1. Legal information regarding RibéSalat
The following information is provided in compliance with the provisions of Royal Decree-Law 3/2020, of 4 February, transposing Directive (EU) 2016/97 of the European Parliament and the Council of 20 January 2016, on the distribution of insurance policies in the European Union, into Spanish Law, with the aim of disclosing to customers the details that identify RibéSalat in legal transactions; the links that it may have with insurance companies through corporate holdings; the regime governing its activity and remuneration for brokerage services; and the procedures for handling their complaints.
RIBÉ SALAT BROKER, CORREDURÍA DE SEGUROS Y REASEGUROS S.L. (“RibéSalat”) is an insurance and reinsurance broker with registered premises at Avenida. Diagonal 622 (entresuelo), 08021 Barcelona, and Tax ID number B58868019. Listed in the Barcelona Commercial Register, Volume 25,406, Folio 132, Sheet B-88,824, and in the Administrative Register of Insurance and Reinsurance Distributors of the Directorate-General for Insurance and Pension Funds, under codes J-625 and RJ-39. RibéSalat has a civil liability insurance policy and has the necessary financial capacity, as specified in Royal Decree-Law 3/2020.
1.2. Relationship with insurance companies
RibéSalat does not hold a stake of more than 10% in the share capital or in the voting rights of any insurance company; nor does any insurance company have a direct or indirect stake of more than 10% in the share capital or voting rights of RibéSalat.
1.3. Nature of the activity
RibéSalat engages in insurance brokerage, subject to the principles of honesty, fairness and professionalism, on behalf of and representing the interests of its customers vis-à-vis insurance companies. RibéSalat offers the customer independent, professional and impartial advice, based on the objective analysis of a sufficient number of insurance contracts available on the market, so that it can make a personalised recommendation with regard to the insurance contract that best meets the customer’s needs for the proper cover of the risks specified by the latter.
When the insurance contract has been signed, or any of its extensions agreed, RibéSalat will inform the customer of any alteration in the price of the policy resulting from changes in the risk, the sums insured or any other circumstances. Similarly, the customer will always be informed when the insurance contract is modified or extended, if changes have occurred in the information initially provided.
RibéSalat’s remuneration for its insurance brokerage services may consist of a fee paid by the insurance company, the amount of which is included in the insurance premium, and/or professional fees to be paid by the customer. In the latter case, fees will only be payable when these have been expressly accepted by the customer, after RibéSalat has submitted the relevant service proposal.
1.5. Conflict resolution mechanisms
In the event of a complaint or claim regarding the services of RibéSalat, you can call the company on 932 415 050 / 900 052 051 or contact the Customer Service Department at INADE (Instituto Atlántico del Seguro), Calle La Paz 2, 36202 Vigo , Phone: 986485228, email@example.com. You can also contact the Complaints Service of the Directorate-General for Insurance and Pension Funds, making your claim in accordance with legally established procedures (www.dgsfp.mineco.es)
2. Information relating to the use of personal data
The following information is provided for the purposes set out in Article 13 of Regulation (EU) 2016/679 of the European Parliament and the Council, of 27 April 2016, on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (GDPR) and Article 11 of Organic Law 3/2018, of 5 December, on Personal Data Protection and the Guarantee of Digital Rights (LOPDGDD), in order to make information regarding the use of personal data by Ribé Salat available to interested parties.
2.1. Data controller
In accordance with the provisions of Article 203 of Royal Decree-Law 3/2020, of 4 February, transposing Directive (EU) 2016/97 of the European Parliament and the Council of 20 January 2016, on the distribution of insurance policies in the European Union into Spanish Law, RibéSalat will be responsible for the use of personal data collected from the customer to prepare a proposal for insurance and subsequently sign the policy agreement and data collected as a result of the legal relationship between the customer and the broker.
The purpose of processing personal data is to maintain the legal relationship between RibéSalat and the interested party, including the execution of normal insurance brokerage activities, such as preparing a proposal or carrying out work prior to the signing of an insurance contract, the formalisation of such contracts and assistance with their management and execution, including assistance with claims, and to send customers commercial information on insurance products marketed by RibéSalat.
The interested party will have the right to object to the use of their data at any time, provided that this is not necessary for the fulfilment of the contract. Opposition to the use of the data will not affect the lawfulness of their use based on contractual consent prior to the exercise of the right of opposition.
The legal basis for the use of data by RibéSalat is that provided for in Article 6.1 b) and f) of the GDPR, such use being necessary for RibéSalat to be able to provide advice before a particular insurance contract is signed, for the preparation, formalisation and management of such contracts and, in general, the contractual relationship between the parties, as well as the legitimate interest of the party responsible for sending commercial information on products of the same nature as those that have been contracted.
RibéSalat may disclose the details of the interested party to insurance companies in order to provide advice, make proposals or carry out work prior to the formalisation of an insurance contract, the formalisation of such contracts, or assistance with the management and execution of contracts, including assistance with claims. The data controller may also disclose data to third parties when necessary to fulfil the legitimate purposes of their use.
The personal data collected by RIBÉ SALAT will be kept while they need to be used, after which they will be deleted, appropriate security measures being adopted to ensure the pseudonymisation or total destruction of the data.
2.6. Rights and complaints
Customers may exercise the rights to access, rectify, delete and transfer their data, or oppose or limit their use, by contacting the data controller by post or e-mail at the following addresses: Avenida Diagonal, 622 entresuelo, 08021 Barcelona; firstname.lastname@example.org Customers may also request information on their rights and, where applicable, lodge a complaint with the Spanish Data Protection Agency, at Calle Jorge Juan 6, 28001 Madrid or via its website www.aepd.es
2.7. Additional information
Customers can request additional information or make any enquiry regarding RibéSalat’s data protection policy by sending an e-mail to email@example.com or by using the contact form provided on the website www.ribesalat.com