Terms of Service and Privacy Policy
Ecoc.pl Terms of Service
The ecoc.pl website is an online platform created to provide Website Users with access to insurance service offers in the areas of property and personal insurance, operating in accordance with these Terms and Conditions and generally applicable laws. Europejskie Centrum ObsĆugi CudzoziemcĂłw sp. z o.o.
The ECOC.pl website is an online platform created to provide Website Users with access to insurance service offers in the areas of property and personal insurance through the Website owned by Net Technology sp. z o.o. It provides Users with free access to the Websiteâs resources related to the insurance market.
§ 1. Definitions
The terms used in these Terms and Conditions have the meanings set forth below:
European Center for Services to Foreigners, LLC.
The ECOC.pl website is an online platform created to provide Website Users with access to insurance service offers in the areas of property and personal insurance, Service Provider â Europejskie Centrum ObsĆugi CudzoziemcĂłw sp. z o.o.
with its registered office in Warsaw, at ul. Ćukowska 2, entered in the Register of Entrepreneurs of the National Court Register maintained by the District Court for the Capital City of Warsaw, 14th Commercial Division of the National Court Register, under KRS number: 0000975692, Tax Identification Number (NIP): 1133060941, Statistical Identification Number (REGON): 522225189, share capital: 50,000 PLN, fully paid-up.
European Center for Services to Foreigners, Ltd. is an insurance agent entered in the register of insurance intermediaries maintained by the supervisory authorityâthe Polish Financial Supervision Authority, with its registered office in Warsaw at Plac PowstaĆcĂłw Warszawy 1, 00-950.
Net Technology sp. z o.o. â the entity responsible for managing the Website and ensuring its smooth operation, i.e., Net Technology sp. z o.o., with its registered office in Warsaw, 8 Olszewska St., entered in the Register of Entrepreneurs maintained by the District Court for the Capital City of Warsaw, 13th Commercial Division of the National Court Register, under KRS number: 0000402491, NIP: 5213623383, REGON: 145897963, share capital: 100,000 PLN, fully paid-up.
User â a natural person with full legal capacity, a legal entity, or an organizational unit without legal personality to which the law grants legal capacity, who uses the resources and services made available on the Website or through the Call Center.
Website â an online portal located at the following web address: .
The Website is an online platform that brings together various types of online services, enabling Users to access the Websiteâs resources related to the insurance market, as well as providing Users with other services electronically, including the conclusion of insurance contracts.
Call Center â a telephone service operated by the Administrator, the Service Provider, or an insurance company.
Call Center Consultant â an employee of the Data Controller, Service Provider, or insurance company who works in the call center.
Transaction pages â pages on the Website that contain forms enabling users to enter into insurance contracts remotely, make payments on an ongoing basis using payment cards, and execute electronic transfers immediately.
Agency services â services provided by employees of Europejskie Centrum ObsĆugi CudzoziemcĂłw sp. z o.o.
The ECOC.pl website is an online platform created to provide Website Users with access to insurance service offers in the areas of property and personal insurance, European Center for Services to Foreigners, LLC, acting on behalf of an insurance company, facilitates the conclusion of an insurance contract between the User and the insurance company of the Userâs choice, specifically involving the performance of preparatory activities for the conclusion of an insurance contract and participation in the management and execution of insurance contracts, within the scope and under the terms set forth in the Act on Insurance Brokerage.
Services â enabling the User to compare insurance offers through the Website, as well as the agency activities referred to in section 8 above, with respect to concluding insurance contracts through the Website or the Call Center and making insurance premium payments using payment cards or bank transfers.
Insurance company â an entity engaged in the provision of insurance services in accordance with applicable law, on behalf of which, based on a power of attorney, the Service Provider performs agency activities; Information about the insurance companies on behalf of which the Service Provider performs agency activities is available on the Website and in the Register of Insurance Agents, accessible on the Polish Financial Supervision Authorityâs website at https://au.knf.gov.pl/Au_online/faces/Info.xhtml.
Policyholder â A User who enters into an insurance contract using the Websiteâs transaction pages.
Insuredâa natural person, a legal entity, or an organizational unit without legal personality on whose behalf an insurance contract is entered into.
Insurance policy â a document confirming the conclusion of an insurance contract.
Insurance Contract â an insurance contract concluded between the Policyholder and an insurance company of the Policyholderâs choice, covering mandatory or voluntary motor vehicle insurance.
Uodo â Act of August 29, 1997, on the Protection of Personal Data (consolidated text: Journal of Laws of 2002, No. 101, Item 926, as amended).
UĆude â Act of July 18, 2002, on the Provision of Electronic Services (Journal of Laws No. 144, Item 1204, as amended).
Uuo â Act of May 22, 2003, on Compulsory Insurance, the Insurance Guarantee Fund, and the Polish Motor Insurersâ Bureau (Journal of Laws No. 124, item 1152, as amended).
Civil Code (KC) â Act of April 23, 1964, Civil Code (Journal of Laws No. 16, Item 93, as amended).
GTC â General Terms and Conditions of Insurance, on the basis of which an insurance contract is concluded for voluntary insurance; the GTC are made available free of charge through the Transaction Pages in a format that allows them to be downloaded, saved, viewed, and printed.
Privacy Policy â a document that forms an integral part of the Terms of Service, setting forth the rules for the collection, processing, storage, and protection of the Userâs personal data, the function and purpose of the software implemented in the information and communications technology system used by the User, and the risks associated with using the Service.
§ 2. Preliminary Provisions
These Terms and Conditions have been drafted and are in effect in accordance with applicable Polish law.
These terms and conditions govern the operation of the ecoc.pl website, located at the following web address: .
These Terms of Service set forth the rights and obligations of the Websiteâs Users, as well as the rights, obligations, and scope of liability of the Service Provider as the entity providing Services through the Website.
These Terms and Conditions define the type, scope, and conditions for the provision of Services through the Website, which is used by the Service Provider pursuant to the relevant agreements, and through the Call Center.
Each User is required to review the Terms of Service before beginning to use the Services available through the Website. By using the Website, the User accepts all provisions of the Terms of Service and agrees to comply with them, thereby entering into an agreement with the Service Provider for the provision of electronic services.
In order to use the Services, each User consents to the processing of their personal data to the extent and under the terms set forth in the Privacy Policy or to the extent and under the terms set forth in Article 23 of the Personal Data Protection Act.
In connection with its activities as an insurance agent, the Service Provider is required to adhere to the âPrinciples of Good Insurance Practicesâ adopted by the Polish Chamber of Insurance, the text of which is available on the Polish Chamber of Insuranceâs website at: http://piu.org.pl/zasady-dobrych-praktyk/project/132/pagination/1.
In matters not covered by these Terms and Conditions for the Provision of Electronic Services, and in particular with regard to the submission of declarations of intent in electronic form, the provisions of the Civil Code (Journal of Laws of 1964, No. 16, item 93, as amended), the Act of July 18, 2002, on the Provision of Electronic Services (Journal of Laws of 2002, No. 144, item 1204, as amended), the Act of August 29, 1997, on the Protection of Personal Data (Journal of Laws of 2002, No. 101, item 926, as amended), the Act of May 22, 2003, on Insurance Activities (Journal of Laws of 2010, No. 11, item 66), The Act of May 22, 2003, on Insurance Brokerage (Journal of Laws No. 124, item 1154, as amendedâhereinafter referred to as the âAct on Insurance Brokerageâ), the Act of May 30, 2014, on Consumer Rights (Journal of Laws of 2014, item 827), and other applicable legal acts.
§ 3. Conclusion and Termination of a Contract for the Provision of Services by Electronic Means
These Terms and Conditions, including the Privacy Policy, constitute an integral part of the agreement entered into by Europejskie Centrum ObsĆugi CudzoziemcĂłw sp. z o.o.
To begin using the Services provided on the Website, available at www.ecoc.pl must be preceded by full acceptance of the provisions of these Terms of Service, including the Privacy Policy, which entails the conclusion of a contract for the provision of these Services electronically without the need to draw up a separate contract. The agreement for the provision of services electronically is in effect for as long as the User uses the Websiteâs resources.
Subject to paragraph 3 below, the agreement for the provision of Services by electronic means is automatically terminated without the need for any additional notices upon the Userâs departure from the Websiteâs pages, on which the Service is made available, or upon the Userâs termination of the conversation with the Call Center Consultant.
If the User has submitted an application to enter into an Insurance Contract and subsequently entered into an Insurance Contract through the Website, the contract for the provision of the Service shall terminate no later than upon termination of the Insurance Contract, which occurs in the cases and under the terms specified in the General Terms and Conditions of the selected insurance company for voluntary insurance, and in the Compulsory Insurance Act for compulsory insurance referred to in that Act, including third-party liability insurance for motor vehicle owners.
The user has the right to withdraw from a contract for the provision of electronic services within 14 days of the date the contract was concluded, without providing any reason.
The deadline for withdrawing from the contract expires 14 days after the date the contract was entered into.
To exercise the right to withdraw from the contract, the User must notify the Service Provider of their decision to withdraw from the contract by means of an unambiguous statement sent in writing to the address: ul. Ćukowska 2, 04-113 Warsaw, or via email to [email protected].
The user may use the model withdrawal form included as Appendix 1 to the Terms and Conditions, but this is not mandatory.
To meet the deadline for withdrawing from the contract, the User need only send notice of their intention to exercise their right to withdraw from the contract before the withdrawal period expires.
§ 4. Communication Between the Service Provider and the User
Communication between the Service Provider and the User regarding the Services provided takes place:
by posting via the website www.ecoc.pl's statementmessages sent by the Service Provider to Users;
by phone â for Users who access the Services through the Call Center;
via email, using the email address provided by the User and the following email address of the Administrator:
[email protected]
or the Service Provider's email address:
[email protected].
In addition, the User may also contact the Service Provider by:
by sending a letter to the mailing address of Net Technology sp. z o.o.: 2 Ćukowska St., 04-113 Warsaw,
by sending an email to:
[email protected]
or through the dedicated contact form,
by calling the following phone number: 22 299 77 77,
by indicating this preference by checking the "Contact Me" box on the Call Center page
in person at the Service Provider's office, at the address specified in section a.
If the User uses the contact method specified in paragraph 2, the Service Provider may respond, as appropriate under the circumstances:
by sending a reply to the received correspondence to the sender's address,
by phone through the Call Center,
in person through their representative,
via email to the email address provided by the User.
§ 5. General Rules for the Provision of Services by Electronic Means
Electronic services provided through the Website are available at all times, i.e., 24 hours a day, 7 days a week; however, in the case of the Call Center, they are available during the business hours of the insurance companies or the Service Provider.
The User incurs no costs other than the call charge for using the Website to compare insurance quotes, or for the presentation of insurance quotes by a Call Center Consultant.
If an insurance contract is concluded through the Website or the Call Center, the User is responsible for the cost of the policy, in accordance with the insurance offer the User has accepted.
Interruptions in the normal operation of the Website and the Call Center may occur due to technical reasons, in particular those resulting from the need to repair or maintain the Website or the systems supporting the Call Center, as well as those related to the need to create backup copies or process collected data. Users will be notified of any such interruptions via a message displayed on the Website.
The Service Provider does not guarantee the proper functioning of the Website if the User employs hardware and software that do not meet the technical requirements specified in the Terms of Service. Service provision may also be interrupted in the event of poor connection quality, damage to or defects in telecommunications equipment, power supply systems, computer hardware, a telecommunications network failure, or power outages, a connection interruption during a transaction, or any action by third parties during a transaction.
The Service Provider has the right to block access to the Website if it detects any irregularities in the use of the Website, in particular circumstances that could expose the User, the Service Provider, or the Insurance Company to harm. The Service Provider shall not be liable for any temporary suspension of access to the Website for the period necessary to eliminate the identified threats or irregularities.
Any actions that could hinder or destabilize the operation of the Website are prohibited. If a User is suspected of engaging in such actions,
The European Center for Services to Foreigners, Ltd. has the right to take appropriate action, including remedying the consequences of such actions. Any actions by the User intended to destabilize the Website constitute a prohibited act under applicable law. In such a situation, the Administrator is entitled to take appropriate measures, including those aimed at remedying the damage suffered by the Administrator.
The User is also prohibited from submitting unlawful or offensive content to the Website or the Call Center, as well as from taking any actions that violate these Terms of Service or that may cause disruption or damage to the Website. The Service Provider shall not be liable for the Userâs use of the Website or Call Center services in a manner that violates the provisions of these Terms and Conditions.
The User is required to refrain from any actions that would violate the privacy of other Users, primarily those involving the collection, processing, and dissemination of information about other Users without a legitimate basis for data processing.
The User is required to refrain from any actions that could hinder or disrupt the operation of the Website, as well as from actions that could cause harm to the Administrator, Users, or other parties.
The user is required to abide by the rules of social conduct and the ethical and moral standards accepted by society.
Before beginning to use the Services available through the Website, the User consents to the processing of his or her personal data in accordance with the Privacy Policy.
§ 6. Intellectual Property Rights
The Service Provider declares that the Website contains copyrighted documents, trademarks, and other intangible assets protected by intellectual property rights. The selection and arrangement of the content presented on the Website constitute an independent subject of copyright protection.
When using the Website, the User is required to comply with the provisions governing copyright, rights arising from the registration of industrial designs, and rights relating to trademarks, utility models, and patents for the Service Providerâs inventions, the Administrator, and other entities.
The copyright to the content published on the Website belongs to the Administrator.
The user is prohibited from using any content presented on the Website beyond the scope of personal use. For the avoidance of doubt, any use or distribution of this content beyond the scope of permitted personal use requires the prior consent of the Administrator.
§ 7. Conclusion of an Insurance Contract and Payment of the Insurance Premium
Through the Website or the Call Center, it is possible to enter into an insurance contract between the user and the insurance company, represented by the Service Provider as an insurance agent.
Through the Transaction Pages, the User identifies the Policyholder and the Insured Person(s) and selects the type of insurance, its coverage, and the sum or sums insured. In the case of Call Center services, the User provides the statements referred to in the preceding sentence to the Call Center Consultant.
A condition for entering into the Insurance Contract is that the User correctly provides the personal data of the Policyholder and the Insured Person(s), as well as, if applicable, the persons entitled to receive insurance benefits in the event of the death of the Insured Person(s) (hereinafter referred to as âBeneficiariesâ), as well as the Userâs acceptance of the General Terms and Conditions of Insurance and, subsequently, the amount of the insurance premium.
Before providing the personal data of other individuals in accordance with paragraph 2 above, the user must obtain their consent to the transfer of such data to the Administrator, the Service Provider, and the Insurance Company, and bears full responsibility for the consequences of failing to comply with this obligation. The Administrator and the Service Provider shall not be liable to third parties for the inclusion of their data on the Website if such data was posted on the Website without their knowledge or consent.
The conclusion of an insurance contract is preceded by the calculation of the insurance premium using the transaction pages and the presentation to the User of a summary of the offer, including, in particular, a description of the subject matter of the contract being concluded and its main features, the total cost of purchasing the policy, and its term.
The User may also choose to provide a phone number, email address, or other contact information on the form, requesting that the Call Center contact them. By using this option, the User consents to the transfer of their dataâincluding the data entered on the Websiteâto the Call Center in accordance with the terms set forth in the Privacy Policy.
The insurance contract is concluded when the User selects the âBuy Policyâ option on the Websiteâs transaction page, which includes a summary of the offer and the declarations of intent required to conclude the insurance contract. In the case of Call Center services, the Userâs declaration of acceptance of the Insurance Contract may be made by telephone to a Call Center Consultant.
The due date for payment of the insurance premium is specified in the insurance contract or by the insurance company in accordance with the provisions of the Civil Code.
Within the time limit specified by law, after the Insurance Agreement is concluded, the User will receive a Policy at the email address provided by the User, confirming the conclusion of the Insurance Agreement.
A policyholder who is a consumer may rescind the insurance contract without giving any reason by submitting a written statement to the relevant insurance company within 30 days from the date of conclusion of the contract or from the date on which the Service Provider provided the policyholder with the information referred to in Article 39(1) of the Act of May 30, 2014, on Consumer Rights (Journal of Laws of 2014, Item 827), if that date is later. The deadline is considered met if the notice was sent before its expiration.
The policyholder shall not bear any costs associated with the cancellation, except for the costs referred to in paragraph 12.
If the provision of services begins, with the consent of the Policyholder (who is a consumer), before the deadlines referred to in paragraphs 10 and 11, the Service Provider or the Insurance Company may demand payment of the premium for the period of insurance coverage provided.
In these Terms and Conditions, the provisions of the General Insurance Terms and Conditions (OWU) under which the Insurance Contract is concluded shall apply to the Insurance Contract.
In connection with the conclusion of the Insurance Agreement, the User has the right to file a complaint in accordance with the provisions of §10 of these Terms and Conditions.
§ 8. Technical Conditions for the Provision of Services
In order to properly use the services provided electronically through the Website, the User must have computer hardware and software that meet the following minimum requirements:
Edge version 41 or later, Firefox version 37.0 or later, Chrome version 42.0 or later,
Cookies and JavaScript are enabled
Minimum monitor resolution: 1024Ă768.
For call center services, it is required to have an ICT system that enables making phone calls using tone dialing.
Data submitted via electronic forms on the Website is protected by the Secure Socket Layer (SSL) protocol and encrypted using a 256-bit key based on the TLS 1.2 encryption method.
Cookies are placed on the Userâs computer system after obtaining the Userâs consent.
§ 9. Rules on Liability
The Service Provider is not liable for any information provided by the User on the Website at the address www.ecoc.pls that are incompatible based on the actual facts, incomplete or incorrect data, given the inability to verify such data. The User bears the consequences of entering incorrect data into the calculation form and the policy details.
The Service Provider shall not be liable for any incorrect completion of the Websiteâs forms by the User; in particular, the Service Provider shall not be liable to third parties whose data has been included in the Websiteâs form without their knowledge or consent.
The User is prohibited from providing content that is unlawful, offensive, false, or misleading; content containing viruses; or content that may cause disruption or damage to computer systems. If the Service Provider receives credible information regarding the unlawful nature of data stored and provided by the User, the Service Provider may block access to such data. Neither the Service Provider nor the Administrator shall be liable to the User for any damages resulting from the blocking of access to data containing unlawful content. If the Service Provider receives credible information regarding the unlawful nature of the data, it will notify the User of its intention to block access to the data.
If the Service Provider suffers damage as a result of the User providing the content and data referred to above, the Service Provider shall be entitled to seek compensation in accordance with general principles.
§ 10. Complaint Procedure
Website users have the right to file complaints regarding the Services offered. All complaints concerning the use of the Website and the Call Center should be submitted electronically to the following address:
[email protected]
or by calling the Call Center.
A complaint must include at least the following: the Userâs identification information (including first name, last name, email address, mailing address, and, in the case of legal entities and organizational units without legal personality, the name, mailing address, and contact information of the person authorized to handle matters related to the complaint) and a brief description of the basis for the complaint.
The Service Provider will review the complaint within 30 days of receiving it. If the complaint cannot be reviewed within that time frame, the Service Provider will notify the complainant of the reasons for the delay and the expected date for resolving the complaint.
A response to a complaint is sent to the email address or mailing address provided by the User, if the User requested this when filing the complaint.
§ 11. Final Provisions
The governing law for these Terms and Conditions and for contracts for the provision of electronic services entered into pursuant to them is Polish law.
The court with general jurisdiction shall have jurisdiction to hear disputes arising in connection with the application of these Terms and Conditions or arising in connection with services provided electronically pursuant to them.
Polish is used in communications with the User.
§ 12. Effective Date and Amendments to the Rules and Regulations
These Terms and Conditions took effect on May 9, 2024.
The Service Provider reserves the right to amend these Terms and Conditions. Amendments to these Terms and Conditions shall take effect 14 days after Users are notified of their implementation, subject to paragraph 3.
Any amendment to the Terms of Service is binding on the User unless the User terminates the contract for the provision of electronic services within 14 days of being notified of the changes. Amendments to the Terms and Conditions may not infringe upon any rights acquired by the User under the previous version of the Terms and Conditions.
The User will be notified of any changes to the Terms of Service via email once the updated version of the Terms of Service is posted on the Website.
Privacy Policy
This Privacy Policy is an integral part of the Terms and Conditions, available at:
/terms-and-conditions-and-privacy-policy
The Privacy Policy sets forth the rules for the collection, processing, storage, and protection of the Userâs personal data, as well as the function and purpose of the software installed on the information and communications technology system used by the User.
§ 1. Definitions
The following terms used in this Privacy Policy have the following meanings:
The owner of the ecoc.pl websiteâNet Technology sp. z o.o., with its registered office in Warsaw, 8 Olszewska St., is entered in the Register of Entrepreneurs maintained by the District Court for the Capital City of Warsaw, 13th Commercial Division of the National Court Register, under KRS number: 0000975692, Tax ID (NIP): 1133060941, National Business Registry Number (REGON): 145897963, company share capital: 100,000 PLN, fully paid-up.
Data Controller â pursuant to Article 7(4) of the Personal Data Protection Act (Uodo), the authority, organizational unit, entity, or person referred to in Article 3 of the Uodo, which determines the purposes and means of processing personal data. The controller of the personal data of Website Users is Europejskie Centrum ObsĆugi CudzoziemcĂłw sp. z o.o., with its registered office in Warsaw at ul. Ćukowska 2, entered in the Register of Entrepreneurs maintained by the District Court for the Capital City of Warsaw, 14th Commercial Division of the National Court Register under KRS number: 0000565494, NIP: 5213700480, REGON: 361938815, share capital: 5,000 PLN, fully paid-up, and insurance companies.
The ECOC.pl website is an online platform created to provide Website Users with access to insurance service offers in the areas of property and personal insurance provided by Europejskie Centrum ObsĆugi CudzoziemcĂłw sp. z o.o., with its registered office in Warsaw at ul. Ćukowska 2, entered in the Register of Entrepreneurs maintained by the District Court for the Capital City of Warsaw, 14th Commercial Division of the National Court Register, under KRS number: 0000565494, Tax Identification Number (NIP): 5213700480, National Business Registry Number (REGON): 361938815, company share capital: 5,000 PLN, fully paid-up, and insurance companies.
Service Providers â The owner of the ecoc.pl website and Polisarium sp. z o.o., with its registered office in Warsaw, Ćukowska 2, entered in the Register of Entrepreneurs of the National Court Register maintained by the District Court for the Capital City of Warsaw, 14th Commercial Division of the National Court Register, under KRS number: 0000975692, Tax Identification Number (NIP): 1133060941, National Business Registry Number (REGON): 522225189, companyâs share capital: 50,000 PLN, fully paid-in. European Center for Services to Foreigners, Ltd.
The ECOC.pl website is an online platform created to provide Website Users with access to insurance service offers in the areas of property and personal insurance. European Center for Services to Foreigners, sp. z o.o., with its registered office in Warsaw, at ul. Ćukowska 2, entered in the Register of Entrepreneurs maintained by the District Court for the Capital City of Warsaw, 14th Commercial Division of the National Court Register, under KRS number: 0000565494, Tax Identification Number (NIP): 5213700480, REGON: 361938815, share capital: 5,000 PLN, is an insurance agent entered in the register of insurance intermediaries maintained by the supervisory authorityâthe Polish Financial Supervision Authority, with its registered office in Warsaw,
User â the entity referred to in §1(3) of the âecoc.pl Terms of Service.â.
Website â an online portal located at the following web address: www.ecoc.plban online platform that brings together various types of online services as described in the âecoc.pl Terms of Service.â .
Partners â entities that collaborate with Service Providers, including advertisers and insurance companies.
Uodo â Act of August 29, 1997, on the Protection of Personal Data (consolidated text: Journal of Laws of 2002, No. 101, Item 926, as amended).
UĆude â Act of July 18, 2002, on the Provision of Electronic Services (Journal of Laws No. 144, Item 1204, as amended).
Uuo â Act of May 22, 2003, on Compulsory Insurance, the Insurance Guarantee Fund, and the Polish Motor Insurersâ Bureau (Journal of Laws No. 124, item 1152, as amended).
Civil Code (KC) â Act of April 23, 1964, Civil Code (Journal of Laws No. 16, Item 93, as amended).
Cookies â text files stored by a web browser on the Userâs computerâs hard drive that contain information enabling the identification of the connection and the proper functioning of the Website. Some cookies may be stored for a predefined period of time (the User has the option to delete them manually), while others are deleted immediately after the User stops using the Website.
§ 2. Personal Information
Usersâ personal data is processed by the Administrator in accordance with the provisions of the Data Protection Act and Chapter 4 of the UĆude, after the User has given consent or after the User has been informed that their personal data is being processed on a basis other than consent.
The Userâs consent to the processing of personal data is granted in order to enable Website Users to access insurance service offers in the area of property and personal insurance, in particular auto insurance, to enter into an insurance contract, as well as for marketing purposes, including advertising, market research, and the analysis of User behavior and preferences, with the results of such research intended to improve the quality of services provided by Service Providers and Partners.
The Administrator processes, on its own behalf, only those personal data of the User that have been provided by the User and that are relevant to the purposes for which they will be processed.
The personal data controller may, on the basis of a contract and in accordance with Article 31(1) of the Personal Data Protection Act, entrust the processing of Usersâ personal data to third parties, in particular the Service Provider.
The personal data controller is authorized to disclose personal data to entities authorized under applicable law.
Pursuant to the authority referred to in the preceding paragraphs, the Personal Data Controller may disclose the Userâs data to the Service Provider for the purpose of entering into an insurance contract.
In connection with its activities as an insurance agent, the Service Provider transfers Usersâ personal dataâobtained for the purpose of performing these activitiesâto the relevant insurance companies.
The personal data controller may, with the Userâs consent, share the Userâs personal data with Partners for marketing purposes.
Providing personal information is voluntary, but failure to do so will prevent the User from using certain features of the Website
In addition, the user has the right to access their data and the right to correct it.
The user has the right to access their data, supplement it, update it, correct it, temporarily or permanently suspend its processing, or have it deleted.
To exercise the rights set forth in paragraph 6, please send a message to the address specified in § 4 of the Terms and Conditions.
By checking the appropriate box, the user may consent to receiving commercial information electronically, in accordance with the Act on the Provision of Services.
If the User enters into an insurance contract pursuant to § 7 of the Terms and Conditions, the Service Provider will require the User to provide personal data, acting on behalf of and for the benefit of the Insurance Company as the controller of such data. The Service Provider shall not be liable for the processing of Usersâ personal data by the Insurance Company; however, if the Insurance Company entrusts the Service Provider with the processing of such data pursuant to Article 31 of the Personal Data Protection Act, the Service Provider shall be liable solely for its own negligence.
§ 3. Commercial Information
With the Userâs consent, commercial communications, as defined in Article 9 of the UĆude, will be sent to the email address or phone number provided by the User.
The commercial information above may come from Service Providers or from Partners, and it may relate to both services provided by Service Providers and services and goods offered by Partners.
Cookie Policy (Use of Cookies)
Last updated: May 22, 2018.
We use cookies to ensure the highest possible quality of service and to tailor our website to your needs.
Cookies (also known as "cookies") are small pieces of information in the form of a short string of characters that we store on your device. Access to these files allows us to identify your device later and customize our websiteâs settings for it. The information stored does not make any configuration changes to your device or software. You can delete them at any time using the appropriate feature in your web browser.
There are different types of cookies. Our website uses âsessionâ and âpersistentâ cookies. âSessionâ cookies are deleted from your computer as soon as you close your web browser. âPersistentâ cookies, on the other hand, will remain on your computer even after you close your browserâthe maximum storage period for each cookie is specified separately.
The cookies we use serve the following purposes:
allow you to customize the appearance and content of the page for each user,
enable the exchange of data between platforms operating within our website,
are used in the user authentication process and help prevent abuse in this regard,
They remember the user's actionsâso when the user leaves the site, they don't have to, for example, fill out forms again,
enable the personalization of ads and marketing communications on our website and in our communications with users,
allow us to target our ads outside of our website, for example, to people who have already visited our site and/or may be potentially interested in our services,
enable the measurement of effectiveness and the evaluation of the results of marketing activities,
collect statistical information about traffic on our website.
Based on the above rules and for the purposes listed, other mechanisms used by our websites also operate, such as localStorage, which works in a manner similar to persistent cookies but can store more information.
Our websites also include scripts from our third-party partners, which may also store data on your device. The mechanisms and storage policies they use may differ from those set forth in our Privacy Policy and Cookie Policy. You can find more information on this topic on the websites of the individual partners. These include, among others:
Google (e.g., advertising and analytics; Google ad settings)
Facebook (e.g., advertising and analytics)
LiveChat
Optimizely
Expert Sender
PushPushGo
Onet
Tradedoubler
Ceneo
InspectLet
NetSales
Tradetracker
Ve-interactive
You can decide whether and which cookies you want to store on your device. You can find more information on this topic on your web browser providerâs website. Below are links to user guides for the most popular browsers:
Chrome
Firefox
Edge
Internet Explorer
Opera
Please also note that disabling or restricting the use of cookies may make it difficult or even impossible to use our website and the services provided on it.
We reserve the right to make changes to this Policy at any time.
