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PRIVACY DISCLAIMER<\/b><\/p>\n
INDEX<\/b><\/p>\n INTRODUCTION<\/strong><\/p>\n Insurance Placement Agency Srl (hereinafter IPA or us), a company subject to the management and control of Special Risks Group Holding Limited (a company incorporated under Irish law), is committed to protecting the privacy and confidentiality of the Personal Data it processes as part of the services provided, even indirectly, to customers.<\/p>\n The services offered by IPA essentially consist of the supply of insurance products, mostly wholesale, risk consultancy and insurance intermediation, as well as the submission of compensation requests as part of these services and generally in the management of insurance relationships.<\/p>\n Insurance is the contract with which a person (called Contractor) insures his own assets (or that of another person who assumes the role of sole Insured) in relation to the consequences of a future and uncertain event, assuming the characteristic of a contract random; the insurance contract includes objective and subjective limits of operation and limitations of the Insurers’ obligation to indemnify.<\/p>\n For this purpose it is necessary that information, including Personal Data of different categories of people, is shared between the various operators in the insurance market during the entire life cycle of the insurance.<\/p>\n The operators of the insurance market <\/b>are <\/b>definable as follows:<\/p>\n Contractors <\/b>: this term refers to individuals who take out insurance to protect their own or third party assets against future and uncertain risks. To purchase an insurance product \/ stipulate an insurance contract, these individuals can use an Intermediary, contact an Insurer directly or consult a rate comparison website.<\/p>\n Intermediaries <\/b>: they are the Operators who assist Contractors and Insurers in arranging insurance coverage. They can offer advice and manage compensation claims. Many insurance and reinsurance policies are stipulated through authorized intermediaries.<\/p>\n Insurers (also called Underwriters)<\/b> o Insurance Companies: <\/b>provide insurance coverage to Contractors upon payment of a premium within the limits set out in the insurance contract.<\/p>\n Reinsurers <\/b>: provide insurance coverage to other Insurers or Reinsurers. This type of insurance is called \u201creinsurance\u201d.<\/p>\n During the pre-contractual phase and subsequently during the life cycle of an insurance, IPA may receive Personal Data relating to current or potential Policyholders, policy beneficiaries, their family members, applicants and other parties involved in an insurance claim. Therefore, in the context of this information, the term \u201cdata subjects\u201d refers to any living person included in the previous list in which Personal Data is received by IPA in connection with the services that the company provides in the framework of the commitments undertaken towards its clients. This information defines the criteria according to which IPA uses, stores, transfers and protects the Personal Data and discloses them to other operators in the insurance market and to other third parties.<\/p>\n PURPOSE OF THIS INFORMATION<\/strong><\/p>\n This information explains IPA’s data processing methods and policies. It applies to all personal data that you provide to us and to all data that we collect from other sources, unless a different, more specific privacy statement is provided to you at the time of data collection.<\/p>\n This information refers to and is valid only for the IPA site and not for other sites that may be consulted via links.<\/p>\n IDENTITY OF THE DATA CONTROLLER AND CONTACT DETAILS<\/strong><\/p>\n Insurance Placement Agency Srl, Corso di Porta Nuova n. 16 \u2013 20121 Milan, Italy (IPA or us) is the data controller of the Personal Data that it processes in connection with the services provided in the framework of the commitments undertaken towards its customers.<\/p>\n In some cases, IPA and the client may have agreed that in the performance of certain services IPA acts as data controller. In such situations IPA will retain the Personal Data in accordance with what is established between IPA and the customer.<\/p>\n It is specified that each list referred to in this information is illustrative and not exhaustive in nature.<\/b><\/span><\/p>\n PERSONAL DATA WHICH MAY BE SUBJECT TO PROCESSING<\/strong><\/p>\n IPA may process the following Personal Data:<\/p>\n Personal Data <\/b>: name, address, other contact details (e.g. e-mail address and telephone number), gender, marital status, health conditions, family data, date and place of birth, employer, qualification and work history, assets and income data, relationship with the Contractor, insured, beneficiary or applicant.<\/p>\n Identification details <\/b>: identification numbers issued by government agencies or bodies (for example, depending on the country of residence of the interested party, social or national security number, passport number, identity card number, tax code, driving license number) .<\/p>\n Financial information <\/b>: payment card number, account number and bank details, income and other financial and asset information.<\/p>\n Insurance Risk <\/b>: information on the insured risk containing Personal Data which may include, only to the extent relevant to the insured risk:<\/p>\n When the aforementioned information comes directly from interested parties, IPA takes care to inform you of the need to obtain such information and the consequences that could arise from the decision not to provide it in the appropriate form.<\/p>\n SOURCES OF PERSONAL DATA<\/strong><\/p>\n Personal Data is collected from various sources, varying depending on the nature of the services and the purpose of collection. Sources may be the following (depending on the country of residence of the interested party).<\/p>\n If by chance data of third parties are also provided (for example information on spouse, partner, children, dependents, emergency contacts) this information must be provided in advance to these people; IPA reserves the right to ask these third parties for explicit consent.<\/p>\n HOW PERSONAL DATA IS USED AND DISCLOSED<\/strong><\/p>\n This section defines the purposes for which Personal Data is used, illustrates how the information collected is shared and specifies the “legal foundations” on which IPA relies for the processing of information.<\/p>\n These \u201clegal foundations\u201d are defined in the General Data Protection Regulation (GDPR), which authorizes companies to process Personal Data only in compliance with the legal basis established in the Regulation itself (the complete description of each legal basis is available by clicking here) <\/i>.<\/p>\n Please note that, in addition to the recipients set out in the table below, IPA is authorized to disclose Personal Data for the purposes set out in this Policy to service providers, contractors, agents and Group companies carrying out activities on our behalf.<\/p>\n Estimate \/ Activation<\/b><\/p>\n Purpose of the treatment<\/b><\/p>\n Establishment of a relationship with the customer, including the necessary checks regarding fraud, money laundering and sanctioning procedures.<\/p>\n Legal foundations<\/b><\/p>\n For the processing of particular categories of Personal Data (e.g. health data) and criminal record data:<\/b><\/p>\n Recipients of the information<\/b><\/p>\n Verification of creditworthiness in case of taking on a credit risk<\/p>\n Recipients of the information<\/b><\/p>\n Evaluation of the risks covered and identification of the appropriate insurance, policy and premium<\/p>\n For the processing of particular categories of Personal Data (e.g. health data) and criminal record data:<\/b><\/p>\n Recipients of the information<\/b><\/p>\n Policy management<\/b><\/p>\n Purpose of the treatment<\/b><\/p>\n General support, including customer communications.<\/p>\n Legal foundations<\/b><\/p>\n the submission of claims under insurance policies)<\/p>\n For the processing of particular categories of Personal Data (e.g. health data) and criminal record data:<\/b><\/p>\n Collecting or returning premiums, paying claims, and processing and facilitating other payments.<\/p>\n Legal foundations<\/b><\/p>\n Recipients of the information<\/b><\/p>\n Processing of compensation claims<\/b><\/p>\n Management of compensation claims.<\/p>\n Legal foundations<\/b><\/p>\n For the processing of particular categories of Personal Data (e.g. health data) and criminal record data:<\/b><\/p>\n Recipients of the information<\/b><\/p>\n Action or defense in legal proceedings.<\/p>\n For the processing of particular categories of Personal Data (e.g. health data) and criminal record data:<\/b><\/p>\n Recipients of the information<\/b><\/p>\n Purpose of the treatment<\/b><\/p>\n Fraud investigation and prosecution.<\/p>\n Legal foundations<\/b><\/p>\n For the processing of particular categories of Personal Data (e.g. health data) and criminal record data:<\/b><\/p>\n Recipients of the information<\/b><\/p>\n\n
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