Gallagher Global Brokerage UK Privacy Notice

This section will detail what personal information we collect about you and use if you are a prospective customer or you have submitted your personal information so that we can provide you with a quote for the placing of an insurance policy or if you are a party and would be covered under an insurance policy we will be placing.

• 3.1.1. What personal information might we collect?
• 3.1.2. What special categories of information might we collect?
• 3.1.3. How will we collect your personal information?
• 3.1.4. What will we use your personal information for?
• 3.1.5. Who will we share your personal information with?

• General information such as your name, date of birth, gender, relationship to the customer (where are you not the prospective policyholder), identification information such as national insurance number, passport number or driving licence number
• Contact details including address, telephone number and email address
• Information about your job including job title, business description, education, employment history and professional certifications
• Information relating to the advice that you request or the services that we are providing. For example, we might need information relating to your previous insurance policies and claims history in order to advise on your future needs
• Financial information such as your financial history and needs, income, bank details, payment details and information obtained as a result of our credit checks
• Information obtained when we carry out checks of sanction lists
• Information obtained through our use of cookies. Please see our cookies policy for more information
• Information captured during recordings of our telephone calls
• Your marketing preferences
• Any information we record about your preferences when doing business with us

• Details of your current or former physical or mental health – for example details about a medical claim you made under a previous travel policy when you provide details of your claims history or details about your current health because it is relevant to the insurance policy you want Gallagher to place
• Information relating to criminal sanctions (including offences and alleged offences and any caution, court sentence or criminal conviction). We may receive this information as a result of carrying out checks of sanctions lists
• Information relating to any professional disciplinary action that you are or have been the subject of
• Your political opinions, religious or philosophical beliefs or trade union membership

We may collect your information in a number of different ways:

• Directly from you or from someone else on your behalf in a number of ways including where it is submitted through our website or in application forms, initial disclosure documents, through interactions with our website and more generally during any forms of communication such as face to face, written and telephone correspondence
• From third parties and other insurance market participants who might introduce customers to us such as another broker and insurers
• Via publically available sources such as internet search engines, open electoral registers and social media sites
• From other companies within the Arthur J. Gallagher group
• Through customer satisfaction surveys and market research
• From credit reference agencies
• Via insurance industry fraud prevention and detection databases and sanctions screening tools
• From government agencies such as the DVLA or HMRC and from professional regulators
• Selected third parties who provide us with details of potential customers

We may process your information for a number of different purposes. For each purpose we must have a legal ground for such processing and we will rely on the following legal grounds:

• We need to use your personal information to enter into or perform our contract with you, for example, in order to fulfil our obligations under our contract and place appropriate insurance cover, we need to use your personal information to provide you with a quote and determine market placement.
• We have a legitimate business interest to use your personal information such as maintaining our business records, keeping records of insurance policies we place and analysing and improving our business model and services. When using your personal information for these purposes, we have considered your rights and ensured that our business need does not cause you harm
• We have a legal or regulatory obligation to use your personal information. For example, our regulators impose certain record-keeping rules which we must adhere to

When the information that we process is classed as a special category of information, we must have one of the following additional legal grounds for such processing:

• It is necessary for an insurance purpose and it is in the substantial public interest. This will apply where we are advising or arranging an insurance policy, assisting with any claims under a policy, and undertaking any activities to prevent and detect fraud.
• You have provided your consent. There may be some circumstances that without your consent to use your special categories of information we would be unable to arrange your insurance cover. We will notify you when this will be applicable and why your consent is necessary.
• Where the use of your special categories of information is necessary to establish, exercise or defend our legal rights, for example legal proceedings are being brought against us or we want to bring a legal claim ourselves.

Please see below for further details of the different ways we use your personal information and the legal grounds we rely on when doing so.

We may share your personal information with companies in the Arthur J. Gallagher group to serve you, including for the activities listed above.

We may share personal information with the following third parties for the purposes set out above:

• our insurance partners such as other insurance intermediaries, insurers, reinsurers or other companies who act as insurance distributors
• other brokers who act directly for you and who have approached us to facilitate the placement of an insurance policy for you
• other third parties who assist in the administration of insurance policies such as accountants, auditors, lawyers and other experts
• insurance broking platform providers
• fraud detection agencies and other third parties who operate and maintain fraud detection registers
• our regulators
• the police and other third parties or law enforcement agencies where reasonably necessary for the prevention or detection of crime
• other insurers who provide our own insurance
• industry bodies
• credit reference agencies
• our third party services providers such as IT suppliers, finance and payment providers, actuaries, auditors, lawyers, marketing agencies, document management providers, tax advisers and insurance software providers
• selected third parties in connection with the sale, transfer or disposal of our business

If you would like further information regarding the disclosures of your personal information, please see the "Contacting us" section below for our contact details.

This section will detail what personal information we collect about you and use if you are a customer or an individual covered by an insurance policy we have placed.

• 3.2.1. What personal information might we collect?
• 3.2.2. What special categories of information might we collect?
• 3.2.3. How will we collect your personal information?
• 3.2.4. What will we use your personal information for?
• 3.2.5. Who will we share your personal information with?

• General information such as your name, date of birth, gender, relationship to the customer (where are you not the prospective policyholder), identification information such as national insurance number, passport number or driving license number
• Contact details including address, telephone number and email address
• Information about your job including job title, business description, education, employment history and professional certifications
• Information relating to the advice that you request or the services that we are providing. For example, we might need information relating to your previous insurance policies and claims history
• Information which is relevant to the insurance policy we have placed or any claims made under it. For example where we have placed property insurance for you, we will hold information about your property and the individuals living there
• Information obtained from requests for mid-term adjustments which may reveal changes in your personal circumstances which are relevant to the insurance policy we placed
• Financial information such as your financial history and needs, income, bank details, payment details and information obtained as a result of our credit checks
• Financial information obtained if you request cancellation of your insurance policy and any information relating to the cancellation
• Information obtained when we carry out checks of sanction lists
• Information obtained through our use of cookies. Please see our cookies policy for more information
• Information captured during recordings of our telephone calls
• Your marketing preferences
• Any information we record about your preferences when doing business with us

• Details of your current or former physical or mental health – for example where we have placed workers compensation insurance for you, we may have details about your employees' accidents and injuries
• Information relating to criminal sanctions (including offences and alleged offences and any caution, court sentence or criminal conviction). We may receive this information as a result of carrying out checks of sanctions lists
• Information relating to any professional disciplinary action that you are or have been the subject of
• Any other special categories of information you offer up when communicating with us. We will only process such information to the extent necessary in connection with the insurance policy or where in connection with legal proceedings. Any further processing will only be with your explicit consent.

We may collect your information in a number of ways:

• Directly from you or from someone else on your behalf in a number of ways including where it is submitted through our website or in application forms, initial disclosure documents, proposal forms, renewal terms, requests for mid-term adjustments, when you require assistance in making a claim, through interactions with our website and more generally during any forms of communication such as face to face, written and telephone correspondence
• From third parties and other insurance market participants who might introduce customers to us such as another broker and insurers
• From other brokers who act directly for you and who have approached us to facilitate the placement of an insurance policy for you
• From other third parties involved in the relevant insurance policy or claim such as claimants, witnesses to an incident, loss adjusters, claims handlers and medical experts
• Via publicly available sources such as internet search engines, open electoral registers and social media sites
• From other companies within the Arthur J. Gallagher group
• Through customer satisfaction surveys and market research
• From credit reference agencies
• Via insurance industry fraud prevention and detection databases and sanctions screening tools
• From government agencies such as the DVLA or HMRC and from professional regulators

We may process your information for a number of different purposes. For each purpose we must have a legal ground for such processing and we will rely on the following legal grounds:

• We need to use your personal information to enter into or perform our contract with you. For example, in order to fulfill our obligations under our contract and place appropriate insurance cover, we need to use your personal information to provide you with appropriate insurance cover according to your needs.
• We have a legitimate business interest to use your personal information such as maintaining our business records, keeping records of insurance policies we place and analysing and improving our business model and services. When using your personal information for these purposes, we have considered your rights and ensured that our business need does not cause you harm
• We have a legal or regulatory obligation to use your personal information. For example, our regulators impose certain record-keeping rules which we must adhere to

When the information that we process is classed as a special category of information, we must have one of the following additional legal grounds for such processing:

• It is necessary for an insurance purpose and it is in the substantial public interest. This will apply where we are advising or arranging an insurance policy, assisting with any claims under a policy, and undertaking any activities to prevent and detect fraud.
• You have provided your consent. There may be some circumstances that without your consent to use your special categories of information we would be unable to arrange your insurance cover. We will notify you when this will be applicable and why your consent is necessary
• Where the use of your special categories of information is necessary to establish, exercise or defend our legal rights, for example legal proceedings have been brought against us or we want to bring a legal claim ourselves.

Please see below for further details of the different ways we use your personal information and the legal grounds we rely on when doing so.

We may share your personal information with companies in the Arthur J. Gallagher group to serve you, including for the activities listed above.

We may share personal information with the following third parties for the purposes set out above:

• our insurance partners such as other insurance intermediaries, insurers, reinsurers or other companies who act as insurance distributors
• other brokers who act directly for you and who have approached us to facilitate the placement of an insurance policy for you
• other third parties who assist in the administration of insurance policies such as accountants, auditors, lawyers, loss adjusters, third parties involved in handling or otherwise addressing claims, such as healthcare professionals and other experts
• insurance broking platform providers
• fraud detection agencies and other third parties who operate and maintain fraud detection registers
• investigative firms we ask to look into claims on our behalf in relation to suspected fraud
• our regulators
• the police and other third parties or law enforcement agencies where reasonably necessary for the prevention or detection of crime
• other insurers who provide our own insurance
• industry bodies
• premium finance providers
• debt collection agencies
• credit reference agencies
• our third party services providers such as IT suppliers, finance and payment providers, actuaries, auditors, lawyers, marketing agencies, document management providers, tax advisers and insurance software providers
• selected third parties in connection with the sale, transfer or disposal of our business

If you would like further information regarding the disclosures of your personal information, please see the "Contacting us" section below for our contact details.

This section will detail what personal information we collect about you and use if you have made a claim against a customer for whom we have placed insurance cover.

• 3.3.1. What personal information might we collect?
• 3.3.2. What special categories of information might we collect?
• 3.3.3. How will we collect your personal information?
• 3.3.4. What will we use your personal information for?
• 3.3.5. Who will we share your personal information with?

• General information such as your name, date of birth, gender, relationship to the customer (where are you not the prospective policyholder), identification information such as national insurance number, passport number or driving licence number
• Contact details including address, telephone number and email address
• If relevant to your claim, we may collect the following information about you:
  • information about your job including job title, business description, education, employment history and professional certifications
  • your financial information such as your financial history and needs, income, bank details, payment details and information obtained as a result of our credit and anti-fraud checks
• Information obtained when we carry out checks of sanction lists
• Information obtained through our use of cookies. Please see our cookies policy for more information
• Information captured during recordings of our telephone calls

• Details of your current or former physical or mental health if it is relevant to your claim – for example where you have been injured in a motor accident and the driver is insured under a policy we placed
• Information relating to criminal sanctions (including offences and alleged offences and any caution, court sentence or criminal conviction). We may receive this information if it is relevant to your claim or as a result of carrying out sanctions lists
• We may also collect information because it is relevant to your claim, which reveals or is likely to reveal your race or ethnicity, religious or philosophical beliefs; political opinions; trade union membership; or data concerning your sex life or sexual orientation, for example where we seek to validate or investigate a claim we may receive files containing any of the above information. We may also need to collect this information to assess the value of your claim
• Any other special categories of information you offer up when communicating with us about your claim. We will only process such information to the extent necessary in connection with your claim or where in connection with legal proceedings. Any further processing will only be with your explicit consent.

We may collect your information in a number of different ways:

• Directly from you
• From our customer who is the policyholder
• From third parties involved in the insurance process such as another broker and insurers
• From other third parties involved in the relevant insurance policy or claim such as other claimants, witnesses to an incident, loss adjusters, claims handlers and medical experts
• Via publically available sources such as internet search engines, open electoral registers and social media sites
• From other companies within the Arthur J. Gallagher group
• Via insurance industry fraud prevention and detection databases and sanctions screening tools
• From government agencies such as the DVLA or HMRC and from professional regulators

We may process your information for a number of different purposes. For each purpose we must have a legal ground for such processing and we will rely on the following legal grounds:

• We have a legitimate business interest to use your personal information such as maintaining our business records, keeping records of insurance policies we place and claims made under such policies and analysing and improving our business model and services. When using your personal information for these purposes, we have considered your rights and ensured that our business need does not cause you harm.
• We have a legal or regulatory obligation to use your personal information. For example, our regulators impose certain record-keeping rules which we must adhere to.

When the information that we process is classed as a special category of information, we must have one of the following additional legal grounds for such processing:

• It is necessary for an insurance purpose and it is in the substantial public interest. This will apply where we are assisting with any claims under a policy, and undertaking activities to prevent and detect fraud.
• Where the use of your special categories of information is necessary to establish, exercise or defend our legal rights, for example legal proceedings are being brought against us or we want to bring a legal claim ourselves.

Please see below for further details of the different ways we use your personal information and the legal grounds we rely on when doing so.

We may share your personal information with companies in the Arthur J. Gallagher group to serve you, including for the activities listed above.

We may share personal information with the following third parties for the purposes set out above:

• our insurance partners such as other insurance intermediaries, insurers, reinsurers or other companies who act as insurance distributors
• other brokers who act directly for you and who have approached us to facilitate the placement of an insurance policy for you
• other third parties who assist in the administration of insurance policies such as loss adjusters, claims handlers, accountants, auditors, lawyers and other experts
• insurance broking platform providers
• fraud detection agencies and other third parties who operate and maintain fraud detection registers
• investigative firms we ask to look into claims on our behalf in relation to suspected fraud
• our regulators
• the police and other third parties or law enforcement agencies where reasonably necessary for the prevention or detection of crime
• other insurers who provide our own insurance
• industry bodies
• debt collection agencies
• credit reference agencies
• our third party services providers such as IT suppliers, finance and payment providers, actuaries, auditors, lawyers, marketing agencies, document management providers, tax advisers and insurance software providers
• selected third parties in connection with the sale, transfer or disposal of our business

If you would like further information regarding the disclosures of your personal information, please see the "Contacting us" section below for our contact details.

This section will detail what personal information we collect about you and use if you are an expert instructed in relation to a claim which has been made under an insurance policy we placed.

• 3.4.1. What personal information might we collect?
• 3.4.2. How will we collect your personal information?
• 3.4.3. What will we use your personal information for?
• 3.4.4. Who will we share your personal information with?

• General information such as your name, identification information such as national insurance number, passport number or driving licence number
• Contact details including address, telephone number and email address
• Information about your job including job title, business description, education, employment history and professional certifications
• Information captured during recordings of our telephone calls

We may collect your information in a number of different ways:

• Directly from you
• From other third parties involved in the insurance process and claims process such as another broker and insurers
• Via publically available sources such as internet search engines, open electoral registers and social media sites
• From other companies within the Arthur J. Gallagher group

We may process your information for a number of different purposes. For each purpose we must have a legal ground for such processing and we will rely on the following legal grounds:

• We have a legitimate business interest to use your personal information such as maintaining our business records, keeping records of insurance policies we place and business entities we interact with and analysing and improving our business model and services. When using your personal information for these purposes, we have considered your rights and ensured that our business need does not cause you harm.
• We have a legal or regulatory obligation to use your personal information.

Please click below for further details of the different ways we use your personal information and the legal grounds we rely on when doing so.

We may share your personal information with companies in the Arthur J. Gallagher group to serve you, including for the activities listed above.

We may share personal information with the following third parties for the purposes set out above:

• our insurance partners such as other insurance intermediaries, insurers, reinsurers or other companies who act as insurance distributors
• other third parties who assist in the administration of claims such as loss adjusters, claims handlers, accountants, auditors, lawyers and other experts
• investigative firms we ask to look into claims on our behalf in relation to suspected fraud
• our regulators
• our third party services providers such as IT suppliers, finance and payment providers, actuaries, auditors, lawyers, marketing agencies, document management providers, tax advisers and insurance software providers
• selected third parties in connection with the sale, transfer or disposal of our business

If you would like further information regarding the disclosures of your personal information, please see the "Contacting us" section below for our contact details.

This section will detail what personal information we collect about you and use if you are a witness to an incident which is the subject of a claim made under an insurance policy we have placed.

• 3.5.1. What personal information might we collect?
• 3.5.2. What special categories of information might we collect?
• 3.5.3. How will we collect your personal information?
• 3.5.4. What will we use your personal information for?
• 3.5.5. Who will we share your personal information with?

• General information such as your name, date of birth, gender and occupation
• Contact details including address, telephone number and email address
• Information which is relevant to the incident you witnessed
• Information captured during recordings of our telephone calls

• Special categories of information will only be collected where it is relevant to an incident, for example a particular health condition that is of relevance to your statement

We may collect your information in a number of different ways:

• Directly from you
• From our customer who is the policyholder
• From other third parties involved in the claims process such as another broker and insurers
• From other third parties involved in the relevant claim such as claimants, other witnesses, loss adjusters, claims handlers and medical experts
• Via publically available sources such as internet search engines, open electoral registers and social media sites

We may process your information for a number of different purposes. For each purpose we must have a legal ground for such processing and we will rely on the following legal grounds:

• We have a legitimate business interest to use your personal information such as maintaining our business records, keeping records claims made under insurance policies we have arranged and analysing and improving our business model and services. When using your personal information for these purposes, we have considered your rights and ensured that our business need does not cause you harm.
• We have a legal or regulatory obligation to use your personal information. For example, our regulators impose certain record-keeping rules which we must adhere to.

When the information that we process is classed as a special category of information, we must have one of the following additional legal grounds for such processing:

• It is necessary for an insurance purpose and it is in the substantial public interest. This will apply where we are assisting with any claims under a policy, and undertaking any activities to prevent and detect fraud.
• You have provided your consent.
• Where the use of your special categories of information is necessary to establish, exercise or defend our legal rights, for example legal proceedings have been brought against us or we want to bring a legal claim ourselves.

Please see below for further details of the different ways we use your personal information and the legal grounds we rely on when doing so.

We may share your personal information with companies in the Arthur J. Gallagher group to serve you, including for the activities listed above.

We may share personal information with the following third parties for the purposes set out above:

• our insurance partners such as other insurance intermediaries, insurers, reinsurers or other companies who act as insurance distributors
• other third parties who assist in the administration of insurance policies and claims such as loss adjusters, claims handlers, accountants, auditors, lawyers and other experts
• fraud detection agencies and other third parties who operate and maintain fraud detection registers
• investigative firms we ask to look into claims on our behalf in relation to suspected fraud
• our regulators
• the police and other third parties or law enforcement agencies where reasonably necessary for the prevention or detection of crime
• other insurers who provide our own insurance
• industry bodies
• debt collection agencies
• our third party services providers such as IT suppliers, finance and payment providers, actuaries, auditors, lawyers, marketing agencies, document management providers, tax advisers and insurance software providers
• selected third parties in connection with the sale, transfer or disposal of our business

If you would like further information regarding the disclosures of your personal information, please see the "Contacting us" section below for our contact details.

This section will detail what personal information we collect about you and use if you are a wholesale broker, third party producing broker, an appointed representative, an insurer or reinsurer.

• 3.6.1. What personal information might we collect?
• 3.6.2. What special categories of information might we collect?
• 3.6.3. How will we collect your personal information?
• 3.6.4. What will we use your personal information for?
• 3.6.5. Who will we share your personal information with?

• General information such as your name, identification information such as national insurance number, passport number or driving licence number
• Contact details including address, telephone number and email address
• Information about your job including job title, business description, education, employment history and professional certifications
• Information obtained when we carry out checks of sanction lists
• Information obtained through our use of cookies. Please see our cookies policy for more information
• Information obtained as a result of carrying out due diligence
• Information captured during recordings of our telephone calls
• Your marketing preferences
• Any information we record about your preferences when doing business with us

• Information relating to criminal sanctions (including offences and alleged offences and any caution, court sentence or criminal conviction). We may receive this information as a result of carrying out checks of sanctions lists
• Any information we record that is relevant to you doing business with us

We may collect your information in a number of different ways:

• Directly from you
• From other third parties involved in the insurance process such as another broker and insurers
• Via publically available sources such as internet search engines, open electoral role and social media sites
• From other companies within the Arthur J. Gallagher group
• Via insurance industry fraud prevention and detection databases and sanctions screening tools

We may process your information for a number of different purposes. For each purpose we must have a legal ground for such processing and we will rely on the following legal grounds:

• We need to use your personal information to enter into or perform our contract with you.
• We have a legitimate business interest to use your personal information such as maintaining our business records, keeping records of insurance policies we place and analysing and improving our business model and services. When using your personal information for these purposes, we have considered your rights and ensured that our business need does not cause you harm
• We have a legal or regulatory obligation to use your personal information.

When the information that we process is classed as a special category of information, we must have one of the following additional legal grounds for such processing:

• It is necessary for an insurance purpose and it is in the substantial public interest. This will apply where we undertake activities to prevent and detect fraud.
• You have provided your consent.
• Where the use of your special categories of information is necessary to establish, exercise or defend our legal rights, for example legal proceedings are being brought against us or we want to bring a legal claim ourselves.

Please see below for further details of the different ways we use your personal information and the legal grounds we rely on when doing so.

We may share your personal information with companies in the Arthur J. Gallagher group to serve you, including for the activities listed above.

We may share personal information with the following third parties for the purposes set out above:

• our insurance partners such as other insurance intermediaries, insurers, reinsurers or other companies who act as insurance distributors
• other third parties who assist in the administration of insurance policies and claims such as loss adjusters, claims handlers, accountants, auditors, lawyers and other experts
• insurance broking platform providers
• fraud detection agencies and other third parties who operate and maintain fraud detection registers
• investigative firms we ask to look into claims on our behalf in relation to suspected fraud
• our regulators
• the police and other third parties or law enforcement agencies where reasonably necessary for the prevention or detection of crime
• other insurers who provide our own insurance
• industry bodies
• credit reference agencies
• our third party services providers such as IT suppliers, finance and payment providers, actuaries, auditors, lawyers, marketing agencies, document management providers, tax advisers and insurance software providers
• selected third parties in connection with the sale, transfer or disposal of our business

If you would like further information regarding the disclosures of your personal information, please see the "Contacting us" section below for our contact details.

This section will detail what personal information we collect about you and use if you access and use any of the Gallagher websites.

• 3.7.1. What personal information might we collect?
• 3.7.2. How will we collect your personal information?
• 3.7.3. What will we use your personal information for?
• 3.7.4. Who will we share your personal information with?

• General information collected via the website such as your name, job title and company you work for
• Contact details including telephone number and email address
• Any information that you choose to provide to us in relation to the nature of your query
• Your IP address
• Your marketing preferences
• Information obtained through our use of cookies. Please see our cookies policy for more information

• Directly from any of the Gallagher websites you use

We may process your information for a number of different purposes. For each purpose we must have a legal ground for such processing and we will rely on the following legal grounds:

• We have a legitimate business interest to use your personal information such as maintaining our business records, monitoring usage of our website and marketing our services and improving our business model and services. When using your personal information for these purposes, we have considered your rights and ensured that our business need does not cause you harm.
• We have a legal or regulatory obligation to use your personal information. For example, our regulators impose certain record-keeping rules which we must adhere to.

Please see below for further details of the different ways we use your personal information and the legal grounds we rely on when doing so.

We may share your personal information with companies in the Arthur J. Gallagher group for the purposes set out above.

This section will detail what personal information we collect about you and use if you are a member of a Scheme that we administer.

• 3.8.1. What personal information might we collect?
• 3.8.2. How will we collect your personal information?
• 3.8.3. What will we use your personal information for?
• 3.8.4. Who will we share your personal information with?

• General information such as your name, your membership start and end date
• Contact details including address, telephone number and email address
• Information about your job including the company that you work for, job title, business description
• Information captured during recordings of our telephone calls
• Information obtained through our use of cookies. Please see our cookies policy for more information
• Your marketing preferences
• Any information we record about your preferences when doing business with us

We may collect your information in a number of different ways:

• We will obtain your personal information directly from you or from someone else on your behalf in a number of ways including where it is submitted through our website or in application forms, through interactions with our website and more generally during any forms of communication such as face to face, written and telephone correspondence
• From third parties who might introduce potential Scheme members to us
• Via publicly available sources such as internet search engines, open electoral registers and social media sites

We may process your information for a number of different purposes. For each purpose we must have a legal ground for such processing and we will rely on the following legal grounds:

• We need to use your personal information to enter into or perform our contract with you. For example, in order to fulfill our obligations under our contract to provide Scheme Administration services to you
• We have a legitimate business interest to use your personal information such as maintaining our business records, keeping records of insurance policies we place and analysing and improving our business model and services. When using your personal information for these purposes, we have considered your rights and ensured that our business need does not cause you harm
• We have a legal or regulatory obligation to use your personal information. For example, our regulators impose certain record-keeping rules which we must adhere to

Please see below for further details of the different ways we use your personal information and the legal grounds we rely on when doing so.

We may share your personal information with companies in the Arthur J. Gallagher group to serve you, including for the activities listed above.

We may share personal information with the following third parties for the purposes set out above:

• Scheme administrators
• Other third parties who assist in the administration of Scheme Membership
• The police and other third parties or law enforcement agencies where reasonably necessary for the prevention or detection of crime
• Credit reference agencies
• Debt collection agencies
• Industry bodies
• Our third party services providers such as IT suppliers, finance and payment providers, actuaries, auditors, lawyers, marketing agencies, document management providers, tax advisers and insurance software providers
• Selected third parties in connection with the sale, transfer or disposal of our business

If you would like further information regarding the disclosures of your personal information, please see the “Contacting Us” section below for our contact details.