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PRIVACY AND COOKIE POLICY

MAPFRE ESPAÑA, S.A. (hereinafter MAPFRE), with registered office at Carretera de Pozuelo 50, 28222 Majadahonda, Madrid, is the owner of this website and the controller of the personal data provided by users via this website.


Users are hereby informed and consent to the processing of any data they provide while browsing the Website and any data generated by using the website, including, if applicable, any disclosures or international transfers of the data that may take place for the purposes indicated in the “Why do we process your personal data?” section.


If the data provided refers to third-party individuals who are not the user, the user guarantees to have gathered said data with the third party's prior consent to communicate their data, and to have informed them of the purposes of the processing, communications and other terms provided in the Information about Data Protection section prior to providing said data.


Use of the Website by minors under 14 is prohibited. As a result, Users confirm that they are over 14 and that all the data provided are theirs. Minors under 14 who enter their personal data on the forms provided must have prior approval by their parents, guardians, or legal representatives, who are advised that, pursuant to current law, they are considered responsible for all actions carried out by the minors in their care.


Users guarantee the accuracy and truthfulness of the personal information provided, undertaking to keep it duly updated and to notify MAPFRE of any changes.


The use of this website is subject to the Privacy and Processing of Personal Data Policy, to the Conditions of Use and to the Cookies Policy detailed below. Please read them carefully. By accessing this website and using the materials it contains, you acknowledge that you have previously read those policies and terms and conditions, and that you accept them unconditionally.

INFORMATION ABOUT DATA PROTECTION:

MAPFRE takes pains to protect your personal data and process them transparently. To inform you of your rights and allow you to determine how we are able to process your data, we hereby include information on how we process the data you provide through this website.

Who is responsible for processing your personal data?

The information and/or personal data you provide us with are under the management of:

  • Identity: MAPFRE ESPAÑA, COMPAÑÍA DE SEGUROS Y REASEGUROS, S.A., A28141935
  • Mailing address: Carretera de Pozuelo a Majadahonda, nº 50, 28222 – Majadahonda (Madrid)
  • Contact information for the data protection officer: DPO.MAPFRE_ESPANA.es@mapfre.com

What data do we keep?

MAPFRE obtains information about its users. The following information is kept: 

  1. The domain name of the provider (ISP) that gives them access to the network. For example, a user of provider XXX shall be identified with the domain xxx.es.
  2. Time and date of access to our website. 
  3. The internet address of the link to our website.
  4. All identity, contact, financial and personal data, among others, provided on the corresponding form. In the event said data are not provided and are considered necessary, MAPFRE will not be able to respond to your request or query.

Why do we process your personal data?

At MAPFRE, we process the data you provide while browsing and using our website, as well as any data collected in the corresponding forms for the following purposes:

  • If you browse and use our website, we will process your data in order to:
    • Offer you a more personalized experience.
    • Prepare statistics about the countries and servers that visit the website most frequently.
    • Identify the busiest times on the website to make the necessary adjustments to avoid access problems.
    • Identify the effectiveness of the different buttons and links that direct users to our server so as to bolster the ones with the best results.
    • Maintain a log of your activity on the website.
 
  • If you apply for insurance and/or take out an insurance policy, we will process your data to:
    • Carry out the profiling necessary for actuarial/statistical purposes to assess and determine risk according to your circumstances.
    • Assess and determine risk and prevent and investigate risk selection fraud. This may include checking public files including but not limited to the historical automobile insurance file and the public automobile insurance total loss, fire and theft file.
    • View your data in files containing information about your fulfillment of or default on monetary obligations.
    • Maintain and comprehensively manage your relationship at a central location with the MAPFRE Group.
    • Manage insurance activity and/or fulfill the contract or precontract, as well as the related legal obligations.
    • Conduct statistical studies and calculations, surveys, market trend analyses, and quality control.
    • Process, monitor, and update any information requests from any of the different companies belonging to the MAPFRE Group.
  • If you are looking for claims management and benefits, we will process your data to:
    • Assess and determine risk and prevent and investigate fraud in benefits and claims management, even if the insurance contract is not executed or, if applicable, once the contract has been terminated.
  • If you request information, have a suggestion or a complaint we will process your data to get in touch with you.
  • If you subscribe to electronic newsletters, we will process your data to send you communication and news based on the interests you’ve shared with us.
  • If you have opted into receiving commercial communication, we will process your data to send you information and advertising, even electronically, on special offers, products, recommendations, services, promotions, and customer loyalty campaigns from the different companies within the MAPFRE Group responsible for marketing said products. This is done based on a profile created by marketing and statistical studies to ensure that said communication fit your needs and preferences as closely as possible.
 

This website is being measured with Google Analytics and Adobe Analytics solutions such as web analytics, SessionCam and Userzoom, to measure the client experience, as well as Salesforce DMP, Facebook, and Doubleclick to measure the success of the advertising campaigns. All of these solutions use traces on the webpages and anonymous cookies to analyze the information received (for example, number of visits, duration of the visit, behavior on the page, etc.) and, on the basis of the results obtained, use that information to improve the user experience and the digital operational and communication processes.

You can learn more about the privacy policy of Google Analytics at http://www.google.com/intl/es_ALL/privacypolicy.html, Adobe Analytics at https://www.adobe.com/es/privacy.html, SessionCam at http://www.sessioncam.com/privacy-policy-cookies, Salesforce DMP at https://www.salesforce.com/products/marketing-cloud/sfmc/salesforce-dmp-privacy/, Facebook at https://www.facebook.com/customaudiences/app/tos/?ref=u2u and Doubleclick at https://www.google.com/policies/technologies/ads/. 

How long will we retain your personal data?

The personal data provided will be kept for the term determined based on the following criteria: (i) the legal storage obligation; and (ii) the data subject’s elimination request, when applicable.

Once the term has been determined based on legal obligation, the possible scenarios include, but are not limited to, the following:

  • Any data provided for an insurance application can be stored for at least the term of the offer, pursuant to the provisions of Law 50/1980, of October 8, on Insurance Contracts and Law 20/2015, of July 14, on Insurance and Reinsurance Company Organization, Supervision and Solvency.
  • Any data collected to execute an insurance contract, and any data arising from maintenance thereof, will be blocked when they are no longer necessary for the purpose for which they were collected during the period set out by Law 50/1980, of October 8, on Insurance Contracts.

    Said blocking will mean that the data stored will only be made available to Public Authorities, Judges, and Courts by the company as a result of any potential liability arising from the processing, within the statute of limitations.

  • Any data collected to manage your subscription to electronic newsletters will be stored for the period of time you are subscribed to the newsletter.
  • The data collected to respond to information requests, suggestions, or complaints may be stored at least for the period of time the request, suggestion, or complaint is valid.
            


What is the legal basis for processing your data?

  • The legal basis for processing your data for the purposes listed below is consent. Withdrawal of consent has no effect on your insurance application and/or information request:
    • Browsing and use of our website through the cookie settings.
    • Managing your subscription to electronic newsletters.
    • Responding to information requests, suggestions, and complaints.
    • Sending commercial communication via any means based on a profile created with marketing and statistical studies.
  • The legal basis for processing your data for the purposes listed below is our contractual relationship and the fulfillment of the legal obligations applicable to the MAPFRE Group:
    • Managing your insurance application and/or contract and carrying out any processes necessary including creating your risk profile.

Who are the recipients of your data?

MAPFRE ESPAÑA S.A. may disclose your data, solely for the purposes indicated in the section entitled “Why do we process your personal data?” to other companies belonging to the MAPFRE Group (www.mapfre.com), subsidiaries and investee companies, Fundación MAPFRE, and third parties with which we enter into cooperation agreements.


Furthermore, any company belonging to the MAPFRE Group (www.mapfre.com), its subsidiaries or investee companies, may disclose this personal data to any of the aforementioned companies for the purpose of ensuring the comprehensive and centralized management of the data subjects' relationship with the different MAPFRE Group companies. Likewise, the data subjects may benefit from these companies accessing their data, always in compliance with the applicable legislation on personal data protection and with no need to inform them each time the data are first disclosed.

Specifically, you expressly consent to and authorize your data, including health data, to be transferred between the insurance company and the physicians, healthcare centers, hospitals, or other institutions or individuals in order to fulfil, carry out, control, and provide healthcare benefits, reimbursement, or compensation as provided for in the insurance contract; to request or verify with said healthcare providers the causes and medical history that led to the insured party’s collection of benefits, reimbursement, or compensation; and, where appropriate, to recover expenses in compliance with Spanish legislation on the protection of personal data with no need to inform them each time the data are first disclosed.

Within the framework of the disclosures indicated in the previous paragraph, there may be international transfers of data to third countries or international organizations, which may or may not have an adequacy decision from the European Commission on said matters. International transfers to countries that cannot guarantee an adequate level of protection will be exceptions and will only be made when they are essential to .

 

What are your rights when you provide us with your data?

Under the terms and scope set forth in current regulations, any person has the right to:

  • Right of access: confirm whether or not MAPFRE is processing their personal data, and access those data and any information related to their processing.
  • Right to rectification: request the rectification of any incorrect data.
  • Right to deletion: request the deletion of the data when, among other reasons, it is no longer necessary for the purposes for which it was collected, in which case MAPFRE will stop processing the data except for the exercise or defense of possible claims.
  • Right to restriction: request the restriction of the processing of their data, in which case they will only be processed with their consent, with the exception of storage and use for the exercise or defense of any claims, or for the protection of the rights of another natural or legal person or for reasons of important public interest of the European Union or of a Member State.
  • Right to object: object to the processing of their data, in which case MAPFRE will cease to process them, except for the defense against any possible claims.
  • Right to portability: receive the personal data concerning them, which they have provided to MAPFRE, in a structured, commonly used, and machine-readable format or request MAPFRE transmit those data to another controller wherever technically possible.


Moreover, you can always withdraw the consent given, where applicable, for the purposes included in the section entitled "Why do we process your personal data?"—without this affecting the lawfulness of any processing based on the consent given prior to said withdrawal—by sending an email to ocppd@mapfre.com.


These rights of access, rectification, deletion, restriction, objection, and portability may be exercised directly by the data subject or their legal or voluntary representative through the following link: https://www.mapfre.es/seguros/privacidad/lopd.jsp, via the email address ocppd@mapfre.com or by writing a letter to the Corporate Office for Privacy and Data Protection at Carretera de Pozuelo, 52, 28222 Majadahonda, Madrid. This notification must include a copy of the data subject's national identity document or any equivalent document proving their identity.

You are also hereby informed that you may submit a claim to the Spanish Data Protection Agency, especially if you consider that you were not able to properly exercise your rights, via the website authorized for such purposes by the corresponding Supervisory Authority: www.aepd.es.


By continuing to browse this website and, where applicable, clicking on the "SEND/CONTINUE/CALCULATE" button on the data collection forms, you acknowledge that you have read and accepted the above terms and conditions.

 


In the event that automobile insurance is involved, pursuant to the provisions of article 99.7 of Law 20/2015, of July 14, on insurance and reinsurance company organization, supervision, and solvency, the trade organization UNESPA has created the following files:

  • Historical Automobile Insurance File, the purpose of which is risk pricing and selection. The file is created with the information provided by the Insurance Companies, and includes your claims history from the past five years, in the terms expressed in the Third-Party Liability and Insurance Act.

    We would like to inform you that the information regarding your automobile insurance contract and any associated claims will be transferred to said public file.

  • The Public Automobile Insurance Total Loss, Fire, and Theft File, the purpose of this file, which contains information provided by insurance companies, is fraud prevention and detection, both to warn the insurance company at the time the policy is taken out and to detect fraud already committed in claims made.

    The file contains the entirety of the information included in your insurance contract, including your personal information, as well as any claims made and payments received.

Likewise, in order to locate missing vehicles due to theft, CENTRO ZARAGOZA and the Law Enforcement Bodies of the State shall have access to this information, for the sole purpose of carrying out the necessary checks on any vehicles found in order to inform the insurance agency of said vehicle becoming available to the owner, or in the event compensation has been received for the vehicle, to the insurance company.

If you would like to exercise your rights regarding data processed in any of the filing systems mentioned above, contact TIREA, Crta. Las Rozas, El Escorial km 0.3 Las Rozas 28231 MADRID. You must identify yourself with a national ID card, passport or residency card, or another valid identification document. In the event you are acting as a representative, you must also provide express authorization from the data subject, so as to prevent someone other than the data subject from exercising their rights. In the event the address listed in the identification document is different than that where the information is requested to be sent, the documents and correspondence shall be sent to the address listed in the identification document, unless another one is provided and duly confirmed. As this is a very private right, utmost protection must be provided to ensure that said right is only exercised by the interested party, and the privacy and confidentiality of their information are guaranteed.

LIABILITY

MAPFRE ESPAÑA, S.A. accepts no liability regarding the information on this website originating from sources beyond the control of the MAPFRE Group, as well as any content which it has not created itself.

The sole purpose of the links that appear on this page is to inform you about the existence of other relevant information sources on the Internet, where the data provided here may be expanded. Under no circumstances shall MAPFRE ESPAÑA, S.A. be held responsible for any results obtained through these hyperlinks.

LEGAL NOTICE

The owner of the domain is MAPFRE ESPAÑA, S.A., with tax ID A-28141935, registered office at Carretera de Pozuelo, 50, 28222 Majadahonda, Madrid and registered in the Commercial Register of Madrid, Volume 487, Folio 166, Sheet M-9333, Entry 121. Said domain comprises the websites associated with MAPFRE.

CONDITIONS OF USE OF THE WEBSITE

The user undertakes to make good use of the website, with good use meaning in accordance with current legislation, good faith and public order.

You also agree not to use the website for fraudulent purposes, and not to perform any action intended to damage, disable or overload the website, or to prevent, in any way, its normal use and operation. 

The user is informed that, in the event of non-compliance with the Conditions of Use, the Privacy Policy or any other terms or conditions contained on the Website, MAPFRE reserves the right to limit, suspend or block access to the Website using any technical measure that it deems necessary.

Copyright

All rights reserved. The design of the portal and its source codes, as well as the logos, trademarks and other distinctive signs that appear on it, belong to MAPFRE and are protected by the corresponding intellectual and industrial property rights.


The reproduction, distribution, transformation, manipulation, public communication or any other total or partial, free or onerous use of the texts, images or any other content that appears on the website is strictly forbidden without written authorization from the owners of the copyright.


MAPFRE ESPAÑA, S.A. reserves the right to make any changes, variations, deletions or cancellations in the contents and in the form of presentation it deems necessary at any time and without prior notice, either temporarily or permanently, and you must therefore ensure that you are using the latest version at all times. This capability does not entitle you to receive compensation for any damages.

COOKIE POLICY

MAPFRE uses cookies to offer you a better browsing experience that suits your needs and to protect and improve the website. Read this Cookies Policy carefully to learn about the responsible use that MAPFRE makes of them and about the options you have to configure your browser and manage them.

What are cookies?

Cookies are small data files that are created on the user's computer and that allow us to know how frequently they visit, the content they choose most and the security elements that may intervene in controlling access to restricted areas. They also display advertising based on criteria predefined by MAPFRE and activated by the cookies used by said company or third parties providing such services on behalf of MAPFRE.

There are generally two kinds of cookies:


  • Depending on their expiration:
    • Session: They expire when the session ends.
    • Persistent: They do not expire when the session ends.
  • Depending on their source:
    • Origin: Enabled by the website you browse.
    • Third-party: They come from other websites.
  • Depending on their purpose:
    • Technical: browsing and to use different services.
    • Personalization: access to the service with predefined characteristics.
    • Analysis: tracking and analysis of user behavior.
    • Advertising: the management of advertising space.
    • Behavioral advertising: management of advertising space. They store information about user behavior.

What kinds of cookies do we use and for what purposes?

The following types of cookies are used on this website with the following purposes:

1. Analytical Cookies

They are used to collect user activity statistics. Among others, the number of users visiting the website, the number of pages visited as well as the activity of users on the website and their frequency of use are analyzed.

The information collected is always anonymous in such a way that no link can be established between the information and the individual to whom it refers. 

Further information: https://cookiepedia.co.uk/giving-consent-to-cookies

2. Authentication Cookies

They are used for the maintenance of the user session during each visit, being dominant in private environments of the website that require a user and password for access. 

Further information: https://cookiepedia.co.uk/giving-consent-to-cookies

3. Cookies used by social networks

They allow the user to share contents of interest with their social network contacts by ticking the corresponding button (plug-in) on the website. 

The plug-ins store and access the user's terminal cookies and allow the social network to identify its users when they interact with the plug-ins. 

Further information: https://cookiepedia.co.uk/giving-consent-to-cookies

4. Cookies used by external content add-ons

They are necessary to provide certain kinds of services and are stored by third parties.

This category includes, among others, multimedia player cookies used to store technical data for the streaming of video and audio content, such as image quality, data loading parameters, etc.

Further information: https://cookiepedia.co.uk/giving-consent-to-cookies

5. Third party cookies for the personalization of advertising spaces

They make it possible to manage the advertising space that the users view when accessing the website, and they are stored by third parties.

Further information: https://cookiepedia.co.uk/giving-consent-to-cookies

Who has access to cookie data?

The information stored in the cookies is used exclusively by MAPFRE.

Can cookies be disabled?

Except in the case of analytics cookies, the use of cookies has an effect on user privacy since it generally makes it possible to relate content to the connecting IP address and other pertinent user personal data, such as data given voluntarily.

By accepting this Privacy and Cookie Policy, the user consents to the generation of cookies for the above-mentioned purposes.

Notwithstanding the foregoing, if the user wishes to subsequently delete the cookies that have been stored on his/her computer and that require consent, he/she may do so using the tools provided by his/her browser for such purposes. In this sense, depending on the browser, the following links describe the procedure to deactivate cookies:

If the user does not accept cookies or subsequently rejects them, this could affect the functionality of the website.

Changes and updates to the Cookie Policy

MAPFRE and group companies can amend this Cookies Policy according to legislative or regulatory requirements, or in order to adapt said policy to the instructions and recommendations dictated by the regulators. We therefore recommend that you periodically review the Cookies Policy. 

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