NOTICE OF CONFIDENTIALITY to clients of Broker Ins Ltd, according to European Regulation (EC) 2016/679 on the protection of personal data
The privacy and security of your personal information is important to us, and thus we would like to call your attention to our updated Privacy Policy, which will inform you about our policies and procedures concerning the personal information we collect, maintain and disclose in connection with policies you obtain from us. This includes the preparation of offers, conclusion, service, the fulfillment of obligations, and the settlement of claims on insurance contracts, as well as processing your requests, complaints, or other inquiries to us.
Which personal data do we process?
As a rule, we process the following data:
– Names: first name, patronymic, and surname;
– National ID number (EGN) or PIN (Personal Identification Number as a foreigner);
– Contacts: e-mail, correspondence address and telephone;
– Address: permanent or current;
– Banking information: name of bank, bank account number and BIC / SWIFT code;
– Information about the owner of the insurance policy: occupation, position, place of work, citizenship, financial information, gender, age, etc.
– Tax and financial information;
– Information about an insurance contract or insurance claim;
– Health data: information about your health status and data related to your physical or mental health, as well as medical documents provided for the purpose of insuring and claiming insurance.
Why do we need to process your personal data?
This information is necessary in order for us in order to carry out our activity as an insurance intermediary, including the preparation of tenders, conclusion, services, performing obligations, and settling claims on insurance contracts.
The company processes your health data in accordance with current legislation for the purposes of preparing a bid or proposal and concluding an insurance contract. We process the health data you provide in order to prove an insurance claim, for the establishment, exercise or defense of legal claims, as well as for marketing communication and direct marketing, based on your consent.
The processing of your personal data related to your requests, complaints, or other inquiries to us is made on the basis of your unambiguous consent when you complete the relevant form, which is in compliance with legal requirements or in the legitimate interest of Broker Ins Ltd in the event of any dispute.
In certain cases we share your data with contractual partners (assistance companies, call centers, trusted doctors, insurers, reinsurers, their counterparts, etc.) on the basis of the legitimate interests of Broker Ins Ltd in fulfilling its obligations as an insurance broker as well as improve the quality of services provided. Based on our legitimate interest related to internal administrative purposes, we may share your data with other related companies.
For what purposes do we use your data?
The personal data you provide will be used for insurance mediation, administration of insurance contracts and, in certain cases, to respond to your request, complaint, or other inquiry for the purposes of:
– Risk Assessment;
– Preparation of an individual offer of insurance;
– Your timely notification of insurance premiums and insurance policies which are subject to renewal;
– Administering payments made under insurance premiums;
– Processing and responding to your requests, complaints, or other inquiries to Broker Ins Ltd;
– Assistance in using medical services;
– Improving the quality of service and raising the level of services provided;
– Processing of claims regarding the occurrence of an insurance event and payment of insurance compensation for the liquidation of damages;
– Protection of the legitimate interest of Broker Ins Ltd in the event of a possible dispute;
– Prevention of insurance fraud;
– Implementation of legal requirements, including avoidance of conflicts of interest, corrupt practices and obligations under the Law on Measures against Money Laundering;
– Marketing communication and direct marketing objectives;
– Statistical data processing
Where do we store your data?
The data we collect from you is stored within the European Economic Area (EEA) but can also be transferred and processed in a non-EEA country. Any case of transfer of your personal data will be made in accordance with applicable laws.
For transfers outside the EEA, Broker Ins Ltd will use the Standard Contract Terms and Privacy Protection for countries for which there is no adequate solution from the European Commission.
Who can access your data?
Your data may be shared with Broker Ins Ltd’s subsidiaries.
We will never transfer, sell or exchange your data for marketing purposes to third parties outside of Broker Ins Ltd and subsidiaries of Broker Ins Ltd. Data forwarded to third parties is only used to help provide our services.
Profiling
When preparing your individual insurance proposal as well as the insurance contract, your personal data may be subject to profiling through information processing systems. Depending on the specifics of the particular type of insurance, Broker Ins Ltd can use information systems to calculate the probability of an insurance event occurring. Information systems work on the basis of defined criteria developed by experts.
* Profiling is any form of automated processing of personal data, including the use of personal data to evaluate certain aspects related to an individual as regards his/her profession, economic status, health, personal preferences, domicile, etc.
With whom can we share your personal information?
Broker Ins Ltd. respects and protects the privacy of your personal data. Subject to legal requirements, it is possible to disclose your personal data to the following persons:
– Service providers (insurers, consultants, assisting companies, call centers, trusted doctors, reinsurers, their counterparts and others). When using services related to the conclusion of the insurance contract and settlement of an insurance claim, as well as technical maintenance of internal information systems and operational support of our activity, Broker Ins Ltd may disclose personal data. Such disclosure only occurs when there is good reason to do so and on the basis of a written agreement to provide recipients an adequate level of protection;
– Subcontractors who provide services both on the territory of the Republic of Bulgaria and abroad, in order for Broker Ins Ltd to fulfill its obligations under certain insurances;
– State and municipal authorities – in fulfillment of their legal obligations, Broker Ins Ltd. may be obliged to disclose personal data at the express direction of state or municipal authorities;
– Subsidiaries of Broker Ins Ltd – Disclosure of personal data in this case is carried out in compliance with applicable Bulgarian and European legislation;
How long do we store your personal data?
Broker Ins Ltd. keeps the individual documents it administers in order to fulfill obligations under insurance contracts and claims, as well as for the implementation of legal obligations.
For more detailed information on the terms of storage of all documents Broker Ins Ltd processes, you can contact Broker Ins Ltd administration and request a copy of the rules.
What are your rights with respect to your personal data?
Subject to Bulgarian law, you have the following rights to your personal data processed by Broker Ins Ltd:
To access your personal data which Broker Ins Ltd. has processed, and request a copy;
To have your personal data corrected in case of incompleteness or inaccuracies in the data that Broker Ins Ltd. processes;
To request that your data be deleted when appropriate, such as cases where you withdrew consent when consent was required and there is no legal basis for processing, or those where your data was processed illegally, etc.
To require that the processing of your personal data is limited when specified by law;
To oppose the processing of your personal data in cases where your data has been processed on the basis of a legitimate interest (listed above in this Notice);
To exercise your right to data portability and ask for your data to be provided in a structured, widely used and machine-readable format;
To withdraw your consent when the processing of your personal data is based on consent.
Detailed information about the terms and conditions under which you can exercise your rights can be found at any of the offices of Broker Ins OOD in Bulgaria.
You have the right to file a complaint with the Personal Data Protection Commission when the relevant prerequisites are in place.
Privacy Officers:
We have appointed personal data protection officers to ensure that your personal data will always be processed in an open, fair, and legitimate manner. You can contact our Privacy Officer at gdpr@brokerins.bg.
Your right to lodge a complaint with a supervisor:
If you believe that Broker Ins Ltd. has processed your personal data in an unacceptable way, you are welcome to contact us. You also have the right to appeal to a supervisor.
How to contact us:
You can contact Broker Ins Ltd at the following address:
Bulgaria, Sofia 1000,
3, Karnigradska Street,
e-mail: office@brokerins.bg;
tel .: 02 4224244
Contact details: Data Protection Officer
Bulgaria, Sofia 1000,
3, Karnigradska Street,
e-mail: gdpr@brokerins.bg;
tel .: 02 4224244