DIH Limited ("we", "our",
"us") values your privacy and we are committed to protecting your
personal information when you visit this website. This Privacy Notice relates
to our use of personal information you provide through this website. When you
provide personal information through our website, we are obliged to handle and
protect your information in line with applicable legislation and regulation. In
continuing to use our website, you provide your acceptance and agreement to
this notice.
What data do we collect?
When you submit an enquiry for our
services, we may ask for personal information. This may consist of your name,
email address, postal address and telephone number. If you choose not to
provide such information, we may not be able to respond to you or provide
information about our services.
How is this information used?
We use your personal information to
contact you about an enquiry you have submitted through this website. We
consider we have a legitimate interest under relevant data protection law and
regulation to use your personal data in this way.
How and where is my personal information shared?
We will keep your
information confidential except where disclosure is required by law or
regulation. Personal data about an individual's racial or ethnic origin,
political opinions, religious or similar beliefs, trade union membership,
physical or mental health or condition, criminal offences, or related
proceedings (being sensitive personal data) is strictly controlled in
accordance with our Privacy Policy. However, we may disclose general
statistical information regarding use of our website in the following
circumstances: 1) to prospective commercial partners; 2) in the event that we
buy or sell any business or asset; 3) if we or substantially all of our assets
are acquired by a third party; or 4) if required by any applicable law, legal
obligation or regulation to enforce or apply our Terms of Use or any other
agreement, or if we believe such action is necessary to protect and defend the
rights, property or personal safety of our employees, consultants, the site or
visitors.
Where is my information stored?
Information that you submit
through this website is sent to a computer located in the UK. This is necessary
to process the information and to send you the information you have requested.
Information submitted by you may be transferred by us to our other offices and
other reputable third-party organisations which may be situated outside the
European Economic Area (“EEA”). By submitting your personal data through this
website, you agree to such transfer, storage and processing. We will hold your
personal information on our systems for such time as is necessary for the
relevant service. Prior written consent is obtained before personal data is
transferred outside the EEA.
Can I find out what personal information is held about me?
Under
data protection legislation and regulation, you have certain rights regarding
your personal data (including rights of access, right to rectification, right
to deletion, right to restrict processing and the right to object). We do not
use automated decision making including but not limited to profiling. If you
wish to make a data request, please write to our registered office address. We
may charge an administration fee for information requests and will ask you to
provide proof of identity. We are not obliged to comply with manifestly
unfounded or excessive requests. You also have the right to complain about our
use of your personal data by contacting the Information Commissioner’s Office or another relevant statutory body.
.
We are
committed to providing the highest level of service. If you are dissatisfied
with any aspect of our service, please contact us:
Post: The
Complaints Manager,
DIH Ltd trading as Dexco Insurance
150 Minories
London,
EC3N 1LS.
E-mail : complaints@dexcoinsurance.com
We will aim
to resolve your concerns within three business days, following receipt of your
complaint. A written summary resolution communication will be provided to you
if the complaint is resolved to your satisfaction. If we cannot resolve it in
this timeframe, or further investigation is required, we promise to inform you
of this within five business days.
In the
unlikely event that your complaint has not been resolved within four weeks of
its receipt, we will contact you and let you know the reasons why and the
further action we will take.
Within
eight weeks of its receipt we will either issue you with a final response
letter detailing the outcome of our investigation and our decision, or a letter
confirming when we anticipate to have concluded our investigation.
Lloyd’s
policy holders
If your
insurance is provided by Underwriters at Lloyd’s, and you are unhappy with our
response, you may be entitled to refer the matter to the complaints team at
Lloyd’s. Lloyd's will investigate the matter and provide a final response. Full
details of Lloyd’s complaints procedures are available at www.lloyds.com/complaints.
The Financial Ombudsman Service (FOS)
If you are
unhappy with our decision (or one provided by Lloyd’s where applicable), or if
we do not complete our investigation within 8 weeks, you may be entitled to
refer your complaint to the Financial Ombudsman Service.
The FOS is an
independent service for settling disputes between businesses providing
financial services and their customers. This service is free to customers.
Please note
that if you wish to refer your complaint to the FOS this must be done within 6
months of our final response letter.
The FOS contact details are:
Financial
Ombudsman Service
Exchange Tower
London
E14 9SR
Helplines: 0800 023 4567 or 0300 123 9123
Website: www.financial-ombudsman.org.uk
We collect information directly from you in a number of ways. One way is through our use of ‘cookies’. Most websites use cookies in order to make them work, or to work more efficiently, as well as to provide information to the owners of the website. They help us to understand how our customers and potential customers use our website so we can develop and improve the design, layout, content and function of the site. Cookies are small text files that are placed on your computer’s hard drive by websites that you visit. They save and retrieve pieces of information about your visit to the website – for example, how you entered the site, how you navigated through the site and what information and documentation was of interest to you. This means that when you go back to a website, it can give you tailored options based on the information it has stored about you on your last visit. Some of our cookies are used to simply collect information about how visitors use our website and these types of cookies collect the information in an anonymous form. The rules about cookies on websites have recently changed. If you are uncomfortable with the use of cookies, you can disable cookies on your computer by changing the settings in the preferences or options menu in your browser. You can set your browser to reject or block cookies or to tell you when a website tries to put a cookie on your computer. You can also delete any cookies that are already stored on your computer’s hard drive. However, please be aware that if you do delete and block all cookies from our website, parts of the site will not then work. This is because some of the cookies we use are essential for parts of our website to operate. To find out more about cookies, including seeing what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org.
These Terms of Use govern the use of DIH Limited's
("we" "our", "us") website and by using our
website you have accepted the Terms Of Use. If you do not agree, please desist
from using our website. For the avoidance of doubt, nothing on this website
constitutes an offer to contract with you in any way. We may amend these Terms of
Use from time-to-time and reserve the right to not provide notice of doing so.
Site access
We endeavour to ensure this website is accessible
continuously, but we cannot be held liable if for any reason the website is
unavailable. We have the right to suspend, withdraw or restrict access
temporarily or permanently.
Permissions
When using our website, you must comply with these
Terms of Use. You may print from this website for your own personal, commercial
and lawful purposes.
Restrictions
Material or information from this website must not
be republished online or offline without permission. The copyright, trademarks
and other intellectual property rights regarding material presented on this
website are owned by us and must not be reproduced without our prior consent.
All rights are reserved.
Visitor conduct
Where not covered by our Privacy Notice, any
information that you send to us over this website is considered non-proprietary
and non-confidential. We may use this material in any lawful way. When using
this website, you must not post or write anything that is discriminatory,
obscene, pornographic, racist, sexist, defamatory or confidential.
You must not misuse this website in any way by introducing
viruses, trojans, worms, logic bombs or other material that is malicious or
harmful. You must not attempt to gain unauthorised access to this website or
the its server or any computer or database associated within website. You must
not attack this website via a denial-of-service attack or a distributed
denial-of service-attack. By breaching this provision, you commit a criminal
offence under the Computer Misuse Act (1990) and we will always report such
breaches to the appropriate law enforcement agency, disclose the identity of
the person(s) responsible, and pursue the maximum possible punishment. In the
event of such a breach, your right to use this website immediately ceases. We
will not be held liable for any damage caused to your computer equipment,
computer programmes, data or other material due to your use of the website. It
is your responsibility to ensure that your computer has the necessary software
to protect it from viruses and hacking.
Linking
This website may include links to external websites and
resources. We have included these links only by means of information or
services that you may find useful and in no way provide any endorsement. We do
not in any way take responsibility for the content of these websites or
resources or for anything provided in or by them. You may link to this website
from your own website only, provided that any such linking is lawful, protects
our reputation and does not infer any association, approval or endorsement on
our part unless we agree otherwise.
Limitation of liability
Material displayed on this website is
provided without any guarantee, conditions or warranties as to its accuracy or
anticipated performance. We will not be held liable for any loss or damage
suffered by you or a third party from using this website, including loss of
data or any consequential loss, which includes but is not limited to loss of
business, loss of revenue, or loss of goodwill. Nothing in these Terms of Use excludes
or restricts liability for death or personal injury caused by negligence,
fraud, deliberate misrepresentation, or liability not excluded or limited under
the laws of England and Wales.
Governing jurisdiction
These Terms of Use shall be governed and
construed in accordance with the laws of England and Wales. Any dispute arising
in connection with these Terms of Use are subject to the exclusive jurisdiction
of the Courts of England and Wales. Please
address any queries regarding the Terms of Use to our registered office
address