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”Compensa Vienna Insurance Group” ADB Privacy policy

ABOUT US

“Compensa Vienna Insurance Group” ADB is the largest insurance company registered in the Republic of Lithuania with branch offices in Latvia and Estonia. You can find our business details on this website. We also use the services of affiliated companies (partners): UAB “Compensa Services”, registration number: 302701871, registered address: 280 Ukmergės gatvė, Vilnius, Republic of Lithuania, and Limited liability company “Compensa Services”, registration number: 40103534334, registered address: 87H Vienības gatve, Riga, Republic of Latvia.

In order to accurately perform our obligations under the insurance contracts and our legal obligations, we must process personal data. Compensa is officially registered as a data controller and complies with the legal requirements applicable to data controllers.

We have appointed a data protection officer and you may contact them regarding data protection issues by e-mailing to:

HOW DO WE PROCESS PERSONAL DATA?

Regardless of the type of relationship with individuals, Compensa strives to respect their personalities, including their personal data. Therefore we are committed to ensure data protection, security and confidentiality and these topics are a key element of our Code of Business Ethics. To ensure privacy in all our relations with people, we have developed standards and procedures, and we regularly review and improve these aspects.

We do our best to ensure that your personal data is:

  • processed in a lawful, fair and transparent manner;
  • collected for explicit and legitimate purposes and are not further processed in a way that is incompatible with those purposes;
  • adequate, appropriate and restricted to the required purpose of processing;
  • accurate and, where necessary, updated;
  • stored in a form that allows us to identify you for not longer than necessary for the purposes for which the personal data are processed;
  • processed to ensure adequate security of the personal data.

WHAT PERSONAL DATA WE PROCESS?

“Personal data” is any information that relates to an identified or identifiable natural person (data subject); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.


To collect and execute insurance contacts we generally collect and process personal data (for example, name, surname, personal identification number, contact information) and personal data related to the insurance object (for example, information about the property, the vehicle etc.). Depending on the situation we may process other personal data required to conclude and (or) perform insurance contracts (for example, personal characteristics - driving experience, travel destinations and periods etc.; financial data - bank account number, debt amount etc.). This is not a complete list of personal data processed by Compensa; the amount of information about a specific physical entity depends on their individual relationship with us. However, we do not collect excessive personal data that is incompatible with the data minimization principle. You may receive information about your personal data processed by Compensa at any time; please find more information in the section “What are your rights?”

WHAT IS THE PURPOSE AND LEGAL GROUNDS OF PROCESSING?

In most cases, we process personal data to conclude and perform insurance contracts (including insurance risk assessment, identification and assessment of the insurance object, calculation of the insurance indemnity etc.). For the assessment of the insurance risk and the conclusion of the potential insurance contracts, we may also use a limited content of your personal data (for example, insurance history).
We may also have the obligation to process personal data to comply with a legal obligation (for example, the administration of the list of insurance intermediaries etc.).

Tāpat mums var būt pienākums apstrādāt personas datus, lai izpildītu juridisku pienākumu (piemēram, apdrošināšanas starpnieku saraksta administrēšana utt.).

In some cases (e.g. for direct marketing purposes), your personal data may be processed based on your voluntary and explicit consent. You can easily withdraw your consent at any time, free of charge.
Sometimes personal data may be processed if required by our legitimate interests (for example, video surveillance at the entrance to our premises to ensure the security of property and employees). In such cases, we disclose to the person our legitimate interests. However, we do not process personal data on this legal basis if the interests of the persons or their fundamental rights and freedoms conflict with such legitimate interests.

In all cases, when processing personal data, we ensure strict compliance with the Regulation of the European Parliament and of the Council No. 2016/679 (27 April 2016) on the protection of natural persons with regard to the processing of personal data and on the free movement of such data and repealing Directive 95/46/EC (General Data Protection Regulation), as well as the requirements of the national laws governing data protection.

HOW DO WE STORE AND TRANSMIT PERSONAL DATA?

Usually we collect personal data from the data subject. However, sometimes we also need to collect personal data from other persons, such as a public register, police or other public authorities, or others. In all cases, we will not knowingly collect excessive personal data that are not necessary for the legitimate purposes of processing such data. In addition, we inform data subjects of the collection of their personal data from other persons, unless they already have such information, or there are other legal grounds for not providing such information.

We store your personal data securely and do not pass it on to other unauthorized persons. However, some of the personal data processed by Compensa may be transferred to other persons or public authorities in accordance with legal obligations under European Union or national law, or for the proper performance of contractual obligations. Your personal data may also be transferred to third parties at your request or in accordance with the terms of the contract (e.g. banks, leasing companies, etc.).

We provide a typical (unlimited) list of entities to whom personal data may be transferred:

  • Claims adjustment partners, loss assessors;
  • Insurance brokers;
  • Reinsurance companies;
  • IT system maintenance services;
  • Debt collection companies;
  • State institutions etc.

In all cases, we transfer to third parties as little personal data as is necessary to achieve the legitimate purpose of such transfer. In addition, we only work with outsourced partners who guarantee that appropriate technical and organizational measures are taken to ensure that the processing of your personal data complies with legal requirements and ensures that your rights are protected. We also continuously monitor our outsourcing partners for compliance with data protection requirements.

HOW LONG WE STORE AND TRANSMIT PERSONAL DATA?

Your personal data may be kept in various documents and files both in paper and electronic form. The law may provide different provisions for data storage. Compensa does not store any personal information for longer than required by law or for data processing purposes. Usually, information containing your personal data is deleted after the deadline for receiving complaints and claims has expired.


Even if you decide to stop working with us, we may still retain your personal data due to potential complaints and claims. In addition, we need to store your personal data in order to answer your questions or provide you with the necessary information about our cooperation. However, we do not use your personal data for purposes other than those we have informed you about.

WHAT ARE YOUR RIGHTS?

You have the rights set out in the General Data Protection Regulation and set out below. Please note that some of these rights are not absolute and Compensa does not always and unconditionally satisfy your request for exercising these rights.

Your rights Description of rights

Right of access to your data

You can request confirmation that your personal data is being processed and, if so, have access to your personal data and information about their processing.

Right of rectification

You may request the correction of inaccurate personal data to ensure the accuracy of the data.

Right to erasure ('the right to be forgotten')

You can request the deletion of your personal data without undue delay.

Right to restrict data processing

You may request to restrict the processing of your personal data if one of the following circumstances occurs:

  • You object to the accuracy of personal data - for a period of time that allows us to verify the accuracy of personal data;
  • Data processing is unlawful and you object to the deletion of personal data and instead request a restriction on the use of the data;
  • Compensa no longer needs your personal data, but you request it to defend your legal interest or file a complaint;
  • You have opposed the processing of your personal data until it is verified that our legitimate grounds for processing the data are in your best interest.

Right to data portability

You may request to receive your personal data in a structured, generally accepted and machine-readable format and may transfer (or ask us to transfer) it to another data controller.

Right to object

You have the right to object to the processing of your personal data based on the legitimate interests of Compensa; and object to the processing of personal data for direct marketing purposes.

The right to object to data processing based solely on automated decision-making

You may request that you be exempt from decisions based solely on automated processing, including profiling, which produces legal consequences for you or significantly affects you.

You can ask our Data Protection Officer for a detailed explanation of your rights (see contact details in the "About Us" section) or find it in the General Data Protection Regulation. Please contact our Data Protection Officer to assert your rights.
Once a year we provide information on the processing of your personal data free of charge. If you submit your request more than once a year, or if your request is unreasonable, repetitive or disproportionate, we may charge you a reasonable fee based on administrative costs. We may ask you to provide proof of your identity (such as an identity document). We may also ask you to clarify your request in order to expedite our response. We will respond to your request within 30 (thirty) days of receiving your application; this deadline may be extended if your request is complex or if you have made multiple requests (in which case we will inform you of the delay of the response).

We value and welcome your feedback regarding the protection of your personal data to our Data Protection Officer (see contact details in the "About Us" section). You may also send your application to our office (details can be found on this website). Compensa warrants that it will investigate closely all potential instances of non-compliance with this Privacy Policy and the law and will take all necessary risk-mitigation measures to ensure the maximum protection of your personal data. If we are unable to resolve your dispute, you can submit a formal complaint to the supervisory authority:

Lithuania: State Data Protection Inspectorate, 17 L.Sapiegos g., 10312, Vilnius, email: ada@ada.lt;

Latvia: Data State Inspectorate, 11 / 13-15 Blaumaņa iela, Riga, e-mail: info@dvi.gov.lv;

Estonia: Estonian Data Protection Inspectorate, 19 Väike-Ameerika, Tallinn, e-mail: info@aki.ee.

Website terms of use

Compensa Vienna Insurance Group ADB Latvijas filiāle will make very effort to ensure that the information published on our website and its sections (hereinafter - “website”) is accurate and complete.

However, Compensa Vienna Insurance Group ADB Latvijas filiāle may not guarantee absolute accuracy and correctness of the information published on the website and shall not be liable for the potential consequences that may arise from the use of this information.

The website contains links to other website and Compensa Vienna Insurance Group ADB Latvijas filiāle shall not be liability for the accuracy of the information contain therein.

The information published on this website is protected by copyright and the information may be used only with a prior written consent of Compensa Vienna Group ADB Latvijas filiāle.

By using this website, the user acknowledges that he /she has read and understands, and fully agrees to these terms and conditions.

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