Privacy policy

Personal data protection under the GDPR

Collection and purposes of use of your personal data

The personal data collected is processed electronically to enable SAAM Verspieren Group to contact you and/or send you any proposal or documentation as part of your search for an insurance solution, and subsequently, where applicable, for the arrangement and management of insurance contracts.

The controller of your personal data is SAAM Verspieren Group, whose registered office is at 60 rue de la Chaussée d'Antin, 75009 Paris, France.

The legal basis for processing your personal data is the performance of your insurance contract or your explicit consent obtained when the data was collected.

For the same purposes as those set out above, this data may be used by the entities of our group and may, where applicable, be passed on to our partners, agents, reinsurers, professional bodies and guarantee funds, and appointed subcontractors, as well as to the insurance bodies of the persons involved and to public bodies and authorities.

Internally, only recipients duly authorised by SAAM Verspieren Group by virtue of their duties (sales, underwriting, production, administrative and accounting, claims and IT functions) may access personal data concerning you, without prejudice to its possible transmission to bodies entrusted with a supervisory or inspection role under the applicable regulations.

Should the personal data collected and processed be transferred outside the European Union, safeguards would be put in place to provide a legal framework for the transfer and ensure an adequate level of protection for the data.

Address autocomplete

The address fields on this website (quotation tool, subscription journey, client area, complaint, cancellation and contact forms) offer autocomplete assistance: as you type, the text you enter in that field is sent to Google LLC, which operates the Google Places service, in order to suggest standardised addresses and avoid input errors. Only that text is sent: neither your name, nor your email address, nor any other data from your file. No geolocation is performed and this service places no cookie on your device.

The legal basis for this processing is our legitimate interest in ensuring the accuracy of the postal addresses used to send you your contractual documents. Autocomplete is optional: you may type your address entirely by hand, without selecting any suggestion. Google LLC acts here on its own behalf under its Google Maps Platform service; this processing involves a transfer to the United States, governed by Google LLC's certification under the EU-U.S. Data Privacy Framework and by the European Commission's standard contractual clauses.

To find out more about the processing carried out by Google, see the Google Privacy Policy.

Retention of your personal data

Your personal data is retained for the purposes mentioned above and in accordance with the legal obligations in force. This personal data will not be kept longer than necessary to fulfil these purposes.

Your data protection rights

You have rights of access, rectification, erasure and objection on legitimate grounds regarding all data concerning you. You also have the right to restriction of processing and the right to request the transfer of your data (right to portability). You may withdraw your consent to the use of your data at any time.

You can exercise all of these rights by sending your request, together with signed proof of identity, to dpo-saam@saam-assurance.com. Your request will be handled by the Data Protection Officer.

You may also exercise your rights by post: SAAM Verspieren Group — Compliance DPO, 60 rue de la Chaussée d'Antin, 75009 Paris, France. We will respond within one month of receipt (extendable by two months for complex requests, with prior notice).

The data controller reserves the right not to act on such requests if the processing of the data is necessary for the performance of the contract, compliance with a legal obligation, or the establishment, exercise or defence of legal claims.

You have the right to lodge a complaint with a supervisory authority (the CNIL is the competent supervisory authority in France).

Conversational assistant (artificial intelligence)

The website offers a conversational assistant designed to answer your questions about SAAM insurance products (covers, exclusions, claim documents, management rules). In accordance with the European regulation on artificial intelligence (Regulation (EU) 2024/1689, Article 50), you are informed from the very first exchange that you are talking to an artificial intelligence system and not a human adviser. Its answers are provided for information purposes only and constitute neither personalised advice nor a contractual commitment: only the general terms and conditions in force are authoritative.

Data processed. The questions you freely type into the assistant are transmitted, together with the history of the current conversation, to our processor Google (Vertex AI service) to generate the answer. Processing is carried out in the European Union (europe-west4, Netherlands). Conversations are not recorded by SAAM: only anonymised technical counters (hashed session identifier, volumes) are kept for security and usage-limitation purposes. We ask you not to enter any health data or other sensitive data into the assistant: such information belongs exclusively in the secure medical questionnaire of the subscription process.

Transfers outside the European Union. Google LLC is certified under the EU-U.S. Data Privacy Framework; the services are also governed by standard contractual clauses and processing is configured in a European region. The assistant makes no automated decision producing legal effects concerning you (Article 22 GDPR): it does not assess your application, does not calculate any price and has no influence on the acceptance of your subscription.

For any question about this processing or to exercise your rights, contact our Data Protection Officer: dpo-saam@saam-assurance.com.

Security

We attach the utmost importance to the security and integrity of the personal data of our policyholders and prospects, and we undertake to process your personal data using appropriate technical and organisational security measures.

For more information, please see our dpo-saam@saam-assurance.com.

Confidentiality

The information you provide to us is never handed over to third parties.

By way of exception, certain information may be shared between the entities of our group and with some of their service providers, who are themselves strictly prohibited from exchanging this data.

Cookies

What is a cookie?

Cookies are small data files which, depending on the settings chosen in your browser, may be stored temporarily in memory or in a dedicated area of your device's hard drive when you visit a website.

Subject to obtaining your consent where required by the applicable data protection regulations, the site uses cookies and trackers to improve the use and functionality of the site and to better understand how you use the tools and services offered on it. The use of cookies and trackers makes your browsing smoother and measures your movements around the site more accurately.

What are the different types of cookies on the SAAM Verspieren Group site?

SAAM Verspieren Group informs you of the use of 4 categories of cookies, the purposes of which are described below.

Certain technical cookies (session cookies in particular) are essential for the proper functioning of the website. Deleting them may cause browsing difficulties and make it impossible to subscribe to our offers online.

1. Technical cookies

Technical cookies are cookies that are strictly necessary for the operation of the site. They make it possible to access the reserved and personal areas of our site, in particular when you wish to access your personal SAAM Verspieren Group areas using your personal credentials (session identifier cookie), to implement security measures (for example, when you are asked to log in again to content or a service after a certain period of time), and to enable or facilitate communication for the provision of an online service expressly requested by the user.

These cookies are issued and placed by SAAM Verspieren Group. They are deleted as soon as you close your browsing session.

2. Cookies that make browsing the site easier

Some cookies are used to simplify browsing on the site. This type of cookie makes it possible in particular to detect and record some of your user settings, such as whether or not JavaScript is enabled, to guarantee optimal viewing of the site.

How long are cookies kept?

In accordance with CNIL recommendations, cookies are kept for a maximum of 13 months. Your consent will be requested again at the end of this period via the information banner.

How to configure cookies?

You can configure your web browser (Internet Explorer™, Google Chrome™, Firefox™, Safari™, etc.) at any time to allow, restrict or block cookies. Please note: these settings may change how you browse the internet and the site, as well as your ability to view or access certain online services that require the use of cookies.

Each browser is configured differently for cookie management. You should therefore consult your browser's help section:

• Internet Explorer
• Firefox
• Safari
• Chrome

Governing law and jurisdiction

This privacy policy is governed by French law. In the event of a dispute where no amicable agreement can be reached, the competent court will be determined in accordance with the applicable rules of procedure.