Terms and conditions
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Terms and conditions of the website, use and protection of personal information

Les conditions contractuelles des assurances expatriés

Purpose of the website:

The site healthforexpats presents general information on international health insurance intended for expatriates, travelers and students.

It provides internet users with an insurance comparison service presenting the main benefits and rates enabling internet users to have summarized information.

Under no circumstances can the information provided on this site be considered as personalized advice to meet a specific insurance need.

HealthForExpats is under no contractual obligation to work primarily, predominantly or exclusively with one or more insurance companies.
The offers presented are subject to change at any time and without notice.

Website usage:

When information is requested to establish insurance rates, the user agrees to provide accurate, complete and up-to-date information.

The service user acknowledges and accepts that the very nature of the insurance product may result in the insurance companies, working in partnership with HealthForExpats, not being able to provide offers for certain profiles, although every effort will be made to provide offers for as many profiles as possible.

The service user acknowledges and accepts that the information communicated on this site is intended to provide summarized, partial and standardized information on the insurance coverage offered by insurers or insurance managers. He/she acknowledges and accepts that it cannot be exhaustive, particularly with regard to exclusions or limitations of coverage, deductibles, subscription or management conditions. More generally, he/she acknowledges and accepts that it cannot have any contractual value and agrees to read the General Conditions or the Legal Information Notices provided by the insurers before any subscription. He/she acknowledges and accepts that only the policies or membership certificates nominatively issued by the insurers or insurance managers can have this contractual value.

By nature, the benefits and rates of international coverage may be denominated in different currencies. To facilitate the comparison, the user chooses a presentation currency. If it is different from the contractual currency of the policy, the amounts shown are calculated using an indicative exchange rate that is updated weekly. The contractual currency is the one indicated in the General Conditions.

Use of cookies:

In order to facilitate your navigation, we may install "cookies" in your computer. A "cookie" records information relating to your navigation on our site (the pages you have consulted, the date and time of the consultation...) so that you can re-use them during your subsequent visits. This information may therefore be stored temporarily in our databases. You can refuse the use of these cookies by blocking their installation. It is up to you to configure your internet browser accordingly.

Management of personal data:

Personal data are protected by the law n° 78-87 of January 6, 1978, the law n° 2004-801 of August 6, 2004, the article 226-13 of the Penal Code, the European Directive of October 24, 1995 as well as by the General Data Protection Regulation (GDPR) of April 27, 2016.

At HealthForExpats we are committed to protecting your personal data, treating it with respect and taking into account its protection when designing our services.
We may process personal data about you in different ways and under different circumstances depending on your situation (company, insured, partner, job applicant). However, the personal data we collect are not passed on to commercial or advertising entities and are not used for prospecting purposes without your consent.

1. What data do we collect and for what purpose?

In order to present, underwrite and manage insurance solutions, we collect information about the prospect, the insured, the related parties.

We need to communicate with you and identify you in a safe and accurate way, so we need personal identification data such as your full name and address and contact information.

In order to set up the most suitable policy for you, we then need to collect information about your personal life, such as your marital status and family composition, as well as economic and financial information such as your income.
In the context of assessing a particular risk linked to the insurance policy or to meet our anti-money laundering and anti-terrorism legal obligations, we are likely to collect data concerning your professional activity such as your field of activity, your employer, your socio-professional category.

The data collected must be accurate and complete. We reserve the right to ask you to verify the information you have given us and, if necessary, to complete your file.

Your data are collected for the following purposes
- the elaboration of personalized insurance comparisons;
- the elaboration of surveys or statistics in order to develop our products;
- the implementation of the desired coverage;
- the management of policies from the pre-contractual phase to the implementation;
- customer management and business prospecting;
- the management of complaints and litigation;
- the application of legal, regulatory and administrative provisions in force, in particular the fight against money laundering and terrorism financing;
- the fight against fraud and the implementation of preventive measures.

2. Legitimate processing

The processing of your data, in accordance with Article 6 of the General Data Protection Regulation of 27 April 2016, is based on:
- your consent to the collection of personal data that you expressly grant by choosing to see the benefits and rates presented by HealthForExpats ;
- The implementation of your policy or the carrying out of pre-contractual measures;
- The necessity of the processing with respect to the legitimate interests pursued by HealthForExpats.

3. Recipients of the data collected

We work with third parties to help us run our business and provide services. These are third parties duly authorized by HealthForExpats to access only the information necessary for the business. These third parties may include:
- brokers, insurers, reinsurers or other third party managers who manage the underwriting process, policies and claims ;
- service providers who help us manage our administrative and information systems;
- lawyers and other professional services firms;
- organizations working to prevent fraud in financial services.

4. Data keeping

We keep your data for as long as is reasonably necessary in accordance with the purposes of processing. For example, we keep the data you have provided to us for processing during the management of your policy, as well as for the legal periods applicable after the end of the policy. When your personal data are no longer required, we will ensure that they are securely deleted or stored in such a way that they can no longer be used by the company.

All data are hosted in Switzerland and kept for a maximum period corresponding to the time required for the various operations listed above or for the duration specifically provided for by the CNIL (standards for the insurance sector) or by law (legal requirements). The host is Infomaniak Network SA, Les Acacias, Geneva, Switzerland Commercial Register of the Canton of Geneva CH-660.0.059.996-1

5. Are personal data transferred to another country?

HealthForExpats does not transfer data to any other country. However, when this is necessary, we will take steps to ensure that any international transfer of information is carefully managed to protect your rights and interests. For example, we may disclose your personal data abroad if we receive a legal or regulatory request from a foreign law enforcement authority.

When information is transferred to service providers, such transfers are protected by contractual obligations.

6. Your rights

The right to access: you can obtain information about the processing of your personal data as well as a copy of these data.

The right to rectify: if you believe that your personal data are inaccurate or incomplete, you may request that they be amended accordingly.

The right to object to the processing of personal data for legitimate reasons, as well as the right to object to the use of such data for commercial prospecting purposes.

The right to the limitation of personal data.

The right to the deletion of personal data: you can request the deletion of your personal data subject to the application of your policy.

The right to transfer personal data: you may request that the personal data you have provided to us be returned to you or, where technically possible, transferred to a third party.

The right to withdraw consent at any time if you have given special and express authorization for the use of certain data, provided that such authorization does not concern data necessary for the implementation of the policy.

The right to define instructions on what to do with personal data after your death.
If you give your explicit consent to allow us to process your sensitive personal data, you may withdraw your consent at any time. However, be aware that if you choose to withdraw your consent, we may not be able to continue to provide you with insurance comparison services or insurance management assistance. If you decide to withdraw your consent, we will inform you in more detail about the possible consequences.

7. Consent withdrawal and exercising your rights

Where your consent has been obtained for the processing of certain data, you may withdraw your consent to the processing of such data at any time. You may exercise these rights by making a written and signed request to HealthForExpats, including a copy of your signed ID and specifying the address to which the reply should be sent,
- by postal mail : HealthForExpats-Direction " gouvernance et qualité de la donnée ", Hélios 3, 116 route d'Espagne - 31100 TOULOUSE, FRANCE;
- by email : contact@healthforexpats.com.

In case of persistent disagreement concerning your data, you have the right to contact the Commission Nationale Informatique et Libertés (CNIL) at the following address: CNIL 3 Place de Fontenoy TSA 80715, 75334 PARIS CEDEX 07.

In case of requests related to data collected to be processed within the anti-money laundering and anti-terrorism financing framework, the right of access is exercised, in accordance with Article L. 561- 45 of the Monetary and Financial Code, directly with the National Commission for Information Technology and Liberties.

We will not charge fees for exercising any of your rights concerning your personal data, unless your request for access to the information is unfounded or excessive, in which case we will charge a reasonable fee in light of the circumstances. We will inform you of any fees before responding to your request.

We aim to respond to all valid requests within one month unless the request is particularly complex or you have made multiple requests, in which case the time limit will be extended to three months. We will inform you if we need more than one month. We may need to ask you exactly what you want to receive or the exact nature of your concerns. This will help us process your request more quickly.

We are not required to comply with any request that would adversely affect the rights and freedoms of other individuals involved.

8. Data Security

HealthForExpats implements appropriate technical and organizational measures in accordance with state of the art processes to ensure the security of personal data transmitted, stored or processed, in order to protect them against accidental or unlawful destruction, loss or modification, as well as unauthorized disclosure or access.

However, the secrecy of exchanges on the Internet is not guaranteed. It is the responsibility of each user to take all appropriate steps to protect their own data (especially their user IDs and passwords) and the equipment they use from contamination by malicious software.

Email Disclaimer:

Electronic messages and all attached files, as well as the information contained in such messages, are confidential and intended solely for the use of the person to whom they are addressed. If you have received a message by mistake, please return it to its sender and destroy it. Any dissemination, publication, in whole or in part, or disclosure in any form whatsoever of these messages that has not been expressly authorized is prohibited.

Copying of messages and communication of their content to any other person is prohibited. The erroneous transmission of a message does not waive nor constitute a release of confidentiality and professional secrecy.

All messages sent and received by HealthForExpats may be subject to checks to ensure compliance with internal guidelines, to protect the interests of the company and to eliminate potentially harmful software. Electronic messages are not secure and are subject to error as they may be intercepted, altered, lost, deleted or contain viruses. Anyone communicating with our company by email accepts these risks. Delegations of power and authority must be verified and are available upon request.

Viruses, hypertext links :

HealthForExpats takes all necessary measures to ensure that its site is free of any viruses or malicious software, however HealthForExpats declines all responsibility for any direct or indirect damage, material or immaterial, which could possibly result from the consultation of the site, the use of its content, as well as in case of delay in updating information, error or omission as to the content of the site's pages, whether or not they are the result of fraudulent modifications by a third party (intrusion, virus....).

HealthForExpats declines all responsibility for the creation of links to external sites and for the content of these sites. The user accepts that his/her choice to access another site, through a hypertext link, is made under his/her sole responsibility.

Applicable law:

The present terms of use of the site and the services offered are subject to French law. Any litigation relating to the interpretation or the implementation of the present terms of use or the proposed services will be submitted to the Court of Toulouse, France.

Complaints:

Any complaints concerning the use of the site and the services offered should be addressed first of all to the HealthForExpats customer service:
- by email to: contact@healthforexpats.com
- by postal mail to : HealthForExpats, Hélios 3, 116 route d'Espagne 31100 Toulouse.
For any complaint concerning the processing of a subscription or an insurance policy, please consult the information on insurance mediation.

Intellectual property:

The contents and graphic elements of this site are the property of HealthForExpats. Any total or partial reproduction without prior authorization is prohibited.

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