Data protection
Data Protection Policy of IWS Ltd.
Trust is important, especially when it comes to data. For this reason, we consider it as our duty to gather only those data which are strictly necessary, to manage the data with due care and to protect it against misuse.
IWS Ltd. adheres strictly to the data protection regulations in collection and processing of your data.
Below you will find information on the processing of your data and the rights you have:
Information about data processing (Art. 13 GDPR)
Data protection advice for the processing of data in the context of insurance brokerage contracts / consulting minutes from May 25th, 2018
1. Name and contact details of the person responsible for the data processing
IWS Ltd.
Industriering 14
9491 Ruggell
Liechtenstein
Phone: +423 373 00 81
Fax: +423 373 00 82
Email: office@iws.li
2. Contact details of the data protection officer
IWS Ltd.
Data protection officer
Industriering 14
9491 Ruggell
Liechtenstein
Phone: +423 373 00 81
Fax: +423 373 00 82
Email: office@iws.li
3. Collection and storage of personal data as well as nature and purpose and their use
IWS Ltd. processes your personal data in compliance with the EU General Data Protection Regulation (GDPR), the provisions of the applicable insurance contract laws that are relevant to data protection law, Liechtenstein due diligence legislation and all other relevant laws.
By concluding the insurance brokerage agreement, you instruct IWS Ltd. to advise and intermediate insurance contracts under private insurance law and to represent you in all insurance matters vis-à-vis insurers.
If you submit an application for the conclusion of an insurance contract, the insurers need the information provided by you for assessing the risk, concluding the contract and fulfilling legal obligations.
If the insurance contract is concluded, IWS Ltd. processes this data for the execution of the contractual relationship (e.g. for your support and perception of your interests, notification obligations to authorities, fulfillment of regulatory requirements).
The conclusion or execution of the insurance brokerage contract or the insurance contract is not possible without the processing of your personal data.
IWS Ltd. collects the following data:
to identify you as our customer;
to conclude an insurance brokerage contract and as a consequence of an insurance contract;
for correspondence with you;
to exercise the obligations arising from the insurance brokerage contract and relevant legislation
Your data will be processed on the basis of Art. 6 para. 1 letter b GDPR. Insofar as special categories of personal data for data processing (e.g. health data when an insurance contract is concluded) are required, the processing of your data will be based on Art. 6 para. 1 letter a GDPR and IWS Ltd. obtains your consent in accordance with Art. 9 para. 2 letter a combined with Art. 7 GDPR.
IWS Ltd. also processes your data for the legitimate interests of IWS Ltd. or third parties (Art. 6 para. 1 letter f GDPR). This may be necessary in particular:
Should IWS Ltd. process your personal data for a purpose not mentioned above. IWS Ltd. would inform you in advance in accordance with the legal provisions. The information about this can be found on our homepage http://www.iws.li via the link “data protection declaration”.
4. Recipients or categories of recipients of personal data
Your personal data will be transmitted to:
Should IWS Ltd. transfer of personal data to service providers outside the European Economic Area (EEA), the transfer takes place only if the the EU Commission has confirmed that this country fulfills an adequate level of data protection or other appropriate data protection guarantees (e.g. binding corporate data protection rules or EU standard contract clauses). Should IWS Ltd. transfer personal data to such service providers, you will find detailed information on this and the level of data protection at the service providers in third countries on the homepage of IWS Ltd. http://www.iws.li via the “data protection declaration” link. You can also request the information using the contact information above.
6. Duration of storage of personal data Your data will be collected by IWS Ltd. after the survey stored as long as this is in compliance with the statutory retention periods under Personal and Company Law (PGR), Due Diligence Act (SPG), Tax Act (StG) (The retention periods are up to 10 years) for the respective task performance (documentation, information and advisory obligations ) is required. Also, personal data will be kept for the purposes of securing evidence for the time in which claims against IWS Ltd. could be exercised (statutory limitation period of three or up to thirty years).
7. Automated decision-making or profiling
IWS Ltd. is in charge of establishing and implementing the contractual relationship with you basically none, based solely on automated processing Decision (Art. 22 GDPR). If such decisions are made in individual cases, IWS Ltd. informs. – if there is a corresponding obligation – about it in a separate procedure. On the other hand, you can object in certain circumstances.
For certain purposes, such as due diligence legislation, your data will be processed automatically.
8. Rights of persons
Under the EU General Data Protection Regulation, you have the following rights:
If you have consentent in processing by IWS Ltd. you can revoke this consent at any time for the future. The legality of the data processing carried out on the basis of the consent until the revocation is not affected by this.
10. Right of objection in case of applicability of Art. 6 para 1 letter f GDPR
If your personal data are processed on the basis of legitimate interests pursuant to Art. 6 para. 1 letter f GDPR, you have the right to file an objection against the processing of your personal data in accordance with Art. 21 GDPR, provided that there are grounds for doing so, arising from your particular situation.
If you would like to exercise your right of revocation or objection, please notify them by e – mail to office@iws.li.
11. Right of appeal
You have the option of complaining to the above-mentioned data protection officer or to a data protection supervisory authority. The Liechtenstein Data Protection Inspectorate is:
Datenschutzstelle
Städtle38
P.O. Box 684
9490 Vaduz
Liechtenstein
12. Data exchange with your former insurance broker / insurer
In order to be able to check your information when concluding the insurance brokerage contract or the insurance contract or your details when the insured event occurs, an exchange of personal data with the former insurance broker / insurer named by you in the application can be carried out to the extent required.
13. Dealing with personal data on the internet
IWS. Ltd. indicates that the following information does not apply to linked facilities. If you visit the website of IWS Ltd. in the generally accessible area, IWS Ltd. needs no data from you. IWS Ltd. will only record the name of your internet service provider, the website you are coming from, and the websites you visit at IWS Ltd. visit. The information obtained is evaluated anonymously and is used exclusively for statistical purposes. IWS Ltd. intends with this evaluation, to adapt the Internet appearance to the changing needs. However, please also bear in mind that sending unencrypted e-mails carries the risk that their content on the Internet will not be protected against unauthorized disclosure, falsification, loss, etc. The network and computers of IWS Ltd. are protected by security systems against unauthorized access. All access and access attempts are logged for preventive security. Employees of IWS Ltd. are committed to data protection in accordance with the applicable regulations. Internal applications of IWS Ltd. are only usable by means of access authorization. IWS Ltd. corrects and completes stored data whenever a change becomes known.
Cookies
Cookies are small text files that are stored on the computer of the internet user. The use of cookies is used for dialogue support. The IWS Ltd. used cookies are automatically deleted when leaving the website or in the event of a dialogue break.
Google Analytics
The website of IWS Ltd. uses Google Analytics, a web analytics service provided by Google Inc. (“Google”). Google Analytics uses so-called “cookies”, text files that are stored on your computer and that allow an analysis of the use of the website by you. The information generated by the cookie about your use of this website is usually transmitted to a Google server in the USA and stored there. However, in the event of activation of IP anonymisation on this website, your IP address will be shortened beforehand by Google within member states of the European Union or in other contracting states of the Agreement on the European Economic Area. Only in exceptional cases will the full IP address be sent to a Google server in the US and shortened there. On behalf of the operator of this site is Google
Use this information to evaluate your use of the website, to compile reports on website activity, and to provide other services related to website activity and internet usage to the website operator. The IP address provided by Google Analytics as part of Google Analytics will not be merged with other Google data. You can prevent the storage of cookies by a corresponding setting of your browser software; IWS Ltd. reminds you, however, that in this case you may not be able to use all the functions of this website to the full extent.
In addition, you can prevent the collection of data generated by the cookie and related to your use of the website (including your IP address) to Google and the processing of this data by Google by downloading the browser plug-in available under the following link and to install.
You can prevent the collection by Google Analytics by clicking on the following LINK. An opt-out cookie will be set that will prevent the future collection of your data when you visit this website: disable Google Analytics
For more information about Terms of Use and Privacy, please visit http://www.google.com/analytic… or visit https: //www.google.com/intl/en/…. IWS Ltd. reminds you that on this website Google Analytics has been extended by the code “anonymizeIp” in order to ensure an anonymous collection of IP addresses (so-called IP-Masking).
Anonymized data
Each time a file is requested from the download offer, access data is stored. These are non-personal data. Each record consists of the page from which the file was requested, the name of the file, the date and time of the request, the amount of data transferred, the access status (e.g., file transferred), and a description of the type of web browser used. The stored data will be anonymised and evaluated solely for statistical purposes.
Data Protection Policy of IWS Ltd.
Trust is important, especially when it comes to data. For this reason, we consider it as our duty to gather only those data which are strictly necessary, to manage the data with due care and to protect it against misuse.
IWS Ltd. adheres strictly to the data protection regulations in collection and processing of your data.
Below you will find information on the processing of your data and the rights you have:
Information about data processing (Art. 13 GDPR)
Data protection advice for the processing of data in the context of insurance brokerage contracts / consulting minutes from May 25th, 2018
1. Name and contact details of the person responsible for the data processing
IWS Ltd.
Industriering 14
9491 Ruggell
Liechtenstein
Phone: +423 373 00 81
Fax: +423 373 00 82
Email: office@iws.li
2. Contact details of the data protection officer
IWS Ltd.
Data protection officer
Industriering 14
9491 Ruggell
Liechtenstein
Phone: +423 373 00 81
Fax: +423 373 00 82
Email: office@iws.li
3. Collection and storage of personal data as well as nature and purpose and their use
IWS Ltd. processes your personal data in compliance with the EU General Data Protection Regulation (GDPR), the provisions of the applicable insurance contract laws that are relevant to data protection law, Liechtenstein due diligence legislation and all other relevant laws.
By concluding the insurance brokerage agreement, you instruct IWS Ltd. to advise and intermediate insurance contracts under private insurance law and to represent you in all insurance matters vis-à-vis insurers.
If you submit an application for the conclusion of an insurance contract, the insurers need the information provided by you for assessing the risk, concluding the contract and fulfilling legal obligations.
If the insurance contract is concluded, IWS Ltd. processes this data for the execution of the contractual relationship (e.g. for your support and perception of your interests, notification obligations to authorities, fulfillment of regulatory requirements).
The conclusion or execution of the insurance brokerage contract or the insurance contract is not possible without the processing of your personal data.
IWS Ltd. collects the following data:
- Title, first name, surname, gender, marital status, date of birth, nationality
- Address, email-address, telephone number
- Occupation, employer
- Bank data
- Tax number
- Health data (if required by insurance contract law)
- Information on the income and assets situation and the origin of the assets
to identify you as our customer;
to conclude an insurance brokerage contract and as a consequence of an insurance contract;
for correspondence with you;
to exercise the obligations arising from the insurance brokerage contract and relevant legislation
Your data will be processed on the basis of Art. 6 para. 1 letter b GDPR. Insofar as special categories of personal data for data processing (e.g. health data when an insurance contract is concluded) are required, the processing of your data will be based on Art. 6 para. 1 letter a GDPR and IWS Ltd. obtains your consent in accordance with Art. 9 para. 2 letter a combined with Art. 7 GDPR.
IWS Ltd. also processes your data for the legitimate interests of IWS Ltd. or third parties (Art. 6 para. 1 letter f GDPR). This may be necessary in particular:
- to ensure IT security and IT operations,
- for the prevention and investigation of criminal offenses, in particular we use data analysis
- to detect indications that may indicate insurance fraud,
- Consultation and exchange of data with information points,
- Enforcement of legal claims and representation in litigation,
- Coorporate Governance, Risk Management
Should IWS Ltd. process your personal data for a purpose not mentioned above. IWS Ltd. would inform you in advance in accordance with the legal provisions. The information about this can be found on our homepage http://www.iws.li via the link “data protection declaration”.
4. Recipients or categories of recipients of personal data
Your personal data will be transmitted to:
- Insurers
- Authorities / courts to fulfill legal obligations
- (processor / external service providers): IWS Ltd. partly uses contract processors / external service providers to fulfill contractual and legal obligations. A listing can be found on our homepage http://www.iws.li via the link “data protection declaration”.
Should IWS Ltd. transfer of personal data to service providers outside the European Economic Area (EEA), the transfer takes place only if the the EU Commission has confirmed that this country fulfills an adequate level of data protection or other appropriate data protection guarantees (e.g. binding corporate data protection rules or EU standard contract clauses). Should IWS Ltd. transfer personal data to such service providers, you will find detailed information on this and the level of data protection at the service providers in third countries on the homepage of IWS Ltd. http://www.iws.li via the “data protection declaration” link. You can also request the information using the contact information above.
6. Duration of storage of personal data Your data will be collected by IWS Ltd. after the survey stored as long as this is in compliance with the statutory retention periods under Personal and Company Law (PGR), Due Diligence Act (SPG), Tax Act (StG) (The retention periods are up to 10 years) for the respective task performance (documentation, information and advisory obligations ) is required. Also, personal data will be kept for the purposes of securing evidence for the time in which claims against IWS Ltd. could be exercised (statutory limitation period of three or up to thirty years).
7. Automated decision-making or profiling
IWS Ltd. is in charge of establishing and implementing the contractual relationship with you basically none, based solely on automated processing Decision (Art. 22 GDPR). If such decisions are made in individual cases, IWS Ltd. informs. – if there is a corresponding obligation – about it in a separate procedure. On the other hand, you can object in certain circumstances.
For certain purposes, such as due diligence legislation, your data will be processed automatically.
8. Rights of persons
Under the EU General Data Protection Regulation, you have the following rights:
- To obtain information on the processing purposes, the categories of personal data, the categories of recipients to whom your data was or will be disclosed, the planned retention period, the existence of a right of rectification, erasure, restriction of processing or opposition, the existence of a Complaint right, the source of your data, unless provided by IWS Ltd. the existence of automated decision-making, including profiling and, where relevant, meaningful information on their details,
- To request the notification, completion or deletion of your personal data that is incorrect or not processed in accordance with the law,
- By IWS Ltd. to require the processing of your personal data to be restricted,
- In certain circumstances, to object to the processing of your personal data or to revoke the prior consent for processing,
- Your personal data that you IWS Ltd. have been provided in a structured, common and machine-readable format, or to require transmission to another controller,
- Know and identify the identity of third parties to whom your personal information is transmitted,
- File a complaint with the competent data protection supervisory authority
If you have consentent in processing by IWS Ltd. you can revoke this consent at any time for the future. The legality of the data processing carried out on the basis of the consent until the revocation is not affected by this.
10. Right of objection in case of applicability of Art. 6 para 1 letter f GDPR
If your personal data are processed on the basis of legitimate interests pursuant to Art. 6 para. 1 letter f GDPR, you have the right to file an objection against the processing of your personal data in accordance with Art. 21 GDPR, provided that there are grounds for doing so, arising from your particular situation.
If you would like to exercise your right of revocation or objection, please notify them by e – mail to office@iws.li.
11. Right of appeal
You have the option of complaining to the above-mentioned data protection officer or to a data protection supervisory authority. The Liechtenstein Data Protection Inspectorate is:
Datenschutzstelle
Städtle38
P.O. Box 684
9490 Vaduz
Liechtenstein
12. Data exchange with your former insurance broker / insurer
In order to be able to check your information when concluding the insurance brokerage contract or the insurance contract or your details when the insured event occurs, an exchange of personal data with the former insurance broker / insurer named by you in the application can be carried out to the extent required.
13. Dealing with personal data on the internet
IWS. Ltd. indicates that the following information does not apply to linked facilities. If you visit the website of IWS Ltd. in the generally accessible area, IWS Ltd. needs no data from you. IWS Ltd. will only record the name of your internet service provider, the website you are coming from, and the websites you visit at IWS Ltd. visit. The information obtained is evaluated anonymously and is used exclusively for statistical purposes. IWS Ltd. intends with this evaluation, to adapt the Internet appearance to the changing needs. However, please also bear in mind that sending unencrypted e-mails carries the risk that their content on the Internet will not be protected against unauthorized disclosure, falsification, loss, etc. The network and computers of IWS Ltd. are protected by security systems against unauthorized access. All access and access attempts are logged for preventive security. Employees of IWS Ltd. are committed to data protection in accordance with the applicable regulations. Internal applications of IWS Ltd. are only usable by means of access authorization. IWS Ltd. corrects and completes stored data whenever a change becomes known.
Cookies
Cookies are small text files that are stored on the computer of the internet user. The use of cookies is used for dialogue support. The IWS Ltd. used cookies are automatically deleted when leaving the website or in the event of a dialogue break.
Google Analytics
The website of IWS Ltd. uses Google Analytics, a web analytics service provided by Google Inc. (“Google”). Google Analytics uses so-called “cookies”, text files that are stored on your computer and that allow an analysis of the use of the website by you. The information generated by the cookie about your use of this website is usually transmitted to a Google server in the USA and stored there. However, in the event of activation of IP anonymisation on this website, your IP address will be shortened beforehand by Google within member states of the European Union or in other contracting states of the Agreement on the European Economic Area. Only in exceptional cases will the full IP address be sent to a Google server in the US and shortened there. On behalf of the operator of this site is Google
Use this information to evaluate your use of the website, to compile reports on website activity, and to provide other services related to website activity and internet usage to the website operator. The IP address provided by Google Analytics as part of Google Analytics will not be merged with other Google data. You can prevent the storage of cookies by a corresponding setting of your browser software; IWS Ltd. reminds you, however, that in this case you may not be able to use all the functions of this website to the full extent.
In addition, you can prevent the collection of data generated by the cookie and related to your use of the website (including your IP address) to Google and the processing of this data by Google by downloading the browser plug-in available under the following link and to install.
You can prevent the collection by Google Analytics by clicking on the following LINK. An opt-out cookie will be set that will prevent the future collection of your data when you visit this website: disable Google Analytics
For more information about Terms of Use and Privacy, please visit http://www.google.com/analytic… or visit https: //www.google.com/intl/en/…. IWS Ltd. reminds you that on this website Google Analytics has been extended by the code “anonymizeIp” in order to ensure an anonymous collection of IP addresses (so-called IP-Masking).
Anonymized data
Each time a file is requested from the download offer, access data is stored. These are non-personal data. Each record consists of the page from which the file was requested, the name of the file, the date and time of the request, the amount of data transferred, the access status (e.g., file transferred), and a description of the type of web browser used. The stored data will be anonymised and evaluated solely for statistical purposes.