Pacifica Broker Privacy Policy
Pacifica Corretora is concerned with your privacy and, therefore, understands the importance of you, as the holder of your personal data, having transparency on how we process your data due to your relationship with us and your navigation on our sites.
1. WHAT YOU NEED TO KNOW BEFORE READING THIS POLICY
We present below some information that will help you better understand a Pacifica Corretora's Privacy Policy. - PRIVACY is the protection of information that concerns your personal life. The subject is provided for in the Federal Constitution, in sectoral legislation (such as the Marco Civil da Internet and its regulatory decree and in the Consumer Protection Code), and in Law 13,709/2018, known as the General Personal Data Protection Law (“LGPD”). ”).
- DATA may be personal data or sensitive personal data.
- PERSONAL DATA is information that allows identifying natural persons (for example, your name, your identity number, your CPF, your address, your bank details, your location).
- SENSITIVE PERSONAL DATA is personal data that reflects more intimate aspects and needs to be more protected. For example, data about your health, your political opinion and your religious beliefs are sensitive personal data.
- DATA HOLDER is the “owner” of the data, that is, the person to whom the data refer. You are the owner of your personal and sensitive data.
- TREATMENT data is any action that can be performed with your data. It includes, for example, access, collection, processing, storage and disposal.
- ANONYMIZATION is the technical procedure used to prevent certain data from being related to a certain person. Anonymized information is not considered personal data.
- COOKIES are files or information that can be stored on your devices (computer or cell phone) when you visit the websites or use the online services, containing, as a rule, the name of the website that you originated, your visit time to the site and a number, which is randomly generated. COOKIES basically reflect your internet browsing history and interests.
2. WHICH DATA ARE PROCESSED?
Within the scope of its activities, Pacífica Corretora processes personal data of its future, current and former customers, employees, business partners, suppliers and service providers, as follows:
(i) provided by the holder (or his representative) and/or obtained by virtue of the contract entered into with Pacífica Corretora : this may be personal data (example: name, identity number, CPF, address, e-mail, current account number and bank branch, location) and sensitive personal data (example: health data, sex life, genetic or biometric data);
(ii) data collected automatically as a result of your browsing on the websites da Pacifica Corretora (example: IP address or your MobileID – identification that each mobile device has); and
(iii) data collected by third parties (eg from insurance intermediaries such as brokers, credit protection agencies or service providers).
3. WHAT DO WE PROCESS YOUR DATA?
Pacífica Corretora processes your data for legitimate and specific purposes, such as:
(i) carry out the negotiations prior to the conclusion of the contract for the products offered by Pacifica Corretora (for example: for quotation and presentation of a proposal for contracting insurance); while your contract is active, for the management and execution of your contract/policy in force; or, even after the end of the contract, in the situations provided for in the items below;
(ii) to comply with obligations imposed by law or by regulatory bodies for the activities of Pacifica Corretora (such as the Superintendence of Private Insurance - SUSEP, the National Supplementary Health Agency - ANS and the Central Bank of Brazil - BACEN, Securities and Exchange Commission - CVM) that can, for example, determine deadlines for keeping documents and/or recording telephone calls;
(iii) exercise the right of defense in administrative, judicial or arbitration proceedings, including responding to complaints nos Procons and other inspection bodies;
(iv) confirm your identification, investigate and prevent possible infractions, irregularities or frauds and also conduct audits, including those related to the sites da Pacifica Corretora ;
(v) develop and improve the features and functionality of Pacifica Corretora 's websites, products and services, to provide a better experience for you;
(vi) in the legitimate interest of Pacifica Corretora , when authorized by law, for lawful purposes and aligned with the needs of Pacifica Corretora ;
(vii) other purposes, through your express authorization (consent), in cases where the law determines.
4. WITH WHOM CAN WE SHARE YOUR DATA?
Pacífica Corretora may share your data in certain situations, always in a transparent manner and in line with the guidelines contained in this Policy. Sharing your data can be done with:
(i) service providers, product suppliers and business partners (such as brokers and service providers) essential for Pacifica Corretora 's activities, who also have an obligation to ensure the protection of their personal data ;
(ii) clients or stipulators of insurance contracts, for the performance of the contract, in which you participate as an insured or beneficiary;
(iii) governmental authorities and bodies as a result of obligations imposed by laws or regulations;
(iv) in the case of transactions involving a Pacifica Corretora , in which those involved also have an obligation to ensure the protection of their personal data;
5. _cc781905-5cde-3194-bb3b- 136bad5cf58d_WHAT HAPPENS TO YOUR DATA AFTER THE END OF YOUR RELATIONSHIP RELATIONSHIP ?
Once the purpose for the processing of your data has been reached, they will be deleted from our internal databases or will be subjected to the anonymization procedure.
However, if Pacífica Corretora still has some justification for maintaining the data, they will be retained for the period necessary to comply with a legal or regulatory obligation, to exercise the right of defense in judicial, administrative or arbitration proceedings, or even, in certain situations, in the legitimate interest of Pacifica Corretora (such as to avoid infringements and fraud).
6. O QUE A PACÍFICA CORRETORA NÃO FAZ COM OS SEUS DADOS?
Pacífica Corretora does not sell, transfer or give access to your data to third parties, except to comply with the provisions of item 4 of this Policy.
7. QUAIS TIPOS DE COOKIES A PACÍFICA CORRETORA UTILIZA?
Pacifica Corretora only uses essential COOKIES
(i) to the navigability of their sites, allowing the pages of Pacifica Corretora 's environments to load correctly and
(ii) to improve your experience with our sites e services, allowing you to use all available features.
By using our services and channels, you agree to the COOKIES used by Pacifica Corretora , as per the notice contained on our websites.
8. WHAT ARE THE RIGHTS OF THE OWNERS?
LGPD grants you the following rights with respect to your data:
(a) confirm whether your data is being processed;
(b) have access to the data being processed;
(c) correct data that is incomplete, inaccurate or out of date;
(d) anonymize, block or eliminate data that is unnecessary, excessive or processed in violation of the proposed purpose and with applicable laws;
(e) transfer, through the portability procedure, your data to another provider;
(f) eliminate the processed data, except in situations of legal custody and others provided for by law;
(g) obtain information about the public or private entities with which your data is shared;
(h) obtain information about the possibility of not providing your consent, when this modality is applicable, and the consequences, in case of refusal;
(i) revoking the consent given;
(j) review decisions made solely on the basis of automated processing of data that affect your interests, respecting commercial and industrial secrets, such as fraud prevention criteria.
The fulfillment of your requests by Pacífica Corretora will always take into account the respect for the applicable legislation, and in the impossibility of fulfillment, the answers will be justified.
Pacífica Corretora understands that, as the holder of your personal data, you must have knowledge and transparency about your data and the way in which it is treated and, therefore, makes available the Portal https://www.pacificacorretora.com. br/reclamacoes to receive requests related to your data.
9. COMO A PACÍFICA CORRERTORA CUIDA DOS SEUS DADOS?
Your personal data is safe with Pacífica Corretora , which takes all the necessary technical measures to protect your data, such as:
(i) restricted control over access to data, by defining the responsibilities of the people who will be able to access them;
(ii) establishment of data access authentication mechanisms;
(iii) password policy, with strong password standardization and with the obligation to change passwords periodically, preventing the reuse of previous passwords and blocking for unsuccessful attempts;
(iv) the environments where we process your data are monitored through a detailed inventory of access to connection logs and access to applications;
(v) use of records management solutions through techniques that guarantee data inviolability, such as encryption;
(vi) secure data disposal mechanisms, eliminating the possibility of restoration;
(vii) maintaining an up-to-date inventory of all stored, processed, or transmitted data.
10. A PACÍFICA CORRETORA TRATA DADOS FORA DO PAÍS?
Pacífica Corretora is a company based and operating in Brazil, but some specific types of processing of personal data may be carried out in other countries, when necessary for the performance of your contract (for example, in a travel insurance) or for specific services. contracted by Pacifica Corretora , such as cloud data storage.
Even in these situations, service providers hired by Pacífica Corretora will be subject to the applicable legal obligations.
11. WHICH LAW APPLICABLE TO THIS PRIVACY POLICY?
This Privacy Policy will be interpreted in accordance with applicable Brazilian law and any matter arising from this Policy must be submitted for judgment in the court of the District of the Capital of Belo Horizonte.
12. TO WHOM DOES THIS POLICY APPLY?
This Policy applies to Pacífica Adm e Corretora de Seguros Ltda ., a company registered with the CNPJ under n. 33,119,968/0001-90.
13. CAN THIS POLICY BE CHANGED?
Pacifica Corretora reserves the right to update and change this Policy at any time. For updated terms, please visit our websites.
14. STILL HAVE DOUBTS?
If necessary, contact us through the official communication channels published on the Pacifica Corretora website.
What is GDPR?
A.: The General Data Protection Law (“LGPD”) aims to establish the rules that must be followed so that the processing of personal data takes place without violating people's privacy.
What is personal data?
A.: Personal data is any information that identifies (name, cpf, identity) or that can identify (geolocation, consumer profile) the “owner” of the data (conceptualized by LGPD as “holder”).
GDPR protects both digital and physical data.
Data from companies (legal entities), such as CNPJ and corporate name, are not subject to LGPD.
What is data processing?
A.: Any activity that can be carried out with personal data, which includes from collection to elimination, also including sharing, use and storage. If, in any way, your personal data is accessed or is being used, it is being “processed”.
What is consent?
A.: It is your authorization, required in certain situations, for your data to be processed.
It is important to understand that there are other provisions (which the LGPD calls “legal bases”) that authorize the processing of your data and, for this reason, consent is not necessary.
In which situations is it possible to process personal data?
A.: In order to process personal data, it is necessary to be faced with one of the situations provided for in the LGPD (legal basis). The main ones are:
- For the fulfillment of an obligation contained in law or regulation (example: ANS rule);
- For the execution of the contract with the data subject;
- To exercise the right to defend oneself in judicial, administrative or arbitration proceedings;
- In the legitimate interest of the person who processes the data or third parties;
- With the consent of the data subject.
What are the principles that guide the LGPD?
A.: The main guideline contained in the LGPD is transparency with the data subject about the processing of data.
Other important guidelines refer to the purpose (it is necessary to have a clear objective in the processing of the data), necessity (only the data that is really necessary to achieve the objective can be processed) and adequacy (the treatment that will be made of the data must be adequate to the goal).
Who are the treatment agents and what are their characteristics?
A.: LGPD presents the Controller and the Data Operator as processing agents. In short, the Controller has the responsibility to define what can be done with the data, while the Operator must obey the Controller's orders when processing data at his discretion.
What are the rights of data subjects?
A.: The LGPD brings several rights that can be exercised by the holders in relation to their data, the main ones being:
- Confirm that the company processes your data, have access to what the company does with your data and with whom it shares it;
- Request correction of wrong or outdated data;
- Request the deletion of data that are unnecessary for the stated purpose or that are excessive;
- Revoke (cancel) the consent given in situations where it was requested for the processing of data.
The data subject will request the exercise of the right to the Controller, which will analyze whether or not it can comply (for example: the data subject can request the deletion of data that it deems unnecessary, but the data subject may have a legal obligation to maintain this given for a period).
What are the technical and information security measures necessary to ensure compliance with the LGPD?
A.: The LGPD does not list the technical and information security measures that must be adopted by companies. However, to protect the personal data we process, ensure compliance with the law and prevent incidents (such as unauthorized access, data loss and leakage), Pacífica Corretora adopts the best information security techniques, compatible with the best market practices.
What changes with the LGPD?
A.: Pacífica Corretora continues to take care of its customers' data responsibly, with the aim of providing, in the best possible way, the contracted services. In the process of adapting to the LGPD, some internal procedures were reviewed and improved in order to ensure greater protection of personal data.