Terms and conditions of our website
Protecting and keeping your personal data confidential
Privacy and privacy
This requested information is necessary to help you and ensure the best service. They are communicated to our contractual partners involved in the execution of our services.
Personal data concerning members (or persons who are parties or interested in the contract) are treated in accordance with the amended Computer and Freedoms Act of 6 January 1978, the European regulation n° 2016/679 / EU of April 27, 2016 and the standards set by the CNIL.
Their treatment is necessary for the awarding, management and execution of the contract and guarantees, the management of commercial and contractual relations, the management of the risk of fraud or the enforcement of legal, regulatory or administrative purposes, according to the detailed purposes below.
Rights of access, rectification, suppression and opposition
The above-mentioned persons have, by justifying their identity, a right of access, correction, suppression and opposition without charge by mailing to the security service of our group: DIXIAL, 19 Rue des Longs Prés, 92100 BOULOGNE – FRANCE.
Contract ing, execution and business management of customers and prospects
Data about prospects and members (or who is involved in the contract) is necessary for the management of commercial and contractual relationships.
This information is intended, within the limits of their remit, to the usual advisor or contact, to the services of the insurer in charge of the commercial management or the contracting of each guarantee and its delegates, intermediaries, agents, service providers and subcontractors, or to the other entities of the DIXIAL Group in the course of carrying out their missions.
They may also be passed on to the insurance agencies of those involved or offering additional benefits, to co-insurers, reinsurers, professional organizations and guarantee funds, as well as to all persons contract participants such as lawyers, experts, court assistants and departmental officers, curators, guardians, investigators, health professionals, Medical Advisors and authorized staff, to social agencies when they intervene in the claims and benefits or when the insurer offers coverage that is complementary to those of social plans.
Information about members may also be passed on to anyone interested in the contract (contracting, insured and beneficiary of the contract and their rights holders and representatives, to the beneficiaries of a transfer or subrogation of the rights relating to the contract and, where appropriate, to the officials and their agents, to the third parties interested in the performance of the contract), as well as to all persons entitled under the title of Third Parties (courts, arbitrators, mediators, relevant ministries, supervisory and supervisory authorities and all public bodies entitled to receive them as well as to the services in charge of control such as auditors, auditors and internal control services).
Fighting insurance fraud
The member (or any person who is or is interested in the contract) is also informed that a scheme aimed at combating insurance fraud is being implemented, which can, in particular, lead to the inclusion on a list of persons presenting a risk of fraud, registration that may have the effect of lengthening the study of their file, or even the reduction or refusal of the benefit of a right, a benefit, a contract or service proposed by the Group’s entities and its insurance partners. In this context, personal data concerning members (or persons parties or interested in the contract) may be processed by any authorized persons involved in the Dixial Group entities and its insurance partners. as part of the fight against fraud. This data may also be intended for authorized staff of agencies directly affected by fraud (other insurance or intermediary bodies; social or professional bodies; judicial authorities, mediators, arbitrators, auxiliaries of justice, ministerial officers; third-party organizations authorized by a legal provision and, if necessary, victims of fraud or their representatives).
Combating money laundering and terrorist financing
To meet its legal obligations, our insurers implement surveillance treatments aimed at combating money laundering and terrorist financing and the application of financial sanctions.
Collecting and processing health data
Any insured person expressly accepts the collection and processing of health data. This data is processed in accordance with medical confidentiality rules. They are exclusively intended for the insurer’s medical advisor or Dixial’s entities in charge of the management of guarantees, its medical service or the internal or external persons specifically authorized (including its delegates or experts medical services). This information can also be used in the fight against fraud by authorized persons.
If the Vitale card is used, the insured person authorizes the health care professional to send the insurer an information statement to enable the implementation of the contract’s benefits. It also authorizes the exchange of information with its compulsory social protection scheme for the sole purpose of the treatment of benefits.
Transferring information out of the European Union
Personal data about the member (or persons who are parties or interested in the contract) may be transferred to countries outside the European Union, which are informed hereby. provisions and they expressly authorize.
These transfers are carried out in the context of the performance of the contract and the relationship with the insurer, compliance with legal or regulatory obligations, management of actions or litigation allowing the insurer to insure the finding, the exercise or defence of one’s rights in court or for the purposes of the defence of the persons concerned (according to the exceptions covered by article 69 of the Computer Science and Freedoms Act).
These transfers are carried out in accordance with legal requirements, the directives of the European Commission and the CNIL, and may, if necessary, be subject to specific legal frameworks by DIXIAL and its insurance partners to ensure a specific adequate level of protection of personal data.
This information (strictly limited) is intended for only the recipients who are likely to intervene within the framework of the purposes provided for in the contract and described above.
Personal data about the member (or persons or those interested in the contract) is also likely to be used and exploited by DIXIAL and its insurance partners (or their subcontractors) for purposes statistics or studies, in particular with a view to evolving their product and service offerings, personalizing its relationships with the people considered, better knowledge of the market and competition or innovations.
This data may be associated, combined or include personal data about the member (or persons involved or interested in the contract) collected automatically or communicated by the interested parties, even when browsing the website, using certain features of this site or the mobile app. They can also be combined with statistical or aggregated data from different internal or external sources.
All personal data is treated in accordance with existing regulations, including privacy and privacy.
Terms and conditions of use of our online subscription application and websites
Our online insurance quote and underwriting application is designed to make insurance contracting easier. DIXIAL would not be held responsible in the event of non-functioning or malfunctioning of the application.
Insurance contract guarantees are presented to facilitate the selection of the best insurance contract. The details of the guarantees are specified in the terms and conditions of the contract, which remain the reference for the implementation of the guarantees of each contract.
The rates shown in the quote results are subject to change without prior warning and are only valid when the quote is displayed. The purchase of an insurance policy is deemed to have been acquired when you receive the insurance certificate. DIXIAL cannot be held liable in the event of non-receipt of this certificate. You should contact us as soon as possible if you do not receive a contract confirmation after an online payment of your insurance.
We will do our best to ensure the availability of the application. However, due to the nature of the internet, this cannot be guaranteed. Your access to our app may occasionally be suspended or limited to allow repairs, maintenance, or add a new feature or service. We will endeavour to limit the frequency and duration of these suspensions or limitations.
When you arrive on the site, several cookies are installed on your hard drive. These cookies are small text files that cannot hide viruses or be run.
Their presence allows the navigation session to be properly managed and to measure the number of visits, the number of page views and the activity of visitors to the site and their frequency of return in order to adapt the site to the requests of its visitors.
Use and protection of our apps and websites
If you use our services, you are responsible for maintaining the confidentiality of your account and password in case an account is opened, restrictions on access to your computer and other equipment, and within the limits of what is authorized by law. you agree to be responsible for all activities that have been carried out from your account or with your password. You must take all necessary steps to ensure that your password remains confidential and secure, and must notify us immediately if you have reason to believe that your password is known to someone else, or if the password is used or likely to be used in an unauthorized manner. You are responsible for the validity and completeness of the information you have provided to us, and must inform us of any changes regarding this information.
DIXIAL offers links to external websites; their content cannot in any way be held liable.
You must not use our services in a way that would cause, or would cause, or cause, interruption, damage, or alteration of our service, or for fraudulent purposes, or in connection with a crime or illegal activity, or for the purpose of cause disorder, nuisance or anxiety.
We reserve the right to refuse access, close an account, remove or edit content if you are in violation of applicable laws, conditions of use or any other terms, conditions, guidelines or policy of privacy of the data.
When you use our service or send us emails, SMS or other communications from your fixed or mobile devices, you contact us electronically. We will communicate with you electronically through various means, such as by email, SMS, notification messages in the application or by posting emails or communications on the website or through our others. Services. For contractual purposes, you agree to receive electronic communications from us and you agree that all agreements, information, disclosures and other communications that we will send you electronically fulfill all legal obligations of written communications, unless a specific mandatory law imposes an alternative mode of communication.
Intellectual property and copyright
The reproduction of all or part of the content of the site is prohibited, unless specific permission from DIXIAL The information is presented for informational purposes and cannot commit DIXIAL to its use.
All content present or made available through our service, such as texts, graphics, logos, buttons, images, digital downloads, and data compilations, is owned by DIXIAL or its content providers and is protected by French and international intellectual property, authorship and database protection law. Our websites: welcomeprotection.com, mondassur.com, europusa.com, France-insurance.com are sites owned by DIXIAL as well as other affiliated sites. The compilation of all content present or made available through our services is the exclusive property of DIXIAL and is protected by French and international intellectual property and database protection law.
You must not systematically extract and/or reuse parts of the content without our express and written permission. In particular, you should not use a data suction robot, or any other similar data collection or extraction tool to extract (in one or more times), to reuse a substantial portion of any content, without our express and written agreement. You should also not create and/or publish your own databases that would have substantial parts without our express and written consent.
The marks and visuals used on our sites may not be used for products or services that do not belong to Dixial, or in any way that could cause confusion among customers, or in any way that denigrates or discredits our brands. All other trademarks that do not belong to Dixial and appear on our sites are owned by their respective owners, who may or may not be affiliated, linked or sponsored by Dixial.
You should not frame or use framing techniques to insert any brand, logo or other business information (including images, texts, layouts or shapes). You must not use meta tags or any other “hidden text” using Dixial’s name or trademarks without our express and written permission.