Privacy Policy

Last updated on 13.11.2025.

Who is your Personal data controller?

Your personal data controller is Balcia Insurance SE (we, Balcia, insurer), registered in Latvia with the registration number 40003159840, legal address K.Valdemara Street 63, Riga, LV-1010, Latvia.

Phone: 82222, +371 20 682222 calling abroad

E-mail: [email protected]

Please refer to the last section of this document for more information about the countries where we operate and the relevant contact details.

How to contact our Data protection officer?

If you have any questions related with personal data processing done by Balcia, you can contact our data protection officer by sending an e-mail to [email protected].

Why do we process your personal data and on what basis?

We process your personal data for the following purposes:

(a) Provision of our services (including: your identification; conclusion and performance of the insurance contract; contract administration; communication with you in relation to contract conclusion or performance; insurance risk assessment and premium calculation; assessment and calculation of insurance claims).
Legal basis: conclusion and performance of a contract.

(b) Preparation and delivery of a new insurance contract offer.
Legal basis: your consent or Balcia’s legitimate interests (depending on the specific case).

(c) Prevention of misuse of Balcia’s services (including: prevention and detection of fraud; application of enhanced risk management measures to certain client profiles).
Legal basis: Balcia’s legitimate interests, fulfilment of a legal obligation, or performance of a task carried out in the public interest (depending on the specific case).

(d) Examination and administration of client complaints.
Legal basis: fulfilment of a legal obligation.

(e) Risk management (including within internal control and governance systems).
Legal basis: fulfilment of a legal obligation or Balcia’s legitimate interests (depending on the specific case).

(f) Improvement of services, business processes, and user experience (including: elimination of technical failures; conducting market research; enhancement of pricing models).
Legal basis: Balcia’s legitimate interests.

(g) Ensuring security and digital resilience (including implementation of physical and cybersecurity measures).
Legal basis: fulfilment of a legal obligation or Balcia’s legitimate interests (depending on the specific case).

(h) Protection of Balcia’s rights and interests (including: bringing, maintaining, and enforcing claims; debt recovery (including out-of-court); enforcement activities; assignment of claims).
Legal basis: Balcia’s legitimate interests.

(i) Direct marketing and advertising purposes (for example: sending commercial communications; approaching potential clients; delivering location-based content or offers).
Legal basis: consent or Balcia’s legitimate interests (where applicable).

(j) Fulfilment of obligations established by laws and regulations.
Legal basis: fulfilment of a legal obligation or performance of a task carried out in the public interest (depending on the specific case).

(k) Quality control of client service (including: monitoring of call content; verification of information provided to clients).
Legal basis: Balcia’s legitimate interests.

What personal data do we process?

We typically process the following categories of personal data:

(a) Identification data (e.g., full name and surname, national identification number, date of birth, age).

(b) Contact data (e.g., telephone number, e-mail address, postal address).

(c) Offer data (e.g., information provided when requesting an insurance quote or before concluding an insurance contract, such as details about the object to be insured, desired coverage, and relevant risk factors needed to prepare an individual offer).

(d) Contract and policy data (e.g., policy number; insurance product type; policy period; details of the insured object; information about policyholder, insured person, beneficiary and relevant third parties; coverage limits, deductibles, premiums, discounts; history of policy offers, renewals, amendments or cancellations).

(e) Financial and payment data (e.g., bank account number, payment history and outstanding balances; information about the payer; claim payment amount, recipient, and date).

(f) Claim and event data (e.g., details of the occurred event; information about damages; evidence; limited health-related data strictly necessary for assessing the claim; data of third parties involved in the event; correspondence and supporting documents).

(g) Risk management data (i.e., information necessary for managing risks relevant for our business).

(h) Communication data (e.g., recordings of incoming and outgoing calls; correspondence via emails, letters, online chats).

(i) Technical, device and digital interaction data (e.g., activity logs; IP address; app version; OS; device info; cookies; login credentials; network connection information).

(j) Geofencing data (e.g., device location; interaction with geographic zones; hashed customer profile references; marketing response data).

(k) Marketing and profiling data (e.g., preferences; participation in campaigns; identifiers linked to marketing campaigns; statistics).

(l) Regulatory and legal compliance data (e.g., data related to complaints, regulatory investigations, audits, sanctions screening).

How do we collect your personal data?

We collect personal data mainly in two ways:

(a) Directly (i.e., from you).

(b) Indirectly (i.e., from other sources), including brokers, agents, experts, service providers, public authorities, registers, and other lawful sources in line with GDPR.

Do we use cookies on our website?

Yes, we use cookies on our website. To learn more, read our Cookie policy.

Where we operate

Lithuania — Balcia Lithuania Branch
Registration No.: 304498010
Address: Perkūnkiemio g. 5, Vilnius, LT-12129, Lithuania
Tel.: +370 5200 0630
E-mail: [email protected]

Poland — Balcia Poland Branch
National Court Register (KRS): 0000493693
NIP: 5263124162 | REGON: 147065333
Address: Al. Jerozolimskie 96, 00-807 Warsaw, Poland
Tel.: +48 222 742 222
E-mail: [email protected]

France — Balcia France Branch
Registration No.: R.C.S. Nanterre 797 882 016 | SIRET: 797 882 016 00018
Address: 86 rue Anatole France, 92300 Levallois-Perret, France
Tel.: +33 (0)1 75 33 40 89
E-mail: [email protected]

Germany — Balcia Germany Branch
Registration No.: HRB 49268
Address: Senefelder Str. 17, 63322 Rödermark, Germany
Tel.: +49 (0)6074 91765 0
E-mail: [email protected]

Spain — Operations carried out under the freedom to provide services
Tel.: +371 6703 0500
E-mail: [email protected]

Italy — Operations carried out under the freedom to provide services
Tel.: +371 6703 0500
E-mail: [email protected]

Cookies Policy

What are cookies and what do they do?

Balcia Insurance SE (we, Balcia) uses cookies on Balcia’s website to save time and make your browsing experience more efficient and enjoyable, as well as for analytical and marketing purposes.

Cookies are text files that are stored by the website in the browser’s file directory of your computer or mobile device when you open the site. Each cookie includes the name of the website and a unique ID. Cookies operate like a memory of the website to help us to remember you and your preferences the next time you visit our website, for example, your selected language or region, so that you would not have to specify them each time anew.

Cookies also allow tracking the website visiting statistics, time spent on our website and what you do on our website (for example, which pages you visit and which buttons you click on), it helps us to understand what visitors like about our website and how we can make it more attractive for other visitors.

Cookies make the interaction between visitors and websites faster and easier. Without cookies, it would be very difficult for a website to remember the user's preferences or registration details for a future visit.

How do we use cookies?

On our website we use 'persistent' cookies that remain on your device until you erase them, or they expire, and the 'session' cookies – they will be erased when you close your internet browser.

We use cookies to personalize content and ads, to provide social media features, and to analyse our data traffic.

Necessary cookies

Necessary cookies are placed on our website by default. We need necessary cookies to help us run our website, and to help us detect any problems with it, as well as to remember our users while they are browsing our website. For example, we use a cookie that tracks your cookie privacy preferences so that we do not place analytics and advertising cookies if you do not want us to. This type of cookie will remain on your device even after you have stopped browsing the website so we can make sure we comply with our legal and regulatory obligations. Such cookies are used by us on the basis of Balcia's legitimate interest (Article 6(1)(f) GDPR), which is to inform You about our activities with the help of our website.

Statistics and advertising cookies

These allow us to recognise and count the number of visitors to our website, and see how visitors browse our website, so we can understand how our website content is performing and improve it. We use third party cookies for this purpose.

Advertising and analytics cookies also allow us to see what pages and links you have visited so we can provide more relevant ads. We may share this information with third parties, such as Google, Meta and LinkedIn, for the same purpose, they may combine this data with other information you provide to them or that they collect when you use their services. We also allow our trusted partners to place cookies or similar technologies for this purpose on our website. We only use non-essential cookies and similar technologies if You have given Your consent. Your consent is voluntary and You can withdraw it at any time. In addition, You can voluntarily decide at any time which type of data processing You would like to allow. The withdrawal of consent will not affect the lawfulness of the use of cookies and similar technologies made on the basis of consent before its withdrawal.

What cookies do we use?

To see which specific cookies we use on our website, the purposes for which we use them and their storage period, please click here to get to our cookie banner.

In addition, please note that with Your consent We are using the following marketing services which transfers, processes and stores the data collected outside the European Union:

Google Analytics, Google Enhanced Conversations and Meta Conversion API

We use Google Analytics on our website to improve the quality of the website content and tailor the content to your needs. Google Analytics is widely used traffic analytics tool that allows website owners to get deep and real time insight into how their site is being used, how much, and by whom. Google Analytics is like a map of our website that shows us how You behave when on our website. This gives us insight into our domain’s performance and lets us optimize it. You can find more information on Google Analytics here.

We use Google Enhanced Conversations and Meta Conversion API on our website to improve the accuracy of our web analytics and marketing activities in Google and Meta. Google Enhanced Conversions and Meta Conversion API send hashed first party data from our website to the channels in a privacy safe way.

Data that is collected with Google Analytics and Google Ads is transferred to, processed, and stored by Google (United States of America (U.S.)). U.S. state authorities have access to this personal data, and Google may use this personal data for any of its own purposes. Data protection safeguard level in the U.S. is not the same as in the European Union.

Data that is collected with Meta (Meta Platforms Ireland Ltd. or Meta Platforms, Inc.) may be transferred or transmitted to, or stored and processed in the U.S. or other countries for the purposes of maintaining and monitoring the infrastructure of the services, ensuring security protections, analyzing how services perform and other analytics purposes. Data protection safeguard level in the U.S. is not the same as in the European Union.

Can I change my cookies’ preferences?

Yes. You can manage your cookies preferences by clicking here. You can also manage your cookie preferences through our pop-up cookie banner that appears when you first visit the website.

You can also manage your preferences by changing your browser settings on your device to refuse the use of all or some cookies. However, if you block all cookies (including necessary cookies), you may not be able to use all or some parts of our website. You may also find that you are shown information on our website that is less interesting to you.

You can find more information here.

Please note, other organisations, such as advertising networks, may also use cookies to track you across different websites. We have no control over these cookies.

If we change the cookies we use, we will update our cookie banner and this Cookies Policy if necessary. You always can find the latest version of this Policy on our website.

You can find more information on how we process personal data in our Privacy Policy.

This version of the Cookie Policy has been updated on 26.06.2024.