Privacy Policy

Introduction

Saquori S.A. ("we", "our", or "us") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, process, and protect your personal information when you use our website, services, or interact with us in any capacity. We are the data controller for the purposes of the General Data Protection Regulation (GDPR) and Spanish data protection laws.

Data Controller Information

The data controller for your personal information is Saquori S.A., a company registered in Spain with registration number B78294562, VAT number ESB78294543, and registered office at Paseo Marítimo 168, 28559 Madrid, Community of Madrid, Spain.

Data We Collect

The data we collect from you may include personal information that you provide directly to us and information that we collect automatically when you use our website and services. We collect the following types of personal data:

• Contact Information: Name, email address, phone number, postal address
• Insurance Information: Policy details, coverage preferences, claims history, risk assessment data
• Financial Information: Payment details, bank account information, premium payment history
• Identification Data: Date of birth, national identification numbers, driving licence details
• Technical Data: IP address, browser type, device information, website usage data
• Communication Data: Records of correspondence, phone calls, and interactions with our customer service team

How We Use Your Information

We use of your data is based on legitimate legal grounds under GDPR. We process your personal information for the following purposes:

• Service Provision: To provide insurance quotes, policies, and related services
• Contract Performance: To manage your insurance policies and process claims
• Risk Assessment: To evaluate insurance risks and determine appropriate coverage and pricing
• Customer Service: To respond to your enquiries and provide customer support
• Legal Compliance: To comply with regulatory requirements and legal obligations
• Fraud Prevention: To detect and prevent fraudulent activities
• Business Operations: To improve our services and develop new products

Cookies and Tracking Technologies

We may use cookies and tracking technologies for analytics, advertising, and remarketing purposes, including Google Ads. These technologies help us measure campaign effectiveness, deliver relevant advertisements, and improve our services. You can manage your cookie preferences at any time through our cookie consent banner. For detailed information about our use of cookies, please refer to our Cookie Policy.

Legal Basis for Processing

Under GDPR, we process your personal data based on the following legal grounds:

• Contract Performance: Processing necessary for the performance of insurance contracts
• Legal Obligation: Compliance with insurance regulations and legal requirements
• Legitimate Interest: Risk assessment, fraud prevention, and business operations
• Consent: For marketing communications and certain cookie usage (where required)

Data Sharing and Disclosure

We may share your personal information with the following categories of recipients:

• Insurance Partners: Underwriters, reinsurers, and other insurance companies
• Service Providers: Third-party companies that provide services on our behalf
• Professional Advisers: Lawyers, accountants, and other professional service providers
• Regulatory Bodies: Insurance regulators and other government authorities when required by law
• Claims Investigators: Loss adjusters, surveyors, and fraud investigation services

Data Retention

We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, including legal, accounting, and reporting requirements. Generally, we retain insurance policy data for seven years after the policy expires, claims data for ten years after settlement, and marketing data until you withdraw consent or for three years if there is no engagement. Some data may be retained longer where required by law or for legitimate business purposes.

International Data Transfers

Your personal data may be transferred to and processed in countries outside the European Economic Area (EEA). Where such transfers occur, we ensure appropriate safeguards are in place, including adequacy decisions, standard contractual clauses, or other approved transfer mechanisms under GDPR.

Your Rights

Under GDPR and Spanish data protection laws, you have the following rights regarding your personal data:

• Right of Access: Request copies of your personal data
• Right to Rectification: Request correction of inaccurate or incomplete data
• Right to Erasure: Request deletion of your personal data in certain circumstances
• Right to Restrict Processing: Request limitation of data processing
• Right to Data Portability: Request transfer of your data to another organisation
• Right to Object: Object to processing based on legitimate interests or for direct marketing
• Right to Withdraw Consent: Withdraw consent for consent-based processing

Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These measures include encryption, access controls, regular security assessments, and staff training. However, no method of transmission over the internet or electronic storage is completely secure.

Contact Information

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us using the following details:

Complaints

If you believe we have not handled your personal data in accordance with this Privacy Policy or applicable law, you have the right to lodge a complaint with the Spanish Data Protection Agency (Agencia Española de Protección de Datos) or your local supervisory authority.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on our website and updating the "last updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.