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Protecting your privacy is very important to us. We want you to understand what information we collect and how we use it. We collect and use "nonpublic personal information" in order to provide our clients with a broad range of products and financial services as effectively and conveniently as possible. We treat nonpublic personal information in accordance with our privacy policy.

What Information We Collect & From Whom We Collect It

We may collect nonpublic personal information about you from other sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from non-affiliated third parties, including consumer- reporting agencies.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a product or financial service to you.

What Information We Disclose & To Whom We Disclose It

We do not disclose any nonpublic personal information about you to either our "affiliates" or non-affiliates" without your express consent, except as permitted by law. We may disclose the nonpublic personal information we collect, as described above, to persons or companies that perform services on our behalf and to other financial institutions with which we have joint marketing agreements.

"Our affiliates" are companies with which we share a common ownership or alliance and which offer life, health, accident, pension and savings products.

Our Security Procedures

We restrict access to your nonpublic personal information and only allow disclosures to persons and companies as permitted by law to assist in providing products or services to you. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.

KRM is regulated by the Ministry of Justice in respect of regulated claims management activities; registration is recorded on www.claimsregulation.gov.uk.

No Win No Fee claims: min £1,000 value for injury claims, min. £5,000 value for material damage only claims; we cannot assist you with unfair dismissal/employment-related claims.

KRM, 15 Tunwell Greave, Sheffield, S5 9GB  •  Privacy