H International-Brokers.com IB, strives to protect the privacy and confidentiality of the Personal Data it processes in relation to the services it provides to customers. The services of International-Brokers.com IB mainly concern consulting services of risk management and insurance mediation, which facilitate the examination, access, management of claims in the context of insurance services.
Insurance is the concentration and sharing of risk in a contingency. To this end, information, including the Personal Data of different categories of clients, needs to be disclosed to different persons participating in the insurance market, during the life cycle of the insurance:
- Special offer
• Insurance Beneficiary: Is the natural or legal person applying for insurance to protect himself from the risks that could affect him. The policyholder can approach an Intermediary (such as International-Brokers.com IB) to purchase the insurance or they can approach an Insurer directly or use an online price comparison platform.
• Intermediary: It is the natural or legal person who assists the Insurance Recipient and the Insurers to arrange the insurance coverage. Can provide advice and manage requirements. Many insurance and reinsurance contracts are obtained through intermediaries.
• Insurer: Also known as an Insurance Company or "underwriter". Provides insurance coverage to the Recipient of the insurance against payment (premium).
• Reinsurer: The legal entity that provides insurance coverage to another Insurer or Reinsurer. This insurance is known as reinsurance.
Sources of personal data
We collect personal data from various sources, including:
• Individuals and their family members, online or by telephone, or by mail
• The employers of natural persons
• In the event of a claim, third parties including the other party to the claim (plaintiff / defendant), witnesses, experts (including medical experts), experts, lawyers and claims settlers
• Other participants in the insurance market, such as Insurers, Reinsurers and other Intermediaries
• Credit information offices (to the extent that International-Brokers.com IB assumes credit risk)
• Anti-fraud databases and other third-party databases, including lists of penalties
• Government services, such as vehicle registration authorities and tax authorities
• Damage forms
How we use and disclose your personal data
In this section, we define the purposes for which we use personal data, explain how we share information, and identify "Legal basis»On which we rely to process information.
These "Legal Basis" are set out in the General Data Protection Regulation 2016/679 / EU (GDPR), which allows companies to manage Personal Data only when processing is permitted by the specific legal bases set out in the Regulation (as discussed below). ).
In order to facilitate the provision of insurance coverage and the management of insurance claims, we rely on the consent of the data subject to process Special Categories of Personal Data such as medical data and data relating to criminal convictions, as defined in the table above, as well as for the outline of the profile as defined in the next paragraph. This consent allows us to share information with other Insurers, Brokers and Reinsurers who may need to process the information in order to play their role in the insurance market (which in turn allows risk to be accumulated and priced in a sustainable way. ).
The consent of the person affected by this processing of Special Categories of Personal Data and data relating to criminal convictions is a prerequisite for being able to International-Brokers.com IB to provide the services requested by the customer.
Where you provide us with information about individuals other than you, you agree to notify them of the use of their Personal Data by International-Brokers.com IB and receive their consent for us.
Individuals may withdraw their consent to such processing at any time. However, withdrawing consent may prevent International-Brokers.com IB to continue to provide its services. In addition, if a person withdraws their consent regarding the processing by the Insurer or the Reinsurer of the Special Categories of Personal Data and data related to criminal convictions, it may no longer be possible to continue the insurance coverage.
CREATE A PROFILE AND AUTOMATED DECISION-MAKING PROCESS
The premiums are calculated by the Participants in the Insurance Market by conducting comparative studies of the characteristics of customers and beneficiaries against other customers and beneficiaries as well as by studying the trends of insurance cases before they occur. The comparative study requires both International-Brokers.com IB as well as other Participants in the Insurance Market to analyze and gather information received from all policyholders, beneficiaries or persons who raise a claim in order to model these trends. Therefore, we may use Personal Data to combine the information with the models and create the standards that determine pricing in general but also for other policyholders. THE International-Brokers.com IB and other Participants in the Insurance Market may use Special Categories of Personal Data and data related to criminal convictions to create the above models to the extent that is appropriate and necessary, such as for example the medical history for life insurance.
THE International-Brokers.com IB and other Insurance Market Participants use similar forecasting techniques to evaluate the information provided by customers and individuals in order to understand the forms of fraud, the likelihood of future losses that actually occur in loss scenarios.
When customers use our invoicing platform (Portal), the insurance offers offered arise only if the information provided by the customer meets the criteria set by the insurers and set, to the extent permitted by applicable law,
a. if an offer is made,
b. on what terms it will be given,
c. And at what price.
These automated processes may result in no insurance being offered to a customer or affecting the cost or terms of insurance.
Customers can ask us to provide them with information about the decision-making methodology and ask us to confirm that the automated decision is correct. We may reject the application if permitted by applicable law, especially where the provision of information could lead to the disclosure of a trade secret or prevent the prevention or detection of fraud or other crime, but generally in these cases confirm that the algorithm and data source are working as expected without error or bias.
The prices generated by our company's pricing platform are generated from data we receive from insurance companies or from the use of web services provided by us.
In the event that an insurance company changes the invoicing parameters without notifying us, we are not responsible for the invoicing error. For this reason we consider the prices to be indicative and before completing your insurance application, we will ask for confirmation of the price from the insurance company
We apply physical, electronic and procedural security measures appropriate to the sensitivity of the information we hold. These measures vary depending on the sensitivity, format, location, quantity, distribution and storage of Personal Data, and include measures designed to keep Personal Data protected from unauthorized access. Where appropriate, these measures include encryption of communications via SSL, encryption of information during storage, firewalls, access controls, segregation of duties and similar security protocols. We restrict access to Personal Data to staff and third parties who are required to have access to this information for lawful, relevant commercial purposes.
Restriction on collection
The periods of retention of Personal Data are determined by our professional needs and the requirements of the law. We keep the Personal Data for as long as necessary for the purpose / purposes of the processing of the information collected, and for any other permitted relevant purpose we are permitted or as required by law. For example, we may retain certain details of a transaction and related correspondence until the transaction margin arises, or to comply with regulatory requirements regarding the retention of such data. When Personal Data is no longer required, then we either proceed with irrevocable anonymization of the data (and may further retain and use the anonymized data for our own statistical purposes) or securely destroy it.
Cross-border data transfer
Some countries outside the EEA have been approved by the European Commission to provide substantially equivalent protection such as data protection laws in the EEA. EU data protection laws allow International-Brokers.com IBto transfer data freely to these countries.
If we transfer Personal Data to countries other than the EEA we will establish the legal bases justifying such transfer, a model of contractual clauses, the consent of the data subjects or other legal bases permitted by the applicable legal requirements.
Individuals can request additional information regarding the specific security measures that apply during the export of Personal Data by contacting the Data Protection Officer at the following address.
Accuracy, transparency, responsibility
We strive to maintain Personal Data that is accurate, complete and up to date. Individuals should contact us at the email address [email protected] to update their details.
Questions about her privacy practices International-Brokers.com IB should be addressed to its Data Protection Officer International-Brokers.com IB.
Under certain conditions, individuals have the right to request from International-Brokers.com IBto:
• Provide more details on how we use and process their data,
• Provide a copy of the Personal Data we hold about the individual,
• To correct any inaccuracies that exist in the Personal Data that we keep,
• Delete the Personal Data for which we no longer have a legal basis for their processing,
• To object to any processing of Personal Data that the International-Brokers.com IBjustifies the legal basis of the "legitimate interest", unless the reasons given and justifying such processing outweigh any damage to the individual's right to privacy, and
• Limit how we process Personal Data while considering your request.
These rights are subject to certain exceptions for the protection of the public interest (eg the prevention or detection of crime) and our interests (eg the maintenance of a legal interest). We will respond to most of your requests within 30 business days.
In the event that we are unable to resolve a query or complaint, the individual has the right to file a complaint with the Personal Data Protection Authority.
Questions, requests, complaints
Data Protection Officer
256 Mesogeion Ave.
155 61 Cholargos
Our policy is subject to change at any time. The last update was made on April 30, 2018. If we make changes to this policy, we will update the date of the last change. Any changes we make to this policy are effective as soon as we publish the revised policy on this site. We recommend that you check this policy regularly for changes. The official language of our policy is Greek and any other translation has no legal force.