Privacy policy

Purpose
Ensure the functionality of the website and optimize its design, user-friendliness, and efficiency, including analyzing which information is most popular and therefore should be easy to find.  

Data
Information about the use of the website, including navigation on the site, timestamps, what is clicked, pages/content visited, browser type, search terms, IP address, device type information (computer, smartphone, etc.), and the features used.  

Legal Basis
Under cookie regulations, we can only set statistical and analytical cookies if consent is given. We also obtain consent to process the mentioned personal data, pursuant to GDPR Article 6(1)(a).  
Personal data processed in connection with cookies necessary for the functionality of the website is processed based on GDPR Article 6(1)(f), as we pursue our legitimate interest in ensuring the website's functionality.  

Storage Duration
The information collected about your use of the website is deleted according to our cookie policy. The individual expiration dates are listed, and you can also read more about how to delete cookies yourself.  

Data Controller
Howden Denmark A/S.  
CVR: 42248789  
Nørgaardsvej 30  
2800 Kongens Lyngby  

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Purpose
Track website visitors for marketing purposes, including displaying relevant ads (profiling).  

Data
Information about the use of the website, including navigation on the site, timestamps, what is clicked, pages/content visited, browser type, search terms, IP address, device type information (computer, smartphone, etc.), and the features used.  

Legal Basis 
Under cookie regulations, we can only set marketing cookies if consent is given. We also obtain consent to process the mentioned personal data, pursuant to GDPR Article 6(1)(a).  

Storage Duration
The information collected about your use of the website is deleted according to our cookie policy. The individual expiration dates are listed, and you can also read more about how to delete cookies yourself.  

Data Controller 
Howden Denmark A/S.  
CVR: 42248789  
Nørgaardsvej 30  
2800 Kongens Lyngby  

Third Parties
The individual company in the group may disclose personal data to third parties that place cookies on the website to help analyze website usage and user preferences, as well as to offer relevant content and advertisements to website users. Please refer to our cookie policy for further information.

Exchange with Group Companies 
No personal data is exchanged with other companies in the group.

Data Processors
The individual company in the group may entrust personal data to data processors who, among other things, host, develop, and provide support for IT systems. Such data processors may be other companies within the Howden Denmark group or external suppliers.

Purpose  
Communication with business customers, suppliers, potential business customers, partners, and other relevant parties.

Data  
Name and contact details, including email address, phone number. Possible affiliation with the specific company. Subject matter of the communication.

Legal Basis  
GDPR Article 6(1)(f), as we pursue our legitimate interest in communicating with relevant contacts and responding to inquiries, etc.

Storage Duration  
The information is generally deleted 12 months after the last contact or 12 months after the end of the financial year in which the relationship with the company ended.

Data Controller  
The Howden Denmark company that the communication is with.

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Purpose  
Accounting obligations.

Data  
Name and contact details, including email address, phone number. Possible affiliation with the specific company.

Legal Basis  
GDPR Article 6(1)(c), as we are obligated to retain accounting material in which the relevant information is included.

Storage Duration  
The information is generally deleted 5 years after the end of the financial year to which the material pertains.

Data Controller  
The Howden Denmark company that issues the invoice.

Third Parties  
The individual company in the group may disclose your personal data to insurance companies in connection with the establishment, modification, administration, and termination of insurance relationships, as well as in connection with assistance in claims and other insurance-related events. In such cases, you will receive specific information about which insurance companies are involved in relation to the agreements you or the company you represent have entered into with the individual company in the group or discussions the company has had with you or the company you represent.

The individual company in the group may disclose your personal data to public authorities when required by applicable law or as a result of court orders or inquiries from the police or other authorities.

Exchange with Group Companies  
Your personal data may be exchanged with other companies in the Howden Denmark group to offer better-tailored products and services. Additionally, your personal data may be shared with other companies in the Howden Denmark group if you have contacted one company and your inquiry is better addressed by another company within the group.

Data Processors  
The individual company in the group may entrust personal data to data processors who, among other things, host, develop, and provide support for IT systems. Such data processors may be other companies within the Howden Denmark group or external suppliers.

Purpose
Advising individuals on insurance, including providing quotes.  

Data
Name, email address, phone number, vehicle details, CPR number, and information regarding insurance, including existing and possibly future coverage (the latter when providing a quote).  

Legal Basis
The legal basis for the processing is GDPR Article 6(1)(b), as the processing is necessary for the performance of a contract to which you are a party or for the implementation of measures taken at your request prior to entering into a contract. The legal basis for processing the CPR number is the Data Protection Act § 11(2)(1), in accordance with the Insurance Distribution Act.  

Storage Duration
If you are a customer, the information will be deleted 12 months after the end of the financial year in which the customer relationship ended. If the information is processed in the context of providing a quote, it will be deleted 12 months after the last contact.  

Data Controller
Howden HD Forsikringsagentur ApS  
CVR: 28115172  
Nørgaardsvej 30  
2800 Kongens Lyngby  

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Purpose
Handling of insurance claims (property damage).  

Data
Name, email address, phone number, information regarding insurance, vehicle details, and specific details of the claim. CPR numbers are also processed for customers.  

Legal Basis
The legal basis for the processing is GDPR Article 6(1)(b), as the processing is necessary for the performance of a contract to which you are a party. The legal basis for processing the CPR number is the Data Protection Act § 11(2)(1), in accordance with the Insurance Distribution Act. If you are a party to a case, we process your personal data based on GDPR Article 6(1)(f), as we pursue our legitimate interest in communicating with the relevant parties in the case.  

Storage Duration
The information will be deleted 5 years after the end of the financial year in which the claim is concluded.  

Data Controller
Howden HD Forsikringsagentur ApS  
CVR: 28115172  
Nørgaardsvej 30  
2800 Kongens Lyngby  

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Purpose
Accounting obligations.  

Data
Name and contact details, billing information, and insurance details.  

Legal Basis
GDPR Article 6(1)(c), as we are obligated to retain accounting material in which the relevant information is included.  

Storage Duration
The information will be deleted 5 years after the end of the financial year to which the material pertains.  

Data Controller
Howden HD Forsikringsagentur ApS  
CVR: 28115172  
Nørgaardsvej 30  
2800 Kongens Lyngby  

Third Parties
Each company in the group may disclose your personal data to insurance companies in connection with the establishment, modification, administration, and termination of insurance contracts, as well as in connection with assistance in the event of claims and other insurance-related events. You will receive specific information about which insurance companies, etc., are involved in relation to the agreements you have entered into with the individual company or discussions we have had with you. The individual company in the group may also disclose your personal data to public authorities if required by applicable law or as a result of court orders or inquiries from the police or other authorities.  

Exchange with Group Companies
Your personal data may be exchanged with other companies in the Howden Denmark group in order to offer you better tailored products and services. In such cases, your consent to this exchange will be obtained in advance. Additionally, your personal data may be shared with other companies in the Howden Denmark group if you have contacted one company, and your inquiry is better answered by another company within the group.  

Data Processors
Each company in the group may entrust personal data to data processors who, among other things, host, develop, and provide support for IT systems. Such data processors may be other companies within the Howden Denmark group or external suppliers.

Purpose  
Advising on mortgage credit, including providing quotes.  

Data  
Name, address, email address, phone number. Personal financial information, including bank details, and information about the household. CPR number is also processed.  

Legal Basis  
The legal basis for the processing is GDPR Article 6(1)(b), as the processing is necessary for the performance of a contract to which you are a party or for the implementation of measures taken at your request prior to entering into a contract. The legal basis for processing the CPR number is consent pursuant to the Data Protection Act § 11(2)(2).  

Storage Duration  
If you are a customer, the information will be deleted 5 years after the end of the financial year in which the customer relationship ended. If the information is processed in the context of providing a quote, it will be deleted 12 months after the last contact. The information will be deleted 5 years after the end of the financial year to which the material pertains.  

Data Controller  
Howden Realkreditrådgivning ApS  
CVR: 27077048  
Nørgaardsvej 30  
2800 Kongens Lyngby  

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Purpose  
Accounting obligations  

Data  
Name and contact details, billing information, and service details.  

Legal Basis  
GDPR Article 6(1)(c), as we are obligated to retain accounting material in which the relevant information is included.  

Storage Duration  
The information will be deleted 5 years after the end of the financial year to which the material pertains.  

Data Controller  
Howden Realkreditrådgivning ApS  
CVR: 27077048  
Nørgaardsvej 30  
2800 Kongens Lyngby  

Third Parties
We may disclose your personal data to your bank or mortgage institute if necessary in connection with advice or offers related to mortgage credit. We disclose your personal data to public authorities when required by applicable law or as a result of court orders or inquiries from the police or other authorities.

Exchange with Group Companies
The individual company in the group does not share personal data with other companies within the group.

Data Processors
The individual company in the group may entrust personal data to data processors who, among other things, host, develop, and provide support for IT systems. Such data processors may be other companies within the Howden Denmark group or external suppliers.

Purpose  
Processing of information in order to send newsletters (direct marketing).  

Data  
Name, email address, and affiliation with the company.  

Legal Basis  
GDPR Article 6(1)(a), as we obtain consent for the processing of the information at the same time as the consent for receiving newsletters in accordance with the Marketing Act.  

Storage Duration  
The information is processed as long as the consent is valid. Information about the name and email address is stored for up to 2 years after the last use (sending of the newsletter) in order to document compliance with the Marketing Act.  

Data Controller  
Howden Denmark A/S.  
CVR: 42248789  
Nørgaardsvej 30  
2800 Kongens Lyngby  

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Purpose  
Storage of consent for documentation purposes.  

Data  
Name, email address, and affiliation with the company.  

Legal Basis  
GDPR Article 6(1)(f), as we pursue our legitimate interest in being able to document that consent has been obtained in accordance with the Marketing Act and the practices of the Danish Consumer Ombudsman.  

Storage Duration  
Consent is stored as long as it is used and for up to 2 years after it was last used, in order to document our compliance with the Marketing Act.  

Data Controller  
Howden Denmark A/S.  
CVR: 42248789  
Nørgaardsvej 30  
2800 Kongens Lyngby

Third Parties
The individual company in the group does not disclose personal data to third parties.

Exchange with Group Companies
The individual company in the group does not share personal data with other companies within the group.

Data Processors
The individual company in the group may entrust personal data to data processors who, among other things, host, develop, and provide support for IT systems. Such data processors may be other companies within the Howden Denmark group or external suppliers.

Purpose  
Recording of phone calls for the documentation of agreements made regarding mortgage advice.

Data  
Name, information about the customer relationship or potential customer relationship, and the content of the phone call.

Legal Basis  
The legal basis for the processing is GDPR Article 6(1)(f), as the processing is necessary for us to pursue our legitimate interest in acting quickly and documenting your consent, and because the content of the phone calls cannot be documented in any other way without significant practical difficulties.

Storage Duration  
Recorded phone calls are deleted no later than 3 months after the call.

Data Controller  
Howden Realkreditrådgivning ApS  
CVR: 27077048  
Nørgaardsvej 30  
2800 Kongens Lyngby

Third Parties  
The individual company in the group does not disclose personal data to third parties.

Exchange with Group Companies  
The individual company in the group does not share personal data with other companies within the group.

Data Processors  
The individual company in the group may entrust personal data to data processors who, among other things, host, develop, and provide support for IT systems. Such data processors may be other companies within the Howden Denmark group or external suppliers.

Purpose  
Compliance with obligations under anti-money laundering legislation (in relation to life insurance and other investment-related products).

Data  
Identification information, including name and CPR number, as well as information contained in identification documents (passport, driver’s license) received from the individual. Information about political affiliation (for politically exposed persons) and information about the spouse, registered partner, cohabitant, or parents and children, and their spouses, registered partners, or cohabitants (close relatives of politically exposed persons).

Legal Basis  
GDPR Article 6(1)(c), as we are obligated to process the information under Chapter 3 of the anti-money laundering legislation. We process the CPR number under the Data Protection Act § 11(2)(1), as we are obligated to process the CPR number under Chapter 3 of the anti-money laundering legislation. If information regarding political affiliation is processed, it is based on GDPR Article 9(2)(g), in conjunction with Article 6(1)(c), as we are obligated to process the information under Chapter 3 of the anti-money laundering legislation.

Storage Duration  
Personal data collected in connection with the implementation of mandatory KYC procedures will be deleted 5 years after the termination of the business relationship.

Data Controllers  
Howden Denmark A/S  
CVR: 42248789  
Nørgaardsvej 30  
2800 Kongens Lyngby

Howden Pensionsmægler ApS  
CVR: 35892974  
Nørgaardsvej 30  
2800 Kongens Lyngby

Howden Pensionsagentur A/S  
CVR: 31633869  
Vandmanden 10A  
9200 Aalborg SV  

Third Parties  
The individual company in the group discloses your personal data to public authorities when required by applicable law, including for example the Financial Supervisory Authority, or as a result of court orders or inquiries from the police or other authorities.

Exchange with Group Companies  
The individual company in the group does not share personal data with other companies within the group.

Data Processors  
The individual company in the group may entrust personal data to data processors who, among other things, host, develop, and provide support for IT systems. Such data processors may be other companies within the Howden Denmark group or external suppliers.

Purpose  
Processing of liability claims, including personal injury claims.

Data  
Name, address, email address, phone number, CPR number, health information, and details about the nature of the injury.

Legal Basis  
The legal basis for the processing is GDPR Article 6(1)(f), as the processing is necessary for us to handle the compensation claims filed against our clients. If it is necessary to process CPR numbers in personal injury cases, the basis for this processing is your consent pursuant to the Data Protection Act § 11(2)(2). If it is necessary to process health information in personal injury cases, we process health information based on consent pursuant to GDPR Article 9(2)(a), in conjunction with GDPR Article 6(1)(a).

Storage Duration  
The information will be deleted 5 years after the end of the financial year in which the insurance case is concluded.

Data Controller  
Howden Forsikringsmægler A/S  
CVR: 34890285  
Dokken 10  
6700 Esbjerg  

Third Parties  
The individual company in the group may disclose your personal data to insurance and pension companies in connection with the establishment, modification, administration, and termination of insurance and pension relationships, as well as in connection with assistance in claims and other insurance and pension-related events. In such cases, you will receive specific information about which insurance and pension companies are involved in relation to the agreements you have entered into with the individual company or discussions the company has had with you. The individual company in the group may disclose your personal data to public authorities when required by applicable law, or as a result of court orders or inquiries from the police or other authorities. Additionally, the individual company may disclose information to the Danish Labour Market Insurance (AES) and the Danish National Social Appeals Board (Ankestyrelsen).

Exchange with Group Companies  
The individual company in the group does not share personal data with other companies within the group.

Data Processors  
The individual company in the group may entrust personal data to data processors who, among other things, host, develop, and provide support for IT systems. Such data processors may be other companies within the Howden Denmark group or external suppliers.

Purpose  
Advising clients' employees on pension solutions, pension savings, and insurance (health insurance, dental insurance, disability insurance, etc.).

Data  
Name, email address, phone number, job title, company name, CPR number, salary information, information about pension solution choices and life insurance. In some cases, health information, including any details about loss of earning capacity, is processed for the purpose of advising on the establishment of insurance and pension agreements.

Legal Basis  
The legal basis for the processing is GDPR Article 6(1)(f), as we pursue our legitimate interest in providing advice on pension solutions. The legal basis for processing the CPR number is the Data Protection Act § 11(2)(2). Health information is processed based on consent pursuant to GDPR Article 9(2)(a), in conjunction with GDPR Article 6(1)(a).

Storage Duration  
Information about the client’s employees is generally deleted 3 years after the end of the financial year in which the relationship with the client ended.

Data Controller  
Howden Pensionsagentur A/S  
CVR: 31633869  
Vandmanden 10A  
9200 Aalborg SV

Third Parties  
The individual company in the group may disclose your personal data to insurance and pension companies in connection with the establishment, modification, administration, and termination of insurance and pension relationships, as well as in connection with assistance in claims and other insurance and pension-related events. In such cases, you will receive specific information about which insurance and pension companies are involved in relation to the agreements you have entered into with the individual company or discussions the company has had with you. The individual company in the group may disclose your personal data to public authorities when required by applicable law or as a result of court orders or inquiries from the police or other authorities.

Exchange with Group Companies  
The individual company in the group does not share personal data with other companies within the group.

Data Processors  
The individual company in the group may entrust personal data to data processors who, among other things, host, develop, and provide support for IT systems. Such data processors may be other companies within the Howden Denmark group or external suppliers.