Terms of Business

Consumer Information

OSG Outsource Services Group Limited is an independent company providing claims, sales, administrative and consultancy services to the insurance sector.
The services are provided to a diverse range to clients including insurance companies, brokers and distributors, affinity groups, internet insurance service providers, government agencies and self-administered insurance programmes.
OSG is regulated by the Central Bank of Ireland in respect of insurance mediation business and is passported into the UK. Codes of conduct are applied by the Central Bank of Ireland and can be accessed at www.centralbank.ie

Complaints Service

You can phone us, email us or write to us with your complaint. Please address your complaint to:
The Chief Executive Officer, OSG Outsource Services Group Limited, Merrion Hall, Strand Road, Sandymount, Dublin 4 or emailinfo@osg.ie or call 01-6615344.
We will do our best to deal with your complaint as quickly and efficiently as possible.
In respect of insurance mediation business, we will acknowledge your complaint within 5 days and we will fully investigate it. On completion of our investigation, we will give you a written response of the outcome. If you are still not satisifed with our handling of, or response to your complaint, you are entitled to refer the matter to:
The Financial Services Ombudsman Bureau at 3rd Floor, Lincoln House, Lincoln Place, Dublin 2.
Lo-Call: 1 890 88 20 90. E-mail: enquiries@financialombudsman.ie
A ful copy of our complaints procedure is available on request.
OSG Outsource Services Group Limited. A private company limited by shares. Registered in Ireland No 195663. Registered office Merrion Hall, Strand Road, Sandymount, Dublin 4.

Complaints

You can phone us, email us or write to us with your complaint. Please address your complaint to
The Chief Executive Officer, OSG Outsource Services Group Limited, Merrion Hall, Strand Road, Sandymount, Dublin 4 or email info@osg.ie or call 01-6615344. We will do our best to deal with your complaint as quickly and efficiently as possible.
In respect of insurance mediation business, we will acknowledge your complaint within 5 days and we will fully investigate it. On completion of our investigation, we will give you a written response of the outcome. If you are still not satisifed with our handling of, or response to your complaint, you are entitled to refer the matter to:
The Financial Services Ombudsman Bureau at 3rd Floor, Lincoln House, Lincoln Place, Dublin 2.
Lo-Call: 1 890 88 20 90. E-mail: enquiries@financialombudsman.ie
A full copy of our complaints procedure is available on request.
OSG Outsource Services Group Limited. A private company limited by shares. Registered in Ireland No 195663. Registered office Merrion Hall, Strand Road, Sandymount, Dublin 4.

Regulatory

OSG Outsource Services Group Limited is an independent company specialising in providing claims, sales, administrative and consultancy services to the insurance sector.
The services are provided to a diverse range to clients including insurance companies, brokers and distributors, affinity groups, internet insurance service providers, government agencies and self-administered insurance programmes.
OSG is regulated by the Central Bank of Ireland in respect of insurance mediation business and is passported into the UK. A copy of our status is available to view below. Codes of conduct applied by the Central Bank of Ireland can be accessed at www.centralbank.ie
For a copy of our status please download the attached document.
OSG Outsource Services Group Limited. A private company limited by shares. Registered in Ireland No 195663. Registered office Merrion Hall, Strand Road, Sandymount, Dublin 4

Privacy & Cookies Statement

OSG Outsource Services Group Limited (“OSG”) is committed to protecting and respecting your privacy. This Privacy & Cookies Statement, together with the Disclaimer, sets out the basis on which any personal data we collect from you or that you provide to us (“Data”) on our website www.osg.ie (“Site”) will be processed; how we use Cookies on the Site and our Disclaimer relating to the Site.
Please read the following carefully to understand our use of Data. By using the OSG Website, you consent to the data and cookie practices described in this Statement.
Information we may collect from you
We only collect Data about you on the Site which you volunteer when you e-mail us or by using our online feedback or online claim forms or by submitting CVs through our “Careers Page”.

We may collect and process the following data about you:

  • Your name;
  • Your email address;
  • The time and date of your visit;
  • Details from any CV you may submit;

Information that you provide by filling in forms on our Site. This includes information provided at the time of subscribing to a service we provide, requesting information from us or submitting comments. We may also ask you for information if you report a problem with our site;
If you contact us, we may keep a record of that correspondence; details of your visits to our site (including, but not limited to, traffic data, location data, web logs and other communication data, whether this is required for our own billing purposes or otherwise) and the resources that you access.

Through this website, you may have an opportunity to send us information, such as through the “Contacts Us” page or any other area where you may send e-mails, send CVs, request information or provide feedback. By choosing to participate in these, you might provide us with some personal information. This information will only be used for us for: (i) the purposes for which it was provided by you; (ii) verification purposes and statistical analysis; and (iii) marketing and administration purposes and will be held in accordance with our Data Protection policy requirements.

Cookies

Please read this Cookies Statement carefully to ensure that you fully understand how and why we use Cookies and related technologies.
What is a Cookie? A cookie is a small file consisting of letters and numbers that is placed on your computer or other device. Cookies enable our systems to recognise your device. Such recognition is necessary for the efficient operation of our Site.
The information which we collect and store during normal use of the Site is used to monitor and analyse how parts of the Site are used. Such use does not result in any personally identifiable data being collected or stored. This Site uses cookies to remember and enhance your user experience.
Most websites you visit will use cookies in order to improve your user experience by enabling that website to ‘remember’ you, either for the duration of your visit (using a ‘session cookie’) or for repeat visits (using a ‘persistent cookie’).
Cookies do lots of different jobs, like letting you navigate between pages efficiently, storing your preferences, and generally improving your experience of a website. Cookies make the interaction between you and the website faster and easier. If a website doesn’t use cookies, it will think you are a new visitor every time you move to a new page on the site – for example, when you enter your login details and move to another page it won’t recognise you and it won’t be able to keep you logged in.
We also use cookies to help us understand how many people use the Site, the regions they come from and how they navigate around the Site. This information is anonymous but helps us improve the content and structure.
Cookies may be set by the website you are visiting (‘first party cookies’) or they may be set by other websites who run content on the page you are viewing (‘third party cookies’).
This Site uses Google Analytics: Demographics & Interest Reporting, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer to help the website analyse how visitors use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google.

Managing Cookies in your Browser

You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this Site. By using this Site, you consent to the processing of data about you by Google in the manner and for the purposes set out above.
In some browsers you can set up rules to manage cookies on a site-by-site basis, giving you more fine-grained control over your privacy. What this means is that you can disallow cookies from all sites except those that you trust.
In the Google Chrome browser, the Tools menu contains an option to Clear Browsing Data. You can use this option to delete cookies and other site and plug-in data, including data stored on your device by the Adobe Flash Player (commonly known as Flash cookies). See our instructions for managing cookies in Chrome. Another feature of Chrome is its incognito mode. You can browse in incognito mode when you don’t want your website visits or downloads to be recorded in your browsing and download histories. Any cookies created while in incognito mode are deleted after you close all incognito windows.
To withdraw your consent as described above, you should either (a) cease using our Site; or (b) delete the cookies used on our site using your web browser’s settings and set your browser to reject future cookies. You can find out more about deleting and blocking cookies by using your web browser’s “Help” option.
We can change this Cookies Statement at any time. If we make material changes to the Cookie Statement, we will let you know by posting the changed Cookie Statement on the Site.
It is important that you review the changed Cookie Statement. If you do not wish to agree to the changed Cookie Statement, then we cannot continue to provide the Site to you and your only option is to stop accessing the Site

Security & where we store your personal data

We are committed to protecting the security of your Data. We use a variety of security technologies and procedures to help protect your Data from unauthorised access and use. As effective as modern security practices are, no physical or electronic security system is entirely secure. We cannot guarantee the complete security of our database, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet. We have implemented strict internal guidelines to ensure that your privacy is safeguarded at every level of our organisation. We will continue to revise policies and implement additional security features as new technologies become available. Where we have given you a password which enables you to access certain parts of our Site, you are responsible for keeping that password confidential. We ask you not to share your password with anyone.
The transmission of information via the internet is not completely secure and may involve the transfer of Data to countries outside of the European Economic Area (EEA). Those countries may not provide an adequate level of protection in relation to processing your Data. By submitting your personal data, you agree to this transfer, storing and processing.
Although we will do our best to protect your Data, we cannot guarantee the security of your Data transmitted to our Site. Any transmission of Data is at your own risk. Once we receive your Data, we use appropriate security measures to seek to prevent unauthorised access.

Uses made of your data

We use your Data that we hold to:

  • ensure that content from our Site is presented in the most effective manner for you and for your computer;
  • provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes;
  • carry out our obligations arising from any contracts entered into between you and us;
  • allow you to participate in interactive features of our service, when you choose to do so (e.g. the submission of CVs on the Careers page);
  • notify you about changes to our service; and
  • such other uses as we may advise you of specifically from time to time

We may provide our advertisers with aggregate statistical information about our users. We may also use such aggregate information to help advertisers reach the kind of audience they want to target. We may make use of the Data we have collected from you to enable us to comply with our advertisers’ wishes by displaying their advertisement to that target audience. We do not sell or exchange Data to third parties.
We may use your Data to send you information relating to our services, events and products which may be of interest to you. If you do not want us to use your Data in this way, please tick the relevant box situated on the form on which we collect your Data. If you wish to stop the use of your Data for those purposes at any time please contact us by contacting our Data Protection Compliance Officer at info@osg.ie.
We will not disclose without your consent any personal information we collect about you when you visit the site to a third party outside OSG. In connection with any application, request or enquiry you make, your information will be passed directly to the relevant business unit within the group.

Disclosure of your information

We may disclose your Data to third parties who provide a service to us or in the event that we sell or buy any business or assets, in which case we may disclose your Data to the prospective seller or buyer of such business or assets or if we are under a duty to disclose or share your Data in order to comply with any legal obligation, or to protect the rights, property, or safety of OSG, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

Links to other sites

Our Site may, from time to time, contain links to and from other websites. If you follow a link to any of those websites, please note that those websites have their own privacy policies and that we do not accept any responsibility or liability for those policies. Please check those policies before you submit any personal data to those websites.
You may not create a link to this site from another website or document without OSG’s prior written consent.

Access to information and correction

You may request in writing copies of your Data held by us as data controller. We will provide you with a copy of the Data held by us as soon as practicable and in any event not more than 40 days after the request in writing. There may be a charge to access your Data. We may also request proof of identification to verify your access request. All requests should be addressed to our Data Protection Compliance Officer at info@osg.ie If your Data that we hold is inaccurate, please let us know and we will make the necessary amendments, erase or block the relevant Data as you request and notify you within 40 days of your request that the relevant action has been taken. All requests should be addressed to our Data Protection Compliance Officer at info@osg.ie
We will hold on to your personal Data only for as long as necessary for the purposes of providing access to our Site and related services to you or as required by law.

Changes to our Privacy & Cookies Statement

By using this Site, you signify acceptance of this Privacy & Cookies Statement. If you do not agree with or are not comfortable with any aspect of this Privacy & Cookies Statement, your only remedy is to discontinue with the use of this website.
We reserve the right to change this Privacy & Cookies Statement from time to time in our sole discretion. If we make any changes, we will post those changes here so that you can see what information we gather, how we might use that information and in what circumstances we may disclose it. By continuing to use our Site after we post any such changes, you accept and agree to this Privacy & Cookies Statement as modified. Each time you use this Site you will be bound by the then current Privacy & Cookies Statement and you should review it each time you use the Site to satisfy yourself that you are happy with it.

Governing Law and Jurisdiction

This Privacy & Cookies Statement and all issues regarding this website are governed by Irish law and are subject to the Irish courts.
General
Delay or failure on our part in enforcing any of our rights shall not constitute a waiver by us of our rights and remedies. If any part of this Privacy& Cookies Statement is held to be invalid or unenforceable, the validity or enforceability of the remainder will not be affected.

Contact us

Questions, comments, requests and complaints regarding this Privacy & Cookies Statement and the information we hold are welcome and should be addressed to our Data Protection Compliance Officer at info@osg.ie or sent in writing to OSG Outsource Services Group Limited, Merrion Hall, Strand Road, Sandymount, Dublin 4. All requests will be dealt with promptly and efficiently.

Disclaimer

This OSG website contains general information about OSG and all of its services. The materials contained on or in this website are provided for general information purposes only. All materials and information are provided “AS IS” and without warranties express, implied or otherwise howsoever arising. OSG cannot be liable for inaccuracies, errors, omissions or misleading information contained on or in this website. To the fullest extent permitted by applicable law, neither we nor any of our employees, consultants, affiliates or other representatives will be liable for loss or damage arising out of or in connection with the use of the materials on or in this website or any facilities or services offered through this website. We are not responsible for the content of any external sites whether or not linked to or from this website.
Your use of any information or materials on this website is entirely at your own risk for which OSG shall not be liable. It shall be your responsibility to ensure that any products, services or information available through this website meets your specific requirements.
This website contains material which is owned by or licensed to OSG. This material includes, but is not limited to, the design, layout, look, appearance and graphics. The content of this website, including its design and layout are protected by trade mark, copyright and other intellectual property laws and may not be reproduced by you without our prior written consent. Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.

© 2015 OSG Outsource Services Group Limited