Privacy Notice (also known as “Fair Processing Notice”)
Data Controller: CGHW Limited, Unit A, Suite 1 Briar Rhydding House, Briar Rhydding, Baildon, West Yorkshire, BD17 7JW
Contact for queries: Richard Lund
How will we use the information you give us?
We will use your information to provide Loss Adjusting Services and support the handling of your insurance claim. This may include assessing your claim, communicating with your insurer or appointed representatives, arranging any necessary inspections, and managing the claim to resolution.
We may also require special category data, such as information relating to your health or information about criminal convictions. We process this information because it is necessary for reasons of substantial public interest, including ensuring that insurance services remain available and helping prevent and detect fraud.
As a regulated firm, we also use your data to comply with our legal and regulatory obligations. We have a legitimate interest in using your information for our business operations, including managing our services, improving our processes, and ensuring continuity of service.
We may use your contact details to send you marketing communications where we have a legitimate interest in doing so, or where you have given us your consent. You can withdraw consent or unsubscribe at any time.
We also use your information to process payments and manage debt recovery. This may include conducting credit checks. We do this as part of performing a contract with you or because we have a legitimate interest in providing these services and recovering debts.
| Purpose of Processing | Types of Personal Data | Lawful Basis |
| Loss adjusting services, assessing and managing insurance claims | Names, addresses, claim information, risk information | Performance of a Contract / Legitimate Interest |
| Loss adjusting services involving special category data | Health information, criminal conviction data | Substantial Public Interest |
| Legal and regulatory compliance | Names, addresses, claim and risk information | Legal Obligation |
| Legal and regulatory compliance involving special category data | Health information, criminal conviction data | Substantial Public Interest |
| Business operations and administration | Names, addresses, claim and risk information | Legitimate Interest |
| Business operations involving special category data | Health information, criminal conviction data | Substantial Public Interest |
| Administration within our group of companies (if applicable) | Names, addresses, claim and risk information | Legitimate Interest |
| Marketing | Contact details, marketing preferences | Legitimate Interest or Consent |
| Payments and debt recovery | Names, addresses, bank details, payment card data, credit history | Contract or Legitimate Interest |
Who will we share your data with?
To provide our services and manage claims, we may share your information with:
- Insurers and insurance intermediaries
- Other loss adjusters or specialist contractors assisting with your claim
- Claims handling firms and appointed representatives
- Fraud prevention agencies and insurance databases
- Regulatory bodies, legal advisers, and compliance service providers
- IT service providers supporting our systems and operations
- Finance providers, debt recovery firms, and payment service providers
We will only share the minimum information necessary for each purpose.
Do we send your information outside the UK, EEA or EU?
We do not transfer your personal data outside the United Kingdom. All personal information we process is stored and handled within the UK. If this position changes in the future, we will ensure that appropriate safeguards are in place and will update this privacy notice accordingly.
How long will we keep your information?
We will only collect what is necessary and will only keep it for as long as we are required to do in line with our data retention policy.
| Type of Data | Reason for Retention | Retention Period |
| Quotations / enquiries | Statistical analysis, potential future instructions, marketing (where permitted) | 12 months |
| Loss adjusting case files / claim records | Regulatory requirements, insurer obligations, potential future claims or complaints | 7 years from closure of the claim or final contact |
| Financial records (payments, invoices) | Legal and accounting requirements | 6 years |
| Marketing preferences | To ensure accurate suppression or consent records | Until consent is withdrawn or request to erase is made |
What are my legal rights?
You have the following rights under data protection law:
- Right to access your personal information
- Right to rectification of inaccurate data
- Right to erasure (in certain circumstances)
- Right to restrict or object to processing
- Right to data portability
- Rights relating to automated decision-making, including requesting human intervention, if a decision is made solely by automated means
To exercise any of these rights, please contact us at the address provided on our website.
You also have the right to complain to the Information Commissioner’s Office:
www.ico.org.uk | Telephone: 0303 123 1113.