General Privacy Information
At Assurino, safeguarding your personal data is a priority. We adhere to Swiss and European data protection regulations to ensure your data is handled responsibly and securely when you use our senior insurance selection services.
Definitions
This section delineates the key terms used within this privacy policy to ensure clarity about our data handling practices.
- Personal data refers to any information relating to an identified or identifiable individual, such as name, contact information, or health details relevant to insurance.
- Processing encompasses any operation performed on personal data, including collection, storage, use, and deletion.
- User means any individual accessing or utilizing Assurino's services for senior insurance selection.
- The service refers to Assurino's platform and consulting offerings designed to assist seniors in choosing appropriate insurance solutions.
- Cookies are small text files stored on a user's device to enhance website functionality and user experience.
Data Collection
We collect data required to provide tailored insurance options and improve our services while maintaining strict confidentiality and compliance.
Data Provided Directly by Users
When users engage with Assurino, they may provide the following data voluntarily:
- Identification details such as full name and date of birth
- Contact information including email address and physical address
- Health status and medical history relevant to insurance assessment
- Insurance preferences and coverage requirements
- Payment details for transactions related to insurance premiums
- Feedback and communication requests to improve service delivery
Automatically Collected Data
Certain data is collected automatically to optimize the service and analyze usage patterns:
- Device information including browser type and operating system
- IP address and geolocation data within Switzerland
- Browsing behavior on assurino.pro to enhance user experience
- Cookies and similar tracking technologies
- Time stamps of user interactions and session durations
- Error reports related to website functions
Third-Party Data Sources
Assurino may receive data from authorized third parties strictly for enhancing insurance recommendation accuracy:
- Insurance providers supplying updated policy details
- Trusted data verification services confirming identity and health information accuracy
- Legal entities specializing in compliance and regulatory adherence
Purposes of Data Processing
The processing of personal data at Assurino occurs for clearly defined purposes to serve users with transparency and responsibility.
- Facilitate tailored insurance plan recommendations for seniors
- Manage user accounts and provide customer support
- Evaluate and improve our services and website functionality
- Ensure compliance with applicable legal and regulatory obligations
- Conduct user communication including updates and survey invitations
- Process payments securely related to insurance selections
- Protect against fraudulent activities and misuse of services
- Document and handle user consent and preferences regarding data use
Legal Basis for Data Processing
Assurino processes personal data under legal grounds specified by data protection laws:
- Performance of contract with the user regarding insurance service provision
- Compliance with legal obligations relevant to insurance and data protection
- User consent for specific processing activities where required
- Legitimate interests pursued by Assurino, balanced against user rights and freedoms
Cookies Policy
Assurino uses cookies to enhance navigation, store user preferences, and analyze site performance responsibly.
We implement session cookies, persistent cookies, and third-party cookies for essential and analytical functions.
Cookies are categorized as necessary, preference, analytics, and marketing to align with user expectations and regulatory standards.
Users can manage cookie preferences via their browser settings or through the cookie management options provided on assurino.pro.
Read our detailed Cookie Policy for comprehensive information.
Personal Data Sharing
Assurino shares personal data only when essential to fulfill service obligations and under strict confidentiality agreements.
- Partner insurance companies involved in fulfilling user-selected coverage
- Service providers assisting in data processing and security maintenance
- Regulatory authorities when required by law or regulation
- Legal advisors and auditors under confidentiality commitments
- Third parties consented to by the user for specific data processing
- No unauthorized or marketing-oriented sharing without explicit user permission
International Data Transfers
User data is primarily processed within Switzerland. Transfers outside the European Economic Area occur only when necessary with appropriate safeguards.
Assurino implements EU Standard Contractual Clauses, binding agreements, and compliance assessments to ensure protection of personal data during international transfers.
Data Retention Policy
We retain personal data only as long as necessary to provide services or to satisfy legal and regulatory requirements.
User account information is maintained for the duration of the service relationship plus applicable statutory periods.
Communications and correspondence are stored securely for reference and compliance for up to five years.
System logs and technical data are retained as needed for security and operational purposes, typically for three years.
Upon account closure or when data is no longer required, Assurino takes steps to securely delete or anonymize personal information.
Data Security Measures
To protect personal data, Assurino employs multiple layers of security measures ensuring confidentiality, integrity, and availability.
- Encrypted data transmission and storage using industry-standard technologies
- Strict access controls and authentication mechanisms restricting data access
- Regular security audits, monitoring, and staff training to prevent vulnerabilities
User Rights Regarding Personal Data
Users hold rights regarding their personal data under applicable data protection laws, which Assurino respects and facilitates.
- Right to access and obtain a copy of personal data processed
- Right to rectification of inaccurate or incomplete data
- Right to erasure or restriction of processing under certain conditions
- Right to object to processing based on legitimate interests
- Right to data portability for provided data in a structured format
- Right to withdraw consent at any time without affecting previous processing
- Right to lodge a complaint with supervisory authorities if dissatisfied
- Right to be informed about automated decision making and profiling where applicable
Exercising Your Data Protection Rights
Users can submit requests related to their personal data by contacting Assurino via the details provided in this policy.
Assurino aims to respond to data subject requests within one month, providing comprehensive assistance in compliance with legal timelines.
General Data Protection Regulation (GDPR)
Assurino complies with the General Data Protection Regulation (GDPR) principles where applicable, ensuring transparent and fair data processing practices.
- Data processing is lawful, fair, and transparent to the users of assurino.pro
- We collect only data necessary for providing personalized insurance selection services.
- All personal information is stored securely and processed in compliance with Swiss data protection laws.
- Users have the right to access, correct, and delete their personal data upon request.
- Data is not shared with third-party marketers without explicit user consent.
- Cookies are used solely to improve user experience and analyzed anonymously.
Supervisory authority: Swiss Federal Data Protection and Information Commissioner (FDPIC).
Marketing Communications Preferences
assurino may send occasional updates about service improvements or relevant insurance news. You can opt out at any time.
Click the unsubscribe link at the bottom of any marketing email to stop receiving communications.
Children's Privacy
Our services are intended for adults; assurino does not knowingly collect personal data from minors.
Third-Party Links
Our website may contain links to external sites. assurino is not responsible for their privacy practices.
Changes to this Privacy Policy
We may update our privacy policy to reflect changes in legislation or service practices. Updates will be posted here.