PRIVACY STATEMENT

Who are we?

No Risk’s core activity is advising on and mediating in financial services and products. In providing these services to customers, we process a multitude of personal data.

Our contact information:

  • Phone: +31 (0)20 225 00 69
  • Email: info@norisk.eu
  • Website: www.norisk.eu

Why this statement?

We are responsible for protecting your personal data to the best of our ability. In doing so, we must comply with privacy regulations. We aim to be transparent about the types of data we process, the purposes for processing data, who we share data with, and the rights you have regarding your own data. This Privacy Statement provides you with this information. If you have any questions after reading this document, please contact us.

1. Types of data

1.1 We may process the following personal data about you:

  • contact information, such as name, address, place of residence, phone number, and email address;
  • age, gender, marital status; 
  • data relating to passports, driver’s licenses, or other identity documents (sometimes we request a copy of an identity document);
  • data about employment, income, occupation, and employer;
  • data about financial situation, assets, and any debts;
  • data about current financial products, such as bank accounts or insurance policies;
  • sensitive personal data, for example, health information (in some cases);
  • data about any criminal offenses, fraud aspects (if relevant);
  • data on submitted claims/claim history.

1.2 When we process health data or criminal data, we do so with great care and usually only with your consent.

2. Purposes of data processing

We process your personal data for the following activities in our business:

  • assessing and accepting potential customers;
  • managing our relationship with (potential) customers and visitors (on behalf of customers);
  • managing and expanding our customer base;
  • concluding and executing agreements;
  • performing (targeted) marketing and promotional activities to establish, maintain, or expand a relationship with a (potential) customer;
  • complying with legal obligations;
  • sending newsletters or specific information.

3. Legal basis for data processing

We only process your personal data for the following reasons:

  • Performing a contract for a financial product or service.
  • Complying with a legal obligation that applies to us, such as fulfilling our legal duty of care during the term of a financial product facilitated through our intermediation, or complying with legal deadlines for data retention.
  • The explicit consent you have given to process data for specific purposes. You can always withdraw this consent.
  • Protecting our legitimate interests in the context of our business operations or those of a third party. We always balance your interests with ours. Our interests include the careful execution of agreements with you, maintaining and potentially expanding our customer relationship through direct marketing and/or marketing profiling.

4. Storage and retention period of personal data

4.1 We only retain your personal data for as long as and to the extent necessary. Data that we necessarily require will be retained for the duration of our relationship or agreement.

4.2 If our relationship or agreement ends, we will retain the data for the duration of the legal retention periods that apply to us.

5. Information, modification and objection

5.1 You have specific rights regarding the processing of your personal data. You can always contact us about these rights.

  • 5.2 You can also contact us about the following topics:

    • whether we process your personal data;
    • how we process your personal data;
    • access to the personal data we process about you;
    • objections to the processing of your personal data;
    • correction of your personal data if they have been (possibly) processed incorrectly;
    • restriction of your personal data;
    • deletion of your personal data;
    • transfer of your personal data to yourself or another organization at your request;
    • questions about the content of this Privacy Statement.

5.3 Please note: We may not be able to comply with every request. If this is the case, we will provide an explanation.

6. Security of your data

We have implemented adequate technical and organizational measures to secure your personal data.

7. Disclosure of data to third parties

7.1 We do not disclose your personal data to others without proper reason. However, we may do so if you have given us permission, if we are legally obligated to do so based on the law or a court order, or if the disclosure is necessary for the purposes of processing personal data.

7.2 For the execution of our business operations and depending on the services provided to you, we may disclose your personal data to the following individuals or parties:

  • Financial institutions (such as banks or insurers) with whom we apply for a financial product on your behalf, or with whom you have a financial product that we manage for you or provide guidance during its term.
  • Individuals and entities who need to be informed based on a legal obligation:
    – external parties who process data under our control and responsibility, such as our IT service provider or our (direct) marketing agency;
    – loss adjusters, fraud prevention databases such as Fish and Cis;
    – notaries, lawyers, accountants (in specific cases).

7.3 External parties processing personal data on our behalf do so solely for purposes and under conditions that we have agreed upon. This is documented in written agreements.

8. Changes to the privacy statement

It is possible that we may change this Privacy Statement in the future. You will always find the most up-to-date statement on our website.

9. Right to file a complaint

9.1 If you disagree with how we process your personal data or handle your rights as a customer, please contact us.

9.2 You can also file a complaint with the Data Protection Authority (Autoriteit Persoonsgegevens). For more information, visit www.autoriteitpersoonsgegevens.nl.