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Legal information / Personal Data

LEGALES WARNING

In continuing your consultation of the website SOGELIFE.COM, you confirm having read the following legal warning and thereby signify your acceptance of its content.

CONTENT OF THE SITE

SOGELIFE makes every effort to ensure that the information given on this site is exact and up-to-date and reserves the right to correct content at any time without notice.
SOGELIFE shall incur no legal or contractual liability for any direct or indirect loss suffered by the user or a third party, which results from non-availability of the service or interruption, delay, error or omission regarding the content of these pages or which results from access, consultation or use, which may be made by anyone of the information provided on the SOGELIFE.COM website.
In this regard, the liability of SOGELIFE may not be invoked in the event of indirect financial loss such as in the following non-exhaustive list: losses resulting from transactions carried out on the basis of this information, loss of profit, loss of business, loss arising out of interruption of the service, increase in the cost of access to and processing of the information.
By the same token, SOGELIFE may not be held liable for incidents that are outside their control and loss or damage that may be suffered by your technical environment and especially your computers, software, network equipment (modems, telephones…) and any equipment used to access or use the service and/or the information.
SOGELIFE does not guarantee the accuracy or completeness of the information provided by third parties (intrusion, virus). SOGELIFE may not in any way be held liable for the sequencing, accuracy, veracity, loyalty and merchantable nature, soundness or availability of the information contained on the site SOGELIFE-PARTNERS nor that it is not up-to-date or is not counterfeit. The information contained on the site SOGELIFE.COM is provided on a purely indicative basis. It has no contractual value and shall not in any event constitute an offer or a solicitation for the purchase or sale of an insurance or savings product.
On the SOGELIFE.COM website, SOGELIFE provides no advice and in particular no legal or tax advice. SOGELIFE assumes no liability for the use that may be made of this information and the consequences that may ensue, particularly in terms of decisions to be taken or specific action that could be taken on the basis of this information. As such, anyone using the SOGELIFE.COM website shall be solely responsible for the use of this information and the results obtained from this information. It is the user's responsibility to verify the integrity of the information received over the Internet.
Any warranty relating to commercial usage, to any in-force policies, to the market value or the ability of the service or the data to perform a particular function is excluded. Access to products and services described on this site may be the subject of restrictions for certain people or in certain countries. None of the products or services presented on this site will be supplied by SOGELIFE to a person if the law of his/her country of origin or any other country to which he/she is connected prohibits this. Anyone reading this message is requested to ensure that he/she is allowed legally to access the site from the country in which the connection has been made.

COPYRIGHT

The entire SOGELIFE.COM website is protected under international copyright law, trademark law and, in general, intellectual property rights, both in terms of its form (choice, layout, materials, means of access to data, organising data etc.), and for each element of its content (texts, images, etc.). The content displayed on the pages of this site is the exclusive property of SOGELIFE. By way of exception to this, some content (text, images etc.) is the property of their respective authors.
Furthermore, customers hereby undertake not to make use of this content nor permit anybody else to make use of this content for any illegal purpose.
Any reproduction, distribution or redistribution in whole or in part, of the content of this website in any form or by any means whatsoever (including by caching or framing) as well as any sale, resale, retransmission or making available to others in any way whatsoever is prohibited. Failure to comply with this prohibition constitutes an infringement and may result in legal liability and criminal penalties for the person responsible.

LUXEMBOURG LAW AND LUXEMBOURG COURTS

Luxembourg law shall apply.
The user is hereby informed that only the Luxembourg courts are competent to hear any disputes relating to the use, interpretation and implementation of the information and data contained on the SOGELIFE.COM website.

LANGUAGE

The only authentic version of the site SOGELIFE.COM is the French version. In the event of contradiction with versions in another language, only the French version shall be binding.

 

PROTECTION OF PERSONAL DATA

This policy for the protection of personal data is aimed at you, in your capacity as a user of the website http://www.sogelife.com/ and its purpose is to inform you of the way in which your personal information may, in some cases, be collected and processed by SOGELIFE (hereinafter “We”), sis 11 Avenue Emile Reuter L-2420 Luxembourg, as processing controller.

SOGELIFE has appointed a Personal Data Protection Correspondent who can be reached at the following addresses: lu.sogelife-dpo@socgen.comor SOGELIFE, Correspondant à la protection des données à caractère personnel (Personal Data Protection Correspondent), 11 Avenue Emile Reuter L-2420 Luxembourg.

WHY DO WE COLLECT YOUR PERSONAL DATA?

The personal data that we collect is necessary for the following purposes:

  •          your identification, the identification of insured parties and beneficiaries,
  •          examining, accepting, pricing and risk review,
  •          carrying out transactions which may be necessary for the performance and administration of contracts and the payment of benefits in the event of repurchase or death,
  •          the administration of appeals, claims and disputes,
  •          the administration of requests relating to the exercise of the rights described in the paragraph "WHAT ARE YOUR RIGHTS?". 

Your data is also processed to meet legislative and regulatory provisions in force such as operational risk management (including the security of IT networks and transactions), fraud prevention, and the fight against money laundering and the financing of terrorism. The legitimate ground for this processing is the need to perform the contract which binds you to SOGELIFE.

In order to provide you with the best service possible, your data may be processed for market prospecting and carrying out actuarial and statistical studies. The legitimate ground for this processing is to carry out the legitimate interests of SOGELIFE which consists in knowing more about its clients and to be able to offer them appropriate services.

WHO MAY HAVE ACCESS TO YOUR DATA?

Your personal data may, as required in relation to the purposes set out above, be communicated to our departments in charge of marketing and contract management and fulfilment, your insurance broker, our partners, representatives, subcontractors or legal entities in the Societe Generale group in relation to carrying out their duties, limited to that which is necessary to carry out the work granted to them, whether established within or outside the European Economic Area. These necessary transfers of data take place under conditions and guarantees to ensure the protection of your personal data and in particular, in the event of their transfer outside of the European Union, by the signature of standard provisions between SOGELIFE and persons receiving the data.

It may also be transferred, where necessary to persons working on the contract such as lawyers, experts, court officers and ministry officials, guardians, administrators and any person approved as an authorised third-party in particular the courts, arbitrators, mediators, legal representatives, guardianship authorities and control bodies, and public authorities which have been approved to receive it as well as audit services such as statutory auditors, auditors and departments in charge of internal control. 

WHEN WOULD WE TRANSFER YOUR DATA OUTSIDE OF THE EUROPEAN UNION?

In particular given the international scale of the Societe Generale group to which the data processing controller belongs and given the measures taken to ensure the use of software and the security of IT networks, the processing set out in the paragraph “WHY DO WE COLLECT YOUR PERSONAL DATA?” may involve the transfer of personal data to countries outside the European Union.

In this case, the transfers of your data will be in a precise, demanding context pursuant to standard provisions adopted by the European Commission and which are set up by SOGELIFE and the entity receiving the data outside the European Union as well as appropriate security arrangements ensuring the protection of your transferred personal data.

FOR HOW LONG DO WE RETAIN YOUR PERSONAL DATA?

The length of time that we keep your personal data is limited to the duration of the contract and the period during which data retention is necessary to enable SOGELIFE to comply with its legal obligations and prescription periods.

WHAT ARE YOUR RIGHTS?

You have a right of:

  •          access (the right to request whether and what information we hold about you),
  •          correction (the right to request correction of inaccurate information relating to you),
  •          deletion (the right to request deletion of your data where particular conditions are met),
  •          limited processing,
  •          portability of your data.

The right to your data portability is limited to the data you provided us with and which we process in an automated way (paper documents are therefore not included) in fulfilling a contract or where processing depends on your consent. Data which we create, such as a client or contract number or a profile and any processing to meet our legislative obligations and which is in our legitimate interest such as anti-fraud procedures or market prospecting are excluded from portability rights.

You may also:

  •          withdraw your consent where the processing of your data relies solely on this, with the understanding that this withdrawal may result in SOGELIFE being unable to provide or perform the product or the service requested or subscribed to.

You have a right of opposition:

  •          on the grounds of your individual situation, where the personal data relating to you is subject to processing carried out by us. In this event, the individual nature of your situation is to be clearly set out.
  •          without the need to provide reasons for your request, where your data is used or transferred to third parties for market prospecting.

You may exercise these rights, providing proof of your identity:

  •          By postal mail sent to SOGELIFE, Correspondant à la protection des données à caractère personnel, 11 Avenue Emile Reuter L-2420 Luxembourg
  •          or by email, by sending your signed request to the following address: lu.sogelife-dpo@socgen.com

A downloadable form is available here: link to form

To enable efficient processing of your request we would ask you to clearly state the right which you wish to exercise and any information enabling you to be identified (contract number).

You also have the right to make a claim to the Commission Nationale pour la Protection des Données: 1, avenue du Rock’n’Roll L-4361 Esch-sur-Alzette.