Privacy Policy

At Swedish Car Insurance Guide, we respect your privacy and are committed to protecting your personal data. This privacy policy will inform you about how we look after your personal data when you visit our website and tell you about your privacy rights and how the law protects you.

This privacy policy aims to give you information on how Swedish Car Insurance Guide collects and processes your personal data through your use of this website, including any data you may provide through this website when you sign up for our newsletter, request a quote, or use our contact form.

1. Information We Collect

1.1 Personal Information

We may collect several types of information from and about users of our website, including:

• Contact information (such as name, email address, mailing address, and phone number)
• Account information (such as username and password)
• Transaction information (such as payment details, purchase history, and shipping information)
• Profile information (such as preferences, product interests, and demographic information)
• Communications (such as customer service inquiries and survey responses)

1.2 Usage Information

We may automatically collect certain information about your equipment, browsing actions, and patterns when you interact with our website, including:

• Log information (such as IP address, browser type, operating system, referring pages, and access times)
• Device information (such as device identifiers, location information, and mobile network information)
• Usage data (such as traffic data, communication data, and the resources that you access and use on the website)
• Cookies and similar technologies (as described in our Cookie Policy)

2. How We Collect Information

2.1 Direct Collection

We collect information directly from you when you:

• Register for an account
• Place an order
• Subscribe to a newsletter
• Fill out a form
• Participate in a survey or promotion
• Contact customer service

2.2 Automated Collection

As you interact with our website, we may automatically collect technical data about your equipment, browsing actions, and patterns. We collect this data by using cookies, server logs, and other similar technologies.

2.3 Third-Party Sources

We may receive personal data about you from various third parties, such as:

• Analytics providers (such as Google)
• Advertising networks
• Search information providers
• Identity verification services

3. How We Use Your Information

We use your information for the following purposes:

3.1 Provide and Manage Services

• Process and fulfill your requests, such as providing insurance quotes or information
• Manage your account, including authenticating your identity
• Communicate with you about your account or services
• Provide customer support and respond to your inquiries

3.2 Improve Our Services

• Analyze usage patterns to enhance website performance and user experience
• Develop new products, services, features, and functionality
• Conduct research and analysis to improve our content and offerings

3.3 Marketing and Communication

• Send promotional communications about new services, features, or offers (with your consent where required by law)
• Deliver relevant website content and advertisements
• Measure the effectiveness of promotional campaigns

3.4 Security and Protection

• Detect, prevent, and address technical issues, security breaches, or fraudulent activity
• Protect our rights, property, or safety and that of our users or others
• Enforce our terms and conditions and other agreements

4. Legal Basis for Processing

Under GDPR, we process your personal data based on the following legal grounds:

4.1 Consent

We process certain data based on your explicit consent, such as when you opt in to receive marketing communications. You can withdraw your consent at any time.

4.2 Contractual Necessity

We process data as necessary to fulfill our contractual obligations to you, such as providing insurance quotes or information you have requested.

4.3 Legitimate Interests

We process data for our legitimate business interests, such as improving our services, preventing fraud, and ensuring network security, as long as these interests are not overridden by your fundamental rights and freedoms.

4.4 Legal Obligation

We process data as necessary to comply with legal obligations, such as maintaining records for tax purposes or responding to valid legal requests from authorities.

5. Data Sharing and Disclosure

We may share your personal information with the following categories of recipients:

5.1 Service Providers

We share information with third-party vendors, consultants, and other service providers who perform services on our behalf, such as:

• Hosting providers
• Payment processors
• Analytics services
• Customer support services
• Marketing and email service providers

5.2 Insurance Partners

With your consent, we may share your information with insurance providers to obtain quotes or process applications on your behalf.

5.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).

5.4 Business Transfers

We may share or transfer your information in connection with a merger, acquisition, reorganization, sale of assets, or bankruptcy, where your data would be transferred as part of our business assets.

5.5 With Your Consent

We may share your information with third parties when you have given us your consent to do so.

6. Data Security

We have implemented appropriate technical and organizational measures to protect your personal data from accidental loss, unauthorized access, use, alteration, or disclosure. These measures include:

• Encryption of sensitive data in transit and at rest
• Access controls and authentication requirements
• Regular security assessments and vulnerability testing
• Staff training on data protection and security practices
• Incident response procedures

While we strive to use commercially acceptable means to protect your personal data, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee absolute security.

7. Data Retention

We will retain your personal data only for as long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements.

To determine the appropriate retention period for personal data, we consider:

• The amount, nature, and sensitivity of the personal data
• The potential risk of harm from unauthorized use or disclosure
• The purposes for which we process the data
• Whether we can achieve those purposes through other means
• Applicable legal requirements

In some circumstances, we may anonymize your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.

8. Your Rights

Under GDPR and other applicable data protection laws, you have the following rights:

8.1 Access

You have the right to request a copy of the personal data we hold about you.

8.2 Rectification

You have the right to request correction of any inaccurate or incomplete personal data we hold about you.

8.3 Erasure

You have the right to request deletion of your personal data in certain circumstances, such as when the data is no longer necessary for the purposes for which it was collected.

8.4 Restriction

You have the right to request restriction of processing of your personal data in certain circumstances, such as when you contest the accuracy of the data.

8.5 Data Portability

You have the right to receive your personal data in a structured, commonly used, machine-readable format and to transmit that data to another controller.

8.6 Objection

You have the right to object to processing of your personal data in certain circumstances, such as for direct marketing purposes or when processing is based on legitimate interests.

8.7 Withdraw Consent

Where we process your data based on consent, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the details provided in the "Contact Us" section below. We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data or to exercise any of your other rights.

9. International Transfers

We primarily store and process your personal data within the European Economic Area (EEA). However, we may transfer your personal data to countries outside the EEA for processing by our service providers. When we do so, we ensure a similar degree of protection is afforded to your data by implementing appropriate safeguards, such as:

• Transferring data to countries that have been deemed to provide an adequate level of protection by the European Commission
• Using specific contractual clauses approved by the European Commission that give personal data the same protection it has in Europe
• Where we use providers based in the U.S., ensuring they are part of an approved framework that provides equivalent protections

If you would like further information on the specific mechanism used by us when transferring your personal data out of the EEA, please contact us using the details provided below.

10. Children's Privacy

Our services are not intended for individuals under the age of 18, and we do not knowingly collect personal data from children. If we learn that we have collected personal data from a child without parental consent where such consent is required, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child, please contact us using the details provided below.

11. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect and use personal information about you, including to serve interest-based advertising. For more information about how we use these technologies, please see our Cookie Policy.

12. Third-Party Links

Our website may include links to third-party websites, plug-ins, and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit.

13. Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new privacy policy on this page and updating the "Last Updated" date at the top of this policy.

We encourage you to review this privacy policy periodically for any changes. Changes to this privacy policy are effective when they are posted on this page.

14. Contact Us

If you have any questions about this privacy policy or our privacy practices, please contact us at:

Swedish Car Insurance Guide

Storgatan 123, 11451 Stockholm, Sweden

Email: [email protected]

Phone: +46 70 123 4567

You have the right to make a complaint at any time to the Swedish Authority for Privacy Protection (Integritetsskyddsmyndigheten), the Swedish supervisory authority for data protection issues (www.imy.se). However, we would appreciate the chance to deal with your concerns before you approach the authority, so please contact us in the first instance.