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Supervision and Alandia Insurance’s Personal Data Policy

Supervision

Alandia Insurance in the company group for Försäkringsaktiebolaget Alandia, Försäkringsaktiebolaget Liv-Alandia and Försäkringsaktiebolaget Pensions-Alandia.

  • Försäkringsaktiebolaget Alandia, company reg.nr 0145065-2 (FI), 502049-4224 (SE)
  • Försäkringsaktiebolaget Liv-Alandia, company reg.nr 0971621-6
  • Försäkringsaktiebolaget Pensions-Alandia, company reg.nr 0205049-0

The insurance companies ltd. in the Alandia Insurance group have been granted concession in Finland and our business is supervised by Finansinspektionen (the supervising authority for the financial branch), www.finansinspektionen.fi and Dataombudsmannens byrå (the supervising authority for data protection), www.tietosuoja.fi. 

We also do business in several other countries in the EU and EEA and to that part our business in supervised by the relevant country’s supervising authority, e.g. in Sweden by Finansinspektionen, www.finansinspektionen.se.

Personal Data Policy

When handling insurance and claims issues and establishing customer relations Alandia handles personal data in accordance with the General Data Protection Regulation, the data protection law, publicitylaw, insurance company law and branch specific recommendations. Also practiced are the law of pension for employees and the law of pension for business owners when handling statutory pension insurances and the law of work accidents and occupational illnesses when handling statutory accident insurances.

Alandia handles personal data in accordance with the effective legislation in a responsible manner and protects the customers’ personal integrity in all phases of the handling of personal data. When handling personal data good information handling is secured and the personal data is protected by confidentiality.

Collection of personal data

The personal data is collected from you and the parties that you allow and also public registers that are kept by authorities. Personal data from other sources is collected only when permitted by law. Data can be collected from among others hospitals, care organizers, doctors, other insurance companies, the authorites for statutory pensions and compensations, the tax authorities, the policy and credit information registers.

Alandia Insurance has the right to use credit information when assessing if an insurance will be granted. Occasional records of non-payment are not as such an impediment for granting an insurance.  Several records of non-payment in a register of credit information can be an impediment for granting an insurance in cases where an unbiased assessment of the records of non-payment indicates that the customer will neglect the payment of insurance premiums. In these cases Alandia aims together with the applicant to clarify the prerequisites for granting an insurance. If Alandia rejects an application for an insurance the applicant will receive a decision with motivation in writing and an appeal instruction.

Credit checks are also made for our potential tenants.

Personal data that is collected for preventing money laundering and financing of terrorism is used only for preventing, revealing and investigating crime. We practice the effective legislation for preventing money laundering, the object of which is to prevent money laundering and financing of terrorism, to contribute to the revealing and investigating of these and to make the tracing and retrieving of the winnings from crime, which means that we have a reporting obligation by law. The companies have been imposed to always ascertain the identity of a customer and to report to the authorities if there is reason to doubt if funds or other property used for a business transaction have a legal source or if there is reason to suspect that it is used for committing a crime stated by the law. The same rules apply for e.g banks.

Transfering of personal data

We do not transfer confidential personal data to unauthorized parties unless you have given your consent to that or the transfer of data is based on legislation. We retain the right to transfer data to other companies within the group and to other companies that we cooperate with for customer care and markering purposes.

Protection of personal data

We prevent unauthorized parties form gaining access to customer data by e.g. authentification and control of user rights in the data systems, firewalls and network security as well as from physical access by locked and fireproofed archives. Unnecessary documents are continuously destroyed.

The right to accessing your personal data and correction of it

As a data subject you have the right to access your personal data and demand that incorrect, unnecessary, incomplete or out-of-date personal data is corrected. More information about which personal data is handled and how it is handled by Alandia is stated in the register descriptions that you can study at the bottom of this page or at one of Alandia Insurance’s offices.

From the register descriptions you get more information about e.g. the purpose for the handling of personal data, which legal grounds the handling is based on, which personal data in included in the handling, where the data is collected from or transferred to and for how long it is saved.

The right to erasure

As a data subject you have the right to get your personal data erase if it is no longer necessary for the purposed that it was collected for.

You do not however have the right to erasure if the data has to be saved to establish, argue or defend legal claims. The right to erasure of personal data is also not there during the time that there is a legal obligation for saving the personal data. When the legally stated saving time has expired your personal data will however be erased without a separate request.

The right to limited handling of personal data   

As a data subject you have the right to limit the handling of your personal data to check if the personal data is correct or that it is handled according to the legislation.

In the handling of statutory accident insurances and statutory pension insurances for employees and business owners however you as a registered person do not have the right to demand limited handling of your personal data if the demand can be considered obviously unsubstantiated.

If the handling of your personal data has been limited it can still be handled with your consent or if it is needed to establish, argue or defend legal claims.

The right to object to the handling of personal data

As a data subject you have the right to object to the handling of your personal data. If as a data subject you object to the handling of you personal data the data can no longer be handled which may have an impact on the handling of your insurance or claims issue.

If there is a legal obligation to handle personal data you do not have the right to object to the handling. You also have no right to object to the handling if the personal data is needed to establish, argue or defend legal claims.

As a data subject you always have the right to object to your personal data being used for direct marketing purposes.

The right to data portability

As a complement to your right to check your personal data you also have the right to get personal data that you yourself have given to us transferred to you.

The right to have your personal data transferred is however not there if the handling of personal data is necessary for fulfilling a legal obligation.

Request for using your rights

If you wish to use one of your rights you can use this form “Request for using the data subjects rights in accordance with the General Data Protection Regulation” to state which right you wish to use and if possible state which data your request concerns and why you wish to use the right.

Your request will be met without delay and at the latest within a month from when we received your request. If Alandia refuses to act according to your request we will inform you of the legal grounds for this and enclose instructions for how you can submit an appeal about the reply.

Displeasure with the handling of personal data

If you are of the opinion that the handling of your personal data is not in accordance with the effective data pr otection legislation you can contact Alandia Insurance’s Data Protection Officer Jan-Mikael Huhtala, dpo@alandia.com, or take you issue to the data protection supervising authority. The contact data för the supervising authority is: Dataombudsmannens byrå, Bangårdsvägen 9, 6:e vån, 00520 Helsingfors, e-post: tietosuoja@om.fi, www.tietosuoja.fi

Changes to the Personal Data Policy

Alandia Insurance retains the right to make changes to the Personal Data Policy, if the changes are necessary to fulfill new legal or technical requirements. We suggest that you check the contents of the Personal Data Policy at regular intervals.