Privacy and personal data protection policy

General information

Universalna Insurance Company (hereinafter referred to as the Company), recognizing the importance of ensuring the confidentiality and inviolability of the Personal Data of individuals, enters into a Confidentiality Agreement (hereinafter referred to as the “Agreement”) with you (hereinafter referred to as the “Agreement”). determination of the procedure for obtaining, storing, processing, using and disclosing the Company's Personal Data when using the Company's Services and the Internet site (hereinafter referred to as the "Site").

The Company respects the confidential (personal) information of all, without exception, persons who have visited the Site, as well as those who use the services provided by the Site; therefore, the Company strives to protect the confidentiality of personal data (information or a set of information about an individual who is identified or can be specifically identified), thereby creating and providing the most comfortable conditions for using the services of the Site to each user.

To use the Site and Services, the Participant is obliged to accept the terms of this Agreement. The Participant has no right to use the Site and the services provided by the Site (hereinafter - the Services), in case of disagreement with the terms of this Agreement.

To update, access, change, block or delete your personal data, withdraw consent to the processing of personal data provided by you to the Company in accordance with this Agreement, or in the event of any comments, wishes or claims regarding your personal data, which are processed by the Company, please contact the Company: by e-mail: or write a letter to the address: 01133, Kyiv, Blvd. Lesya Ukrainka, 9.


Personal data - information about a particular Participant, which allows to identify this Participant as an individual.

Public data - information (including personal data) to which an individual - the owner of this data, provided access to an unlimited number of persons (including by publishing on any website without restricting access to this data) or on which in accordance with this Agreement and / or current legislation of Ukraine is not subject to the requirement of confidentiality.

Account - a set of information about the Participant, which contains the authorization data of the Participant (login and password), necessary to identify the Participant when using the Site and Services.

Cookie - a piece of data created by the Site and stored on the Member's computer in the form of one or more files. Cookies do not contain Personal Data and may be blocked by the Member at any time.

1. Subject of the agreement

1.1. This Agreement specifies the procedure for obtaining, storing, processing, using and disclosing Personal, Public and other data provided to the Company by the Member when using the Site and Services.
1.2. By using any part of the Site and the Service, the Participant grants the Company the right to receive, store, process, use and disclose the Personal Data of the Participant under the terms of this Agreement.
1.3. This Agreement does not regulate, and the Company is not responsible for the receipt, storage, processing, use and disclosure of Personal Data of the Participant by third parties and companies not owned or operated by the Company, and individuals who are not employees of the Company, even if the Participant has accessed the sites, software, goods or services of these persons through the Site.
1.4. The purpose of obtaining, storing, processing and using Personal, Public and other data of the Participant is to protect the interests of the Participant and the Site, as well as provide the Participant with Services, including targeted, personalized or general information, improving existing and creating new sites and services provided by the Site.

1.5. Your personal data is used to ensure the provision of Internet services of the Site, exchange of information / news, relations in the field of advertising and communication in accordance with and in accordance with the laws of Ukraine, including but not limited to: "On personal data protection" ratification of the Convention for the Protection of Individuals with regard to Automatic Processing of Personal Data and the Additional Protocol to the Convention for the Protection of Individuals with regard to Automatic Processing of Personal Data concerning Supervisors and Cross-Border Data Flows », « About Information » "On Advertising", "On Information Protection in Information and Telecommunication Systems".

2. Receiving, processing and using information

2.1. When creating an Account, the Participant must provide authorization data, as well as name, surname, e-mail address and other data. After the User creates and uses the Account, the Company gets the opportunity to identify the Member each time he uses the Site.
2.2. The Company has the right to download cookies to the Participants' computers (unless the Participant has restricted this possibility in its web browser), as well as to receive, store, process and use the information contained in the Cookies.
2.3. When the Participant uses the Site and Services of the equipment on which the Site is located, the Site automatically stores, processes and uses non-Personal data of the Member, for example: IP-address of the Member, data on the location of the Member , technical parameters of the Participant 's computer, presence or absence of specific software in the Participant' s computer, settings of this software, Cookies, as well as statistical information about the Participant 's activity.
2.4. The Company has the right to store Personal, Public and other data of the Participant in the amount and within the time necessary to achieve the purpose specified in this Agreement, or within the time limits established by current legislation of Ukraine, international law or the law of residence or stay of the Participant. the moment of deletion of this data by the Participant.
2.5. In the event of a change in Personal Data, the Participant must provide the Company with updated data by making appropriate changes to the Account on the Site. In the event that the Participant fails to comply with this requirement, the Company shall not be liable for any adverse consequences related to the processing of such Personal Data.

2.6. The owner and administrator of personal data of users of the Site is PJSC SK Universalna.

2.7. The company collects only personal data (for example, your name and surname, login and password, e-mail address, contact phone number, date of birth, gender, etc.), which are knowingly and voluntarily provided by you as a subject personal data for the purpose of using the services of the Site, which in accordance with the requirements of the law is the consent of the subject of personal data to the processing of their personal data in accordance with the purpose of their processing stated in this Policy.

2.8. The Company does not collect any information that is required by law to be subject to certain requirements, such as information about racial or ethnic origin, political, religious or ideological beliefs, membership in political parties or trade unions, criminal convictions or criminal offenses. conviction to criminal punishment, as well as data related to health, sexual life, biometric or genetic data (in accordance with Article 7 of the Law of Ukraine "On Personal Data Protection").

2.9. The company collects data on statistics of visits to the Site. The information may include information about the connection, traffic, the user's browser, as well as the date, time, duration of work on the Internet and stay on the Site.

2.9. Processing and storage of personal data is carried out in data centers, which houses the equipment that ensures the functioning of the services of the Site. The provided personal data is processed and can be stored in the Personal Database or a separate table of the Site Database.

3. Access to information

3.1. The Company undertakes not to provide Personal Data to third parties for commercial purposes without the consent of the Participant to whom this data belongs. Transfer of Personal Data to third parties is allowed in the following cases:

  • - after obtaining the consent of the Participant to whom this information belongs;

  • - if necessary, the transfer of Personal Data in order to fulfill the order or request of the Participant;

  • - upon substantiated requests of state bodies that have the right to receive such data;

  • - in the event that, in the opinion of the Company, the Participant violates the terms of this Agreement and / or other agreements and arrangements between the Organization and the Participant.

3.2. The Participant allows the Company to grant permission to other companies with which the Company has entered into relevant agreements to receive, store and process information about the Member (other than Personal Data), such as the Member's IP address, cookies and statistics on the Member's activities. these companies services and information of an advertising nature.
3.3. The Participant agrees that the confidentiality of data transmitted over the Internet is not guaranteed and if access to this data is obtained by third parties outside the area of technical means of communication under the Company's control, the Company shall not be liable for damages caused by such access.
3.4. The Participant has the right to request, change or delete his Personal Data available to the Company. To do this, the Participant must make a request by sending it to the contact address of the Company listed on the Site, unless another independent method of requesting, changing or deleting Personal Data is not provided by the technical capabilities of the Site.
3.5. Some services of the Site provide for making and / or receiving payments by the Participant through third-party payment systems that are not subordinated to the Company and have their own terms of use and privacy policy.

3.6. The user has the right to receive any information about himself from any subject of relations related to personal data, provided that the surname, name and patronymic, place of residence (location ) and details of the document certifying the individual who submits the request, except as provided by law. The user has access to personal data free of charge.

4. Additional conditions

4.1. The Company has the right to make changes to this Privacy Agreement. All changes to the Agreement will be available as a new version of the Agreement, at In the event of significant changes to the Agreement, the Company will additionally notify the Participant of these changes by e-mail, which is specified in the Participant's Account. All amendments to the Agreement shall enter into force upon their publication. By using the Services or the Site, the Participant confirms its agreement with the new terms of the Agreement in the version in force at the time of use by the Participant of the Services and / or the Site.
4.2. The Company shall not be liable for any damage or loss incurred by the Participant or third parties as a result of misunderstanding or misunderstanding of the terms of this Agreement, instructions or guidelines on the use of the Site, data placement and other technical issues. Until the terms of this Agreement are accepted, any Participant has the right to apply to the Company for clarification of the provisions of the Agreement.
4.3. In the event that any part of this Agreement is declared invalid or unenforced, the remaining parts of the Agreement shall remain in full force and effect. The waiver by either party of any provision or condition of this Agreement or any breach thereof shall not invalidate this provision or condition.
4.4. The legislation of Ukraine shall apply to this Agreement and to the relations between the Organization and the Participant arising in connection with the use of the Site. Each party unequivocally agrees that the relevant courts of Ukraine have exclusive jurisdiction over any claims, disputes or disagreements concerning the Agreement and the use of the Site.

5. Rights of the subject of personal data

The Company hereby informs that the Participant, as a subject of personal data, has the rights provided by the Law of Ukraine " On Personal Data Protection ", namely:
1) know about the sources of collection, location of personal data, the purpose of their processing, location or place of residence (stay) of the owner or controller of personal data or give appropriate instructions to obtain this information to authorized persons, except as provided by law;
2) receive information on the conditions for granting access to personal data, in particular information on third parties to whom his personal data is transferred;
3) to access their personal data;
4) receive no later than thirty calendar days from the date of receipt of the request, except as provided by law, an answer as to whether his personal data are processed, as well as receive the content of such personal data;
5) make a reasoned request to the owner of personal data with an objection to the processing of their personal data;
6) submit a reasoned request to change or destroy their personal data by any owner and controller of personal data, if this data is processed illegally or is inaccurate;
7) to protect their personal data from unlawful processing and accidental loss, destruction, damage due to intentional concealment, failure to provide or untimely provision, and to protect against the provision of information that is inaccurate or tarnishes honor, dignity and business reputation natural person;
8) to complain about the processing of their personal data to the Commissioner or to the court;
9) apply legal remedies in case of violation of the legislation on personal data protection;
10) make reservations about the restriction of the right to process their personal data during the consent;
11) withdraw consent to the processing of personal data;
12) know the mechanism of automatic processing of personal data;
13) to protect against an automated decision that has legal consequences for him.

6. Use of cookies

6.1. The Company cares about its users and tries to make their stay on the Site as comfortable as possible, for this the Company needs to use cookies to analyze the behavior, preferences and interests of the user. This analysis will help the Company to improve the experience of interaction with the Site, determine the most user-friendly interface and navigation of the Service.

6.2. Cookies can be perpetual (they are called persistent cookies) and stored on the computer until the user deletes them or temporary (such cookies are called session cookies), ie stored only until the browser is closed. In addition, cookies are divided into primary (they are set directly by the site visited) and third-party (installed by other websites).

6.3. Important: 1) when the user visits the Site again, the cookie data is updated; 2) in most cases, the default web browser allows automatic storage of cookies on the user's device; 3) disabling cookies may lead to restrictions on access to published materials and / or malfunctioning services of the Site.

6.4. If the user does not enable the use of cookies or intentionally deletes all cookies from his web browser, then the next time you visit the Site, the user will be re-invited to enable and use cookies.

6.5. Information about users obtained through cookies is not sold or distributed in the public domain, and is owned by the company that owns the resource.

7. Protection of personal data

7.1. The company uses generally accepted standards of technological and operational protection of information and personal data against loss, misuse, alteration or destruction. However, despite all efforts, the Company cannot guarantee absolute protection against any threats arising outside the Company's regulations.

7.2. The Company ensures that all relevant confidentiality and technical and organizational security measures are in place to prevent unauthorized or unlawful disclosure or processing of such information and data, accidental loss, destruction or damage.

7.3. Dissemination of personal data without the consent of the data subject or his or her authorized person is permitted in cases specified by law and only (if necessary) in the interests of national security, economic well-being and human rights.

7.4. Information about the activity (traffic) on the Site of users who go through the network or e-mail of the user is protected in accordance with the law. That is, the Company in no way or in any way violates the secrecy of & quot; activity & quot; user when using the latest services of the Site.

Privacy and data protection policy

8. Interaction of the Site with other resources

8.1. When the user uses the services, the pages of the Site may contain codes of other Internet resources and third parties, as a result of which such Internet resources and third parties receive your data. Therefore, these online resources may receive and process information that you have visited these pages, as well as other information transmitted by the user's browser. Such Internet resources can be: banner display systems (for example, DoubleClick for Publishers, Admixer, AdRiver, etc.); social network plugins (e.g. Discus, Facebook, Twitter, Google+).

8.2. The use of these services of the Company is necessary for the operational analysis of visits to the Site, internal and external assessment of site traffic, depth of views, user activity. The Company does not store or process data received from these services. Accordingly, if the user for any reason does not want these services to access his personal data, the user can voluntarily log out of your account or profile, clear cookies (through your browser).

8.3. The Website may contain links to other websites (for informational purposes only). If you link to other websites, this Policy will not apply to such sites. In this regard, the Company recommends that you review the privacy and personal data policies of each website before transmitting any personally identifiable information.