Introduction

Senior Car Insurance Sweden ("we," "our," or "us") respects your privacy and is committed to protecting your personal data. This privacy policy will inform you about how we look after your personal data when you visit our website and tell you about your privacy rights and how the law protects you.

This privacy policy applies to personal data we collect through our website at seniorcarinsurance-sweden.com, as well as through email, text, and other electronic communications between you and our website.

We comply with the General Data Protection Regulation (GDPR) and Swedish data protection laws. This policy is designed to align with the requirements of these regulations.

1. Information We Collect

1.1 Personal Information

We may collect several types of information from and about users of our website, including:

• Contact information (such as name, email address, mailing address, and phone number)
• Account information (such as username and password)
• Transaction information (such as payment details, purchase history, and shipping information)
• Profile information (such as preferences, product interests, and demographic information)
• Communications (such as customer service inquiries and survey responses)

1.2 Usage Information

We may automatically collect certain information about your equipment, browsing actions, and patterns when you interact with our website, including:

• Log information (such as IP address, browser type, operating system, referring pages, and access times)
• Device information (such as device identifiers, location information, and mobile network information)
• Usage data (such as traffic data, communication data, and the resources that you access and use on the website)
• Cookies and similar technologies (as described in our Cookie Policy)

2. How We Collect Information

2.1 Direct Collection

We collect information directly from you when you:

• Register for an account
• Place an order
• Subscribe to a newsletter
• Fill out a form
• Participate in a survey or promotion
• Contact customer service

2.2 Automated Collection

We collect information automatically when you:

• Visit our website
• Click on links
• Open emails from us

We use cookies and similar tracking technologies to collect this information. Please see our Cookie Policy for more information.

2.3 Third-Party Sources

We may receive information about you from third parties, including:

• Insurance providers when you request a quote through our service
• Business partners, such as marketing partners
• Publicly available sources

3. How We Use Your Information

We use your personal information for the following purposes:

3.1 Provide Our Services

• Process insurance quote requests and connect you with appropriate insurance providers
• Manage your account and provide customer support
• Process payments and transactions
• Provide personalized recommendations based on your insurance needs

3.2 Improve Our Services

• Analyze usage patterns and trends
• Conduct research and development
• Enhance user experience and website functionality
• Develop new products and services

3.3 Communicate With You

• Send administrative messages, service updates, and policy changes
• Provide marketing communications (subject to your preferences)
• Respond to your inquiries and comments
• Conduct surveys and collect feedback

3.4 Legal and Safety Purposes

• Comply with legal obligations
• Protect our rights, privacy, safety, or property
• Protect against, identify, and prevent fraud and other illegal activity
• Enforce our terms of service

4. Legal Basis for Processing

Under the GDPR, we must have a legal basis for processing your personal data. We rely on the following legal bases:

• Consent: When you have given clear consent for us to process your personal data for a specific purpose.
• Contract: When processing is necessary for the performance of a contract with you or to take steps at your request before entering into a contract.
• Legitimate Interests: When processing is necessary for our legitimate interests or those of a third party, provided those interests are not overridden by your rights and freedoms.
• Legal Obligation: When processing is necessary to comply with a legal obligation.

For special categories of personal data, such as health information that may be relevant to insurance quotes, we will only process this data with your explicit consent.

5. Disclosure of Your Information

We may disclose your personal information to the following categories of recipients:

5.1 Insurance Providers

When you request insurance quotes or services through our website, we share your information with insurance providers to obtain quotes and facilitate the services you requested.

5.2 Service Providers

We may share your information with third-party service providers who perform services on our behalf, such as:

• Payment processors
• Cloud hosting providers
• Customer service providers
• Analytics providers
• Marketing and advertising providers

These service providers are obligated to protect your personal information and are restricted from using or disclosing it for any purpose other than providing services to us.

5.3 Legal Requirements

We may disclose your information when required by law, regulation, or legal process, such as in response to a court order or subpoena.

5.4 Business Transfers

If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

5.5 With Your Consent

We may disclose your information to any other third party with your prior consent.

6. Data Retention

We will retain your personal information only for as long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements.

To determine the appropriate retention period, we consider:

• The amount, nature, and sensitivity of the personal data
• The potential risk of harm from unauthorized use or disclosure
• The purposes for which we process the data and whether we can achieve those purposes through other means
• The applicable legal requirements

In general, we retain:

• Account information: For as long as your account is active and for a reasonable period thereafter
• Transaction information: For at least seven years to comply with tax and accounting regulations
• Communication information: For as long as necessary to respond to your inquiries or resolve disputes

You may request deletion of your personal information at any time, as described in the "Your Rights" section below.

7. Data Security

We have implemented appropriate technical and organizational measures to protect the security of your personal information. These measures include:

• Encryption of sensitive data
• Regular security assessments
• Access controls for our systems and data
• Staff training on data protection
• Vendor security assessment procedures

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

We will notify you of any breach of your personal data as required by applicable law.

8. Cookie Policy

Our website uses cookies and similar technologies to enhance your browsing experience and provide personalized features.

8.1 What Are Cookies?

Cookies are small text files that are stored on your device when you visit a website. They are widely used to make websites work more efficiently and provide information to the website owners.

8.2 Types of Cookies We Use

• Essential Cookies: Necessary for the website to function properly.
• Performance Cookies: Help us understand how visitors interact with our website by collecting and reporting information anonymously.
• Functionality Cookies: Enable enhanced functionality and personalization.
• Targeting Cookies: Used to deliver relevant advertisements and track the effectiveness of advertising campaigns.

8.3 Cookie Control

You can control cookies through your browser settings. Most browsers allow you to block or delete cookies. However, if you block essential cookies, you may not be able to use all the features of our website.

When you first visit our website, we will ask for your consent to use non-essential cookies through our cookie consent banner.

9. Your Rights

Under the GDPR and Swedish data protection laws, you have certain rights regarding your personal data:

• Right to Access: You can request a copy of the personal data we hold about you.
• Right to Rectification: You can request correction of inaccurate or incomplete personal data.
• Right to Erasure: You can request deletion of your personal data in certain circumstances.
• Right to Restrict Processing: You can request restriction of processing of your personal data in certain circumstances.
• Right to Data Portability: You can request transfer of your personal data to you or a third party in a structured, commonly used, machine-readable format.
• Right to Object: You can object to processing of your personal data in certain circumstances, including for direct marketing purposes.
• Right to Withdraw Consent: You can withdraw consent at any time where we rely on consent to process your personal data.

To exercise any of these rights, please contact us using the information in the "Contact Us" section below. We will respond to your request within one month, as required by applicable law.

You also have the right to lodge a complaint with the Swedish Authority for Privacy Protection (Integritetsskyddsmyndigheten) or other competent supervisory authority in the EU.

10. International Data Transfers

We primarily process personal data within the European Economic Area (EEA). However, some of our service providers may be located outside the EEA. When we transfer personal data outside the EEA, we ensure that appropriate safeguards are in place, such as:

• Transfers to countries that have been deemed to provide an adequate level of protection by the European Commission
• Using specific contracts approved by the European Commission (Standard Contractual Clauses) that give personal data the same protection it has in Europe
• Transfers to organizations that are part of the EU-US Privacy Shield (where applicable)

If you would like more information about the specific mechanism used when transferring your personal data out of the EEA, please contact us using the information in the "Contact Us" section below.

11. Children's Privacy

Our website is not intended for children under 18 years of age, and we do not knowingly collect personal information from children under 18. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us.

12. Changes to Our Privacy Policy

We may update our privacy policy from time to time. If we make material changes, we will notify you by email or by posting a notice on our website prior to the change becoming effective. We encourage you to review this privacy policy periodically for any changes.

Your continued use of our website after we post changes to this privacy policy means you accept those changes.

13. Contact Us

If you have any questions or concerns about this privacy policy or our data practices, please contact us at:

• Email: [email protected]
• Phone: +46 70 123 4567
• Address: Stockholm, Sweden