Legal Notices

Both the presentation and the content of this website is the property of Baloise Vie Luxembourg S.A. 

It comes within the scope of the Luxembourg Law of 18 April 2001 on copyright, the related rights, and databases. 

In accordance with these legal provisions, no formal registration procedure is required to obtain copyright protection. Indeed, copyright arises simply from the creation of the work (here, this website). Creators therefore acquire automatically the rights to their works, enabling them to control their subsequent use by third parties.

The rights attached to this site are reserved and may not under any circumstances be granted without the Company’s express prior consent. 

Thus, any reproduction of the site without prior written authorisation from Baloise Vie Luxembourg is prohibited, whatever its subsequent use. 

In the event of non-compliance with these provisions, the offender may be subject to civil and criminal proceedings and the Company reserves the right to sue for damages and interest. 

This website is not in any way an advertising communication. It is not addressed by the Company to customers or potential customers for the purpose of selling its products. This is an information site which is neither an offer nor a solicitation of any kind. 

The applicable law is the law of Luxembourg. Any legal proceedings in connection with this site shall come within the exclusive jurisdiction of the courts of the Grand Duchy of Luxembourg.

The contents of the site are the sole responsibility of their respective authors. Baloise Vie Luxembourg S.A. may not be held directly or indirectly responsible for the comments made or opinions expressed on this site.

In particular, any content from third parties (not related to the Baloise Group in any way) is not the responsibility of Baloise Vie Luxembourg S.A. but is strictly the responsibility of the person who wrote it. 

As publisher of the said content, Baloise Vie Luxembourg S.A. is only obliged to check that it is lawful and that it complies with the rules of public order and morality but not the accuracy of the said information. 

This may also be the case for hypertext links to other websites which have no link with Baloise Vie Luxembourg S.A. 

Baloise Vie Luxembourg S.A. gives no guarantee concerning the accessibility, accuracy, reliability, updating or content of any of the web pages it makes available. In this regard, Baloise Vie Luxembourg S.A. does not incur any liability. Your access to the third-party websites linked to our site is at your own risk.

You are currently connected to the website www.life-insurance360.com owned by the insurance company Baloise Vie Luxembourg S.A., which has endeavoured to comply with all legislation concerning the creation and operation of a website.

Use of the site is subject to these present conditions (General Conditions of Use, Disclaimer and Data Protection). Everyone who accesses the site to consult information on it declares that they accept without reservation all the General Conditions of Use, and that they use the site and the contents made available to them in compliance with these General Conditions of Use.

Baloise Vie Luxembourg S.A. is registered in the Luxembourg Trade and Companies Register under number B 54 686, registration number 1996 2205 790 and VAT number LU 16 74 29 20, with registered office at 8, rue du Château d'Eau, L-3364 Leudelange. Approved by the Ministry of Finance of the Government of Luxembourg as an insurance company for the following Life branches: I, II, III, III, VI, VII

Its supervisory authority is the

Commissariat aux Assurances (the Luxembourg Insurance Commissioner)

11, Rue Robert Stumper

L-"%%/ Luxembourg

Grand Duchy of Luxembourg

Telephone:

Fax: (+352) 22 69 11 - 1

(+352) 22 69 10

(+352) 22 69 11 - 444

Website: https://www.caa.lu/

1. Server log files

Baloise collects data on access to the website. These are the server log files. They are part of the access data:

• the name of the website visited,
• the name of the file,
• the date and time of the consultation,
• the volume of data transmitted,
• notification of successful consultation,
• the type and version of the browser,
• the user's operating system,
• the last web address visited (referrer URL),
• the IP address and the requesting access provider.

Baloise only uses log file data for statistical evaluations and for operational purposes to ensure the security of our IT systems and to optimise websites in accordance with Art. 6, para. 1(f) of the General Data Protection Regulation (“GDPR”), so that you always have a safe and trouble-free user experience. Baloise reserves the right to check data in the log files, after the fact, in the event of justified suspicions, based on concrete evidence, of unlawful use. Server log files are deleted after a period of 30 days.

2. Contact form and e-mail

If you contact us using the contact form, your details will be entered to process the request, and in the event of any additional questions. We seek your consent and refer to this privacy statement as part of the data processing procedure. Your data is processed on the basis of Art. 6 Para. 1(a) of the GDPR. You have the right to withdraw your consent at any time. The withdrawal of consent does not affect the legitimacy of the processing carried out by virtue of your consent until it is withdrawn.

The processing of data during the contact by e-mail is based on Art. 6, para. 1(f) of the GDPR. Your personal data is only used to process the initial contact. We also have a legitimate interest in the processing of the data.
If contact by e-mail is made with the intention of entering into a contract, Art. 6, para. 1(b) of the GDPR is also the basis for this processing.

3. Newsletter

You can subscribe to our newsletter on Baloise's websites. When you subscribe to the newsletter, the data you provide (title, surname, first name and e-mail address) are transmitted to us from the input mask. We then send you a confirmation email to verify your consent (double-opt-in process). Your data is processed on the basis of Art. 6 Para. 1(a) of the GDPR. The data you have provided in connection with the newsletter subscription may be transmitted between the companies of our group in order to provide you with personalised and targeted advertising.

You have the right to withdraw your consent at any time. If you no longer wish to receive our newsletter, you can unsubscribe via the link in the newsletter in question. The withdrawal of consent does not affect the legitimacy of the processing carried out by virtue of your consent until it is withdrawn.

4. Cookies

Cookies are small text files which enable specific information about the device on your access terminal (PC, smartphone, etc.) to be stored. This information might be about you, your preferences or your device. Many websites use cookies to collect statistical data about the usage of the website. We as Baloise use Cookies to make our website user friendly and effective. Cookies help us ensuring the proper functioning of the website as well as analyzing the website usage to provide you with content tailored to you. If you do not want this at all of if you would like to restrict the cookies set, you have the possibility to adapt your cookie settings here.

We use cookies on our websites. Our Cookie Policy gives you additional information about our cookies and the Cookie Preference Center enables you to set your cookies in accordance with your needs.

We should also like to draw your attention to the fact that you can also set cookies individually in your browser settings. If you block all cookies, this website, and other websites, may no longer be displayed correctly. If you want a complete and current overview of all third-party access to your internet browser, we recommend that you instal a browser plugin created for this purpose. You can also configure your computer to be informed automatically when a cookie is sent. Alternatively, you can disable all cookies. To do this, you must change the browser settings on each browser and device you use. Each browser has small differences. We therefore invite you to consult the help menu on your browser to find out how to modify your cookies. If you disable your cookies, you may lose access to many features which make pages and applications more efficient, and some of our services may no longer work.

5. Integration of third-party services and content

As part of our online offering, our site partly incorporates third-party content, such as YouTube videos, Google Maps, RSS feeds or graphics from other websites. This always assumes that the providers of such content (hereinafter referred to as “Third Party Providers") receive your IP address. Without this IP address, Third Party Providers cannot send content to your browser. We only include this content on our website to provide you with useful information or to facilitate a process for you without further processing. For this reason, the legal basis for this data processing is Article 6 paragraph 1(f) of the GDPR. Our legitimate interest consists in being able to offer you this content as a service. In addition, some services are only activated in the manner explained above if you actively select them. In such cases, the data processing is based on Art. 6 para. 1(a) of the GDPR. If you do not wish to benefit from such content, you may make the corresponding settings in your browser settings. We make every effort only to use content whose respective providers limit the use of your IP address to the provision of content. However, we cannot exercise any influence if a third-party provider registers your IP address for statistical purposes for example. As and when we receive information, we forward this information to the users.

6. Analysis of user behaviour and other services

6.1. Google Analytics and Tag Manager

On our site, we use Google Analytics and Tag Manager, a web analytics service and related support tool from Google Inc. (“Google”). Google Analytics and Tag Manager use cookies to deliver this service. The information generated by the cookies about the customer's use of the website will generally be transmitted to a Google server in the United States for storage. Anonymity of the IP address is the rule on the Baloise website, which means that your IP address is shortened before it is transmitted to Google. In certain exceptional cases, the full IP address will be transmitted to a Google server in the United States where it will be abbreviated. Google will not link the IP address provided by the customer's browser to other data when Google Analytics is consulted. At our request, Google will use this information, with your consent or for technical reasons, to evaluate the customer's use of the website, to compile reports on activity of the website and to provide the website operator with other services related to website and internet usage. In the case of technically necessary cookies, the legal basis is provided by Art. 6, para. 1(f) of the GDPR. Our legitimate interest is to ensure the best possible functionality of the website. For all other cookies, our processing is based on your consent in the Cookie Preference Center in compliance with Art. 6 para. 1(a) of the GDPR.

The following data may be recorded or analysed anonymously for statistical purposes only:

• the pages visited and the order in which they were consulted;
• the operating system and browser used;
• the date and time when the page was consulted;
• the address of the website previously consulted if you used a direct link to access our site;
• information on its origin.

6.2. Google Places API

On some websites, we use Google Places APIs to make it easier for our users to search for a site and automatically complete the address information. Data collected through a search using Google Places API covered by Google's terms of use. Google processes data on the use of Places by the user. For more information https://developers.google.com/maps/terms?hl=of#section_9.

6.3. Google AdWords Conversion Tracking and Google Remarketing

We use Google AdWords Conversion Tracking and Google Remarketing for advertising purposes.
As part of Google Conversion Tracking, Google Adwords saves a cookie on your computer if you have accessed our website through a Google ad. These cookies are disabled after 30 days and do not identify the user. If you visit certain pages of our websites and the cookie has not yet been disabled, both Google and we may know that you have clicked on the ad and have been transferred to this page. Each Adwords customer receives a different cookie, which is also true for us. It is therefore impossible to track cookies through the websites of Adwords customers. The information collected by conversion tracking cookies is used to compile conversion statistics for Adwords customers. Adwords customers discover the total number of users who clicked on their ad and were then transferred to a page with a conversion tracking tag. However, we do not receive any information which allows users to identify themselves personally. If you do not wish to participate in the tracking process, you can refuse to accept the corresponding cookie, for example by disabling the "Target Cookies” category of cookies in our Cookie Preference Center. The legal basis for our use of Adwords is your consent in accordance with Art. 6, para. 1(a) of the GDPR. As regards Google Remarketing, the cookies, on an anonymous basis, enable your web search behaviour to be known, for marketing purposes. The information acquired is used to match advertising offers to your interests. Under no circumstances do these technologies collect or store personal data to determine your identity. In addition, the DoubleClick by Google cookie (Pixel TAG) is used to enable the re-marketing of products such as AdWords in the Google Display network. Cookies store information such as the date of your visit and information to determine whether this is your first visit, as well as data relating to the website which referred you to this site. You can also set these cookies individually in the Cookie Preference Center.

6.4. DoubleClick by Google

DoubleClick by Google is a service of Google Inc. DoubleClick by Google uses cookies to show you ads which are relevant for you. For this purpose, your browser is assigned a fictitious identification number (ID) to verify which ads have been displayed in your browser and which ones have been viewed. The cookies do not contain any personal information. The use of DoubleClick cookies of Facebook "I like" buttons enables Google and its partner sites to display ads based on previous visits to our website or other sites. The information generated by the cookies is transmitted by Google to a server in the United States for evaluation purposes, and is stored there. Google data will only be transferred to third parties if required by law or in connection with the processing of order data. Under no circumstances will Google merge your data with other data entered by Google. By using our website, you consent to Google processing of data about you, in the manner described above, and the intended purpose of such processing. You can adjust the recording of cookies by making an ad hoc setting in our Cookie Preference Center. Your consent under Art. 6 para. 1(a) of the GDPR also serves as a legal basis for us in such cases.

7. Social media and advertising

Social media cookies enable us to create a link with your social networks and to share content from our pages on social networks. You will find more information in the Cookie Preference Center and the Cookie Policy.

7.1. Facebook Remarketing / Retargeting

The remarketing tags of the Facebook social network, 1601 South California Avenue, Palo Alto, CA 94304, USA, are embedded in our pages. If you visit our pages, a direct relationship is established between your browser and the Facebook server. Facebook is informed that you have visited our page and/or have made a purchase from your IP address. Facebook can then link your visit to our pages, and any purchase you make, to your Facebook user account. We may use the information obtained in this way for the display of Facebook Ads as well as for marketing analysis and/or other targeting measures. We draw your attention to the fact that we do not obtain any information on the content of the data transmitted, or on their use by Facebook. You can find more information about this in Facebook's privacy statement at https://www.facebook.com/about/privacy/. If you do not want any data to be recorded via Custom Audience, you can disable here.

7.2. Twitter

Twitter service buttons are embedded in our pages. These buttons are available from Twitter Inc. 795 Folsom St., Suite 600, San Francisco, CA 94107, USA. They are recognizable by terms such as "Twitter" or "Follow", associated with a stylised blue bird. These buttons enable you to share a contribution or a page on our website, or to follow us on Twitter. If you click on this button, your browser establishes a direct relationship with Twitter's servers. The content of the Twitter buttons is transmitted directly from Twitter to your browser. We draw your attention to the fact which we take no note of the content of the data transmitted nor of their use by Twitter.

You can find more information on this subject in Twitter's privacy statement at the following address http://twitter.com/privacy.

7.3. YouTube

YouTube which is operated by Google Inc. 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA ("YouTube") is embedded on our sites. You can find the link to the YouTube privacy statement here: Information about YouTube data protection.

8. Agreement or Refusal to data collection and saving

By using this website, you agree to the processing of data collected about you in the manner described above and for the stated purpose of such processing.

For objections to the collection and storage of data, please refer to the section "Protection of personal data".

9. Data Security

We remind you that the internet is a global network accessible to all. Sending personal data over the internet is therefore entirely at your own risk.

The personal data you have provided to us is protected by the current security standard using Secure Socket Layer encryption mechanisms. Despite all the technical and organisational security measures taken, it is always possible that data may be lost or intercepted and/or manipulated by unauthorised persons. Baloise takes appropriate technical and organisational security measures to prevent any such incidents within the group's system. As your computer is outside the security perimeter controlled by Baloise, it is therefore your responsibility, as a user, to be aware of the required necessary security precautions and to take the required measures. Baloise accepts no liability for any losses you may suffer as a result of the loss or manipulation of data.

10. Secure Socket Layer (SSL)

Secure Socket Layer (SSL) is a protocol for secure data transmission over the internet. Most browsers support this process. SSL uses the Public Key process, where data encrypted using a publicly accessible key can only be re-decrypted with a specific private key. Most browsers use a key or padlock to indicate whether or not the connection is secure.
 

Personal data may be collected on this website for the creation of a profile account, or for login data, or when filling in the contact form on the website. 

Responsibility

Baloise Vie Luxembourg , 8 Rue du Château d'eau à L 3364 Leudelange, as controller,  is responsible for data processing.

Purpose of data processing

We use your data solely for the purposes we communicated to you when we collected your data, either with your consent, or where processing is necessary for pre-contractual measures or for the performance of the contract, or for purposes of legitimate interest, or because we are obliged to do so by law.
By processing your data, we can manage contracts and claims, improve our products, comply with legal requirements, prevent fraud and offer you products tailored to your needs.

Data transfer

For these purposes, we may transfer your data to other insurance companies (co-insurance), reinsurers, subcontractors or other third parties (medical advisors, insurance intermediaries or other authorized third parties) where necessary.

Where required, we may also receive or share relevant information with government departments, social security bodies or other authorized authorities.
In the case of communicating data to third parties, we will only do so in the cases and in accordance with the terms and conditions set out in Article 300 of the Law of December 7, 2015 on the Insurance Sector, instituting professional secrecy in insurance matters.

Where applicable, we may process your health data with enhanced security, as part of our contract underwriting and management services.

When certain information is required in order to access specific features of the Site, this requirement is indicated when the data is entered. If you refuse to provide obligatory information, you may not be able to access certain of the Site’s services, features or sections.
During this period, this site establishes the organisational, software, legal, technical and physical means to ensure the confidentiality and security of your personal data, in order to prevent damage, deletion or access to them by unauthorized third parties. 
Access to your personal data is strictly limited to employees and agents of Baloise Vie Luxembourg S.A., authorized by reason of their duties, and bound by an obligation of confidentiality. However, the data collected may be communicated to subcontractors contractually responsible for carrying out the tasks necessary for the proper functioning of the website and its services, as well as for the proper management of the relationship with you, without you having to give your consent. You are reminded that, in the course of performing their services, subcontractors have only limited access to your data and have a contractual obligation to use them in accordance with the provisions of applicable legislation on the protection of personal data. Except as set out above, Baloise undertakes not to sell, rent, transfer or give access to your data to third parties without your prior consent, unless required to do so for a legitimate reason (legal obligation, fight against fraud or abuse, exercise of the rights of defence, etc.).

In this respect and in compliance with the provisions of GDPR Regulation 2016/679 on the protection of personal data, you have the right: 

• To access your data
• To request deletion of your data
• To correct your data 
• To restrict the processing of your data
• To request the portability of your personal data

We only keep your data for as long as it is necessary or required by law.
These data protection provisions apply to all websites, services and applications of Baloise, unless specific provisions are included. Our websites may contain links to the websites of other providers, to which this data protection statement does not extend.
For further information, questions or suggestions and complaints, please do not hesitate to contact our Data Protection Officer.

Baloise Vie Luxembourg S.A.
Data Protection Officer
8, rue du Château d'Eau,
L-3364 Leudelange
e-mail : dataprotection@baloise.lu