Privacy  Policy

VZP for Foreigners is The Company referred to below as Licensed by the Czech National Bank and New York State Department of Financial Services to intermediate all Foreigners’ Comprehensive Health Insurance in the Czech Republic in long, short or abbreviated form both in language and in coverage.

Refer to the Terms and Conditions of our three Health Insurance Plans for obligations, liabilities and liable parties to all offers contained herein.

VZP for Foreigners Czech Health Insurance .'s privacy policies include guidelines and procedures relating to VZP for Foreigners Foreigners Health Insurance . use and disclosure of information about our customers and individuals who visit our website.

 

Customer Privacy Policy

 

The companies in the VZP for Foreigners Comprehensive Health Insurance . believe in protecting the confidentiality and security of information we collect about individuals. This policy describes how some of the companies in our group use the information we receive about you if you become a VZP for Foreigners Czech Health Insurance .'s, apply for any of our products or services, or register with us.

 

If you access our websites for information relating to our products and services or to purchase any of our products and services, our list below provides further information on how we collect, use and share the information you provide to us online.

 

How We Learn About You

 

What we know about you we obtain mostly from you when you apply for one of our products or services. But we may also have to find out more about you from other sources in order to make sure that what we know about you is correct and complete. These sources may include your adult relatives, employers, health care providers, credit reference agencies, other insurers and other financial services providers, consumer reporting and anti-fraud agencies. Some of our sources may provide us with reports relating to you.

 

How We Protect What We Know About You

 

The security and confidentiality of your information is extremely important to us. That’s why we have technical, administrative, and physical security measures in place to protect your personal information from unauthorized access and improper use. Our employees are trained to take care in handling your information. They may obtain information about you only when there is a good reason to do so. We also take steps to secure our computer databases and to safeguard the information we have about you.

 

How we treat personal information on a business sale

 

The security and confidentiality of your information is extremely important to us. That’s why we have technical, administrative, and physical security measures in place to protect your personal information from unauthorized access and improper use. Our employees are trained to take care in handling your information. They may obtain information about you only when there is a good reason to do so. We also take steps to secure our computer databases and to safeguard the information we have about you.

 

How We Use and Disclose What We Know About You

 

We may use the information we have about you to help us serve you better. We may use and share your information with other companies in the VZP for Foreigners Health Insurance . Group to:

 

Help us evaluate your request for a VZP for Foreigners Health Insurance . product or service

Help us process claims and other transactions

Confirm or correct what we know about you

Help us prevent fraud, money laundering, terrorism and other crimes by verifying what we know about you

Perform research for us

Help us comply with the law by, for example, sharing your information with the police or fraud agencies to prevent fraud

Audit our business

We may share your information with other third parties for these purposes. For example, for processing an application or any claim, we may share your information with credit reference agencies, police, consumer reporting and anti-fraud agencies. This may include other insurers and financial services providers to prevent and detect fraudulent and exaggerated claims.

 

When we share your personal information with others who perform business services for us, they are required to take appropriate steps to protect this information and may only use the information for the purpose of performing those services.

 

Other reasons we may share what we know about you include:

 

Sharing your information with your financial services advisor so that they can advise and service you

Sharing information with other financial services providers where we provide or administer products and services with carefully selected businesses, such as where we distribute another business’ products or services, or where we re-insure

Doing what a court or government agency requires us to do; for example, complying with a search warrant or court order or acting as required or permitted by applicable law or regulation>

Giving information to the government so that it can decide whether you may get benefits that it will have to pay for

Using your personal information for marketing purposes

 

We may use or share your information within the to market you our products and services, and those of carefully selected businesses, and we may share your information with carefully selected business so that they can market their products and services to you.

 

We will only share your information within the VZP for Foreigners Health Insurance . group or with carefully selected businesses to market products and services to you.

 

How You Can See and Correct Your Information?

 

Generally, we will let you see the information that we hold on you if you ask us in writing. We may make a small charge for this service. Due to legal privilege, we may not be able to show you anything that we learned in connection with a claim or legal proceeding. If you tell us that the information we hold on you is incorrect, we will review it and if we agree with you, we will correct our records. If we do not agree with you we will let you know. If you wish, you can tell us in writing that you believe our records still to be incorrect and we will include your statement when we give your information to anyone outside VZP for Foreigners Health Insurance .. For more information, please contact us

 

How will you know if we amend this Customer Privacy Policy?

 

We may amend this Customer Privacy Policy at any time. If we make any material change in how we collect your personal information, or how we use or share it, we will prominently post notice of the changes on the websites covered by this Customer Privacy Policy. Any material changes to this Customer Privacy Policy will be effective 10 days after our posting of notice of the changes on the websites covered by this Customer Privacy Policy.

 

Online Privacy Policy

 

The companies in the VZP for Foreigners Health Insurance . recognise the importance of protecting all information that you, our online visitor, may choose to provide to us. To further this commitment, we have adopted this Online Privacy Policy to tell you how some of the companies in our group collect, use and share the information you provide to us online.

 

In addition to this Online Privacy Policy, we also have other more general privacy policies that may apply to you as a VZP for Foreigners Health Insurance . customer, if you contact us for further information or if you apply for any of our products or services.

 

What information does this Online Privacy Policy cover?

 

This Online Privacy Policy only applies to personal information collected on websites with a link to this Online Privacy Policy, and does not apply to information collected by VZP for Foreigners Health Insurance . through any other means. It covers how we collect, use and share personal information submitted and collected online.

 

This policy only covers websites operated by VZP for Foreigners Health Insurance .. It doesn’t apply to any other websites operated by other companies or organizations to which VZP for Foreigners Health Insurance . websites are linked. VZP for Foreigners Health Insurance . is, therefore, not responsible for the content or activities provided on those websites.

 

What types of personal information do we collect about our online visitors?

 

Personal information is information that identifies you. Generally, we don’t require you to give us personal information to access public areas of our website. Certain secure web areas, however, enable or require you to provide personal information online when you use specific features on our website. For example, we collect personal information from you when you:

 

Apply for or obtain a VZP for Foreigners Health Insurance . product or service

Register to access your financial account information

Ask to have a VZP for Foreigners Health Insurance representative contact you

Ask to receive information about our products or services

Participate in any VZP for Foreigners Health Insurance promotion or survey

This personal information may include:

 

Your Name

Policy Number

Financial information

National Insurance number

Telephone number

E-mail address and

Postal address

Additionally, we may also collect other types of information such as your age or date of birth, gender, occupation and hobbies.

 

For further information on how we use the personal information we receive about you if you become a VZP for Foreigners Health Insurance . customer, or apply for any of our products or services, or register with us, please click here to view our customer privacy policies.

 

Do we collect personal information from children?

 

We do not knowingly collect personal information from those under 18 years of age.

 

What kind of security measures do we have to safeguard your personal information?

 

The security and confidentiality of your information is extremely important to us. That is why we have technical, administrative, and physical security measures in place to protect your personal information from unauthorized access and improper use. For example, the areas of our website that enable or require you to submit personal information online use encryption to protect that information. We also review our security procedures periodically to consider appropriate new technology and updated methods.

 

How is your personal information used and shared?

 

We may use and share your personal information with other companies within the VZP for Foreigners Health Insurance . family and third party VZP for Foreigners Health Insurance . suppliers to:

 

Authenticate your identity

Provide you with online planning tools

Process an application for our products or services and administer your account information

Respond to your product or service information requests

Send you customer newsletters and updates

Provide you with further information that may be of interest, including marketing information on other products and services

For other business purposes, such as product development and website administration

We will only share your personal information with third parties who are VZP for Foreigners Health Insurance . suppliers. We won’t share your personal information with any other third parties for their own direct marketing purposes. If you sign up to receive newsletters or other e-mail messages from us, you can opt-out at any time by clicking the unsubscribe link at the bottom of the message. You may also choose to opt-out from receiving marketing materials from us by contacting us using the details below in the section headed ‘Obtaining further information from us’.

 

For further information on how we use the personal information we receive about you if you become a VZP for Foreigners Health Insurance . customer, request further information from us or apply for any of our products or services, please click here to view our customer privacy policies.

 

What kinds of security measures do we take to safeguard your personal information?

 

The security and confidentiality of your information is extremely important to us. That’s why we have technical, administrative, and physical security measures in place to protect your personal information from unauthorized access and improper use. For example, the areas of our website that enable or require you to submit personal information online use encryption to protect that information. We also review our security procedures periodically to consider appropriate new technology and updated methods. But, despite our reasonable efforts, no security measure is ever perfect or impenetrable.

 

How we treat personal information on a business sale?

 

From time to time, we may sell one or more of our businesses or products and services to another provider, and your personal information may be transferred as a part of the purchase or sale. If we sell a business or any of our products and services to another provider, your information may be shared with a prospective or new provider. Any new provider will continue to use your information for the same purposes unless you are notified otherwise. This paragraph will also apply if we are sold as part of insolvency proceedings.

 

What other parties will we share your personal information with and why?

 

We may disclose any information as permitted or required by law, when we believe in good faith it is necessary for safety purposes, required for legal reporting, or to protect our legal rights or enforce our Terms of Use of our website or any competition rules. We may also disclose information about you to our auditors, regulators, legal advisors, or to respond to a court order.

 

What other parties will we share your personal information with and why?

 

Generally, we will let you see the information that we hold on you if you ask us in writing. We may make a small charge for this service. Due to legal privilege, we may not be able to show you anything that we learned in connection with a claim or legal proceeding. If you tell us that the information we hold on you is incorrect, we will review it and if we agree with you, we will correct our records. If we do not agree with you we will let you know. If you wish, you can tell us in writing that you believe our records still to be incorrect and we will include your statement when we give your information to anyone outside VZP for Foreigners Health Insurance .. You can contact us using the details below in the section headed ‘Obtaining further information from us’.

 

How will you know if we amend this Online Privacy Policy?

 

We may amend this Online Privacy Policy at any time. If we make any material change in how we collect your personal information online, or how we use or share it, we will prominently post notice of the changes on the websites covered by this Online Privacy Policy. Any material changes to this Online Privacy Policy will be effective 10 days after our posting of notice of the changes on the websites covered by this Online Privacy Policy.


Third Party Websites and Content
The Site may contain links to third party websites and content. This Policy applies only to the Site and to VZPforForeigners.cz Health Insurance Limited collection and use of your information. The linked websites and content of third parties, and third parties’ collection and use of your information, are governed by the terms of use and privacy policies of such third parties and websites. We encourage you to independently inform yourself about the privacy practices of such third parties and websites.

 

In addition, VZPforForeigners.cz Health Insurance Limited does not endorse, is not responsible for, and makes no warranty or representation as to the quality or accuracy of third party content, or as to the quality or accuracy of information, goods, or services provided on or offered in connection with third parties’ websites.


Intellectual Property
VZPforForeigners.cz Health Insurance Limited owns all right, title and interest in and to the Site and its proprietary content, including all intellectual property rights therein. All rights not expressly granted to you herein are expressly reserved to VZPforForeigners.cz Health Insurance Limited.

 

Modification or use of VZPforForeigners.cz Health Insurance Limited's proprietary content for any purpose other than as expressly permitted herein or on the Site is strictly prohibited. No right, title, or interest in any such content is transferred to you as a result of accessing it through the Site. Unless otherwise specified, you may not copy, modify, distribute, transmit, display, reproduce, publish, license, create derivative works from, link to or frame in another website, use on any other website, transfer or sell any proprietary content obtained from the Site, without written permission from VZPforForeigners.cz Health Insurance Limited. The foregoing prohibition expressly includes, but is not limited to, the practices of “screen scraping” and “data mining.”


Collection and Use of Personal Information
When you use the Site, we may use technology to automatically collect non-personally identifiable information including: The dates and times that you visited the Site or logged in to your account. The pages that you visited on the Site and the content that you accessed or viewed. Any searches that you performed on the Site.

We may use analytic tools in connection with such automatically collected non-personally identifiable information to better understand who is using the Site and how they are using it, and to manage and improve the Site.


Exceptions
VZPforForeigners.cz Health Insurance Limited may disclose information collected through the Site, including Personal Information: (a) if required to do so by law; (b) if in good faith we believe that disclosure is necessary to comply with local, state, or federal laws, or to respond to a court order, judicial or other governmental subpoena, or warrant; or (c) in the event of bankruptcy proceedings.

Security
VZPforForeigners.cz Health Insurance Limited undertakes reasonable steps to protect Personal Information from unauthorized or accidental access, disclosure, misuse or processing, or from alteration, destruction, or loss. In addition, certain areas of the Site, such as where credit card or other payment information is provided, are designed to collect and transmit Personal Information securely. However, as no security measures are perfect or impenetrable, we cannot guarantee the security of any information you transmit to us.

 

Use of the Site is restricted to VZPforForeigners.cz Health Insurance Limited and its authorized users. Unauthorized access or use of the Site, including without limitation unauthorized entry into the Site, misuse of passwords, or misuse of any content within the Site, is strictly prohibited.

Disclaimer of Warranties

 

Please be advised that there are security and other risks associated with using open networks such as the Internet. By accessing and using the Site and its content, you expressly assume such risks. While VZPforForeigners.cz Health Insurance Limited intends that content found in or on the Site is accurate and reliable, errors and inaccuracies may occur. In addition, VZPforForeigners.cz Health Insurance Limited may make changes, modifications, additions, deletions and improvements to the content provided in or on the Site at any time. Accordingly, VZPforForeigners.cz Health Insurance Limited cannot and does not warrant:
 

The safety, reliability, accuracy, timeliness, usefulness, adequacy, completeness or suitability of content in or on the Site;
 

Freedom from human and machine errors, omissions, delays, interruptions or losses, including loss of data;
 

That the Site and its content is free of infection by viruses, worms, or other code That may harm your computer or system;

That access to the Site will be uninterrupted or error-free; or

That defects or inaccuracies will be corrected by a time certain.

 

THE SITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, VZPforForeigners.cz Health Insurance Limited DISCLAIMS ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NONINFRINGEMENT AND ANY WARRANTIES ARISING FROM THE COURSE OF DEALING OR PERFORMANCE. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR ACCESS AND USE OF THE SITE AND ITS CONTENT.

 

Under no circumstances shall VZPforForeigners.cz Health Insurance Limited or its officers, directors, agents, employees, sponsors, or partners be responsible or liable for any direct, indirect, incidental, consequential, special, exemplary, punitive or other damages, whether based in contract, tort or otherwise, arising out of or relating in any way to your access or use of the Site or its content, even if VZPforForeigners.cz Health Insurance Limited has been advised of the possibility of such damages. Your sole remedy for dissatisfaction with the Site and/or its content is to stop using the Site and/or the content.


Children’s Privacy
Protecting the privacy of young children is especially important. For that reason, we do not knowingly collect or maintain information from persons under 13 years of age, and no part of our Site is structured to attract anyone under 13. If you are under 13 years of age, please do not use or access the Site at any time or in any manner. If we learn that Personal Information of persons under 13 years of age has been collected on the Site without verified parental consent, we will take the appropriate steps to delete this information.

Contact Information
If you have any questions or comments regarding how your Personal Information is treated under this Policy, or about the implementation of the principles of this Policy, we encourage you to Contact Us.