PJPK Sint Carolus

Kebijakan Privasi PJPK Sint Carolus

We, PJPK Sint Carolus (Carolus), treat your privacy and personal data protection seriously.

This Privacy Policy explains our policies and procedures regarding the collection, use, and disclosure of your information when you use our Services and informs you about your privacy rights and how the law protects you.

We use your Personal Data to provide and improve our Services. By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Personal Data We Process

Personal and contact details, such as full name, contact details, and address;
Date of birth, gender, and age;
Nationality, identity documents, and details contained therein (if relevant to our products or services);
Details of beneficiaries, such as name and relationship to you;
Family members, including mother's name (if relevant to our products or services);
Communication records with us, including phone calls and emails;
Products and services you use, including payment methods;
Usage of our products and services, including claims and payment history;
Information about products or services you use that are managed by our Marketing Partners;
Information we obtain from third parties, including insurance risk information, pricing, claims history, and usage history;
Health or medical information (if you apply for health or life insurance);
Employment status, job title, department, and institution (if relevant to our products or services);
Marital status, family, lifestyle, or social status (if relevant to our products or services);
Insights about you and our customers obtained from analysis or customer profiling;
Third-party transactions, such as when someone else uses our services on your behalf.

2. Where We Get Your Personal Data

We collect personal data from the following sources:

Directly from you, and information from family members, associates, or beneficiaries of our products and services;
Information generated when you use our products and services;
From brokers or other intermediaries (e.g., marketers, distributors, business partners) who work with us to provide products or services to you;
Cookies, location services, and IP addresses when you visit our website or mobile app;
Third parties, such as insurance companies, reinsurers, marketers, vendors, financial institutions, medical professionals, courts, or public records;
Surveys, investor conferences, roadshows, or when you update your contact form on our website.

3. Cookie Policy

Our website uses cookies to distinguish you from other users. This helps us provide you with a good experience when using our website and also enables us to improve our website. Cookies are small files containing letters and numbers that we store on your browser or hard drive. You have the ability to accept or reject cookies by modifying your browser settings.

We use the following types of cookies:

Essential cookies: These are cookies that are necessary for the operation of our website.
Analytical/performance cookies: These allow us to recognize and count the number of visitors to our website and to see how visitors move around our website when they use it.
Functional cookies: These are used to recognize you when you return to our website and to personalize content for you.

4. Use of Your Personal Data

We may use your Personal Data for the following purposes:

To provide and maintain our Services, including to monitor usage of our Services.
To manage your Account; to manage your registration as a user of our Services.
To perform a contract; to develop, comply with, and enforce contracts for products, items, or services you have purchased or contracted with us through our Services.
To contact you; to contact you by email, phone call, SMS, or other electronic communication means regarding updates or informational communications related to the functions, products, or services you have contracted.
To provide you with information, offers, and general information about goods, services, and events that are similar to those you have purchased or inquired about, unless you have opted out of receiving such information.

5. Storage of Your Personal Data

We will store your Personal Data only for as long as necessary for the purposes set out in this Privacy Policy. We will store and use your Personal Data to the extent necessary to comply with our legal obligations (e.g., if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

6. Reference Checks

For certain products, we may use credit reference agencies or publicly available information to help us verify your identity and prevent fraud and money laundering.

7. Use of Sensitive Personal Data

For certain products or services, we may need to process sensitive personal data, such as health or genetic information. Where we require your explicit consent to process such data, we will provide details about this at the time of collection and obtain your consent.

8. You're in Control

You have rights regarding how we use your personal data:

Request a copy of your personal data. (We reserve the right to charge a reasonable fee to fulfill these requests.)
Ask us to correct inaccurate data or complete incomplete personal data.
Complain to a data protection authority or other independent regulator about how we handle this data.
Request us to delete your personal data if it is no longer necessary for the purposes specified in Section A or if there is no other legal basis for processing, or if this is not restricted by the provisions.

9. Disclosure of Your Personal Data If the Company is involved in a merger, acquisition, or sale of assets, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and subject to a different Privacy Policy. In certain circumstances, the Company may be required to disclose your Personal Data if required by law or in response to a lawful request by a public authority (e.g., court or government agency). The Company may disclose your Personal Data in good faith with the belief that such action is necessary to:

Facilitate business transactions
Comply with legal obligations
Protect and defend the rights or property of the Company
Prevent or investigate potential wrongdoing in connection with the Service
Protect the personal safety of Users of the Service or the public
Protect against legal liability

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10. Acting on Behalf of Others?

When you provide us with personal data about another person (or someone), you should have been appointed and authorized by that person to act on their behalf. This includes giving consent for:

Our processing of their personal data and sensitive personal data (as we have explained in Sections 1-9 above); and
You receiving information protection notices on their behalf. If for any reason you are concerned about whether you are permitted to provide us with information about another person, please contact us at the email address below before submitting any information.

11. Changes to the Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will notify you via email and/or an important notice on our Service, before the changes become effective and updated. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when posted on this page.

12. Information Related to Marketing Consent

At the time you provide consent to receive information, product offers and/or services and to be contacted by Carolus and/or its affiliates (as well as third parties appointed by Carolus and/or its affiliates) for marketing purposes and service improvement, you understand and declare that the above consent includes:

Consent to be contacted and sent information regarding product offers and/or services, customer surveys, product campaigns through any available communication media (including but not limited to letters, electronic mail (email), short message service (SMS), telephone, and other digital/electronic communication media) by Carolus and/or its affiliates (as well as third parties appointed by Carolus and/or its affiliates); and
Consent to authorize Carolus and/or its affiliates (as well as third parties appointed by Carolus and/or its affiliates) to disclose your personal data information related to the interests as referred to in point (a). You can contact Carolus by phone at 0812-2085-4472 or office phone at 021-3145617 or 021-3904441 Ext. 2390, 2495, 2580 or send an email to pjpksintcarolus9@gmail.com if you no longer wish to receive product offers and/or service information from Carolus and/or its affiliates (as well as third parties appointed by Carolus and/or its affiliates).