Yale In-Home Terms & Conditions

1.1

These terms and conditions of use (the ”Terms”) apply when ASSA ABLOY Opening Solutions Sweden AB, reg. no. 556034-3161, Box 70340, 107 23 Stockholm, post.no.openingsolutions@assaabloy.com, phone no. 016-177000 (”ASSA ABLOY”) provides the control and managing service ”In-Home services” as regards certain digital locks approved by ASSA ABLOY (”Digital Lock”) through an associated app (the ”Service”). The purpose of the Service is to give users of the Service the possibility to remotely give third parties access to the user's home to deliver products and/or services to the user through the use of temporary one-time codes generated in the app.

2.1

In order to use the Service, you must be at least 18 years and/or otherwise be authorized to enter into agreements and agree to be bound by the Terms. Furthermore, you must have a Digital Lock placed in your home.

2.2

By creating an account and using the Service, you agree to and accept the Terms.

2.3

You acknowledge and consent to that services provided by a third party are provided to you under the terms and conditions that you agree directly with such third party. The services provided by such third party are provided at such third party's own risk. Any questions or complaints concerning them, or in connection therewith, shall be addressed directly to such third party.

2.4

You undertake to, during your use of the Service, hold a valid home insurance. You also agree to be covered by the additional insurance described in Appendix 1, which ASSA ABLOY signs for you through ASSA ABLOY's partner.

3.1            

The Service consists of that you can control activities through your Digital Lock and that you can control, through approval/rejection, who gets access to your home, and when, through your Digital Lock.

3.2            

The features being provided in the Service may vary from time to time. The features result in the possibility for you to monitor, control and manage your Digital Lock, including features that enables a third party to access your home to deliver products and/or services.

3.3            

ASSA ABLOY may also offer you new features in the Service. Such new features may be subject to specific conditions. If you wish to activate the new feature, you must agree to the specific conditions that apply to that feature.

3.4            

It is only possible to have one (1) Digital Lock installed per home when using the Service. Furthermore, the Service can only be used on one (1) mobile phone/device.

3.5            

The Service can only be used for the home address specified by you when registering for the Service, or such updated home address that you at a later time has registered as the current home address. ASSA ABLOY is not responsible for deliveries that have not been able to be carried out because you, when ordering the product or service in question, has specified a different delivery address than the correct address as registered with ASSA ABLOY.

3.6            

Use of the Service may entail that an alarm at the current home address and which is integrated in the Service is automatically turned off in connection with third parties being given access upon delivery. As a user, you are responsible for deactivating a non-integrated alarm in connection with delivery. If you want the alarm to be activated again in connection with closing/locking the Digital Lock, you are responsible for ensuring that this happens.

3.7            

As a user, you are responsible for using the Service with care to, as far as possible, avoid or limit the occurrence of theft or damage. If you have not complied with the duty of care, the compensation may be reduced or not paid at all. A general duty of care applies to insurance.
For example, if you have pets at home, you are responsible for preventing the risk of injury or that the pet otherwise disrupts the delivery in connection with a third party’s access to the home address. For example, ensuring that pets do not stay in a space to which third parties are given access may be required.

3.8            

ASSA ABLOY may direct offers to you through the Service, text messages, e-mails or in other ways. Marketing aimed directly at you as a user shall comply with applicable laws, codes of conduct and ethical guidelines. By creating an account with ASSA ABLOY, you consent to ASSA ABLOY directing offers to you. If you no longer wish to receive such targeted offers, you may notify ASSA ABLOY about this in writing.

3.9            

All intellectual property rights associated with the Service belong to ASSA ABLOY. You are granted a non-exclusive and non-transferable right to use the Service solely for the purposes set out in the Terms and in accordance with applicable law.

4.1

In order to use the Service, you must first create an account (registration). The registration requires information about your Digital Lock, name, home address, e-mail, telephone number, personal password and payment details.

4.2

When you have registered for the Service, you will receive an e-mail confirming your registration, that contains a request for activation of your account. The e-mail contains a link that you must click on in order to confirm your registration.

5.1

The Service requires that the Digital Lock and the associated app are installed correctly and that the lock communicates with your separately obtained gateway.

5.2

In order to use the Service, you must connect your registered account to your gateway through the serial number (the QR-code) placed on your gateway.

5.3

To use the Service, the associated app must be installed on a mobile phone with access to the Internet. For the Service to work, the mobile phone must be connected to the Internet. ASSA ABLOY is not responsible for any errors or defects in the Service caused by the Internet or other communication network over which the Service is transmitted.

5.4

For the Service to work, it is required that you have made all the necessary and correct settings on the mobile phone.

5.5

It is your responsibility to download the app associated with your Digital Lock and to register an account in the app. ASSA ABLOY is not responsible for the Service unless you have a functioning Digital Lock and associated app.

5.6

In some cases, messages such as push notifications or similar may be required for the functionality of the Service.

5.7

You are responsible for choosing secure passwords for your user account, associated app and the User-code (4-digit code) that you use to confirm a remote access. You are also responsible for taking all measures required to keep all passwords and your User-code secret. You may not allow a third party to use your account or to access the Service.

5.8

You are responsible for all use of the Service and for that your login details are being protected against unauthorized access. You are also responsible for protecting your mobile phone against unauthorized use. If you discover that a third party has gained access to a password or User-code, you must change the code/password and contact ASSA ABLOY through 0770-373710, or throughthe other contact details set out in section1.1,to receive further instructions on how to prevent any unauthorized use of the Service.

The Service can fully function only if software updates contained in the Digital Lock, gateway and/or app provided by ASSA ABLOY within the scope of the Service are installed within a reasonable time. ASSA ABLOY is not responsible for any errors that occur in the Service, or damages that arise, as a result of your failure to download and/or properly install any provided updates.

7.1

It is not allowed to copy, modify, distribute or publish content provided by ASSA ABLOY. For personal use it is however allowed to download, copy and save information from ASSA ABLOY. Furthermore, it is not allowed to use offers in an inappropriate way or in any other way misuse the Service.

7.2

You may not register incorrect information within the Service, or to use information provided by a third party without such third party's consent.

7.3

You may not use the Service for any unauthorized or unlawful entry into, or access to, homes, or in any other way use the Service in an unauthorized or unlawful manner.

8.1

The Service commence on the date you received a confirmation of your purchase of the Service. The Service then continues and is automatically renewed thirty (30) calendar days thereafter with a new subscription period that amounts tothirty (30) calendar days (the "Subscription Period"). For each renewed Subscription Period, you will be charged the fee for your next Subscription Period in accordance withsection 9.2.

8.2

You may at any time choose to terminate your account and your use of the Service by selecting “Unregister account” or a corresponding function in the Service, or by contacting ASSA ABLOY through the contact details set out in clause 1.1. Your possibility to use the Service will expire at the end of the Subscription Period during which you terminated the Service. However, ASSA ABLOY will not refund any already charged subscription fees.

9.1

The fee for the Service is the monthly fee that applied at the time you registered for the Service in accordance with section 4 (the "Subscription Fee"). Furthermore, charges to your mobile phone operator or Internet service provider may be added.

9.2

You will be charged the Subscription Fee through the payment method you stated when registering for the Service. The Subscription Fee will be charged automatically on the first day of each Subscription Period unless you before then have terminated the Service in accordance with Section 8.2.

9.3

We reserve the right to change the date on which the Subscription Fee is charged as set out in Section 9.2 if the date of your next Subscription Period falls on a public holiday, or if the date does not fall on a monthly basis (e.g. 30 February).

9.4

If your use of the Service has commenced with a free trial period, you will be charged the Subscription Fee on the first day of your first chargeable Subscription Period, unless you have notified ASSA ABLOY not later than twenty-four (24) hours before the end of the trial period that you do not wish to continue your use of the Service.

9.5

You undertake to keep sufficient funds available to cover the Subscription Fee when it is due forpayment.

9.6

Through the Service, you may be offered access to specific services and other offers from ASSA ABLOY that may require payment. In those cases, you will be specifically informed about this.

You are aware of that ASSA ABLOY will process certain personal data about you in accordance with ASSA ABLOY’s Privacy Policy (the “Privacy Policy”), which is appended to the Terms as Appendix 2.

11.1

In the event of errors or defects in the Service, you must contact ASSA ABLOY without delay and thereafter await further instructions.

11.2

ASSA ABLOY is not responsible for any defects in the Service caused by the Internet or other communication network over which the Service is transmitted. Furthermore, ASSA ABLOY is not responsible for the Service if you do not have a functioning Digital Lock and associated app.

ASSA ABLOY is not responsible for any delay or loss due to circumstances that ASSA ABLOY, or ASSA ABLOY’s subcontractors, do not have control over and which significantly obstruct the fulfilment of the obligation in question,orentail inthat the fulfilment of the obligation is not economically justifiable.

13.1

ASSA ABLOY is entitled to at any time suspend and/or terminate your user account if you breach the Terms, or otherwise use the Service in a manner that may cause damage to ASSA ABLOY or third party. You must then immediately cease all use of the Service and remove the Service from the devices on which the Service is installed. You will then no longer be able to manage the access to your home through the Digital Lock.

13.2

ASSA ABLOY is not responsible for any damages, including consequential damages, in the event the Service does not function properly due to: (a) improper installation or use in accordance with the Terms; (b) errors or defects in the Digital Lock if it has been provided by a third party; (c) improper handling of the Service by you; or (d) actions or omissions by a third party for which ASSA ABLOY has no responsibility (e.g., errors or defectsin Internet connection).

13.3

ASSA ABLOY hasno responsibility towards you or any third party for any type of claim related to theft, inflicting damage on property, personal injury or other type of damages caused by a third party which you have granted access to your home through the Service.

14.1

ASSA ABLOY reserves the right to implement changesto the Service or the Terms at any time.

14.2

In the event that ASSA ABLOY shall implement achange regardingthe Service or the Terms that will have a negative effect on you in the capacity of a user, ASSA ABLOY will inform you about the change no later than sixty (60) days before the change takes effect, and allow you to terminate the Service before the change takes effect. ASSA ABLOY reserves the right to implement the change within a shorter time period if required for security reasons or legal reasons. If you do not choose to terminate the Service at least thirty (30) days before the change comes takes effect and continue to use the Service, you are deemed to have accepted the change.

15.1

In accordance with the Distance and Doorstep Sales Act (2005:59) (Sw. Lagen om distansavtal och avtal utanför affärslokaler), you have the right to cancel your purchase of the Service within fourteen (14) days from the date you receive the confirmation of your purchase of the Service and to receive a refund of paid Subscription Fee. If you wish to use your cancellation right, please contact ASSA ABLOY through the contact details set out in section 1.1. You may also use the Swedish Consumer Agency’s (Sw. Konsumentverket) cancellation form template which is available on the Swedish Consumer Agency’s website www.konsumentverket.se. You do not have the right to cancel your purchase under this section 15.1 if you begin to use the Service within fourteen (14) days of receiving confirmation of your purchase of the Service. By creating an account and using the Service, you consent to being granted immediate access to the Service and to waive your statutory cancellation right.

15.2

ASSA ABLOY is entitled to use subcontractors to fulfil its obligations under the Terms.

15.3

You do not have the right to assign your rights and obligations under these Terms without ASSA ABLOY’s written consent thereto.

15.4

These Terms do not limit your rights as a consumer under mandatory consumer legislation.

15.5

In the event of a dispute between ASSA ABLOY and you in the capacity of a user, the parties shall as a first instance try to resolve the dispute by reaching an agreement.

15.6

If the parties cannot reach an agreement, disputes concerning consumers may be settled by the National Board for Consumer Disputes (Sw. Allmänna Reklamtionsnämnden) with the address Box 174, 101 23 Stockholm, www.arn.se, to the extent that the board is competent to handle the matter.

15.7

Disputes arising from the Terms or your use of the Service shall be settled in accordance with Swedish law and by a Swedish court.

ASSA ABLOY Opening Solutions Sweden AB is committed to protecting and respecting your privacy. We want you to feel safe when we process your personal data. Our Privacy Notice explains how we ensure that your personal data is handled in compliance with applicable legislation and it applies to all our processing of your personal data performed in connection with our provision of our service related to your digital lock.

We only use your personal data for the purposes specified in the Privacy Notice and not in any manner that is incompatible with those purposes. Kindly see our Privacy Notice for further information about our use of personal data and your rights related thereto.

Do not hesitate to contact our Data Protection Manager at integrity.scand@assaabloy.com or +46 16 17 73 33 if you have any questions about this Privacy Notice, our processing of your personal data or if you wish to exercise your rights.

ASSA ABLOY Opening Solutions Sweden AB, reg. no. 556034-3161

Email: integrity.scand@assaabloy.com

Telephone number: +46 16 17 73 33

Web site: www.assaabloyopeningsolutions.com

1.1

ASSA ABLOY Opening Solutions Sweden AB, reg. no. 556034-3161, (“ASSA ABLOY”) is committed to protecting and respecting your privacy. We want you to feel safe when we process your personal data. This Privacy Notice (“Privacy Notice”) explains how we ensure that your personal data is handled in compliance with applicable legislation and applies to our processing of personal data relating to you when providing you with the service that enable you to control your digital Yale Doorman lock via the related mobile application (the “In-Home Service”).

1.2

We need to use your personal data to be able to offer you the In-Home Service and to meet our obligations and responsibilities in relation to you, applicable legislation and good industry practice.

ASSA ABLOY is the data controller for the processing of your personal data and is responsible for ensuring that the processing is carried out in accordance with applicable legislation. If you have any questions regarding the processing of your personal data, you will find our contact details at the end of this Privacy Notice.

• To provide and manage the In-Home Service;
• To market our services e.g. through the mobile application, text messages and emails;
• To prevent fraud and other abuse;
• To comply with legal obligations;
• To establish and defend legal claims; and
• To enable mergers, divestitures, restructuring, reorganization, dissolution and other sale or transfers of ASSA ABLOY’s assets.

• when you sign up for the Service;
• through user-interactions with the Service;
• through online forms and otherwise through our web sites;
• through emails and text messages sent to and from ASSA ABLOY; and
• through your contact with our support team.

We do not use processes for automatic decision-making.

6.1

6.2

6.3

6.4

6.5

7.1

• our subsidiaries and affiliates;
• third party service providers such as IT-suppliers, accountants and other support functions;
• third parties involved in providing the In-Home Service, such as Connected LockPartners, service providers and insurance providers; and
• to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of ASSA ABLOY’s assets.

7.2

7.3

ASSA ABLOY will mostly only process yourpersonal data within the EU/EEA. However, we may sometimesneed to transfer personal data to third countries. If we engage in such transfer, we will ensure that there is a legal basis for thetransfer and that the level of protection is equivalent to that applicable within the EU/EEA, either by ensuring that the country has an adequate level of protection, that we have taken adequate protective measuressuch as the EU Model Clauses (available here), that you have given your explicit consent or that the transfer is necessary with regards to the purposes set out in article 49 of the GDPR.

10.1

10.2

We use cookies that may include personal data to improve, analyseand administer our websites/myPages and your experience of them in accordance with our cookie policy. 

We have the right to make changes to this Privacy Notice at any time. When we make changes that are not purely editorial, such as formatting, typographical error corrections or other changes that do not materially affect you, we will inform you of these changes and what they mean for you before they become effective.

In this Cookie Policy you will find information about how we process and use cookies on yaleinhome.com. 

Cookies are small text files that contains information that is stored on your device when visiting our website. The period for which a cookie is stored varies depending on its nature. The cookies help us provide you with the best possible experience when you visit our website by enabling some core features and by providing us with anonymous data to help us improve the user experience on our website.

To give you the best possible user experience, yaleinhome.com uses a variety of cookies that are grouped into the following categories.

Necessary cookies are essential for our website to function properly. They are usually set up on our website in response to you, such as by specifying your personal preferences, login software or to fill out forms.

We use functional cookies to remember settings that you make on this website, such as language settings.

If you do not allow the installation of these cookies, it may result in that some of the settings may not function properly on our website.

If you interact with content from other sources that we post on our website, such as maps, social media and videos, third-party cookies may also be stored on your device.

We may also place ad cookies on our website through our advertising partners such as Google, Facebook and LinkedIn. These cookies are used by our partners to show ads that matches your interests when you visit other websites

If you want to avoid the storage of cookies, you can set your browser to block cookies automatically, or for you to be notified when a website requests permission to store a cookie. Previously stored cookies can also be deleted via the browser.

For more information, check the “Help” menu in your internet browser. However, please note that some areas and features on this website are dependent on cookies and may therefore not work properly if you delete or block them.

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Used to:

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Sometimes, this feature comes with scripts or other elements that may read and sometimes store cookies from these social networks on your device. These cookies may allow personal advertising to make the ads more relevant to you based on your interests. In addition, if you are logged into a social media account, the listed social media may use cookies to offer you services based on you interest through your account.

Read more about the different social media platforms below:

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Cookies do not register any personal information on the website and the data is anonymized.

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We do not gather personal information through our functional cookies, but if you wish to disable these you may set your browser so that it automatically refuses the storage of cookies.

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Third-party cookies

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You may adjust your cookie-settings by setting your browser to automatically reject cookie storage or to be notified when a website requests permission to store a cookie. Depending on your selected browser settings, certain cookies may stop working which in turn may affect negatively your experience on our website.

If you have already visited our website and have previously approved the use of cookies, you may withdraw your consent to cookies and delete them from your device in your browser settings. Browser-specific information on how to achieve this can be found on the browsers support pages or at www.allaboutcookies.org, which provides information about cookies and a guide for each browser. If you wish to contact us regarding any questions, you may do so through our contact form.

In addition to these conditions, the regulations under the Swedish Insurance Contracts Act (2005:104) (försäkringsavtalslagen) apply in applicable parts. In the cases of interpretation, the regulations in this condition take precedence over the regulations in the Swedish Insurance Contracts Act to the extent possible.

1.1 Policyholder

ASSA ABLOY has taken out a compulsory group insurance for holders of Yale Doorman locks who have signed up to ASSA ABLOY ”Services and deliveries inside the home” subscription.

1.2 Insured

• Monthly subscriber (Subscriber) of locks according to 1.1
• Household members registered at the same address as the subscriber
• The subscriber's children or husband/wife or partner who is/are household member(s) but are registered at another address due to shared custody

The insurance applies to the address where the subscriber's lock is installed.

The insurance applies for the period of time that the policyholder subscribes to ”Services and deliveries inside the home”. In the event of termination of the subscription, the insurance will simultaneously cease to apply.

4.1 Damage covered by the insured's home insurance

4.1.1 Excess cover in the event of theft

The insurance reimburses the insured's excess on the home insurance in the event of theft that has occurred at the place of insurance according to point 2 above in connection with services performed by a supplier.

4.1.2 Excess cover in the event of all-risks damage/h4>

The insurance reimburses the insured's excess on the home insurance in the event of sudden and unforeseen damage to movable property caused by the supplier. The damage must have been caused by an event of external origin.

4.1.3 Legal protection

The insurance applies when the home insurance's reimbursement amount of the Legal protection element has been exhausted. The insurance only applies to disputes with suppliers regarding reimbursement for theft or all-risks damage. The policyholder is obliged to report the dispute to their home insurance company.

4.2 Damage not covered by the insured's home insurance

4.2.1 Theft

• Scope

The insurance reimburses for loss of movable property due to theft that has occurred at the insured location according to point 2 above that occurred in connection with service performed by the supplier, where it is probable that the theft was committed by a person employed by or acting on behalf of the supplier.

Theft or loss must always be reported to the police and a copy of the report must be attached to the damage report.

• Excess

The insurance applies without excess.

4.2.2 All-risks

• Scope

The insurance applies to sudden and unforeseen damage caused by the supplier. The damage must have been caused by an event of external origin.

• Excess

The insurance applies without excess.

4.2.3 Legal protection

Disputes must first be reported to the home insurance company. The insurance applies in the event that the home insurance's legal protection element does not cover a dispute with the supplier. The insurance only applies for a disputes with the supplier regarding reimbursement for theft or all-risks damage that exceeds the reimbursement that has been paid out or can be paid out through this insurance.

4.2.3.1 Qualification rules

• Legal protection can be granted if the events or circumstances on which the dispute is based have occurred during the period of the insurance and no longer than three years have elapsed thereafter. Disputes regard claims that have been rejected in whole or in part.
• The insurance applies to events or circumstances, which form the basis of the dispute, which has occurred in the Nordic region and which can be tried as a civil case by a district court, court of appeal or the highest court or equivalent courts in another country within the Nordic region.

4.2.3.2 Requirement for a representative

In order for the insurance to apply, you must be represented by a representative in the dispute. The representative must be appropriate with regard to the requirements that the law places on representatives and be

1. i. a lawyer or legal assistant at a law firm, or
2. ii. another person who meets the requirements for suitability. Berkley has the right to request an advisory opinion on the suitability according to Swedish Insurance's Review Procedure for Suitability of Representatives.

4.2.3.3 Costs

You can be reimbursed for the following costs if they are necessary and reasonable and you cannot get them paid by the other party:

• Representative's fees and expenses. Fees submitted for reasonable time.
• Costs for investigation before trial, provided that the investigation has been ordered by your representative.
• Costs for evidence in court.
• Court costs you have been ordered to pay to the other party after trial of the dispute.

4.2.3.4 Payment rules

Reimbursement is made to your own representative for your own reimbursable costs when the case is finally reported to the extent that the reimbursement has not been paid to the other party after enforcement of a ruling or similar. If you become or may become liable for reimbursement to more than one party, we have the right to distribute the remaining insurance compensation.

4.2.3.5 Excess

Legal protection excess is 5,000 SEK+ 10 percent of the costs that exceed 5,000 SEK.

4.3 Limitation in the event that the insured has no valid home insurance at all

In the event that the insured does not have any valid home insurance, this insurance covers damage or loss according to 4.2.1 and 4.2.2 with reduced reimbursement amount.

5.1 Home insurance excess

If damage or loss according to 4.1.1 and 4.1.2 can be reimbursed through the insured's home insurance, this insurance reimburses the excess on the home insurance, however, a maximum of 5,000 SEK per claim.

5.2 Theft or All-risks damage

If damage or loss according to 4.2.1 and 4.2.2 can be reimbursed through the insured's home insurance, this insurance covers a maximum insurance amount of 25,000 SEK per claim.

If no valid home insurance is in place according to 4.3 this insurance covers a maximum insurance amount of 5,000 SEK per claim.

5.3 Legal protection

For disputes covered by this insurance, a maximum insurance amount applies of 250,000 SEK per dispute and 500,000 SEK in total for all disputes covered by this insurance. The limitation applies during the subscription period.

The insurance does not apply to

• Damage that can be reimbursed though other insurance, warranty or agreement.
• Damage that can be reimbursed though other insurance, warranty or agreement.
• Damage or loss that has occurred outside the applicable insurance period according to point 3 above.
• Lost property.
• Theft of or damage to motor vehicles or boats.
• Property belonging to someone other than the insured, including property belonging to a sole proprietorship, trading company, limited liability company or other legal person, even if the property is wholly or partly managed by the insured.

Reimbursement according to points 4.2.1 and 4.2.2 is based on what it costs Berkley to

• repair the damage, or
• to purchase corresponding items at market value at the time of the claim

Berkley determines which of these options to choose and which repairer or supplier to choose.

8.1 Normal diligence

The insured must, as far as possible, prevent and stop damage from occurring. For example, keys and codes must be stored and managed safely to prevent unauthorised persons from obtaining them. Doors must be kept locked and windows closed.

We recommend that valid home insurance is in place at the relevant address.

8.2 Intent or gross negligence

The insurance reimbursement may be reduced in full or in part if the insured part/parties (according to point 1.2 above) has/have caused the damage intentionally or through gross negligence.

• Antiques, pieces of art, and collections of all kinds: Valued according to market price
• Jewellery and other of precious metal pieces: Valued at new price for equivalent item. If the item is used, the item is valued at the replacement price for the equivalent used item.
• Computers , tablets and computer equipment: Valued at new price for equivalent item with 10% deduction for each started year, maximum 80% deduction.
• Mobile phones: Valued at equivalent new price with 20% deduction for every started year after 1 year, maximum 80% deduction.
• White and brown goods: Valued at new price for equivalent item with 10 % deduction for every started year after 7 years, however, maximum 80% deduction.
• Bicycles/electric bicycles: Valued at new price for equivalent item with 20 % deduction for every started year after 5 years, however, maximum 80 % deduction.
• Other movable property: Valued at new price for equivalent item with deduction for depreciation due to age and wear. If the value of the item is more than 75% of the new price, no age deduction is made.
• Movable property that is defective or no longer in use is valued at its market value.

Claims for damage or disputes that have arisen must be reported to FUAB Customer service without delay

E-mail: assa@fuab.com

Telephone: +46 (0) 8 – 520 056 82

We process your personal data in accordance with the General Data Protection Regulation (GDPR), other applicable legislation and government regulations. GDPR applies to the entire EU and aims to protect your privacy, which we also want to protect in our business. The personal data we collect about you is necessary for us to be able to administer the insurance, fulfil our contractual obligations and satisfy the requirements you have as a customer. Data that may be relevant includes, for example, name, address, social security number, telephone number, e-mail address, as well as insurance related personal data. The data will also be used to evaluate and make decisions on the content and structure of insurance, as well as for market analyses. We may provide personal data to companies with which we collaborate for such purposes. In cases where we have a disclosure obligation to authorities, we will disclose the data requested by the authority. The data will also be used to provide you with information about our services in general.

You have the right to order a copy of what data we hold about you.  You also have the right to receive more detailed information about how your personal data is processed.

The insurance cover is terminated in the event that the group insurance contract is terminated by the policyholder or the insurer.

The insured can be terminated from the group insurance due to damage caused by intent or gross negligence or in the event of frequent recurring claims.

Initially, always get in contact with the person who handled the case to sort out any misunderstandings. If you are still not happy with the decision, you can always appeal.

THE NATIONAL BOARD FOR CONSUMER DISPUTES (ARN)

If you have appealed your case and are still not satisfied, you can contact the National Board for Consumer Disputes, Box 174, SE-101 23 Stockholm, telephone: +46 (0) 8-508 860 00, website: www.arn.se, e-mail address: arn@arn.se

THE SWEDISH INSURANCE ASSOCIATION'S BOARD FOR LEGAL PROTECTION ISSUES

You can turn here for appeals against decisions in matters of legal protection.

Postal address: Box 24067, SE-104 50 Stockholm, telephone: +46 (0) 8-522 787 20, website: forsakringsnamnder.se

THE SWEDISH CONSUMERS' INSURANCE BUREAU

The Swedish Consumers' Insurance Bureau provides consumers with independent and free information and advice regarding pensions, insurance and claims settlement but does not try disputes. The Swedish Consumers' Insurance Bureau's postal address: Box 24215, SE-104 51 Stockholm, visiting address: Karlavägen 108, Stockholm, telephone: +46 (0) 200-22 58 00, website: konsumenternasforsakringsbyra.se, e-mail via web form.

ORDINARY COURT OF LAW

An insurance dispute can in most cases also be tried by an ordinary court of law.

The Swedish Insurance Contracts Act (2005:104), Swedish Insurance Distribution Act (2018:1219) as well as Swedish law in general apply to this insurance. Disputes regarding the interpretation or application of this insurance contract or issues related to the contractual relationship shall be settled in accordance with Swedish law in Swedish courts of law.

• Supplier

Company (legal person) hired by the insured for the execution of delivery or performance of service. The Supplier must have an agreement with the policyholder and have been authorised access to the place of insurance by the policyholder.

• Subscription period

An uninterrupted sequence of monthly renewals of lock subscriptions to which this insurance is connected.

INSURER

W. R. Berkley Insurance AG svensk filial, Birger Jarlsgatan 22, SE-114 34 Stockholm , org. no. 516410-2070. www.berkleyforsakring.se

Complaints manager: Claims manager, W. R. Berkley Insurance AG svensk filial

berkley.sverige@wrberkley.com, 

telephone:+46(0)8-410 337 00

INSURANCE INTERMEDIARY

This insurance is mediated by FörsäkringsUtveckling Sverige AB (FUAB), Box 380 44, SE-100 64 Stockholm, telephone +46(0)8-5200 5676.