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Terms & Conditions

TERMS AND CONDITIONS OF GENERALI GLOBAL ASSISTANCE IDENTITY PROTECTION PRODUCTS

Generali Global Assistance, Inc. (“GGA” and “We”) provides the services listed below (“the Products”), which are part of GGA’s Identity Protection Program ("IDP"). The IDP Products may only be used by you in accordance with these Terms and Conditions (the “Terms”). Services listed below are available for one person only “Member”.

Some IDP Product features may be provided through authorized third party providers and may be subject to additional terms and conditions implemented by those authorized providers.

A. DEFINITIONS

“Member and “You” means an individual person who has purchased IDP and is duly enrolled in compliance with the terms of enrollment. A Primary Member must be at least 18 years of age to purchase IDP and a citizen or legal resident of the country indicated in the home address during enrollment.

B. PREVENTION AND DETECTION PRODUCT SERVICES

IMPORTANT NOTICE: AS AN IDP MEMBER YOU ARE ENTITLED TO RECEIVE ANY OF THE IDP SERVICES LISTED BELOW THAT ARE INCLUDED IN YOUR IDP PROGRAM MEMBERSHIP PLAN. IN ORDER TO USE SOME SERVICES INCLUDED IN YOUR IDP MEMBERSHIP YOU MUST FIRST ACTIVATE THE INDICATED SERVICES BY PROVIDING US OR OUR APPROVED THIRD PARTY SERVICE PROVIDERS WITH ADDITIONAL INFORMATION ABOUT YOURSELF. PROVIDING SUCH INFORMATION IS ENTIRELY OPTIONAL, BUT IF YOU CHOOSE NOT TO PROVIDE THE REQUESTED INFORMATION, SOME INCLUDED SERVICES WILL NOT BE AVAILABLE FOR YOU TO USE OR YOU MAY NOT BE ABLE TO RECEIVE ALL THE FEATURES OF INCLUDED SERVICES. ALL PERSONAL INFORMATION WE RECEIVE FROM YOU WILL BE TREATED AS CONFIDENTIAL AND WILL BE USED ONLY BY GGA AND ITS APPROVED SERVICE PROVIDERS TO HELP PROVIDE THE PRODUCT SERVICES YOU HAVE REQUESTED.

ScamAssist® Research Service: If your Program includes this service, GGA will attempt to help you determine if an offer or solicitation you have received is an apparent scam, is from a malicious source, or is otherwise unsafe to engage with. You will be entitled to open up to four (4) ScamAssist® cases in any given calendar month. Please see Section K of these Terms, Limitations and Exclusions, paragraph 4, ScamAssist® Research Service Limitations, for further information on these services.

C. IDENTITY THEFT RESOLUTION PRODUCT SERVICES

If you or a family member experience an identity theft incident (“Identity Theft”) our Identity Theft Resolution services can help. Upon notification of an Identity Theft of a Member and receipt of a duly completed and executed authorization form from the Member, we treat each Identify Theft as an emergency and will perform any or all of the following steps necessary to attempt to undo or prevent further damage to you:

1. Identity Theft Resolution Assistance: Our team of Identity Theft Resolution Specialists will provide expert advice on how to resolve concerns of identity theft, identity risk related incidents and on how to safeguard the information of a victim or potential victim.(Limitation may apply due to legal restrictions per country).

2. Spanish and French Support: GGA will provide support in English, Spanish, and French

3. Assist with Pre-Existing Incidents: Even if an incident of Identity Theft occurred prior to your joining our Program, as long as you were not aware of this incident at the time of your enrollment, our Resolutions Specialists will work to correct any identity-related issues you may be experiencing from this pre-existing incident. (INSURANCE COVERAGE IS EXCLUDED FOR THIS SERVICE).

4. Inform Police/Legal Authorities: We'll provide resources such as telephone numbers, websites and connect victims to local authorities if needed to report the fraudulent activities.

5. Locate Authorities Nearby: When you are away from home, we will assist in locating local authorities for you to report any incidents of fraudulent activity.

6. Lost Wallet Assistance: We'll provide resources such as telephone numbers, websites or addresses of appropriate institutions depending on the issues that need to be addressed, such as replacing stolen or missing items such as credit/debit card, driver’s license, Social Security card, or passport.

7. Emergency Cash Advance: If you experience Identity Theft more than 100 miles from your primary place of residence, we’ll provide you an emergency cash advance of up to $500. All costs associated with this service will be your responsibility. These services must be secured by a valid credit card. Any advance made to you, not otherwise secured by a valid credit card and paid to GGA by the credit card company within 30 days of such advance, must be reimbursed by you to us within 45 days from the date such advance is made. Thereafter any amount due will accrue interest at a rate of 1.5% per month. Notwithstanding anything to the contrary herein, GGA shall be under no obligation to advance funds not otherwise secured by a valid credit card.

8. Emergency Travel Arrangements and Journey Continuation: If you experience Identity Theft while traveling more than 100 miles away from home, we’ll assist with making emergency travel arrangements, including airline, hotel, and car rental reservations. Costs associated with these arrangements are your responsibility.

9. Global IDP Kit: Provides valuable information on how to approach various types of identity theft or identity risk related incidents.

10. Europe Identity theft insurance program: If your Program includes insurance and if you become a victim of identity fraud while enrolled in the IDP, the Identity Theft Insurance can:

• In the event of an ID theft that results in a direct financial loss, reimburse you the following loss suffered: loss of salary in the event of taking unpaid leave for legal proceedings or criminal investigations, cost of rectifying records with banks or legal authorities, postal charges and telephone calls outside of the rate plan to report the ID theft event to legal authorities, financial institutions.

• Provide you with legal support in the settlement of your dispute. The service includes information on rights and obligations, legal actions and procedures to take in relation to the events covered. If need be, you will be referred to a law professional of the Europ Assistance network to engage the necessary actions.

• In the event of an Identity Theft having consequences on your emotional state or mental health, provide psychological guidance and advice to help you cope with the situation. If need be, you will be referred to a psychologist of the Europ Assistance network to engage in an in-depth treatment.

Conditions and payment limits exist for each category and some exclusions apply. Please carefully read the full summary of benefits and the actual Master Policy of insurance to understand full coverage benefits and applicable exclusions and limits of coverage.

Identity Theft Insurance is provided under a collective policy of insurance underwritten by Europ Assistance S.A. a French stock corporation, with a share capital of 46,926,941 €, registered with the Nanterre Trade and Companies Register under No. 451 366 405, having its registered office at 2, rue Pillet-Will, 75309 Paris cedex 09 France, regulated by the French Insurance Code and acting through its Irish branch EUROP ASSISTANCE S.A., IRISH BRANCH, registered with the Irish Companies Registration Office under No. 907 089, having its registered office at Ground Floor, Central Quay, Block B, Riverside IV, SJRQ, Dublin 2, DO2 RR7, Ireland. This summary is intended for informational purposes only and does not include all terms, conditions and exclusions of the policy. Insured persons must refer to the actual policy for terms, conditions, and exclusions of coverage. Insured persons must also review their summary description of benefits.

UK residents: For a copy of the Insurance Conditions, click here and Product information click here.

Ireland residents: For a copy of the Insurance Conditions, click here and Product information click here.

D. LIMITATIONS AND EXCLUSIONS:

1. General Limitations

EXCEPT FOR EXPRESS WARRANTIES, IF ANY, STATED IN THESE TERMS AND CONDITIONS, ANY SOFTWARE USED OR SERVICES PROVIDED IN CONNECTION WITH THE IDP AND ASSOCIATED PRODUCTS, IS PROVIDED “AS IS,” WITH ALL FAULTS, AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY, AND EFFORT IS WITH YOU, THE USER. IN ADDITION, GGA EXPRESSLY DISCLAIMS ANY IMPLIED WARRANTY OF MERCHANTIBILITY, FITNESS FOR A PARTICULAR PURPOSE, AND SUITABILITY FOR YOUR INTENDED PURPOSES.

2. Identity Theft Resolution Services Limitations

a. Identity Theft(s) discovered by Members prior to enrollment in the IDP program are not eligible for services nor for insurance.

b. GGA does not guarantee that its intervention on behalf of the Member duly enrolled in the IDP will result in a particular outcome or that its efforts on behalf of the Member will lead to a result satisfactory to the Member.

c. GGA services do not include, and GGA shall not assist the Member for, thefts involving non-US bank accounts.

d. Some creditors may require the Member to provide their authorization over the telephone before our Resolution Specialists can begin to work with the creditor directly in resolving an identity theft case.

e. GGA provides its Emergency Cash, Travel Arrangements, Translation and Lost Wallet Assistance services in all countries of the world. However, GGA may determine that services cannot be provided in certain countries or locales because of situations such as war, natural disaster, political instability or regulatory restrictions. GGA will attempt to assist a Member consistent with the limitations presented by the prevailing situation in the area.

f. Services cannot always be assured if conditions such as war, disaster or political instability render assistance Services difficult or impossible to provide. In such instances, Supplier reserves the right to suspend, curtail or limit its services in any area in the event of rebellion, riot, military uprising, war, terrorism, labor disturbance, strikes, nuclear accidents, acts of God or refusal of authorities to permit Supplier to fully provide Services or inclusion on an economic or trade sanction list (such as, but not limited to the U.S. Department of the Treasury’s Office of Foreign Assets Control List).

g. GGA shall not be responsible for failure to provide, or for delay in providing services when such failure or delay is caused by conditions beyond its control, including but not limited to labor disturbance and strike, rebellion, riot, civil commotion, war, terrorism, or uprising, nuclear accidents, natural disasters, acts of God, inclusion on an economic or trade sanction list or where rendering services is prohibited by local law or regulations.

3. ScamAssist® Research Service Limitations

A. In the ScamAssist Research Service, GGA Resolution Specialists research and attempt to determine whether the offer or solicitation a Member has received is an apparent scam, is from a malicious source, or is otherwise unsafe to engage with. Members should be aware that no system used to detect scammers, malware or dangerous items is entirely successful or foolproof. Accordingly, Members who use ScamAssist and any findings and/or safety assessment provided to Members in the content of the email do so entirely at the Members’ own risk.

B. GGA’s ScamAssist services are provided to Members on an "AS IS" and "AS AVAILABLE" basis. Without limiting the foregoing, GGA AND ITS AFFILIATES, AGENTS, PARTNERS AND SUBSIDIARIES DISCLAIM ANY WARRANTIES, EXPRESS OR IMPLIED, OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT IN CONNECTION WITH SCAMASSIST.

C. GGA may use or rely upon third-party websites or resources to perform ScamAssist®. By using ScamAssist, the Member acknowledges and agrees that GGA is not responsible or liable for: (i) the availability or accuracy or effectiveness of such websites or resources; or (ii) the content, products, or services on or available from such websites or resources. Usage by GGA of such resources, or links to such websites or resources that may be found on the GGA website, does not imply any endorsement by GGA of such websites or resources or the content, products, or services available from such websites or resources. By using ScamAssist, the Member acknowledges sole responsibility for and assumes all risk arising from Member’s reliance on GGA’s findings based on GGA’s use of any such websites or resources.

E. GOVERNING LAW AND JURISDICTION

These Terms shall be deemed to be made in the State of New York and shall in all respects be interpreted, construed and governed by and in accordance with its laws without application of conflicts of law provisions. For any disputes arising out of the Terms, the parties irrevocably submit to the jurisdiction of the local and federal courts of New York, which shall serve as the exclusive forum for the purposes of any suit, action or other proceeding, except for a suit by Iris seeking injunctive relief, which Iris may pursue in any appropriate forum. By enrolling in the IDP Program or by using any of the IDP Products, you as the Member hereby expressly and irrevocably agree that regardless of your place of legal residency or your physical location at the time the IDP Products are utilized, the IDP Program and the IDP Products are provided to Members subject exclusively to the privacy and ID protection laws, rules and regulations of the United States and the State of New York (the “Applicable Laws”). Other countries and jurisdictions may have privacy and ID protection laws (“Other Laws”) that provide greater or different protections than those provided by the Applicable Laws. To the extent you may lawfully do so, you as the Member hereby expressly and irrevocably waive the application of all Other Laws to these Terms and Conditions, the IDP Program and the IDP Products provided to you.

F. LIMIT OF LIABILITY

By enrolling in the IDP and/or by using any of the services, you, as Member agree that the total and exclusive liability of Iris and its employees, officers, directors, attorneys, agents, assigns and third-party contractors (the “Iris Parties”) to any Member for any claims, demands or damages relating to or arising out of IDP, the provision of services or any failure to provide services, shall be limited, in the aggregate, to fifty dollars (U.S. $50.00) (“Limit of Damages”). You, as Member agree to indemnify and hold the Iris Parties harmless for all damages, costs and expenses, including reasonable attorneys’ fees and costs, incurred by Iris in or relating to any legal proceeding brought by or on behalf of any Member for any claim, demand or damages in excess of the Limit of Damages. To the maximum extent permitted by law, notwithstanding any other provision of these Terms, in no event shall Iris be liable to you or any Member for any exemplary or punitive damages, any remote or consequential damages or any damages not arising directly and proximately from the provision of services, regardless or whether or not such damages were reasonably foreseeable by Iris at the time of the provision of services or the Member’s enrollment in the IDP.

UK Identity Theft Insurance Conditions

TERMS OF THE PERSONAL IDENTITY THEFT INSURANCE PROGRAMME

DEFINITIONS

When used in the Policy, these terms shall have the following meaning:

CUSTOMER: each of the individuals registered as clients with the Policyholder on the www.kaspersky.com website and any subdomain, meeting the eligibility requirements identified under section “Who is protected?”.

INSURED / YOU: each of the individuals registered meeting the eligibility requirements identified under section “Who is protected?”. For the financial indemnity guarantees (“Protect”): the customer and their children under 18 years old

INSURER / WE / US / OUR: EUROP ASSISTANCE, EUROP ASSISTANCE S.A. IRISH BRANCH, whose principal place of business is Ground Floor, Central Quay, Block B, Riverside IV, Sir John Rogerson’s Quay, Dublin 2, DO2 RR7, Ireland and registered with the Irish Companies Registration Office under number 907089

POLICY: this group policy, entered into by the Policyholder in the interest of the Customers.

POLICYHOLDER: KASPERSKY UK

GENERAL TERMS

1. Applicable law

This Policy is regulated by UK law.

2. Policy duration

The policy is valid for 1 year

3. Currency

All payments will be made GBP. You will find in Annex B the amounts payable in case of claim

4. Your personal data protection

For the Europ Assistance Group, the protection of Your personal data and Your privacy is a major concern. This is why the Insurer commits to ensure an appropriate level of protection for Your personal data in accordance with the European legislation on the protection of personal data and in particular Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of individuals with regard to the processing of personal data and on the free movement of such data ("GDPR").

You will find in Annex C a more detailed description of how We will collect, process and store Your personal data.

Who is protected?

5. Eligibility

You will receive the benefits provided by this Policy if:
(1) You have an active KASPERSKY account and resident in the UK, and
(2) Your account belongs to a category defined by KASPERSKY as eligible (Kaspersky Premium)

Only the Customer and their children under 18 years old, in whose name the Account is created is insured. Other family members, including spouse, husband and relatives of the policy holder are not protected.

If You close your KASPERSKY account or you are no longer resident in the UK, You will no longer be eligible to receive the benefits of this Policy.

What is covered?

6. Insurance coverages

A) Direct economic losses due to ID theft

In the event of an ID theft that results in a direct financial loss, the Insurer will reimburse up to £10,000 per claim per year for the loss suffered by the Insured: loss of salary in the event of taking unpaid leave for legal proceedings or criminal investigations, cost of rectifying records with banks or legal authorities, postal charges and telephone calls outside of the rate plan to report the ID theft event to legal authorities, financial institutions.

This amount will cover the losses suffered in excess or under any other chargeable amount.

In order to request reimbursement, the Insured will have to submit the corresponding report to the competent local authority at the place of the incident. The Insurer may also require the report to be submitted to the competent local police authority.

Conditions and limitations: The insurer will reimburse a maximum of 1 claim per year and a maximum of £10,000 per claim per year for the loss suffered by the insured.

The theft or robbery of cash or any other property is excluded

The covers will be activated only if the bank holding the Insured account or any other contractual partners do not reimburse the damage (e.g. other insurers, sellers or payment systems), or the damage is already insured under another insurance contract (e.g. liability, legal protection or household contents insurance)

You can request these services 30 days after policy purchase

The Minimum claims value is £50 per claim

B) LEGAL SUPPORT

In the event of Identity theft, the Insurer will provide legal support to the Insured in the settlement of his / her dispute.

The service includes information on rights and obligations, legal actions and procedures to take in relation to the events covered. If need be, the Insured will be referred to a law professional of the Europ Assistance network to engage the necessary actions.

Conditions and limitations:

The insurer will reimburse a maximum of 1 claim per year and a maximum of £2,000 per claim per year for the loss suffered by the insured.

The service is limited to local country legislation and provided by phone during business hours. Drafting of reports or opinion is excluded.

You can request these services 30 days after policy purchase.

C) PSYCHOLOGICAL SUPPORT

In the event of Identity theft having consequences on the Insured emotional state or mental health, the Insurer will provide psychological guidance and advice to help the Insured cope with the situation.

If need be, the Insured will be referred to a psychologist of Europ Assistance network to engage in an in-depth treatment.

The service is provided by telephone during business hours.

Conditions and limitations:

The Insurer will reimburse a maximum of 5 consultations per year and a maximum of £2,000 per year for the loss suffered by the insured.

The service is limited to local country legislation and provided by phone or video consultation during business hours.

You can request these services 30 days after the start date of your Kaspersky membership.

Where are the coverages valid?

7. Geographical coverage

Europ Assistance will provide the services described above within the United Kingdom. You will receive the services requested in Your country of residence.

When does the coverage start and finish?

8. Policy start and duration

The coverage starts at h. 00.01 on the Policy Activation Date, which is the day in which Kaspersky activates this Policy and lasts 365 days thereafter (the last of these days being the Kaspersky Membership Termination Date). Should You close your Kaspersky account, the coverage terminates at the end of the same day.

This Policy has a duration of 1 year.

What is not insured?

9. Exclusions for all coverages

International sanctions

This Policy does not cover and the Insurer will not make any payment to You if the payment or the provision of a service will expose the Insurer to sanctions, prohibitions or restrictions under United Nations resolutions or to trade sanctions, economic sanctions or regulations imposed by the European Union, United Kingdom, France or the USA. This clause overrides any contrary clause that may be contained in this Policy.

This Policy does not cover and the Insurer will not pay You in case of the following cases:

9.1 Intentional behaviour or gross negligence.

9.2 Related to a professional or commercial activity

9.3 Due to the use or wear and tear of hardware, outdated software and antivirus and incorrect programming;

9.4 Which occur because no commercial firewall was installed and/or updated on the device in question;

9.5 Due to failures, interruptions or disruptions of external infrastructures (e.g. electricity grid, internet, telecommunications networks);

9.6 By unlawfully used software and data;

9.7 By war, civil war, revolution, rebellion, insurrection, turmoil, internal unrest, hostile hand-making, general strike, illegal strike, seizures or high-handed injunction, damage as a result of pandemics;

9.8 Nuclear energy, nuclear radiation or radioactive substances;

9.9 By earthquake, storm, storm surge or other natural catastrophic phenomenon

9.10 By acts of terrorism; these are any kind of acts of persons or groups of persons in order to achieve political, religious, ethnic or ideological objectives which are capable of spreading fear and terror among the population or parts of the population and thereby influencing a government or state institutions.

10. Limitation of liability

The Insurer will not be responsible for damages:

• Caused by the intervention of Public Authorities

• Consequent to other fortuitous and unpredictable circumstances

What are your obligations?

11. Your obligations in case of claim

A) Direct economic losses due to ID theft

In case of an ID theft that results in a direct financial loss, You must submit a claim request within 7 days from the date on which the ID theft became known.

You can submit the claim by sending an email to the address idpkaspersky@europ-assistance.es

In the request of claim You must indicate Your:

• First and last name
• Date of birth
• Address
• Email
• Phone number
• Kaspersky client ID
• Day of ID theft event
• Passport or ID number

We might ask You to provide additional documents necessary to assess the claim. This can include a police report for the event, documents required for loss of salary in the event of taking unpaid leave for legal proceedings or criminal investigations, cost of rectifying records with banks or legal authorities, postal charges and telephone calls outside of the rate plan to report the ID theft event to legal authorities, financial institutions. You will have to submit these documents.

We will also ask You to provide a proof that Your bank holding or any other contractual partners or insurance contract do not reimburse the damage.

It is your obligation, under this insurance, to take reasonable steps to protect your secured devices and data, including protecting access through passwords, installing and regularly updating anti-malware software, as well as installing other security software updates that provided by the device manufacturers.

If You will not respect the obligations described above, You may lose all or part of Your contractual rights.

B) Legal Support

In the event of Identity theft, You can request legal support for the settlement of Your dispute.

To receive the services, You must contact the Insurer by sending an email to the address idpkaspersky@europ-assistance.es

You must indicate Your:

• First and last name
• Date of birth
• Address
• Email
• Phone number
• Kaspersky client ID
• Passport or ID number

We might ask You to provide additional documents necessary to assess the claim. You will have to submit these documents.

If You will not respect the obligations described above, You may lose all or part of Your contractual rights.

C) Psychological support

In the event of Identity theft, having consequences on Your emotional state or mental health, You can request psychological guidance and advice to help You cope with the situation.

To receive the services, You must contact the Insurer by sending an email to the address idpkaspersky@europ-assistance.es

You must indicate Your:

•  First and last name
•  Date of birth
•  Address
•  Email
•  Phone number
•  Kaspersky client ID
•  Day of ID theft event
•  Passport or ID number

We might ask You to provide additional documents necessary to assess the claim. You will have to submit these documents.

If You will not respect the obligations described above, You may lose all or part of Your contractual rights.

D) Assistance

In case You need assistance related to ID theft, You can contact the following phone number:

For UK: + 44 20 76 60 88 33

12. Acknowledgements

You acknowledge and agree that You cannot assign or transfer the benefits provided under this Policy to third parties, for instance in case of divorce.

13. Subrogation

After incurring costs, the Insurer shall take over all rights and claims that You may have against any third parties liable for claim.

Our right of recovery is limited to the total cost incurred by us in performance of this Group Insurance Policy.

You will reasonably cooperate with us for the exercise of Our subrogation rights.

14. Complaints

We strive to offer You the highest level of service. However, in case of dissatisfaction You must first send Your complaint by mail to the following address:

INTERNATIONAL COMPLAINTS

P. O. BOX 36009

28020 Madrid, Spain

Or by email  complaints@roleurop.com

We will acknowledge receipt of Your complaint within 10 days unless We can directly provide an answer. We commit to provide a final answer within 2 months.

If You are not happy with Our response to Your complaint or if We have not given You Our final decision within 8 weeks, you can then contact the competent ombudsman or competent Authority in Your country of residence, as listed in Annex A.

ANNEX A

AUTHORITIES COMPETENT FOR COMPLAINTS

If we have not resolved your complaint within 8 weeks or if you are unhappy with our decision, you may be able to refer your complaint to the Financial Ombudsman Service for an independent review. The service they provide is free and impartial. You can either

•  visit their website, financial-ombudsman.org.uk

•  call them on 0800 023 4567

•  submit a complaint online at financial-ombudsman.org.uk/contact-us/complain-online

• email them at complaint.info@financial-ombudsman.org.uk

• write to them at the Financial Ombudsman Service, Exchange Tower, London E14 9SR, United Kingdom

ANNEX B

AMOUNTS PAID IN LOCAL CURRENCIES

Countries Currency Currency code Benefits in local currency
Direct economic losses due to ID theft (limit) Legal support (limit) Psychological support (limit)
United Kingdom British Pound GBP 10,000 2,000 2,000

 

ANNEX C

DATA PROTECTION

Which legal entity will process Your personal data. The data controller is Europ Assistance S.A. Irish branch, whose primary place of business is located on the 4th Floor, 4-8 Eden Quay, Dublin 1, D01N5W8, Ireland, the branch being registered with the Irish Companies Registration Office under number 907089. Europ Assistance S.A. is a company regulated under the French Insurance Code whose registered head office is 1, Promenade de la Bonnette, 92230 Genevilliers, France, a société anonyme registered in the Nanterre Commercial and Companies Registry under number 450 366 405.

If You have any questions concerning the processing of Your personal data or if You want to exercise a right in respect to Your personal data, please contact the Data Protection Officer (DPO) at the following contact details:

Europ Assistance S.A. Irish branch,

Ground Floor, Central Quay,

Block B, Riverside IV,

Sir John Rogerson’s Quay, Dublin 2, DO2 RR7, Ireland

EAGlobalDPO@europ-assistance.com

How do we use Your personal data. Your personal data that we collect at the claim stage is processed to perform eligibility checks, and to manage Your claims and complaints. This processing is necessary for the performance of the contract.

We may also have to process Your personal data in order to prevent irregularities and fraud, to manage potential disputes and implement legal provisions, to organize satisfaction surveys directly with the person who has benefited from the assistance and insurance, and to develop commercial statistics and actuarial studies. These processing are necessary to fulfill our legitimate interests.

Finally, we may have to process Your personal data to comply with legal obligations as to implement the due diligence obligations in the context of the fight against money laundering and the financing of terrorism, asset freezing measures and financial sanctions, including the triggering of alert and statements of suspicion.

Which personal data we use. Only the personal data strictly necessary for the above-mentioned purposes will be processed. In particular, the Insurer will need to process Your sensitive personal data, that can include Your medical data. The Insurer will require Your express consent at the collection of the said sensitive data.

Should Your personal data be shared by a person that is not party to this contract, the Insurer invites You to give the appropriate directives to the person You appoint to ensure the protection of Your personal data.

Should You share the personal data of a data subject that is not a party to this contract, You must ensure that You have received the appropriate directives and consent to ensure the protection of such data subject personal data.

With whom We share Your Personal Data. The Insurer may share Your personal data with other Europ Assistance and/or Generali Group subsidiaries and external organizations such as our auditors, reinsurers, co-insurers, claims handlers, agents, distributors that from time to time will need to provide the service covered by this Policy and all other entities that carry out any technical, organizational and operational activity supporting the insurance. It may also share Your personal data with Kaspersky for reporting purposes.

The Insurer may use third party service providers to process, handle or assess the insurance claim and to provide the services described below on its behalf. The Insurer will need to share with them Your personal data in order to ensure the adequate provision of the services. These service providers are contractually bound to protect Your personal data and only use the personal data in accordance to the Insurer’s instructions. 

Where We transfer Your personal data. The Insurer may transfer Your personal data to countries, territories, or organisations that are located outside the European Economic Area (EEA) and are not recognised as ensuring an adequate level of protection by the European Commission. In such case, the transfer of Your personal data to non-EU entities will take place in compliance with appropriate and suitable safeguards in accordance with the applicable law. You have the right to obtain information on such transfer and, where relevant, a copy of the safeguards adopted for the transfer of Your personal data outside EEA by contacting the DPO.

Your rights in respect to Your personal data. You can exercise the following rights in respect to Your personal data:

- Access – You may request access to Your personal data;

- Rectify – You may ask the Insurer to correct Your personal data that is inaccurate or incomplete;

- Erase – You may ask the Insurer to erase Your personal data where one of the following grounds applies:

a. Where the personal data are no longer necessary in relation to the purposes for which they were collected or otherwise processed;

b. You withdraw consent on which the processing is based and where there is no other legal ground for the processing;

c. You object to automated decision-making and there are no overriding legitimate grounds for the processing, or You object to the processing for direct marketing;

d. The personal data have been unlawfully processed;

e. The personal data have to be erased for compliance with legal obligation in European Union or Member State law to which the Insurer is subject;

- Restrict – You may ask the Insurer to restrict how it processes Your personal data where one of the following applies:

a. You contest the accuracy of Your personal data, for a period enabling the Insurer to verify the accuracy of Your personal data;

b. The processing is unlawful and You oppose the erasure of the personal data and request the restriction of their use instead;

c. The Insurer no longer needs the personal data for the purposes of the processing, but they are required by You for the establishment, exercise or defense of legal claims;

c. You have objected to processing pursuant to the right to object and automated decision-making, pending the verification whether the legitimate grounds for the Insurer override those of You;

- Portability – You may ask the Insurer to transfer the personal data You have provided Us to another organisation or/and ask to receive Your personal data in a structured, commonly used and machine readable format.

 

Your rights, including the right to object, can be exercised by contacting the DPO of the Insurer under: EAGlobalDPO@europ-assistance.com .

The request of exercise of rights is free of charge, unless the request is manifestly unfounded or excessive.

How long We retain Your personal data. The Insurer will retain Your personal data for as long as necessary, or for as long as is required by law for the purposes set out above.

How You can lodge a complaint. You have the right to complain to a supervisory authority.

For these purposes, You can contact the competent supervisory authority of your country of residence or the Irish authority:

Office of the Commission Nationale de l’Informatique et des Libertés, 3 Place de Fontenoy TSA 80715, 75334 PARIS CEDEX 07 France, Tel: +33 (0)1.53.73.22.22, Fax: +33 (0)1.53.73.22.00.

 

UK Product information

Identity Theft Insurance

Insurance Product Information Document

Company: Europ Assistance S.A.                        Product: Kaspersky Identity Theft Insurance

Kaspersky Identity Theft Insurance is underwritten by EUROP ASSISTANCE S.A, a French stock corporation, with a share capital of 46,926,941 €, registered with the Nanterre Trade and Companies Register under No. 451 366 405, having its registered office at 2, rue Pillet-Will, 75309 Paris cedex 09 France, regulated by the French Insurance Code. This Collective Insurance acts through its division EUROP ASSISTANCE S.A., IRISH BRANCH, registered with the Irish Companies Registration Office under No. 907 089, having its registered office at Ground Floor, Central Quay, Block B, Riverside IV, SJRQ, Dublin 2, DO2 RR7, Ireland.

This document provides a summary of the covers, exclusions and restrictions. The full terms and conditions of this insurance can be found in the policy document.

What is this type of insurance?

This Insurance policy covers the direct financial loss you incurred in the event of an identity theft and provides you with legal support in the settlement of your dispute as a victim of an identity fraud as well as psychological guidance and support in the event of an ID theft having consequences on your emotional state or mental health.

 

What is insured?

Direct economic losses due to ID theft: reimbursement up to £10,000 per claim per year in the event of identity theft to cover for:

o    the loss of salary in the event of taking unpaid leave for legal for legal proceedings or criminal investigations,

o   the cost of rectifying records with banks or legal authorities,

o   postal charges and telephone calls outside of the rate plan to report the ID theft event to legal authorities or financial institutions.

Legal support:

1) dedicated access to a helpline for information on rights and obligations, legal actions and procedures to take in the event of an ID theft;

2) reimbursement of up to £2000 of a local law professional fees referred by the Insurer if needed following first assessment over the phone.

Psychological support:

1) dedicated access to a helpline for psychological guidance and advice to help the insured cope with the situation of an ID theft;

2) reimbursement of up to £2000 or 5 consultations with a local psychologist referred by the Insurer if needed following first assessment over the phone.

 

The liability of the Insurer is limited to the amount stated in the Schedule of Benefits.

 

What is not insured?

This Policy does not cover and the Insurer will not pay You in case of the following events:

o   Intentional behaviour or gross negligence;

o   Related to a professional or commercial activity;

o   Due to the use or wear and tear of hardware, outdated software and antivirus and incorrect programming;

o   Which occur because no commercial firewall was installed and/or updated on the device in question; 

o   Due to failures, interruptions or disruptions of external infrastructures (e.g. electricity grid, internet, telecommunications networks);

o   By unlawfully used software and data;

o   By war, civil war, revolution, rebellion, insurrection, turmoil, internal unrest, hostile hand-making, general strike, illegal strike, seizures or high-handed injunction, damage as a result of pandemics; 

o   By acts of terrorism: these are any kind of acts of persons or groups of persons in order to achieve political, religious, ethnic or ideological objectives which are capable of spreading fear and terror among the population or parts of the population and thereby influencing a government or state institutions;

o   if the payment or the provision of a service will expose the Insurer to sanctions, prohibitions or restrictions under United Nations resolutions or to trade sanctions, economic sanctions or regulations imposed by the United Nations, the European Union or the USA;

o   for damages caused by the intervention of Public Authorities or consequent to other fortuitous and unpredictable circumstances.

 

Where am I covered?

o   This Insurance policy covers the insured and its beneficiaries within the United Kingdom.

o    In case You need assistance related to ID theft, You can contact the following phone number: +44 20 76 60 88 33

 

What are my obligations?

o    In case of an ID theft that results in a direct financial loss, you must submit a claim request within 7 days from the date on which the ID theft became known. You can submit the claim by sending an email to the address idpkaspersky@europ-assistance.es

 

When and how do I pay?

The cost of this insurance is embedded within the price of Kaspersky Premium product.

 

When does the cover start and end?

You will receive the benefits provided by this Policy if:

(1) You have an active KASPERSKY account and resident in the UK, and

(2) Your account belongs to a category defined by KASPERSKY as eligible (Kaspersky Premium)

Only the Member and their children under 18 years old, in whose name the Account is created is insured. Other family members, including spouse, husband and relatives of the policy holder are not protected.

If you close your KASPERSKY account or you are no longer resident in the UK, you will no longer be eligible to receive the benefits of this Policy.

 

Ireland Identity Theft Insurance Conditions

TERMS OF THE PERSONAL IDENTITY THEFT INSURANCE PROGRAMME

DEFINITIONS

When used in the Policy, these terms shall have the following meaning:

CUSTOMER: each of the individuals registered as clients with the Policyholder on the www.kaspersky.com  website and any subdomain, meeting the eligibility requirements identified under section “Who is protected?”.

INSURED / YOU: each of the individuals registered meeting the eligibility requirements identified under section “Who is protected?”. For the financial indemnity guarantees (“Protect”): the customer and their children under 18 years old

INSURER / WE / US / OUR: EUROP ASSISTANCE, EUROP ASSISTANCE S.A. IRISH BRANCH, whose principal place of business is Ground Floor, Central Quay, Block B, Riverside IV, Sir John Rogerson’s Quay, Dublin 2, DO2 RR7, Ireland and registered with the Irish Companies Registration Office under number 907089

POLICY: this group policy, entered into by the Policyholder in the interest of the Customers.

POLICYHOLDER: KASPERSKY FRANCE EURL

 

GENERAL TERMS

1.Applicable law

This Policy is regulated by French law.

2. Policy duration

The policy is valid for 1 year

3. Currency

All payments will be made EURO. You will find in Annex B the amounts payable in case of claim

4. Your personal data protection

For the Europ Assistance Group, the protection of Your personal data and Your privacy is a major concern. This is why the Insurer commits to ensure an appropriate level of protection for Your personal data in accordance with the European legislation on the protection of personal data and in particular Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of individuals with regard to the processing of personal data and on the free movement of such data ("GDPR").

You will find in Annex C a more detailed description of how We will collect, process and store Your personal data.

 

WHO IS PROTECTED?

5. Eligibility

You will receive the benefits provided by this Policy if:

(1) You have an active KASPERSKY account and resident in the Ireland, and

(2) Your account belongs to a category defined by KASPERSKY as eligible (Kaspersky Premium)

Only the Customer and their children under 18 years old, in whose name the Account is created is insured. Other family members, including spouse, husband and relatives of the policy holder are not protected.

If You close your KASPERSKY account or you are no longer resident in Ireland, You will no longer be eligible to receive the benefits of this Policy.

 

What is covered?

6. Insurance coverages

A) Direct economic losses due to ID theft

In the event of an ID theft that results in a direct financial loss, the Insurer will reimburse up to €10,000 per claim per year for the loss suffered by the Insured: loss of salary in the event of taking unpaid leave for legal proceedings or criminal investigations, cost of rectifying records with banks or legal authorities, postal charges and telephone calls outside of the rate plan to report the ID theft event to legal authorities, financial institutions.

This amount will cover the losses suffered in excess or under any other chargeable amount.

In order to request reimbursement, the Insured will have to submit the corresponding report to the competent local authority at the place of the incident. The Insurer may also require the report to be submitted to the competent local police authority.

Conditions and limitations: The insurer will reimburse a maximum of 1 claim per year and a maximum of €10,000 per claim per year for the loss suffered by the insured.

The theft or robbery of cash or any other property is excluded.

The covers will be activated only if the bank holding the Insured account or any other contractual partners do not reimburse the damage (e.g. other insurers, sellers or payment systems), or the damage is already insured under another insurance contract (e.g. liability, legal protection or household contents insurance)

You can request these services 30 days after policy purchase

The Minimum claims value is €50 per claim

B) LEGAL SUPPORT

In the event of Identity theft, the Insurer will provide legal support to the Insured in the settlement of his / her dispute.

The service includes information on rights and obligations, legal actions and procedures to take in relation to the events covered. If need be, the Insured will be referred to a law professional of the Europ Assistance network to engage the necessary actions.

Conditions and limitations:

The insurer will reimburse a maximum of 1 claim per year and a maximum of €2,000 per claim per year for the loss suffered by the insured.

The service is limited to local country legislation and provided by phone during business hours. Drafting of reports or opinion is excluded.

You can request these services 30 days after policy purchase.

C) PSYCHOLOGICAL SUPPORT

In the event of Identity theft having consequences on the Insured emotional state or mental health, the Insurer will provide psychological guidance and advice to help the Insured cope with the situation.

If need be, the Insured will be referred to a psychologist of Europ Assistance network to engage in an in-depth treatment.

The service is provided by telephone during business hours.

Conditions and limitations:

The Insurer will reimburse a maximum of 5 consultations per year and a maximum of €2,000 per year for the loss suffered by the insured.

The service is limited to local country legislation and provided by phone or video consultation during business hours.

You can request these services 30 days after the start date of your Kaspersky membership.

 

Where are the coverages valid?

7. Geographical coverage

Europ Assistance will provide the services described above within Ireland. You will receive the services requested in Your country of residence.

 

When does the coverage start and finish?

8. Policy start and duration

The coverage starts at h. 00.01 on the Policy Activation Date, which is the day in which Kaspersky activates this Policy and lasts 365 days thereafter (the last of these days being the Kaspersky Membership Termination Date). Should You close your Kaspersky account, the coverage terminates at the end of the same day.

This Policy has a duration of 1 year.

 

What is not insured?

9. Exclusions for all coverages

International sanctions

This Policy does not cover and the Insurer will not make any payment to You if the payment or the provision of a service will expose the Insurer to sanctions, prohibitions or restrictions under United Nations resolutions or to trade sanctions, economic sanctions or regulations imposed by the European Union, United Kingdom, France or the USA. This clause overrides any contrary clause that may be contained in this Policy.

This Policy does not cover and the Insurer will not pay You in case of the following cases:

9.1 Intentional behaviour or gross negligence.

9.2 Related to a professional or commercial activity

9.3 Due to the use or wear and tear of hardware, outdated software and antivirus and incorrect programming;

9.4 Which occur because no commercial firewall was installed and/or updated on the device in question; 

9.5 Due to failures, interruptions or disruptions of external infrastructures (e.g. electricity grid, internet, telecommunications networks);

9.6 By unlawfully used software and data;

9.7 By war, civil war, revolution, rebellion, insurrection, turmoil, internal unrest, hostile hand-making, general strike, illegal strike, seizures or high-handed injunction, damage as a result of pandemics; 

9.8 Nuclear energy, nuclear radiation or radioactive substances;

9.9 By earthquake, storm, storm surge or other natural catastrophic phenomenon

9.10 By acts of terrorism; these are any kind of acts of persons or groups of persons in order to achieve political, religious, ethnic or ideological objectives which are capable of spreading fear and terror among the population or parts of the population and thereby influencing a government or state institutions.

10. Limitation of liability

The Insurer will not be responsible for damages:

•         Caused by the intervention of Public Authorities

•         Consequent to other fortuitous and unpredictable circumstances

 

What are your obligations?

11. Your obligations in case of claim

A) Direct economic losses due to ID theft

In case of an ID theft that results in a direct financial loss, You must submit a claim request within 7 days from the date on which the ID theft became known.

You can submit the claim by sending an email to the address idpkaspersky@europ-assistance.es

In the request of claim You must indicate Your:

•    First and last name
•    Date of birth
•   Address
•    Email
•    Phone number
•    Kaspersky client ID
•    Day of ID theft event
•   Passport or ID number

We might ask You to provide additional documents necessary to assess the claim. This can include a police report for the event, documents required for loss of salary in the event of taking unpaid leave for legal proceedings or criminal investigations, cost of rectifying records with banks or legal authorities, postal charges and telephone calls outside of the rate plan to report the ID theft event to legal authorities, financial institutions. You will have to submit these documents.

We will also ask You to provide a proof that Your bank holding or any other contractual partners or insurance contract do not reimburse the damage.

It is your obligation, under this insurance, to take reasonable steps to protect your secured devices and data, including protecting access through passwords, installing and regularly updating anti-malware software, as well as installing other security software updates that provided by the device manufacturers.

If You will not respect the obligations described above, You may lose all or part of Your contractual rights.

B) Legal Support

In the event of Identity theft, You can request legal support for the settlement of Your dispute.

To receive the services, You must contact the Insurer by sending an email to the address idpkaspersky@europ-assistance.es

You must indicate Your:

•   First and last name
•   Date of birth
•   Address
•   Email
•   Phone number
•   Kaspersky client ID
•   Day of ID theft event
•   Passport or ID number

We might ask You to provide additional documents necessary to assess the claim. You will have to submit these documents.

If You will not respect the obligations described above, You may lose all or part of Your contractual rights.

C) Psychological support

In the event of Identity theft, having consequences on Your emotional state or mental health, You can request psychological guidance and advice to help You cope with the situation.

To receive the services, You must contact the Insurer by sending an email to the address idpkaspersky@europ-assistance.es

You must indicate Your:

• First and last name
• Date of birth
• Address
• Email
• Phone number
• Kaspersky client ID
• Day of ID theft event
• Passport or ID number

We might ask You to provide additional documents necessary to assess the claim. You will have to submit these documents.

If You will not respect the obligations described above, You may lose all or part of Your contractual rights.

D) Assistance

In case You need assistance related to ID theft, You can contact the following phone number:

For Ireland: + 35 315339921

12. Acknowledgements

You acknowledge and agree that You cannot assign or transfer the benefits provided under this Policy to third parties, for instance in case of divorce.

13. Subrogation

After incurring costs, the Insurer shall take over all rights and claims that You may have against any third parties liable for claim.

Our right of recovery is limited to the total cost incurred by us in performance of this Group Insurance Policy.

You will reasonably cooperate with us for the exercise of Our subrogation rights.

14. Complaints

We strive to offer You the highest level of service. However, in case of dissatisfaction You must first send Your complaint by mail to the following address:

INTERNATIONAL COMPLAINTS

P. O. BOX 36009

28020 Madrid, Spain

Or by email  complaints@roleurop.com

We will acknowledge receipt of Your complaint within 10 days unless We can directly provide an answer. We commit to provide final answer within the applicable legal guidelines in your country of residence.

If You are not happy with Our response to Your complaint or if We have not given You Our final decision within 8 weeks, you can then contact the competent ombudsman or competent Authority in Your country of residence, as listed in Annex A.

ANNEX A

AUTHORITIES COMPETENT FOR COMPLAINTS

If we have not resolved your complaint within 8 weeks or if you are unhappy with our decision, you may be able to refer your complaint to the Financial Ombudsman Service for an independent review. The service they provide is free and impartial. You can either

• visit their website, http://www.fspo.ie/

•   call them on +353 1 567 7000

•   submit a complaint online at financial-ombudsman.org.uk/contact-us/complain-online

•   email them at   info@fspo.ie

•   write to them at the Financial Services and Pensions Ombudsman 3rd Floor, Lincoln House, Lincoln Place Dublin 2 D02 VH29, Ireland

 

ANNEX B

AMOUNTS PAID IN LOCAL CURRENCIES

Countries Currency Currency code Benefits in local currency
Direct economic losses due to ID theft (limit) Legal support (limit) Psychological support (limit)
Ireland Euro EUR 10,000 2,000 2,000

 

ANNEX C

DATA PROTECTION

Which legal entity will process Your personal data. The data controller is Europ Assistance S.A. Irish branch, whose primary place of business is located on the 4th Floor, 4-8 Eden Quay, Dublin 1, D01N5W8, Ireland, the branch being registered with the Irish Companies Registration Office under number 907089. Europ Assistance S.A. is a company regulated under the French Insurance Code whose registered head office is 1, Promenade de la Bonnette, 92230 Genevilliers, France, a société anonyme registered in the Nanterre Commercial and Companies Registry under number 450 366 405.

If You have any questions concerning the processing of Your personal data or if You want to exercise a right in respect to Your personal data, please contact the Data Protection Officer (DPO) at the following contact details:

Europ Assistance S.A. Irish branch,

Ground Floor, Central Quay,

Block B, Riverside IV,

Sir John Rogerson’s Quay, Dublin 2, DO2 RR7, Ireland

EAGlobalDPO@europ-assistance.com

How do we use Your personal data. Your personal data that we collect at the claim stage is processed to perform eligibility checks, and to manage Your claims and complaints. This processing is necessary for the performance of the contract.

We may also have to process Your personal data in order to prevent irregularities and fraud, to manage potential disputes and implement legal provisions, to organize satisfaction surveys directly with the person who has benefited from the assistance and insurance, and to develop commercial statistics and actuarial studies. These processing are necessary to fulfill our legitimate interests.

Finally, we may have to process Your personal data to comply with legal obligations as to implement the due diligence obligations in the context of the fight against money laundering and the financing of terrorism, asset freezing measures and financial sanctions, including the triggering of alert and statements of suspicion.

Which personal data we use. Only the personal data strictly necessary for the above-mentioned purposes will be processed. In particular, the Insurer will need to process Your sensitive personal data, that can include Your medical data. The Insurer will require Your express consent at the collection of the said sensitive data.

Should Your personal data be shared by a person that is not party to this contract, the Insurer invites You to give the appropriate directives to the person You appoint to ensure the protection of Your personal data.

Should You share the personal data of a data subject that is not a party to this contract, You must ensure that You have received the appropriate directives and consent to ensure the protection of such data subject personal data.

With whom We share Your Personal Data. The Insurer may share Your personal data with other Europ Assistance and/or Generali Group subsidiaries and external organizations such as our auditors, reinsurers, co-insurers, claims handlers, agents, distributors that from time to time will need to provide the service covered by this Policy and all other entities that carry out any technical, organizational and operational activity supporting the insurance. It may also share Your personal data with Kaspersky for reporting purposes.

The Insurer may use third party service providers to process, handle or assess the insurance claim and to provide the services described below on its behalf. The Insurer will need to share with them Your personal data in order to ensure the adequate provision of the services. These service providers are contractually bound to protect Your personal data and only use the personal data in accordance to the Insurer’s instructions. 

Where We transfer Your personal data. The Insurer may transfer Your personal data to countries, territories, or organisations that are located outside the European Economic Area (EEA) and are not recognised as ensuring an adequate level of protection by the European Commission. In such case, the transfer of Your personal data to non-EU entities will take place in compliance with appropriate and suitable safeguards in accordance with the applicable law. You have the right to obtain information on such transfer and, where relevant, a copy of the safeguards adopted for the transfer of Your personal data outside EEA by contacting the DPO.

Your rights in respect to Your personal data. You can exercise the following rights in respect to Your personal data:

- Access – You may request access to Your personal data;

- Rectify – You may ask the Insurer to correct Your personal data that is inaccurate or incomplete;

- Erase – You may ask the Insurer to erase Your personal data where one of the following grounds applies:

a. Where the personal data are no longer necessary in relation to the purposes for which they were collected or otherwise processed;

b. You withdraw consent on which the processing is based and where there is no other legal ground for the processing;

c. You object to automated decision-making and there are no overriding legitimate grounds for the processing, or You object to the processing for direct marketing;

d. The personal data have been unlawfully processed;

e. The personal data have to be erased for compliance with legal obligation in European Union or Member State law to which the Insurer is subject;

- Restrict – You may ask the Insurer to restrict how it processes Your personal data where one of the following applies:

a. You contest the accuracy of Your personal data, for a period enabling the Insurer to verify the accuracy of Your personal data;

b. The processing is unlawful and You oppose the erasure of the personal data and request the restriction of their use instead;

c. The Insurer no longer needs the personal data for the purposes of the processing, but they are required by You for the establishment, exercise or defense of legal claims;

c. You have objected to processing pursuant to the right to object and automated decision-making, pending the verification whether the legitimate grounds for the Insurer override those of You;

- Portability – You may ask the Insurer to transfer the personal data You have provided Us to another organisation or/and ask to receive Your personal data in a structured, commonly used and machine readable format.

 

Your rights, including the right to object, can be exercised by contacting the DPO of the Insurer under: EAGlobalDPO@europ-assistance.com .

The request of exercise of rights is free of charge, unless the request is manifestly unfounded or excessive.

How long We retain Your personal data. The Insurer will retain Your personal data for as long as necessary, or for as long as is required by law for the purposes set out above.

How You can lodge a complaint. You have the right to complain to a supervisory authority.

For these purposes, You can contact the competent supervisory authority of your country of residence or the Irish authority:

Office of the Commission Nationale de l’Informatique et des Libertés, 3 Place de Fontenoy TSA 80715, 75334 PARIS CEDEX 07 France, Tel: +33 (0)1.53.73.22.22, Fax: +33 (0)1.53.73.22.00.

 

Ireland Product information

Identity Theft Insurance

Insurance Product Information Document

Company: Europ Assistance S.A.                        Product: Kaspersky Identity Theft Insurance

Kaspersky Identity Theft Insurance is underwritten by EUROP ASSISTANCE S.A, a French stock corporation, with a share capital of 46,926,941 €, registered with the Nanterre Trade and Companies Register under No. 451 366 405, having its registered office at 2, rue Pillet-Will, 75309 Paris cedex 09 France, regulated by the French Insurance Code. This Collective Insurance acts through its division EUROP ASSISTANCE S.A., IRISH BRANCH, registered with the Irish Companies Registration Office under No. 907 089, having its registered office at Ground Floor, Central Quay, Block B, Riverside IV, SJRQ, Dublin 2, DO2 RR7, Ireland.

This document provides a summary of the covers, exclusions and restrictions. The full terms and conditions of this insurance can be found in the policy document.

What is this type of insurance?

This Insurance policy covers the direct financial loss you incurred in the event of an identity theft and provides you with legal support in the settlement of your dispute as a victim of an identity fraud as well as psychological guidance and support in the event of an ID theft having consequences on your emotional state or mental health.

What is insured?

Direct economic losses due to ID theft: reimbursement up to €10,000 per claim per year in the event of identity theft to cover for:

o    the loss of salary in the event of taking unpaid leave for legal for legal proceedings or criminal investigations,

o   the cost of rectifying records with banks or legal authorities,

o   postal charges and telephone calls outside of the rate plan to report the ID theft event to legal authorities or financial institutions.

 

Legal support:

1) dedicated access to a helpline for information on rights and obligations, legal actions and procedures to take in the event of an ID theft;

2) reimbursement of up to €2000 of a local law professional fees referred by the Insurer if needed following first assessment over the phone.

 

Psychological support:

1) dedicated access to a helpline for psychological guidance and advice to help the insured cope with the situation of an ID theft;

2) reimbursement of up to €2000 or 5 consultations with a local psychologist referred by the Insurer if needed following first assessment over the phone.

 

The liability of the Insurer is limited to the amount stated in the Schedule of Benefits.

 

What is not insured?

This Policy does not cover and the Insurer will not pay You in case of the following events:

o  Intentional behaviour or gross negligence;

o  Related to a professional or commercial activity;

o;  Due to the use or wear and tear of hardware, outdated software and antivirus and incorrect programming;

o  Which occur because no commercial firewall was installed and/or updated on the device in question; 

o  Due to failures, interruptions or disruptions of external infrastructures (e.g. electricity grid, internet, telecommunications networks);

o  By unlawfully used software and data;

o  By war, civil war, revolution, rebellion, insurrection, turmoil, internal unrest, hostile hand-making, general strike, illegal strike, seizures or high-handed injunction, damage as a result of pandemics; 

o  By acts of terrorism: these are any kind of acts of persons or groups of persons in order to achieve political, religious, ethnic or ideological objectives which are capable of spreading fear and terror among the population or parts of the population and thereby influencing a government or state institutions;

o  if the payment or the provision of a service will expose the Insurer to sanctions, prohibitions or restrictions under United Nations resolutions or to trade sanctions, economic sanctions or regulations imposed by the United Nations, the European Union or the USA;

o  for damages caused by the intervention of Public Authorities or consequent to other fortuitous and unpredictable circumstances.

 

Where am I covered?

o  This Insurance policy covers the insured and its beneficiaries within Ireland.

o  In case You need assistance related to ID theft, You can contact the following phone number: + 35 315339921

 

What are my obligations?

In case of an ID theft that results in a direct financial loss, you must submit a claim request within 7 days from the date on which the ID theft became known. You can submit the claim by sending an email to the address idpkaspersky@europ-assistance.es

 

When and how do I pay?

The cost of this insurance is embedded within the price of Kaspersky Premium product.

 

When does the cover start and end?

You will receive the benefits provided by this Policy if:

(1) You have an active KASPERSKY account and resident in Ireland, and

(2) Your account belongs to a category defined by KASPERSKY as eligible (Kaspersky Premium)

Only the Member and their children under 18 years old, in whose name the Account is created is insured. Other family members, including spouse, husband and relatives of the policy holder are not protected.

If you close your KASPERSKY account or you are no longer resident in Ireland, you will no longer be eligible to receive the benefits of this Policy.