For years, Equifides Brokers Associés has attached great importance to respect for privacy. We process the personal data of each natural person with care and in a manner taking into account the applicable legislation, regardless of whether this natural person is a (potential) policyholder, an insured person, a victim, a beneficiary , a contact person within a company, a witness, an expert…
This statement explains why Equifides Brokers Associés collects personal data, what we do with it and what your rights are.
Equifides Brokers Associés is a private limited liability company registered under number BE 0761 585 305 whose head office and operating headquarters are located at Clos Chanmurly 13 in 4000 Liège. (hereinafter “Equifides Brokers Associés”) processes your personal data (hereinafter “personal data”) on its own behalf, as data controller.
The data controller, within the meaning of European data protection regulations, is the natural or legal person who determines the purposes and means of the processing of personal data.
Personal data is any information about an identified or identifiable natural person (for example a person's name, photo, telephone number, contract number, password, etc.) .
We only process personal data strictly necessary for the achievement of the purposes mentioned below (see point 4). Depending on your particular situation and in particular the type of insurance concerned, Equifides Brokers Associés may process the following data:
Equifides Brokers Associés may also be required to process certain sensitive data, benefiting from particular protection, such as:
Equifides Brokers Associés processes this data with particular care.
We may also use data obtained from external sources, in particular in the following cases:
In certain cases, we may use personal data relating to people other than you, and for example:
If you provide us with such data, we invite you to inform the persons concerned.
Equifides Brokers Associés requires certain personal data to meet its legal obligations. If it cannot have this data, it cannot enter into an agreement with you, continue it or carry out an operation requested by you or a third party for your benefit.
The legal provisions which encourage Equifides Brokers Associés to process your personal data are, among others:
Certain personal data is necessary to conclude the intervention contract or provide the service that you can expect from Equifides Brokers Associés as part of the execution of the contract.
Among other things, the service of Equifides Brokers Associés includes: advice, the offer and proposal of insurance contracts, but also the carrying out of the preparatory work for the conclusion of insurance contracts and the actual subscription of insurance contracts. these. Finally, Equifides Brokers Associés will also support you in the management and execution of insurance contracts. It will handle claims reporting and, if necessary, appoint experts or contact other parties involved and transfer your personal data to them.
If you wish to use a third-party payment system, Equifides Brokers Associés will also have to process personal data to do so.
Equifides Brokers Associés will also process your personal data on the basis of its legitimate interest.
The processing carried out for this purpose falls within the framework of:
As part of these processing operations, Equifides Brokers Associés will systematically take into consideration its own interests in relation to your rights and your reasonable expectations. If you do not agree with any of the above-mentioned processing, you can object to it.
Equifides Brokers Associés will also process your personal data based on the legitimate interests of third parties such as clients, employers and insurers. This will only be done if the interest of the other party outweighs the impact on your rights and reasonable expectations.
The processing carried out for this purpose falls within the framework of:
Where possible, this data is communicated on an anonymous basis with the parties concerned.
Equifides Brokers Associés wishes to offer you products and services that may interest you. Furthermore, we consider it our mission to inform you of new professional risks which may, for example, threaten the continuity of your business.
In order to best advise you, Equifides Brokers Associés uses the data at its disposal. Equifides Brokers Associés therefore uses your personal data to carry out direct marketing. Through the analysis of these, you benefit from a tailor-made approach and Equifides Brokers Associés can make you personalized proposals. If you don't want it, please let us know.
Certain personal data is only processed because you have given your authorization to do so to Equifides Brokers Associés. You can always withdraw this authorization, without having to justify your decision.
This withdrawal means that previously authorized treatments will no longer be possible in the future. The withdrawal of your authorization does not, however, imply that the processing carried out on the basis of your authorization will no longer be valid.
If you wish to know if and what personal data concerning you are processed by Equifides Brokers Associés, you can request to consult them. Equifides Brokers Associés will then provide you with the most complete overview possible of the personal data it processes in its active files. Given the large amount of personal data processed by Equifides Brokers Associés, we ask you to tell us what information or processing activities the request concerns. Personal data only included in backup files or logs or which cannot be directly associated with you will not be collected. Given the sensitivity of health data, it is not sent by default. To do this, we ask you to tell us which doctor we can send them to so that they are available to you from that doctor.
If it appears that the personal data we process for you is incomplete or is (no longer) correct, you can (have) it adapted and/or supplemented.
Your personal data is automatically deleted after a while. You will find further explanations on this subject in point 6. If you believe that your personal data are being processed wrongly, you can request that Equifides Brokers Associés erase them sooner.
It may happen that due to a specific situation in which you find yourself, you do not agree to processing based on the legitimate interests of Equifides Brokers Associés. In this case, you can object to the processing of your personal data and Equifides Brokers Associés will consider your specific interests as well as its own. It is only if there are compelling legitimate reasons which override your interests (for example: fight against fraud) or in the context of a (future) action that Equifides Brokers Associés will continue to process your data personal character.
If you object to the processing of your personal data for direct marketing, Equifides Brokers Associés will terminate the processing carried out for this purpose.
You have the right not to provide us with the personal data we request. However, if you refuse to provide us with the data requested in the context of issuing an insurance proposal, concluding an insurance contract or reporting a claim, Equifides Brokers Associés could find itself in the impossibility of concluding such a contract or responding to your request for intervention.
You can ask Equifides Brokers Associés to limit the processing of your personal data if, for example, you need time to check the accuracy of your personal data, if the processing is illegitimate, if Equifides Brokers Associés no longer needs these personal data (but you do in the context of an action) or if you have objected to processing and there still needs to be an examination of interests. p>
For personal data that you yourself have provided to Equifides Brokers Associés, and which are processed with your authorization or on the basis of a contract and through an automated process, you can request whether they are assigned to you or to another party.
In some of our processes, decisions are made without human intervention. An example is the reimbursement of a claim for which it is also clear to a computer in the specific situation that reimbursement is obvious. The existence of such automated decision-making and the underlying logic are indicated during the process. You can always contact your contact person at Equifides Brokers Associés if you have any questions about this automated decision-making or if you do not understand a decision and require further explanation in this regard.
You can at any time withdraw your authorization for the personal data that Equifides Brokers Associés processes on the basis of your authorization. If you withdraw your authorization, Equifides Brokers Associés may no longer be able to provide certain services.
If you wish to exercise any of these rights, it is important that:
It is best to send your request to your contact person at Equifides Brokers Associés.
More information about the legislation relating to the protection of personal data can be found at www.privacycommission.be, the website of the Belgian data protection authority. You can also file a complaint there.
Equifides Brokers Associés may transmit your personal data to third parties involved in the execution of a contract or policy. These include, for example, (potential) insurers, the contact person of a company, (medical) experts and advisors, a bank, a mutual insurance company, etc.
Your health data is treated with the greatest care. In order not to process unnecessary data, we ask you to respect the agreements made in the insurance policy. Thus, in certain circumstances, it is requested to send medical information directly to the insurance company's medical advisor.
If Equifides Brokers Associés communicates this data to a third party (for example: an insurer or your treating doctor), this is only within the framework of the execution of a contract or the reimbursement of a claim.
Equifides Brokers Associés may also transmit your personal data to parties involved in handling a claim. This includes, for example, (the insurer of) the other party, (medical) experts and advisors, a bank, etc.
To ensure that its services are provided in an optimal manner, Equifides Brokers Associés uses several suppliers and subcontractors. In order to properly carry out their missions, they may have access to your personal data. By concluding a processing contract with them, Equifides Brokers Associés imposes very clear guidelines on them based on and within the framework of which your personal data may be processed. In addition, Equifides Brokers Associés also imposes all the required protection standards on them.
If Equifides Brokers Associés is legally obliged to do so, it will share your personal data with the competent public authorities.
Important: Equifides Brokers Associés does not sell your personal data!
Equifides Brokers Associés aims to process your personal data as much as possible within the European Economic Area, unless it is strictly necessary for the execution of the contract (for example: contacting a local expert in the event of a claim abroad). If this is not the case, Equifides Brokers Associés will inform you.
We keep your personal data for as long as necessary to achieve the purposes set out above. This means, for example, that we keep your data during the execution of the insurance contract but also during the applicable legal limitation period.
When no purpose any longer justifies the retention of your personal data, we only retain them to the extent required by law.
Equifides Brokers Associés may make changes to this notice. We will inform you of any changes to the notice via our website.
You can contact our office for all your questions and problems relating to the processing of your personal data: