Sepalist Credit Insurance
bad debt protection for all size of BUSINESS
REASONS TO BUY CREDIT INSURANCE
REASONS TO USE RYCROFT
Our vision is to enable all companies that require Credit Insurance to obtain it at a competitive premium and to help them grow their business whilst protecting them from bad debts, by providing unrivalled independent advice from our service team.
Rycroft aspire to be the number one Independent Credit Insurance Broker of choice, the company to go to when you require experience, expertise and dedication. We work hard, so you don't have to!
Rycroft have access to the whole Credit Insurance market and are highly valued, not only by the insurers, but also our business partners and most importantly our clients, this is due to our experience and knowledge and the solutions we provide, ensuring that you have the most suitable cost effective policy tailored to your unique business requirements whilst saving you time and money.
Your business is central and put first when making our vision a reality, this is demonstrated by the loyalty of our clients and the service they receive by the team which leads to our high retention.
As your Broker we strive to achieve up to date knowledge in sectors and countries in an ever changing and challenging economic climate which in return will help support your business to become more successful. With our access to market intelligence we can support you in making the right decisions and avoid uncertainty and risks leading to organic business growth. Our service is tailored to your individual needs, we will provide you with the confidence and peace of mind so you can focus on becoming more successful.
01543 - 415040
We recognise our responsibility to treat your personal information with care
and to comply with all relevant legislation,In particular the Data Protection
Act 2018 and the EU General Data Protection Regulation (GDPR) - the
"legislation". This notice covers-our requirement to provide you with
information on how and why we use your personal data and of your rights
We have provided you with a quotation and/ or administer your Insurance
policy and are classed as the "data controller" which means we process your
data. The contact details are shown at the foot of this notice. Your data may
be passed to other parties, including Insurers, for the purpose of arranging
your insurance. These parties could also be data controllers and where
Disclosure of your personal information
As necessary part of providing you with the services described above
we may need to disclose your personal data to other third parties.
These may include.
Computer bureaux/software Houses, Insurers, Other Insurance
Intermediaries, the Police and other law enforcement bodies.
Fraud prevention and detection
To prevent and detect fraud may at any time:-
1. Share information about you with other organisations and
public bodies Including the police.
2. Check and/or file your details with fraud prevention agencies
3. Undertake additional fraud searches.
We can supply on request further details of the database which
We will use personal information about you mainly to provide you
with a quotation from Insurers, arrange and administer your policy
if you buy one through us. arrange Premium Finance/consumer
Credit if required, inform you about our other products and Services
and statistical analysis.
some of the personal information we ask you to provide may be
sensitive (special category) as defined in the legislation. We. can
collect such information for insurance purposes without your
specific consent, but it will only be used for the purposes set out
above. If you give us information about another person, in doing so
you confirm that they have given you permission to provide it to us
and that we may use their personal data in the same way as your
own as set out in this notice.
Automated decision making and profiling (if relevant)
For our on-line systems we carry out automated decision making to
whether we can provide insurance to you and at what price. For all our
quotation systems we may use external data from Credit Agencies,
Electrical Roll, etc. to help in decision-making on pricing and risk
This may be regarded as "profiling" as defined in the legislation.
The legislation for both of these requires safeguards in the event that
they have a legal or similarly significant effect on individuals. We do not
consider that our processing poses such risks, but you have rights to
further information on these processes as explained below.
Your data will not be retained for longer than is necessary and will be
managed in accordance with our data retention policy. In most cases
the period will be a maximum of 7 years following the expiry of an
insurance contract unless we are required to retain the data for a
longer period due to
business, legal or regulatory requirements.
Legal Basis for processing your personal information
We are required to have lawful basis (as defined) in order to process
your personal data and the relevant bases which we use are shown in
the table below.
We may contact you by email, text, telephone, mail or other agreed
means to keep you up to date about our products and services. The
legislation allows us to do this in our own commercial interest for curtain
communications with previous customers. in other circumstances we can
only do so with your explicit consent. In all cases you can opt out from
receiving such communication at any time.
You have the following rights in relation to our processing of your
1. The right to be informed about how we use your personal data
(This Privacy Notice)
2. The right to see a copy of the personal information we hold about
you (In most cases this will be free of charge)
3. The right to have personal information rectified if inaccurate or
4. The right of erasure of your personal information where there is no
compelling reason for its continued processing.
5. The right to restrict processing in certain circumstances, e.g if its
accuracy is being contested.
6. The right to data portability which, subject to certain conditions,
allows you to obtain and reuse your personal data across different
7. The rights to object to certain processing including for the purposes
of direct marketing.
8. Rights to information in relation to automated decision making and
If you have a complaint about how we use your personal information,
please contact us at the address below. You also have the right to lodge
a complaint with the information commissioner's office at time. For
further information on this Privacy Notice, to access your personal
information or to exercise any of your other rights, please contact
Rycroft Associates LLP, The Old Bakery, Shaw Lane, Lichfield,