RESPONSIBLE FOR THE DATA PROCESSING
Owner: COSTA SERRA, S.L. (hereinafter, La Correduría)
Registered office: Carrer de Baldomer Solà, 1 08912 Badalona
Telephone: 933 995 718
PERSONAL DATA COLLECTED AND PROCESSED
The personal data that we collect and process is obtained directly from you or your legal representative, through forms, communicating with us by post, telephone, email, WhatsApp, or otherwise.
All the information that you provide us must be truthful, taking responsibility for all the data that you communicate to us and must keep the information perfectly updated so that it responds, at all times, to the real situation. In any case, the person who provides the information will be solely responsible for any false or inaccurate statements made and the damages caused to THE BROKERAGE, or third parties for the information provided.
In the case of providing us with information about other people, you must obtain their consent. This is applicable to all data, and especially, if any, to sensitive data such as those related to administrative sanctions. If you provide us with information about other people, you are confirming that you have their permission and that these people have understood how that information will be used.
The personal data that we may collect and process about you are the following:
Identifying Data: Name, address, email, telephone numbers, sex, marital status, date and place of birth, nationality, family details (for example, in second drivers linked to the policy), ID, Passport, Driving license, License plate, make and model of the vehicle, date of purchase of the vehicle, ownership of the vehicle, existence of renting or bank credit on it, recording of calls, etc. Navigation data on our website (for example, IP address).
Financial information: Details of the bank account or payment card, or other secure means of payment (for example, PayPal).
Risk details: Information that we must collect to evaluate the risk for which coverage is requested and to facilitate the quotes of the insurance companies that best suit your needs. This may include driver’s license withdrawals, claims history with / without liability, cancellations by another insurer, use of the vehicle (private or company), for classic car insurance, current vehicle kilometers.
Credit and anti-fraud data: Credit history, penalties and crimes, and information received from various anti-fraud databases related to you (Credit reference agencies – credit and equity solvency files).
Information on Services: Information on the quotes you receive and the policies you take out.
Advice in the event of a claim: Existence or not of bodily injury in the event of an accident (this information is collected for the sole purpose of advising the policyholder on the management of the claim with the insurance company, not collecting information on the nature and extent of the injuries ).
Past and current claims: Information about past and current claims (including other unrelated insurance), which may include personal data.
Special categories of personal data: Data relating to penalties and penalties.
Marketing and communications data: Your desire and consent to receive our commercial and third-party communications, as well as your communication preferences.
Statistical and Demographic Data: We also collect, use and share aggregated data such as statistical or demographic data for any purpose. Aggregated data may be derived from your personal data, but it is not considered personal data according to the regulations as this data does not reveal your identity directly or indirectly.
The purposes for which we collect and process your personal data are the following:
We will only use your personal data for the purposes for which it was collected, unless we reasonably consider that we should use it for some other reason and that reason is compatible with the original purpose.
In the event that we need to use your personal information for unrelated purposes, we will notify you well in advance and explain the legal basis that allows us to do so.
Beginning of the Brokerage relationship
Acquisition of customer status;
Evaluate the risks to be covered and assess the appropriate policy / premium;
Objective advice on the different insurance products that best suit your needs;
Fraud detection and prevention;
Where appropriate, management of the premium payment to the insurance company.
Customer service, including communication by any means and sending updates or other communications related to your policy.
Carry out quality controls in relation to the services provided with respect to the insurance contracted.
Attention and management of claims
Management of insurance and reinsurance claims.
Defense before the insurance company.
Advice on the exercise or defense of claims of any kind that may arise from the contractual relationship maintained.
Contact the insured / policyholder to renew the insurance policy
Advise you as a client objectively on the different products
insurance that best suits your needs.
In your case, management of Payment of the premium to the insurance company.
Other purposes outside the insurance life cycle, but necessary for the provision of insurance throughout the life cycle of the insurance
Comply with our legal and regulatory obligations.
Marketing and publicity
To make suggestions and recommendations to you about products, services or
offers directly related to the insurance sector that can
To provide you with information regarding contests, promotions, events or
To make suggestions and recommendations to you on topics indirectly related to insurance, such as health, automotive or any related topic that is fashionable.
We collect your personal data through the following means:
By phone (call recording);
Websites of insurance price comparators that you have accessed
looking for a budget;
Fairs and / or events organized on the sector;
Public access sources.
LEGAL BASES FOR THE TREATMENT OF YOUR DATA
The legal bases that justify the processing of your data for the specified purposes are the following:
You have given your explicit consent to the processing of such personal data for one or more specific purposes, in which we cannot obtain, provide or administer insurance coverage without this consent.
You are free to withdraw your consent by contacting our Treatment Manager. The withdrawal of this consent may affect our ability to purchase or manage insurance or help with the payment of claims.
Execution of the contract signed with you
The treatment is necessary for the celebration and / or execution of a contract to which it is a party.
Compliance with a legal obligation
The treatment is necessary to comply with a legal obligation to which we are subject.
In the public interest
The treatment is necessary for the performance of a task carried out in the public interest.
For our legitimate interests
The treatment is necessary for the legitimate interests pursued by THE BROKERAGE or a third party, except when said interests are overridden by their interests or fundamental rights and freedoms, which require protection of personal data.
For legal claims
The treatment is necessary for the establishment, exercise or defense of legal claims or when the courts exercise their powers.
TIME OF STORAGE OF YOUR PERSONAL DATA
We will keep your personal data only for as long as it is necessary and for the purposes for which it was originally collected.
We will have to save the data as long as there is any possibility of filing a legal claim under the insurance contracted by both parties, or when we are required to save your personal data due to legal or regulatory reasons (Insurance Contract Law, Regulation and Supervision Law of private insurance, Law of Mediation in Private Insurance and Reinsurance, Law on distance marketing of financial services for consumers, Law on civil liability and insurance in the circulation of motor vehicles, distribution regulations, as well as any other that out of application).
However, the data will remain in a blocked situation during the periods determined by the regulations specified above, in order to be able to meet the responsibilities that may be generated. Once these periods have elapsed, they will be deleted, unless the interested party has authorized their treatment for specific purposes for a longer period.
In some circumstances, we may anonymize your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without prior notice.
COMMUNICATION OF YOUR PERSONAL DATA TO THIRD PARTIES
You can contact us for more information regarding the communication of your personal information.
The third parties listed below will only use your personal information under our strict instruction and have an obligation to ensure that appropriate security measures are in place.
Anti-fraud and sanctions database providers;
Credit reference agencies – equity and credit solvency files;
In the event of non-payment by the Client, THE BROKERAGE may transfer your data to companies in charge of debt recovery, complying with the applicable regulations;
IT service companies to insurance companies;
Professional advisors including auditors, lawyers, tax advisers, experts, experts, and media sales agencies;
Third parties involved in claims / investigations / prosecutions;
State Security Forces and Bodies;
Judges, Courts and other organs of the Public Administration;
IT and systems administration service providers;
Event organizers, event exhibitors and any other third party that participates in the organization or in the contribution of events of THE CORREDURÍA;
Communication Platforms and Marketing / Advertising Companies;
Banks / Savings banks;
Telephone providers used as part of Customer Service;
Satisfaction survey entities;
Software / system providers;
General Directorate of Insurance and Pension Funds or other Public Administration Bodies with competence in the matter.
Administration body with authority over us or you, such as when there is a court order, legal obligation, etc.
Currently LA CORREDURIA does not carry out any international transfer of data
personal outside the European Union.
However, and if it occurs in the future, we want to make sure that your data is stored and transferred safely. Therefore, we will only transfer them outside the European Union, when the legislation on data protection is complied with and the means of transfer offer adequate guarantees in relation to your data, for example:
By means of a data transfer agreement that incorporates the standard contractual clauses in force established by the European Commission for the transfer of personal data by those responsible for the treatment in the EEA to those responsible and in charge of the treatment in territories that lack adequate protection laws of data; or
Subscribing to the EU – US Privacy Shield framework for the transfer of personal data from entities based in the EU to entities located in the United States or other equivalent agreement in relation to other territories; or
By transferring these data to countries for which the European Commission has adopted an adequacy decision regarding the degree of protection conferred by legislation; or
When it is necessary for the conclusion or performance of a contract between us and a third party, and the transfer is in the interest of your person for the purposes of said contract (for example, if we must transfer the data outside the EEA to fulfill our obligations in accordance with said contract if you are our client); or
When you have given your consent for the transfer of the data.
To ensure that your personal information receives an adequate level of protection, we will implement appropriate procedures together with the third parties with whom we exchange your personal data, to ensure that said third parties treat such personal information in a manner consistent with data protection legislation and that they respect it.
PREPARATION OF PROFILES AND AUTOMATED DETIONS
When calculating insurance premiums, members of the insurance market (insurers and reinsurers) can compare their personal data with industry averages / statistics. Your personal data may also be used to create industry averages / statistics in the future. This is known as “profiling” and is used to ensure that premiums reflect risk.
We may also process your data to create a business profile based on your personal preferences that allows us to offer you insurance products, by any means, including electronic and social media.
Members of the insurance market could make some decisions based on the profile and without staff intervention (which is
You can freely exercise your Rights of Access, Rectification, Deletion,
Opposition and Limitation to the processing of your data, as well as the portability of the
themselves and not to be the subject of a decision based solely on the treatment
automated, including profiling.
Specifically, you have the right to:
That we provide you with more details about how we use your data
personal / special category of data.
That we facilitate access to your personal data, even obtaining a
copy of the personal information that you have provided to us;
That we update any inaccuracies in your personal data;
That we delete any special categories of personal data / personal data that no longer have a legal basis for their use;
When the treatment is based on express consent, withdraw said consent given (without retroactive effects) in order for us to stop the treatment based on said consent;
Oppose any treatment based on legitimate interest, unless our reasons for carrying out that treatment outweigh any damage to your data protection rights;
Restrict the way we use your personal data while a report is being investigated;
Receive your personal data in a structured and commonly used electronic format and be able to transmit it to another person in charge;
Request your cancellation when receiving commercial communications.
In certain circumstances, we will be forced to restrict the above rights to safeguard the public interest (for example, the prevention or detection of crime) and our interests (for example, the maintenance of legal privilege).
The exercise of rights is very personal, so for its exercise you must prove your identity or that of your Legal Representative. In the event that you do not properly prove your identity or there are doubts about the right exercised, we will contact you to clarify these points.
If you wish to exercise any of the rights set forth above, please contact us through the addresses indicated above, attaching the application request, dated and signed, as well as a photocopy of a valid identification document and an address for the purpose. of notifications.