Legal

Legal

Regional restrictions

Unless explicitly stated otherwise, the information here described address corporate customers domiciled in Italy. Products are mainly sold through specialized insurance brokers.

Your satisfaction with our services is important for us!

We therefore take your suggestions, comments and complaints very seriously. The quickest way to address any concerns is to contact your relationship manager or usual contact person.

How to file complaints and resolve disputes

 

  • To the insurance Company

    For any complaint relating to the Insurance contract, the complainant may apply directly in writing (by post, fax or e-mail) to the Company's Complaints Department:

    Elips Life Ltd.
    (Complaints Office)
    Via San Prospero, 1 - 20121 Milan, Italy
    Fax: +39 02 82 958909
    e-mail: erpynzv@crp.ryvcfyvsr.pbz

    specifying in writing and in detail the reasons and facts invoked. The Company will reply to the complainant within and no later than 45 (forty-five) days from receipt of the complaint.

     

  • To IVASS (italian Authority)

    If the complainant is not satisfied with the outcome of the complaint or if no response is received within 45 days, the complainant may write to:

    IVASS - Consumer Protection Service
    Via del Quirinale, 21 - 00187 Rome.
    The complaint must be sent to IVASS by post or by fax to 06.42.133.206.
    The complaint may also be submitted via PEC to the certified email address ghgryn.pbafhzngber@crp.vinff.vg.
    The following complaint form can be used: http://www.ivass.it/ivass_cms/docs/F2180/Allegato2_Guida ai reclami.pdf
    Info on: www.ivass.it.

     

  • To FMA (Liechtenstein Authority)

    Complaints that may be addressed to IVASS, may also be addressed to the Supervisory Authority of the Company's country of origin (Liechtenstein),  namely, in accordance with its provisions, to the
    Financial Market Authority (FMA) of Liechtenstein
    Landstrasse 109, Postfach 279
    9490 Vaduz, Liechtenstein
    Phone +423 236 7373 - Fax +423 236 7374 - Email: vasb@szn-yv.yv

Please note that in the event that the complaint is not or only partially upheld, the right to appeal to the Judicial Authorities shall remain unaffected.

Before going to Court, alternative dispute resolution systems may be used:

  • Mediation: by contacting a Mediation Body among those listed by the Ministry of Justice, which can be consulted at www.giustizia.it (Law 9/8/2013, no. 98).
  • Assisted Negotiation: By requesting your lawyer to the company.
  • Other alternative dispute resolution systems: For the resolution of cross-border disputes, the complaint may be submitted directly to the competent foreign system, i.e. the system of the country in which the insurance company that issued the contract is based (which can be found by accessing the website http://www.ec.europa.eu/fin-net) or to IVASS, which will forward it to the system and inform the complainant.

 

Privacy Policy

This privacy policy explains how elipsLife collects, processes and shares your personal information. It also explains your data protection rights.

Updates to this policy will be published on our website or are available on request.

Unless stated otherwise, in this policy “elipsLife”, “we” and “us” mean these companies registered in Liechtenstein.

  • Elips Life Ltd
  • Elips Insurance Ltd

For the purposes of data protection legislation, each company above is a data controller of your personal information and is in the Swiss Re Group (Swiss Re Ltd, headquartered in Switzerland and its subsidiaries)

This policy does not cover how organisations other than elipsLife such as your intermediary use your personal information. We recommend reading the privacy policy on their website or asking them how they use your information. We do not accept responsibility for the ways in which such organisations outside of the Swiss Re Group use your personal information.

This website is to provide information and support to our Distribution Partners and commercial partners.

What information we collect when you use our website?

We may collect:

  • Your contact details like name, address, telephone number, e-mail address
  • Information you may give us when contacting us
  • If you accept cookies – please see Cookie Policy

Cookies, web tracking and similar technologies

  • When you use our website we automatically collect information such as your IP address (the unique address identifying your device from all the others on the internet), what type of device you are using (e.g. a tablet, phone or PC) and cookies from your device.
  • Our website contains web technologies that collect information from your movements around our website and the data you enter. We use this information to improve the design of our website and the service we offer to you by improving customer journey.
  • Cookies are used to compile anonymous website usage statistics, for fraud prevention and to measure the effectiveness of our services.
  • For more information about cookies and web tracking please check our Cookie Policy

For what purpose we use your information?

We and our selected third parties collect and use your information to meet our legal obligations, and for the following legitimate business purposes:

  • communicate with you about products you own or services you use
  • detect or prevent fraud and other crimes
  • verify your identity when you contact us or use our services
  • ask for your views on our services
  • carry out statistical analysis, develop and improve products and services we offer
  • operate, test and secure our IT systems, offices and facilities
  • maintain our accounts and records
  • investigate and resolve complaints and respond to enquiries

We keep the amount of information collected and the extent of any processing to the minimum to meet these legitimate business purposes.

Who do we share your information with?

We will only share your personal information when necessary with:

  • other companies in the Swiss Re Group, or companies affiliated to us
  • associated companies including Reinsurance companies, and our other suppliers and service providers (for the service they provide to us)

Your Data Protection Rights

Under data protection legislation you have the right to:

  • ask us for a copy of your information via a Subject Access Request
  • have inaccurate or incomplete personal data we hold about you rectified and for access to it to be restricted until we do – this prevents it from being changed or further processed
  • have personal data about you erased when we no longer need it for the purposes for which it is held, or when we are required to do so by law
  • ask us to restrict the use of your data, if you require it for the establishment, exercise or defence of legal claims
  • withdraw your consent to the use of your personal data for marketing purposes
  • to object at any time to the processing of your data, even if such processing is necessary for the performance of a public interest or a legitimate interest of ours
  • obtain and reuse your personal data for your own purposes across different providers
  • withdraw your consent, at any time, for any reason, to processing you have previously consented to, unless laws or regulations permit us to continue such processing

If you have any concerns regarding our processing of your personal information or your data protection rights, please contact us. If you have raised a concern with us and it has not been resolved to your satisfaction, you have the right to report your concern to your local Data Protection Authority (DPA), a list of DPAs in Europe can be found on the website of the European Data Protection Board (EDPB)

Data Transfer

We may transfer your data outside of the EU. Where data is transferred out side of EU we have technical and organisational safeguards in place. These safeguards include, information security measures, standard contractual clauses which have been adopted or approved by the EU or other solutions that meet the requirements of European data protection laws to ensure that your personal data is protected appropriately.

How long your information is kept?

We keep your information only for as long as is necessary to meet the purposes for which it was collected and to comply with our legal and regulatory obligations as set out by various regulators..

Automated decision making and Profiling

We do not profile and make any automated decision for the users of our website.

Further Information

To exercise your data protection rights or to find out more about how we use your information please contact us:

Contacts

Elips Life Ltd
Elips Insurance Ltd

Email: pbzcyvnapr@ryvcfyvsr.pbz

 

Cookie Policy

Imprint

Responsible for the content:

Elips Life Ltd, sede secondaria italiana

Via San Prospero 1 - 20121 Milano - Italy

T: +39 (02) 82 9589 00
Email:
pbagnggb.vg@ryvcfyvsr.pbz
Certified email address: <fcna fglyr="pbybe: #00o6r8;">ryvcfyvsr@crp.ryvcfyvsr.pbz</fcna>
Company Registration Number: MI - 2126819, Camera di Commercio Milano
Fiscal Code/ VAT number: 13733431004

Elips Insurance Ltd, sede secondaria italiana

Via San Prospero 1 - 20121 Milano - Italy

T: +39 (02) 82 9589 00
Email:
pbagnggb.vg@ryvcfyvsr.pbz
Certified email address:
<fcna fglyr="onpxtebhaq: juvgr; pbybe: #00o6r8;">ryvcfnffvphenmvbar@gjgpreg.vg</fcna>
Company Registration Number: MI - 2126837, Camera di Commercio Milano
Fiscal Code/ VAT number: 13735421003

Head of the Italian Branches: Pierluigi Verderosa

Statutory seats:

Elips Life Ltd : Gewerbeweg 15, 9490 Vaduz, Liechtenstein

Legal Form: joint-stock company
Company Registration Number: FL-0002-304.360-5
Registered share capital: CHF 12’400’000.00
Sole shareholder: Swiss Reinsurance Company Ltd, Zurich

Elips Insurance Ltd : Gewerbeweg 15, 9490 Vaduz, Liechtenstein
Legal Form: joint-stock company
Company Registration Number: FL-0002-384.577-7
Registered share capital: CHF 5’000’000.00
Sole shareholder: Elips Life Ltd, Vaduz

Supervisory Authority for Elips Life Ltd. and Elips Insurance Ltd.:
Finanzmarktaufsicht Liechtenstein (FMA)
Landstrasse 109
Postfach 279
9490 Vaduz
Liechtenstein

T: +423 236 73 73
F: +423 236 73 74
Email:
<fcna fglyr="onpxtebhaq: juvgr; pbybe: #00o6r8;">vasb@szn-yv.yv</fcna>