At DSM Insurances BV, transparency is paramount. With this privacy notice we want to inform you about how we use and share your personal data. This privacy statement is in clear language, to easily understand what data we collect, why, and how we use and protect it.

DSM Insurances BV will always handle your personal data with care. These will be processed in accordance with the requirements of the applicable privacy laws.

For private insurance activities, DSM Insurances BV operates under the tradename DSM Assurantiën.

1. What does this Privacy Notice cover?

This Privacy Notice describes how we process your personal data and applies to claimants or other involved individuals in claims submitted under any DSM global or general insurance programs to the claims handling department of DSM Insurances BV. This Privacy Notice applies for instance, when you submit a luggage claim of your last business trip.

In addition this Privacy Notice applies to any visitors of the DSM Assurantiën website, private insurance clients and private insurance applicants of DSM Assurantiën. This Privacy Notice applies for instance when you visit our website, when you apply for an insurance, are already an established client or if you contact us for information.

In this Privacy Notice, “DSM”, “we”, “us”, “our”, each refers to DSM Insurances BV (or the tradename DSM Assurantiën) located at Het Overloon 1, 6411 TE in Heerlen.

This Privacy Notice only applies to personal data that are processed under the responsibility of DSM Insurances BV. For the processing of your data by a relevant insurance company (as data controller), we refer you to the Privacy notice of such company. This can usually be found on that company's website.

2. What do we mean by personal data?

When we talk about “personal data” we mean any information related to you as an individual. With this data, we could potentially identify you directly (e.g. your name) or indirectly by matching that information with other information we may already hold.

3. What data do we collect from you?

Depending on the insurance policy you have, or on the manner you come in contact with us, the data that we collect and process from you can include:

• Your contact details, such as name, e-mail address, address, place of residence and (mobile) telephone number.
• Your bank account number.
• Your policy number, and details of the insurer with which the policy is placed.
• Information about insured items, such as the construction type of your home, the estimated value of your household and personal effects or the license registration number and weight of your vehicle.
• Information about your claim or claim report, such as, for example, the extent of the damage, the date of the damage, assessments of damage by (medical) experts, assessment of the incident causing the damage and other parties involved.
• The content of your communication with DSM Insurances BV, for example when you contact us by e-mail, telephone or post.

4. Why do we use your data?

We use your personal data for one or more of the following purposes:

• To realize and execute insurance agreements and insurance contracts;
• To execute your request for information or advice or to connect with one of our professionals;
• To send you information about our (new) products or services, including regular newsletters;
• To develop and improve our products and our services;
• To collect insurance premium
• To handle insurance claims and to arrange for the settlement of the claim with our business or with our customers by payment in cash or in kind.
• To meet statutory or other legal requirements, including the disclosure of personal data to government institutions or supervisory authorities, and to exercise or defend legal claims.

These purposes are in line with the Binding Corporate Rules on Privacy for Employee Data.

5. On what legal basis?

For the activities described before, DSM Insurances BV processes your personal data on the following basis;

• Our legitimate business interest;
• To enter into an agreement with you and to manage that contract, policy and claim;
• To comply with law and legal obligations; and/or
• Your free, specific and informed consent.

6. Who has access to your personal data?

Access within DSM

Within DSM Insurances BV, your personal data will only be accessed by those employees who need the data to carry out their jobs in line with the purposes of collection.

Access by other companies

We may also share certain personal data outside of DSM Insurances BV and if we do, we will also take technical and organizational measures, if necessary, to ensure that your data is only processed for said purposes and under confidentiality obligations.

Examples of this are:

• IT & Security, Software and Hosting Providers for the provision of services such as hosting, customer service, functional and database management, mail and e-mail delivery and correspondence, such as CCS and Postex.
• Background services such as automatic building rebuild value assessments such as Infofolio.
• Sharing of data with insurance providers and any expert or other professional that is enlisted by the insurance provider.

Please note that we do not sell your personal information to third parties.

7. Transfer of your personal data

Unless otherwise stated, DSM Insurances BV processes your personal data within the European Union.

8. How long do we keep your personal data?

DSM Insurances BV stores your personal data for as long as it is necessary or permitted in accordance with the purposes for which personal data was obtained as described above in  this Privacy Notice.

For private insurances, DSM Insurances BV keeps your data for maximum of 10 years after your last interaction with us.

For claims submitted under any DSM global or general insurance programs to the claims handling department of DSM Insurances BV, you must consider that your data can be stored longer (longer than 20 years) because of lenghty limitation periods of insurance claims. If we keep specific data longer, we will do so to be compliant with legal obligations.

9.  How do we ensure the security of your data?

DSM Insurances BV handles your personal data with the utmost care. We have taken various technical and organizational measures to protect your personal data against loss, alteration, unauthorized disclosure or misuse. We protect our systems in accordance with the applicable security measures from information security standards. In addition, we ensure that these measures comply with applicable data protection and data security laws.

10. What are your data protection rights?

Your rights include the right to access, modify or delete your personal information (unless required by law to retain the information). To exercise any of these rights, please email: dsm.privacy@dsm.com. When exercising your rights, the more specific you are, the better we can help you with your request.

If you are concerned about the way DSM Insurances BV handles your data, please contact us and we will investigate your question. Please also note that you have the right to lodge a complaint against DSM Insurances BV with a supervisory authority that is authorized for your country or region.

11. Your responsibilities

Please note that you are responsible for the information you provide to DSM. We trust it to be truthful, current and in no way misleading.

12. How do you contact us about this privacy statement?

If you have a question about the use of your personal data by DSM or about this privacy statement, we invite you to send an email to dsm.privacy@dsm.com.