Regent Asset Management International Regent Asset Management International Ltd

Our Privacy Policy

Regent Asset Management International Ltd (RAM) protects any information that you provide when using this website because we are committed to ensuring that your privacy is protected at all times. If we ask you to provide personal information when using this website or when communicating with us in general, you can be assured that it will only be used in accordance with this privacy statement.

The document that referred you to this notice (for example, our Client Agreement) shall set out details of how RAM is processing your personal information; it is the data controller of your personal information and is responsible for complying with data protection laws. For the purposes of this Privacy Policy, references to "we" or "us" or “RAM” shall refer to Regent Asset Management International Ltd.

We may change this policy from time to time by updating this page. This policy was updated in May 2018.

The policy: This privacy policy is for this website; and it explains how we comply with the GDPR (General Data Protection Regulation), the DPA (Data Protection Act) and the PECR (Privacy and Electronic Communications Regulations). It also explains how we process, collect, manage and store information about you and how your rights under the GDPR, DPA & PECR are adhered to. Additionally it will explain the use of cookies or software, advertising or commercial sponsorship from third parties and the download of any documents, files or software made available to you (if any) on this website.

Our contact information is provided if you have any questions.

We may collect the following information when:

• you request a quote by telephone or online or by email or in person.
• you apply for a policy
• you make a claim in relation to a policy
• you submit any query to us, for example, by telephone, email, blog replies, or social media
• you visit our website (please see our cookie policy for more details)
• you participate in any marketing activity.

We may also collect personal information about you when:

• processing an application or claim, we may complete credit or fraud checks, obtain medical reports or obtain information from other insurers you have previously had insurance with
• we are liaising with your family, employer, or treatment or other benefit providers, where you are a child, with your authority, or where you are unable to liaise with us
• you are named in an application or a policy as a dependent under that policy – this may be an individual or a corporate policy

What information will we collect?

We may add your information to our systems so we can identify you as an individual, to manage our relationship with you as a RAM customer or prospective customer.

Our customer database may record the following information about you:

• name, address and contact details
• age and date of birth
• country of residence
• details of queries you have made
• information from customer surveys, competitions and marketing activities
• quotes you have requested
• policy applications made by you
• policy applications where you are included as a dependent
• your RAM policies
• your RAM policies where you have been included as a dependent, including corporate policies

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

• payment details
• credit and anti-fraud checks
• complaints
• your medical history and medical reports
• your claims history
• Your status on various Government databases such as OFAC and HR Revenue

RAM may use your personal information:

• to consider and process policy applications
• to respond to your queries, including providing quotations
• to administer your policy, including offering renewal terms and any claims you may make
• to provide you with our services, including medical advice, travel assistance services, and support with your medical treatment and other benefits
• to provide you with updates on RAMs products and services
• to respond to requests where we have a legal or regulatory obligation to do so
• for internal record keeping and administration
• for any competitions or other marketing activities
• to conduct and analyse customer surveys and research and development, which may be with anonymised data

Sharing your personal information

RAM 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 within the Group of Companies that RAM is part of.

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

• your treatment and other benefit providers, including travel assistance services, with your authority, or as we reasonably consider to be appropriate in the circumstances
• your employer or an appointed intermediary where you are insured under a corporate scheme, for product or service administration purposes
• with your intermediary, with your authority
• 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
• with RAM group companies and administrators, to assist us in providing our services to you, including sales agents to follow up with prospective customers queries in relation to our products – sometimes these companies will be located outside your jurisdiction, in countries which do not provide the same protection as your own, in which case we ensure they are subject to contractual restrictions with regard to confidentiality and security obligations
• with RAM group companies or one of our insurance partners, where you would like to move to one of their insurance products – sometimes these companies will be located outside your jurisdiction, in countries which do not provide the same protection as your own, in which case we ensure they are subject to contractual restrictions with regard to confidentiality and security obligations
• with other insurers and third parties for the purpose of fraud detection
• with credit reference agencies for the purpose of assessing your credit score
• with Government or other official agencies to verify you are not on any sanctions lists
• where we are under a duty to disclose or share your personal data in order to comply with any legal obligation
• with third parties where we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets
• with third parties where either we are acquired by a third party, in which case personal data held by it about its customers or visitors to the website may be one of the transferred assets
• in order to enforce or apply our website terms of use, our policy terms and conditions or other contracts, or to protect the rights, property, or safety of RAM, our customers, or others
• we may use the information to improve our products and services
• we may periodically send you electronic promotional material about new products, special offers or other information which we think you may find interesting, using the email address you have provided
• from time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customise the website according to your interests.

The DPA & GDPR May 2018

We and this website complies to the DPA (Data Protection Act 1998) and already complies to the GDPR (General Data Protection Regulation) which comes into effect from May 2018.


We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

Use of cookies

Please be aware that this site uses cookies.

A cookie is a text file that is used by many websites to identify your computer to their server. Cookies in themselves do not identify the individual user, just the computer used.

Our use of cookies complies with the EU Privacy Directive, adopted by the UK in its updated Privacy and Electronic Communications Regulations and which came into force on May 26th 2012.

The so-called “Cookie Law” requires websites to obtain consent from visitors to store or retrieve any information on a computer or any other web-connected device, like a smartphone or tablet.

Implied consent

We use cookies purely for analytical purposes (i.e. to count the number of unique visitors to the site) and do not collect any sensitive personal data.

As such, and in accordance with the Information Commissioner’s guidance on the Privacy and Electronic Communications Regulations, we understand by visiting this site, you have given your “implied consent” for cookies being set on your device.

Website Visitor Tracking

This website uses tracking software to monitor its visitors to better understand how they use it. The software will save a cookie to your computer’s hard drive in order to track and monitor your engagement and usage of the website, but will not store, save or collect personal information.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:

• whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes
• if you have previously agreed to RAM using your personal information for direct marketing purposes, you may change your mind at any time by writing or emailing to RAM.

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell RAM that you wish this to happen.

You may request details of personal information which we hold about you. If you believe that any information we are holding on you is incorrect or incomplete, please write to or email RAM as soon as possible. We will promptly correct any information found to be incorrect.

Downloads & Media Files

Any downloadable documents, files or media made available on this website are provided to users at their own risk. While all precautions have been undertaken to ensure only genuine downloads are available users are advised to verify their authenticity using third party anti virus software or similar applications.

We accept no responsibility for third party downloads and downloads provided by external third party websites and advise users to verify their authenticity using third party anti virus software or similar applications.

Contact & Communication With us

Users contacting us through this website do so at their own discretion and provide any such personal details requested at their own risk. Your personal information is kept private and stored securely until a time no longer required or has no use.

Where we have clearly stated and made you aware of the fact, and where you have given your express permission, we may use your details to send you products/services information through a mailing list system.

Email Mailing List & Marketing Messages

We operate an email mailing list program, used to inform subscribers about products, services and/or news we supply/publish. Users can subscribe through an online automated process where they have given their explicit permission. Subscriber personal details are collected, processed, managed and stored in accordance with the regulations named in 'The policy' above. Subscribers can unsubscribe at any time through an automated online service, or if not available, other means as detailed in the footer of sent marketing messages. Email marketing messages may contain tracking beacons / tracked clickable links or similar server technologies in order to track subscriber activity within email marketing messages. Where used, such marketing messages may record a range of subscriber data relating to engagement, geographic, demographics and already stored subscriber data.

Social Media Policy & Usage

We adopt a Social Media Policy to ensure our business and our staff conduct themselves accordingly online. While we may have official profiles on social media platforms users are advised to verify authenticity of such profiles before engaging with, or sharing information with such profiles. We will never ask for user passwords or personal details on social media platforms. Users are advised to conduct themselves appropriately when engaging with us on social media.
There may be instances where our website features social sharing buttons, which help share web content directly from web pages to the respective social media platforms. You use social sharing buttons at your own discretion and accept that doing so may publish content to your social media profile feed or page. You can find further information about some social media privacy and usage policies in the resources section below.

Right To Be Forgotten

If you want to have your data removed, our data controller must take appropriate steps to inform appropriate parties in RAM about the erasure.
However, unsubscribing or opting-out from marketing communications is different from the right to be forgotten. If you do not want to receive direct marketing communications, we will retain personal data for as long as necessary in an ‘unsubscribe’ file and all people within your organisation should be aware.

Organisations will be able to retain customer information and be able to contact them about safety or product recall concerns even if you have exercised the right to be forgotten.

Important Notice Regarding Data Erasure

Please note, the financial services regulator, the Financial Conduct Authority (FCA) and Information Commissioner's Office (ICO), have issued guidance where a request for the ‘right to be forgotten’ conflicts with the financial services and markets act 2000.

In line with this guidance RAM may refuse to comply with a request for data erasure if the data we hold is for the "exercise or defence of legal claims" for example, investigating a complaint.

Where a request for ‘data erasure’ is received RAM will consider each request on its own merits before making a decision. We will confirm in writing our decision whether or not to delete any data and, if applicable, the reason why we have retained any data.

©2019 Regent Asset Management International Ltd