EURO Polis Privacy Policy

This Privacy Policy describes how the EURO Polis website processes personal data when providing information about insurance products, receiving applications, offering консультации, and facilitating the conclusion of insurance contracts.

Personal data is processed in accordance with Regulation (EU) 2016/679 (GDPR), the laws of the Republic of Latvia on personal data protection, and other applicable EU legislation.

Insurance services are provided with the involvement of:

ERGO Insurance SE Latvijas filiāle

Registration number: 40103599913

Address: Skanstes iela 50, Riga, LV-1013, Latvia

Insurance intermediary:

Rižova Ludmila

Phone: +371 22355307

Email: ludmila.rizova@ergo.lv

Country of operation: Latvia

Depending on the specific activity, the data controller may be the insurer, the insurance intermediary, or each of them within their respective scope of responsibility.

EURO Polis may process the following categories of data:

• first name, last name, company name;
• personal identification number, registration number, or other identifier where required for insurance purposes;
• contact details: phone, email, address;
• vehicle data: registration number, VIN, make, model, documents;
• insurance contract data: product, period, territorial scope, premium, policy number;
• limited payment data: payment status, amount, date, purpose;
• correspondence, requests, applications, and documents provided by the user;
• technical data: IP address, cookies, browser, device, date and time of website access.

EURO Polis does not store full bank card details. Payment data is entered directly with the bank or payment service provider.

Personal data is processed for the following purposes:

• processing user applications;
• selecting appropriate insurance products;
• transferring data to the insurer;
• concluding and administering insurance contracts;
• issuing and delivering policies;
• processing payments;
• responding to inquiries and complaints;
• compliance with legal obligations;
• ensuring website security;
• internal record-keeping;
• protection of rights and legitimate interests;
• analytics and marketing — only where a valid legal basis exists.

Processing is carried out on the following legal bases:

• performance of a contract and pre-contractual measures;
• compliance with legal obligations;
• legitimate interests (e.g., protection of rights, fraud prevention, website security);
• user consent (e.g., for marketing communications or non-essential cookies).

Users may withdraw consent at any time. Withdrawal does not affect the lawfulness of processing carried out prior to withdrawal.

If a user provides personal data of third parties (e.g., drivers, company representatives, vehicle owners, beneficiaries), the user confirms they have a lawful basis for such transfer.

EURO Polis is not responsible for unlawful disclosure of third-party data by the user.

Personal data may be shared with:

• the insurer;
• payment providers and banks;
• IT service providers, hosting providers, and technical contractors;
• analytics and communication service providers;
• public authorities where required by law;
• legal advisors, auditors, and other professional consultants where necessary to protect rights.

Data is shared only to the extent necessary for the relevant purpose.

If personal data is transferred outside the European Union or the European Economic Area, such transfers are carried out only where an appropriate legal safeguard exists, including adequacy decisions, Standard Contractual Clauses (SCC), or other mechanisms предусмотренные GDPR.

Personal data is retained no longer than necessary for the purposes of processing.

Indicative retention periods:

• applications and correspondence — up to 3 years after completion of interaction;
• insurance-related documents — for the duration of the contract and the period necessary to protect legal rights;
• payment and accounting records — in accordance with legal requirements;
• technical logs — typically up to 12 months unless a longer period is required for security or investigations;
• marketing data — until consent is withdrawn.

After the retention period, data is deleted, anonymized, or archived where required by law.

The EURO Polis website uses cookies and similar technologies.

Strictly necessary cookies are used to operate the website. Analytics and marketing cookies are used only with user consent.

Detailed information is provided in the separate Cookie Policy.

Under GDPR, users have the right to:

• access their personal data;
• request correction of inaccurate data;
• request erasure;
• restrict processing;
• object to processing;
• data portability;
• withdraw consent;
• lodge a complaint with a supervisory authority.

To exercise your rights, contact: ludmila.rizova@ergo.lv.

Users have the right to lodge a complaint with the Latvian supervisory authority:

Data State Inspectorate (Datu valsts inspekcija)

Official website: dvi.gov.lv

EURO Polis implements appropriate technical and organizational measures to protect personal data against unauthorized access, alteration, disclosure, loss, or destruction.

Data transmission via the website is secured using HTTPS encryption.

Users may receive communications via email, phone, messaging apps, or other channels used or agreed with the user.

Marketing communications are sent only where a valid legal basis exists. Users may opt out at any time.

EURO Polis may update this Policy in response to changes in legislation, website functionality, services used, or data processing practices.

The current version is published on the EURO Polis website.

For questions regarding personal data processing:

Rižova Ludmila

Email: ludmila.rizova@ergo.lv

Phone: +371 22355307

Insurer:

ERGO Insurance SE Latvijas filiāle

Registration number: 40103599913

Address: Skanstes iela 50, Riga, LV-1013, Latvia