Our privacy policy and how we treat personal information in the Storebrand Group.
We depend on the trust of our customers. That is why we are serious about protecting your privacy. All of your personal information is safe with us, including any information that can be linked directly to you as a person, such as your national ID number, contact information and information about which products you have with us.
Storebrand handles personal information primarily in association with customer management, billing and invoicing, and implementation of the contracts and agreements we have with our customers.
In addition, personal information is used for the following purposes:
In most cases, Storebrand obtains this information directly from you. We may occasionally retrieve information from other sources, which may include both public and private entities.
We inform you whenever we collect information about you, except in cases where the collection of information is required by law, if it is impossible or unreasonably difficult to give due notice, or if we know that you are already aware that we collect this information.
Recording phone calls and storing other customer communication
When Storebrand offers investment services, we are required by law to make audio recordings of all phone calls, and to document all other customer communication such as via e-mail and chat.
Other phone calls may be recorded if you consent to it.
Recording phone calls and storing other customer communication
Customer Surveys
We conduct short surveys with our customers after they have been in contact with Storebrand. The feedback we receive from these surveys provides us with valuable input about how we can improve our products and services. It also allows us to measure the effect of our improvement efforts, as well as to understand how customer satisfaction affects customer behavior over time.
If you do not want to share this type of information with us you can simply refrain from responding to the survey.
Internally within the Storebrand Group
The Storebrand Group has an internal consolidated customer database that is available to all the companies in the Group. The purpose of having one consolidated customer database is to enable us to provide our customers with the best possible service, as well as information and promotions related to our products and services. The customer database contains the following information about you:
We need your explicit consent to include or disclose any other personal information in the consolidated customer database across the different entities in the Group.
For us to provide you with the best possible service, as well as information and promotions related to our products and services, you can consent to the Storebrand Group using your customer data. You can do this by logging in to your personal pages.
The insurance companies' Central Registry
All companies that sell life insurance or other personal insurance are required to send certain personal information to the insurance companies’ central registry, ROFF (Register over forsikringssøkere og forsikrede). The registry is managed by Finans Norge/Finance Norway, the industry organization for the financial industry in Norway. This registry does not include sensitive personal information.
In order to prevent and limit insurance fraud in connection with accident reports and claims, insurance companies also have a central claims registry, FOSS (Forsikringsselskapenes sentrale skaderegister).
We will inform you when information about you is registered in ROFF or FOSS.
In cases of suspected money laundering and terrorist financing
Storebrand is required to process personal data in order to prevent, detect, solve and manage cases of fraud and other criminal offences. This information is obtained from and disclosed to other banks and financial institutions, the police and other public authorities. Storebrand is required to report suspicious information and transactions to ØKOKRIM (the Norwegian National Authority for Investigation and Prosecution of Economic and Environmental Crime).
Data Owner
The Data Owner is the entity that determines for which purpose personal data may be used. In the Storebrand Group, the Data Owner is the CEO of the company you have your contract(s) with.
Data processing
Storebrand has entered into data processing agreements with subcontractors. Our proprietary data processing agreements regulate all the personal information that is shared with our subcontractors. Our subcontractors cannot use the information for purposes other than those they are obtained for.
Transparency
You have the right to receive information about what personal information we use and how we use it. You can view most of the information we have on you as a customer on your personal pages.
Corrections
It is important that the information we have about you is correct, and that the data is necessary in order to implement the agreements we have made with you and provide you with high quality service. You can request that we correct and delete information about you if it is inadequate or unnecessary.
Deletion
Storebrand deletes personal information when it is no longer required to fulfil the purpose it was obtained for. This means that as long as you have an agreement with us, we will store necessary information about you. When the agreement is terminated, we will store the relevant information until the limitation period for the products in question has expired.
Purpose
Cookies are small files that store information about the way you use a web page. This information is stored in the browser you are using; that is, locally on your computer or device.
Storebrand uses cookies on our website to:
learn from your behaviour, so we can improve the site’s functionality, user experience and content
customize the content we display to make it more relevant to you
provide you with relevant and personalized advertising on other websites you visit
You may see ads for us on other websites based on content and pages you have visited on our website. The cookies used for this purpose only contain information about the pages you have visited on our website, and no information that could identify you as a customer.
The information we collect in connection with the use of our website can in some cases be combined with information from your
other customer relationships.
If you use our website without turning off the cookie functionality in your browser, you automatically consent to Storebrand’s
use of cookies. Unfortunately, it is not technically possible to log in to our webpage if you do not allow us to place cookies
in your browser.
How to block cookies
If you do not want to allow storage of cookies on your computer, you must disable this function in your browser. Please note that this will cause you to lose functionality on Storebrand.no and other websites.
You can delete cookies by following the instructions for deleting cookies from your browser. Here are some examples:
If you wish to allow cookies, but also want more information about which data we actually collect, you can use add-ons to your browser that enable you to do so in a relatively simple manner. A widely used alternative can be found at www.ghostery.com
Use of analytics tools
We collect the following information about you on storebrand.no:
The information we collect about the way you use our websites is used for the following purposes:
We use Google Analytics for traffic analyses at storebrand.no and affiliated sites. You can opt out from Google Analytics
In addition, we use Cxense to personalize the information you see on our website based on which of our pages you visit and what we believe is the best content for you. You can opt out of this kind of targeted promotion
We may contact you
If you navigate away from a price calculation page by any other means than pressing the "Cancel" button, we may contact you to give you an offer based on the data you entered.
We will not contact you in this way if you are not already a customer with Storebrand and you have opted out of this kind of marketing in the Central Marketing Exclusion Register (Reservasjonsregisteret) in Brønnøysund. Similarly, we will not contact you if you have opted out of marketing communication from Storebrand.
Storebrand occasionally uses personal profiling to provide you with the best offers for you. Personal profiling means we compile information you have provided us with, such as your name, address, other information you have provided, which services and products you use, as well as traffic information from our web pages. We will always let you know when personal profiling has been used in promoting products and services to you.
Storebrand's Data Protection Officer (Personvernombud) has several responsibilities – including helping you as a customer. If you have questions about how we treat your personal information, you can always contact our Data Protection Officer at personvernombud@storebrand.no
You can read more about the guidelines for handling personal information at the Norwegian Data Protection Authority website (Datatilsynet).
You can give and revoke your consent by logging into your personal pages at Storebrand.no and navigating to "My Profile" in the drop-down menu.
Opt out of registration of online behaviour
The Central Marketing Exclusion Register (Reservasjonsregisteret i Brønnøysund)