.

a. To comply with our legal and regulatory obligations

We use your personal data to comply with our various legal and regulatory obligations, which include:

b. To perform a contract with you or to take steps at your request before entering into a contract

We use your personal data to enter into and perform our contracts as well as to manage our relationship with you, which includes:

The above processes may include the making of automated decisions at all stages, for the entering into or the performance of the contract including, but not limited to, generating a quote and the assessment of certain types of claims made in relation to the insurance contract.

c. To fulfil our legitimate interests

We use your personal data in order to offer and develop our insurance products and services, to improve our insurance risk management and to defend our legal rights for the following reasons:

In each case, our legitimate interests remain proportionate and, where we are required to do so, we verify these according to a balancing test so that your interests and fundamental rights are preserved. Should you wish to obtain more information about the balancing test, please contact us using the contact details provided in Section 9 below "How to contact us".

The carrying out of the above processes may include the making of automated decisions at any stage.

d. Respecting your choices where we requested your consent

In certain cases, we require your consent to process your data. Please note that you may withdraw your consent to these types of processing at any time. For example:

If we need to carry out further processing for purposes other than those listed above in Section 3, we will inform you and, where necessary, obtain your consent.


4. WHO DO WE SHARE YOUR PERSONAL DATA WITH?

a. Sharing of information within the BNP Paribas Group

We are part of the BNP Paribas Group, which comprises various companies working closely together globally to create and distribute various banking, financial, insurance products and services.