General Personal Data Protection Policy

WAROLD BROKERAGE SERVICES is committed to respecting your privacy and protecting your personal data. 

In the interests of transparency, WAROLD BROKERAGE SERVICES has adopted a ‘General Personal Data Protection Policy’ (hereafter ‘General Policy’) in accordance with the applicable regulations in this area and, in particular, with European (EU) Regulation 2016/679 of 27 April 2016 (*) and the Luxembourg law of 1 August 2018 (**) (hereafter ‘Regulation’).

The purpose of this General Policy is to inform you about WAROLD BROKERAGE SERVICES’ commitment to ensuring the protection of your personal data.

Please note that certain specific processing may be the subject of a separate and more appropriate Policy.

(*) (EU) Regulation 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation).

(**) Law of 1 August 2018 on the organisation of the National Data Protection Commission (“Commission Nationale pour la Protection des Données”) and implementation of (EU) Regulation 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and the free movement of such data, and repealing directive 95/46/EC (General Data Protection Regulation), amending the Labour Code and the law of 25 March 2015 stipulating the rules of remuneration and the terms and conditions for the promotion of State civil servants.


Consent: any freely given, specific, informed and unambiguous indication of the data subject’s wishes by which he or she, by a statement or by a clear affirmative action, signifies agreement to the processing of personal data relating to him or her.

Recipient: the natural or legal person, public authority, agency or other body which receives personal data, whether or not it is a third party.

Personal data: any information relating to an identified or identifiable natural person (‘data subject’); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.

Purpose: objective of the data processing. Personal data shall be collected for clear, explicit and legitimate purposes.

Profiling: any form of automated processing of personal data consisting of the use of personal data to evaluate certain personal aspects relating to a natural person, in particular to analyse or predict aspects concerning that natural person’s performance at work, economic situation, health, personal preferences, interests, reliability, behaviour, location or movements.

Data controller: the natural or legal person, public authority, agency or other body which, alone or jointly with others, determines the purposes and means of the processing of personal data; where the purposes and means of such processing are determined by Union or Member State law, the controller or the specific criteria for its nomination may be provided for by Union or Member State law.

Processing: any operation or set of operations which is performed on personal data or on sets of personal data, whether or not by automated means, such as collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.

You: any natural person interacting with WAROLD BROKERAGE SERVICES (e.g. a user of our website, a consultant, representatives and/or employees of one of our customers, prospects, service providers, business partners or suppliers, a candidate, an associate of WAROLD BROKERAGE SERVICES, a visitor at WAROLD BROKERAGE SERVICES’ premises) and whose personal data WAROLD BROKERAGE SERVICES may collect directly or indirectly.

Who is the data controller?

In the processing of personal data that concerns you and which WAROLD BROKERAGE SERVICES collected directly or indirectly, the Data Controller is WAROLD BROKERAGE SERVICES. 

You will find below the contact details you can use to contact with us:

Postal address WAROLD BROKERAGE SERVICES 44 OP Fankenacker L-3265 BettembourgE-mail info@warold.comPhone number +352 

What categories of personal data are collected and processed by WAROLD BROKERAGE SERVICES?

In the course of our activities, we may collect different categories of personal data about you depending on the nature and purpose of the processing carried out.

In any case, we undertake to collect and process only the data that is strictly necessary for the purposes of the data processing we carry out, as specified in this General Policy. 

We may collect the following information in particular:

Please note that if you fail to provide certain information, WAROLD BROKERAGE SERVICES may not be able to fulfil all or part of the objectives described in this General Policy (e.g. you will not be able to use certain tools or services; we will be unable to process your request; in the case of recruitment, your application may not be accepted; …).

Personal data collected is not used for profiling purposes.

In the course of our business, no final decision is made solely on the basis of automated processing, rather on the basis of human analysis.

What are the purposes of processing your personal data?

There is a legitimate, explicit and specific purpose to any processing of your personal data.

WAROLD BROKERAGE SERVICES collects and uses your data for several purposes:

In any case, the personal data collected is appropriate, relevant and not excessive in relation to the stated purposes.

In the event your personal data is processed for other purposes, WAROLD BROKERAGE SERVICES will inform you of this and, when the Regulation so requires, will obtain your express prior consent.

What are the applicable legal bases for processing your personal data?

Generally speaking, we collect only the personal data that are necessary for the implementation of the purposes described in the section ‘WHAT ARE THE PURPOSES OF PROCESSING YOUR PERSONAL DATA?’

Within the framework of processing your personal data in accordance with the purposes described above, we will rely on one of the following legal bases:

In what context are your personal data collected?

Primarily, WAROLD BROKERAGE SERVICES is most likely to collect your data:

For how long can your personal data be kept?

The length of time the data can be retained depends on both the nature of the data and the specific circumstances that led us to collect it.

We will keep your personal data in our systems for the longest of the following periods: (i) as long as necessary for the operations and processing purposes concerned, (ii) for the retention, archiving and prescription periods authorised by the Regulation, (iii) the end of the applicable prescription period following a legal dispute or investigation regarding one of our offers or proposals, or one of our services.

What are your rights concerning your personal data?

Subject to the limits provided under the applicable Regulation, you have several rights regarding the processing of your personal data:

You also have the right of opposition, which allows you to object to the processing of your personal data for reasons relating to your particular situation. Furthermore, you have the right to object at any time to the processing of your personal data for the purposes of commercial prospecting or profiling if such profiling is linked to commercial prospecting. 

If you have requested specific services or communications from WAROLD BROKERAGE SERVICES, (e.g. newsletters, communications, invitations to events and/or training initiatives), you may unsubscribe at any time by following the instructions provided in each communication. 

Should you wish to exercise your rights over your personal data, you may send your request to the following addresses:

Your request must be dated and signed and accompanied by a copy of your valid identity document.

We will reply to you as soon as possible and, in any event, within one (1) month of receipt of your request, provided that it complies with the applicable Regulation. If necessary, this period may be extended by two (2) months, depending on the complexity of the request and the number of requests.

How to file a complaint?

Despite our commitment and our best efforts to protect your personal data, if you feel that your rights regarding data confidentiality have been breached, we invite you to contact us using the postal or e-mail address indicated above.

You have the right to submit a complaint directly to the Commission Nationale pour la Protection des Données, which is Luxembourg’s supervisory authority in charge of data protection, at any time.

Commission Nationale pour la Protection des Données (CNPD)
Complaints Department
15, Boulevard du Jazz
L-4370 Belvaux

You may use the online form provided for this purpose. (https://cnpd.public.lu/fr/particuliers/fairevaloir/formulaire-plainte.html).

Who are the recipients of your personal data?

In principle, WAROLD BROKERAGE SERVICES will process your data with the utmost care. Furthermore, access to your personal data within WAROLD BROKERAGE SERVICES shall be limited to only those employees who need access to your information for the purposes described in this General Policy.

For any of the purposes mentioned under the heading ‘WHAT ARE THE PURPOSES OF PROCESSING YOUR PERSONAL DATA?’, we may need to transfer your personal data:

In principle, we do not transfer any of your personal data outside the European Union.

In such a case, this transfer shall take place on the basis of a ruling handed down by the European Commission, where the latter has recognised that the country to which your data is transferred ensures a level of protection equivalent to that existing within the European Union.

In the event of a transfer to a country whose level of protection of your data is not recognised by the European Commission as being adequate, we will put in place standard contractual clauses approved by the European Commission to ensure the protection of your data.

How is your personal data protected? 

WAROLD BROKERAGE SERVICES takes every suitable precaution, as well as appropriate technical and organisational measures, to preserve the security of your personal data and, in particular, to prevent it from being misrepresented, damaged or destroyed or accessed by unauthorised third parties.

These measures include the following in particular:

Despite every effort made by WAROLD BROKERAGE SERVICES, absolute protection against every threat cannot be provided. Nevertheless, in accordance with the Regulation, and in the event of a personal data breach that is liable to create a high risk for your rights and freedoms, WAROLD BROKERAGE SERVICES undertakes to contact you as soon as possible to inform you of this. 

We may amend this General Policy due to legal and/or regulatory changes, changes to our practices in this area, or even due to changes in the nature of our business and/or the services we provide.  In such a case, the review date shown below shall be updated and the amended version shall be applicable from that date. Review date: 20/02/2021

Benchmark insurance broker based in Luxembourg and active all over Europe. We insure the personal and professional wealth of entrepreneurs, senior executives and board members.

Contact us

29 Boulevard Prince Henri
L-1724 Luxembourg-ville

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