AXA - Privacy Policy

AXA Partners, Norwegian registered foreign company's (NUF) privacy policy

This website is owned, operated and maintained by AXA Partner, NUF. Your privacy is very important to us. We value your trust and have developed this Privacy Policy to help you understand how we collect, protect and use your personal information. By "personal data" we mean information that is suitable for identifying you as a person and that can be linked to you or others.

If you use our online claims portal, the insurer of your insurance contract is the data controller for all personal data you provide. The Company will process your personal data in accordance with this policy. Who is the insurer is stated in your policy and terms and conditions. Alternatively, you can contact us at clp.no.kundeservice@partners.axa or by calling us at 800 37 500.

How we collect your personal data

Visit to our website

As a visitor to our website, you will have certain access without providing personal data. In such cases, our servers collect the domain name you used to access the internet, such as "aol.com" or "yahoo.com", and the website you come from and visit afterwards.

We may select outside companies that use such information on our behalf to measure the number of visits, average time spent, page views and other statistics about visitors to our website in general. We may use such information to monitor the quality of the Site and make it easier and easier to use.

We may collect statistics that we collect about our customers, sales, web traffic patterns and services, and provide this to a third party. When we provide these statistics to a third party, it will not contain personal data that identifies you.

Registered users

We may ask you to become a registered user in order to gain extended access, for example to our online claims portal. Once you have become a registered user, we may collect personal data when you use our website.

Use of our claims portal

If you use our online claims portal, we may collect personal data in order to process your claim.

Cookies (Informasjonskapsler)

Cookies are small amounts of data that are stored by your browser on your computer's hard drive. We use cookies to ensure that you can benefit from and use the online claims portal if you wish. You can set your browser to let you know when you receive a cookie or to prevent cookies from being sent. However, please note that not accepting cookies may reduce the functionality we can offer when you visit our website.

We may also collect personal data in other ways (such as from your application and claim form, phone calls and emails, as well as from third parties such as witnesses and medical staff).

Types of personal data

Depending on your relationship with us, personal information we collect may include:

  • General identification and contact information such as your name, address and other contact information, as well as date of birth.
  • Medical information about your current health condition, information about any injuries, incapacity for work and medical history.
  • Financial information such as your account number and credit history.
  • Other sensitive personal data such as your religious beliefs and any criminal convictions.
  • Your marketing preferences provided to us.
  • Information that enables us to offer you products and services

How we use your personal information

We use your personal information to:

  • Process your application for insurance.
  • Process any damage claims.
  • Send you information about your insurance contract.
  • Provide enhanced quality, training, and safety.
  • Conduct market research.
  • Provide you with marketing information (including information about products and services of third parties) in accordance with your marketing preferences.
  • Fulfill our obligations under applicable laws and regulations.
  • Upholding and defending statutory law
  • Prevent, detect and investigate crime, including fraud and money laundering.

We will not share your personal data with third parties or use your personal data for purposes other than those described above. For example, we will not sell personal information to a third party who wishes to market its products and services to you.

Children's Personal Information

We do not provide insurance products or service agreements, or collect any personal information from children under the age of 18. If, without our knowledge, such agreements are entered into, we shall attempt to delete any such insurance contract, refund the premium or payment, and delete any information about that person when a parent or guardian informs us that personal data about their child has been received in this regard.

Information about children may be collected in connection with an injury claim or in connection with an insurance offer, if this is relevant in relation to the conditions of the claim or offer.

Sharing your personal data

We may share personal information we have collected with other companies as mentioned below. The companies we share personal data with are obliged to use the information only for the purpose stated. Sharing may occur to the following third parties:

  • The company that is the insurer for your insurance contract.
  • The company that is the reinsurer for your insurance contract.
  • Service providers: We may share certain personal data with our external service providers (such as legal advisors, investigators, independent medical advisors, law enforcement agencies and various government agencies) as well as distributors of our products. In all cases, we will require that the service providers who receive personal information from us follow our privacy policy and that they use the information only for the purpose for which the collection was intended. We share your information with these service providers to help us take the best care of you.
  • Group companies: We may share personal data with other group companies for the purposes set out in this Policy. The sharing of personal data within the AXA Group worldwide is covered by AXA Group's Binding Corporate Rules (BCR).
  • Other insurance companies, regulators, trade associations and government agencies.

From time to time, we may also share personal information with other insurers where it is necessary for the purposes outlined in this policy. It may mean transferring data to other countries, including those outside the EU/EEA (see section on "International transfer of personal data" below).

Legal basis for using your personal data

We collect, use and share your personal data for the following reasons:

  • Collection and use of personal data that is necessary to fulfil your insurance contract or service agreement with us, for example to administer the insurance contract, process claims and offer relevant services.
  • The collection and use of personal data is necessary in order to fulfil your insurance contract with another company, to enable us to offer help or benefits and/or to pay damages to you, when these are beneficiaries processed and serviced by us.
  • Collection and use of personal information that is in our legitimate interests, such as being able to manage our business, process claims, provide services, respond to inquiries, preserve documents and communications, handle complaints, enforce compliance with our terms and investigate fraud.
  • Collection, use and sharing of personal data in order to carry out authentication checks.
  • Sharing personal data when it has a legitimate interest in the third party receiving it, such as our business partners investigating us or third parties processing claims under our insurance policies.
  • Collecting, using and sharing personal information in order to comply with our legal obligations, such as where regulators or law enforcement agencies require us to do so.
  • We obtain your consent, in particular for direct marketing communications and, in some cases, for the sharing of your personal data.

Security of collected information

We enforce strict physical, electronic, and administrative safeguards in accordance with applicable standards to protect your personal information from unauthorized or inappropriate access, and to prevent the loss and misuse of your personal information. We restrict access to personal data to employees and service providers who need knowledge of the information for legitimate business purposes and to assist in processing your requests, requests or claims.

We use encryption and authentication tools to protect the information collected on our website. However, email communications outside our website may be unprotected. You should not send us electronic mail containing sensitive information, such as credit card numbers, or you should call us or send it by registered mail.

We have adopted an adequate procedure to identify and communicate any data breach within 72 hours and to resolve it in a timely manner.

Storage of personal data

Your personal data will be stored for as long as is necessary for the approved purpose specified in this policy. This includes storing some personal data after our relationship with you has ended, in particular to be able to resolve potential disputes and for ongoing or future legal proceedings, preserve documentation for our services, and otherwise to be able to comply with our legal obligations and defend your rights.

We undertake to store your personal data safely, confidentially, correctly and efficiently for as long as it is necessary for the use here approved.

Once the storage period is over, your personal data will be anonymised or deleted.

Dine markedsføringspreferanser

To the extent permitted by direct market laws, we use and share your personal information from time to time in ways that will improve or improve the services we provide to you. You can opt out of this opportunity at any time by contacting us at clp.no.kundeservice@partners.axa or by calling 800 37 500.

We also regularly give you the opportunity to opt out of the following:

  • Emails: If you no longer wish to receive marketing emails, you can opt out by clicking on the unsubscribe link provided by each email or by contacting us as directed above.
  • Text messages/telephone communications/postal mail: You may opt out by contacting us as directed above.

Please note that if you opt out, we will still not be able to remove personal data of third parties who have already received it. Even if you do not want to receive marketing information, we will still send you important administrative information.

By actively accepting the terms of this Privacy Policy by ticking the appropriate box on our website, you agree to share your personal data and aggregated statistical information as described above.

International transfer of personal data

Due to our international and global business operations, we may need to transfer personal information to other companies in our group, or third parties based in other countries, for reasons directed in this policy. In such cases, we will ensure that your personal data is protected accordingly as required by the Norwegian Personal Data Act.

Any sensitive personal data will not be transferred out of the EU/EEA without you being informed of the transfer in advance and given your consent.

Third Party Websites

We are not responsible for the content, security or information collection practices of any third party websites, including those linked from our website. You should carefully read the privacy policies of each website you visit to understand how they collect, use, and share information.

Your rights

In accordance with personal data legislation, you are entitled to:

  • Receive a copy of the personal data we hold about you, together with other information about how we process it;
  • Request rectification of inaccurate information and, in some cases, ask us to delete or restrict our use of your information, and otherwise object to our processing of your information for direct marketing purposes, or for reasons affecting your particular situation;
  • Object to the processing of your personal data;
  • Request modification of your personal data;
  • Request erasure of your personal data;
  • Receive a copy or have a copy transferred to another company (moving data) (in a machine-readable format) of personal data that you have provided to us, when we can process it electronically with your permission or it is necessary for the performance of the agreement with you. Such data may be transferred to another data controller (such as another insurer);
  • Complain about how we process your information to the Data Inspectorate. More information about the procedure can be found here: datatilsynet.no; and
  • At any time withdraw any authorisation you have given in relation to the processing of your personal data. This includes your permission to receive direct marketing communications.

Please note that there are certain limitations and exceptions to these rights that we may apply depending on the circumstances.

Contact us

If you have any questions about this Privacy Policy or wish to exercise your rights:

Data Protection officer
Adresse AXA Partners – Credit & Lifestyle Protection Attn: Janne Viitamaki, PB 588, Skøyen 0214 Oslo
Email Clp.no.dataprivacy@partners.axa

Changes to this Policy

We encourage you to check this Policy periodically to stay informed of any changes. Although we reserve the right to change or extend this policy, on this website we will notify you of any major changes for a period of at least 30 days after the change.

Last Updated 21.11.2022

 

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