Privacy policy and use of our services

Protection and confidentiality of personal data

The protection of your personal data is essential to us, and we would like to explain how we use this information when you request a quote and take out an insurance policy.
When you use our services, we need to know certain information, such as your date of birth or your personal details. Our data confidentiality policy guarantees the protection of this information.
This information is required to help us provide you with the best possible service. They are communicated to our contractual partners involved in providing our services.
Personal data concerning members (or concerning persons party to or interested in the contract) is processed in compliance with the French Data Protection Act of January 6, 1978, as amended, and with European Regulation no. 2016/679/EU of April 27, 2016, and with the standards issued by the CNIL.
They are processed for the purposes of entering into, managing and executing contracts and warranties, managing commercial and contractual relations, managing the risk of fraud or executing legal, regulatory or administrative provisions in force, in accordance with the purposes detailed below.

Rights of access, rectification, deletion and opposition

By providing proof of identity, the above-mentioned persons have the right to access, rectify, delete and object to their personal data free of charge by writing to the Security Department of our group DIXIAL, 19 Rue des Longs Prés, 92100 BOULOGNE – FRANCE, which owns the Mondassur and EuropUSA brands.

Conclusion, management and performance of contracts and commercial management of customers and prospects

Data concerning prospects and members (or concerning persons who are party to or interested in the contract) are necessary for the management of commercial and contractual relations.
This information is intended, within the limits of their responsibilities, for the advisor or usual contact, for the insurer’s departments responsible for commercial management or for the conclusion, management and execution of contracts for each of the guarantees and for its delegates, intermediaries, agents, service providers and subcontractors, or for other entities of the DIXIAL Group within the framework of the exercise of their missions.
It may also be passed on, where appropriate, to the insurance organizations of persons involved or offering complementary benefits, to co-insurers, reinsurers, professional organizations and guarantee funds, as well as to all persons involved in the contract, such as lawyers, experts, court and ministerial officers, curators, guardians, investigators, health professionals, medical advisors and authorized personnel, and to social organizations when they are involved in the settlement of claims and benefits, or when the insurer offers guarantees complementary to those of social security schemes.
Information concerning members may also be forwarded to all persons interested in the contract (contracting party, insured and beneficiary of the contract and their assigns and representatives, beneficiaries of an assignment or subrogation of rights relating to the contract and, where applicable, to managers and their agents, third parties interested in the performance of the contract), as well as to all persons entitled to act as Authorized Third Parties (courts, arbitrators, mediators, relevant ministries, supervisory and control authorities and all public bodies entitled to receive them, as well as to control departments such as statutory auditors, auditors and internal control departments).

Fighting insurance fraud

The member (or any other person who is a party to or interested in the contract) is also informed that a system is in place to combat insurance fraud, which may result in the registration of persons presenting a risk of fraud on a list, which may result in a longer examination of their file, or even the reduction or refusal of a right, benefit, contract or service offered by the Group’s entities and its insurance partners. In this context, personal data concerning members (or persons who are party to or interested in the contract) may be processed by all authorized persons working within the entities of the Dixial Group and its insurance partners in the context of the fight against fraud. This data may also be sent to authorized personnel of organizations directly involved in fraud (other insurance organizations or intermediaries; social or professional organizations; judicial authorities, mediators, arbitrators, court officers, ministerial officers; third-party organizations authorized by law and, where applicable, victims of fraud or their representatives).

Combating money laundering and the financing of terrorism

In order to meet its legal obligations, our insurers implement monitoring processes to combat money laundering and the financing of terrorism, and to apply financial sanctions.

Health data collection and processing

All insured persons expressly agree to the collection and processing of data concerning their health. Necessary for contract and guarantee management, this data is processed in compliance with medical confidentiality rules. It is intended exclusively for the use of the insurer’s or Dixial’s medical advisor in charge of managing benefits, its medical department or specifically authorized internal or external persons (in particular its delegates or medical experts). This information may also be used by authorized persons to combat fraud.
If the insured person uses the Vitale card, he/she authorizes the healthcare professional to send the insurer a statement of information to enable the contract benefits to be implemented. It also authorizes the exchange of information with its compulsory social protection scheme for the sole purpose of processing benefits.

Transfer of information outside the European Union

Personal data concerning the subscriber (or concerning persons party or interested in the contract) may be transferred to countries outside the European Union, of which the parties concerned are hereby informed and which they expressly authorize.
These transfers are carried out within the framework of the execution of the contract and relations with the insurer, compliance with legal or regulatory obligations, the management of actions or disputes enabling the insurer to ensure the establishment, exercise or defense of its legal rights, or for the needs of the defense of the persons concerned (subject to the exceptions set out in article 69 of the French Data Protection Act).
These transfers are carried out in accordance with legal requirements, European Commission and CNIL directives, and may, if necessary, be subject to specific legal frameworks by DIXIAL and its insurance partners to guarantee a sufficient level of personal data protection.
This information (which is strictly limited) is intended only for recipients who are likely to be involved in the purposes set out in the contract and described above.

Studies, Statistics

DIXIAL and its insurance partners (or their subcontractors) may also use and exploit personal data concerning the member (or concerning persons who are party to or interested in the contract) for statistical or research purposes, in particular with a view to developing their product and service offers, personalizing their relations with the persons in question, gaining a better understanding of the market and the competition, or for innovations.
These data may be associated, combined or include personal data concerning the member (or concerning persons party or interested in the contract) collected automatically or communicated by the interested parties themselves when browsing the website, using certain functionalities of the website or the mobile application. They may also be combined with statistical or aggregated data from various internal or external sources.
All personal data is processed in compliance with current regulations, in particular those relating to privacy and the protection of personal data.

Conditions of use of our online application, the Insured Area and our websites

Our online insurance quote and subscription application is designed to make insurance contracting easier. DIXIAL cannot be held responsible for any failure or malfunction of the application. Insurance contract guarantees are presented to help you select the best insurance contract. Details of cover are set out in the contract’s general terms and conditions, which remain the reference for the implementation of cover under each contract. The rates indicated in the quote results are subject to change without notice and are valid only when the quote is posted. You are deemed to have taken out an insurance contract when you receive the insurance certificate. DIXIAL cannot be held responsible if this certificate is not received. Please contact us as soon as possible if you do not receive a contract confirmation after paying for your insurance online.

The Insured area allows our policyholders to view details of the insurance policy taken out, current insurance premiums, current claims for insurance contracts managed directly by DIXIAL, and to file claims in the event of a loss.

We will do our best to ensure application availability. However, due to the nature of the Internet, this cannot be guaranteed. Your access to these applications may occasionally be suspended or limited to allow for repairs, maintenance, or the addition of a new feature or service. We will endeavor to limit the frequency and duration of such suspensions or limitations.

Our insurance policies can only be taken out directly online by adults over the age of 18. You are also obliged to inform us if you are a politically exposed person at the time of your subscription.

Use of Cookies

When you visit our site, several cookies are installed on your hard drive. These cookies are small text files that cannot hide viruses or be executed.
Their presence enables us to manage your browsing session correctly, and to measure the number of visits, the number of pages viewed, visitor activity on the site and the frequency with which they return, with a view to adapting the site to visitors’ requests.

Use and protection of our applications and websites

If you use our services, you are responsible for maintaining the confidentiality of your account and password when you open an account, for restricting access to your computer and other equipment, and to the extent permitted by applicable law, you agree to accept responsibility for all activities that occur under your account or 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 anyone else, or if the password is used or is 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 for informing us of any changes to this information.

DIXIAL provides links to external websites, but cannot be held responsible for their content.

You must not use our services in any way that causes, or is likely to cause, interruption, damage, or alteration of our service, or for any fraudulent purpose, or in connection with any crime or illegal activity, or for the purpose of causing any disturbance, nuisance or cause for anxiety.
We reserve the right to deny access, terminate accounts, remove or edit content if you are in violation of applicable laws, these Terms of Use or any other terms, conditions, guidelines or privacy policies.

Electronic communications

When you use our service or send us e-mail, SMS or other communications from your fixed or mobile equipment, you are communicating with us electronically. We will communicate with you electronically by various means, such as email, SMS, notification messages in the application or by posting emails or communications on the website or through our other 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 send to you electronically satisfy any legal requirement that such communications be in writing, unless a specific mandatory law requires otherwise.

Intellectual property and copyright

Reproduction of all or part of the content of the site is prohibited, unless specifically authorized by DIXIAL. The information is presented for informational purposes only and does not bind DIXIAL as to its use.
All content present or made available through our service, such as text, graphics, logos, buttons, images, digital downloads, and data compilations, is the property of DIXIAL or its content providers and is protected by French and international intellectual property, copyright and database protection laws. Our websites: welcomeprotection.com, mondassur.com, europusa.com, France-insurance.com are sites belonging to 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 laws.
You may not systematically extract and/or re-utilise parts of the content without our express written permission. In particular, you must not use a data mining robot, or any other similar data gathering or extraction tool, to extract (in one or more operations) or reuse a substantial part of any content, without our express written consent. Nor may you create and/or publish your own databases that include substantial portions without our express written consent.
The trademarks 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 may cause confusion among customers, or in any way that disparages or discredits our trademarks. All other trademarks not owned by Dixial that appear on our sites are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Dixial.
You must not frame or use framing techniques to enclose any trademark, logo or other proprietary information (including images, text, page layout or form). You may not use any meta tags or any other “hidden text” utilizing Dixial’s name or trademarks without our express written consent.