Business Insight Online Privacy Notice

Last updated: 27/04/18

Business Insight (“BI” or “we”) respects your concerns about privacy. This Online Privacy Notice (the “Notice”) applies to personal data we collect on www.business-insight.net (the “Site”). The Notice describes the types of personal data we obtain, how we use the personal data, and with whom we share it. We also describe the rights you may have and how you can contact us about our privacy practices.

Business Insight is the data controller in respect of personal data that we collect through the Site or that you provide to us. Our contact details can be found at the ‘How To Contact Us’ section at the end of this Notice.

Visitors to the Site are subject to important limitations. Please review our Conditions of Use, which govern your visit to this site on the World Wide Web.

1. How We Obtain Information About You

We may collect personal data that you choose to provide to us through the Site, including, but not limited to, your first and last name, physical address, e-mail address, or telephone number, such as when you:

  • Sign-up to receive direct marketing communications on the Site;
  • Attend an event that we [or a Verisk affiliate] has organised; or
  • Communicate with us, for example, by sending us an email.

When you visit our Sites, we also may collect certain information by automated means using technologies such as cookies, non-cookie-based tokens, web server logs, tracking pixels, and web beacons. Cookies are files that websites send to your computer or other Internet-connected device to identify your browser uniquely or to store information or settings in your browser. More information on cookies can be found here. Your browser may tell you when you receive certain types of cookies and how to restrict or disable certain cookies. Please note, however, that without cookies, you may not be able to use all of the features of our Site. Noncookie-based tokens are encoded URL-based identifiers that track e-mail click-thru activity or time-sensitive password reset keys and will work in scenarios where cookies are disabled or a session has not been initiated.

2. Information We Obtain

Information That You Provide

Personal data that you provide directly to us will be apparent from the context in which you provide it, for example:

  • If you send us an email to request more information about our products and services, you will generally provide your name, contact details and other information, such as the reason for your enquiry.
  • If you sign up to receive electronic marketing communications from us, such as our newsletter, you will generally provide your name and email address;
  • If you contact us with regard to employment, you may send your CV through to us which will generally provide your name and contact information.

Information That We Collect Automatically

Our web servers may log information such as your operating system type, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone where your device is located. The web server logs may also record information such as the address of the web page that referred you to our Sites and the IP address of the device you use to connect to the Internet. They may also log information about your interaction with the Sites, such as which pages you visit. To control which web servers collect information by automated means, we may place tags called “web beacons” — small files that link web pages to particular web servers and their cookies. We may also collect information from your browser, such as your browsing history, and use it in conjunction with data gathered from forms and e-mails to help us understand and respond to your needs.

We use personal data that we collect automatically through cookies, non-cookie-based tokens, web beacons, and other automated means for purposes such as customising and enhancing our visitors’ visits to the Site, facilitating use of the Sites, collecting statistics about your visits to the Site, and understanding the manner in which our visitors browse the Site. We also use the information to help diagnose technical and service problems, administer the Site, and identify visitors to the Site. We use clickstream data to determine how much time visitors spend on web pages of the Site, how visitors navigate through the Site, and how we may tailor the Site to meet the needs of our visitors. We use the personal data for the purposes described above because we have a legitimate interest in operating and improving our Site that is not overridden by your interests, rights and freedoms to protect personal data about you.

3. How We Use The Information We Obtain

We may use personal data that you provide to us to respond to your enquiry, for example, to contact you about your request, ask a question, provide announcements about products and future events, consider your application for employment, and contact you for other reasons related to offering and improving our services. We use the personal data for these purposes because we have a legitimate business interest in providing services to our customers and other interested individuals that is not overridden by your interests, rights and freedoms to protect personal data about you.

Examples include:

  • To establish or verify your identity when you use an area of the website limited to registered users.
  • To provide information on the products or services you have requested.
  • To respond to you about your job application.
  • To address the enquiry, question or feedback which you have sent to us.
  • Compiling aggregate statistics regarding the use of the websites.

We may also use the information to protect against and prevent fraud, claims, and other liabilities and to comply with or enforce applicable legal requirements, industry standards, and our policies and terms. We use personal data for these purposes when it is necessary to protect, exercise or defend our legal rights, or when we are required to do so by law that applies to us.

Business Insight does not collect “Sensitive Personal Data” through its website. By “Sensitive Personal Data” we mean personal data concerning racial or ethnic origin, political opinions, religious or philosophical beliefs, trade-union membership, or concerning health or sex life. By volunteering unsolicited sensitive personal data to us (e.g., by submitting a job application online), you expressly consent to your personal data being used as described in this Policy.

Information We Obtain From Third Parties

We use third-party web analytic services on our Site, these include:

Mailchimp

We use a third-party provider, MailChimp, to deliver our quarterly e-newsletter. If you subscribe to our mailing list, your email address is collected for the sole purpose of receiving the newsletter and will not be used for any other purpose or be passed to third parties. All newsletters contain an unsubscribe link that allows user to opt out should they no longer wish to receive the newsletter.

Statistics are collected in relation to the newsletter in terms of email opening and clicks to our website using industry standard technologies to help us monitor and improve our e-newsletter. For more information, please see MailChimp’s Privacy Notice https://mailchimp.com/legal/privacy/

Use of Cookies

Our website uses cookies to track use. Please note that these cookies do not contain or pass any personal, confidential or financial information that could be used to identify visitors to our website. Please note you are free to refuse cookies. You can read more about how we use cookies here.

Do Not Track

Some web browsers give the ability to prevent tracking of your online activity by setting a preference in your browser alerting websites you visit that you do not want them to track your online activities. This is referred to as a Do Not Track (“DNT”) signal. This is different than blocking or deleting cookies, as browsers with an enabled DNT Signal may still accept cookies.

Please note that our websites may not recognise or take action in response to DNT signals from your browser. Currently, there is no accepted industry standard for what a company should do when a DNT signal is detected. In the event a final standard is established, we will assess how to appropriately respond to these signals and we will update this Privacy Policy accordingly. For more information about DNT signals please visit https://allaboutdnt.com/

4. Information we share

We do not sell or otherwise disclose personal data that you provide to us or that we collect on our Site, except as described here. We may share personal data you provide to us or that we collect on the Site with:

  • Other companies in the Verisk group; and
  • service providers that perform services on our behalf.

Details of the other companies in the Verisk group, including the countries in which they are located can be found here.

We may share personal data with service providers that perform services on our behalf such as payment service providers, analytics providers, hosting providers and advisers.

All service providers have entered into legally binding agreements requiring them to use or disclose personal data only as necessary to perform services on our behalf or comply with applicable legal requirements.

In addition, we may disclose personal data about you (a) if we are required or permitted to do so by law or legal process, for example due to a court order or a request from a law enforcement agency, (b) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss, (c) in connection with an investigation of suspected or actual fraudulent or other illegal activity, and (c) in the event we sell or transfer all or a portion of our business or assets (including in the event of a reorganization, dissolution, or liquidation).

5. Data Transfers

We may transfer the personal data that we collect about you to recipients in countries other than the country in which the personal data originally was collected. Those countries may not have the same data protection laws as the country in which you initially provided the personal data. When we transfer your personal data to recipients in other countries (such as the U.S.), we will protect that personal data as described in this Notice.

If you are located in the European Economic Area (“EEA”), we will comply with applicable legal requirements providing adequate protection for the transfer of personal data to recipients in countries outside of the EEA and Switzerland. In all such cases, we will only transfer your personal data if:

  • The country to which the personal data will be transferred has been granted a European Commission adequacy decision;
  • The recipient of the personal data is located in the U.S. and has certified to the US-EU Privacy Shield Framework; or
  • We have put in place appropriate safeguards in respect of the transfer, for example the EU Model Contracts. You may request a copy of the safeguards that we have put in place in respect of transfers of personal data by contacting us as described in the ‘How To Contact Us’ section below.

6. How Long We Keep Information

The time period for which we keep personal data depends on the purpose for which we collected it. In all cases we keep it for as long as necessary to fulfil the purposes for which we collected it. We will then delete the personal data, unless we are legally required to retain it or if we need to retain it in order to comply with our legal obligations (for example, for tax and accounting purposes).

Subject to any applicable legal requirements, we typically retain personal data as follows:

  • Personal data you provide to us through our Site: we keep this personal data for as long as necessary in order to respond to your request, and for a short further period in case you send us further requests.
  • Personal data you provide when you sign-up to receive direct marketing communications: we keep most of this personal data for the duration of our relationship with you until you opt-out or we do not have any contact with you for a long period of time.
  • Personal data collected for analytics purposes: we keep this personal data for the standard retention period of 14 months.
  • Website logs: we keep Site audit logs, which may contain your personal data, for as long as necessary to fulfil the purpose for which it was collected.

7. Your Rights and Choices

If you are located in the European Economic Area (“EEA”) or Switzerland, you may have the following rights in relation to personal data that we hold about you:

To request confirmation of whether we process personal data relating to you, and if so, to request a copy of that personal data;

To request that we rectify or update your personal data that is inaccurate, incomplete or outdated.

To request that we erase your personal data in certain circumstances, such as where we collected personal data on the basis of your consent and you withdraw your consent;

To request that we restrict the use of your personal data in certain circumstances, such as while we consider another request that you have submitted, for example a request that we update your personal data;

Where you have given us consent to process your personal data, to withdraw your consent; and

To request that we provide a copy of your personal data to you in a structured, commonly used and machine readable format in certain circumstances.

You may contact us as described in the “How to Contact Us” section below to exercise your rights described above. You also have the right to lodge a complaint with the data protection supervisory authority in your country. You can find the contact information of the data protection supervisory authority in your country here.

8. Updates to Our Online Privacy Notice

We may update this Notice periodically and without prior notice to you to reflect changes in our personal data practices or relevant laws. We will post the updated version and indicate at the top of the notice when it was most recently updated.

9. How to Contact Us

If you have any questions or comments about this Notice or any issue relating to how we collect, use, or disclose personal data, or if you would like us to update information we have about you or your preferences, you may contact us in writing:

FAO Data Controller
Business Insight Ltd
Unit 2, Olympus Court
Tachbrook Park
Warwick CV34 6RZ
Business Insight is a Verisk Business Verisk Analytics ®