Privacy Policy

We, PT Asuransi MSIG Indonesia (hereinafter referredto as “MSIG Indonesia”) understand the importance of protecting Personal Data as mandated in Law No. 27 of 2022 concerning Personal Data Protection (hereinafter referred to as the “PDP Law”) along with its implementing regulations and all changes that exist from time to time. We respect Your privacy as a Personal Data Subject and ensure to protect Your Personal Data in accordance with the provisions of the PDP Law and applicable regulations in Indonesia. MSIG Indonesia as the Personal Data Controller, can carry out processing activities for your Personal Data which include collecting, processing, storing, correcting and updating, announcing, transferring, disseminating, disclosing, and/or destroying according to the procedures stipulated in the PDP Law. We need Your consent to process Your personal data. Therefore, please read the following MSIG Indonesia Personal Data Privacy Policy carefully before giving Your consent.

1. Personal Data to be Collected:

MSIG Indonesia only collects Your Personal Data in connection with Your application for Our products or services, which you currently have, or have had in the past. MSIG Indonesia may also collect information about you when you interact with MSIG Indonesia through MSIG Indonesia's website or other communication channels or when you visit one of MSIG Indonesia's offices.

In the context of MSIG Indonesia's Personal Data Policy, the Personal Data that we will collect are:

  1. General personal details (e.g., Your full name, previous names, gender, religion, marital status, date and place of birth, home address, email address and telephone number).
  2. Specific personal details (e.g., health data and information, children's data, biometric data, genetic data, personal financial data, criminal records, and/or other data in accordance with applicable regulations)
  3. Information about Your identity (e.g., photo identification, passport information, Insurance number, national identification card, and citizenship).
  4. Information from market research (e.g.,information and opinions provided when participating in market research).
  5. Login details, browsing history or other unique information (e.g., login credentials, information from cookies on MSIG Indonesia's website, Your location, device type and other information transmitted through MSIG Indonesia's website).
  6. Use of Cookies: Cookies and similar technologies used by MSIG Indonesia to recognize you, remember Your preferences, and customize the content that MSIG Indonesia provides to you.
  7. Other PersonalInformation and otherinformation that you provide or share with MSIG Indonesia by filling out forms or by communicating with MSIG Indonesia, either directly, or by telephone, electronic mail (e-mail), and/or in other ways if it does not conflict with applicable laws and regulations.

 

2. Purpose of Data Processing:

Your data will be processed for the following purposes:

  1. Identification and authentication: To uniquely recognize and identify the user or You.
  2. Communication: To contact You regarding services, products, promotions, notifications, customer service (claims and complaints), and/or other important information.
  3. Management of Services: Use of data to serve Your needs, such as accountcreation or insurancepolicy management.
  4. Claims-related services: Data is used for specific purposes, such as insurance claim management, medical examinations, or risk assessments.
  5. Identity verification: Biometric data (such as fingerprints or faces) is used for security authentication and identity verification in account management ortransactions.
  6. Personal financial management: Personal financial data is used for premium payment management, insurance claims, or financial risk analysis.
  7. Compliance with legal regulations: Your data will be stored and required to comply with legal regulations related to personal identity and administrative obligations, consumer protection, including compliance with all applicable laws and regulations, including but not limited to corporate actions of MSIG Indonesia and the MSIG group in general in the form of mergers, separations, acquisitions, amalgamations, restructuring and/or other activities involving the transferof intellectual property rights, as involving Personal Data Processing
  8. Security and fraud prevention: To prevent fraud and ensure that You are the authorized person in every transaction and/or service provided.
  9. Product and service development: Used to understand Your preferences, conductmarket trend analysis, and improve service quality.
  10. Marketing strategy: This data also helps in designing more targeted marketing campaigns based on Your feedback.
  11. User’s experience analysis: Browsing history and device information are used to analyze how You interact with the application or website and improve user experience.
  12. Preference management: Information fromcookies helps in providing content tailored to Your preferences.
  13. Customer service processing: This information is used to understand Your needs, answer questions, and provide necessary support.
  14. Contract management or additional services: If information relates to specific needs or additional services, this data will be used to customize the services provided to You.
  15. Contract management or additional services: If information relates to specific needs or additional services, this data will be used to customize the services provided to You.
  16. Data Retention: Your Personal Data will be retained for as long as necessary to fulfill the purpose for which it was collected or in accordance with applicable laws.
  17. Automated Decision Making: MSIG Indonesia, if necessary, may process Personal Data that is based on automated decision making. However, as a Personal Data Subject, You may object to decision- making actions that are based solely on such automated processes.
  18. Marketing Purposes: If You have given explicit consent for the use of Your Personal Information for marketing purposes, MSIG Indonesia will use Your Personal Data for marketing and promotional purposes.

 

3. Your Rights:

You have the following rights in relation to Your Personal Data:

  1. Withdraw Your  Consent: You  may withdraw Yourconsent to the processing of Your Personal Data at any time by contacting MSIG Indonesia at this link: https://www.msig.co.id/help-support
  2. Access and Correction: You have the right to request access to Your Personal Data or to have it corrected if it is inaccurate.
  3. Erase Data: You have the right to request the erasure of Your personal data under certain conditions.

 

4. Sharing Data with Third Parties:

MSIG Indonesia may disclose or share Your PersonalData with the following parties to carry out the Data Processing Purposes as necessary:

  1. Banks
  2. Insurance Brokers:
  3. Financing Companies:
  4. Reinsurers:
  5. Claim Service Providers:
  6. Web Services or Digital Technologies:
  7. Government Authorities or Regulators:
  8. MSIG Group and MS&AD Group.
  9. Insurance CompanyAssociations
  10. Business Partners or Other RelatedThird Parties:

During data sharing, We will maintain compliance with the principles of privacy and security in accordance with applicable provisions, such as the Personal Data Protection Act (UU PDP). The data sharedis only used for relevant and legitimate purposes, with strict protection measures to prevent misuse.

5. Data Storage:

Your personal data will be stored in the MSIG Indonesia database for as long as necessary to fulfill the purpose of collection in accordance with applicable laws.

6. Data Deletion / Destruction

MSIG Indonesia will take the necessary steps to delete and destroy Your Personal Data after the purpose of data processing is completed and Your data is no longer needed, in accordance with the provisions and laws in force in Indonesia. However, in the interests of national security, the process of resolving legal disputes in the Court, compliance with regulations in the financial services sector, payment systems, and in the interests of the state, Your Personal Data will remain stored in the MSIG Indonesia database.

7. Applicable Law

This Data Privacy Policy is subject to the Republic of Indonesia Personal Data Protection Law and its implementing regulations and changes from time to time.

 8. Changes to the Privacy Policy

MSIG Indonesia may make changes or updates to this Privacy Policy from time to time to ensurethat the MSIG Indonesia Privacy Policy complieswith the provisions and laws in force in Indonesia, especially regarding Personal Data Protection.

You can access the PrivacyPolicy periodically throughthe MSIG Indonesia website or application.