Privacy Policy / Cookie Policy

Privacy Notice

Indumar Insurance (hereinafter referred to as “we”) attaches great importance to the protection of your personal data and respects your rights regarding the processing thereof. This privacy notice explains how we collect, process and use your personal data in accordance with applicable legislation, including the General Data Protection Regulation (GDPR).

As a mandated underwriter (Managing General Agent), we act in the name and on behalf of one or more insurance undertakings. In the context of our activities, we may process personal data as a data controller or, depending on the specific processing activity, on behalf of an insurance undertaking. This notice only relates to the processing of personal data for which we act as data controller.

Data controller

The controller responsible for processing your personal data is Indumar Insurance, located at Schoonzichtstraat 27, 9051 Gent, company number 0463.027.223.

If you have any questions regarding this privacy notice or the processing of your personal data, you may contact us via info@indumar.be or by post at the above address.

When do we process your personal data?

We process your personal data in the context of our activities as a mandated underwriter, including when an insurance intermediary contacts us in relation to insurance, when we assess or accept an insurance risk, when an insurance contract is concluded, managed or executed or when you are involved in a claim. We may also process your data when you contact us directly or when you use our website. In addition, we may obtain personal data through insurance intermediaries, insurance undertakings, counterparties, experts or other parties involved in the context of our services.

Which personal data do we process?

We process personal data that you provide to us as well as data necessary to assess, accept and manage insurance risks, insurance contracts and claims.

This may include identification data such as your name, address, e-mail address and telephone number, professional data, policy and contract data, data relating to insured risks (such as information regarding property, activities or liabilities), as well as financial data.

In certain cases, we also process special categories of personal data, such as health data, only where necessary and in accordance with the applicable legal requirements.

When using our website, we may also process technical data such as your IP address and browsing behaviour through cookies. For more information, please refer to our cookie policy.

We may also use CCTV surveillance in and around our offices. This is always clearly indicated. The images are retained for a maximum period of one month unless they are necessary for establishing an offence or damage.

For which purposes do we process your data?

Your personal data are processed for various purposes related to our activities as a mandated underwriter. These include analysing, assessing and accepting insurance risks, entering into, issuing, managing and executing insurance contracts in the name and on behalf of the insurance undertakings for which we act, handling and following up claims, preventing and detecting fraud, as well as internal administration, reporting and risk management. In addition, we may process your data to comply with legal and regulatory obligations.

In the context of our services, we may use digital applications, including applications using artificial intelligence (AI), to support our employees in processing and analysing information. These applications may be used, among other things, to structure, summarise, search, compare or process information and communications.

Such applications are used exclusively for support purposes. Decisions that produce legal effects concerning you or otherwise significantly affect you are not made solely on the basis of automated processing.

We may also use your data for direct marketing purposes. If you are already a customer, we may inform you about similar products and services based on our legitimate interest. If you are not yet a customer, we will only contact you by e-mail for marketing purposes if you have given your consent. You may object at any time to the use of your data for marketing purposes.

What are the legal bases for processing?

The processing of your personal data is based on various legal grounds. In most cases, processing is necessary for the performance of a contract or in order to take steps at your request prior to entering into a contract. In other cases, processing is necessary to comply with a legal obligation.

Where processing is not necessary for the performance of a contract, it may be based on our legitimate interests, while always balancing our interests against your rights. In certain cases, processing may also be based on your consent. For the processing of special categories of personal data, we rely on an applicable legal basis and request your explicit consent where required.

Are your data shared with third parties?

Your personal data are mainly processed internally. In the context of our services, they may be shared with the insurance undertakings in whose name and on whose behalf we act, insurance intermediaries, IT and technology service providers (such as hosting providers, CRM systems, e-mail platforms and providers of digital and AI-supported applications), claims experts, legal advisers and other external partners supporting us with specific services.

In addition, we may be legally required to share personal data with public authorities or supervisory authorities.

In principle, your data are not transferred outside the European Economic Area. If this exceptionally occurs, we will ensure that appropriate safeguards are in place.

How long do we retain your data?

We do not retain your personal data longer than necessary for the purposes for which they were collected. The specific retention periods depend on the nature of the data, the purposes of processing and applicable legal and regulatory obligations.

Data relating to insurance contracts and claims are in any event retained for as long as necessary for their execution and follow-up and afterwards for the period during which we are legally obliged to retain such data or during which they may still be relevant in the context of potential disputes.

Prospect and marketing data are retained for as long as they remain relevant for the purposes for which they were collected or until you object or withdraw your consent.

CCTV footage is not retained longer than legally permitted unless a longer retention period is justified in connection with an incident.

Your rights

You have several rights regarding your personal data. You have the right to access your data, to rectify or erase them. In addition, you have the right to restrict processing, to object to processing and the right to data portability. Where processing is based on your consent, you may withdraw this consent at any time.

To exercise your rights, you may contact us via info@indumar.be. We may ask you to verify your identity.

If you believe that your data are processed unlawfully, you have the right to lodge a complaint with the Belgian Data Protection Authority (Drukpersstraat 35, 1000 Brussels - www.dataprotectionauthority.be).

Amendments

We reserve the right to amend this privacy notice. The most recent version is always available on our website.

Last updated: 29/09/2026

COOKIE POLICY

In the policy below, we inform you about the use of cookies on the website of Indumar Insurance. Our office uses cookies in accordance with the applicable legal requirements, our privacy statement and our cookie policy. This cookie policy gives you clear information about the cookies we use, the purpose for which we use them and how you can manage them.

WHAT ARE COOKIES, AND WHY DO WE USE THEM?

Cookies are small files that we store in your browser or on the hard drive of your computer. They serve to remember your preferences for a subsequent visit to our website, so that we can improve your visitor experience. We also use them to collect statistics about our visitors, which we subsequently use to optimise our website and to map out personal preferences.

Our system places strictly necessary cookies when you visit our website. Other cookies are placed only after you have given your consent. You can always withdraw your consent afterwards. You must then indicate in your browser settings that you refuse cookies. We cannot guarantee that you will have access to all functions of our website if you block the cookies, however. How you can manage your cookies is explained further in this text.

Do you want more detailed information about cookies? You can find it here.

WHICH TYPES OF COOKIES ARE USED?

The cookies that are used on our website can be subdivided into a number of categories.

• Session cookies are cookies that keep track of certain preferences during a browsing session, but disappear when you close your browsing session.
• Permanent cookies are cookies that are permanently placed on your device, at least until their duration period expires (this duration varies by type of cookie).
• First-party cookies are cookies that are placed by a website that is being visited by a user at that time. These are their own cookies.
• Third-party cookies are cookies that are placed by a domain name other than that of the website being visited by a user. These are cookies from a third party (e.g. Google).
• Technical cookies are cookies that are necessary for the optimal functioning of a website, in order to display certain graphic elements, etc.
• Analytical cookies are cookies used to compile statistics on the number of visitors to a website, to determine the most popular web pages, etc. (e.g. Google Analytics).
• Tracking cookies are cookies that are used to track website visitors over the Internet and subsequently, for example, to offer them personalised advertisements based on their surfing behaviour.

WHAT IS THE EFFECT OF COOKIES ON YOUR PRIVACY?

Some cookies collect personal data, directly or indirectly. For example, when you click on "remember me" when logging in, a cookie will save your username. IP addresses, for example, are also personal data that can be collected and processed. Cookies are therefore not completely anonymous, and that is why they are subject to the privacy legislation. In our privacy statement, you will find more information about the privacy policy of our office with regard to your personal data that is collected through our website.

WHICH COOKIES DO WE USE ON THIS WEBSITE AND FOR WHAT PURPOSES?

HOW CAN YOU MANAGE YOUR COOKIES?

You can manage your cookies through your browser settings. Here, you will find the instructions for:

• Internet Explorer
• Google Chrome
• Safari
• Mozilla Firefox

CHANGES

Indumar Insurance reserves the right to change or update this cookie policy at any time. You must always take the most current version on our website into account.

DO YOU STILL HAVE ANY QUESTIONS OR COMMENTS?

Do you have any questions or comments regarding cookies after reading our cookie policy? Feel free to contact us by phone on number +32 (0)3 219.20.02, or by e-mail to info@indumar.be.