Privacy Policy

Hera Indemnity Ltd and Hera Indemnity Business Finance, which is a trading style of Hera Indemnity Ltd., is committed to protecting and respecting your privacy.

Our Privacy Policy explains when and why we collect personal information about visitors to our Website, how we use it, the conditions under which we may disclose it to others and how we keep it secure.

We may change this Privacy Policy from time to time so please check this page occasionally to ensure that you remain happy with its content. By using our Website, you are agreeing to be bound by this Privacy Policy.

Any questions regarding this Privacy Policy and our privacy practices should be sent by email to enquiries@heraindemnity.co.uk  or by writing to Hera Indemnity Limited, 70 Gracechurch Street, London EC3V 0HR. Alternatively, you can telephone our office on +44 (0)20 7062 4020
We are registered with the Information Commissioner’s Office under registration number Z8650873.

Who are we?

Hera Indemnity, an independent and specialist Lloyd’s broker located in the City, provide the legal sector with Professional Indemnity Insurance, Cyber Risk Insurance and Cyber Crime Insurance.

We are a limited company registered in England and Wales Company No: 05109563. Registered office: Yew Tree House, Lewes Road, Forest Row, East Sussex RH18 5AA. Hera Indemnity Ltd are authorised and regulated by the Financial Conduct Authority (FCA) by firm reference No: 306416.

Information Submitted by You
We will process any data when you use our Website, for example, when you contact us about products and services by using our Website Enquiry Form or Registering/Signing-up to receive our e-bulletins by email and in the normal post, in accordance with UK and EU data protection legislation.

What type of information is collected from you?
The personal information we collect might include your name, address, landline telephone and mobile, email address, and what information you asked us to send or phone you back about. This Website does not request or process online payments.

How is the information you have given us used?
We may use your information to:

  • record your interest in our products and services
  • use your contact details to call or email you
  • to send you a quotation
  • seek your views or comments on the services we provide
  • notify you of changes to our services
  • send you information and or updates about products and service you have requested and that may interest to you
  • our latest promotions, events, or training courses
  • to process a job application you have sent to our organisation

We will hold this personal data for as long as is required. If and when we are asked to remove personal data by an individual or organisation whose data we have recorded, this will be done within 72 hours or soon after. If this personal data remains relevant to one or other service we are providing to the individual or organisation, we may be legally or commercially required to hold some information to fulfil the obligations to that service.

Who has access to your information?
Hera Indemnity Ltdwill not sell or rent your information to third parties for any purpose. If having used our Website to enquire of our services, you then agree to order one or other of our services, your details may need to be given to a selected service provider of insurance (an insurer or underwriter) for legal and commercial reasons. Each will be acting as a data controller of your information and we can provide copies their Privacy Policies.  Each of these third-party providers has been carefully selected by Hera Indemnity Ltdwith whom we have typically worked for years. All the insurers with whom we arrange insurance are regulated by the Financial Conduct Authority (FCA) and or The Prudential Regulation Authority (PRA) who each regulate UK insurance and financial services.

You decide
You can decide if you want to receive information from Hera Indemnity now and in the future. If you do not want to receive news, e-bulletins and any other communication from us you can telephone, email or write to our offices to stop this -

How you can update your information
The accuracy of your information is important so if you change email address, or any of the other information we hold becomes out of date and inaccurate, you can telephone, email or write to our offices to update these records -

Security protecting personal data
When you give us personal information, we take steps to ensure that it is treated securely. We do not hold any credit or debit card payment information. More general contact details such as your name, address, telephone and email may be held on our servers. No outside party has access to these servers. Data files on these servers are regularly scanned for virus detection and protected by strong firewalls for which access passwords are regularly updated.

Use of 'cookies'
Hera Indemnity LtdWebsite at www.heraindemnity.co.uk uses ‘Session Cookies’ These cookies last for the session the visitor is on our site. This is helpful as it will speed-up navigation from one page to another during the visit (session). Once the visitor leaves our site the cookie stops and does not remain on the visitor’s PC or phone. ‘Permanent Cookies’ on the other hand, as the name suggests, persist after the visitor has left a site to remain on the visitor’s PC or phone. These cookies can all be turned-off and removed easily using your browser’s preference settings which will vary depending on which browser you use. Hera Indemnity LtdWebsite at www.heraindemnity.co.uk does not use ‘Permanent Cookies’.

Click here to read our Cookies Guide

Links to and from external Websites
Our Website contains links to external Websites run by other organisations. This privacy policy applies only to our Website‚ not those external Websites that we link to, who will have their own privacy policies. We are not responsible for these external Websites and their privacy policies and practices. In addition, if you are linked to our Website from an external site, we cannot be responsible for the privacy policies and practices of the owners and operators of that external Website and recommend that you check the privacy policy of that external site.

Data Stored within UK and Europe (EU)
Our data is held on servers located in UK and Europe (EU) where data protection legislation is governed by UK and European (EU) laws and regulations. (GDPR and the UK Data Protection Act 2018)

Interruptions and Omissions in Service
Every effort is made to ensure that our Website is accurate, secure and accessible at all times. However, Web and Internet connections can fail from time-to-time which is beyond our control. Although rare, service breaks are typically temporary amounting to as little as a matter of minutes in some cases. We do not accept any liability arising from any such errors, omissions, interruptions or delays or any ongoing obligation or responsibility to operate this Website (or any particular part of it) or to provide the service offered on this Website. We may vary the specification of this site from time to time without notice.

Your Use of our Website
You may only use this Website for lawful purposes when seeking information. You must not under any circumstances seek to undermine the security of the Website or any information submitted to or available on it. In particular, but without limitation, you must not seek to access, alter or delete any information to which you do not have authorised access, seek to overload the system via spamming or flooding, take any action or use any device, routine or software to crash, delay, damage or otherwise interfere with the operation of this Website or attempt to decipher, disassemble or modify any of the software, coding or information on the Website.

Information on our Website
Whilst we make every effort to ensure that the information on this site is accurate and complete, we do not accept any liability arising from any inaccuracy or omission in any of the information on our Website or any liability in respect of information on our Website supplied by you, any other site user or any other person.

Choice of Law and Jurisdiction
The use of this Website and any agreements entered into through this Website are to be governed by English law. The courts of England are to have exclusive jurisdiction to settle any dispute arising out of or in connection with the use of this Website or any agreement made through this Website.

Data Protection Acts 1998 (GDPR and UK DPA May 2018)
This Act of Parliament which set out principles relating to the use of data to ensure that the rights of the person who is the subject of the data are protected under the law, the forthcoming GDPR European Directive on data protection and the UK Government’s Data Protection Act (DPA) which will come into force at the same time.

Personal Data
Personal data is defined as data which relates to a living individual or organisation who can be identified from their data, or from their data and other information which is in the possession of, or is likely to come into the possession of Hera Indemnity Ltd.

Your Legal Rights
You have the right to:

Request access to your personal data (commonly known as a "data subject access request"). This allow you to request to see a copy of the personal data we hold on you, that it is correct and being processed lawfully.

Request correction of the personal data that we hold about you. This allows you to request that any incomplete or inaccurate data we are holding about you is updated and corrected, which we may need to verify for accuracy.

Request erasure of your personal data. This gives you the right to ask us to delete or remove personal data where there is no good reason for us continuing to process it. In addition you can ask us to delete or remove your personal data where it is deemed to have incorrectly or unlawfully processed or where we should have erased this personal data to comply with local laws. Note, however, that we may not always be able to comply with this request if commercial or legal reasons prevent this, which we will communicate to you at the time of your request.

Request restriction of processing of your personal data. This allows you to ask us to halt the processing of your personal data in the following scenarios: (a) You want to check the accuracy of your data; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you want this data kept although we no longer need to use it, because of outstanding commercial and legal claims; or (d) you want to object to us using your data but we wish to verify that we overriding and legitimate grounds to use it.

Object to processing of your personal data where we rely on a legitimate interest (or those of a third party) but the circumstances of your personal interests cause you to object the processing of this data because you feel it interferes with your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.

Request the transfer of your personal data to you or to a third party. We will supply to you, or a third party of your choice, your personal data in a structured, commonly used, machine-readable format. Note, this right only applies to automated information which you initially provided consent for us to use or where it was used to fulfil a contract with you.

Withdraw consent to the processing of your personal data can be done at any time. However, this will not affect the lawfulness of any data processing carried out before your withdrawal. Having withdrawn consent, we may not be able to continue providing the products and services we provided before your consent withdrawal.  

Make a complaint about how we handle your personal data at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues at:

Information Commissioner’s Office,
Wycliffe House, Water Lane,
Wilmslow,
Cheshire,
SK9 5AF
T: 0303 123 1113
www.ico.org.uk
We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.

Third Parties
These are companies and people other than Hera Indemnity Ltd.

Users and Visitors
People who use our Website and register their details with us for the purposes of commenting about our site, gain more information about our services and general business activities.

Review of this Policy
We keep this Policy under regular review. This Policy was last updated in May 2019.

Credit Broking

What personal data do Hera Indemnity Business Finance collect from you?

We can only provide our services if we collect personal data. 

1.1.   How we collect personal data.
We may collect your personal data when you use our Services.  The term "use" includes:

a)    making an application for credit or financial services;
b)    making an application to provide a guarantee for our customers and prospective customers;
c)     obtaining a quote for credit or financial services;
d)    undertaking transactions (whether or not on or via the Sites);
e)    accessing or browsing the Sites;
f)     communicating with us whether by email, telephone or signing up for newsletters or any other forms; 
g)    completing online or paper forms; and
h)    registering an account with us.

We may also collect your personal data from publicly available information such as information on third party websites, from our business partners who have your consent to pass it on or who are authorised by you to authenticate or identify you to us or enable you to sign in to our Sites using their credentials, or from credit reference agencies and other data processors when assessing whether to provide or providing you with Services.

We may also collect your personal data when we monitor and record email and telephone communications with you or between you and others who are using our systems or those of our agents acting on our behalf.  

1.2.   What personal data is collected? 
We may collect all or some of the following personal data from or about you:

a)    your name, title, gender and date of birth;
b)    your company name or affiliation;
c)    your contact information including phone/mobile number/fax and email address;
d)    your bank account details, credit/debit card information or other payment system information including your billing and delivery postal addresses;
e)    your financial details and credit and payment history;
f)     other demographic information including your home, business or other addresses and postcode;
g)    your communication and purchase preferences and interests;
h)    other information relevant to customer surveys and/or offers which we may make available to you; 
i)     your browsing, online activities and transactions;
j)     where you have registered with us, your user name and password; and
k)    in the case of Rhea Family Finance only, information about your personal circumstances which could include information about your family, social and domestic life. Some of this data could be very sensitive.

Storing payment details. When you conduct a transaction with us over the telephone, using a paper application form or through our Sites, we may offer to retain your payment details for your convenience to save you having to re-enter these details on a future occasion.  If you prefer that we do not maintain these details, you may edit and delete any card or payment system information that we hold about you when using our Sites or ask an agent to remove these details from our systems if communicating with us via telephone.

Credit reference agencies 
2.1.   In relation to any of your personal data or personal data in respect of any person other than yourself which you provide to us, you acknowledge, or confirm that you have made the relevant individual aware, that in accordance with this Privacy Policy, we may use or disclose such personal data to our suppliers (including credit reference agencies and fraud prevention agencies) and other organisations may access and use this information to prevent and detect fraud, money laundering and other crimes and to make credit assessments. Examples of circumstances when personal data or information relating to you, your guarantor, partner or other members of you or that person's household may be shared include, but are not limited to: 

2.1.1.  searching for and checking information and details on applications for credit and credit related and other facilities; 
2.1.2.  recording any such searches as having been made; 
2.1.3.  managing credit and credit related accounts or facilities;  
2.1.4.  recovering debt; 
2.1.5.  checking details on proposals for financial products; 
2.1.6.  making enquiries when you ask for any lending products; and 
2.1.7.  for fraud prevention purposes.
 
2.2.   Any enquiry that Hera Indemnity Business Finance makes at a credit reference agency may be assessed with reference to any 'associated' records. Another person's record may be 'associated' with yours when: 

2.2.1.  you make a joint application (including in relation to any guarantee); 
2.2.2.  you advise Hera Indemnity Business Finance of a financial 'association' with another person; or 
2.2.3.  if the credit reference agencies have existing linking or 'associated' records.
This 'association' will be taken into account in all future applications by either or both you and the person whose record is 'associated' and shall continue until either person applies to the credit reference agencies and is successful in filing a 'disassociation'.

2.3.   Credit reference agencies keep a record of enquiries and may record, use and give out information that Hera Indemnity Business Finance gives them to other lenders, insurers and other organisations.  If false or inaccurate information is provided or fraud is suspected details may be passed to fraud prevention and credit reference agencies.  Law enforcement agencies may access and use this information.  The information recorded by fraud prevention agencies may be accessed and used by organisations in different countries.  If you wish to receive details of the relevant fraud prevention agencies, you may contact Hera Indemnity Business Finance, 70 Gracechurch Street, London EC3V 0HR.


Legal Disclaimer

Hera Indemnity Ltd, uses reasonable care to make sure that the information appearing on this Website is accurate and up-to-date. However, errors and omissions may occur and our visitors/users should not take the accuracy of the information for granted but check directly with Hera Indemnity Ltd. None of the material contained in this Website is to be relied upon as a statement or representation of fact.

Hera Indemnity Ltd shall not be liable for any loss of profits or contracts or any direct, indirect or consequential loss, business interruption or loss of data or programs arising out of or in connection with the use of the information either contained within this Website or from any of its hyper link connections, other than death or personal injury to the extent that this is caused by the negligence of Hera Indemnity Ltd.
Hera Indemnity Ltd may make improvements and/or changes to the content of this information at any time without notice. All services, product and product price specifications contained within Hera Indemnity Ltd Website are subject to change without notice.

Information provided on the www.heraindemnity.co.uk Website is provided "as is" without any warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement, as such exclusions of implied warranties shall apply pursuant to applicable laws and regulations.

Links to Third Party Sites
Hera Indemnity Ltd cannot and has not reviewed all pages of the Websites linked to this Website and therefore cannot be liable for their content. Users link to other Websites at their own risk and use such sites according to the terms and conditions of use of those sites. Hera Indemnity Ltd provides links to you only as a convenience, and the inclusion of any link does not imply endorsement by Hera Indemnity Ltd or the linked Website.

Copyright
No part of this Website may be copied or imitated in whole or in part. No logo, graphic, sound or image from this Website may be copied or re-transmitted unless expressly permitted in writing by Hera Indemnity Ltd. (These prohibitions are without limitation to the legal rights of Hera Indemnity Ltd.)

Trademarks
The trademarks and logos (the Trademarks) used and displayed on this Site are registered and unregistered trademarks of Hera Indemnity Ltd and others. They may not be used in any advertising or other publicity materials in relation to the distribution of any information or materials obtained from this Website without the prior written consent of the Trademark owner. (These prohibitions are without limitation to the legal rights Hera Indemnity Ltd)

Governing Law
Any dispute or claim concerning or arising from this Website shall be determined in accordance with the law of England and Wales, and the courts of England and Wales shall have exclusive jurisdiction in determining such disputes or claims.