Breeze's Story: Start From Freight And Work Backwards
Eyal Goldberg
Co-Founder & CEO, Breeze
We value your privacy.
Blue Ocean Data Solution Ltd. (“Breeze”, “we” or “us”) is committed to protecting the privacy of the individuals we encounter in conducting our business. Our aim is responsible handling of customer information, balancing the benefits of activities like research and data analytics with our other commitments, including transparency and non-discrimination.
This Privacy Policy (“Policy”) describes the type of information we may collect from you or that you may provide when you visit a Breeze website, mobile application (“App”) or any other interface that links to this Privacy Policy (“Site” or “Sites”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.
We collect and hold a range of information from and about users of our services who have applied for insurance, are insured, or have submitted a claim under our insurance policies. Depending on your relationship with us (for example, as a commercial policyholder; insured business benefiting under another policyholder’s policy, or claimant; witness; commercial broker or appointed representative; or other person relating to our business), Information collected about you and your dependents may include:
Information that may allow you to be personally identified, such as name, postal address, email address, telephone number, and social security number ("personal information").
Business details, such as the number of employees that work at your company, your company's average income, and your company's Federal Employer ID Number (FEIN).
Financial information and account details to enable us to facilitate underwriting and process payments to or from you or your agent.
Recordings of telephone calls to our representatives and to call centers.
Identification numbers issued by government bodies or agencies.
Medical condition and health status
Photographs or video recordings created in connection with our insurance or other business activities, including for claims assessment, processing, settlement, and disputes, or for other relevant purposes as permitted by law.
Information to investigate or prevent crime, including fraud and money laundering.
Information enabling us to provide products and services including:
location and identification of property insured (for example, property address, vehicle license plate or identification number); travel plans; policy and claim numbers; coverage/peril details; cause of loss; prior accident or loss history; your status as director or partner, or other ownership or management interest in an organization; other insurance you hold; and details on products for which you have or seek a warranty.Information about your internet connection, the equipment you use to access our Website, and usage details.
Marketing preferences, customer feedback and survey responses.
We and our service providers may supplement the Information we collect with information from other sources, such as publicly available information from social media services, commercially available sources and information from our affiliates or business partners.
We collect your information in different ways. For example, we gather information from:
applications and other forms related to our products and through conversations with Breeze representatives, including our agents.
use of breezeai.com, our mobile sites and applications, our social media sites and applications, and interactions with our online advertisements.
transactions or experiences with us, such as payments, underwriting, and claims.
non-Breeze parties, including consumer reporting agencies that provide us with information such as driving records, claim histories, and credit information.
Where it is reasonable and practicable to do so, we collect information directly from you or from your insurance broker. This information may be collected using various means including in writing, in person, by telephone, by email or through other electronic messages.
Where it is reasonable and practicable to do so, we collect information directly from you or from your insurance broker. This information may be collected using various means including in writing, in person, by telephone, by email or through other electronic messages.
We are required to have a lawful basis (as defined) in order to process your personal data and the relevant bases which we use are show in the table below.
Providing quotations; arranging and administering insurance policies
Arranging Premium Finance/ Consumer Credit
Provision of information on products and services (Marketing)
To notify you of changes in our service
To prevent and detect fraud, money laundering and other financial crimes
To meet general legal or regulatory obligations
Statistical analysis
Necessary for the performance of an insurance contract
Necessary for the performance of a consumer credit contract
Our legitimate interests or your explicit consent
Our Legal and Regulatory obligations
Our legitimate interests – to refine and enhance the products and pricing which we can offer
We may contact you by email, text, telephone, mail or other agreed means to keep you up to date about our products and services. The legislation allows us to do this in our own commercial interests for certain communications with previous customers. In other circumstances we can only do so with your explicit consent. In all cases you can opt out from receiving such communications at any time.
As a necessary part of providing you with the services described above we may need to disclose your personal data to other third parties. These may include: Premium Finance companies, Computer bureaux/Software Houses, Insurers, Other Insurance Intermediaries, Insurance Industry databases, Government databases, Credit agencies, Regulatory authorities, the Police and other law enforcement bodies.
To prevent and detect fraud we may at any time:
Share information about you with other organisations and public bodies including the Police
Check and/or file your details with fraud prevention agencies and databases
Undertake credit searches and additional fraud searches
We can supply on request further details of the databases which we use.
To make sure you get the best price and terms for your Insurance, we will use the widest possible range of Insurers available to us including some who now carry out searches of their own to protect customers from fraud and to verify identity. They do this using publicly available data which they obtain from a variety of sources, including a credit reference agency and other external organisations to whom they may need to pass some of your personal information. Their search will appear on your credit report whether or not you take out or renew a policy with them. As well as these searches, some Insurers may use a credit check to ascertain the most appropriate payment options for you. This credit check will also appear on your credit report whether or not you take out or renew a policy with them.
For our on-line systems we carry out automated decision making to decide whether we can provide insurance to you and at what price. For all our quotation systems we may use external data from Credit agencies, Electoral Roll, etc. to help in decision-making on pricing and risk acceptance. This may be regarded as “profiling” as defined in the legislation. The legislation for both of these requires safeguards in the event that they have a legal or similarly significant effect on individuals. We do not consider that our processing poses such risks but you have rights to further information on these processes as explained below.
Your data will not be retained for longer than is necessary and will be managed in accordance with our data retention policy. In most cases the period will be for a maximum of 7 years following the expiry of an insurance contract unless we are required to retain the data for a longer period due to business, legal or regulatory requirements.
The right to be informed about how we use your personal data (This Privacy Notice)
The right to see a copy of the personal information we hold about you. (In most cases this will be free of charge)
The right to have personal information rectified if inaccurate or incomplete
The right of erasure of your personal information where there is no compelling reason for its continued processing
The right of erasure of your personal information where there is no compelling reason for its continued processing
The right to data portability which, subject to certain conditions, allows you to obtain and reuse your personal data across different services
The right to object to certain processing including for the purposes of direct marketing
Rights to information in relation to automated decision making and profiling
If you have a complaint about how we use your personal information, please contact us at the address below. You also have the right to lodge a complaint with the Information Commissioner’s office at any time. For further information on this Privacy Notice, to access your personal information or to exercise any of your other rights, please contact The Data Protection Manager, Eyal Goldberg at 201 Haverstock Hill, Second Floor C/O Fkgb, London, England, NW3 4QG
and at eyal@breezeai.com
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It proved to be a very good decision for two main reasons.
First, it made us realize that forwarders are the only reason we have a functioning global supply chain. Everyone talks about supply chain these days, but it’s very hard to understand what it actually means. Having worked as forwarders we now know- freight forwarders ARE the supply chain, and when people talk about supply chains they actually talk about freight forwarders (often without understanding and appreciating it).
We gained a tremendous amount of respect for forwarders, and fell in love with the industry they represent. Their constant passion to move things from A to B, on time, at the right price and always think about their customers is perfectly aligned with what we strongly believe in - customer obsession.
Secondly, we discovered a major gap that exists for forwarders around protecting their customers’ cargo. As freight forwarding agents, we found that cargo insurance is often missed, and is not being proactively offered to shippers when they book their shipments. Shippers often don’t even know that their cargo isn't insured, and many of them mistakenly think that insurance is already provided by default as part of the shipment (which isn’t the case). Deep-diving into this, we found that an estimated 60 to 80 percent of global cargo is un-or-under insured. Our product and business senses started to tickle.
The two main reasons forwarders aren’t properly offering insurance are: (1) they have A LOT on their plate, and often don’t think about insurance; and (2) they don’t have the right tools and technology to seamlessly add this to their processes. Finding a solution for these problems became our main goal and obsession. We thought that finding a solution would allow forwarders to offer insurance for every shipment, at the time of booking, and in doing so ensure that shippers are properly protected - while also providing superb customer service and, as a result, increasing sales and revenues.
Breeze was founded. Breeze focuses solely on developing products that allow forwarders and other logistics companies (such as shipping companies) to offer cargo insurance to their customers, fully embedded at the point of booking and without any effort or additional resources needed. Breeze’s product suite offers solutions both for traditional forwarders and logistics companies and fully digital ones (and everything in-between).
Seeing our progress over the last year, and acknowledging the huge potential in what we are doing, we were backed by highly-rated insurers and investors from around the world.
This is what we do, and the only thing we do - allowing forwarders to focus on powering the global supply chain, while leaving everything related to cargo insurance to us. We are loving every moment of it and enjoying this wonderful global voyage with our partners.
For more information please visit www.breezeai.com, or reach out directly to Eyal Goldberg at eyal@breezeai.com.
© 2024 Breeze. ALL RIGHTS RESERVED. (CA License#: 6007491)
