1) How your personal data is used by Kay International PLC

This Privacy Policy sets out how we, Kay International plc (we, us, our) may use your personal
data given to us by you or others during your relationship with us. We will be the data controller of
your data for the purposes of the Data Protection Act 1998.

Who has access to your data?
Data will be used by us in the manner set out below (see How we use personal data?).

What will we collect?
We will collect names, addresses & other details provided by you when you contact us via our
website, on proposal forms or during conversations with you on the telephone or in person, to
obtain a quotation for one of our products or services.

We may also record information about the way you have used our site, in order to improve the
way it operates (see Cookies).

How we use personal data?
By using our website, you are agreeing to the collection & use of any personal information sent to
us, provided it is used as set out in this policy.

You agree that we use the information collected:

• for property, cargo, and other insurance proposals or for validating claims.
• to identify other services which might be of interest to you.
• to provide you with other services
• for credit and credit related services used in connection with your account.
• to recover debts and to assist in debtor tracing
• fraud prevention and detection

Information that we collect is confidential and will only be disclosed to thirds parties:-

• when consent has been given by you.
• when information is needed by certain third party providers giving services in connection with your account, for example loss adjusters or credit reference     agencies.
• to obtain professional advices.
• the law requires us to pass information to any regulatory or governmental body, even without your consent.
• we or others (such as fraud prevention agencies) need to investigate or prevent crime.

You have the right to ask for a copy of the information we hold about you (for which we may
charge a small fee) & to correct any inaccuracies in your information.

2) Use of Cookies

When you use this website we will log your Internet Protocol (IP) address (this is the unique
reference number allocated to a computer when accessing the Internet) & collect basic
information about the way you use the site during your visit. This information is used only for site
navigation & system administration purposes only.

In some situations we may use cookies in order to recognise you as a site user & to personalise
your session. A cookie is a small file sent to a web browser by a web server. We only use cookies
for the purposes stated above & where necessary for the full operation of the website.

You can set your browser to reject cookies but if you do so you will be unable to enjoy the full
functionality of the site.

3) Links

We have included links on our website to other sites that we feel may be of interest to you. These
websites will each have their own privacy statement, which may differ from ours. Therefore
please ensure, when you select any of these links, that you read the privacy statement located on
the website you have chosen. Please note that we are not responsible for and have no control
over any websites connected with this site that are not within our control.

4) Protecting your privacy

The Internet is not a 100% secure medium of communication and accordingly, whilst every effort
is made to ensure the appropriate security measures are taken, we cannot guarantee the security
of any information transmitted via the Internet. We are not responsible for any damages you or
others, may suffer as a result of the loss of confidentiality of such information.

Communications will be monitored regularly to improve our service & for security & regulatory
purposes.

5) Web Site Security

The security or your personal & financial details is important to us. To this end our website uses
encryption for all payment details.

When completing any payment details, you will be in a secure area of the site. This can be
checked for by looking for a padlock in the bottom corner of your web browser & that the web
address starts with https:// - the letter "s" stands for secure. The information you send over the
web will be encrypted to prevent anyone from reading it.

In some cases the web page may not display https:// or a padlock. This is often the case with
websites that use framesets. You can confirm the security settings on these pages by right-
clicking on the page & selecting "properties". If the page is secure the address line will begin
https://. If you use a Firefox browser then you will need to select This Frame > view frame source
& not properties.

All the information that we save for you is protected by a wide range of security solutions.

6) Changes to our Privacy Policy

If we change our Privacy Policy, amendments will be posted on this page so that you are always
aware of the information we collect, how we use it and under what circumstances we may
disclose it.

7) Further Information

If you have any queries in relation to this Privacy Policy please write to the following: -

Data Protection Officer, Kay International plc, 3rd Floor, Holland House, 1-4 Bury Street, London
EC3A 5AW

Kay International plc is registered with the UK information Commissioner under the Data
Protection Act 1998, registration no. Z8274254