Regulations and Privacy Policy

Regulations of the service polisa-obcokrajowca.pl

The service polisa-obcokrajowca.pl is an Internet platform created in order to enable the Users of the Service to access the offer proposals for insurance services in the field of property and personal insurance, operating on the basis of these Regulations in accordance with generally applicable legal regulations. Polisarium sp. z o.o., through the Service owned by Net Technology sp. z o.o., provides the Service's resources concerning the insurance market to the Users free of charge.

§ 1 Definitions

The terms used in the Regulations have the following meanings:

1. Polisarium sp. z o.o. or Service Provider - Polisarium sp. z o.o. with its seat in Warsaw, 8 Olszewska Street, registered in the Register of Entrepreneurs of the National Court Register kept by the District Court for the Capital City of Warsaw, XIII Economic Department of the National Court Register under KRS number: 0000565494, NIP: 5213700480, Regon: 361938815, amount of the company's share capital: PLN 5000, fully paid-up capital. Polisarium sp. z o.o. is an insurance agent entered in the register of insurance intermediaries kept by the supervisory authority - the Polish Financial Supervision Authority with its seat in Warsaw, Plac Powstańców Warszawy 1, 00-950 (entry number in the Register of Agents in the Polish Financial Supervision Authority 11227481/A).
2. Net Technology sp. z o.o. - the entity in charge of managing the Website and maintaining its efficient operation, being at the same time the owner of the domain located at the address: www.polisa-obcokrajowca.pl, i.e. Net Technology sp. z o.o. with its registered seat in Warsaw, 8 Olszewska St., registered in the register of entrepreneurs kept by the District Court for the Capital City of Warsaw, XIII Economic Department of the National Court Register under the KRS number: 0000402491, NIP: 5213623383, Regon: 145897963, the amount of the company's share capital: PLN 100,000, fully paid-up capital.
3. User - a natural person with full legal capacity, a legal person or an organizational unit without legal personality, to which the law grants legal capacity, using the resources and services made available on the Website or by the Call Center.
4. Service - the Internet portal, which is located at the following Internet address: https://www.polisa-obcokrajowca.pl.
   The Service is an Internet platform, which is a compilation of various types of Internet services, enabling Users to use the resources provided on the Service concerning the insurance market, as well as providing other services to Users electronically, including the conclusion of insurance contracts.
5. Call Center - a telephone service operated by the Administrator or Service Provider or Insurance Companies.
6. Call Center Consultant - an employee of the Administrator or Service Provider or Insurance Company operating the Call Center.
7. Transaction pages - the pages of the Service, which contain forms for concluding insurance contracts remotely and for making payments using payment cards on an ongoing basis and making instant electronic transfers.
8. Agency activities - activities performed by employees of Polisarium sp. z o.o. on behalf of an insurance company, consisting in leading to the conclusion of an insurance contract by the User with an insurance company selected by the User, in particular, consisting in the performance of preparatory activities for the conclusion of an insurance contract and participation in the management and execution of insurance contracts, to the extent and in accordance with the rules set forth in the Insurance Agency Act.
9. Services - enabling the User to compare insurance quotes via the Service and the Agency Activities referred to in Section 8 above, in terms of concluding insurance contracts via the Service or Call Center and making insurance premium payments using payment cards or bank transfers.
10. Insurance Company - an entity engaged in the business of providing insurance services in accordance with applicable law, on behalf of which, based on the power of attorney received, the Service Provider performs agency activities; information about the Insurance Companies for which the Service Provider performs agency activities can be found on the Website and in the Register of Insurance Agents, available on the website of the Financial Supervision Commission at https://au.knf.gov.pl/Au_online/faces/Info.xhtml.
11. Policyholder - a User entering into an insurance contract using the Service's Transaction Pages.
12. Insured - a natural person, legal person or unincorporated organizational unit for whose account the insurance contract is concluded.
13. Policy - a document, confirming the conclusion of an insurance contract.
14. Insurance contract - a contract under which the insurer undertakes, within the scope of its business, to provide a specific performance in the event of an accident provided for in the contract, and the policyholder undertakes to pay the premium.
15. Uodo - the Act of August 29, 1997 on the protection of personal data (consolidated text Dz.U. of 2002, No. 101, item 926, as amended).
16. Uśude - the Act of July 18, 2002 on the provision of electronic services (Journal of Laws No. 144, item 1204, as amended).
17. Uuo - the Act of May 22, 2003 on compulsory insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Bureau (Journal of Laws No. 124, item 1152, as amended).
18. KC - the Act of April 23, 1964 Civil Code (Journal of Laws No. 16, item 93, as amended).
19. T&Cs - general terms and conditions of insurance, on the basis of which the Insurance Agreement for voluntary insurance is concluded; the T&Cs are made available free of charge through the Transaction Sites in a form that allows them to be downloaded, recorded, reproduced and printed.
20. Privacy Policy - a document, which is an integral part of the Terms of Service, setting out the rules for the collection, processing, storage and protection of the User's personal data, the function and purpose of the software introduced into the information and communication system used by the User and the risks associated with the use of the Service.

§ 2 Preliminary provisions

1. The Regulations were drawn up and function on the basis of the applicable provisions of Polish law.
2. The subject of the regulation is the conditions of operation of the online portal polisa-obcokrajowca.pl, located at the Internet address https://www.polisa-obcokrajowca.pl.
   The Regulations define the rights and obligations of Site Users, as well as the rights, obligations and responsibilities of the Service Provider as an entity providing Services through the Site.
3. The Regulations set out the type, scope and conditions for the provision of Services through the Website used under the relevant agreements by the Service Provider and through the Call Center.
4. Each User is obliged to become familiar with the content of the Regulations before using the Services available through the Site. The User's use of the Site constitutes acceptance of all provisions of the Regulations and the User's obligation to comply with them, by which he/she enters into an agreement with the Service Provider for the provision of electronic services.
5. Each User, in order to use the Services, agrees to the processing of his/her personal data to the extent and under the terms of the Privacy Policy or to the extent and under the terms of Article 23 of the PDPA.
6. The Service Provider, in connection with its activity as an insurance agent, is obliged to apply the „Principles of Good Insurance Practices”, adopted by the Polish Insurance Association, the content of which is available on the website of the Polish Insurance Association, at: https://piu.org.pl/zasady-dobrych-praktyk/
7. In matters not regulated in these Regulations for the provision of services by electronic means, and in particular for 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 services by electronic means (Journal of Laws of 2002, No. 144, item 1204, as amended), the Act of May 22, 2003 on insurance mediation (Journal of Laws. No. 124, item 1154, as amended. - hereinafter referred to as the „Insurance Intermediation Act”), the Act of May 30, 2014 on Consumer Rights (Journal of Laws of 2014, item 827), and other relevant legislation.
8. Polisarium Ltd. receives, in connection with the proposed conclusion of an insurance contract:
   (a) commission remuneration included in the amount of the insurance premium,
   (b) other type of remuneration.

§ 3 Conclusion and termination of the agreement for the provision of Services by electronic means

1. These Regulations, including the Privacy Policy, are an integral part of the agreement between Polisarium sp. z o.o. and the User on provision of services by electronic means. Commencement of use of the Services made available on the Site available at www.polisa-obcokrajowca.pl must be preceded by full acceptance of the provisions of these Regulations, including the Privacy Policy, which involves the conclusion of an agreement for electronic provision of these Services without the need to draw up a separate agreement. The agreement for electronic provision of services is concluded for the duration of the User's use of the Website's resources.
2. Subject to paragraph 3 below, the agreement for the provision of Services by electronic means shall automatically terminate without the need to make any additional representations as soon as the User leaves the pages of the Site where the Service is made available or as soon as the User terminates the conversation with the Call Center Consultant.
3. If the User submitted an application for an Insurance Contract and then concluded an Insurance Contract through the Service - the Service Contract shall be terminated at the latest upon termination of the Insurance Contract, which shall take place in the cases and according to the rules specified in the T&Cs of the selected Insurance Company in the case of voluntary insurance and the Law on Compulsory Insurance in the case of compulsory insurance referred to in this Law, including third party motor vehicle liability insurance.
4. The user has the right to withdraw from the contract for the provision of electronic services within 14 days from the date of conclusion of the contract without giving any reason.
5. The deadline for withdrawal from the contract expires after 14 days from the date of conclusion of the contract.
6. In order to exercise the right to withdraw from the contract, the User must inform the Service Provider of his/her decision to withdraw from the contract by an unequivocal statement sent in writing to the address: 8 Olszewska Street, 01-360 Warsaw, or by e-mail to pomoc@polisa-obcokrajowca.pl.
7. The user may use the model withdrawal form, attached as Appendix 1 to the Regulations, but it is not mandatory.
8. In order to comply with the withdrawal period, it is sufficient for the User to send information regarding the exercise of his/her right of withdrawal before the expiry of the withdrawal period.

§ 4 Communication of the Service Provider with the User

1. Communication between the Service Provider and the User with regard to the Services provided shall take place:

1. by posting through the website www.polisa-obcokrajowca.pl messages directed by the Service Provider to Users;
2. By telephone - with respect to Users who use the Services through the Call Center;
3. by e-mail, using the e-mail address indicated by the User and the following e-mail address of the Administrator:
   admin@polisa-obcokrajowca.pl
   or the Service Provider's email address:
   pomoc@polisa-obcokrajowca.pl.

2. In addition, the User may also contact the Service Provider:

1. directing the letter to the correspondence address of Net Technology sp. z o.o.: 8 Olszewska St., 00-792 Warsaw,
2. By sending an email to:
   pomoc@polisa-obcokrajowca.pl
   Or through a dedicated contact form,
3.  by calling at: 22 299 33 33,
4. expressing such a wish by indicating a request for contact from the Call Center
5. in person at the offices of the Service Provider, at the address indicated in item a.

3. If the User uses the form of contact indicated in paragraph 2, the Service Provider may respond as appropriate:

1. by sending a reply to the received correspondence to the sender's address,
2. By telephone through the Call Center,
3. In person by its representative,
4. via e-mail to the e-mail address indicated by the User.

§ 5 General principles of providing Services by electronic means

1. Electronic services using the Website are provided at all times, i.e. 24 hours a day, 7 days a week, and in the case of the Call Center on the dates and hours of operation of the Insurance Companies or the Service Provider.
2. For the use of the Service for comparing insurance quotes, as well as for the presentation of insurance quotes by the Call Center Consultant, the User shall not incur any costs other than the call fee.
3. If you conclude an Insurance Contract through the Service or the Call Center, you shall bear the cost of the policy, in accordance with the insurance offer accepted by you.
4. The proper operation of the Service and the Call Center may be interrupted for technical reasons, in particular due to the necessity of its repair or maintenance of the Service or the systems supporting the Call Center, as well as those related to the need to create security copies or process the collected data. Users will be notified of any interruption by displaying an appropriate message on the Website.
5. The Service Provider does not guarantee the correct functioning of the Service if the User uses hardware and software that does not meet the technical requirements specified in the Regulations. Provision of the Service may also be interrupted in the event of inadequate connection quality, damage or defects in telecommunications equipment, power systems, computer equipment, failure of the telecommunications network or power outages, interruption of the connection during the transaction or any action of third parties during the transaction.
6. The Service Provider has the right to block access to the Site, in case of irregularities in the use of the Site, in particular the occurrence of circumstances that could expose the User, the Service Provider or the Insurance Company to harm. The Service Provider shall not be liable for temporary suspension of access to the Site for the period of time necessary to remove the hazards or irregularities that have occurred.
7. Activities that may hinder or destabilize the operation of the Website are unacceptable. In case of suspicion of admitting such actions by the User, Polisarium sp. z o.o. has the right to take appropriate actions, including removal of effects of such actions. User's actions consisting in an attempt to destabilize the Service constitute a prohibited act under the applicable law. In such a situation, the Administrator is entitled to take appropriate actions, including those aimed at remedying the damage suffered.
8. It is also prohibited for the User to provide unlawful or offensive content to the Site or Call Center, as well as to undertake actions contrary to the Regulations or that may cause disruption or damage to the Site. The Service Provider shall not be liable for the User's use of the Site or Call Center services in a manner contrary to the provisions of the Regulations.
9. The User is obliged to refrain from any activities that would violate the privacy of other Users, primarily involving the collection, processing and dissemination of information about other Users without legitimizing the premise of data processing.
10. The User is obliged to refrain from any actions that could hinder or interfere with the functioning of the Service and actions to the detriment of the Administrator, Users and other entities.
11. The user is obliged to observe the rules of social coexistence and the ethical and moral norms accepted in society.
12. Before using the Services available through the Website, the User agrees to the processing of his/her personal data, as stated in the Privacy Policy.

§ 6 Intellectual property rights

1. The Service Provider declares that the Site contains documents protected by copyright, trademarks and other intangible assets which are the subject of intellectual property rights protection. The selection and arrangement of the content presented in the Service adopted in the Service constitutes an independent subject of copyright protection.
2. In using the Service, the User is obliged to comply with the provisions of copyright and rights under registration of industrial designs and protection rights to trademarks, utility models and rights under patents to inventions of the Service Provider, the Administrator and other entities.
3. Copyright to resources published on the Website belongs to the Administrator.
4. The User is obliged not to use any content presented on the Website outside the scope of his/her own personal use. For the avoidance of any doubt, the use and disposal of such content beyond the scope of permitted personal use requires the prior consent of the Administrator.

§ 7 Conclusion of the insurance contract and payment of the insurance premium

1. Through the Service or Call Center, it is possible to conclude an Insurance Contract between the user and the insurance company represented by the Service Provider as an insurance agent.
2. The User, through the Transaction Sites, indicates the Policyholder and the Insured(s) and selects the type of insurance, its coverage and the sum or sums insured. In the case of Call Center services, the User submits the statements referred to in the preceding sentence to the Call Center Consultant.
3. The condition for the conclusion of the Insurance Agreement is that the User correctly indicates the personal data of the Policyholder and the Insured(s) and the persons, if any, entitled to receive insurance benefits in the event of the death of the Insured(s) (hereinafter referred to as „Beneficiaries”), as well as acceptance of the T&Cs and then the amount of the insurance premium.
4. The User, before indicating the data of other persons in accordance with paragraph 2, above, should obtain their consent to provide data to the Administrator, Service Provider and Insurance Company, and shall bear full responsibility for the consequences of failure to do so. The Administrator and the Service Provider shall not be liable to third parties for the fact that their data have been posted on the Site without their knowledge and consent.
5. The conclusion of the 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, the indication of the subject of the contract to be concluded and its main features, the total cost of purchasing the policy and its duration.
6. The User may also use the option of providing a telephone number, email address or other form of contact within the form, with a request for contact from the Call Center. If the User uses such an option, he/she agrees that his/her data, including the data entered as part of the Service, may be transferred to the Call Center under the terms and conditions more broadly defined within the Privacy Policy.
7. The Insurance Agreement is concluded by the User selecting the „Save and Pay” option located on the Service's Transaction Page, which includes a summary of the offer and statements of intent required to conclude the Insurance Agreement. In the case of Call Center services, the User's declaration of intent to enter into the Insurance Agreement may be made by telephone to a Call Center Consultant.
8. The deadline for payment of the insurance premium is specified in the insurance contract or by the insurance company under the terms of the Civil Code.
9. Within the timeframe stipulated by the regulations, after the conclusion of the Insurance Agreement, the User will receive a Policy to the e-mail address indicated by him/her, confirming the conclusion of the Insurance Agreement.
10. The Policyholder, who is a consumer, may withdraw from the Insurance Agreement without stating reasons by submitting a statement to the relevant Insurance Company in writing, within 30 days from the date of conclusion of the Agreement or from the date of transmission to him/her by the Service Provider of the information referred to in Article 39 (1) of the Consumer Rights Act of May 30, 2014 (Journal of Laws of 2014, item 827), if it is later. The deadline is considered to have been met if the statement was sent before its expiration.
11. The Policyholder shall not bear the costs associated with the withdrawal, except for the costs referred to in paragraph 12.
12. In the case of service provision commenced with the consent of the Policyholder, who is a consumer, before the expiration of the time limits 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.
13. In these Terms and Conditions, the provisions of the T&Cs under which the Insurance Contract is concluded shall apply to the Insurance Contract.
14. 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 Regulations.

§ 8 Technical conditions for the provision of services

1. In order to properly use the services provided electronically through the Website, the User should have computer hardware and software that meets the following minimum requirements:

1. Edge browser version at least 41, Firefox version at least 37.0, Chrome version at least 42.0,
2. Cookies and JavaScript enabled
3. Minimum monitor resolution of 1024×768.
4. for Call Center services, it is required to have a telecommunications system that allows telephone calls with tone dialing.

2. Data sent using electronic forms within the Service is protected by the use of Secure Socket Layer (SSL), encrypted with a key length of 256 bits based on the TLS 1.2 encryption method.
3. Cookies are entered into the information and communication system used by the User, after obtaining the User's approval.

§ 9 Liability rules

1. The Service Provider shall not be liable for the User's provision, on the Website at www.polisa-obcokrajowca.pl, of inconsistent, incomplete and incorrect data, in view of the impossibility of their verification. The consequences of completing the calculation form and policy data by the User with incorrect data shall be borne by the User.
2. The Service Provider shall not be liable for incorrect completion of the Site forms by the User, and in particular shall not be liable to any third party whose data was included in the Site form without their knowledge and consent.
3. It is forbidden for the User to provide content of an unlawful, offensive nature, content that is false or misleading, content that contains viruses or content that may cause disruption or damage to computer systems. If the Service Provider receives credible information about the unlawful nature of the stored data provided by the User, the Service Provider may prevent access to such data. Neither the Service Provider nor the Administrator shall be liable to the User for any damage caused by preventing access to data with unlawful content. If the Service Provider obtains credible knowledge of the unlawful nature of the data, it will notify the User of its intention to prevent access to the data.
4. In the event that the Service Provider suffers damage as a result of the User's provision of the content and data referred to above, the Service Provider will be entitled to seek compensation on general principles.

§ 10 Complaint procedure

1. The User of the Site has the right to file complaints regarding the Services offered. All complaints regarding the use of the Service and the Call Center should be submitted by e-mail to:
   pomoc@polisa-obcokrajowca.pl
   Or by phone at the Call Center number.
2. The complaint should contain at least: the User's designation (including name, surname, e-mail address, mailing address, and in the case of legal persons and organizational units without legal personality, name, mailing address and data of the person authorized to conduct matters related to the complaint) and a concise presentation of the basis of the complaint.
3. The Service Provider will consider the complaint within 30 days of its receipt. If the complaint cannot be considered within this period, the Service Provider will notify the complainant of the reasons for the delay and the expected date for consideration of the complaint.
4. The response to the complaint is sent to the e-mail or mailing address indicated by the User, if so requested by the User when submitting the complaint.

§ 11 Final provisions

1. The law applicable to the Regulations and to contracts for the provision of services by electronic means concluded on the basis thereof shall be Polish law.
2. The court of general jurisdiction for disputes arising in connection with the application of the Regulations or arising in connection with the electronic services provided on the basis thereof shall be the court of general jurisdiction.
3. The Polish language is used in relations with the User.

§ 12 Entry into force and amendments to the Regulations

1. The regulations entered into force on 09.05.2018.
2. The Service Provider reserves the right to amend the Regulations. Amendments to the Regulations shall come into force within 14 days of informing the Users about their introduction, subject to paragraph 3.
3. An amendment to the Regulations is binding on the User, if the User does not terminate the agreement on provision of Services by electronic means within 14 days from the date of notification of the amendments. An amendment to the Terms of Service may not violate any rights acquired by the User on the basis of the previous wording of the Terms of Service.
4. Any change to the Terms and Conditions will be communicated to the User by e-mail with the posting of the Terms and Conditions in their current wording on the Website.

Privacy Policy

This Privacy Policy is an integral part of the Terms and Conditions, available at:
https://www.polisa-obcokrajowca.pl/polityka-prywatnosci
The Privacy Policy sets out the rules for the collection, processing, storage and protection of the User's personal data, as well as the function and purpose of the software entered into the information and communication system used by the User.

Entities included in the portal polisa-obcokrajowca.pl

Your personal data will be processed jointly by the administrators Polisarium sp. z o.o. and Net Technology sp. z o.o. with its registered office at: 8 Olszewska Street, 00-792 Warsaw (hereinafter referred to as polisa-obcokrajowca.pl). If you have any questions or concerns, you may contact us by mail or the following forms of contact:

phone: +48 22 299 33 33

e-mail: kontakt@polisa-obcokrajowca.pl

Providing data necessary for the preparation of an offer.

Any information about you that we collect with the help of our site, you give us voluntarily. However, it may happen that without providing certain data we will not be able to provide you with certain services. We will inform you of any such situation when you fill out individual forms.

Access to the data submitted by the user.

The following may also have access to the data we process: individuals we employ, entities that organize marketing activities and campaigns on our behalf, entities that perform analytical services for us, software development, telephone customer service, accounting, human resources and payroll, legal, tax, auditing, etc., postal and courier companies, providers of cloud storage space, providers of services involving mailing and telecommunications campaigns, and providers of email services and other tools that enable communication with us.

Depending on the service you use, we may also share your data with other parties. Please see the relevant section below for details.

Transferring data abroad.

Polisa-obcokrajowca.pl will not process your personal data outside the European Economic Area (EU countries, Iceland, Norway and Liechtenstein), where strict privacy regulations apply.

However, it may be that data is transferred outside the EEA by entities that process personal data on our behalf such as providers of: email, cloud storage space, mailing services, etc. We will make every effort to ensure that such data flows take place in accordance with the law.

User's rights.

At any time you have the right to request access to the personal data we process about you. In addition, you can request that we correct or delete information about you, as well as restrict the processing of your data. If you have objections to the data processing carried out by us, you have the right to lodge a complaint with the President of the Office for Personal Data Protection.

In addition, you may be entitled to additional entitlements under specific services. For more information, see below when describing a specific service.

Automatic decision-making by policy-foreigner.co.uk

Some of our services involve the use of automated decision-making techniques.

They are used primarily in insurance comparison sites - the data you enter is sent to the servers of insurance companies, where the operations necessary for estimating insurance risks and calculating premiums are carried out.

At the same time, we would like to inform you that we have no influence on the processes that take place on the side of insurance companies. You will find information about this in the respective privacy policies of insurance companies and other entities, such as those offering medical services. These include, among others:

Towarzystwo Ubezpieczeń i Reasekuracji Allianz Polska SA
AXA Ubezpieczenia Towarzystwo Ubezpieczeń i Reasekuracji SA
Aviva Towarzystwo Ubezpieczeń Ogólnych SA
BENEFIA Insurance Ltd.
Compensa Towarzystwo Ubezpieczeń SA Vienna Insurance Group
Sopockie Towarzystwo Ubezpieczeń ERGO Hestia SA
Generali Towarzystwo Ubezpieczeń SA (owner of the Proama brand)
Wiener Towarzystwo Ubezpieczeń Spółka Akcyjna Vienna Insurance Group
InterRisk Towarzystwo Ubezpieczeń SA Vienna Insurance Group
Link4 Towarzystwo Ubezpieczeń SA
Powszechny Zakład Ubezpieczeń SA (PZU SA)
SIGNAL IDUNA Polska Towarzystwo Ubezpieczeń SA
WARTA Insurance and Reinsurance Company SA
Europ Assistance Polska sp. z o.o.
UNIQA Towarzystwo Ubezpieczeń SA

In addition, the data you enter may be processed by us in order to adjust the type, form and content of the communication we send to you, or about the lack thereof.

Types of communication used

Depending on the contact information you have provided (e-mail address and/or telephone number) and the consents you have accepted where you have provided this information, we may contact you, for example in connection with: operating a particular service (e.g. insurance comparison engine), answering questions, complaints, research, soliciting opinions, self-marketing of our products and services, sending commercial information polisa-obcokrajowca.pl and if you give additional consent also commercial information from our Partners.

The basis for processing is your freely given consent, which you can withdraw at any time.

We will process the data used to communicate with you until you withdraw your consent to receive messages. However, the law may - in certain situations - direct us to process your data longer.

Additional information

Any changes to this privacy policy will be promptly posted on this page. To the extent possible, we will also notify you of changes using the means of contact you have provided to us when using particular services.

Insurance comparison sites

We collect the data that we collect with the help of insurance comparison engines in order to provide you with the service of presenting you with a compilation of insurance quotes. We are authorized to do so by your voluntary consent, which you can revoke at any time. After completing the form, your data may be transferred to insurance companies cooperating with us, and these companies may additionally, for the purpose of insurance risk assessment, transfer them to, for example, the Insurance Guarantee Fund, and other entities, such as medical service providers - without this it would not be possible to calculate the premium. As part of the service, you have the rights listed above, as well as the right to data portability.

We will also store the information collected with the help of the comparison engines in order to carry out, among other things, a reminder service based on our legitimate interest in direct marketing of our own products. As part of this service, based on the data you provide in the insurance comparison engine, we may remind you of an upcoming insurance expiration date for both the current and subsequent years and encourage you to use our comparison engine again, which, for your convenience, may be pre-filled with the data you entered during a previous visit to our site, and we may provide you with insurance tips. If you do not wish to use this service, you can object to the processing at any time. In order to find the most favorable insurance offer for you and after your consent, your data may also be transferred to insurance multiagencies cooperating with us, which may offer you additional insurance offers.

Data collected with the help of insurance comparison engines will be processed until you withdraw your consent, file an objection as mentioned in the paragraph above, or until it is no longer possible to direct claims by or against us in connection with the service provided. However, the law may - in certain situations - direct us to process your data longer.

Request a free phone call

In some places on our site, there are boxes that encourage you to request a free phone call. The phone numbers collected with them will be processed for the purpose of contacting you on the basis of your voluntary consent, which you can revoke at any time. In a situation where we are unable to establish a telephone conversation with you, you will be informed by other forms of contact, such as SMS.

Sometimes the data collected in the course of the conversation will be transferred to other entities - such as insurance companies, if the purpose of the conversation is to compare insurance offers. You will be informed about any such transfer by our consultant.

All calls made through the hotline, both ours and those of entities providing customer service telephone services for us, are recorded. We do this on the basis of our legitimate interest, more specifically, to protect against possible claims and fraud and to improve the quality of our services and the way we serve our customers. Such recordings will be retained until such time as it is no longer possible to direct claims by or against us relating to the services provided in the call. However, the law may - in certain situations - direct us to process data for longer.