Phone: +372 53835142
privacy policy
1.General Provisions
1.1 Personal Data is any information about an identified or identifiable natural person (hereinafter referred to as Personal Data).
1.2 ZRV Solutions OÜ, reg. no. 16991429 (hereinafter referred to as “ZRV Solutions” and/or “We”) as an insurance brokerage company processes Personal Data on a daily basis. Realizing that personal data is Your value, We take appropriate measures to ensure the security of Your personal data.
1.3 This Privacy Policy applies to any data subject whose personal data is processed by ZRV Solutions. Further information is provided in respect of matters relating to the employment relationship.
1.4 The purpose of this policy is to inform you and explain how and for what purposes personal data is processed and to familiarize you with the rights of data subjects. Please note that other documents (e.g. service contracts, cooperation agreements, rules for the use of websites or portals) may contain additional information about the processing of your Personal Data.
2.What Personal Data does ZRV Solutions process?
2.1 The processing of Your Personal Data is related to the provision and use of insurance services by ZRV Solutions. The information We obtain about an individual depends on the particular insurance product. For example:
2.1.1 Identification data (first name, last name, personal identification code and other information);
2.1.2 Contact information (residential address, e-mail, telephone number and other information);
2.1.3 Information about the vehicle (registration number, make and model of the vehicle, information about the equipment, photos of the vehicle and other information);
2.1.4. Property information (location, property characteristics, household and equipment information, safety information and other information); 2.1.4;
2.1.5 Travel information (destination and traveler information, planned travel activities, and other information).
3.How does ZRV Solutions receive Personal Information?
3.1 We may receive Personal Data in a number of ways, including:
3.1.1. the Data Subject has provided their own Personal Data, such as when preparing an insurance quote for the Data Subject, subscribing to newsletters, applying for a position with ZRV Solutions, requesting information, communicating with us, and otherwise;
3.1.2 ZRV Solutions may receive your personal data from a person who intends to enter into an insurance contract in your favor. For example, if you are named as a beneficiary in an accident insurance policy or if you are named as an insured person in a travel insurance policy.
3.1.3 ZRV Solutions receives personal data from insurance companies if you have used our insurance intermediary services.
3.2 Cookies may be used when visiting the ZRV Solutions website. You can set cookies in the pop-up window when you log in to the site.
4.How does ZRV Solutions use Personal Data?
4.1 ZRV Solutions processes Personal Data to provide insurance services, to provide efficient service, to ensure cooperation, and to perform business and administrative activities.
4.2 ZRV Solutions processes Personal Data only for specific and necessary purposes, such as:
4.2.1 To provide insurance mediation services;
4.2.2. To advise customers on insurance matters;
4.2.3 To contact customers in order to organize the renewal of an insurance policy;
4.2.4 For personnel management purposes (e.g. recruitment);
4.2.5 To review and process applications;
4.2.6 To ensure cooperation with partners;
4.2.7 To comply with mandatory regulations;
4.2.8 For other specific purposes, of which the data subject is informed at the time the relevant data is provided to ZRV Solutions.
4.3 ZRV Solutions processes Personal Data only on the basis of certain legitimate (legal) grounds, such as:
4.3.1 Data processing is necessary for the performance of a contract to which the data subject is a party, or to take action at the request of the customer prior to the conclusion of the contract;
4.3.2. you, as the data subject, have consented to the processing of your personal data;
4.3.3 The processing of personal data is necessary to protect the vital interests of you or another natural person;
4.3.4 The processing of personal data is necessary for us, as the data controller, to fulfill a legal obligation imposed on us;
4.3.5 The processing of personal data is necessary for the performance of a task carried out in the public interest;
4.3.6 The processing of personal data is necessary for the exercise of our or third parties' legitimate interests. When processing personal data on this basis, we particularly assess proportionality and whether your right to privacy in a particular situation is overridden by our or a third party's corresponding legitimate interest.
4.4 ZRV Solutions' legitimate interests include:
4.4.1 Conducting business activities;
4.4.2 Providing insurance intermediation services;
4.4.3 Verifying the identity of the data subject prior to entering into a contract or in the course of servicing the data subject - by telephone, email, face-to-face contact;
4.4.4 Protecting the interests of the client, reminding about the validity period of the insurance contract;
4.4.5 Advertising its services, sending commercial messages;
4.4.6 Preventing criminal acts such as fraud;
4.4.7 Proving fulfillment of obligations;
4.4.8 Ensuring and improving the quality of services;
4.4.9. Managing payments;
4.4.10. Appealing to governmental and operational authorities and the court to protect one's legitimate interests and others.
5.To whom can ZRV Solutions share Personal Data?
5.1 ZRV Solutions ensures confidentiality and does not disclose to third parties your personal data or information obtained in the course of providing services and validity of the contract, except where the exchange of Personal Data may be necessary in individual cases and for specific purposes, for example:
5.1.1 Insurance companies to whom it is necessary to transfer customer data in order to obtain an insurance quote, conclude and service an insurance contract, representing the interests of the customer. We transfer data to insurance companies on the basis of a cooperation agreement;
5.1.2 We are obliged to provide information to state institutions and other public persons or third parties, if required by regulations;
5.1.3 Institutions/companies involved in debt collection, including debt collection companies, bailiffs, administrators and others in the debt collection process.
5.2 Within ZRV Solutions, only those employees who need to access your personal data in order to perform their job duties are granted access to your personal data.
6.How long does ZRV Solutions keep data for?
6.1 We retain Personal Data only for as long as necessary to fulfill the purposes stated in this Privacy Policy, unless longer retention is required or permitted by applicable regulations.
6.1.1 The law establishes statutes of limitations for certain types of claims;
6.1.2 The law establishes retention periods for various documents, such as the Accounting Act or the Archives Act.
7.How does ZRV Solutions process Personal Data?
7.1 When processing Personal Data, ZRV Solutions complies with the Regulation of the European Parliament and of the Council of April 27, 2016 No. 2016/679 of the European Parliament and of the Council on the protection of natural persons with regard to the processing of personal data and on the free circulation of such data (the Regulation) and other applicable data processing acts.
7.2 ZRV Solutions organizes data processing using appropriate technical and organizational measures required by the laws of the Republic of Estonia and applicable acts of the European Union.
8.What are the rights of the data subject?
8.1 Data protection legislation provides the data subject with rights in relation to their personal data, which include the right to access their data and the right to have it corrected or deleted.
8.2 You may request access to your Personal Data and have the right to request its rectification or erasure in accordance with the applicable rights relating to data processing.
8.3 If We refuse access to the data, We will provide You with a written justification for such refusal.
Contact Us
If you have any questions or comments about this Privacy Policy, please contact us:
Address: Harju maakond, Tallinn, Kesklinna linnaosa, Laeva tn 7, 10151
Phone: +372 53835142
Last Updated Date: 05.08.2024.
1.1 Personal Data is any information about an identified or identifiable natural person (hereinafter referred to as Personal Data).
1.2 ZRV Solutions OÜ, reg. no. 16991429 (hereinafter referred to as “ZRV Solutions” and/or “We”) as an insurance brokerage company processes Personal Data on a daily basis. Realizing that personal data is Your value, We take appropriate measures to ensure the security of Your personal data.
1.3 This Privacy Policy applies to any data subject whose personal data is processed by ZRV Solutions. Further information is provided in respect of matters relating to the employment relationship.
1.4 The purpose of this policy is to inform you and explain how and for what purposes personal data is processed and to familiarize you with the rights of data subjects. Please note that other documents (e.g. service contracts, cooperation agreements, rules for the use of websites or portals) may contain additional information about the processing of your Personal Data.
2.What Personal Data does ZRV Solutions process?
2.1 The processing of Your Personal Data is related to the provision and use of insurance services by ZRV Solutions. The information We obtain about an individual depends on the particular insurance product. For example:
2.1.1 Identification data (first name, last name, personal identification code and other information);
2.1.2 Contact information (residential address, e-mail, telephone number and other information);
2.1.3 Information about the vehicle (registration number, make and model of the vehicle, information about the equipment, photos of the vehicle and other information);
2.1.4. Property information (location, property characteristics, household and equipment information, safety information and other information); 2.1.4;
2.1.5 Travel information (destination and traveler information, planned travel activities, and other information).
3.How does ZRV Solutions receive Personal Information?
3.1 We may receive Personal Data in a number of ways, including:
3.1.1. the Data Subject has provided their own Personal Data, such as when preparing an insurance quote for the Data Subject, subscribing to newsletters, applying for a position with ZRV Solutions, requesting information, communicating with us, and otherwise;
3.1.2 ZRV Solutions may receive your personal data from a person who intends to enter into an insurance contract in your favor. For example, if you are named as a beneficiary in an accident insurance policy or if you are named as an insured person in a travel insurance policy.
3.1.3 ZRV Solutions receives personal data from insurance companies if you have used our insurance intermediary services.
3.2 Cookies may be used when visiting the ZRV Solutions website. You can set cookies in the pop-up window when you log in to the site.
4.How does ZRV Solutions use Personal Data?
4.1 ZRV Solutions processes Personal Data to provide insurance services, to provide efficient service, to ensure cooperation, and to perform business and administrative activities.
4.2 ZRV Solutions processes Personal Data only for specific and necessary purposes, such as:
4.2.1 To provide insurance mediation services;
4.2.2. To advise customers on insurance matters;
4.2.3 To contact customers in order to organize the renewal of an insurance policy;
4.2.4 For personnel management purposes (e.g. recruitment);
4.2.5 To review and process applications;
4.2.6 To ensure cooperation with partners;
4.2.7 To comply with mandatory regulations;
4.2.8 For other specific purposes, of which the data subject is informed at the time the relevant data is provided to ZRV Solutions.
4.3 ZRV Solutions processes Personal Data only on the basis of certain legitimate (legal) grounds, such as:
4.3.1 Data processing is necessary for the performance of a contract to which the data subject is a party, or to take action at the request of the customer prior to the conclusion of the contract;
4.3.2. you, as the data subject, have consented to the processing of your personal data;
4.3.3 The processing of personal data is necessary to protect the vital interests of you or another natural person;
4.3.4 The processing of personal data is necessary for us, as the data controller, to fulfill a legal obligation imposed on us;
4.3.5 The processing of personal data is necessary for the performance of a task carried out in the public interest;
4.3.6 The processing of personal data is necessary for the exercise of our or third parties' legitimate interests. When processing personal data on this basis, we particularly assess proportionality and whether your right to privacy in a particular situation is overridden by our or a third party's corresponding legitimate interest.
4.4 ZRV Solutions' legitimate interests include:
4.4.1 Conducting business activities;
4.4.2 Providing insurance intermediation services;
4.4.3 Verifying the identity of the data subject prior to entering into a contract or in the course of servicing the data subject - by telephone, email, face-to-face contact;
4.4.4 Protecting the interests of the client, reminding about the validity period of the insurance contract;
4.4.5 Advertising its services, sending commercial messages;
4.4.6 Preventing criminal acts such as fraud;
4.4.7 Proving fulfillment of obligations;
4.4.8 Ensuring and improving the quality of services;
4.4.9. Managing payments;
4.4.10. Appealing to governmental and operational authorities and the court to protect one's legitimate interests and others.
5.To whom can ZRV Solutions share Personal Data?
5.1 ZRV Solutions ensures confidentiality and does not disclose to third parties your personal data or information obtained in the course of providing services and validity of the contract, except where the exchange of Personal Data may be necessary in individual cases and for specific purposes, for example:
5.1.1 Insurance companies to whom it is necessary to transfer customer data in order to obtain an insurance quote, conclude and service an insurance contract, representing the interests of the customer. We transfer data to insurance companies on the basis of a cooperation agreement;
5.1.2 We are obliged to provide information to state institutions and other public persons or third parties, if required by regulations;
5.1.3 Institutions/companies involved in debt collection, including debt collection companies, bailiffs, administrators and others in the debt collection process.
5.2 Within ZRV Solutions, only those employees who need to access your personal data in order to perform their job duties are granted access to your personal data.
6.How long does ZRV Solutions keep data for?
6.1 We retain Personal Data only for as long as necessary to fulfill the purposes stated in this Privacy Policy, unless longer retention is required or permitted by applicable regulations.
6.1.1 The law establishes statutes of limitations for certain types of claims;
6.1.2 The law establishes retention periods for various documents, such as the Accounting Act or the Archives Act.
7.How does ZRV Solutions process Personal Data?
7.1 When processing Personal Data, ZRV Solutions complies with the Regulation of the European Parliament and of the Council of April 27, 2016 No. 2016/679 of the European Parliament and of the Council on the protection of natural persons with regard to the processing of personal data and on the free circulation of such data (the Regulation) and other applicable data processing acts.
7.2 ZRV Solutions organizes data processing using appropriate technical and organizational measures required by the laws of the Republic of Estonia and applicable acts of the European Union.
8.What are the rights of the data subject?
8.1 Data protection legislation provides the data subject with rights in relation to their personal data, which include the right to access their data and the right to have it corrected or deleted.
8.2 You may request access to your Personal Data and have the right to request its rectification or erasure in accordance with the applicable rights relating to data processing.
8.3 If We refuse access to the data, We will provide You with a written justification for such refusal.
Contact Us
If you have any questions or comments about this Privacy Policy, please contact us:
Address: Harju maakond, Tallinn, Kesklinna linnaosa, Laeva tn 7, 10151
Phone: +372 53835142
Last Updated Date: 05.08.2024.