For what purposes do we use your data?

Les données à caractère personnel que Assurlink collecte vous concernant, sont uniquement utilisées pour des finalités explicites, légitimes et déterminées en relation avec les différents services ou produits que nous vous proposons. Seules les données qui nous sont utiles sont collectées.
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Ainsi, nous utilisons les données à caractère personnel vous concernant dans le cadre des finalités suivantes :
La passation, la gestion et l’exécution des contrats d’assurance, à savoir :
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- La souscription et la gestion de contrats de partenariats entre Assurlink / Owen et les distributeurs souhaitant commercialiser son offre d’assurance et de services ;
- Le suivi et la facturation des prestations Owen auprès des distributeurs partenaires ;
- La passation de contrats d’assurance : il s’agit de l’étude des besoins spécifiques de chaque souscripteur potentiel afin de lui proposer un contrat adapté, qui comprend également l’analyse du risque à assurer afin d’établir une tarification adaptée et à en vérifier l’assurabilité ;
- La gestion des contrats d’assurance : cela comprend la phase pré contractuelle jusqu’à la résiliation du contrat (exemple : tarification, émission des documents pré contractuels, contractuels, comptables, encaissement des primes et cotisations). Cela concerne aussi la surveillance du risque (exemple : nous pouvons avoir connaissance de données relatives à vos infractions ou à des condamnations au titre de l’assurance automobile.) et les autres opérations techniques nécessaires ;
- L’exécution des contrats d’assurance : il s’agit des opérations nécessaires à la mise en oeuvre des garanties et des prestations. Dans ce cadre, les données collectées sont relatives à la gestion des sinistres et des prestations objets du contrat d’assurance ;
- L’élaboration des statistiques et études actuarielles ;
- L’exercice des recours et la gestion des réclamations et des contentieux liés à nos activités et nous permettant d’assurer la contestation, l’exercice ou la défense de vos droits en application des garanties souscrites ou l’exercice de nos droits en justice ;
- L’exécution des dispositions légales, réglementaires et administratives en vigueur à l’exception de celles qui relèvent d’une formalité particulière prévue par les dispositions applicables en matière de protection des données à caractère personnel. Il peut s’agir de traitements relatifs à l’exécution des règles fiscales, ou encore de la collecte de contributions pour différents fonds (exemples : fonds de garantie des assurances obligatoires, fonds de prévention des risques naturels majeurs) ;
- Ainsi qu'à la gestion d'opérations de contrôle anti-fraude ou de lutte contre le blanchiment de capitaux et du financement du terrorisme. La gestion de vos demandes de droits, notamment de droit d’accès, de rectification, opposition, en application de la réglementation applicable.

Vos données sont également susceptibles d’être utilisées pour la réalisation d’opérations techniques pour les besoins des finalités énoncées aux présentes. Cela inclut notamment les opérations techniques ou de cybersécurité liées à la détection d’anomalies et à la sécurisation de vos données ainsi que de nos systèmes d’informations à partir desquels vos données sont traitées.

Les données collectées sont indispensables à ces traitements et sont destinées aux services Owen concernés, ainsi que le cas échéant, à ses partenaires de distribution, de gestion ou assureurs qui interviennent au titre des services commercialisés. Nous ne pourrons pas étudier votre devis d’assurance ou votre demande de souscription ou exécuter votre contrat, si vous ne nous communiquez pas les données nécessaires.

Enfin vos données peuvent être utilisées pour les besoins de la gestion de notre relation commerciale ou de nos prospects et d’amélioration de notre connaissance client, à savoir notamment :
- La réalisation d’enquêtes de satisfaction, recueil d’avis sur nos produits et services ;
- La réalisation d’opérations de fidélisation, de sondage ;
- Vous demander de tester des produits ou services, ou des actions de promotion telles que l’organisation de jeux concours à l’exclusion de jeux d’argent et de hasard en ligne soumis à l’agrément de l’Autorité de régulation des jeux en ligne (ARJEL) ;
- L’élaboration de statistiques commerciales pour analyser l’adéquation de nos produits et services aux besoins de nos clients et prospects ( mesure d’audience de nos sites internet, y compris par l’analyse de votre navigation en ligne et vos réactions aux emails), afin que nous puissions mieux vous connaître, apprécier si les messages que nous vous adressons présentent un intérêt pour vous et vous proposer des offres, contenus et des services adaptés à votre profil. Ces analyses seront effectuées dans le respect des autorisations que vous nous aurez éventuellement consenties, notamment en cas d’utilisation de cookies ou autres traceurs ;
- Les opérations techniques de prospection, (ce qui inclut notamment les opérations techniques comme la normalisation d’adresse, la déduplication et l’enrichissement de données vous concernant) ;
- La cession, la location ou l’échange de données relatives à l’identification des clients ou prospects pour améliorer les services proposés ou fournis aux clients ou prospects, notamment pour des produits ou services permettant de réduire la sinistralité ou d’offrir un contrat ou une prestation complémentaire.

Pour les opérations de prospection commerciale liées au profilage et qui reposeraient sur le
consentement de la personne concernée par le traitement, celle-ci peut retirer à tout moment son
consentement, étant entendu que cela ne remettra pas en cause la licéité du traitement mis en
oeuvre avant cette révocation.
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- Afin de vous envoyer des messages de promotion ou des publicités personnalisés ou non, par voie postale ou électronique y compris par notifications mobiles, ou via tout autre support selon votre profil, dans le respect des autorisations que vous nous aurez consenties ou à des fins d’études statistiques. Le refus ou l’opposition de votre part à la réception de communications commerciales n’empêchera pas l’étude de votre devis ou l’exécution de votre contrat d’assurance conformément aux dispositions de ce contrat.

What data do we collect?

The categories of personal data that we process are derived, on the one hand, from exchanges taking place between you and our distributor partner of whom you are a client and for whom you have accepted the transfer to Assurlink in order to take out an insurance policy, and on the other hand from information collection forms taking place between you and the Assurlink broker, via this website or via an exchange with one of our insurance advisors, and this regardless of the medium of these exchanges; in particular may be processed depending on the purposes:
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- Data required to identify you as a policyholder, i.e. civil status data (surname, forenames, gender, title, data relating to identity documents, e.g. driving license, proof of residence, etc.): driver's license, proof of identity, date and place of birth, maiden name, nationality) when you request a quote or take out a policy;
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- The persons who are affected by the policy, for example the persons to be insured, policy beneficiaries, beneficiaries' rights, witnesses (in the event of an automobile accident, for example), guardians, curators, drivers, etc. as well as persons involved in the performance of the contract (e.g. vehicle repairers, experts, lawyers ...);
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- Contact data, i.e. your telephone numbers, e-mail address, postal address ;Necessary data, relating to your family, economic or financial situation (e.g. : the amount of your insurance premium) concerning you or persons interested in the contract;
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- Data relating to risk assessment and the fight against fraud, in accordance with the texts applicable to this type of processing;
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- Data necessary for the application of the contract and the management of claims and benefits. This includes contract-related data (customer identification number, policyholder identification number, claims file number, etc.);
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- Data relating to the location of people and property. This data is essential for assistance and insurance coverage (search for lost or stolen vehicles, eco-driving, assistance for people in difficulty);
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- Data relating to your personal situation (e.g. family situation, number of children, dependents, etc.); ‍ - Data relating to your personal situation (e.g. family situation, number of children, dependents, etc.); ‍ - Data relating to your personal situation (e.g. family situation, number of children, dependents, etc.).);
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- We may also, within the strict framework of what the texts authorize us to do, collect and process your registration number (NIR) for the sole purpose of managing health insurance activities or in the event of bodily injury or when concluding a supplementary health or provident insurance or loan insurance contract, for the purposes of implementing these guarantees and relations with professionals, or any organization that has to intervene in this respect ;
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- The data required to assess damages and determine compensation, including medical data, which is subject to specific processing in order to respect medical confidentiality. We may need to collect health data about you when you sign an insurance contract, or when managing claims;
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- Data relating to the management and monitoring of the commercial relationship, identification data, family situation, financial and lifestyle habits in connection with the commercial relationship, your professional and non-professional activities, data linked to the monitoring of the commercial relationship, location and connection data (date, time, internet address, visitor protocol, pages consulted);
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- Data supplied by third-party organizations authorized to provide us with information about you.

We may also collect certain information from you in the course of satisfaction surveys, although responses to this type of questionnaire are non-binding.

Why is your personal data processed?

Your data may be processed for one or more of the following reasons:
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- The legal basis for processing your personal data is the study carried out to respond to your search for an insurance solution (via, for example, the drawing up of quotes) or the performance of your insurance contract, or your explicit consent collected where applicable when your data is collected.
We may also use your data to comply with legal or regulatory obligations.
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- We may also use your data, with due respect for your interests, freedoms and fundamental rights, because this is necessary to enable us or our partners to pursue legitimate interests such as building customer loyalty, managing our customer relationship in the best possible way, getting to know our customers better and promoting our products and services to them, or fighting fraud and ensuring our defense in the event of litigation.

Limiting the length of time your data is kept

The data collected concerning you will be kept for the time necessary to fulfill the above-mentioned purposes.
In particular, we would like to point out that:

- Data collected and processed in connection with the conclusion of a contract is kept for the period required to manage the contract, plus the periods of limitation applicable in particular in civil, commercial and tax matters, and those resulting from the Insurance Code. In particular: 6 years for tax documents; 10 years for accounting documents and for the entire duration of any legal proceedings, until all avenues of appeal have been exhausted.
- Customer data used for commercial prospecting purposes may be kept for a period of three years from the end of the commercial relationship.
- Data relating to non-customer prospects may be kept for 3 years from the date of collection of the data or the last contact from the prospect.
- In the event of exercise of their rights by the persons concerned, data relating to identity documents may be kept for the applicable legal limitation periods, i.e. for a maximum period of 3 years.

Who can access your data?

For the purposes described above, and within the limits necessary for the pursuit of these purposes, your data may be transmitted to some or all of the following recipients:
- Assurlink's internal departments in charge of managing our commercial relationship (all persons in charge of concluding, managing and executing contracts),
- Persons in charge of the marketing department, sales department, departments in charge of handling customer relations, complaints, canvassing;
- administrative departments, IT departments and their line managers;
- management delegates, insurance intermediaries, our insurance partners;
- reinsurers, if any, as well as our professional bodies and guarantee funds, and the insurance organizations of persons involved or offering complementary services;
- Persons involved in the contract, such as lawyers, experts, court and ministerial officers, guardians, curators, investigators and health professionals;
- Social security bodies when social security schemes are involved in the settlement of claims, or when insurance bodies offer complementary cover to that provided by social security schemes;
- Where applicable, persons with an interest in the contract (policyholders, insured persons, members and beneficiaries of contracts; where applicable, the person responsible, victims and their representatives, witnesses and third parties with an interest in the performance of the contract);
- Where applicable, victims of fraud or their representatives;
- Organizations directly involved in a case of fraud; Assurlink's service providers and subcontractors (e.g. IT service providers, service providers involved in the insurance industry): Assurlink's service providers and subcontractors (e.g. IT service providers, advertising service providers);
- Administrative or judicial authorities involved in a dispute;
- Courts, arbitrators, mediators, supervisory and control authorities authorized to receive such data;
- Control services such as statutory auditors and internal control departments.

Security

We take the necessary technical, physical and organizational measures to protect the security and confidentiality of your personal data and prevent it from being distorted, damaged or accessed by unauthorized third parties, taking into account the nature of the personal data and the risks presented by the processing.

We choose subcontractors or service providers who offer guarantees in terms of quality, security, reliability and resources to ensure the implementation of technical and organizational measures, including those relating to the security of processing. Subcontractors and service providers undertake to respect levels of confidentiality at least equal to our own.

In the event of the transfer of your personal data outside the European Union: If the personal data collected and processed is transferred outside the European Union, guarantees will be taken to provide a legal framework for this transfer and to ensure a good level of protection for your data.

Reference of the Data Protection Officer

To contact the Data Protection Officer:
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- By e-mail: contact@getowen.eu, specifying in the subject line: "DPO Owen"
- By post: Owen AssurLink - Service délégué à la Protection des Données (DPO), 38 rue François Villon, 91450 Soisy Sur Seine.

What are your data rights?

In accordance with the regulations governing the protection of personal data, you have the right to information on the data we collect concerning you, as well as the right to access, rectify and delete data concerning you, and the right to define directives concerning the fate of your data after your death. It is hereby specified that under the right of access, Assurlink may request payment of a reasonable fee based on administrative costs for any additional copies of the data to that provided to you.

You also have a right to obtain the limitation of processing and a right to the portability of any data you may have provided, which will apply in certain cases.

In addition, you may ask to exercise your right to object, on grounds relating to your particular situation, to the processing of personal data concerning you where the processing is based on the legitimate interests of the data controller, including profiling. If you exercise your right to object, Assurlink will cease processing the data, unless there are compelling legitimate grounds for the processing which override the interests, rights and freedoms of the data subject, or for the establishment, exercise or defence of legal claims.

You may also object to any processing linked to canvassing (including profiling linked to such canvassing), or withdraw your consent at any time, in cases where you have been asked for it (the withdrawal of your consent will not affect the lawfulness of the processing carried out prior to the withdrawal of consent). We reserve the right not to comply with your request if the processing of your data is necessary for the performance of the contract, for compliance with a legal obligation or for the establishment, exercise or defense of legal claims.

Owen informs you that failure to provide or modify your data may have consequences for the processing of certain requests in connection with the performance of your contract, and that your requests to exercise your rights will be kept for evidentiary and follow-up purposes.To exercise your rights, simply send your request by post to Owen - Assurlink, Service Consommateurs, 38 rue François VILLON, 91450 Soisy sur Seine, France, stating your surname, first name, e-mail address and, if possible, your customer reference number.

In accordance with current regulations, your request must be signed and accompanied by a photocopy of an identity document bearing your signature, and must specify the address to which you would like a reply. A reply will be sent to you as soon as possible.

We would also like to inform you that you can refuse to receive commercial canvassing by telephone by registering free of charge on the telephone canvassing opposition list on the website http://bloctel.gouv.fr/ or by post to - Société OPPOSETEL, Service Bloctel, 6 rue Nicolas Siret 10000 Troyes.

This registration prohibits a professional from canvassing you by telephone, except in the case of a pre-existing contractual relationship.

Should we fail to respond to your requests in a manner that satisfies you, you may also lodge a complaint with a supervisory authority (in France, the CNIL, 3 Place de Fontenoy - TSA 80715 - 75334 PARIS CEDEX 07. Tel: 01 53 73 22 22).