Your Integrity

As a customer of ours, it is important that you have confidence in us, especially with regard to the information you provide about yourself and your employees. We only store and use the data that we are required to collect by law and the data needed to fulfil our contract with you. Each individual is informed about our processing and must actively consent to other processing such as personalised offers. You can read more about our processing of personal data below.

In the complaint, you should describe in detail what happened and attach supporting documents so that our feedback and assessment will be good. Our feedback should be prompt and if the case is deemed to take more than ten working days to respond, you should be kept informed of the processing and the reasons for the delay. Complaints are sent by post to Pensure.

If you are not satisfied with our decision, you can get free advice from the Swedish Consumer Centre for Banking and Finance, see www.konsumenternas.se. You can also contact the consumer adviser in your municipality. If you are unsuccessful in your case with the Complaints Officer at Pensure, you have the option of taking the matter to the General Complaints Board (ARN), see www.arn.se for information about the General Complaints Board, or to the general courts.

Management of your data

In order to fulfil our contract with you, we will need to store data about you. The handling of this is regulated by the General Data Protection Regulation, which you can read more about on the website of the Swedish Data Protection Authority. Important for you to know is that we are limited by internal and external regulations in how we use your data.

What data do we use

User data is the information about you that is needed to enable you to use our systems, such as your name, social security number, email address and telephone number.

Customer data is the information about you that is needed to manage your occupational pension and other insurance on an ongoing basis. Examples of such data are name, personal identity number, e-mail address, telephone, salary, premium, health declarations. In addition to this, as a company in the financial sector, we are required to comply with a number of external regulations governing customer due diligence, money laundering, etc., which means that additional data is collected via direct questions to you.

Insurance information is information about your insurance policies taken out with insurance companies by you or your employers. This information is used to give you an overview of your overall insurance situation and to give you personalised advice.

What do you accept

In order for us to collect insurance information about you, you will need to sign an information consent form. This mandate is needed so that we can collect information from the insurance companies where you have taken out insurance policies. Your consent means that Pensure AB may use the insurance information and customer data to provide you with personal advice and personalised offers.

What happens if you do not agree

The authorisation primarily concerns the processing of insurance information. If you do not consent, our ability to provide you with personalised offers and advice will be limited. However, we still have the right to use customer data to inform you about current contracts and general offers.

How to withdraw your consent

You can withdraw your consent at any time by contacting us or by changing your consent on Your pages.

Why do we ask you

On 25 May 2018, a new regulation, the General Data Protection Regulation (GDPR), was introduced, replacing what was previously known as the Personal Data Act (PUL). The aim of the new regulation is to increase your control over how companies and organisations handle data about you.

In order for us to advise you on your occupational pension choices and offer you personalised offers, we always ask for your approval.

Our handling of data

User data is the information about you that is needed to enable you to use our systems, such as your name, social security number, email address and telephone number.

How we collect data

A general description of what we collect is.

User data is collected in connection with your use of our system.
Customer data from you in connection with your subscription to our service and insurance policies. Data is also collected when you make changes to your insurance policies on an ongoing basis.
Data is also collected when you use our services, call or write to us
We also use other public registers such as SPAR and the Swedish Companies Registration Office.
Through cookies when you use our websites

The information we collect about you depends on the services and products you use.

Use of data

In order to process data, there must be support, a so-called legal basis, in the General Data Protection Regulation.

We assume the following support

It is necessary for the performance of the contract with you
It is necessary for Pensure to fulfil its legal obligations
A balancing of interests has been carried out - Pensure's interest is weighed against your privacy
You have given your consent to that particular processing

How long do we keep data

We always save data for a limited time. This time depends on contracts, laws and other obligations.

Customer data is stored as long as you are a customer of Pensure and as long as there is a need. After the contractual relationship has ended, the data is stored for a maximum of 24 months, with the exception of data that must be stored by law or by contract.
Insurance information is stored as long as we have a valid mandate. At the latest six months after we are informed that the mandate is no longer valid, the data will be deleted.

To whom we disclose data

We only disclose data in order to fulfil our contract with you.

Insurance companies

We provide insurance companies with the information they need to underwrite and manage insurance on an ongoing basis. They may only use the information to provide the insurance. If you give your consent, we may provide data to enable insurance companies to offer you a personalised product.

Authorities

We may be obliged to disclose data by law or government decision.

Subcontractors

Pensure AB uses subcontractors and standard systems to deliver its service. This means that information is stored with them or in standard systems. However, they may not use data about you for any purpose other than to provide our service.

How we protect data

As Pensure offers digital insurance solutions, security and customer privacy are particularly important. The data transmitted to and from insurance companies is encrypted and the transmission is carried out using recognised and secure methods. Our information security is designed to prevent, deter and detect the disclosure of information to outsiders or its loss. Access to your data is given only to those who need it for their work.

Your rights

Under the new General Data Protection Regulation, you have a number of rights in relation to the personal data being processed. In short, these rights are to be informed about when and how your personal data is processed and to have control over your own data. This includes the right to have your data rectified, erased or blocked in certain cases, or to have your data accessed or moved.

Here we list your rights and tell you how to exercise them.

Access

You can request an extract from the register of the information we hold about you. You can do this by specifying the information you want to see and sending it to us. The extract from the register will be sent to your registered address.

Correction

Together with you, we have a shared responsibility to ensure that the information about you is accurate. If you discover inaccurate data about you, you have the right to ask for it to be corrected. Contact us and we will correct the data.

Erasure

We delete data that is no longer needed. As a customer, you have the right to request deletion of data without undue delay if any of the following conditions apply. About

the data is no longer needed
processing is based solely on your consent and you withdraw it
the processing is for direct marketing purposes and you object to the processing
you object to the processing of your data following a balancing of interests and there are no legitimate grounds outweighing your interest
data have not been processed in accordance with the regulation
the erasure is necessary to comply with a legal obligation

Objection

You have the right to object to the processing of your data that we carry out on the basis of a balancing of interests. You must then specify which processing you object to. If we consider that such processing should nevertheless take place, we must show that there are overriding interests.

If data is processed for direct marketing purposes, you always have the right to object to the processing at any time. Please inform us of your objections.

Restriction

In certain cases, you have the right to request that the processing of personal data be restricted. Restriction means that the data is marked so that it may only be processed for certain limited purposes in the future.

The right to restriction applies, among other things, when you believe that the data is inaccurate and have requested rectification. In such cases, you may request that the processing of the data be restricted while the accuracy of the data is being investigated.

You will be informed when the restriction ends.

Data portability

You have the right to retrieve and use elsewhere data that you have provided to us for use elsewhere (also called porting).

Registration

If you believe that your data is being processed in breach of the applicable regulations, you should notify us as soon as possible. You can also lodge a complaint with the Swedish Data Protection Authority.

Address: Datainspektionen, Box 8114, 10420 Stockholm.

Damages

If you have suffered damage because your personal data has been processed in breach of the GDPR, you may be entitled to compensation. You can claim damages from us or take legal action for damages. Requests for damages must be made to us in writing.

Cookies

Our websites use cookies. These are small text files that are stored on your computer when you visit a website.

Cookies are used for certain functions that improve our web pages for the user or give us statistics about the use of the site. Cookies are used on our websites. By law, everyone who visits a website must be informed about what cookies are used for. The user must also be given the opportunity to consent to cookies being used to store or retrieve data on, for example, a mobile phone or computer. Most browsers give you the option to block cookies.

Google Analytics

We use Google Analytics for statistical analysis. Google Analytics is a web-based analytics service provided by Google LLC., 1600 Amphitheater Parkway, Mountain View, CA 94034, USA ("Google"). Google Analytics uses so-called "cookies", text files that are stored on your computer and enable an analysis of how you use the website. The information on how you use the website is generated by a cookie and is usually sent to one of Google's servers in the USA where it is stored. If IP anonymisation is enabled on this website, your IP address will be shortened in advance in EU member states or other EEA countries. Only in exceptional cases will the full IP address be sent to a Google server in the US and shortened there. On behalf of the operator of this website, Google will use this information to evaluate your use of the website, create reports on website activity and provide other services related to website activity and internet usage to the website operator. The IP address transmitted within the framework of Google Analytics will not be merged with other data from Google. You can prevent the storage of cookies by changing the settings of your browser; however, if you do so, you may not be able to use all the functions of this website in full. In addition, you can prevent Google from collecting and processing data generated by cookies as well as data related to your use of the website (including your IP address) by downloading and installing a browser plug-in from the following link: http: //tools.google.com/dlpage/gaoptout?hl=sv