Legal Notice & Privacy Policy

1. Website Publisher

This website is published by:

Osmose Assurance

• [Exact legal name of the company]
• [French legal form, e.g. SARL / SAS] with a share capital of €1,288,402

Registered office:

• SIREN number: 838 080 877
• SIRET number: 838 080 877 00015
• Registered with the Trade and Companies Register of [RCS city] under number 838 080 877
• Intra-Community VAT number: [to be completed, if applicable]

Telephone: +33 (0) 321 111 710
Email: 1098171@agents.allianz.fr

The publication director is:
[First name, surname and position of the legal representative]

2. Professional Status and Insurance Supervision

Osmose Assurance carries out insurance distribution activities as an Allianz General Agent.

Osmose Assurance is registered with the French register of insurance, banking and finance intermediaries, ORIAS, under number:

[ORIAS registration number]

Its registration may be verified on the official ORIAS register.

Osmose Assurance operates under the supervision of:

Insurance intermediaries operating in France must be registered with ORIAS, which enables the public to verify that they are authorised to distribute insurance products.

3. Website Hosting

This website is hosted by:

• [Full legal name of the hosting provider]
• [Legal form]
• [Full postal address]
• [Telephone number]
• [Website]

Where the website is hosted through Wix, the exact hosting entity and address shown in the applicable Wix contractual documentation should be inserted here.

4. Purpose of the Website

The purpose of this website is to provide general information about Osmose Assurance, its agency and the insurance products and services it distributes.

The information provided on this website is for general information purposes only. It does not constitute personalised insurance advice, a contractual offer, a guarantee of cover or a commitment by Osmose Assurance or Allianz.

The terms, conditions, exclusions, limits and availability of insurance products are those set out in the relevant contractual and pre-contractual documentation.

5. Intellectual Property

The general structure of this website and all content available on it, including, without limitation, texts, photographs, illustrations, graphics, icons, videos, documents, visual elements and software, are protected by applicable intellectual property laws.

Unless otherwise stated, such content is owned by Osmose Assurance or is used with the permission of its respective owners.

The Allianz name, logo, trademarks and associated visual elements are the property of Allianz or the relevant entities within the Allianz Group.

No part of this website may be reproduced, represented, modified, adapted, distributed, published or otherwise used, in whole or in part, by any means and for any purpose, without the prior written consent of the relevant rights holder, except where expressly permitted by law.

6. Liability

Osmose Assurance takes reasonable care to ensure that the information published on this website is accurate and up to date.

However, Osmose Assurance does not guarantee that the website will be free from errors, omissions, interruptions or technical issues.

Osmose Assurance may not be held liable for:

• any temporary inability to access the website;
• errors or omissions in the information published;
• any use made of the information available on the website;
• damage caused by malicious software, unauthorised access or third-party interference;
• the content or availability of external websites accessible through hyperlinks.

Users remain responsible for verifying that the products and services presented are suitable for their own circumstances and needs.

7. Personal Data Controller

For personal data collected directly through this website, the data controller is:

Osmose Assurance

Privacy contact: thierry.marcq@allianz.fr

Where a request relates to an Allianz insurance product, certain personal data may also be processed by the relevant Allianz entity, acting either as a separate data controller or in accordance with the allocation of responsibilities applicable to the relevant insurance product.

The applicable contractual and privacy documentation supplied in connection with the insurance product should be consulted for further information.

8. Personal Data We May Collect

Depending on how you use the website, Osmose Assurance may collect the following categories of personal data:

• your first name and surname;
• your postal address;
• your email address and telephone number;
• the content of your messages;
• information submitted through contact or quotation request forms;
• information concerning your insurance requirements;
• technical data, including your IP address, device type, browser and browsing data;
• cookie identifiers and audience-measurement information, where applicable.

Please do not submit sensitive personal data through a general contact form unless it is strictly necessary and the form expressly allows such information to be provided.

9. Purposes and Legal Bases of Processing

Your personal data may be processed for the following purposes:

The information provided to individuals must be complete, accessible and adapted to the context in which their data is collected.

10. Mandatory and Optional Information

Fields marked with an asterisk on website forms are mandatory.

Failure to provide mandatory information may prevent Osmose Assurance from responding to your request or preparing an insurance quotation.

Other fields are optional.

11. Recipients of Personal Data

Your personal data may be accessed, where necessary, by:

• authorised members of Osmose Assurance;
• the relevant Allianz entities;
• insurers and insurance partners involved in processing your request;
• IT, website-hosting, maintenance and communication service providers;
• professional advisers;
• public authorities and regulatory bodies where required by law.

Personal data is only disclosed to recipients who need access to it for the purposes described above.

Service providers acting on behalf of Osmose Assurance are required to process personal data in accordance with applicable data-protection requirements.

12. International Data Transfers

Some website, hosting, analytics or technical service providers may process data outside the European Economic Area.

Where such transfers occur, appropriate safeguards will be implemented in accordance with the GDPR, such as:

• an adequacy decision issued by the European Commission;
• the European Commission’s Standard Contractual Clauses;
• or another legally recognised transfer mechanism.

Further information concerning any applicable safeguards may be requested using the privacy contact details above.

13. Data Retention

Personal data is retained only for as long as necessary for the purposes for which it was collected and to comply with applicable legal and regulatory obligations.

Subject to the exact internal retention policy, the following indicative periods may apply:

• general contact enquiries: up to three years after the last contact;
• prospective customer and quotation information: up to three years after collection or the last contact, unless a contract is entered into;
• customer and contract information: for the duration of the contractual relationship and the applicable statutory limitation or archiving periods;
• evidence of consent: for as long as necessary to demonstrate compliance;
• technical logs: for a limited period proportionate to security requirements;
• cookies: for the period specified in the cookie policy and consent-management tool.

These periods must be checked against Osmose Assurance’s and Allianz’s effective retention schedules before publication.

14. Your Data Protection Rights

Subject to the conditions provided by applicable law, you have the right to:

• request access to your personal data;
• request the rectification of inaccurate or incomplete data;
• request the erasure of your data;
• request restriction of processing;
• object to processing based on legitimate interests;
• receive certain personal data in a structured, commonly used and machine-readable format;
• withdraw your consent at any time where processing is based on consent;
• provide instructions concerning the use of your personal data after your death, where French law permits;
• lodge a complaint with a supervisory authority.

Withdrawal of consent does not affect the lawfulness of processing carried out before the withdrawal.

To exercise your rights, please contact:

thierry.marcq@allianz.fr

or write to:

To protect your information, proof of identity may be requested where there is reasonable doubt regarding the identity of the person making the request.

You may also lodge a complaint with:

15. Cookies and Similar Technologies

This website may use cookies and similar technologies.

Strictly necessary cookies may be placed without consent where they are essential to the operation of the website or to a service expressly requested by the user.

Other cookies, including certain analytics, advertising or third-party cookies, will only be placed after the user has given consent, where consent is required.

Users must be able to:

• accept or reject non-essential cookies;
• make their choices by purpose;
• withdraw or amend their consent at any time;
• obtain information about the cookies used, their providers, purposes and duration.

You can manage your preferences through the “Cookie Settings” link available on the website.

Under French rules, prior consent is required for non-essential cookies, whereas certain strictly necessary or qualifying audience-measurement trackers may be exempt.

16. Complaints

For any complaint concerning the services provided by Osmose Assurance, please contact the agency in the first instance:

Telephone: +33 (0) 321 111 710
Email: tania.villanueva@allianz.fr

The complaint-handling procedure, applicable response times and escalation route should be stated here or made accessible through a separate Complaints Procedure page.

Where the complaint relates to an Allianz product, the relevant Allianz complaints procedure must also be reproduced or linked in accordance with the instructions applicable to Allianz general agents.

17. Mediation

If you are a consumer and remain dissatisfied after completing the applicable internal complaints procedure, you may refer the matter free of charge to the competent consumer mediator.

Competent mediator:

• [Exact name of the mediator]
• [Postal address]
• [Website]

The exact mediator and referral procedure must be confirmed with Allianz before publication, as they may depend on the product, insurer and nature of the dispute.

The ACPR confirms that customers should first submit their complaint to the professional and may then contact the competent mediator if the response is unsatisfactory or no response is provided.

18. External Links

This website may contain links to third-party websites.

Osmose Assurance has no control over such websites and accepts no responsibility for their content, availability, security or privacy practices.

The inclusion of a link does not imply endorsement of the third-party website or its content.

19. Governing Law

This website and these legal notices are governed by French law.

Any dispute shall be subject to the jurisdiction of the competent French courts, subject to any mandatory consumer-protection rules and the consumer’s right to use an applicable mediation procedure.

20. Amendments

Osmose Assurance may amend this Legal Notice and Privacy Policy at any time, particularly to reflect legal, regulatory, technical or operational changes.

The version published online on the date of consultation is the applicable version.