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    * Vanbreda Risk & Benefits ramps up DE&I efforts
    * Proper insurance for a port authority in five steps
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   WORKING AT VANBREDA
   
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THEMES

 * Art
 * Credit insurance
 * Crop insurance
 * Cyber & fraude
 * Environmental damage
 * Intellectual Property
 * Liability
 * Marine
 * Personal insurance
 * Professional indemnity
 * Property
 * Vehicle & Fleet


SECTORS

 * Agriculture
 * Construction & Real Estate
 * European officials
 * Food sector
 * Financial Institutions
 * IT
 * Liberal Professions
 * Port
 * Public sector / Government
 * Retail
 * Transport & Logistics
 * Healthcare


RELATED NEWS

 * Vanbreda Risk & Benefits ramps up DE&I efforts
 * Proper insurance for a port authority in five steps
 * Update on branch 21 group insurance: again rise in interest rates
 * Database of Supplementary Pensions (DB2P): calculating the Wijninckx
   contributions

Discover more news


ABOUT US

 * Why Vanbreda
 * Sustainability
 * Our offices


RELATED NEWS

 * Vanbreda Risk & Benefits wins label of ‘Best Managed Company’ for the sixth
   year running
 * Vanbreda recognised as Sustainable Entrepreneur
 * Vanbreda acquires part of the insurance portfolio of Driesassur in Antwerp
 * Vanbreda strengthens its position in West Flanders through Soenen
   Verzekeringskantoor

Discover more news


WORKING AT VANBREDA

 * Our corporate culture
 * What our colleagues have to say




VANBREDA PRIVACY STATEMENT






VANBREDA PRIVACY STATEMENT

For many years, the companies in the Vanbreda Group have assigned privacy a high
priority. We process the personal data of each natural person with care and in a
way that takes full account of the relevant legislation, regardless of whether
this natural person is a (potential) policyholder, an insured person, injured
party, beneficiary, contact person for a company, witness, expert or anything
else.

This statement explains why Vanbreda collects personal data, what we do with it
and what your rights are. This Vanbreda Privacy Statement is subject to change.




1. WHAT IS THE VANBREDA GROUP?

The Vanbreda Group is a network of companies that provide insurance intermediary
services and miscellaneous insurance activities, asset management, risk
management and claims handling and/or other allied activities. Each company of
the group is recognized by the FSMA as an independent broker.

The Vanbreda Group in Belgium consists of:

 * Vanbreda Risk & Benefits – FSMA nr. 13718 A-R (0404.055.676) - contact
   information
 * Vanbreda Ausloos – FSMA nr. 47833 A (0474.182.421) - contact information
 * Vanbreda Calpa – FSMA nr. 103865 (0895.665.732) - contact information
 * Vanbreda Cornelis – FSMA nr. 12565 A (0425.054.196) - contact information
 * Vanbreda Credinco – FSMA nr. 042518 A (0462.175.702) - contact information
 * Vanbreda Geerts – FSMA nr. 044401 A (0466.513.679) - contact information
 * Vanbreda Huysmans – FSMA nr. 067446 A (0478.505.552) - contact information
 * Vanbreda Marine – FSMA nr. 108574 (0835.343.214) - contact information
 * Vanbreda Missinne – FSMA nr. 013584 A (0426.071.906) - contact information
 * Vanbreda Mediùs – FSMA nr. 016788 A (0406.096.042) - contact information
 * Vanbreda Soenen – FSMA nr. 013295 (0405.513.151) - contact information

Within the group, the company Vanbreda Agencies (0772.859.673) has the status of
managing general agent.

In the Netherlands, the Vanbreda Group is represented by Vanbreda Risk &
Benefits Nederland, and in Luxembourg by Vanbreda Risk & Benefits S.A..

The Vanbreda Group has close links to the insurance company Justitia. Justitia
specialises in insuring Employee Benefits plans which are developed by the
Vanbreda Group and tailored for the policyholding business.

Above you will find all contact and identification details of the various
Vanbreda companies.

The data controller for your personal data is the Vanbreda company that
collected the data. We refer in this statement to the data controller as
“Vanbreda”.


2. WHICH PERSONAL DATA DO WE PROCESS?

Depending on the situation, we may process the following personal data: your
identity data, your contact data, health data, financial data, etc. We process
this personal data solely for one of the reasons listed under point 4.


3. YOUR RIGHTS

3.1 You have the right to view your personal data

If you want to know whether Vanbreda processes your personal data, and if so
which data, you can ask to view it. Vanbreda will then provide you with the most
comprehensive list possible of the personal data being processed in its open
files. Given the large volume of personal data processed by Vanbreda, we ask you
to specify which information or which processing activities your request relates
to. Personal data which only exists in back-up or log files, or which cannot be
directly linked to you, will not be included

3.2 You can have your personal data corrected

If it appears that the personal data we are processing about you is incomplete
or not (or no longer) correct, you can correct or complete said data (or have
this done).

3.3 You can sometimes have your personal data deleted

Your personal data is automatically deleted over the course of time. You will
find a more detailed explanation of this in point 6. If you believe that your
personal data should not be processed, you can ask Vanbreda to delete said data
sooner.

3.4 You can object to certain uses of your personal data

Due to a certain situation in which you find yourself, it may that you cannot
agree to any processing on the basis of Vanbreda’s legitimate interests. In this
case you can raise an objection to the processing of your personal data and
Vanbreda will have to consider the merits of your specific interests as well as
its own. Only if there are imperative, legitimate reasons that outweigh your
interest (e.g. combating fraud) or in the context of a (future) legal action,
will Vanbreda continue to process your personal data.

If you object to the processing of your personal data for direct marketing,
Vanbreda will end all processing for this purpose.

3.5 You can oppose certain uses of your personal data

You can ask Vanbreda to restrict the processing of your personal data if, for
example, time is needed to check the accuracy of your personal data, where the
processing is not legal, if Vanbreda no longer requires this personal data (but
you do in the context of a legal action) or if you have raised an objection to a
specific type of processing and the consideration of competing interests still
needs to be carried out.

3.6 You can ask for your personal data to be transferred to another party

For personal data that you have provided to Vanbreda, and data that was obtained
with your consent or on the basis of a contract and which is being processed by
an automated procedure, you can ask that it be transferred to you or someone
else.

3.7 You can sometimes reject decisions being taken on the basis of automated
processing

In some of our processes, decisions are taken without any human intervention. An
example of this is the reimbursement of a claim for which it is clear even to a
computer that for the specific situation a reimbursement is obviously the
outcome. You are informed of the existence of this kind of automated
decision-making, and of the underlying logic used as part of the process itself.
You can always get in touch with your contact person at Vanbreda if you have any
questions about these automated decision-making processes or if you do not agree
with a decision and wish to provide additional information.

3.8 You can withdraw your consent

You can withdraw your consent at any time for the personal data processed by
Vanbreda on the basis of your consent. If you withdraw your consent, Vanbreda
may no longer be able to provide certain services.

3.9 How can you exercise these rights?

If you wish to exercise one of these rights, it is important for you to:

 * formulate your question to Vanbreda clearly (including which information or
   activity your request relates to, which type of insurance, your customer
   number, etc.);
 * identify yourself (e.g. using the secure online platforms or a copy of your
   identity card).

Depending on the scope and impact of your request, Vanbreda may ask for
additional information.

The best idea is to send your request to your contact at Vanbreda.

For questions or complaints about exercising your rights, you can also address
the Vanbreda Data Protection Officer using our form, by e-mail at
dpo@vanbreda.be or by post to Vanbreda Risk & Benefits NV, attn. Data Protection
Officer, Plantin en Moretuslei 297, 2140 Antwerp, Belgium.

You can find more information about the legislation relating to the protection
of personal data at www.dataprotectionauthority.be, the website of the Belgian
Data Protection Authority. You can also submit complaints to them.


4. WHY ARE WE PROCESSING YOUR PERSONAL DATA?

4.1 To meet legal requirements

Vanbreda needs certain personal data in order to meet its legal obligations. If
it does not have this data available, it cannot sign or renew any contracts with
you, or carry out a transaction that was requested by you or by a third party
for your benefit.

Legal provisions that cause Vanbreda to process your personal data include:

 * Insurance legislation, in particular the law dated 4 April 2014 and the law
   dated 2 August 2002 relating to the supervision of the financial sector and
   financial services
 * Anti-money laundering legislation, in particular the law dated 18 September
   2017
 * Sanctions legislation, in particular the European Regulation No 2580/2001/EC
 * Accounting and tax requirements.

4.2 To be able to conclude and implement contracts with you

Some personal data is needed in order to be able to sign a brokerage contract or
to provide the service that you expect from Vanbreda when implementing the
contract.

Vanbreda’s services include, among others, providing advice, offering and
recommending insurance contracts, the performance of preparatory work for
concluding insurance contracts and the actual conclusion of insurance contracts.
Finally, Vanbreda will also help you manage the implementation of insurance
contracts. It assists with the preparation of claims and may, if necessary,
appoint experts or contact other affected parties and provide them with your
personal data.

If you want to make use of a third-party payment system, Vanbreda will also need
to process your personal data.

4.3 For the correct provision of our services

Vanbreda will also process your personal data in order to further its legitimate
interests.

Processing for this reason includes, among other things:

 * Customer management
 * Central administration within Vanbreda Risk & Benefits
 * General business management, including tracking profitability
 * Risk management, combating fraud and compliance
 * Legal support and defence of our rights
 * Quality control and improvement of our services
 * Internal audit
 * IT support for other purposes (such as use of pseudo-anonymised data for
   testing programs, searching for the causes of and solutions for IT problems,
   etc.)
 * Network and information security, including access controls
 * Studies and statistics
 * Analysis and use of the website, apps, etc. with a view to improving our
   products and services
 * Direct marketing to existing customers (commercial mailings, invitations to
   events and seminars, sending out surveys, etc.)

For this processing, Vanbreda will always balance its own interests against your
rights and reasonable expectations. If you do not agree with one of the above
forms of processing, you may lodge an objection as described in point 3.

When you contact the Vanbreda Risk & Benefits Contact Centre with regard to your
Hospitalisation, Outpatient Expenses or Income Care policy, your phone call will
be recorded to monitor the quality of the service. This data will be stored for
up to 180 days.

4.4 For the smooth provision of our services to our clients and insurers

Vanbreda will also process your personal data in order to further the legitimate
interests of third parties such as clients, employers and insurers. This will
only occur when the interest of the other party outweighs the impact on your
rights and reasonable expectations.

Processing for this reason includes, among other things:

 * Reporting statistics to clients and employers, for example in order to
   improve working conditions, provide targeted training, etc.
 * Requesting and comparing insurance products
 * The provision and membership of insurance policies (such as accident-at-work
   insurance)
 * Wherever possible, this data is communicated to the parties involved on an
   anonymised basis.

4.5 To carry out direct marketing

Vanbreda wants to offer you products and services that are relevant to you. In
addition, we also see it as our job to inform you of new business risks that
may, for example, threaten the continuity of your company.

In order to give you the best possible advice, Vanbreda will use the data that
it has available. Vanbreda uses your personal data in order to carry out direct
marketing. By analysing your personal data, you can enjoy a personalised
approach and Vanbreda can present you with specialised proposals. If you would
prefer this not to be the case, you can always let us know.

4.6 Because you have provided us with your consent

Certain personal data will only be processed because you have provided Vanbreda
with your consent for us to do so. You can remove your consent at any time,
without providing any justification.

The withdrawal of consent means that these processes, based on your consent,
will no longer be possible in future. The withdrawal of your consent does not
mean that processing that occurred in the past on the basis of your consent is
suddenly no longer valid.


5. FROM WHOM DO WE RECEIVE YOUR PERSONAL DATA?

Your personal data can reach Vanbreda in a number of ways:

 1. You may have shared them yourself, initially or in the course of our
    collaboration;
 2. Vanbreda received your personal data from someone close to you (such as your
    family);
 3. Vanbreda received your personal data as part of the implementation of a
    contract with your employer, where you were an insured
    person/beneficiary/contact;
 4. Vanbreda found said personal data in a public source (e.g. the Belgian
    Official Gazette, LinkedIn, etc.);
 5. Vanbreda purchased said data from third parties, e.g. prospect databases to
    which you had given your consent;
 6. Someone else provided your personal data to Vanbreda as part of the
    implementation of an insurance contract, or the management of a claim;
 7. Someone else provided your personal data to Vanbreda as part of a contract
    between Vanbreda and said third party (e.g. a hospital invoice that
    AssurCard passed directly on to Vanbreda);
 8. Indirectly (for example from surfing our website).

If you provide Vanbreda with someone else’s personal data, it is important that
this person is informed about it and referred to this privacy statement.


6. TO WHOM DO WE PROVIDE YOUR PERSONAL DATA?

6.1 Vanbreda

Your personal data can be transferred to other companies within Vanbreda. In
this way, each Vanbreda company can see the information relating to customers,
and does not need to ask for the same information every time.

This obviously does not apply to your medical data. This is only processed by
the company within which it was collected.

Within Vanbreda, only those people who need the information for processing will
have access to your personal data. The data they can access will depend on the
reason why they need this access.

6.2 Others

Vanbreda may provide your personal data to parties who are involved in
implementing a contract or policy. This may be, for example, (potential)
insurers, the contact person at a company, (medical) experts and consultants,
banks, health insurance funds, etc.

Your medical data is handled with particular care. In order to avoid processing
any unnecessary data, we ask everyone to respect the agreements in the insurance
policy. In some cases, therefore, you may be asked to send medical information
directly to the consulting physician of the insurance company.

If Vanbreda shares this data with a third party (e.g. the insurer or your own
doctor), this is only in the context of implementing a contract or paying for a
claim.

Vanbreda may also provide your personal data to parties who are involved in
handling a claim. These may be, for example, the other party (or their
insurers), (medical) experts and consultants, banks, etc.

In order to provide its services as smoothly as possible, Vanbreda uses a number
of suppliers and subcontractors. In order to perform their tasks correctly, it
may be that they are given access to your personal data. By signing a data
processor contract with them, Vanbreda defines some very clear limits about what
your personal data may be processed for, and where. In addition, Vanbreda
imposes the necessary security standards.

If Vanbreda is legally required to do so, it will share your personal data with
the public authorities.

Important: Vanbreda will never sell your personal data.

Vanbreda endeavours to process your personal data within the European Economic
Area as far as possible, unless otherwise required to implement a contract (e.g.
contact with a local expert for a claim abroad). If this is not the case,
Vanbreda will inform you about it.


7. AUTOMATED DECISION-MAKING

Vanbreda uses automated data processing in some processes to increase the speed,
reliability and efficiency of its services. In limited cases (see below), there
is an automated decision-making process that has consequences for the insured.
These processes are subject to manual review on a sample basis. You have the
right to ask for human intervention for these processes at any time, indicate
your opinion or challenge the automated decision. Please get in touch with your
contact person or the Data Protection Officer in this regard.

Process

Logic used

Data used

Importance and expected impact

Hospitalisation report

When you file a declaration that is clearly covered based on limited data, this
declaration will (or may) be accepted automatically.

Identification data, insurance policy, declaration data.

Fast acceptance.

Payment of straightforward medical expenses

When you submit medical expenses that are clearly reimbursed based on limited
data and limited in amount, these will (or may) be automatically accepted and
paid.

Identification data, insurance policy, medical expenses submitted.

Fast payment.


8. HOW LONG DO WE RETAIN YOUR PERSONAL DATA?

Vanbreda will only retain your personal data for as long as Vanbreda needs said
data for the implementation of its tasks, and representing its interests.

We will delete your data in our active systems at the latest on the expiry of
the liability period for potential complaints.

Your data is stored in our back-up systems until it is removed from the storage
system. When a back-up system needs to be used, the data that is no longer
needed for the defined tasks is first removed from the active systems.


9. HOW DO WE USE GOOGLE ANALYTICS

Vanbreda uses Google Analytics to collect data about the use of the website and
use it to prepare statistics and detailed reports. This information is collected
using cookies, in order to optimise the website in line with patterns of user
behaviour.

The information that is collected is transmitted directly to Google’s servers in
the United States. The information is also stored there. To prevent data being
traced back to specific users, the users’ IP addresses are transmitted to Google
and anonymised there before use. These (anonymised) IP addresses will never be
processed in conjunction with other data from your users. In this way, data is
only collected from anonymous groups and not from individual users.

In addition, Vanbreda does not collect demographic data from its users via
Google Analytics, and no additional data is collected for advertising purposes.
No user IDs are kept, and no personally identifiable information is displayed
anywhere in the website’s URLs.

Google acts as the processor for our data, and a processing agreement has been
concluded with Google for this role. Google has not been granted permission to
use the data on Vanbreda’s website for its own purposes, such as displaying
advertisements.

The data that Google Analytics collects is therefore anonymous and is only used
to help optimise the user experience of the website. The information that we
collect:

 * Title and URL of the pages a user visits;
 * Information about the user’s browser, operating system and screen resolution;
 * User information: user’s language and location based on their browser
   settings and IP address. This location will be a rough estimate because the
   IP address will be truncated;
 * The platform or website through which the user accesses the Vanbreda website,
   the amount of time the user spends there, the number of pages they visit, and
   the date and time of this visit.

Vanbreda’s website also uses Google Tag Manager. This Google Inc. tool allows
different tags to be placed on the website. Google Tag Manager does not itself
use any cookies or collect information from its users.


10. PRIVACY POLICY INSURANCE COMPANIES

Vanbreda works with various insurers. You can find your insurer’s privacy policy
on their website.

Date of publication: 19/10/2022

Questions and problems relating to privacy

For any questions and problems relating to the processing of your personal data,
you can contact our Data Protection Officer (DPO) at dpo@vanbreda.be, using our
form or by post to Vanbreda Risk & Benefits NV, attn. DPO, Plantin en Moretuslei
297, 2140 Antwerp, Belgium.


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