Guaranteed Completions is a Risk Management Service offering Completion Bond and Media Credit Insurance Risk Management. Guaranteed Completions is committed to protecting your privacy. This commitment reflects the value we place on earning and keeping the trust of our customers, business partners, and others who share their personal information with us.
This Privacy Statement (“Statement”) explains Guaranteed Completions’ information processing practices. It applies to any personal information you provide to Guaranteed Completions and any personal information we collect from other sources. This Statement is a statement of our practices and of your rights regarding your personal information. This is not a contractual document, and it does not create any rights or obligations on either party, beyond those which already exist under data protection laws. This Statement does not apply to your use of a third-party site linked to on this website.
Throughout this Statement, “Guaranteed Completions” refers to Guaranteed Completions GmbH, including its affiliated companies and subsidiaries (also referred to as “we”, “us”, or “our”). The Guaranteed Completions entity responsible for your personal information (and the controller for the purposes of data protection laws) will be the member of Guaranteed Completions that originally collects information from or about you. This may also be explained in separate privacy notices made available when your personal information is first collected by that Guaranteed Completions entity, for example where you or the business you work for engages us to provide a service. Some of the services which Guaranteed Completions provides to its clients are provided as a processor, which means that the Client remains primarily responsible for your information. In these circumstances, we may re-direct a query about our use of your information to our client.
Guaranteed Completions collects personal information from its clients (about their employees and customers) to provide risk-based services, such as Risk Management Consulting. Guaranteed Completions also collects some personal information directly, for example over its websites and applications. Guaranteed Completions uses personal information to deliver services to clients. For its own purposes, it also uses personal information to analyse and improve how it delivers those services, to contact representatives of its clients or prospective clients and to market to them. If Guaranteed Completions uses your personal information, you will have certain important rights which you can exercise. The rights you will be able to exercise will depend on how and why Guaranteed Completions uses your information. The primary point of contact at Guaranteed Completions for questions regarding your personal information is Guaranteed Completions GmbH, Pestalozzistrasse 3, 10625 Berlin, Germany or privacy@Guaranteed-Completions.com
Guaranteed Completions collects personal information in the following ways:
Our services and products include Risk Management Consulting and other forms of services in regard to FPI, Completion Bond and Media Credit Insurance. In these cases, your personal information will normally be provided to us by our clients (or advisors or service providers acting on behalf of our clients), or sometimes our clients may ask us to contact you directly. We may also need to obtain information from third parties such as insurance companies, insurance brokers or agents, credit organizations, tax authorities, financial institutions, medical professionals (e.g. in the case of FPI) and publicly available sources.
For example, if you ask us to obtain insurance quotes on your behalf, or if you contact us as a representative of your employer to enquire about a professional service you would like us to offer to your company.
Guaranteed Completions collects personal information in the following ways:
Our services and products include Risk Management Consulting and other forms of services in regard to FPI, Completion Bond and Media Credit Insurance. In these cases, your personal information will normally be provided to us by our clients (or advisors or service providers acting on behalf of our clients), or sometimes our clients may ask us to contact you directly. We may also need to obtain information from third parties such as insurance companies, insurance brokers or agents, credit organizations, tax authorities, financial institutions, medical professionals (e.g. in the case of FPI) and publicly available sources.
For example, if you ask us to obtain insurance quotes on your behalf, or if you contact us as a representative of your employer to enquire about a professional service you would like us to offer to your company.
When you request services, we ask that you provide accurate and necessary information that enables us to respond to your request. When a visitor provides personal information to us, we use it for the purposes for which it was provided to us as stated at the point of collection or as obvious from the context of collection, for example providing an insurance quote, applying for a position at Guaranteed Completions or creating a profile on a website or application.
When we provide the services listed above for our clients, we may collect personal information such as your name, contact details, date of birth, gender, marital status, financial details, employment details, and benefit coverage. We may also collect (in each case as strictly relevant to the services we provide) sensitive information about you, such as criminal convictions or health information in relation to life or health. Most of the personal information we receive relates to your participation in the compensation and benefits programs offered by your employer.
More information about the personal information collected for each of our services, together with the purpose and legal basis for collecting the information, will be provided to you in separate privacy notices which are relevant to the services which affect you.
We will not collect any sensitive information through our website unless this is required. Sensitive information includes a number of types of data relating to: race or ethnic origin; political opinions; religious or other similar beliefs; trade union membership; physical or mental health; sexual life or criminal record. We suggest that you do not provide sensitive information of this nature unless we specifically request this information.
If you provide us with sensitive personal information, you understand and give your explicit consent that we may collect, use and disclose this information to appropriate third parties for the purposes described in this Statement. If you provide personal information about other individuals such as employees or dependents, you must obtain their consent prior to your disclosure to us.
For purposes of this Statement, “website” includes our mobile applications.
We may ask you for some or all of the following types of information when you register for events, request services, manage accounts, access various content and features or directly visit our websites. This includes, but is not limited to:
In some instances, we automatically collect certain types of information when you visit our websites and through e-mails that we may exchange. Automated technologies may include the use of web server logs to collect IP addresses, “cookies” and web beacons.
You can engage with us through social media websites or through features such as plug-ins or applications on Guaranteed Completions websites that integrate with social media sites. You may also choose to link your account with us to third party social media sites.
When you link your account or engage with us on or through third party social media sites, plug-ins, or applications, you may allow us to have ongoing access to certain information from your social media account (e.g., name, e-mail address, photo, gender, birthday, the posts or the ‘likes’ you make).
If you post information when you interact with our websites through social media sites, plug-ins or other applications, depending on your privacy settings, this information may become public on the Internet. You can control what information you share through privacy settings available on some social media sites. For more information about how you can customize your privacy settings and how third-party social media sites handle your personally identifiable information, please refer to their privacy help guides, privacy notices and terms of use.
If you access our websites on your mobile telephone or mobile device, we may also collect your unique device identifier and mobile device IP address, as well as information about your device’s operating system, mobile carrier and your location information. We may also ask you to consent to providing your mobile phone number (for example, so that we can send you push notifications).
The following is a summary of the purposes for which we use personal information. More information about the personal information collected for each of our services, together with the purpose and legal basis for collecting the information, will be provided to you in separate privacy notices which are relevant to the services which affect you.
We process personal information which our clients provide to us in order to perform our professional consultancy and risk-based advisory services. This may impact you, for example, where you are the employee of our client, or the member of a client’s pension scheme. The precise purposes for which your personal information is processed will be determined by the scope and specification of our client engagement, and by applicable laws, regulatory guidance and professional standards. It is the obligation of our client to ensure that you understand that your personal information will be disclosed to Guaranteed Completions (or to service providers such as Guaranteed Completions).
We process personal information about our clients and the individual representatives of our corporate clients in order to:
We process personal information about our clients and the individual representatives of our corporate clients in order to:
Guaranteed Completions is an innovative business, which relies on developing sophisticated products and services by drawing on our experience from prior engagements. Guaranteed Completions is not concerned with an analysis of identifiable individuals, and we take steps to ensure that your rights and the legitimacy of Guaranteed Completions’ activities are ensured through the use of aggregated or otherwise de-identified data.
If we wish to use your personal information for a purpose which is not compatible with the purpose for which it was collected for, we will request your consent. In all cases, we balance our legal use of your personal information with your interests, rights, and freedoms in accordance with applicable laws and regulations to make sure that your personal information is not subject to unnecessary risk.
All processing (i.e. use) of your personal information is justified by a “lawful basis” for processing. In the majority of cases, processing will be justified on the basis that:
In limited circumstances, we will use your consent as the basis for processing your personal information, for example, where we are required to obtain your prior consent in order to send you marketing communications.
Before collecting and/or using any special categories of data, or criminal record data, we will establish a lawful exemption which will allow us to use that information. This exemption will typically be:
Our websites are not directed to children and we do not knowingly collect personal information from children on our websites. Children are prohibited from using our websites.
How long we retain your personal information depends on the purpose for which it was obtained and its nature.
We will keep your personal information for the period necessary to fulfil the purposes described in this Statement unless a longer retention period is permitted by law, in accordance with the Guaranteed Completions Record Retention Policy.
In specific circumstances we may store your personal information for longer periods of time so that we have an accurate record of your dealings with us in the event of any complaints or challenges, or if we reasonably believe there is a prospect of litigation relating to your personal information or dealings.
We may share your personal information with other Guaranteed Completions entities, brands, divisions, and subsidiaries to serve you, including for the activities listed above.
We do not rent, sell or otherwise disclose personal information about our online visitors with unaffiliated third parties for their own marketing use. We do not share your personal information with third parties except in the following circumstances discussed below.
We disclose personal information to business partners who provide certain specialized services to us, or who co-operate with us on projects. These business partners operate as separate controllers and are responsible for their own compliance with data protection laws. You should refer to their privacy notices for more information about their practices.
Examples include
We may disclose your information to service providers we have retained (as processors) to perform services on our behalf (either in relation to services performed for our clients, or information which Guaranteed Completions uses for its own purposes, such as marketing). These service providers are contractually restricted from using or disclosing the information except as necessary to perform services on our behalf or to comply with legal requirements. These activities could include any of the processing activities that we carry out as described in the above section, ‘How we use your personal information.’
Examples include
These third parties appropriately safeguard your data, and their activities are limited to the purposes for which your data was provided.
We may disclose personal information
We are a global organization and may transfer certain personal information across geographical borders to Guaranteed Completions entities, authorized service providers or business partners in other countries working on our behalf in accordance with applicable law.
Our affiliates and third parties may be based locally, or they may be overseas some of which have not been determined by the European Commission to have an adequate level of data protection.
When we do, we use a variety of legal mechanisms to help ensure your rights and protections travel with your data:
Examples of countries we transfer personal information to include, but are not limited to Germany, United States of America, the United Kingdom and the Netherlands.
If you would like further information about whether your information will be disclosed to overseas recipients, please contact us as noted below. You also have a right to contact us for more information about the safeguards we have put in place (including a copy of relevant contractual commitments, which may be redacted for reasons of commercial confidentiality) to ensure the adequate protection of your personal information when this is transferred as mentioned above.
The security of your personal information is important to us and Guaranteed Completions has implemented reasonable physical, technical and administrative security standards to protect personal information from loss, misuse, alteration or destruction.
We protect your personal information against unauthorized access, use or disclosure, using security technologies and procedures, such as encryption and limited access. Only authorized individuals access your personal information, and they receive training about the importance of protecting personal information.
Our service providers and agents are contractually bound to maintain the confidentiality of personal information and may not use the information for any unauthorized purpose.
We take reasonable steps to provide you with communication about your information. You can update your communication preferences in the following ways.
If you have created a profile or account on one of our websites, you can update your contact information after you log into your account.
If you request electronic communications, such as an e-newsletter, you will be able to unsubscribe at any time by following the instructions included in the communication.
If you previously chose to receive push notifications on your mobile device from us but no longer wish to receive them, you can manage your preferences either through your device or the application settings. If you no longer wish to have any information collected by the mobile application, you may uninstall the application by using the uninstall process available on your mobile device.
Contact us by e-mail or postal address as noted below. Please include your current contact information, the information you are interested in accessing and your requested changes.
If we do not provide you with access, we will provide you with the reason for refusal and inform you of any exceptions relied upon.
Subject to certain exemptions, and in some cases dependent upon the processing activity we are undertaking, you have certain rights in relation to your personal information.
We may ask you for additional information to confirm your identity and for security purposes, before disclosing the personal information requested to you. We reserve the right to charge a fee where permitted by law, for instance if your request is manifestly unfounded or excessive.
You can exercise your rights by contacting us. Subject to legal and other permissible considerations, we will make every reasonable effort to honour your request promptly or inform you if we require further information in order to fulfill your request.
We may not always be able to fully address your request, for example if it would impact the duty of confidentiality we owe to others, or if we are legally entitled to deal with the request in a different way.
You have right to access personal information which Guaranteed Completions holds about you. If you have created a profile, you can access that information by visiting your account.
You have a right to request us to correct your personal information where it is inaccurate or out of date.
You have the right under certain circumstances to have your personal information erased. Your information can only be erased if your data is no longer necessary for the purpose for which it was collected, and we have no other legal ground for processing the data.
You have the right to restrict the processing of your personal information, but only where:
You have the right to data portability, which requires us to provide personal information to you or another controller in a commonly used, machine readable format, but only where the processing of that information is based on
(i) consent; or
(ii) the performance of a contract to which you are a party.
You have the right to object the processing of your personal information at any time, but only where that processing is has our legitimate interests as its legal basis. If you raise an objection, we have an opportunity to demonstrate that we have compelling legitimate interests which override your rights and freedoms.
You have the right to not be subject to decisions based solely on automated decision making, which produce legal or significant effects for you, except where these are
(i) necessary for a contract to which you are a party;
(ii) authorized by law;
(iii) based on your explicit consent.
Even where such decisions are permitted, you can contest the decision and require Guaranteed Completions to exercise human intervention.
We currently do not use automated decision making (including automated decision-making using profiling) when processing your personal information. If we ever use an automated decision-making solution, you have a right to request that a decision based off your personal information cannot be solely decided via an automated process.
As noted above, you can ask to obtain a copy of, or reference to, the safeguards under which your personal information is transferred outside of the European Union.
If you have any questions, would like further information about our privacy and information handling practices, would like to discuss opt-outs or withdrawing consent, or would like to make a complaint about a breach of the Act or this Statement, please contact the Privacy Officer:
privacy@Guaranteed-Completions.com
Alternatively, you have the right to contact your local Data Protection Authority.
If you have any questions relating to this Statement, please contact us at Guaranteed Completions GmbH, Pestalozzistrasse 3, 10625 Berlin, Germany or
privacy@Guaranteed-Completions.com
