Privacy and cookies

Privacy and cookies

We respect the privacy of visitors of the website and make sure that the personal information you give us is handled confidentially. Propertize has drawn up these Privacy Regulations to explain what it does with your personal data.

Propertize and your privacy

Your data will not be sold or rented out or otherwise made available to third parties, unless:
1. such third parties are engaged in handling your application and/or entering into and performing agreements;
2. if this is necessary in order to protect your rights and/or our rights;
3. if we are obliged to do so by law; and
4. if you have given us permission to sell, rent out or otherwise provide your personal data to third parties. Please note that, for counterterrorism purposes, the American authorities may claim your data if you make international payments using the SWIFT banking network.

For what purposes do we use your personal data? If you become a client with us, either directly or through your adviser, we will ask you for your personal data. We can use your personal data in order to:
• process your application;
• enter into agreements with you and perform those agreements;
• do statistic research;
• preserve the security and integrity of the financial sector;
• prevent and fight fraud;
• comply with the law;
• maintain and expand our relationship with you;
• make you offers;
• share it with business partners, such as advisers and reinsurers.

Passing on your personal data to the government

We are sometimes required by law to pass on your details to the government. Examples are the Tax and Customs Administration, the police, the judiciary or supervisory bodies such as De Nederlandsche Bank (DNB), The Dutch Authority for the Financial Markets (Autoriteit Financiële Markten - AFM) and the Dutch Data Protection Authority (College Bescherming Persoonsgegevens - CBP). We always observe all due care in these situations.

Criminal record

There are also financial products and services for which we have to ask you for information on your criminal record. We only ask for details concerning the last eight years or less prior to the application. Our websites and cookies We have made our websites as secure as possible to prevent misuse so that you can safely visit them. All employees who can see your details are under an obligation to keep them secret.

Cookies to enable a pleasant visit to our websites

We would like your visits to our websites to be as pleasant and as smooth as possible. This often requires cookies. They are small text files that are automatically placed onto your computer, tablet or mobile phone when you visit our website. We cannot always identify you personally immediately by means of cookies. If you do not register and do not leave any further personal data behind on the website, the website will only know that someone with a certain cookie has returned.

A cookie sometimes requires permission, but often it does not In principle, we are only allowed to place cookies if you have given us your permission to do so. We ask you for this permission through our website. You can also revoke your permission through the website. We will then no longer use or place the cookies. You can also always remove cookies yourself, using the browser of your computer, tablet or mobile phone.

Not all cookies require permission. You do not have to give permission for cookies that are necessary to communicate with you via internet or to provide a service or deliver a product to you. Examples are cookies to recognise you when you visit the website again. You then only need to provide your details, or record your preferences for certain services or settings of the web page once. In this way, we continuously improve the user friendliness of our websites.

What else do we do with cookies?

One of the goals of using cookies is to collect data on the use of the website, e.g. the number of visitors to our website. Cookies also enable us to see what information is important to our visitors and what is not. In this way, we can keep the website interesting for you.

We can use tracking cookies to personalise the content of a website and to create a profile of you. You will then see a website that we have adjusted to you and to your interests.

Tracking cookies also help us to monitor which pages you visit on the website and which search terms you enter. We combine this with other data such as the website you have come from, the date and time of your visit, the search engine you use, and certain technical details, such as your browser settings and your operating system. We record this data in a profile that we can add to whenever you visit our website. If you are already a customer, we can add any customer information we already know to your profile.

We are only allowed to place tracking cookies onto your computer, tablet or mobile phone if you give us permission to do so. Not all our websites work with tracking cookies. If you do not want any tracking cookies, you will not receive any offers or information that might be interesting to you. Of course, you can always continue to use the services we offer via internet, such as internet banking and your personal account, even if you do not want any tracking cookies.

For how long is a cookie effective?

Lots of cookies are temporary cookies that are removed automatically when you exit your browser. How long other cookies stay on your computer differs from cookie to cookie. You can find more information about this on the website.

Third-party cookies

Propertize may use external providers' advertising technology to get an insight into the effectiveness of internet advertisements that we may place on our own website and on the websites of other parties. Examples of such providers are DoubleClick and Google. The cookies of these providers are also referred to as ‘third-party cookies’. We also ask your permission for those cookies. They enable us to see how, i.e. via which website, you arrived at our website. This enables us to determine how effective our advertisements on other websites are. We also use these cookies to track which pages you visit on our website and which search terms you enter. We record this data in your profile. If you visit another website later and this website uses the same advertising technology we use, the cookie on your computer will be compared to the cookie data in our database. We will then determine, based on your profile, which of our advertisements you will be shown on such other website.

This advertising technology is used to store details about your use of our websites with the external providers from whom we procure these advertising technology services. The external providers cannot directly identify which person belongs to this information.

Social Media

Our websites may have buttons for Social Media such as Google+, Facebook or Twitter. These Privacy & Cookie Regulations do not apply to such Social Media. The use of Social Media is entirely your own responsibility. We recommend that you carefully read the privacy rules of such Social Media so that you know what is done with your data. Lots of Social Media providers have their registered seat outside the European Union and save your personal data outside the European Union. As a result, your personal data may not be protected at the same level as it would be in the European Union. If we have a page on any such Social Media ourselves, e.g. Facebook, these Privacy & Cookie Regulations do apply to the content of the page in question.

External links

Our website may contain links to other external websites. These Privacy & Cookie Regulations do not apply to such websites. If relevant, we try to keep the external links up to date and make sure they refer to the right websites. We are not responsible for the content of such websites and for how they handle your personal data. We recommend that you always read the information on such other websites about how they handle your personal data.

Recording phone calls and recording other communication

We provide some of our services over the phone. In some situations we may record these phone calls, e.g. in order to check and investigate orders and transactions, prevent and fight fraud, and to train and coach our staff. If possible, you will have the right to listen to the conversation that was recorded or receive a written report of it. If you have applied for a product or service from us via internet, we will keep the details of the application. We can also decide to save a record of your click behaviour while filling in the application and afterwards in order to prevent fraud. This enables us to see that an application may not have been filled in entirely truthfully, e.g. if an insurance that was initially refused is accepted afterwards because some answers in the application were later changed.

Would you like to receive information about your personal data?

You can ask us what personal data about you we process. This is a legal right, contained in the Dutch Personal Data Protection Act (Wet Bescherming Persoonsgegevens). You will then receive an overview of your personal data within four weeks. We can charge you for this.

You can ask us to change any incorrect details or to supplement details. If you feel that your personal data should be removed, e.g. because it violates the Dutch Personal Data Protection Act, you can also inform us accordingly. You can find the contact details at the bottom of these Privacy & Cookie Regulations.

Changes due to new developments

We can change the text of these Privacy Regulations with an eye to new developments, e.g. for the purpose of a change in our business operations. We therefore recommend that you read this text again every now and then when visiting this website.

Questions or further information?

If you have any questions about these privacy regulations, please send them to our Legal Department via the following address: Afdeling Juridische Zaken Propertize, P.O. Box 71, 3500 AB Utrecht, the Netherlands. Or use the contact form.