Privacy policy
Preamble
This policy informs users of the protegatmonaco.com site about how their personal data is collected, processed and protected. Processing complies with Monégasque Law No. 1.565 of 3 December 2024 on the protection of personal data, as well as the General Data Protection Regulation (GDPR) where applicable.
Data controller
EUROPA ASSURANCES S.A.M. (trading as RAGAS INSURANCE and PROTEGAT Monaco), « Le 45 », 45 rue Grimaldi, 98000 Monaco. Email: contact@ragas.mc. Phone: +377 92 00 09 60.
Data collected
Identification data: first and last name, email address, phone number, content of contact or quote requests, information relating to insurance needs, exchanges by email, phone or messaging.
Browsing data: IP address, browser type, operating system, pages visited, visit duration, cookies and trackers.
Purposes
Responding to contact and information requests, preparing insurance quotes or proposals, managing the client relationship, complying with regulatory obligations relating to brokerage, improving the site and user experience, producing traffic statistics, and sending professional communications when the user has consented.
Legal basis
The user's consent, performance of pre-contractual or contractual measures, compliance with legal and regulatory obligations, and the firm's legitimate interest in developing and securing its activity.
Recipients
The data is intended for authorised teams within the firm, insurance partners in the context of studying or managing contracts, technical service providers involved in the operation of the site and business tools, and authorities when required by regulation. Data is neither sold nor transferred to third parties for commercial purposes. If you contact us via WhatsApp, your exchanges transit Meta's servers, subject to its own privacy policy.
Transfers outside the European Union and Monaco
When the management of your file requires it, particularly for the coverage of care abroad, certain data may be transmitted to partners located outside the European Union and Monaco, with the appropriate safeguards provided for by applicable regulation.
Retention period
Prospect data is kept for a maximum period of 3 years from the last contact. Client data is kept for the duration of the contractual relationship, plus applicable legal periods. Some data may be archived to meet regulatory or evidentiary obligations.
Security
The firm implements appropriate technical and organisational measures to ensure the security, confidentiality and integrity of the data.
Your rights
You have the right to access, rectify, erase, restrict, object, port your data, the right to withdraw consent at any time, and the right to set directives concerning the fate of your data after your death. To exercise them, write to contact@ragas.mc (proof of identity may be requested).
Complaint
You may lodge a complaint with the Personal Data Protection Authority (APDP), Le Concorde, 11 rue du Gabian, 98000 Monaco, phone +377 97 70 22 44, https://apdp.mc.
Contact
EUROPA ASSURANCES S.A.M., « Le 45 », 45 rue Grimaldi, 98000 Monaco. Email: contact@ragas.mc. Phone: +377 92 00 09 60.