Privacy and Cookie Policy

Who we are

Optimum Global Ltd (Rise & Shield) is authorised and regulated by the Financial Conduct Authority. 

Optimum Global's firm reference number is 453654, and you can check these details at https://register.fca.org.uk/ or by calling the Financial Conduct Authority on 0800 111 6768.

Rise & Shield offers travel insurance products tailored to adventure-loving individuals and families. For any queries, you can contact us:

• Address: Optimum Global Limited, 4th Floor, 21 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP, UK.
• Email: info@riseandshield.com
• Phone: +44 (0) 1444 473 405

What information do we collect?

We collect personal data necessary to provide you with our services, including:

• Personal Identification Data: Name, address, email, phone number, date of birth, gender.
• Financial Information: Payment details (processed by secure third-party providers; we do not store card details).
• Medical Information: Shared only when essential for claims or emergencies.
• Usage Data: IP address, browser type, interaction with our website (via cookies).

When do we collect your data?

We collect your data during interactions such as:

• Requesting a quote or purchasing insurance.
• Filing claims or submitting medical/emergency details.
• Contacting us via forms, phone, or online chat.
• Browsing our website (see Cookies section below).

How do we use your data?

We use your data to:

• Process and manage insurance policies (e.g., quotes, claims, renewals).
• Comply with legal obligations, including fraud detection and tax reporting.
• Enhance your customer experience through personalised services and improved website functionality.
• Communicate essential updates, policy information, or promotional content (with your consent).

Do we share your data?

We only share your data under specific circumstances:

• Service Providers: To process payments, issue policies, or handle claims.
• Medical Assistance: To assist with emergencies requiring medical support.
• Regulators and Legal Authorities: To comply with legal requirements.
• Fraud Prevention Agencies: To detect and prevent fraudulent activities.

Your data will never be sold to third parties for marketing purposes.

Cookies and website tracking

Our website uses cookies to optimise your experience. Cookies are small text files stored on your device.

These help us understand website usage and improve services.

• To learn more about managing cookies, visit www.aboutcookies.org.
• Disabling cookies may limit some website functionalities.

Data retention

We retain your personal data only as long as necessary to fulfil contractual or legal obligations. Typically, this is up to 7 years after your insurance relationship with us ends, unless otherwise required by law.

Your rights

Under applicable data protection laws, you have the right to:

• Access: Request a copy of your personal data.
• Rectify: Correct inaccuracies in your data.
• Erase: Request deletion of your data, subject to legal retention requirements.
• Restrict: Limit how we process your data in specific scenarios.
• Object: Withdraw consent for specific data uses (e.g., marketing).
• Portability: Receive your data in a structured, machine-readable format.

To exercise these rights, contact us at info@riseandshield.com.

How we protect your data

We employ strict measures to safeguard your personal data, including:

• Secure servers and encrypted connections.
• Regular staff training on data protection practices.
• Access control to sensitive information.

In case of a data breach, we will notify affected individuals and relevant authorities as required by law.

International data transfers

If your data is processed outside the European Economic Area (EEA), we ensure adequate protections are in place through contractual agreements or other approved mechanisms.

Automated decision-making

We may use automated systems for tasks such as risk assessment and fraud detection. If you wish to challenge an automated decision, please contact us.

Links to other websites

Our website may include links to external websites operated by other organisations. 

Please note that these websites are outside our control, and our privacy policy does not extend to them.

We recommend reviewing the privacy statements of any third-party websites you visit, as we are not responsible for their content, practices, or data handling policies.

We provide these links for your convenience and information but do not endorse or guarantee the accuracy, completeness, or reliability of their content. 

Any personal information you share with third-party websites is at your own risk.

If you accessed our website via a link from another site, we cannot assume responsibility for the privacy policies or practices of the website you came from. We encourage you to check their policies as well.

Contact us

If you have questions about this privacy policy or how your data is used, please reach out:

• To: The Data Protection Officer
• Address: Optimum Global Limited, 4th Floor, 21 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP, UK.
• Email: info@riseandshield.com
• Phone: +44 (0) 1444 473 405

This policy is effective as of 18 November 2024. We recommend reviewing it regularly for updates.