Your personal data may be passed on to third parties (“data processors”) for the aforementioned purposes and/or to ensure compliance with legal and regulatory provisions. ERV may also outsource divisions, individual value-creating steps of divisions and/or services (e.g. benefits settlement, IT, contract administration and product development) in part or in full to third parties in Switzerland or abroad. In this case, this will also affect the processing of personal data. ERV takes great care to ensure that your data is protected from unauthorized access, loss or misuse.
Your personal data is only passed on to processors abroad if they are subject to adequate data protection laws. If data is transmitted to a country without adequate data protection, ERV guarantees adequate protection by means of sufficient contractual guarantees or relies on the exception of consent, contract performance or the establishment, exercise and enforcement of legal rights. Contractual guarantees are based on standard data protection clauses accepted by a supervisory authority.
Data may also be passed on for the purpose of detecting or preventing insurance fraud, especially to insurance companies both within Switzerland and abroad, as well as to law enforcement agencies.
If necessary, ERV or the data processors will consult third parties – with your consent – depending on the insurance cover to be reviewed (e.g. with your physician, therapist or hospital or with a previous insurance company). Based on your consent for the purpose of checking insurance coverage, these persons are explicitly released from their duty to observe confidentiality in respect of ERV and the processor.
We use cross-site tools to present you with personalized information for marketing purposes, including outside of our website. These enable personalized online ads and extended analysis and evaluation options about the target group and user behaviour. The data may also be transferred to third countries outside the European Economic Area that do not have an adequate level of protection under data protection law (in particular the USA) . There is a possibility that authorities may access the data without there being any legal remedy to counter this.
With regard to specific business transactions or data processing, ERV provides separate information in the special information on data protection as regards the data controllers, collection and processing of personal data, data categories, purposes, duration of storage, data transfer, data security, rights of Data Subjects and changes.