BCIC Respects Your Privacy

Protecting your privacy is very important to us. You have trusted us with your insurance needs for over 50 years, and we take our obligation to safeguard your personal data seriously.

Summary

Data is important. It is what allows us to personalize our service to you. This summary gives you an overview of why we collect, how we collect and use your personal information, how we protect it, and who can view it. Please read the entire privacy policy below for full details.

How we collect & Use Your Information

• We collect personal information from you directly and from your transactions with us to:
  • process and service your policy
  • settle claims
  • conduct data analytics to personalize our service to you
  • satisfy legal and regulatory requirements
  • communicate important information about your policy with you
• We will not sell your information obtained to third parties but we may share some personal information with third parties who perform services for us. These third party service providers are required to safeguard our customer’s information and may only use it in connection with performing those services.
• We secure and limit access to your information.
• We protect information about potential, current, and former policyholders.

Information We Obtain from You

You will be required to provide us with your personal information to do business with us.   Your personal information is anything that could be used to identify you, such as your full name, valid identification document, mailing and residential address, home and mobile phone numbers, email address, TRN/driver’s license number and date of birth.

Email Addresses & Mobile Phone Numbers

Email and SMS communications are the primary ways in which BCIC shares important information about our customer’s policies with them. These include renewal notices and reminders, communications about your payments and arrears, any claim that you may have and information about special opening hours at our branches or changes in our service delivery.

We may from time to time send you promotional emails about BCIC’s products and services.  If you do not wish to be contacted via email for non-policy related communications, you may unsubscribe by following the instructions at the bottom of any BCIC email you receive.  If you do this, please note that this will affect your ability to receive important information about your policy via email.

To be clear, the below table shows exactly what data we may collect:

How We May Disclose Your Information

Here are some examples of how we may disclose your information:

• We must exchange information about you with our agents, investigators, appraisers, attorneys, and other persons who are, or will become involved in processing your application and servicing your policy or any claims you may make.

• When you are involved in an accident policy information is provided to adjusters and the businesses that will repair your vehicle or any organization that we have determined needs the information to perform a business, professional, or insurance function for us.

• We may also share your information with another insurance company if you are involved in an accident with their customer; with government departments or law enforcement authorities if required by law, or to protect our legal interests or in cases of suspected fraud or illegal activities.

Information about Your Transactions

We may collect information about your transactions and experiences with us such as your payment history, claims, coverage, and vehicle changes. If you commit to purchase a policy with BCIC, we will also confirm your previous motor vehicle record and claims history as permitted by law.

The Information We Disclose

Information about our customers or former customers will only be disclosed as permitted or required by law. Information about you that has been collected is maintained in your policy and/or claims records.

How Long We Keep Your Data

Generally after your relationship with us ends after 7 years we do not actively process your data.

To be clear the below sets out when we collect your data, for what purpose and who we may share it with:

INSTANCES IN WHICH WE COLLECT YOUR DATA:

• When you request information about our products and services;
• When you buy our products and services;
• When you talk to us on the phone or in branch (this may include recorded calls and notes that we make);
• When you use our websites, web chat and mobile device apps;
• When you send emails and letters;
• When you submit insurance claims or other documents;
• When you participate in customer surveys;
• When you take part in our competitions or promotions.

Confidentiality and Security

Your security is important to us. We restrict access to your information to employees who we have determined need it in order to serve you. We train our employees to safeguard customer information, and it is mandatory that they sign confidentiality agreements as part of their employment contracts. We also maintain strict electronic and procedural safeguards to protect your information from unauthorized access by third parties.

We store your data locally in Jamaica, electronically in a secure industry standard third party application called 4D Underwriter DB, in the cloud and in-house on paper files.

We have robust safeguards in place to protect your data. We restrict access to the Underwriter application as well as access to the physical Data Centre where our data is stored. We use sophisticated encrypted connections to our Web Applications that access your data and restrict access to the servers that store your data.

When You Visit Our Website

We collect anonymous data about website traffic to help us analyze how we can make our website better. We’re using secure, third-party tools to analyze this data.  We also use Cookies.  Cookies are small bits of data that a website sends to a computer’s hard drive when a website is viewed. We use cookies to collect data about your use of our website (such as how you got to it, your IP address and information about your device, time of visit, and what pages you visit on our website) so we can provide a better website experience. For example, when you are filling out a form on our website cookies allows you to continue filling out the form even if you had already started and exited the browser. These cookies are stored for 30 Days.

When you visit our website we may also collect data and use this to position our ads as you browse Google or its partner websites or apps. This data may be taken from Browser Cookies, 1st Party Data, or 3rd Party Data sources.

Automated Decision Making

We ask for your personal information when you are buying a policy to decide:

• if we can offer you a policy to buy
• on what terms (e.g. pricing etc.) we are able to offer you a policy to buy
• whether we can provide you with a monthly payment option (EasyPay premium financing)

We use an automated underwriting engine as part of that process, which takes account of the information you have provided including gender, age, and your financial information (for motor policies, we also use relevant vehicular offences, convictions or past claims for you and any other drivers listed on the policy).

The automated engine may also validate information you provide against other records we hold about you in our systems and third party databases, including public databases. We may supplement the information you provide with information from third parties who can provide more information about you, your vehicle or property (including TAJ, claims bank, land registries and commercially available property databases). After we have sold the policy to you we may use the information to perform ongoing analytics to ensure we’re appropriately pricing our products.

Your Rights

When you do business with us you are consenting to the collection of your personal data.  Either you or someone authorized by you which includes your legal representative, power of attorney, agent, guardian etc. may consent to our collection of your data. You or your legal representative have the right to withdraw your consent at any time.

You also have the right to:

• object to us processing your information
• rectification of erroneous data we may have on file
• deletion of your information
• access to your data
• restrict processing of your data
• object to automated decision making

Changes to This Privacy Policy

We may modify our privacy policy from time to time. The most recent version is always posted on bciconline.com as well as any significant changes to our privacy practices.

What to Do if You Have Privacy or Security Concerns

If you have a concern about privacy or security at BCIC, we want to hear about it by mail or email.

Please write to us at:
Compliance Department
36 Duke Street
Kingston, Jamaica
or email us at bciccomplaints@bcicjamaica.com

The effective date of this Privacy Policy is May 14, 2021