Data security and protection of your privacy is important to us.
In order to provide the contractual services, we need to use personal data of the insured. Data is collected, stored and used to process applications and contracts as well as settle insurance claims, assess the risk to be insured, review the obligation to pay out insurance benefits and, in the interest of all insurance clients, prevent insurance fraud. This can only be accomplished with the help of electronic data processing.
When processing your personal data, elipsLife strictly adheres to the respective applicable national regulations in the field of data protection and the General Data Protection Regulation. elipsLife observes the following principles:
1. Collection, processing and use of data
1.1 General principles
We collect, use and employ your personal data:
- for the assigned purpose, i.e. elipsLife processes only data necessary for performing the statutory or contractually agreed tasks. elipsLife stores confidential data only for as long as necessary for achieving the intended purpose or for an additional period specified by law.
- confidentially, i.e. confidential data is used solely for purposes that are specified at the time of collection, obvious from the circumstances or provided by law. Our employees are obliged to secrecy, compliance with the Liechtenstein Data Protection Act and to preservation of the Liechtenstein insurance secrecy. Confidential data is disclosed to authorised governmental institutions and authorities solely within the limits provided by law. Information that might require disclosure to third parties is disclosed only with your express consent.
1.2. Product application
In conjunction with your application, you entrust us with information necessary for processing the application and contract as well as settling insurance claims. For this purpose, elipsLife needs your consent. It governs handling of your personal data in a manner that is transparent.
If you obtained advice from a broker, they will submit the application for insurance to us along with the appropriate personal data. As long as your broker is your designated adviser, we will also disclose information regarding your contract while it is in effect.
1.4. Cooperation with third parties
For specific tasks, we cooperate with external service providers. These tasks include, for example:
- Printing and sending out contract documents
- Scanning correspondence (front scanning)
- Tasks related to the purpose of paying out benefits
- Data storage
These tasks can be performed by other elipsLife Group companies or service providers, a step that might include processing of health data. We keep a list of all elipsLife companies and service providers that collect and use data for us in accordance with an agreement. You can find them below.
2.1. Data collection
You can move around anonymously on our website. As a general rule, elipsLife does not collect any data here. If we do, it will be obvious to you.
elipsLife uses what is known as cookies to make its website as user-friendly as possible.
Cookies are small dimension text files that the Website sends to your device where they are stored and subsequently are sent back to the same Website at the next access. Cookies can either be of first party (installed directly by elipsLife) or of third party. Cookies allow you a user-friendly browsing through our websites. Generally, it is possible to globally block cookies nevertheless this would affect the functionality of the Website. All most recent browsers allow to modify the settings on cookies. Usually you may find them in the "menu" of your browser, clicking on "options" or "preferences". To understand how to set these preferences, you can have a look to the following links:
Google Chrome [https://support.google.com/chrome/answer/95647?co=GENIE.Platform=Desktop&hl=it]
Mozilla Firefox [https://support.mozilla.org/it/kb/Attivare e disattivare i cookie]
Internet Explorer [http://windows.microsoft.com/it-it/internet-explorer/delete-manage-cookies#ie=ie-11-win-7]
To have more information on how to manage cookies through other browsers, it is advisable to have a look to online help file. If this information is not sufficient please see the "Help" section of your browser to have more details.
The Website uses the following cookies strictly necessary to the functionality of the Website itself. They are:
Session Cookies are used in order to ensure the regular operation of the website. Session Cookies are stored only temporarily during a browsing session and are deleted from the user’s device when the browser is closed.
2.3. Collection of access data and IP addresses
When visiting our website, our web server routinely stores technical data such as your Internet protocol address (IP address), the operating system used, the browser you use, as well as the date and duration of your visit. Personal data is not stored unless you provide it to us voluntarily, for instance when using the online premium calculator. Technical data is stored on secured systems and separate from personal information. No deductions will be made regarding individual persons.
2.4. Open access and closed user groups
As a user of the Internet, you have unrestricted access to all public elipsLife websites. Access to specific areas is reserved for users with special authorisation. Reasons for such access are applications for clients and brokers and other closed user groups.
3. E-mail traffic
Unencrypted transfer of data via e-mail is not secure or appropriate for the exchange of personal data and other confidential information. If you disclose confidential data via e-mail without the proper preventive measures, elipsLife cannot rule out that unauthorised third parties access this information and as a result collect, use or falsify the data without your consent. If you nevertheless contact elipsLife via unencrypted e-mail, we assume that you expressly wish to communicate with us in this way. In this case you agree that we are permitted to respond to you via unencrypted e-mail in turn or send the information requested.
4. Data security
elipsLife takes reasonable technical and organisational measures to protect your data reliably from loss, destruction, falsification, manipulation, illicit copies, unauthorised access or other data processing in contravention of the law. Nevertheless, there is a possibility that data are lost or intercepted and/or manipulated by unauthorised parties during transmission. Your computer or mobile device is located outside the secured area that can be controlled by elipsLife. For this reason elipsLife cannot assume any responsibility whatsoever for data security or data protection during transmission via the Internet. As the user, you are responsible for obtaining information about the safety precautions required and taking the appropriate measures. elipsLife ensures protection of your data as of the time said data arrives in our system.
5. Right to information and revocation
At your request, we inform you in writing whether your personal data is stored with us and if it is, the type of personal data. If there is incorrect data despite our efforts to store only correct and current data, we will correct such incorrect data at your request.
6. Questions about data protection/ways to contact us
If you have questions about the explanations regarding data protection, you may call the Data Protection Contact Person of elipsLife; the Data Protection Contact Person is also your contact for information requests, suggestions or complaints.
Elips Life Ltd, Irish branch office
College Park House, Nassau Street
Telephone: +353 (0) 196 10 140
Fax: +353 (0) 196 10 149