Privacy Policy

1. This privacy policy ("Privacy Policy") governs the processing of your personal data as part of your use of our website (the "Website") and related services (commonly referred to as the "Services"). This processing is carried out by RGF Group companies that are registered as intermediaries in the categories "Insurance Intermediaries," "Consumer Credit and Mortgage Intermediaries," and "Banking and Financial Services Agents" in the registers of intermediaries maintained by the FSMA under the registration numbers RGF Insurance 0455.961.267 – RGF Life 0689.818.468 – RGF Advices 0871.765.031 – RGF Loans 0544.890.372 – RGF Financial Services 0737.984.710, the registered office of the above-mentioned companies is located at Sentier du Lièvre 95 – 4053 Embourg – Belgium, in accordance with the legislation in force regarding the protection of personal data.
2. By using our website and/or Services, you declare that you have carefully read this Privacy Policy and accept it without reservation. We reserve the right to modify this Privacy Policy regularly at our own discretion. Such modifications will be communicated via the website.
3. Cookies or other similar technologies may be used as part of the website or services. Cookies are text files placed on a device's hard drive and contain certain information, including personal data in some cases. You can find more information about the use of cookies in our Cookie Policy.
4. This Privacy Policy was updated on July 12, 2024.

What data do we process and why?

1. When you use the Website and/or Services, we process personal data about you:
   • When? Use of Services, use of the website
   • What? Identification data
   • Why (purpose)? Processing of the request
   • Legal basis? Legitimate interest
   • When? Contact us, request a quote, subscribe to our newsletter, request brochures or information
   • What? Identification data
   • Why (purpose)? Sending related information and supplements
   • Legal basis? Authorization
2. In principle, we obtain the personal data mentioned above directly from you. In addition to the above, we may also process your personal data:
   • In order to provide you with personalized and efficient information about the products and services you request, either via the website, by email, by phone, or via social media.
   • To process your personal data in order to provide you with the correct service.
   • For direct marketing purposes, to provide you with targeted communications, promotions, offers, and other announcements from us or our selected partners. We will ask for your permission to do so.
   • To perform statistical analyses aimed at improving our website and/or Services, or to develop new products and services.
   • To provide them to the police or judicial authorities as evidence of possible crimes, or if there are reasonable grounds to suspect that an illegal act or crime has been committed through your registration or use of the website or Services.
   • We process your data related to a claim so that we can manage it.

Do we share your data?

1. We may use external subcontractors to provide you with the most functional website possible. We ensure that subcontractors can only process your personal data on our behalf and only on written instruction.
2. We may use external subcontractors for your requests for quotes made via our website that do not meet the acceptance criteria of our insurance, banking, and credit partners.

Where do we process data?

1. We process your personally identifiable data only within the European Union.

How do we process data?

1. We will make every effort to process your personal data only to the extent necessary to achieve the purposes mentioned in this policy. We will process your personal data in a lawful and transparent manner. We will also make every effort to keep personal data accurate and up to date.
2. Your personal data will be processed until you revoke your consent to its processing. Revoking your consent may result in you being unable to use some or all of the website's services. If you have registered on our website, we will delete your personal data when you delete your profile, unless we are prevented from doing so by a legal or regulatory obligation or a court or administrative order.
3. We will take appropriate technical and organizational measures to protect your personal data against unauthorized access or theft and against accidental loss, manipulation, or deletion. Access by our staff is only possible on a "need-to-know" basis and is subject to strict confidentiality requirements.

Your rights regarding personal data

1. You have the right to request access to all personal data that we process about you. Access requests that are submitted with the clear intention of causing us nuisance or damage will not be processed.
2. You have the right to request that any incorrect and inaccurate personal data concerning you be corrected free of charge. If you have registered on our website, you can correct much of your data yourself via your profile. If such a request is made, you must include proof that the personal data for which you are requesting correction is incorrect.
3. You have the right to revoke your prior consent to the processing of your personal data. This can be done by sending an email to[email protected].
4. Instead of deletion, you may also ask us to restrict the processing of your personal data if (a) you contest the accuracy of the data, (b) the processing is unlawful, or (c) the data is no longer needed for the aforementioned purposes, but you need it to defend yourself in legal proceedings.
5. You have the right to object to the processing of data if you can demonstrate that there are serious and justified reasons related to special circumstances that justify such an objection. If the purpose of the processing is considered to be direct marketing, you have the right to object to such processing free of charge and without justification.
6. When your personal data is processed on the basis of authorization or on the basis of a contract and the processing is carried out using automated means, you may receive your personal data in a structured format.
7. If you wish to submit a request to exercise one or more of the above rights, you can send an email to [email protected]. You must clearly specify in this request which right you wish to exercise and why. It must be dated and signed and accompanied by a scanned copy of your identity card. If the request is justified, we will respond as soon as possible and within a reasonable time, and no later than thirty (30) days after receipt of the request.
8. You can contact us at any time if you have a problem regarding the processing of your personal data by us. If you are not satisfied with our response, you can always lodge a complaint with the competent data protection authorities, the Belgian Privacy Commission.