Privacy Notice and Cookie Policy

Privacy Policy


MThis privacy notice tells you about the information we collect from you during the insurance quotation process and that forms the bases of the insurance contract. In collecting this information, we are acting as a data controller and, by law, we are required to provide you with information about us, about why and how we use your data, and about the rights you have over your data.

Who are we?
We are Medical Professional Risk Solutions Ltd (MPRS Ltd), an independent insurance broker. Our address is 53 High Street, Thornbury, Bristol, BS35 2AR. You can contact us by post at the above address, by email at enquiries@mprs-uk.com or by telephone on +44 (0)1454 279906.

We are not required to have a data protection officer, so any enquiries about our use of your personal data should be addressed to ‘the manager’ at the contact details above.

What personal data do we collect?
During the quote process and throughout the life span of any insurance policy, we will ask you for your name, address, contact telephone number, email address and will ask for consent to process this. In respect of Locum Insurance, we will ask for sensitive information around the medical history of the insured persons. In the event of a claim we may request copies of medical records, along with other information to ensure performance of the insurance contract.

For both Surgery and Locum insurance we will ask for sensitive information around unspent convictions and adverse financial history around the insured parties.

Why do we collect this information?
We will use your information to stay in contact and with a view to providing an insurance policy on behalf of Chaucer Insurance and/or LV=. We will share information with them in their capacity as the Insurer. We will also use your contact details to email you in regard to the performance of the insurance policy and may also use your telephone number to contact you regarding your insurance policy.

All information requested in order to fulfil an agreement contract with you.

What do we do with your information?
Your information is stored in our processing system which is based with the United Kingdom.

Your details are passed to Chaucer Insurance at Lloyd’s and/or LV= who are the insurer in respect Locum Insurance and Surgery Insurance respectively and who ultimately are responsible for settling claims.

Chaucer use a third-party claims management company called Crawford & Co to deliver a claims service and we share with them all pertinent information about a claimant to complete an insurance claim.  

We do not use the information you provide to make any automated decisions that might affect you.

Legitimate interest
Where we have assessed that a legitimate interest exists, we may email you from time to time promoting our products and services.

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


How long do we keep your information for?
Unless you arrange a contract of insurance with us, we keep your personal information for one year from our last correspondence. Where you enter into a contract of insurance with us, all information will be held for no longer than three years after the expiry of the contract of insurance and one year after the last correspondence.

Job application
Where you have submitted a job application to MPRS Ltd, we will keep you details on file for up to 12 months after filling the position advertised.

Your rights over your information
By law, you can ask us what information we hold about you, and you can ask us to correct it if it is inaccurate.
You can also ask us to give you a copy of the information we hold and to stop using your information for a period of time if you believe we are not doing so lawfully.
To submit a request by email, post or telephone, please use the contact information provided above.

Your right to complain
If you have a complaint about our use of your information, you can contact the Information Commissioner’s Office via their website at www.ico.org/concerns or write to them at:

Information Commissioner's Office
Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

Securely 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'
MPRS Ltd website at www.mprs-uk.com 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. MPRS Ltd Website at www.mprs-uk.com 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 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 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 MPRS Ltd.

For full details of personal data and your rights, please visit the Information Commissioners Office Website at www.ico.org/concerns

Third Parties
These are companies and people other than MPRS 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 January 2018.


Legal Disclaimer


MPRS 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 MPRS Ltd. None of the material contained in this Website is to be relied upon as a statement or representation of fact. 

MPRS 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 MPRS Ltd.

MPRS 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 MPRS Ltd Website are subject to change without notice.

Information provided on the www.mprs-uk.com 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
MPRS 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. MPRS Ltd provides links to you only as a convenience, and the inclusion of any link does not imply endorsement by MPRS 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 MPRS Ltd. (These prohibitions are without limitation to the legal rights of MPRS Ltd.) 

Trademarks
The trademarks and logos (the Trademarks) used and displayed on this Site are registered and unregistered trademarks of MPRS 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 MPRS 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.