Privacy Policy

For what purpose do we process your personal data and what is the legal basis?

We process your personal data:

• To enter into and perform an insurance contract with you, including the provision of insurance services such as issuing insurance offers, concluding the insurance contract, administering the concluded contract, assessing insurance risk, calculating insurance premiums, handling insurance claims, calculating and disbursing insurance compensation, as well as performing other related activities;
• In order to identify you;
• To comply with legal obligations applicable to us;
• To protect our legitimate interests, such as fulfilling contractual obligations, handling litigation or insurance fraud cases, and similar actions;
• Based on your consent, for marketing purposes, improvement of service quality, website enhancements, and related activities.

What categories of personal data do we process?

We process the following categories of personal data:

• Identification data, such as name, surname, date of birth;
• Contact information, such as telephone number, email address;
• Data about insured items, such as rental car information and related data;
• Transaction data, such as bank account number, premiums paid and related data;
• Information related to insurance claims, such as loss amount, insured objects, circumstances of the incident and related data;
• Communication and device data, such as emails, messages, video/audio recordings, communication data collected when you visit our website;
• Data related to relationships with legal entities, such as information from a car rental service provider confirming that a service has been provided to you which is to be paid for by us;
• Customer risk assessment data, such as travel destinations, insured items and related data.

How do we obtain your personal data?

We obtain your personal data within the scope of providing insurance services, in the following ways:

• Directly from you during contract signing, claim processing, via applications, emails, calls and similar activities;
• From insurance intermediaries, premium payers, claimants, and car rental providers;
• In cases where it is necessary for us to investigate and identify an insurance event, or to calculate insurance compensation, we may request your personal data from other public or private sources, such as public registers and law enforcement authorities;
• Via website cookies.

To whom may we disclose your personal data?

We may disclose your personal data to:

• Parties with whom we cooperate for the performance of an insurance contract, such as insurance intermediaries, but only to the extent necessary to provide you with insurance services;
• In cases and to the extent prescribed by law, we may disclose your personal data to duly authorized persons or authorities, such as supervisory authorities, law enforcement agencies, and for other related purposes to other competent institutions;
• For the provision of insurance services, we may use third-party service providers, such as postal services, translation services, legal service providers, claims processors, and other similar service providers. In such cases, we ensure that these data processors provide sufficient guarantees to implement appropriate technical and organizational measures to ensure that personal data processing complies with applicable legal requirements.

In which jurisdictions do we process your personal data?

We process your personal data in the countries of the European Union and the European Economic Area.

How long do we retain your personal data?

We process your personal data only for as long as necessary to achieve the specific purpose of the data processing. The retention period depends on the concluded insurance contract and applicable legal requirements. For example, we retain personal data to be able to demonstrate the fulfillment of obligations, taking into account the limitation period, but for no longer than 10 years.

Is the processing of your personal data related to automated decision-making?

Your personal data may be subject to automated processing when we assess the likelihood of an insurance risk occurring and calculate the amount of the payable insurance premium.

Security of your personal data

To ensure the security of your personal data and protect it against unauthorized or unlawful processing, accidental loss, disclosure, or destruction, we have implemented appropriate technical and organizational measures. These security measures are regularly reviewed and improved by applying modern technologies, including firewalls, data encryption, and software for detecting and analyzing attempted intrusions.

Your rights as a data subject

In accordance with applicable laws, you have rights that you may freely exercise by contacting us, such as:

• Right to access information about the processing of personal data.

  You have the right to receive confirmation as to whether or not we process your personal data and, if so, access to that data and information regarding the purposes of processing, categories of data processed, categories of data recipients, data retention periods, and the sources from which the data was obtained.

• Right to request rectification of personal data.

  If your data has changed or you find that the information we hold about you is inaccurate or incorrect, you have the right to request that it be amended, clarified, or corrected.

• Right to withdraw consent.

  In all cases where we process your data based on your consent, you have the right to withdraw that consent at any time, and any processing carried out on the basis of that consent will be stopped. You also have the right to withdraw your consent to receive commercial communications at any time. Withdrawing your consent will not affect your ability to use our services.

  If your consent is withdrawn, revoked, or has expired, we will delete the data that was processed based on that consent, unless there is another legal basis for processing the data for the purposes outlined in this Policy.

  In any case, we may retain your consent and proof of it for a longer period if necessary to protect our rights in the event of claims or legal actions brought against us.

Your right to lodge a complaint

If you believe that we are processing your personal data in violation of data protection laws, we encourage you to contact us directly. We are confident that we can successfully address your concerns, fulfill your requests, and, where necessary, rectify any mistakes.

However, if you are not satisfied with the solutions we offer or believe that we have not taken the necessary steps, you have the right to lodge a complaint with the relevant data protection supervisory authority. A list of these authorities can be found on the European Data Protection Board’s website. The supervisory authority in Latvia is the Data State Inspectorate (website: www.dvi.gov.lv).

Do we use cookies on our website?

Yes, we do. We use cookies — small information files that are sent to your computer or other device, such as a mobile phone, when you visit our website. These files are stored in your web browser to retain data, allowing us to recognize you as our customer, particularly when you revisit our website. By using cookies, we may also link your browsing history and other data we process while you browse the internet. The information obtained through cookies allows you to navigate our website more conveniently and helps us better understand user behavior, analyze trends, and improve both our website and the services we provide to you, as well as the services we offer in general.

Our website also uses third-party cookies. These are used to build a browsing history for each visitor in order to display targeted advertisements and provide the best possible user experience when visiting our site. If your browser allows third-party cookies, our chosen partner may set their cookies in your browser. You can find our Cookie Policy here.

08.04.2025