Privacy

Your data in safe hands
Are you taking out a mortgage or opening a savings account? Then we will need your details. We find it important that you know what we do with your personal data and what rights you have, so that you can trust your data to be in safe hands with us. 
What data do we use?
Most of the time, we will ask for your name, address, email address and telephone number, but sometimes we will ask for other details, too, such as a copy of your ID or your bank account number for a direct debit of your interest. What details we need will vary from product to product. Usually, you yourself will provide us with your details, at other times we obtain your data in a different manner. For instance, we can retrieve information about your credit history from the Credit Registration Bureau.
We also use cookies
Met cookies we are able to show or send you information, offers and advertisements which suit you. You can read what cookies are and how we deal with cookies in our cookie policy. If you visit the website of one of our brands, such as centraalbeheer.nl or woonfonds.nl, you can find more information about the cookies that are used on this website.
What do we use your data for?
We use your data to
  • Offer you a product or service.
  • Take out a product or service.
  • Enter into and perform a contract with you. 
  • Map your needs and preferences.
  • Make our products and services better match your needs. 
  • Make you a personal offer at the right time.
  • Assess our risks. 
  • Prevent fraud. In a personal investigation we can also use information which we find about you on the Internet.
  • Conduct scientific, statistical and market research.
  • Comply with the law.
  • Keep records of how and when we are in touch with you.
Which contact moments do we record?
We record what we agree on with you. We also use our contact moments to improve our communication. These are contact moments, for instance, which we record:
  • Letters and emails which we send to and receive from you. 
  • Telephone conversations and chats.
  • What you do and look at on our websites. 
  • What you do and look at in our apps. hat you do and look at in our apps.
  • Our contacts through social media, such as Facebook, Twitter and WhatsApp.
Achmea B.V. is responsible
Achmea B.V. is responsible for all of Achmea's brands where the proper processing of your personal data is concerned.
 
Where we get your data and who we share them with?
At certain times we will forward your data and at other times we will check your data at other companies. We do not sell your data, but we can exchange data with a.o:
  • Achmea's other brands.
  • Our suppliers and business partners, such as notaries. 
  • Credit Registration Bureau.
  • Appraisers, brokers and legal service providers 
  • Mortgage advisors
  • Complaint institutes 
  • Land register
  • Mortgage Fraud Prevention Foundation (Stichting Fraudebestrijding Hypotheken) 
  • Collection agencies and bailiffs
  • Tax authorities
  • The foundation CIS (Stichting Centraal Informatiesysteem).
If it is necessary to pass data on to recipients outside the European Economic Area (EEA), we will do this with the utmost care. Within the EEA, the same privacy rules apply. 
 
How do we make sure that your data are safe with us?
Our website, app and IT systems are safely secured and we always take measures to prevent abuse of your data. Our employees are also given clear instructions on how to deal with your data.
 
We are extra careful with sensitive data
By sensitive data we mean, for instance:
  • Your Citizen Service Number and bank details. 
  • Your medical details. Our medical consultant is responsible for the proper processing of your medical details. Employees will only have access to your medical data if authorised by the medical consultant. Our medical consultant and employees are under a duty to secrecy. 

How long do we keep your data?
We will keep your data as long as we need them or as long as we are obliged to by law. After that, we will erase or anonymise your data. If we anonymise your data, we remove all data which refer to you, so they cannot be linked to you anymore. Anonymous data help us to gain better insight into our risks, products and services.

Privacy rules and laws
We comply with the laws and rules for privacy. These are, inter alia:

  • The General Data Protection Regulation (GDPR)
  • The Dutch General Data Protection Regulation Implementing Act
  • The Dutch Personal Data Processing Code of Conduct for Insurers
  • The Dutch Incident Alert System Protocol for Financial Institutions
  • The Dutch Telecommunications Act

Your rights
The law also provides for your rights. You are entitled:

  • to retrieve your data from us.
  • to have your data changed if they are incorrect. 
  • to have your data erased.
    o It often happens that we are unable to erase your data, for instance, because we still need them or we need to comply with the law.
  • to object to a certain use of your data.
    o For example, if you no longer wish to receive emails with offers from us. Our emails contain a link through which you can unsubscribe. You can also call us. In other cases, you must state clearly what you object to, so that we can evaluate this.
  • to withdraw your consent.
    o Did you give us consent to use your data? You have the right to cancel this later. From that time on, we will no longer use your data. 
  • to transfer your data.
    o If you have given us data with your consent or on the basis of our agreement. Transfer may take place to another party or to you.
  • to temporarily restrict the use of your data.
    o For example, if you have objected to the use of your data. 

Let us know when you wish to exercise your rights
Send us a letter and enclose a copy of your passport or ID document. Please make your Citizen Service Number and passport photo illegible. We will reply within one month from receipt of your letter or e-mail.
You can contact details on the website of your insurer (international) or your insurer (dutch). 

Do you have a question, tip or complaint?
Send an email to Achmea's Data Protection Officer at privacymanager@achmea.nl. You can also send a letter to:

Achmea B.V.
Attn. Privacy Manager
Compliance & Operational Risk Management
P.O. Box 866
3700 AW Zeist

Do we not find a solution? Send your complaint to the Autoriteit Persoonsgegevens.
Or send an e-mail to: privacymanager@achmea.nl
 
We can change this Privacy Statement
For example, we can do this if something changes in the laws or regulations, or if we develop new products or services. You can always find the most recent version on our website. This most recent version is of 25 May 2018.