АРА Брокер, защото имаш право на отговор!
АРА Брокер НА 08.01.2018 АРА БРОКЕР OТПРАЗНУВА СВОЯ 10-ТИ РОЖДЕН ДЕН!
Щастливи сме, че с упоритата си работа успяхме да спечелим доверието ви.
Вярваме, че това, което правим, е достатъчно важно, за да продължим. Заедно се справяме с предизвикателствата, пред които сме изправени и заедно продължаваме напред.
Благодарим на всички наши клиенти, партньори и служители за подкрепата през всичките тези 10 години!
ОБЩИ УСЛОВИЯ
Използвайки този уебсайт, Вие се съгласявате с условията изложени по-долу за ползването му. Моля прочетете ги внимателно. Навсякъде по-долу думите „АРА Брокер”, „Брокер” или „Екипът” означават „АРА Брокер” ЕООД.
Предназначението на настоящите общи условия е да регулират отношенията между „АРА Брокер“ ЕООД и потребителите, които чрез използването на сайта www.arabroker.com в реално време възлагат чрез електронна поръчка на АРА Брокер в качеството му на застрахователен брокер да сключи от тяхно име и за тяхна сметка застрахователен договор за застраховане на техните интереси срещу възнаграждение, което се включва в застрахователната премия и се дължи от застрахователя.
КОЙ Е АРА Брокер ЕООД?
АРА Брокер е дружество регистрирано като независим застрахователен брокер с решение на Комисия за финансов надзор, с удостоверение № 28-ЗБ считано от 08.01.2008 година.
Офис за осъществяване на дейността се намира в гр. София, Младост 4, бл. 459, ет. 1, офис 2. Телефона за контакт 02 877 21 07 и имейл: office@arabroker.com, управител на дружеството е Александър Вълчев.
Контрол върху дейността упражнява Комисия за финансов надзор с адрес: София, ул. Будапеща 16.
КАКВИ ПРОДУКТИ ПРЕДЛАГА АРА Брокер?
Застрахователния брокер предлага пълна гама от застрахователни продукти на българския пазар. Предлаганите застраховки включват автомобилно застрхаоване, имуществено застраховане, застраховки живот, отговорности и др. Застраховките могат да бъдат сключени, както в офиса на застраователния брокер, така и чрез заявка в сайта www.arabroker.com. При получаване на заявката, наш представител ще се свърже с Вас за уточняване на параметрите застрахователния договор и същия ще се изпрати към Вас електронно и хартиен носител по пощата.
Плащането може да се извърши: в офис на брокера, по банков път, с наложен платеж, с карта.
РАЗГЛЕЖДАНЕ НА ЖАЛБИ
Общи разпоредби
Правилата за подаване и разглеждане на жалби на ползвателите на застрахователни услуги и потребителски организации определят организацията за разглеждане на жалби: подаване, обработване и отговаряне на жалби (оплаквания) на ползвателите, в съответствие с чл.290, ал.1 от КЗ.
Целта на Правилата е да организира процеса по управление на жалби (оплаквания) на ползвателите на застрахователни услуги по справедлив, ефективен и подходящ начин.
Общи положения:
Жалба (оплакване) – писмено искане, подадено от ползвател или потребителска организация към застрахователния брокер, в която Ползвателят посочва, че правата или законните му интереси, свързани със застрахователните услуги, предоставени от Брокера или сключените договори, са били нарушени, и отправя искане за изпълнение на неговите изисквания.
Разглеждане на жалби (оплаквания) – дейността на служителите на Брокера, включително приемане и регистриране на жалби (оплаквания), разглеждане и определяне на проблема, подготвяне на отговор и предоставянето му на Ползвателя на услугите.
Регистър на жалби (оплаквания) – дневник, в който са регистрирани всички жалби (оплаквания) на Ползвателя, получени директно от Ползвателя, на адреса на Брокера, по пощата, по електронна поща или чрез други електронни средства.
Отговор – писмен отговор на въпросите и/или исканията на Ползвателя, предоставени в указани в Кодекса за застраховането срок.
Подаване на жалби (оплаквания)
Ползвателят може да подаде жалба (оплакване) по следните начини:
в офиса на ЗБ “АРА Брокер” ЕООД гр. София жк. Младост 4, бл.459, вх. 1, ет.1, офис 2 , като попълни жалбата (оплакването) и я предаде на служител;
чрез изпращане на писмо по пощата на адрес: гр. София жк. Младост 4, бл.459, вх. 1, ет.1, офис 2;
чрез изпращане на email на брокера: office@arabroker.com;
чрез попълване на формуляр за заявка в онлайн системата за обслужване на Брокера: www.arabroker.com;
Обработване на жалби (оплаквания)
Жалбата (оплакването) на Ползвателя на услугите се обработва в съответствие с чл. 290, ал 2 от Кодекса за застраховането,
Всички постъпващи жалби се завеждат с входящ номер в регистъра /електронен/на жалбите (оплакванията).
Ние ще Ви отговорим в срок до един месец след подаване на жалбата Ви. Ако отговора на жалбата Ви не е задоволителен, можете да се обърнете към Заместник председателя на КФН, ръководещ управление застрахователен надзор.
Уведомление за поверителност
Кои сме ние
Ние, Застрахователен брокер „АРА Брокер“ ЕООД обработваме Вашите лични данни при спазване на всички изисквания за осигуряване поверителността, сигурността и защитата им, като прилагаме необходимите мерки, за да не се допуска нерегламентиран достъп, загуба или ползване на Вашите данни. За нас е важно да осигурим събирането и обработването на Вашите данни в пълно съответствие с изискванията на българското и европейското законодателство.
Какви Ваши лични данни съхраняваме и обработваме
Три имена
Персонални данни, необходими за персонална идентификация.
Единен граждански номер / персонален номер на чужденеца
Персонални данни, необходими за персонална идентификация.
Телефонен номер
Данни за комуникация с Вас.
Електронна поща
Данни за комуникация с Вас.
Постоянен и/или настоящ адрес, адрес за кореспонденция
Данни необходими ни за издаване на застраователна оферта и застрхаователен договор. Адресът може да се ползва и за изпращане на пратки, като същия се предоставя на куриерски фирми.
Данни за банкови сметки
Данни относно предмета на застрахователния договор
Професия, длъжност, месторабота, гражданство, финансова информация, пол, възраст, документи, доказващи собственост на недвижими имоти и движими вещи, трудов стаж, професионален опит и други.
Данъчна и финансова информация
Здравни данни
Информация относно Вашето здравословно състояние и данни, свързани с физическото или психическото Ви здраве, както и медицински документи, предоставени за целите на сключване на застраховка и предявяването на застрахователна претенция.
За какви цели обработваме Вашите лични данни и какво е основанието за тяхното предоставяне и обработване
Ние обработваме предоставените от Вас лични данни за целите на администриране на процеса по посредничество при сключване на застрахователни договори, за да отговорим в определени случаи на Ваше искане, заявление или друго запитване към нас, за да Ви съдействаме при ползване на услуги по застрахователния договор или при предявяване на застрахователни претенции, за защита на правния интерес на Брокера в случай на евентуален спор, при изпълнение от наша страна на законови изисквания, включително избягване на конфликт на интереси, корупционни практики и задължения по Закона за мерките срещу изпирането на пари, както и за маркетингова комуникация и целите на директния маркетинг и при статистическа обработка на данните, въз основа на Вашето изрично съгласие.
Ние обработваме личните Ви данни, посочени по – горе, самостоятелно или в комбинация помежду им.
Ние обработваме Вашите лични данни при спазване на нормативните изисквания на Закона за защита на личните данни, Регламент (ЕС) № 2016/679 на Европейския парламент и на Съвета от 27 април 2016 г. относно защитата на физическите лица при обработването на лични данни и относно свободното движение на такива данни, и за отмяна на Директива 95/46/ЕО (Общ регламент относно защитата на данни или ОРЗД) и цялото българско и европейско законодателство, действащо в тази област.
Ние обработваме Вашите лични данни на основание легитимния интерес на Брокера да изпълни задълженията си като застрахователен посредник, за изпълнение на нормативни задължения или за легитимни интереси на трета страна.
Ние обработваме Вашите лични данни и въз основа на Вашето съгласие.
Сроковете, за които съхраняваме Вашите лични данни са регламентираните срокове в Кодекса за застраховането (предвид посочените там давностни срокове по различните видове застраховки), Закона за счетоводството, Данъчно – осигурителния процесуален кодекс.
С кого можем да споделяме Вашите лични данни
Ние пазим поверителността на Вашите лични данни. Ние не предоставяме Вашите данни на трети лица, преди да бъдем сигурни, че при тях са взети необходимите технически и организационни мерки за защита на тези данни и то на необходимото ниво, за да бъде гарантирана тяхната сигурност.
На посочените по – горе основания за обработка на данните, ние споделяме Вашите лични данни с нашите договорни партньори – застрахователните дружества.
При спазване на законовите изисквания е възможно да разкрием Ваши лични данни и на следните категории получатели – държавни и общински институции, в изпълнение на наши законови задължания, доставчици на услуги, свързани с дейностите по посредничество при сключване на застрахователния договор и уреждане на застрахователна претенция, техническа поддръжка на вътрешни информационни системи и оперативна поддръжка на дейността ни, одитори.
Подобно разкриване на данни се осъществява само при наличие на основателна причина за това и въз основа на писмена договорка получателите да осигурят адекватно ниво на защита.
Какви са Вашите права по отношение на личните данни
При спазване на българското законодателство, Вие имате следните права спрямо личните Ви данни, обработвани от нас:
Право на достъп – Вие имате право да поискате от нас достъп до обработваните от нас Ваши лични данни и да получите копие от тях.
Право да оттеглите съгласието си – Вие имате право в случая, когато Вашите данни се обработват въз основа на Вашето съгласие, да оттеглите съгласието си, по всяко време, като това оттегляне не засяга законосъобразността на обработването въз основа на съгласието Ви, преди то да бъде оттеглено.
Право на корекция и право на изтриване – Вие имате право, при непълнота или неточност в данните, които обработваме, по всяко време да поискате те да бъдат коригирани. Също, ако е постигната целта, за която данните са събрани, или сте оттеглили съгласието си, когато обработката се базира на съгласие и няма друго законово основание за обработка, или личните Ви данни са били обработвани незаконосъобразно, да поискате тяхното заличаване.
Право на възражение – Вие имате право, при наличие на законово основание за това, по всяко време да възразите срещу обработването на личните Ви данни.
Право на ограничаване на обработването – Вие имате право, в определените от закона случаи да изискате обработката на личните Ви данни да бъде ограничена, напр. но не само, ако оспорвате верността на данните, за срок, който ни позволява да проверим точността им, или ако обработването на данните е неправомерно, но Вие не желаете те да бъдат изтрити и пр.
Право на преносимост на данните – Вие имате право да поискате от нас да предоставим личните данни, които сте ни предоставили, в структуриран, общоупотребяван и пригоден за машинно четене формат.
Право на жалба – Вие имате право, когато са налице съответните предпоставки за това, в случай че имате причина да считате, че е налице някакво нарушение от наша страна да се обърнете към нас. Независимо от това, при всяко положение, Вие имате право да подадете жалба пред Комисия за защита на личните данни.
Privacy Notice
Who are we
We, ARA Broker Ltd. Insurance Broker, process your personal data in compliance with all requirements for confidentiality, security and protection, taking the necessary measures to prevent unauthorized access, loss or use of your data. It is important for us to ensure that your data is collected and processed in full compliance with the requirements of the Bulgarian and European legislation.
What personal information we store and process
Three names
Personal data required for personal identification.
Unique alien civilian / personal number
Personal data required for personal identification.
Phone number
Data for communication with you.
Email
Data for communication with you.
Permanent and / or current address, correspondence address
The data we need to issue an insurance quote and insurance contract. The address can also be used for sending consignments, the same being provided to courier companies.
Bank account details
Details of the subject matter of the insurance contract
Profession, position, place of employment, citizenship, financial information, gender, age, documents proving ownership of real estate and movable property, work experience, professional experience and others.
Tax and financial information
Health data
Information on your health and information relating to your physical or mental health, as well as medical records provided for the purpose of insurance and claim.
For what purposes we process your personal data and what is the reason for their submission and processing
We process the personal data you provide for the purposes of administering the insurance brokerage process to respond in certain cases to your request, application or other request to us, to assist you in the use of services under the insurance contract or when making insurance claims, to protect the Broker’s legal interest in the event of a dispute, to fulfill our legal requirements, including the avoidance of conflicts of interest, corruption and practices and obligations under the Measures against Money Laundering, as well as marketing communications and direct marketing purposes and statistical processing of data based on your explicit consent.
We process your personal information above, either individually or in combination.
We process your personal data in compliance with the regulatory requirements of the Personal Data Protection Act, Regulation (EU) No 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of individuals with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46 / EC (General Data Protection Regulation or the CPD) and all Bulgarian and European legislation in force in this field.
We process your personal information on the basis of the Broker’s legitimate interest in fulfilling his obligations as an insurance intermediary, in fulfilling regulatory obligations, or in the legitimate interests of a third party.
We process your personal data and based on your consent.
The periods for which we store your personal data are the statutory time limits in the Insurance Code (taking into account the limitation periods specified therein for different types of insurance), the Accountancy Act, the Tax and Social Insurance Procedure Code.
Who we can share your personal information with
We protect the privacy of your personal information. We do not disclose your information to third parties until we are sure that they have taken the necessary technical and organizational measures to protect that data and at the necessary level to ensure their security.
For the reasons mentioned above for data processing, we share your personal data with our contractual partners – insurance companies.
Subject to legal requirements, we may disclose your personal information to the following categories of recipients – state and municipal institutions, in fulfillment of our legal obligations, service providers related to the mediation activities in concluding an insurance contract and settling an insurance claim, technical support of internal information systems and operational support of our business, auditors.
Such disclosure shall be made only on reasonable grounds and on the basis of a written agreement by the recipients to provide an adequate level of protection.
What are your rights regarding personal data
In compliance with the Bulgarian legislation, you have the following rights with respect to your personal data processed by us:
Right of access – You have the right to ask us to access and receive a copy of your personal data.
Right to Withdraw Your Consent – You have the right, in the event that your data are processed based on your consent, to withdraw your consent at any time, without such withdrawal affecting the lawfulness of processing based on your consent before it is withdrawn.
Right of correction and right of erasure – You have the right, at any time, to incomplete or inaccurate data that we process, to correct it. Also, if the purpose for which the data was collected is achieved, or you have withdrawn your consent when the processing is consent-based and there is no other legal basis for the processing, or your personal data have been illegally processed, request their deletion.
Right of Objection – You have the right, at legal basis, to object to the processing of your personal data at any time.
Right to Restrict Processing – You have the right, in the cases provided for by law, to require the processing of your personal data to be restricted, e.g. but not only if you dispute the accuracy of the data for a period that allows us to verify their accuracy, or if the processing of the data is improper, but you do not want them to be deleted, etc.
Data Transfer Right – You have the right to request us to provide the personal data you have provided to us in a structured, commonly used and machine-readable format.
Right of Complaint – You have the right, if there are appropriate prerequisites for doing so, if you have reason to believe that there has been any breach on our part by contacting us. However, in any case, you have the right to file a complaint with the Data Protection Commission.
GENERAL CONDITIONS
By using this website, you agree to the terms set out below for its use. Please read them carefully. Everywhere below the words “ARA Broker”, “Broker” or “Team” means “ARA Broker” Ltd.
The purpose of these General Terms and Conditions is to regulate the relationship between “ARA Broker” Ltd. and the users who, through the use of the site www.arabroker.com, in real time assign by electronic order to ARA Broker as an insurance broker to conclude on their behalf and at their own expense an insurance contract for the insurance of their interests against remuneration, which is included in the insurance premium and is payable by the insurer.
WHO IS ARA Broker LTD?
ARA Broker registered as an independent insurance broker with a decision of the Financial Supervision Commission, with certificate № 28-ЗБ as of 08.01.2008.
The office for carrying out the activity is located in Sofia, Mladost 4, bl. 459, floor 1, office 2. Contact phone 02 877 21 07 and email: office@arabroker.com, the manager of the company is Alexander Valchev.
Activity control is exercised by the Financial Supervision Commission with address: 16, Budapest Str., Sofia.
WHAT ARE ARA Broker PRODUCTS?
The insurance broker offers a full range of insurance products on the Bulgarian market. Insurance offers include car insurance, property insurance, life insurance, liability, and more. The insurance can be taken out either at the office of the insurance broker or by requesting at www.arabroker.com. Upon receipt of the request, our representative will contact you to specify the parameters of the insurance contract and the same will be sent to you electronically and in paper by mail.
Payment can be made: at the broker’s office, by bank transfer, cash on delivery, by card.
APPLICATION OF COMPLAINTS
General provisions
The rules for filing and handling complaints by users of insurance services and consumer organizations define the organization for handling complaints: filing, processing and responding to complaints (complaints) of users, in accordance with Article 290, paragraph 1 of the CC.
The purpose of the Rules is to organize the process of handling complaints (complaints) of users of insurance services in a fair, effective and appropriate manner.
General positions:
Complaint – a written request made by a User or consumer organization to an insurance broker, in which the User states that his rights or legal interests related to the insurance services provided by the Broker or the concluded contracts have been violated and asks for fulfill its requirements.
Handling of complaints (complaints) – the activity of the Broker’s employees, including receiving and registering of complaints (complaints), handling and defining the problem, preparing a response and providing it to the Service User.
Register of Complaints (Complaints) – a logbook in which all complaints (complaints) of the User, received directly from the User, at the address of the Broker, by mail, e-mail or other electronic means are registered.
Answer – a written answer to the questions and / or requests of the User, provided within the term specified in the Insurance Code.
Complaints (complaints)
The user can file a complaint (complaint) in the following ways:
at the office of ARA Broker Ltd., Sofia Mladost 4, bl.459, ent. 1, floor 1, office 2, completing the complaint (complaint) and submitting it to an employee;
by sending a letter by post to: Sofia Mladost 4, bl.459, ent. 1, floor 1, office 2;
by emailing the broker: office@arabroker.com;
by filling in an application form in the Broker’s online service system: www.arabroker.com;
Complaint handling (complaints)
The complaint (complaint) of the Service User shall be processed in accordance with Art. 290, paragraph 2 of the Insurance Code,
All incoming complaints are registered with the entry number (electronic) of the complaints (complaints).
We will respond to you within one month of submitting your complaint. If the response to your complaint is not satisfactory, you can contact the Deputy Chairman of FSC, who heads the Insurance Supervision Department.
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