Privacy policy

The aim of this policy is to inform data subjects of the various processing operations carried out by this company through the website and which affect their personal data in accordance with the provisions of Organic Law 3/2018 of 5 December on the Protection of Personal Data and the Guarantee of Digital Rights and Regulation (EU) 2016/679 of the European Parliament and Council of 27 April 2016.

IDENTITY AND CONTACT DETAILS OF THE DATA CONTROLLER

MERIDIANO S.A COMPAÑIA ESPAÑOLA DE SEGUROS, with registered address at AV. JEAN CLAUDE COMBALDIEU, 5 (03008 ALICANTE) ALICANTE, with Tax ID no. A18006296, contact telephone no.: 965021512 and email address protecciondedatos@grupoasv.com.

DATA PROTECTION OFFICER

SEGURIDAD Y PRIVACIDAD DE DATOS S.L., with registered office at Avenida Cortes Valencianas Edificio Géminis Center, nº 39,13º C y D 46015, Valencia, contact telephone number: 900 85 85 50 and email address: infodpo@forlopd.es.

PURPOSES OF THE PERSONAL DATA PROCESSING

We will process your personal data for the following purposes:

• Assessment, selection, and pricing of the risk associated with your request.
• Management of the request and offering the insurance product that best meets the applicant’s requirements and needs.
• Scoring based on the user's profile for actuarial and market analysis purposes, which is needed to determine the risk and premium of the insurance contract, both when it is taken out and during its term, in view of any new personal circumstances or the change in the technical actuarial basis.
• Consult common files covered by insurance sector codes of conduct with the aim of preventing fraud.
• Consultation of common risk selection and pricing files, concerning non-compliance with obligations and economic solvency.
• Disclosure of information to public authorities, regulators or government bodies in those cases where it is necessary to do so and acting jointly with State Security Forces and Corps.
• Communication of the details of the policyholder, insured party, beneficiary or aggrieved third party to reinsurance entities when necessary to arrange reinsurance contracts under the terms of article 77 of Act 50/1980, of 8 October, on Insurance Contracts or to perform related transactions.
• Carry out the pertinent checks as provided for under current Spanish laws on the prevention of money laundering and countering the financing of terrorism.
• Carry out the health questionnaire and obtain a confidential risk assessment about the policyholder from any doctor or hospital.
• Manage the resolution of complaints and conflicts that may arise between policyholders, insured parties, beneficiaries, aggrieved third parties or the successors of any of them.
• Exchange of information between the entities that make up the ASV GROUP (which can be consulted in section 12 of this policy), in order to comply with supervisory obligations.
• Understand how people browse the website in order to detect possible computer attacks on our website.
• Publish your comment, opinion/testimony on our website and check that it is not offensive, discriminatory, does not incite hatred and violence, does not disclose personal data, and if necessary, delete it as provided for under current legislation.
• Answer the doubts and/or complaints raised through our contact forms or request information about insurance and provide the requested information.

LEGAL BASIS FOR PROCESSING

The legitimation to carry out each of the purposes identified in the previous section is indicated as follows. The purposes indicated are lawful since they are carried out for the following reasons:

1) LEGAL OBLIGATION

• Assessment, selection, and pricing of the risk associated with your request.
• Scoring based on the user's profile for actuarial and market analysis purposes, which is needed to determine the risk and premium of the insurance contract, both when it is taken out and during its term, in view of any new personal circumstances or changes in the technical actuarial base.
• Disclosure of information to public authorities, regulators or government bodies in those cases where it is necessary to do so and acting jointly with State Security Forces and Corps.
• Carry out the pertinent checks as provided for under current Spanish laws on the prevention of money laundering and countering the financing of terrorism.
• Carry out the health questionnaire and obtain a confidential risk assessment about the policyholder from any doctor or hospital.
• Consult common files covered by insurance sector codes of conduct with the aim of preventing fraud.
• Consultation of common risk selection and pricing files, concerning non-compliance with obligations and economic solvency.
• Manage the resolution of complaints and conflicts that may arise between policyholders, insured parties, beneficiaries, aggrieved third parties or the successors of any of them.
  In this case, the data subject may not refuse the processing of the personal data.

2) EXECUTION OF A CONTRACT OR IMPLEMENTATION OF PRE-CONTRACTUAL MEASURES

• Management of the request and offering the insurance product that best meets the customer's requirements and needs.
• Consultation of common risk selection and pricing files, concerning non-compliance with obligations and economic solvency.
  These purposes are necessary to execute pre-contractual measures, if you object to the processing of the data for these purposes then it will not be possible to contract our services.

3) LEGITIMATE INTEREST

• Consult common files covered by insurance sector codes of conduct with the aim of preventing fraud.
• Communication of the details of the policyholder, insured party, beneficiary or aggrieved third party to reinsurance entities when necessary to arrange reinsurance contracts under the terms of article 77 of Act 50/1980, of 8 October, on Insurance Contracts or to perform related transactions.
• Understand how people browse the website in order to detect possible computer attacks on our website.
• Exchange of information between the entities that make up the ASV GROUP (which can be consulted in section 12 of this policy), in order to comply with supervisory obligations.
  In this case, the data subject may not refuse the processing of the personal data, although they may, where appropriate, exercise the rights set out in paragraph eight of this policy.

4) PUBLIC INTEREST

• Consult common files covered by insurance sector codes of conduct with the aim of preventing fraud.
• Disclosure of information to public authorities, regulators or government bodies in those cases where it is necessary to do so and acting jointly with State Security Forces and Corps.
  In this case, the data subject may not refuse the processing of the personal data, although they may, where appropriate, exercise the rights set out in paragraph eight of this policy.

5) USER CONSENT

The consent that you have given us to process your data for the purposes indicated above. If you refuse to provide your personal data then it will not be possible for us to process your data for the purposes indicated above.

DATA STORAGE PERIODS OR CRITERIA

The personal data provided will be kept for the time necessary to fulfil the purposes for which they were initially collected.
Once the data are no longer needed for the data processing in question, they will be blocked to make them available to the competent Public Administrations and Bodies, Judges and Courts or the Public Prosecutor's Office, if necessary, during the period until the expiry of the statute of limitations of the actions that may arise from the relationship maintained with the client and/or the storage periods provided for by law.

AUTOMATED DECISION-MAKING AND PROFILING

The website does not make automated decisions and does not create profiles.

RECIPIENTS

During the period in which your personal data is processed, the organisation may transfer some of your data to the following recipients:

• Companies that are part of the ASV GROUP can be consulted in section 12 of this policy.
• Common files for the settlement of claims, statistical actuarial collaboration and for preparing insurance technique and fraud prevention studies.
• Judges and Courts.
• Banks and Financial Institutions.
• State Security Forces and Corps.
• Lawyers, Court Attorneys and Notaries.
• Medical and hospital centres.
• Pension fund managers.
• Register of Insurance Contracts for death cover (under the Ministry of Justice).
• Detectives.
• Claimants.
• Documentation managers.
• Managers of collective accidents.
• Rehabilitation managers.
• Medical appraiser.
• Salvage companies.
• Average adjusters.
• Rebuilders.
• Cause investigators.

INTERNATIONAL DATA TRANSFERS

The company does not carry out any International Data Transfers.

RIGHTS

The data subjects will have the right, at any time and completely free of charge, to have MERIDIANO S.A. confirm whether or not their personal data are being processed and, if so, to request access to the personal data and to certain information on the processing (purposes, categories of data processed and recipients, inter alia). You also have the right to request the correction of incorrect data, as well as the deletion of such data when they are no longer necessary for the purposes for which they were collected, and for various other reasons. In certain circumstances (for example, if the applicant contests the accuracy of his or her data, while the accuracy of the data is being verified), you may request that the processing of your personal data be limited, and that they only be processed for the exercise or defence of claims. You are also entitled to revoke consent and exercise your right to data portability, in other words you are entitled to receive your personal data in a structured, commonly used and machine-readable format and to transmit them to another data controller without being prevented from doing so by the data controller to whom you have provided them, in the cases provided for by law. You also have the right to object to the processing, at any time, for reasons related to your particular situation, if the processing is based on the legitimate interest of MERIDIANO S.A. or a third party. In this case, MERIDIANO S.A. will bring the processing to an end, unless it accredits legitimate reasons to continue with it.
Where appropriate, you will have the right not to be subject to a decision based solely on automated processing, including profiling.

To do so, you can use the forms provided by the company or send a letter to the company at the postal address or email address indicated above. In all cases, you will have to attach a photocopy of your ID card or equivalent document along with your request, to prove your identity.

If you feel that your rights regarding the protection of your personal data have been violated, especially if you have not been satisfied in the exercise of your rights, you may file a complaint with the competent Data Protection Supervisory Authority (the Spanish Data Protection Agency), through its website at: www.agpd.es.

As provided for under article 21 of Act 34/2002 on the Information Society Services and Electronic Commerce, if you do not wish to receive further information about our services, you may unsubscribe by sending an email to the address protecciondedatos@grupoasv.com, with he subject line “No recibir más publicidad (Do not wish to receive more publicity)”

DATA CORRECTNESS

The data subject guarantees that the data provided are true, exact, complete and up to date; and undertakes to inform the company of any change in the data provided, through the channels enabled to that effect and indicated in point one of this policy. The data subject shall be liable for any direct or indirect damage or harm it may cause as a result of failure to comply with this obligation.

If the user provides data from third parties, he or she declares that he or she has the consent of the data subjects and undertakes to transfer the information contained in this clause to them, exempting the organisation from any liability deriving from the failure to comply with this obligation.

The data provided through our web forms, object of treatment may concern the policyholder, or any third natural person connected with the insurance contract (e.g.: insured parties, beneficiaries or aggrieved third parties). In this case, you declare that you have previously and adequately informed such persons about the processing of their personal data.

DATA ORIGIN

• The personal data processed (including health data) will be those that we collect about you as part of the pre-contract and/or insurance contract and those that we obtain from other available sources, provided that such collection is permitted by law:
• With regard to the information provided by you, we may process those data provided prior to the contracting of the insurance contract through the web forms (calculate your insurance, request more information, contact) as well as those included in the policy and/or those generated during the contractual relationship; and
• As for the information collected from other sources, we will process the data we obtain from common files covered by insurance sector codes of conduct for actuarial statistical purposes, claims settlement and fraud prevention, and asset and credit solvency purposes. Also, as part of the execution of the insurance contract, data may be collected from other third parties, such as lawyers, experts, insurance companies, hospitals and workshops.

CATEGORY OF THE DATA PROCESSED

DATA CATEGORY:

• Identification data.
• Identification codes or keys.
• Postal or electronic addresses.
• Contact telephone no.
• Commercial information.
• Economic data.
• Data of the insured risk.
• Health data (necessary for taking out certain types of insurance).

ENTITIES THAT MAKE UP THE ASV GROUP