Information concerning the Collection, Processing and Retention of Personal Data - Injured Party

What information we process about you and why

We process information about you:

• if you are insured at Zurich: so as to fulfil our part of what has been agreed upon,
• if you filed made a claim for compensation against a customer at Zurich: because we must be able to satisfy our and our customer’s legitimate interests. The legitimate interests consist of that we need to process your personal data so that we and the customer will be able to assess and deal with your claim for compensation. However we will not process your information if it is found, after a balancing of interests, that your interests and fundamental rights and freedoms carry more weight.

For these reasons, it may occur that we collect and process:

• your contact details, for example your name, address, e-mail address, telephone number,
• information about you personally, such as your civil registration number, documents about you, and your actions and behaviour,
• information about the injury incident, for example actions and behaviour of other persons involved along with other circumstances that affect the assessment of your claim,
• information about your financial circumstances, such information about your bank, your insurance coverage, your expenses and outlays, your property, your income and taxes, as well as
• information about your representatives, such as their name, relationship vis-à-vis you, and professional contact details.

If your claim for compensation is based on a personal injury, we process information about you in order to be able to determine your rights to compensation and to make claims and to defend our rights and our customers’ rights. For this reason, we process information about your health, such as health conditions, patient charts and medical records, medical reports, doctor’s opinions, medical history and information from the National Social Insurance Agency.

Zurich has legal obligations that impose requirements or an obligation on us that process certain information about you. For example, we are obligated to carry out verifications in order to prevent money laundering or to avoid business relationships with companies or individuals that are subject to sanctions. In connection with this, it may occur that we the receive information that may indicate that criminal activities, such as suspicion of crime, ongoing criminal investigations and well-known judgment/verdicts pronounced.

Automated individual decision-making

In certain situations Zurich uses automated individual decision-making to fulfill the insurance undertaking in relation to you. When an automated decision has been taken which affects you, you will be notified of this fact and how you can obtain human intervention on the part of Zurich to express your point of view and to contest the decision.