Privacy Policy

www.inovinsurance.com uses etracker technology (www.etracker.com) to collect visitor behaviour data. This data is collected anonymously and used for marketing and optimisation purposes. All visitor data is saved using an anonymous user ID to aggregate a usage profile. Cookies may be used to collect and save this data, but the data remains strictly anonymous. The data will not be used to identify a visitor personally and are not aggregated with any personal data.

INOV Insurance, in the course of providing insurance services to its insureds, may collect personal information in relation to its insureds or third parties.

Any such information collected by INOV Insurance is treated with the strictest confidence and used solely for the purpose it was collected or as authorised by law. If you wish to find out whether INOV Insurance holds any personal information about you, you can write to us or contact us at:

    Marketing Department

     INOV Insurance

     Calle Casp 37

     08010 Barcelona

     SPAIN

     Tel: 902 02 66 12/+34 93 268 87 42

Personal Information Collection Statement

In the course of providing insurance , INOV Insurance needs to collect personal information about persons.  In accordance with the the Spanish Organic Law 15/99, this statement contains the information required to be given to persons about whom we collect personal information.

Your access to your personal information

You can request access to personal information which we hold about you. 

Our use of personal information

We may at any time use personal information we collect about you for any of the following purposes:

• to provide a quotation or assess a proposal for insurance
• to provide, amend or renew an insurance policy
• to respond to a claim.

We only collect personal information that we need to provide insurance to you or to a person with whom you are associated, and to respond to any claims that you or that other person makes under an insurance policy with us.  If you do not give us this information we may not be able to provide insurance or process a claim.

INOV Insurance is committed to the protection of privacy.  When we collect, handle, store, use or disclose personal information, we try at all times to comply with the Law.

This privacy statements sets out:

• our policies on the management of personal information; and
• the types of personal information we hold, the purposes for which we hold it and how we collect, store and handle that information.

When, why and how we collect personal information

We may collect personal information in a number of circumstances.  The main ones are:

• when a person or their consultant asks us or for an insurance quote
• when a person arranges insurance through us
• when we appraise a person's property
• when a person alters the terms of their insurance policy
• when a person makes a claim
• when we investigate a claim
• when a person requests information from us
• when a person applies for a job with us.

Generally, we will only collect the personal information that we need to:

• quote on or assess an insurance proposal
• provide and maintain an insurance policy
• process a claim
• process a job application.

Whenever we collect personal information, we do everything we can to let the person know:

• how to contact us
• why we collect the information
• the organisation or types of organisations to which we usually disclose that kind of information
• the consequences if the information is not provided.

We generally try to collect personal information directly from the individual and not from the third parties.  However, there are situations where it is not reasonable and practicable to collect information directly.  They include:

• when a person contacts us through an authorised intermediary,
• when we are seeking independent verification or appraisal of information provided,
• when we are considering or investigating a claim.

If we collect personal information from a third person, such as a company for whom the individual works, or a broker or assessor, we may rely on that third person to provide the collection statement to the individual.

The purposes for which we use or disclose personal information

We collect personal information because we need it to:

• provide a quotation
• determine whether to provide insurance and on what terms
• process a claim
• consider a job application.

Generally, we will not use or disclose personal information for any other purpose unless we have received the consent of the individual.  We will not give personal information to any other organisation for marketing purposes. 

From time to time, we may use personal information to provide individuals with news or offers about products and services that we provide.  However, we will only do that with the consent of the individual.  If a person consents to us using personal information for that purpose, and subsequently changes their mind, they can request us not to use the information for those purposes again.

We do everything we can to ensure that the personal information we hold is accurate, complete and up-to-date.  To do this we:

• periodically review our database and remove personal information that is no longer required; and
• promise to correct any error that is brought to our attention.

We will provide access to personal information we hold about a person on request.  

We recognise that you are concerned about the security and confidentiality of the personal information provided to us.  We recognise the value of that information and will do everything we reasonably can to prevent unauthorised access to, or disclosure, misuse or loss of that information.

If you have a complaint

We take very seriously any complaints we receive about the way we treat personal information. If you have a complaint about the way we use or handle your personal information, you should contact our Marketing Department at INOV Insurance Calle Casp 37 08010 Barcelona SPAIN-Tel: 902 02 66 12/ +34 93 268 87 42.