ARX Rural Risks Privacy Policy

This Privacy Policy explains how ARX Rural Risks (Guernsey) Limited (“we”, “us” or “our”) collects and uses personal data when you visit our website or contact us. We are committed to protecting your privacy. This commitment reflects the value we place on earning and keeping the trust of our customers, business partners and others who share their personal information with us.

1. Who we are

ARX Rural Risks (Guernsey) Limited is authorised and regulated by the Guernsey Financial Services Commission (GFSC) under reference number 3067586.

ARX Rural Risks (Guernsey) Limited is the data controller for the personal data described in this Privacy Policy.

ARX Rural Risks (Guernsey) Limited is 100% owned by ARX Rural Re Limited, a company registered in the UK under number SC761488, and works exclusively via Charlotte Square Insurance Brokers Limited, a company registered in the UK under number SC761488 which is regulated by the Financial Conduct Authority (FCA)under reference number 460973.

2. Lawful basis for processing

We process personal data only where we have a lawful basis to do so. This includes where processing is:

  • necessary for the performance of a contract or to take steps prior to entering into a contract;

  • required to comply with a legal or regulatory obligation;

  • necessary for our legitimate business interests, provided these do not override your rights and freedoms; or

  • based on your consent, where required by law.

3. How we use your personal data

The purposes for which we use personal information include:

  • assessing and underwriting your insurance application and providing quotations;

  • providing and administering insurance cover;

  • handling enquiries and claims;

  • sanctions checking;

  • prevention and detection of fraud and financial crime;

  • debt recovery; 

  • complying with legal and regulatory requirements; and

  • improving our products and services.

If you provide personal data about another person (for example, a colleague), you must ensure you have the right to share it with us.

4. Who we share personal data with

The way insurance works means that your information may be shared with and used by several third parties in the insurance sector for the purposes set out above. This may include (but is not limited to):

  • other insurers;

  • reinsurers;

  • intermediaries;

  • loss adjusters;

  • claims administrators;

  • professional advisers;

  • administration service providers; or

  • technology service providers, regulators, law enforcement agencies, and fraud and crime prevention and detection agencies and databases.

We will only disclose personal information in connection with the insurance cover we provide and to the extent required or permitted by law. If you require details of the third parties your information has been shared with, and how it is used, you may contact your broker and/or the insurer’s data protection contact details set out in the relevant privacy notice.

All third parties are required to respect the security and confidentiality of your personal data and to process it lawfully.

4. International transfers

Guernsey is not within the United Kingdom or the European Economic Area, but it has a robust and effective data protection regulatory framework.

Where we handle personal data relating to individuals in the United Kingdom, we will handle it in accordance with applicable UK data protection requirements, including the UK General Data Protection Regulation and the UK Data Protection Act 2018. We are also subject to the Data Protection (Bailiwick of Guernsey) Law, 2017, which provides an equivalent framework for handling personal data.

5. Data retention

We keep personal data only for as long as necessary for the purposes described in this policy, including to meet legal, accounting, regulatory, or reporting requirements. Retention periods vary depending on the nature of the data and why it was collected.

6. Your Rights

You have the right, subject to applicable law, to:

  • access your personal data

  • request correction of inaccurate or incomplete data

  • request erasure of personal data

  • restrict or object to processing

  • request data portability

  • withdraw consent, where processing is based on consent

6. Cookies

We use cookies and similar technologies to:

  • help the website function properly;

  • remember preferences (where applicable); and,

  • understand how visitors use our website and improve performance

You can control cookies through your browser settings. Where a cookie banner or preference tool is in place, you can also manage non-essential cookies there.

7. Where consent is required

In some circumstances, we (and other insurance market participants) may need to collect and use special categories of personal data and/or information relating to criminal convictions and offences. Where consent is required to process this information, we will ask for it separately.

You do not have to give consent, and you may withdraw consent at any time. However, if you do not give consent, or you withdraw consent, this may affect our ability to provide the insurance cover from which you benefit and may prevent us from handling enquiries and/or claims. In these circumstances, insurance cover may stop.

For further information, contact: enquiries@arxrural.co.uk

8. Complaints

If you have concerns, please get in touch with us first, and we will try to resolve the issue.

You also have the right to lodge a complaint with the Office of the Data Protection Authority (ODPA) Guernsey www.odpa.gg

9. Security

We take privacy seriously and have measures in place to help protect personal information. We restrict access to personal information to those who need it for the purposes set out above. We retain personal information only for as long as necessary for those purposes and to meet legal and regulatory requirements.

10. Changes to this policy

We may update this Privacy Policy from time to time. The latest version will be posted on our website with the updated “Last updated” date.

Last Updated: April 2026