Privacy Policy

This privacy policy sets out how Nicos Rossos uses and protects your personal information.

The confidentiality of your information is of paramount concern to Nicos Rossos and we are committed to ensuring that your privacy is protected. Should you decide to provide us with any personal information then you can be assured that your data will only be used in accordance with this privacy policy.

By using this website and/or providing us with your personal information, you consent to the use of your personal information as described in this privacy policy.

WHEN IS INFORMATION COLLECTED

We collect personal information about you which you provide to us, examples include when:

  • you request a quote, online, by telephone or in a face to face meeting
  • you apply for a policy
  • you make a claim in relation to a policy
  • you are named in an application or a policy as a dependant under that policy – this may be an individual or a corporate policy

WHAT INFORMATION IS COLLECTED

We may add your information to a database in order that we can identify you as an individual, to manage our relationship with you as a customer or prospective customer.

Our customer database may record the following information about you:

  • name, address and contact details
  • country of residence
  • age and date of birth
  • details of queries you have made
  • quotes you have requested
  • policy applications made by you
  • policy applications where you are included as a dependant
  • your Bupa Global policies
  • Bupa Global policies where you are included as a dependant, including corporate policies

If you have had a Bupa Global policy (or been included as a dependant on a policy) or have made or been included in an application for a Bupa Global policy, our customer database may also record information relating to:

  • credit and anti-fraud checks
  • payment details
  • your medical history and medical reports
  • your claims history
  • complaints

HOW IS PERSONAL INFORMATION USED

We may use your personal information, for example:

  • to respond to your queries, including providing quotes
  • to process policy applications
  • to administer your policy and any claims you make
  • to provide you with any updates on products and services
  • to respond to requests where we have a legal or regulatory obligation to do so
  • for internal record keeping and administration

SHARING PERSONAL INFORMATION

We will not sell, distribute or lease your personal information to parties or any other organisations to use for their own purposes unless we have your permission or are permitted by law to do so.

You agree that we may share your personal information as follows:

  • where you are covered by a Bupa Global policy, with your treatment and other benefit providers, with your authority, or as we reasonably consider to be appropriate in the circumstances
  • where you are not the policyholder under an individual policy, we will send all membership documents and confirmation of how we have dealt with a claim to the policyholder
  • where you are insured under a corporate scheme, sharing information with your employer or an appointed intermediary, for product or service administration purposes
  • where we are under a duty to disclose or share your personal data in order to comply with any legal obligation

HOW LONG PERSONAL INFORMATION IS KEPT FOR

We may hold personal information for as long as it is necessary to do so, having regard to the purposes for which it was collected and the purposes for which it is to be further processed.

You should also note the comment in the ‘Controlling your personal information’ section about data deletion.

CONTROLLING PERSONAL INFORMATION

Please contact us:

  • to request details of personal information that we hold about you
  • if you believe that any information we are holding on you is incorrect or incomplete or you would like us to remove any information that we have stored on you

It should not be expected that all personally identifiable information will be completely removed from our databases in response to your requests that it be removed.  For example we may need to keep a record that you have closed an account with us.  In some circumstances we will retain information, such as to resolve disputes, troubleshoot problems, or as required by regulators. Information may never be completely removed from our databases due to technical constraints and the fact that we back up our systems.