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Loadsure Europe is committed to protecting your personal data and complying with data protection laws. Please read this privacy policy carefully. It provides information about how we use personal data and the rights available to you under data protection laws. This policy document explains how we collect, use and store information about our customers and how we protect your privacy. By using this web site and/or supplying information to us through it, you confirm your agreement to the collection, use and/or storage of your personal information by us in accordance with this privacy policy.

We will not automatically collect any personal data about you, either through this website, or by any other automated means: If, for any business purpose, it becomes necessary to collect personal information about you, this business purpose, the categories of personal information, and the ways in which it will be collected, used and stored (including our policy on data destruction when our possession of the data is no longer necessary) will be communicated to you; We will use personal information about you mainly to: Provide you with a quotation from Insurers; Arrange and administer your policy if you buy one through us; Arrange Premium Finance/Consumer credit if required; Inform you about our products and services; Statistical analysis. Some of the personal information we ask you to provide may be sensitive (special category) as defined in the legislation, e.g. you may have to give us information about your medical history, criminal convictions and driving offences. We are allowed under the legislation to collect such information for specified “insurance purposes” without your specific consent but it will only be used for the purposes set out above. If you give us information about another person, in doing so you confirm that they have given you permission to provide it to us and that we may use their personal data in the same way as your own as set out in this notice.

Before or at the time of collecting personal information, we will identify the purposes for which information is being collected; We will collect and use our personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain your consent or as required by law;

In doing so we will ensure: We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned; The personal information we collect should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date. We will use our best endeavours to ensure that we meet these standards of accuracy, and will update, edit, or delete as quickly as possible any information that you consider to be wrong; Sharing and safeguarding your personal data: Your personal data will only be accessed by our employees or authorised third parties who require the information for their business purposes. In some instances, we may share your personal data with our associated companies, insurers or service providers in countries outside of the EU, UK or European Economic Area (“EEA”) where data protection laws may not offer the same level of protection as within the EU, UK and EEA. In any circumstance where it is necessary to share your personal data with a third party, there are strict contractual agreements in place to ensure the security and confidentiality of your personal data and our group companies, authorised third parties and governmental, legal and regulatory authorities. 

When we share your personal data: We will protect your personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification, and;

We will make all the information we hold about you readily available as well as information about our company’s policies and practices relating to the management of personal information.

This website and its owners take a proactive approach to user privacy and ensure the necessary steps are taken to protect the privacy of our users throughout their visit. We reserve the right to modify the content or format of this website at any time. We also reserve the right to change the information on this page if necessary. Please read the whole content of this Privacy Policy. We accept no liability whatsoever for any damage, either temporary or permanent, occurring to any electronic equipment or software which might happen whilst using this site. Any such damage will be deemed to be coincidental.

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information.

We will retain your personal information in accordance with the purposes for which it was collected as detailed in this Privacy Policy, and for as long as necessary to fulfil those purposes. Below are specific retention periods for different types of data:

• Financial Records: Retained for 5 years.
• Employee Records: Retained for 3 years post-employment.
• Customer Data: Retained for the duration of the customer relationship plus an additional 5 years.
• Operational Data: Retained as needed for business operations, not to exceed 5 years.
• Email Communications: Retained for 5 years.

We may need to retain certain information for longer periods as required for record-keeping/reporting in accordance with applicable law or for other legitimate reasons like enforcement of legal rights, fraud prevention, etc. Residual anonymous information and aggregate information, neither of which identifies you (directly or indirectly), may be stored indefinitely. All retention periods are subject to relevant legal exemptions.

Our policy complies with the Data Protection Regulation. The law requires us to tell you about your rights and our obligations with regards to the processing and control of your personal data. We ensure individuals can exercise their rights in the following ways:

• The right to be informed;
• The right to access your personal data;
• The right to rectification;
• The right to erasure;
• The right to restrict processing;
• The right to data portability;
• The right to object to processing;
• The right to withdraw consent;
• Rights related to automated decision making including profiling;
• There are some circumstances where we may be required to restrict your rights in order to safeguard the public or our own interests.

If you wish to exercise any of the rights described in this Privacy Policy, including requesting access, correction, or deletion of your personal data, please contact us via email at dpo@loadsure.net if you have any questions or concerns regarding the processing of your personal data.

Upon receiving a request, we will verify your identity to protect your privacy and security. We will respond to your request within one month of receipt of the request, providing you with the outcome of your request or asking for additional information if necessary. For any requests that are manifestly unfounded, excessive, or repetitive, we may charge a reasonable fee to cover administrative costs or refuse to act on the request. You will be notified of any fees or if the request will not be fulfilled and given an explanation in such instances.

Cookies are small files saved to the user’s computer hard drive that track, save and store information about the user’s interactions with, and usage of the website. This allows us, through the Google Analytics server to provide our users with a tailored experience within this website.

The cookies our website places on your computer are only used to monitor the performance of our website. The cookies collect various types of information in an anonymous form, including the number of visits to our site, where visitors have come from to the site and the pages they visited.

We use tracking software to anonymously monitor our visitors to better understand how they use our website. This software which will save a cookie to your computer in order to track and monitor your engagement and usage of the website, but this cookie will not collect, use or store any information about you which is designated ‘personal information’ under Data Protection Regulations.

On this website you may be offered links to other sites which we hope will be of interest. However, please be aware that we have no control where such sites are operated by a third party and we do not endorse them. You agree that we are not responsible for the availability or content of, or products and services available on those websites.

In order to provide you with the full functionality of our services, we engage various third-party service providers. These third parties are carefully selected and are essential to the delivery of the services you have requested.

Essential Service Providers:
Our use of third-party service providers is limited to those necessary for the effective operation of our services. These providers perform various functions, including data processing, data storage, security, and customer support. Without the involvement of these third parties, we would not be able to offer our services. Therefore, it is not possible to opt out of this data sharing if you wish to use our services.

Data Protection:
We ensure that all third-party service providers are compliant with the General Data Protection Regulation (GDPR) and that they process data solely on our instructions and for the intended purposes specified in our contracts with them. We also require them to implement appropriate security measures to protect your data against unauthorized or unlawful processing and against accidental loss, destruction, or damage.

Transparency:
We commit to maintaining transparency about the third-party providers we use and the purposes for which they process your data. A list of these third parties is available upon request.

Your Rights:
You have the right to request access to the personal data we hold about you, including any data shared with our third-party service providers. You also have rights to rectification, erasure, and restriction of processing concerning your data, which we will honor to the extent that it does not conflict with our legal obligations or affect the core functionality of our services.

By using our services, you acknowledge and agree that the aforementioned third-party service providers are necessary for the delivery of the services and that opting out of data sharing with these parties is not possible while continuing to use our services.

You can engage with us through LinkedIn social media website. When you engage with us through social media sites, you may allow us to have access to certain information from your social media account (e.g., name, e-mail address, photo, gender, birthday, city, the posts or the ‘likes’ you make).

Limited Opt-Out Options and Necessity of Data Collection Data Necessary for Insurance Services:
In order to effectively provide our insurance services, we are required to collect and process certain personal information that is essential for the administration and management of insurance policies. This includes, but is not limited to, personal identification details, financial information, and other sensitive information necessary to assess risk, process claims, and fulfill our contractual obligations to you.

Legal Basis for Processing:
The processing of this data is based on the necessity to perform the contract to which you are party (the insurance policy), compliance with our legal obligations, and our legitimate interests in conducting our business effectively and lawfully. Due to the essential nature of this data for the services we provide, opt-out options cannot be offered for the processing of this data without impacting our ability to provide you with our services. If you choose not to provide this necessary data, we may not be able to enter into or maintain an insurance contract with you.

Other Data Collection:
Apart from the data essential for the provision of insurance services, we may collect additional information which is not strictly necessary for the contract. This may include data used for marketing purposes, customer satisfaction surveys, and other ancillary activities. For this category of information, we will provide you with the opportunity to opt out of such processing. We respect your privacy rights and will ensure that it is straightforward for you to exercise these rights.

We reserve the right to modify this Privacy Policy without notice and so you should check the current position each time you visit our website.

If you have any questions, comments, complaints or wish to exercise your data protection rights, please contact the Loadsure Europe Data Protection Officer, by email at:dpo@loadsure.net.

Or by post to the following address:

Data Protection Officer
Loadsure Europe
Avenue Herrmann Debroux 54
Auderghem
1160
Belgium