Privacy Policy

Privacy Policy

Concordia N.V.
Sassevaartstraat 46/301
9000 Gent
RPR Gent, dept. Gent, 0427.391.205
Insurance broker, registered by FSMA under nr. 22714 A

Concordia N.V. (hereafter called “office”) is taking your rights iro. data processing seriously. In this policy document we explain how we collect, process and use personal data. It is the general policy of the office with respect to data processing conform the applicable legislation among which the General Data Protection Regulation (GDPR).

As insurance broker the office fulfills possibly a double role in the field of data processing. In that case we are both responsible for processing and processor. We have the role of responsible for processing when we process data in our own name and for our own account. Besides this we also fulfill, on behalf of the carriers, the role of processor. This means we also collect and process personal data for the insurance companies with whom we work together and from whom we may propose and offer products to you. In this declaration we only go deeper into the processing of your data as responsible for processing.

Responsible for processing

The responsible for processing is Concordia N.V., headquarters: Sassevaartstraat 46/301, 9000 Gent.

For all your questions iro. of our privacy declaration you can contact us via For any questions going beyond a simple question for information, we might ask you to identify yourself, so we are sure we give the requested information and data to the right person.

When does our office collect and process data?

The office collects and processes data of you when you contact us in view of advice related to insurance contracts, offering or proposing insurance contracts, doing the preparing work in view of concluding insurance contracts and the closing of insurance contracts. Besides this you can also contact us for assistance during the management and implementation of the insurance contracts concluded by you. Also when you contact us in any other way we will (have to) process your data. Finally it is also possible that we receive data about you via third parties and we use these data to approach you to conclude via our intermediary a contract.

Which data does our office collect and process?

The office collects and processes data that you inform us about on the occasion of contact with the office such as your name, address, e-mail address and professional data, such as company name and VAT-number. It also concerns all data which are necessary to allow us to assess your insurance needs. These are among other things data about your home (in case of a property insurance), your financial data (in case of investment insurances) and medical data (in case of health insurances). Your data are only processed in view of the insurance for which you appeal to us, unless you wish otherwise and also indicate this to us.

We collect these data when you fill in our documents and forms manually and also when you do this electronically. When visiting our website cookies are being used. For more information about this, please contact the office.

For which purposes does our office collect and process data?

The purposes for which we process data are of various kinds and are explained below.

For our clients we process these data for customer management, being the acceptance, the management and the concluding of insurance contracts and the promotion of other products and services of our office. These processing operations are mainly based on the contractual relationship with our clients, but also, as far as prospection is concerned, on your explicit consent.

With respect to suppliers we process these data in view of our vendor management and based on the contractual relationship we have or build up with our suppliers.

As far as it concerns prospects, these are natural persons who are not (yet) a client of us, we process the data for purposes of direct marketing, based on our legitimate interest to undertake. We ask prospects which we approach by e-mail their explicit consent to also be able approach them in the future. We ask prospects which are approached by letter to indicate the op-out clause if they do not want to be approached any longer by us.

As concerns our staff members, we process the data for purposes such as personnel management and payroll administration.

As far as our website is concerned, we tailor the content and the ease of use as much as possible to you as users. We also process your data to meet the obligations arising from making a website and the content available and to enable you to use the interactive applications and services on this website.

What are the bases for processing data by our office?

In principle we collect and process your data based on the contractual relationship we have with you as a consequence of your demand or request with respect to an insurance need and the resulting contract(s), as well as a consequence of the question to assist you in the management and the succession of the insurance contracts you have concluded.

When the processing is not necessary to perform the contractual relationship, it is based on our legitimate interests as company, specifically the freedom of enterprise and information. We make sure there is a balance between our and your interests, for example by granting you a right of opposition/resistance.

As far as it concerns health data or so called sensitive data, we can only process your personal data with your explicit consent. This will be asked at the moment you become a client of us. If that did not happen, we ask you to report this to us, in order to do the necessary.

Are data being communicated to third parties?

Your data are mainly processed internally. This does not alter the fact they have to be communicated to the insurance company with whom you finally conclude the agreement.

It is possible that we call on third parties for certain punctual services. In such cases your data can be given to third parties but only for the relevant service and always under the control of our office.

In certain cases there is a legal obligation to submit certain data. That is especially the case when we are legally forced or when government agencies have the right to ask us the data.

Your data are in principle not transmitted to third countries or to international organizations.

Your rights

The regulations give you several rights what has to make sure you are sufficiently protected.

You can at any time oppose the use of your data by our office for direct marketing purposes. If you do not want to be kept up to date of the offers of our office, you can communicate this via or by ticking the box in the information you get at specific occasions.

You can always look at the data about you that we process and, if necessary, have it corrected. To do this, it is sufficient to request this via, with the proof of your identity. We ask this proof of identity to prevent your data are being communicated to someone who is not entitled to receive this.

If you do not agree with the way we process your data, you can always file a complaint with the Data Protection Authority, Drukpersstraat 35, 1000 Brussels. This is also the address for any general questions with respect to the processing and protection of personal data.


Our office reserves the right to change this declaration and/or this policy. Changes will be notified to the users via our website.

29 October 2018.

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