Processing Personal Data
At PSA INSURANCE SOLUTIONS, we respect your privacy. The protection of your personal data (such as your name, email address or telephone number) is therefore of particular importance to us. Our data protection practise complies with the provisions of the Maltese and European Law.
Data processing
PSA INSURANCE SOLUTIONS, as a Data controller, can collect the Users’ Personal Data in order to meet the expectations of the User, in particular through specific forms. This data may be used in connection with the management and execution of the website and your user account, but also for the performance of the Customer Phone service and the Chat function.
In accordance with Maltese and European Law, the Insurer with which you contract, as a Data controller, can collect the Users’ Personal Data in order to meet the expectations of the User, in particular through specific forms via the platform of PSA Insurance Solutions acting as Data Processor. This data may be used in connection with the management and execution of your insurance contract as mentioned in the insurance policy.
Personal data relating to you are, amongst others, Name, Postal address, email address date of birth, ID or passport number, vehicle details, bank details, age and any other information directly linked to your personal identity.
This information may also be subject to:
- Treatments for the commercial management of customers and prospects, unless you oppose it.
- Internal control procedures.
- Specific processing and information to the competent authorities within the framework of the laws and regulations in force and in particular those relating to the fight against money laundering and the financing of terrorism.
- Anti-insurance fraud treatments that may result in a listing of persons at risk of fraud.
The collected data may be transferred or processed to other companies within the group and the named Insurer, only for the purposes mentioned above.
The User, in accordance with Maltese and European Law, has the right to
access, modify, rectify or delete their personal data collected on the Site.
The User can, at any time, object to the
processing of his personal data for legitimate reasons.
To exercise his rights, the Users will send a
registered letter to the manager of the Site to the following address, with a
copy of his identity document: Data
Protection Officer, PSA Insurance, 53, Mib House, Abate Rigord Street Ta'
Xbiex, XBX 1122, Malta, or by sending an email to Psainsurance-privacy@mpsa.com
We do our best to provide you with a
satisfactory answer. If for any reason, we failed to respond to the above
requests, be informed that you have the right to lodge a complaint with the supervisory authority, the Information and Data Protection Commissioner in
Malta.
Website:
https://idpc.org.mt/en/Pages/Home.aspx
The information identified by an asterisk or any
another equivalent process is compulsory for the processing of any application.
Failing this, the application cannot be processed or its processing will be
delayed.
The User’s personal information is stored for a period that cannot exceed 12 years starting from the last communication with the clients or the end of the contract, depending on which event occurs last.
The User is duly informed that, during his/her
visits on the Site, a cookie can be installed automatically on his/her browser.
Cookies are used to analyze the traffic and use
of the Site. Thus, when the User browses the Site, the deposit and the reading
of the cookies make it possible to analyze his/her navigation and to measure
the audience of the Site.
The User can configure his/her browser to refuse and/or delete
cookies.
- Intellectual Property right
This Site and each content of the Site, in particular computer programs and content including Data, text, images, sounds, graphics, files shall remain the full and exclusive property of PSA INSURANCE SOLUTIONS, or any third-party which has granted it intellectual property rights, except for personal data entered by User.
Any total or partial reproduction and/or representation of the Site or any of its content, without the express consent of PSA INSURANCE SOLUTIONS, is prohibited and can constitute an infringement punishable under § 12 and following of the German Copyright Law (UrhG).
The databases on the Site are protected by articles 2 and following of the German Database law. Any qualitative or quantitative extraction or re-use of the contents of these databases could be sanctioned.
Trademarks appearing on the Site are trademarks registered by PSA INSURANCE SOLUTIONS or by third- parties. Any reproduction, imitation or use, total or partial, of these trademarks without the express consent of PSA INSURANCE SOLUTIONS and in violation of prohibitions contained in § 14 of the German law on Trademarks (MarkenG) could be sanctioned.
Other distinctive signs, including corporate names, trade names, brands, domain names reproduced on the Site are the property of PSA INSURANCE SOLUTIONS or third-parties and any reproduction without the express consent of PSA INSURANCE SOLUTIONS could expose its author to liability on the basis of § 14 MarkenG and or § 12 and following of UrhG.
The Site contains hypertext links to other websites. The existence of those links is neither a recommendation nor a validation of these websites and their contents by PSA INSURANCE SOLUTIONS. The content and functioning of these websites shall remain under the sole and entire responsibility of the publisher of the relevant websites. PSA INSURANCE SOLUTIONS shall not be liable for the contents of the websites referred to with hypertext link.
- Modifications
PSA INSURANCE SOLUTIONS reserves the right to modify, complete and/or delete, and more generally, update, all or part of these Terms of Use, at any time. PSA INSURANCE SOLUTIONS commits to inform Users on the first page of the Site if there is an amendment or addition with a significant impact.
If the User continues to use the Site after the addition or modification of the Terms of Use, he irrevocably undertakes to accept the revised or updated Terms of Use.
The User must, therefore, consult them regularly.
- Applicable law and jurisdiction
The Site and its content are governed by German law, subject to the provisions which cannot be derogated by an agreement under the law applicable to the User.
Any dispute related to these Terms of Use will be subject to the exclusive jurisdiction of the German courts.
- Partners
The site is realized in collaboration with:
- Prima Solutions.
- Aqubix Ltd is a web design agency based in Malta.
- Autobiz SA is a Service provider selected by PSA Insurance Solutions to provide Market Value of Vehicles.
- Geonames is a service is licensed under a Creative Commons Attribution 3.0 License. The original page is available at www.geonames.org.
- SEFAS Innovation Inc.
- Teleforwarding, a global company based in the Netherlands, specialised in phone-related services http://www.teleforwarding.com.
-
- My Account area
These Terms of Use set out in details the conditions of use of the customer area. By accessing their customer space, customers may, depending on the contracts they have entered into, consult their documentation and/or make changes to their information and/or manage their insurance contracts and/or declare claims and/or lodge complaints. The User acknowledges having read and accepted without reserve the provisions of these General Terms and Conditions.
Access to the Service
Access to My Account area is reserved for Users who hold a quote and/or an insurance contract purchased via PSA INSURANCE SOLUTIONS.
Access codes
Access to the Online Management Service requires an identification of the User by means of his access codes.
The access codes are composed of:
- Login username.
- The password created by the User.
The Insurer may not respond to an access request or delete access that could have been granted.
In the event of loss or forgetting of the confidential code, the participant has the possibility to ask to receive a new confidential code which will be sent to him by email.
Actions via My Account
Provided that such operations are included in the Insurance policy, the My Account area allows the User to carry out the operations described below.
The User can:
- Consult his/her Insurance Policy (GTCs and Policy schedule)
- View list of quotes
- View details of a quote
- Edit a quote
- View list of policies
- View details of a policy
- Bind a policy
- Request termination of a policy
- Request cancellation of a policy
- Open a claim
- Edit personal information such as email address
- Update password
- Make payments after the due date
PSA Insurance Solutions reserves the right to modify or delete at any time the scope of products, the scope and conditions of online management operations.