Privacy Policy
1. General provisions
1.1. OLVIRGA UADBB (hereinafter referred to as the “Company”) respects the right to privacy of all of its customers (purchasers of services), including visitors to the Company’s website https://www.olvirga.lt/ (hereinafter referred to as the “Website”) (hereinafter referred to as the “Customers”), and undertakes to ensure the protection of their personal data and the safeguard of their rights as data subjects.
1.2. This Privacy Policy governs the basic principles and procedures for collecting, processing and storing the personal data of the Company’s customers (including visitors to the Website).
1.3. By using the Company’s Website, as well as by ordering/using the services offered by the Company and by providing the Company with your personal data, you agree to the provisions of this Privacy Policy (except for data processing activities, which will require your separate consent). Customers are deemed to have read and understood the Privacy Policy when registering on the Site or in the Customer System by ticking the “tick” box below the text of this Policy or by clicking the “I Agree” button in the cookie bar that appears at the top of the Site page. The Privacy Policy may be reviewed at any time on the Website.
1.4. In processing your personal data, we comply with the 2016 27 April Regulation (EU) 2016/679 of the European Parliament and of the Council on the protection of natural persons with regard to the processing of personal data and on the free movement of such data and repealing Directive 95/46/EC (hereinafter referred to as the “Regulation”), the Law of the Republic of Lithuania on the Legal Protection of Personal Data (hereinafter referred to as the “LPL”), the Law of the Republic of Lithuania on Electronic Communications (hereinafter referred to as the “LER”), as well as the provisions of any other directly applicable legislative acts that regulate the protection of personal data, as well as the guidelines of the supervisory authorities of the data protection sector (the “Data Protection Inspectorate of the State Enterprise”).
2. What terms are used?
2.1. Personal data means 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, a personal identification number, location data and an online identifier, or to one or more factors specific to the natural person’s physical, physiological, genetic, mental, economic, cultural or social identity.
2.2. Data Subject – a natural person – a customer of the Company (including visitors to the Website) whose personal data is collected by the Company.
2.3. Consent of the data subject means any freely given, specific and unambiguous indication of the data subject’s wishes, by means of a statement or an unambiguous action, by which he or she freely consents to the processing of personal data concerning him or her.
2.4. ‘Processing’ means any operation or sequence of operations which is performed upon personal data or sets of personal data, whether or not by automated means, such as collection, recording, sorting, organisation, storage, adaptation or alteration, retrieval, access, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination with other data, restriction, erasure or destruction.
2.5. “Processor” means a natural or legal person, public authority, agency or other body which processes personal data on behalf of the Data Controller.
2.6. Data Controller – UADBB “OLVIRGA”, a company established under the laws of the Republic of Lithuania, code 179419555, registered office at Respublikos g. 4-1, 72255 Tauragė, Republic of Lithuania, the data about which are collected and stored in the Register of Legal Entities.
2.7. A cookie is a small piece of textual information that is automatically created when you browse the Website and stored on your computer or other terminal device.
2.8. Direct marketing means the activity of offering goods or services to persons by post, telephone or other direct means and/or seeking their opinion on the goods or services offered.
3. What personal data do we collect about you?
3.1. The Company collects and further processes the following personal data provided by you when registering and/or ordering services on the Website or ordering services in any other way: name, surname, personal identification number, address, e- mail adress, phone no, data relating to the provision of services, e.g. type of insurance, policy series, number, premium, registration number, make, model and other technical parameters of the insured car, information on movable and immovable property, health, the service and its ordering details, account numbers, bank, billing, billing, payment details, information on the consent and non-consent to the processing of personal data for the purposes of direct marketing, passwords, any other data you provide additionally on your own initiative when registering and / or ordering, managing services.
3.2. 3.1. Your personal data referred to in Clause 4.1 shall be stored for the period of cooperation between the Company and you (during the provision of the services) and for a period of 10 (ten) years from the end of this period.
3.3 The Company collects and further processes the following personal data that you indirectly provide when registering and/or ordering services on the Website, i.e. this data is automatically collected from the computers and/or mobile devices you use when you log in to the Website: IP addresses and times of logins, the browser and browser version used by the user, the websites you visited before you accessed our Website, data on the use of the services such as, Data collected using cookies and similar technologies related to web browsing, etc.
3.4. 3.3. Your personal data referred to in Clause 4.1 shall be stored for the period of cooperation between the Company and you (during the provision of the services) and, depending on the data, for up to one year from the end of this period. These data may be retained for a longer period of time if there are other legal grounds for such retention.
4. For what purposes do we process your personal data?
4.1. The Company processes your personal data for the following data processing purposes: for the processing and administration of the purchase (order) of services, for the identification of the Company’s customers in the Company’s information systems, for registering on the Website and logging in to your account, for the processing of accounting documents related to the ordering of the services, for the purpose of contacting you in relation to the fulfillment of the contractual obligations, and for the purpose of direct marketing (subject to prior consent of the data subject only).
5. How do we process your personal data?
5.1. We ensure that your personal data will: Processed in a lawful, fair and transparent manner; collected for specified, explicit and legitimate purposes and not further processed in a manner incompatible with those purposes; adequate, relevant and only as necessary for the purposes for which it is processed (data minimisation principle applies); accurate and, where necessary, kept up to date (accuracy principle applies), processed in such a way as to ensure, through appropriate technical and organisational measures, adequate security of personal data, including protection against unauthorised or unlawful processing and against accidental loss, destruction or damage (integrity and confidentiality principles apply).
6. What data subject rights do you have?
6.1. You have the following data subject rights, which we will exercise upon receipt of a request from you (by e-mail to olvirga.taurage@gmail.com; by post to Respublikos g. 4-1, 72255 Tauragė) and upon your proper identification: to have access to your personal data and the manner in which they are processed, to request the correction of inaccurate personal data relating to you, to request that incomplete data relating to you be supplemented, and to require the Company to delete the personal data relating to you in the following cases:
a. they are no longer necessary for the purposes for which they were collected or otherwise processed,
b. You withdraw your consent and there is no other legal basis for processing your personal data,
c. personal data have been processed unlawfully,
d. other grounds set out in the Regulation;
Request the Company to restrict the processing of your personal data, to receive the personal data relating to you that you have provided to the Company in a structured, commonly used and computer-readable format (you also have the right to ask the Company to transfer your personal data to another controller), to object to the processing of your personal data (e.g. for the purposes of direct marketing or other).
6.2. Please be informed that if you believe that your rights as a data subject have been violated, you may lodge a complaint with the State Data Protection Inspectorate. For more information about the State Data Protection Inspectorate and the complaints procedure, please click here: https://www.ada.lt/
7. How do we process personal data for direct marketing purposes?
7.1. Only with your prior consent and in accordance with the provisions of the EIR, the GDPR and the Regulation, we will send you the Company’s email newsletters. email and phone messages about services and/or enquire about the quality of existing services.
7.2. We process the following personal data for the purpose of direct marketing: name, surname, email address and telephone number.
7.3. Your personal data for the purpose of direct marketing is retained until you have opted out of receiving direct marketing communications.
8. Who do we provide your personal data to?
8.1. Access to your personal data by employees of the Company shall only be granted on a need-to-know basis for the performance of their duties and subject to the employee’s confidentiality obligation. Bendrovės darbuotojai rengdami draudimo pasiūlymą, draudimo sutartį ir vykdydami ar administruodami draudimo sutartis asmens duomenis perduoda draudimo bendrovėms.
8.2. Personal data is transferred to insurance companies by the Company’s employees in the course of the preparation of the insurance proposal, the drafting of the insurance contract and the performance or administration of insurance contracts.
8.3. We only use processors who ensure that appropriate technical and organisational measures are put in place in such a way that the processing complies with the requirements of the Regulation and that your rights as data subjects are protected.
8.4. Please note that the data processors listed above have the right to process your personal data only on our instructions.
8.5. The processor may not engage another processor without the prior specific or general written consent of the Company (controller).
8.6. Your personal data may also be provided in response to official requests from public authorities and the courts, but only after we have ascertained the lawfulness of these requests.
8.7. Your personal data may be transferred to other countries (including third countries) for the provision of relevant services to you (e.g. preparation of product offers by insurance companies registered in other countries, etc.), but only with your consent.
9. What links do we provide on the website?
9.1 The Website will contain links to third-party websites (e.g. https://www.lb.lt/), to legislation, as well as links to social networks (the ability to share the Website content on Facebook and LinkedIn, Instagram as well as YouTube). It should be noted that the third-party websites linked to the Website are subject to the privacy policies of these websites and the Company does not accept any responsibility for the content of the information provided by these websites, their activities and the provisions of their privacy policies.
Cookies
UADB Olvirga (hereinafter referred to as “the Company” or “we“) undertakes to ensure the security of the personal information of the visitors to the website (hereinafter referred to as “Visitors“) and the protection of the rights of the Visitors to the website https://www.olvirga.lt/ (hereinafter referred to as “the Website“) and the content contained therein.
When visiting the Website, the Company or the Company’s authorised service providers use various technologies to save data in order to make the Visitors’ use of the Website more convenient and safer, and the services offered more relevant.
This Cookie Policy is designed to help Visitors learn more about the technologies used on the website and how the Company uses them.
1. GENERAL INFORMATION ABOUT COOKIES
We use cookies on this website. They allow us to customise the operation of the Site to your needs, as well as making it easier for you to browse and use our Site.
Cookies – what are they?
Cookies are small text files (up to a few KB in size) placed on your computer, tablet or other smart device by your web browser when you visit and use our Website, click on a referral link, contact customer service through the Tawk.to app, or view a YouTube video. They allow the Website to store data such as: login data (IP address of the device logging in, time of logging in, city from which you are logging in); browser type; demographic data (age group, gender); data about how you browse the Website (which sections you visit, what products you are interested in).
Purposes for which we use cookies
With cookies we aim to: to ensure the efficient and secure operation of the Website; we use cookies to support our security features, which help us to detect and identify misbehaviour on our Website; to improve the performance of the Website; by monitoring the use of cookies, we can improve the performance of the Website and our online services, develop existing services, and improve functionality; analyse the performance when you visit our Website from other websites, devices or devices; identify returning Visitors to the Website; they help to display relevant information to Visitors; they also help to avoid re-registration and filling in forms for regular Visitors; analyse your habits to make the Website convenient, efficient and relevant to your needs and expectations, for example by ensuring that you can easily find what you are looking for; measure the flow of information and data sent to our Website; we use cookies to collect statistical data on the number of visitors to our Website and the use of our online services; for targeted marketing, advertising; we may use cookies to collect information in order to provide browser-specific advertising or content by creating different target groups; we may use cookies to serve relevant advertising both on and off our Site.
2. COOKIES USED ON THE WEBSITE
Each time you visit our Website, we may create long term cookies, which remain on your computer after you have logged out and will be used when you visit our Website again; they are valid and are not deleted when you have finished browsing the Website, and/or short term (session) cookies, which expire and are deleted when you finish browsing the Website.
Any cookies we use can only be used with your prior consent. You can express your consent by clicking on the “I agree” button in the cookie bar that appears at the top of the Website page.
Please note that essential cookies and analytical cookies are a condition of using the Website. If you refuse these cookies, we cannot be sure how, or if, our Website will work at all.
Below we list the main cookies used on the Website according to the type of cookie, the data collected and the validity period.
2.1. Cookies used by the Company
Strictly necessary cookies
These cookies on the Website are necessary to enable you to navigate and use the features of the Website, such as remembering the information you enter on forms during a session, accessing secure areas of our Website. Without these cookies, it would not be possible to provide certain services on the Website and the Website would not function as smoothly as it should.
Functional cookies
By using these cookies, Visitors can avoid having to change their settings each time they visit the Website. These cookies help to remember your preferences and settings (e.g. language or time zone). These cookies help Visitors to avoid changing their settings each time they visit the Site. Functional cookies also remember changes you have made, as well as in other cases, such as when you leave a comment on the Website. Functional cookies do not track your actions on other websites.
Analytical cookies
Analytical cookies tell us whether a Visitor has already visited the Website. These anonymous cookies help us to track the number of users and how often they visit. These cookies collect information about the use of the Website and help us to improve the Website. For example, analytical cookies can show which pages are visited most often, help to record problems on the Website, etc.
Promotional, targeted marketing cookies
These cookies allow us to record your visit to our Website, the pages you have visited before and the links you have followed. We will then use this information to ensure that the advertisements that are displayed are relevant to your interests. Advertising and targeted marketing cookies allow us to know whether you have already seen a particular advertisement or type of advertisement and how long it has been since you saw it. We may use cookies set by another entity to deliver more targeted advertising to you. They are also used to make sure that you only see certain adverts a certain number of times to help measure the effectiveness of the advert.
Information about the cookies used on the Website, their purpose, validity and the data used is provided below:
| Cookie name | Description / Type | Moment of creation | Period of validity | Data used |
|---|---|---|---|---|
| “session” | A standard cookie used to maintain a user session. Strictly necessary cookie | On entering the page | Until the website window closes | Unique identifier |
2.2. Cookies used by third parties
Third party advertising cookies – some of the adverts you see on the Website are provided by other entities. Some of these entities use their own cookies to analyse how many people have seen a particular advert or how many people have seen it more than once. The Companies that create such cookies apply their own policies and we have no control over the creation or storage of such cookies. We recommend that you check the privacy or cookie policies of those companies separately on their websites.
Other third-party cookies – on some pages of the Website, other entities (such as social network operators) may also use their own anonymous cookies in order to tailor the programmes or applications they develop to your needs.
Due to the nature of how cookies work, our website does not have access to the information transmitted by these cookies, just as other entities do not have access to the information collected by the cookies we set.
The most important third party cookies we use on the Website are:
Functional cookies: • Youtube • Facebook • tawkUUID – a cookie used to store information about the Tawk.to chat application
Analytical cookies: • Google Analytics
We use Google Analytics, a web analytics service provided by Google, Inc. The information collected by Google Analytics is transmitted to and stored by Google. Google may transfer information collected by Google Analytics to third parties where required to do so by law or where those third parties process the information on Google’s behalf. We recommend that you consult Google’s privacy and cookie policy separately.
Targeting, advertising cookies: • Adwords retargeting • Facebook retargeting
How are cookies used for advertising purposes?
Cookies and other advertising technology, such as pixels and tags, help us deliver relevant ads more effectively. They also help us provide research and reporting to advertisers, understand and improve our services, and know when content has been shown to you.
3. REFUSING, BLOCKING COOKIES
Many web browsers are set to automatically accept cookies. Visitors may block or delete cookies and similar unique identifiers at their own discretion, provided that their browser or device settings allow them to do so.
However, please note that essential cookies and analytical cookies are a condition of using the Website. If you refuse these cookies, we cannot be sure how, or if, our Website will work at all.
You can request that we delete all data collected and processed about you using cookies by contacting olvirga.taurage@gmail.com. Such data will be deleted no later than 30 days after the e-mail address provided.
You can control the use of other cookies by changing your browser settings. For more information on how to remove cookies, as well as other useful information relating to the use of cookies, please visit http://www.allaboutcookies.org/.
However, if you refuse or block cookies or other similar technologies, some features of the Website may not be available to you or may not function as smoothly.
4. GENERAL PROVISIONS
This Cookie Policy may be updated by the Company. The Company will inform Visitors of the updates by providing a new version of the Cookie Policy on the website. For this reason, we recommend that you periodically visit our Website where you will always find the most up-to-date version of this Cookie Policy.
This Cookie Policy applies from the date of its publication on the Website.
Information for the client (Policyholder, Insured and/or Beneficiary)
UADBB Olvirga (hereinafter referred to as “Olvirga”), legal entity code 179419555, registered office and business address Respublikos g. 4-1, Tauragė LT72255, is registered in the Register of Legal Entities of the Republic of Lithuania, with the State Enterprise Centre of Registers. Information on this is published and can be checked on the website of the State Enterprise Centre of Registers www.registrucentras.lt.
On 21.12.2004 Olvirga obtained a licence for insurance brokerage No 000059. This licence complies with the requirements of Directive 2002/92/EC of the European Union of 9 December 2002. The list of insurance brokerage firms is available on the Bank of Lithuania’s website www.lb.lt.
Olvirga’s authorised capital complies with the requirements of Lithuanian legislation. No share or other equity interest in Olvirga belongs to any insurance company or its parent company. Olvirga’s management is not influenced in any form by any insurance company or parent company. Olvirga does not hold any shares or other equity interests in an insurance company and/or influence the direct or indirect management thereof. Olvirga carries professional indemnity insurance in accordance with the requirements of the Republic of Lithuania and the European Union. Olvirga’s professional civil liability is insured with the insurance company BTA Baltic Insurance Company branch, whose address is: Laisvės pr.10 , LT-04215, Vilnius, Lithuania. Contact details: www.bta.lt, bta@bta.lt, +37052600600. You can apply directly to the insurance company mentioned above for out-of-court compensation for damages caused by Olvirga as an insurance brokerage company.
In advising you, Olvirga acts as an independent insurance intermediary, able to carry out insurance intermediation activities both on behalf of the client (policyholder, insured, beneficiary or injured third party) and on behalf of the insurance company (insurer). Nevertheless, Olvirga acts in all cases exclusively in the interests of the client (policyholder, insured, beneficiary or injured third party). If you wish, we will be happy to provide you with the names and other information about the insurance companies (insurers) with which we cooperate or may cooperate.
Disputes arising out of or in connection with the insurance contract and claims for damages shall be settled out of court by negotiation with the insurance company (insurer), unless otherwise specified in the insurance contract. If you believe that Olvirga has violated your rights or legitimate interests arising out of or in connection with the Agreements and you intend to apply to the Bank of Lithuania to resolve the dispute, you must first contact Olvirga in writing, stating the circumstances of the dispute and the claim. You can contact us in person at any Olvirga office, by sending your dispute information to Respublikos g. 4-1, Tauragė, LT72255 or e- mail ole@olvirga.lt.
Complaint handling:
The complaint will be dealt with within 14 calendar days of receipt of the complaint – in exceptional cases, the deadline may be extended. The hearing is free of charge.
If you (policyholder, insured, beneficiary or third party) are a consumer (i.e. a natural person whose personal (not related to his/her business or professional activity), family or household needs are met by an insurance service) and Olvirga does not satisfy your claims in accordance with the complaint, or satisfies them partially, you have the right to apply to Bank of Lithuania (Žirmūnų g. 151, 09128 Vilnius, www.lb.lt) to resolve the dispute in accordance with the procedure set out in the Law of the Bank of Lithuania and the Rules on Out-of-Court Settlement of Disputes between Consumers and Participants of the Financial Market Approved by the Board of the Bank of Lithuania.
In addition, you may lodge complaints about Olvirga’s activities out of court with the Chamber of Insurance Brokers (Vytenio g. 6, 03113 Vilnius, www.dbr.lt) in accordance with the procedure established by law. If Olvirga does not satisfy or partially satisfies your complaint, you also have the right to apply to the courts in accordance with the law.
Your personal data is processed for the purpose of insurance brokerage. Olvirga may provide personal data to companies carrying out insurance or insurance intermediation activities in accordance with the procedure established by the legislation of the Republic of Lithuania or the European Union, to the Financial Crime Investigation Service, to the State Tax Inspectorate of the Republic of Lithuania attached to the Ministry of Finance, to the Supervisory Service of the Bank of Lithuania, to the Insurance Bureau of the Republic of Lithuania, to the REGITRA State Company, and to the State Company Register Centre.
Your personal and special personal data may be collected from such sources of personal data as insured persons, policyholders, beneficiaries, companies carrying out insurance or insurance intermediation activities in accordance with the legislation of the Republic of Lithuania or the European Union, the Population Registration Service, the Office of Motor Insurers of the Republic of Lithuania, the State Enterprise REGITRA, and the State Enterprise Registers Centre.
You have the right to have access to your personal data, to request the rectification of incorrect, incomplete or inaccurate personal data and to request the destruction of your personal data or the suspension of the processing of your personal data by submitting a written request. In addition, you have the right to be informed: • from which sources and what personal data have been collected; • for what purpose the personal data are being processed; • to which recipients the personal data are being provided, and have been provided, in the last 1 year prior to the date of the request.
Requests for processing of personal data can be made in person at any Olvirga office and by presenting an Olvirga employee with an identity document or by e- mail to ole@olvirga.lt in accordance with the procedures laid down by law, by means of electronic communications which permit proper identification of the person concerned, after having verified his or her identity. The request must include the person’s name, contact details, personal identification number and the purpose of the request. Olvirga provides information about personal data to the data subject free of charge.
You have the right to object to the processing of personal data. If your objection is legally justified, Olvirga shall terminate the processing of your personal data free of charge. In the event that you refuse to provide the personal data necessary for the commencement and/or performance of the business relationship, or provide a notice of objection to the processing of the personal data, Olvirga may refuse to enter into the business relationship, or may apply to the insurance company(s) for the cancellation of the insurance contract as well as to terminate any other transactions or business relationships, if any.
Olvirga draws your attention to and strongly recommends that you read in detail the terms and conditions of the insurance products offered or ask your insurance broker to provide you with more detailed information on this subject. If the policyholder breaches the terms and conditions of the insurance contract, the insurer shall have the right, under the terms and conditions and in accordance with the procedure set out in the legislation and in the insurance contract (in particular, the insurance rules), to deem the insurance contract to have been terminated, to suspend the validity of the insurance cover, to offer to modify the insurance contract, to terminate the insurance contract prematurely, to demand that the insurance contract be recognised as null and void, to refuse to pay the sum insured or to reduce the sum insured, and (or) to impose any other measures provided for by the insurance contract. Please also note that the insurance contract (in particular the insurance rules) also covers possible increases in the risk.
