Privacy Policy

Last Updated: 12/12/2024

Star Consulting Levante S.L., operating as 247 Expat Insurance, is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, share, and protect your personal information when you interact with our website, www.247Expatinsurance.com (“the Site”) or use our services. By using our Site and services, you agree to the terms outlined in this Privacy Policy.

1. Data Controller

Identity: Star Consulting Levante S.L.

Tax ID (CIF): B05454194

Registered Address: Calle Ortega y Gasset, 9, 6º, 30009, Murcia

Telephone: +34 868 290 730

Data Protection Officer (DPO) Contact: legal@platinumlegalspain.com

2. Information We Collect and How We Use It

We collect personal data directly from you, automatically through your use of our Site, and from third-party sources for specific purposes. Our processing complies with current data protection regulations and focuses on the fair and lawful handling of your data.

2.1 Information You Provide Directly

We collect information you provide when you request quotes, apply for insurance, or contact us for customer support, including:

• Personal Identification: Name, email, phone number, address, NIE number, Driving license number, date of birth, residency status, .
• Insurance Information: Any data necessary to assess your insurance needs and process applications.
• Preferences and Interests: Information you provide to help us tailor products and offers to your needs.

2.2 Automatically Collected Information

We use cookies and tracking technologies (e.g., Google Analytics, Facebook Pixel) to enhance functionality, improve our services, and analyse traffic. Automatically collected information includes:

• Device and Usage Data: IP address, browser type, operating system, page visits, and referring URLs.
• Tracking Data: Cookies, pixels, and other tracking data to understand how you interact with our Site and improve your experience.

3. Purposes, Lawful Basis, and Retention

We process your data for the following purposes:

1. Provision of Insurance Services and Customer Support

• Purpose: To assess insurance needs, provide quotes, manage policies, process claims, and deliver customer service.
• Lawful Basis: Processing is necessary for the execution of a contract with you and to comply with legal obligations under insurance regulations, including Law 50/1980 on Insurance Contracts and Law 20/2015 on the Regulation, Supervision, and Solvency of Insurance Companies.
• Retention: Data is kept for the duration of the contract and for any legally mandated period (up to 10 years for compliance with anti-money laundering regulations).

1. Marketing and Profiling

• Purpose: We use your information to provide targeted offers and marketing related to our products and services, including insurance quotes, new offerings, and relevant information from affiliated companies within the Star Consulting Levante S.L. group.
• Lawful Basis: Our legitimate interest to keep you informed of relevant products and services, as well as to enhance customer experience.
• Retention: Data is retained for marketing purposes as long as you do not object, and for up to two years after your relationship with us ends.

1. Internal Business Use and Analytics

• Purpose: We use personal data across departments within Star Consulting Levante S.L. to improve services, facilitate inter-departmental service offerings, and carry out analytics for business improvement.
• Lawful Basis: Our legitimate interest to optimize service offerings and improve user experience.
• Retention: Data collected for analytics is retained according to standard industry practices and may vary depending on the type of data.

1. Compliance and Legal Obligations

• Purpose: To comply with legal obligations, including fraud prevention and anti-money laundering regulations.
• Lawful Basis: Legal obligations required by national and EU regulations.
• Retention: Personal data for compliance purposes is retained for the legally mandated period.

4. Data Sharing with Third Parties

We may share your personal data under the following circumstances:

• Service Providers and Partners: For processing quotes, claims, and to provide customer support. This includes partners such as reinsurance companies, banks for premium collection, and affiliate companies for inter-departmental services.
• Affiliates and Group Companies: Data may be shared within the Star Consulting Levante S.L. group for customer support and marketing of relevant services.
• Legal Compliance: We may disclose your information as required by law to regulatory bodies, law enforcement, and government authorities.

Note: All data transfers are conducted within the European Union (EU), and we do not transfer your data outside of the EU.

5. Data Retention and Deletion

We retain your data only as long as necessary to fulfil the purposes for which it was collected and to comply with legal, regulatory, or contractual obligations. You may request data deletion by contacting us at info@247expatinsurance.com, provided that data is no longer necessary for legal or regulatory compliance.

6. Your Privacy Rights

You have the following rights regarding your data:

• Access: Request access to the personal data we hold about you.
• Rectification: Correct inaccurate or incomplete data.
• Erasure: Request deletion of your data when no longer needed.
• Restriction: Request restriction of processing in certain cases.
• Portability: Request a copy of your data in a structured format.
• Objection: Object to processing for direct marketing purposes.

To exercise your rights, contact us at info@247expatinsurance.com with a copy of your identification.

7. Cookies and Tracking Technologies

Our Site uses cookies and similar tracking tools to enhance user experience and analyze traffic. Cookies allow us to remember your preferences and deliver targeted ads. You may manage cookies through your browser settings. For more details, please refer to our [Cookie Policy]([Link to Cookie Policy]).

8. Security Measures

We implement appropriate security measures, including encryption, access controls, and secure servers, to protect your data from unauthorized access, alteration, or disclosure.

9. Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our data practices or legal requirements. We encourage you to review this policy regularly. Updates will be posted on our Site with the effective date.

10. Contact Us

For questions about this Privacy Policy or to exercise your data rights, please contact us at:

Star Consulting Levante S.L.

Address: Calle Ortega y Gasset, 9, 6º, 30009, Murcia

Telephone: +34 868 290 730

Email: info@247expatinsurance.com