The pages on this website are only directed at United Kingdom residents and comply with appropriate UK legislation and regulation. We have provided this Privacy Policy to help you understand how we collect and use your personal information when you visit our website.

Who we are
Wherever the names LABC New Home Warranty, LABC Self Build Warranty and LABC Social Housing Warranty are used within these pages, this refers to the scheme name used by MD Insurance Services Limited that operate in the United Kingdom. All data from this website is held by MD Insurance Services Limited.

What information we collect and how
The information that we collect via this website may include:-

Any personal details that you type in and submit such as your name, address, e-mail address and other information.

Data that allows us to remember you, any interests that you have recorded and how you use this website. This saves you from re-keying information when you return to the site and allows us to arrange our website content to match your preferred interests. We use "cookies" to collect this data. Cookies are text-only strings of information that are stored on your web browser or hard disk. You have the ability to accept or decline cookies by modifying the settings of your web browser. However, you may not be able to use all the interactive facilities of our site if cookies are disabled. For further information about how to disable cookies in your browser please visit the About Cookies Website.

Your IP address (this is your computer's individual identification number for internet connection) that is automatically logged by our web server. This is used to note your interest in our website.

What we do with your information
MD Insurance Services Limited is committed to respecting your privacy and any personal information that we obtain from this website will be collected and used in accordance with the Data Protection Act 1998 and other applicable UK legislation. The information we collect may be used:-

For the purposes of insurance administration by us, by other companies within MD Insurance Services Group of companies or our agents, by our insurers and your intermediary (if you have one) and may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing our compliance with any regulatory requirements.
For research and statistical purposes.
For the investigation of or prevention of crime.
For credit checking purposes.

In assessing any claims you make against a policy (if applicable), we or our agents may undertake checks against publicly available information about you such as electoral roll, county court judgements, bankruptcy orders or repossessions. Your information may also be shared with other insurers either directly or via those acting for us for example, loss adjusters and investigators.

It may be necessary to transfer your information to other companies within the MD Insurance Services Group or service providers located outside the European Economic Area for any of the above purposes and for system administration. The data protection and other laws of those countries may not be as comprehensive as those in the UK, but we will take steps to ensure that your privacy rights are respected.

Marketing
MD Insurance Services limited and its agents may use your information to keep you informed by e-mail or direct mail about insurance and financial products and services that may be of interest to you. Your information may also be disclosed and used for these purposes after your insurance policy has lapsed.

If you wish to receive these, please ensure that the "Yes" box contains a tick when entering your personal details. However, you can contact us at any time to have your details removed from lists used by us for direct marketing purposes. We can also provide you with great deals from our carefully selected partners.

If you wish to receive these, then please tick the "Yes" box when entering your personal details. Note that again you may unsubscribe at a later date if you wish.

Your rights
You can ask us to update or remove your personal information by submitting your request through the Contact Us page of this website.

You also have the right to request a copy of all the personal information we hold about you. To do this, simply write to us at the following address enclosing a cheque for £10.00 payable to MD Insurance Services to cover our administrative costs in dealing with your request:-
The Data Protection Team
LABC New Home Warranty
MD Insurance Services Limited
Haymarket Court
Hinson Street
Birkenhead
CH41 5BX

We will take all reasonable steps to confirm your identity before providing you with details of any personal information we may hold about you.

Other websites and information security
This Privacy Policy covers all websites operated by MD Insurance Services Limited. Any other websites that may be linked to or by our website(s) will be subject to their own policies which may differ from ours. You should carefully read the privacy policies of these websites before submitting any personal information.

You should also be aware that communications over the internet, such as e-mails, are not secure unless they have been encrypted. Your communications may route through a number of countries before being delivered - this is the nature of the internet. MD Insurance Services Limited cannot accept responsibility for any unauthorised access or loss of personal information that is beyond our control.