This privacy policy applies between you, the User of this Website and A-Pro Associates Limited, the owner and provider of this website. A-Pro Associates Limited takes the privacy of your information very seriously. This privacy policy applies to our use of any and all Data collected by us or provided by you in relation to the use of the Website. Please read this privacy policy carefully.

Definitions and interpretation

In this privacy policy, the following definitions are used:

Data - collectively all information that you submit to A-Pro Associates Limited via the Website. This definition incorporates, where applicable, the definitions provided in the Data Protection Laws;

Cookies - a small text file placed on your computer by this Website when you visit certain parts of the Website and/or when you use certain features of the Website. Details of the cookies used by this Website are set out in the clause below (Cookies);

Data Protection Laws - any applicable laws relating to the processing of personal Data, including but not limited to the GDPR and any national implementing and supplementary lays, regulations and secondary legislation;

GDPR - the UK General Data Protection Regulation

A-Pro Associates Limited or We or us - a company incorporated in England and Wales with registered number 609004 whose trading address is International House, Hodgson Way, Wickford, Essex SS11 8YY;

UK and EU Cookie Law - the Privacy and Electronic Communication (EC Directive) Regulations 2003 and amended by the Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2011 & the Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2018;

User or You - any third party that accesses the Website and is note either (1) employed by A-Pro Associates Limited and acting in the course of their employment or (2) engaged as a consultant or otherwise providing services to A-Pro Associates Limited and accessing the Website in connection with the provision of such services; and

Website - the Website that you are currently using and any sub-domains of this site unless expressly excluded by their own terms and conditions.

In this privacy policy, unless the context requires a different interpretation:

a: the singular includes the plural and vice versa;

b: references to sub-clauses, clauses, schedules or appendices are references to sub-clauses, clauses, schedules or appendices of this privacy policy

c: a reference to a person includes firms, companies, government entities, trusts and partnerships;

d: “including” is understood to mean “including without limitation”;

e: reference to any statutory provision includes any modification or amendment of it;

f: the headings and sub-headings do not form part of this privacy policy.

Scope of this privacy policy

This privacy policy applies only to the actions of A-Pro Associates Limited and Users with respect to this Website. It does not extend to any websites that can be accessed from this Website including, but not limited to, any links we provide to social media websites. For the purposes of the applicable Data Protection Laws, A-Pro Associates Limited is the “data controller”. This means that A-Pro Associates Limited determines the purposes for which, and the manner in which, your Data is processed.

About the Insurance Market

Insurance involves the use and disclosure of personal data by various insurance market participants such as brokers, other intermediaries, insurers and reinsurers. When applicable, the London Insurance Market Core Uses Information Notice sets out those core necessary personal data uses and disclosures. Our core uses and disclosures are consistent with the London Insurance Market Core Uses Information Notice. We recommend you review this notice using this link:

Data Collected

We may collect the following Data, which includes personal Data, from you dependent upon the nature and requirements of our business relationship. The type of personal data which we need to collect and use will also vary according to the particular stage of the insurance transaction life cycle involved. Those stages range from our customer due diligence and set up, initial discussions about insurance requirements, seeking insurance quotations and indications, concluding insurance contracts and the administering of those contracts and handling of any claims.

The main categories of personal data processed by A-Pro Associates Limited are set out below. However, it is important to note that there may be specific case by case variations.

a: individual Details such as your name, address, other contact details such as telephone number and email address, (and those of business contacts at your organization) gender, date and place of birth, nationality, employer, job title and employment history, professional qualifications, family details including their relationship to you, relationship to the customer where you are not the prospective policyholder;

b: identification details: identification numbers issued by government bodies or agencies such as passport number, national insurance number, driving licence number or tax identification number, copies of passports and utility bills where required for due diligence;

c: financial crime prevention and credit information: results of sanctions, anti-corruption and anti-fraud searches and checks, credit references and scores;

d: financial information such as your financial needs, history, bank statements and other details and other financial information;

e: information relating to the services you are requesting such as your previous insurance policies and claims history;

f: information relating to any insurance policy we have placed and any claims made under it;

g: information obtained in relation to requests for mid-term adjustments;

in each case, and in accordance with this privacy policy

How we collect Data

We collect Data in the following ways:

a: data is given to us by you; and

b: data is collected automatically

Data that is given by you

A-Pro Associates Limited will collect your Data in a number of ways, for example;

a: when you contact us through the Website, by telephone, post, email or through any other means;

b: when you use one of our services

and in each case in accordance with this privacy policy.

Data that is collected automatically

To the extent that you access this Website, we will collect your Data automatically, for example:

a: we automatically collect some information about your visit to the Website. This information helps us to make improvements to Website content and navigation, and includes your IP address, the date, times and frequency with which you access the Website and the way you use and interact with its content.

b: we will collect your Data automatically via cookies, in line with the cookie settings on our browser. For more information about cookies, and how we use them on the Website, see the section below, headed “Cookies”.

Our use of Data

Any or all of the above Data may be required by use from time to time in order to provide you with the best possible service and experience when using our Website. Specifically, Data may be used by us for the following reasons:

a: internal record keeping in the course of our normal business activities with you and determined by our business relationship

b: improvement of our products/services;

c: transmission by email of marketing materials that may be of interest to you;

in each case, in accordance with this privacy policy.

We may use your Data for the above purposes if we deem it necessary to do so for our legitimate interests. If you are not satisfied with this, you have the right to object in certain circumstances (see the section headed “Your rights” below).

For the delivery of direct marketing to you via email, we’ll need your consent, whether via an opt-in or soft-opt in:

a: soft opt-in consent is a specific type of consent which applies when you have previously engaged with us (for example, you contact us to ask for more details about a particular product/service, and we are marketing similar products/services). Under “soft opt-in” consent, we will take your consent as given unless you opt-out.

b: for other types of e-marketing, we are required to obtain your explicit consent; that is, you need to take positive and affirmative action when consenting by, for example, checking a tick box that we’ll provide.

c: if you are not satisfied with our approach to marketing, you have the right to withdraw consent at any time. To find out how to withdraw your consent, see the section headed “Your rights” below.

Who we share data with

We may share your Data with the following groups of people for the following reasons:

a: any of our group companies or affiliates – to allow group companies to review your insurance requirements;

b: our employees, agents and/or professional advisors – to obtain advice from professional advisers;

c: third party service providers who provide services to us which require the processing of personal data – for example to allow underwriters/brokers to consider quoting for your business; sanctions checking where a regulatory or legal requirement, credit reference agencies or similar where relevant to doing business with you;

d: third party payment providers who process payments made over the Website – for example to allow companies to consider offering premium finance to your business;

e: relevant authorities – to comply with regulatory obligations as required by The Financial Conduct Authority;

and in each case, in accordance with this privacy policy.

Keeping Data secure

We will use technical and organisational measure to safeguard your Data, for example:

a: access to your account is controlled by a password and a user name that is unique to you.

b: we store your Data on secure servers.

Technical and organisational measure includes measures to deal with any suspected data breach. If you suspect any misuse or loss or unauthorised access to your Data, please let us know immediately by contacting us via this email address: If you want detailed information from Get Safe Online on how to protect your information and your computers and devices against fraud, identify theft, viruses and many other online problems, please visit Get Safe Online Is supported by HM Government and leading businesses.

Data retention

Unless a longer retention period is required or permitted by law, we will only hold your Data on our systems for the period necessary to fulfil the purposes outlined in this privacy policy or until you request that the Data be deleted. Even if we delete your Data, it may persist on backup or archival medial for legal, tax or regulatory purposes.

Your rights

You have the following rights in relation to your Data:

a: Right to access – the right to request (i) copies of the information we hold about you at any time, or (ii) that we modify, update or delete such information. If we provide you with access to the information we hold about you, we will not charge you for this, unless your request is “manifestly unfounded or excessive”. Where we are legally permitted to do so, we may refuse your request. If we refuse your request, we will tell you the reasons why.

b: Right to correct – the right to have your Data rectified if it is inaccurate or incomplete.

c: Right to erase – the right to request that we delete or remove your Data from our systems.

d: Right to restrict our use of your Data – the right to “block” use from using your Data or limit the way in which we can use it.

e: Right to data portability – the right to request that we move, copy or transfer your Data.

f: Right to object – the right to object to our use of your Data including where we use it for our legitimate interests.

To make enquiries, exercise any of your rights set out above, or withdraw your sent to the processing of your Data (where consent is our legal basis for processing your Data), please contact us via this email address: If you are not satisfied with the way a complaint you make in relation to your Data is handled by us, you may be able to refer your complaint to the relevant data protection authority. For the UK, this is the Information Commission’s Office (ICO). The ICO’s contact details can be found on their website at It is important that the Data we hold about you is accurate and current. Please keep us informed if your Data changes during the period for which we hold it.

Links to other websites

This website may, from time to time, provide links to other websites. We have no control over such websites and are not responsible for the content of these websites. This privacy policy does not extend to your use of such websites. You are advised to read the privacy policy or statement of other websites prior to using them.

Changes of business ownership and control

A-Pro Associates Limited may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part or A-Pro Associates Limited. Data provided by Users will, where it is relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this privacy policy, be permitted to use the Data for the purposes for which it was originally supplied to us. We may also disclose Data to a prospective purchaser of our business or any part of it. In the above instances, we will take steps to ensure your privacy is protected.


If applicable, this Website may place and access certain Cookies on your computer. A-Pro Associates Limited uses Cookies to improve your experience of using the Website and to improve our range of products and services. A-Pro Associates Limited has carefully chosen these Cookies and has taken steps to ensure that your privacy is protected at all times. All Cookies used by this Website are used in accordance with UK and EU Cookie Law. Only if applicable and before the Website places Cookies on your computer, you will be presented with a message bar requesting your consent to set those Cookies. By giving your consent to the placing of Cookies, you are enabling A-Pro Associates Limited to provide a better experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of the Website may not function fully or as intended.

This Website may place the following Cookies:

Strictly necessary Cookies – these are Cookies that are required for the application of our Website. They include, for example, cookies that enable you to log-in to secure areas of our website, use a shopping cart or make use of e-billing services.

Functionality Cookies – these are used to recognise when you return to our Website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example your choice of language or region).

You can choose to enable/disable Cookies in your internet browser. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser. You can choose to delete Cookies at any time, however, you may lose any information that enables you to access the Website more quickly and efficiently including, but not limited to, personalisation settings. It is recommended that you ensure that your internet browser is up-t0-date and that you consult the help and guidance provided by the developer of your internet browser if you are unsure about adjusting your privacy settings. For more information generally on cookies, including how to disable them, please refer to . You will also find details on how to delete cookies from your system.


You may not transfer your rights under this privacy policy to any other person. We may transfer our rights under this privacy policy where we reasonably believe that your rights will not be affected. If any court or competent authority finds that any provision of this privacy policy (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted and the validity and enforceability of the other provisions of this privacy policy will not be affected. Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy. This agreement will be governed by and interpreted according to the law of England and Wales. All disputes under the agreement will be subject to the jurisdiction of the English and Welsh courts.

Changes to this privacy policy

A-Pro Associates Limited reserves the right to change this privacy policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the Website and you are deemed to have accepted the terms of the privacy policy on your first use of the Website following the alterations. You may contact A-Pro Associates Limited by email at the following address This policy was last updated on 19/12/2023.