Privacy Policy

Note: The Privacy Policy for saasconsultores.mx is governed by Mexican law. The English translation is provided as a courtesy. Sáas Consultores makes no warranties regarding the accuracy of the translation.

Sáas Consultores, Agente de Seguros y de Fianzas, S.A. de C.V. is a service provider offering a wide range of risk, retirement, and health solutions. Sáas Consultores is committed to protecting your privacy. This commitment reflects the value Sáas Consultores places on acquiring and maintaining the trust of its clients, business partners, and anyone who shares their personal data with us.

What is the purpose of this Privacy Policy?

This Privacy Policy (hereinafter the “Policy”) explains the practices regarding data processing. This Policy applies to all personal data you provide to Sáas Consultores, as well as any personal data collected from other sources. This Policy pertains to our practices and your rights regarding your personal data. This Policy is not a contract and does not grant any rights or impose obligations beyond those already established by data protection laws.

This Policy does not apply to your use of third-party websites linked to this site.

Who is responsible for your data?

Throughout this Policy, “Sáas Consultores” refers to Sáas Consultores, Agente de Seguros y de Fianzas, S.A. de C.V. The entity responsible for your personal data (and the one responsible under personal data protection laws) will be the member of Sáas Consultores that initially collects data from you. This may also be explained in separate Privacy Policies provided when that entity first collects your personal data, such as when you or the company you work for hires us for a service.

Sáas Consultores provides some services as a data processor, which means that the client remains the main responsible party for the data. In such cases, we may redirect inquiries regarding our use of your data to our client.

Quick overview

Sáas Consultores collects personal data from its clients (regarding the clients and their employees) to provide services related to risks, such as insurance brokerage, risk management consulting, employee benefits, and pension administration. Sáas Consultores also collects personal data directly through its websites and applications. Sáas Consultores uses the personal data to provide services to its clients. For internal purposes, we also use the data to analyze and improve how we provide these services and to contact potential or current clients. Should Sáas Consultores use your personal data, you have certain important rights that you can exercise. The rights you can exercise will depend on how and why we use your data. The main contact point in Sáas Consultores for questions regarding your personal data is the email contacto@saasconsultores.com.

When and how do we collect your data?

Sáas Consultores collects your personal data in the following ways:

When providing services to our clients. Our products and services include insurance brokerage, claims management, risk management consulting, and other insurance services (including underwriting insurance and reinsurance products), employee benefits programs management, and investment advisory services. In these cases, our clients (or advisors or service providers acting on behalf of our clients) will generally provide us with your personal data or, in some cases, our clients may ask us to contact you directly. We may also need to obtain data from third parties such as insurance companies, intermediaries or insurance agents, credit institutions, vehicle licensing and driving authorities, financial institutions, medical professionals, and publicly available sources.
When you request any of our services. For example, if you request insurance quotes on your behalf or contact us as a representative of your employer to request information related to a professional service you would like us to offer your company.
When you register or use any of our websites or applications.
When attending any Sáas Consultores event. You may provide such data directly or through your employer or colleagues.
When you apply for a job at Sáas Consultores. You may provide such data directly (through an online recruitment portal, career website, or by correspondence) or through an agency.
When you contact us with a complaint or inquiry.
When interacting with us on social media.

What data do we collect?

Data you provide us

When you request a service, we ask you to provide accurate and necessary data to respond to your request. When a visitor provides us with personal data, we use it for the purposes for which it was provided, as outlined at the point it was collected or based on the obvious interpretation according to the context in which it was collected, for example, to provide an insurance quote, to apply for a job at Sáas Consultores, or to create a profile on a website or app.

Data we collect from our clients or third parties

We may collect personal data such as your name, contact details, date of birth, gender, marital status, financial and employment information, and benefits coverage when providing services to our clients. Additionally, we may collect (as relevant for the services provided) sensitive data about you, such as criminal convictions or medical information in relation to life, medical, professional liability, and workplace accident insurance, or employee benefits programs sponsored by your employer. Most of the personal data we receive is related to your participation in the compensation and benefits programs offered by your employer.

Further details about the personal data we collect for each of our services, along with the purpose and legal basis for its collection, will be provided in separate privacy policies relevant to the services concerned.

We will not collect sensitive data through our website unless necessary. Sensitive data includes information about racial or ethnic origin, political opinions, religious or other similar beliefs, union membership, physical or mental health, sexual life, or criminal records. We suggest not providing such sensitive data unless specifically requested.

If you provide sensitive data, you understand and give your explicit consent for us to collect, use, and disclose such data to the relevant third parties for the purposes described in this Statement. If you provide personal data about others, such as your employees or dependents, you must obtain their consent before disclosing such data to us.

Data we collect on Sáas Consultores websites, mobile applications, and social media

For the purposes of this Statement, “website” includes all our mobile applications. We may ask you for all or some of the following types of data when registering for events, requesting services, managing accounts, accessing content and various features, or visiting our websites directly. This includes, but is not limited to:

Contact data such as name, email address, postal address, phone number, mobile number;
Username, password, password recovery questions and answers;
Communication preferences such as newsletters you’d like to receive;
Search queries;
Contact details of others when you refer a friend to a site or service (note: this data is only used to facilitate the requested communication); and
Data posted on community forums and other interactive online features.

In some cases, we automatically collect certain types of data when you visit our websites or exchange emails with us. These technologies may include server logs to collect IP addresses, cookies, and web beacons. More information about our use of cookies can be found in our Cookie Policy.

Social media

You may interact with us via social media websites or features such as plugins or applications integrated into social media sites. You can also link your account with us and third-party social media sites. When you link your account to interact with us through social media sites, third-party plugins, or applications, you may allow us ongoing access to certain data from your social media account (for example, name, email address, photos, gender, birthday, posts, or “likes”).

If you post data while interacting with our websites through social media sites, plugins, or other applications, depending on your privacy settings, such data may become publicly available on the internet. You can control the data you share by adjusting privacy settings available on some social media sites. For more information on how to customize your privacy settings and how social media sites handle your personal data, please refer to their privacy guides, privacy policies, and terms of use.

Mobile devices

If you access our websites via mobile phone or device, we may also collect your unique device identifier, mobile IP address, operating system data, mobile service provider, and location data. We may also ask for your consent to provide your mobile number (for example, to send you automatic notifications).

How do we use your personal data?

Below are the purposes for which we use personal data. More information about the personal data collected for each of our services, along with the purpose and legal basis for its collection, will be provided in separate Privacy Statements or Policies relevant to the services you are concerned with.

For the provision of services to our clients

We process personal data provided by our clients to offer our professional consulting and risk-based advisory services. This may concern you, for example, if you are an employee of our client or a member of one of our client’s pension schemes. The precise purposes for processing your data will be determined based on the scope and specifications of our contract with the client, in accordance with applicable laws, regulatory guidelines, and professional standards. It is the responsibility of our clients to ensure you understand that your personal data will be disclosed to Sáas Consultores.

For managing our client contracts

We process personal data related to our clients and each of their representatives in order to:

Conduct “Know Your Client” policy checks and carry out pre-contract investigations.
Communicate with the client, provide services, issue invoices, and manage administration.
Address client complaints.
Manage claims.

For contacting and marketing to our clients and potential clients

We process personal data related to our clients and each of their representatives in order to:

Contact our clients regarding current, future, or proposed contracts.
Send newsletters, specialized knowledge, promotional materials, and other marketing communications to our clients.
Invite clients to events (and schedule and manage those events).

For conducting data analysis

Sáas Consultores is an innovative company that relies on the development of sophisticated products and services based on our experience with previous contracts. Sáas Consultores is not involved in the analysis of identifiable individuals, and we take steps to ensure that your rights and the legitimacy of Sáas Consultores’ activities are safeguarded through the use of aggregated or anonymized data.

Other uses

Provide the data and services you request.
Determine suitability and process requests for products and services.
Provide the data and services requested by clients.
Understand and assess the current needs of our clients and offer products and services to meet those needs.
Conduct data analysis.
Obtain and update credit information with third parties, such as credit reporting agencies, when credit operations are carried out.
Provide follow-up and training.
Develop new services.
Promote products and services (subject to appropriate consent).
Perform necessary actions to comply with other contractual obligations with the relevant person.

If we intend to use your personal data for a purpose not compatible with the purpose for which it was originally collected, we will seek your consent. In all cases, we balance our legal use of your personal data with our legitimate interests, rights, and freedoms, in accordance with applicable laws and provisions to ensure your personal data is not subject to unnecessary risks.

Legal basis

All processing (i.e., use) of your personal data is justified by a “legal basis” for processing. In most cases, the processing will be justified on the grounds that:

It is necessary to fulfill a contract to which you are a party or to take necessary steps (at your request) towards the conclusion of a contract (for example, to help an employer comply with labor-related obligations in relation to benefits);
The processing is necessary for us to comply with a legal obligation (for example, when we are required to collect certain data about our clients for tax or accounting purposes, or when we are required to disclose data to courts or authorities);
The processing is in the favor of our legitimate commercial interests, subject to your interests and fundamental rights (for example, when we use the personal data our clients provide us to offer our services, and such processing is not necessary for a contract you are part of).

In a few circumstances, we will use your consent as the basis for processing your personal data, for example, when we are required to obtain your prior consent to send you promotional communications.

Before collecting and/or using any special categories of data or criminal record data, we will establish lawful exceptions that allow us to use such data. These exceptions are generally:

Your explicit consent;
The presentation, exercise, or defense of legal claims on our behalf or third parties;
A specific exception under local legislation in EU Member States or other countries where the General Data Protection Regulation (GDPR) is implemented, such as in relation to special category data for insurance or determining benefits in a pension scheme.

Do we need to collect data from minors?

Our websites are not directed at children, and we do not intentionally collect personal data from children on them. Children are prohibited from using our websites.

How long do we retain your personal data?

The period for which we retain your personal data depends on the purpose for which the data was collected and its nature. We will keep your personal data for as long as necessary to fulfill the purposes described in this Statement, unless the law permits a longer period, in accordance with Sáas Consultores’ Record Retention Policy.

In certain specific circumstances, we may store your personal data for longer periods, so we have an accurate record of your interactions with us in case of claims, inquiries, or if we consider that there might be litigation related to your personal data or business.

Do we disclose your personal data?

Within Sáas Consultores

We may share your personal data with other entities, brands, divisions, and subsidiaries of Sáas Consultores to provide services to you, including carrying out previously listed activities.

We do not rent, sell, or otherwise disclose personal data about our online visitors to third parties for commercial purposes. We only share your personal data with third parties in the circumstances described below.

Business partners

We disclose your personal data to business partners who provide certain specialized services or collaborate with us on projects. These business partners operate as independent data controllers and are responsible for their own compliance with data protection laws. For more information about their practices, please refer to their Privacy Statements or Policies.

Examples include:

Banking and financial products – credit information agencies, fraud agencies, debt collection agencies, insurers, reinsurers, and financial planning organizations for investment products and fiduciary or custody services in which you invest.
Insurance intermediation and insurance products – insurers, reinsurers, other insurance intermediaries, insurance reference bureaus, medical service providers, fraud detection agencies, or advisors such as loss adjusters, lawyers, accountants, and others involved in the claims handling process.

Authorized service providers

We may disclose your data to service providers we have contracted (as data processors) to provide services on our behalf (either related to services provided to our clients or related to the data Sáas Consultores uses for its own purposes, such as marketing). These service providers are prohibited from using or disclosing the data by contract, unless necessary for the provision of services on our behalf or to comply with legal requirements. Such activities may include any of the processing activities we conduct as described in the section “How do we use your personal data?”.

Examples include:

IT service providers who manage and support our computer systems and telecommunications networks;
Advertising automation service providers; and
Contact center service providers.

These third parties appropriately safeguard your data, and their activities are limited to the purposes for which the data was provided.

Legal requirements and business transfers

We may disclose your personal data (i) if required by law; during legal proceedings; by statute, regulation, or professional standard; or in response to a subpoena, search warrant, or other legal request; (ii) to law enforcement authorities or other government officials’ requests, (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss, (iv) in relation to investigations of illegal activities or alleged illegal activities, or (v) if Sáas Consultores is subject to a merger or acquisition, to the owner of the business. Your disclosure may also be necessary for company audits or to investigate a claim or security threat.

Do we have security measures to protect your data?

The security of your personal data is important to us, and Sáas Consultores has implemented physical, technical, and administrative security standards to protect personal data from loss, misuse, alteration, or destruction. We protect your personal data from unauthorized access, use, or disclosure using security technologies and procedures such as encryption and restricted access. Only authorized personnel can access your personal data, and they are trained on the importance of data protection.

Our service providers and agents are contractually bound to maintain the confidentiality of personal data and may not use it for any purpose not authorized.

What choices do you have regarding your personal data?

We offer certain choices about how we communicate with our clients and what personal data we collect from them and share with others. When you provide us with personal details, if we intend to use them for marketing purposes, we will offer you the option to choose whether you want to receive promotional emails, text messages, phone calls, or postal mail from us. You can always opt out of receiving interest-based advertising from us by contacting us.

You can also choose not to receive marketing communications from us by clicking the unsubscribe link or following other instructions in our marketing emails.

How can you update your communication preferences?

We take the necessary steps to provide you with information about your data. You can update your communication preferences in the following ways:

Profile

If you have created a profile or account on any of our websites, you can update your contact details after logging into your account.

Newsletters

If you request electronic communications, such as email newsletters, you can unsubscribe at any time by following the instructions provided in those communications.

Mobile Devices

If you previously chose to receive automatic notifications on your mobile device but no longer wish to receive them, you can manage your preferences through your device’s settings or the app. If you no longer want the mobile app to collect data, you can uninstall the app by following the uninstallation process available on your device.

You can contact us by email or at the postal address provided below. Please include your current contact details, the information you wish to access, and the changes you request.

If we do not grant access, we will explain the reason for the refusal and inform you of the exceptions we rely on.

Other rights related to your data

Subject to certain exemptions and depending on the processing activity, you may have rights regarding your personal data. We may ask for additional data to confirm your identity and for security purposes before disclosing the requested personal data. We reserve the right to charge fees when permitted by law, such as when your requests are manifestly unfounded or excessive.

You may exercise your rights by contacting us. Subject to some legal considerations, we will make every effort to comply with your request in a timely manner or inform you if additional information is required to fulfill your request.

We may not always be able to comply with your request, such as if doing so would impact our confidentiality obligations to others or if we have a legal right to process your request differently.

Right of access

You have the right to access the personal data Sáas Consultores holds about you. If you have created a profile, you can access this data by visiting your account.

Right of rectification

You have the right to request correction of your personal data if it is inaccurate or outdated.

Right to be forgotten (right of deletion)

Under certain circumstances, you have the right to request the deletion of your personal data. Your data can only be deleted if it is no longer necessary for the purposes for which it was collected, and if we no longer have a legal basis for processing it.

Right to restrict processing

You have the right to restrict the processing of your personal data only when:

• its accuracy is in doubt, allowing us to verify it; or

• its processing is unlawful, but you do not wish for it to be deleted; or

• it is no longer necessary for the purposes for which it was collected, but we still need it to establish, exercise, or defend legal claims; or

• you have exercised the right to object, and verification of grounds is pending.

Right to data portability

You have the right to data portability, which requires us to provide personal data to you or another data controller in commonly used or machine-readable formats, but only when the processing of such data is based on (i) your consent or (ii) the performance of a contract you are a part of.

Right to object to processing

You have the right to object to the processing of your personal data at any time, but only when the processing is based on our legitimate interests. If you file an objection, we will have the opportunity to demonstrate that we have compelling legitimate interests that override your rights and freedoms.

Right to reject automated decision-making

You have the right not to be subject to decisions solely based on automated processing, which have legal or significant effects on you, unless they (i) are necessary for a contract you are a part of; (ii) are authorized by law; or (iii) are based on your explicit consent.

Even when such decisions are permitted, you may object and request Sáas Consultores to exercise human intervention.

Currently, we do not use automated decision-making (including profiling) for processing your personal data. If we were to use automated decision-making in the future, you would have the right to request that decisions not based solely on your personal data are not made using an automated process.

If you have any questions, would like more information about our privacy practices and data processing, wish to unsubscribe, withdraw consent, or file a complaint regarding a violation of the law or this Statement, please contact us at contacto@saasconsultores.com. Alternatively, you have the right to contact your local Data Protection Authority.

Changes to this Statement

This Statement may be updated. If so, we will publish the current version on this site and review the date of the version located at the bottom of this page.

We suggest periodically reviewing this Statement to stay informed about our privacy practices.

This Statement was last updated on December 15, 2024.

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