{"id":3966,"date":"2025-08-24T15:17:44","date_gmt":"2025-08-24T13:17:44","guid":{"rendered":"https:\/\/bromar.me\/?page_id=3966"},"modified":"2025-08-27T02:01:30","modified_gmt":"2025-08-27T00:01:30","slug":"personal-data-protection","status":"publish","type":"page","link":"https:\/\/bromar.me\/en\/personal-data-protection\/","title":{"rendered":"Personal Data Protection"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3966\" class=\"elementor elementor-3966 elementor-2789\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b2e698b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b2e698b\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-235cabe\" data-id=\"235cabe\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8dc2ded elementor-section-content-middle elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8dc2ded\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-745ac46\" data-id=\"745ac46\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ca72ca8 elementor-widget elementor-widget-text-editor\" data-id=\"ca72ca8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 23-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Bromar provides consistent support throughout your insurance journey, offering help with claims and expert advice whenever your health or financial status changes.<\/p><p>Personal Data Protection in accordance with the General Data Protection Regulation (GDPR)<\/p><p>Information on\u00a0 Personal Data Processing is provided in accordance\u00a0 with the Law on Personal Data Protection (\u201cOfficial Gazette of Montenegro\u201d, No. 079\/08 of 23.12.2008, 070\/09 of 21.10.2009, 044\/12 of 09.08.2012, 022\/17 of 03.04.2017)<\/p><p>Pursuant to the Law on Personal Data Protection (\u201cOfficial Gazette of Montenegro\u201d, No. 022\/17), Bromar Insurance Brokerage Company, located at Marka Radovi\u0107a 175, Podgorica (hereinafter: the Company), hereby sets out the following information on the processing of personal data.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0dbb45f elementor-widget elementor-widget-heading\" data-id=\"0dbb45f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 23-07-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h5 class=\"elementor-heading-title elementor-size-default\">Handling of Policyholder and Insured Parties\u2019 Personal Data<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2171703 elementor-widget elementor-widget-text-editor\" data-id=\"2171703\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Personal data is obtained directly from the policyholder or insured party whether an individual or a legal entity based on their consent. This takes place during the brokerage\u2019s activities aimed at securing insurance or reinsurance terms, in accordance with legal requirements, for the purpose of entering into an insurance contract. Additionally, such data may be collected throughout the validity of the insurance agreement, or upon subsequent request from the chosen insurer or reinsurer, if further documentation is needed either to obtain insurance terms or to manage an existing insurance contract during its duration.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-157456c elementor-widget elementor-widget-heading\" data-id=\"157456c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Purpose of Processing, Legal Grounds, and Data Retention<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd0eba8 elementor-widget elementor-widget-text-editor\" data-id=\"bd0eba8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The Company processes all personal data of policyholders and insured parties to facilitate the procurement of insurance or reinsurance terms, where required by law, and to support the conclusion of insurance contracts. Such processing is carried out exclusively within the scope of the Company\u2019s licensed business activities. Personal data collected for these purposes is stored, in accordance with legal requirements, for the entire duration of any insurance contract in which the Company has acted as an intermediary.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a2746a elementor-widget elementor-widget-heading\" data-id=\"4a2746a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Compliance with Anti Money Laundering and Counter Terrorism Financing Legislation<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd44c6a elementor-widget elementor-widget-text-editor\" data-id=\"cd44c6a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>In accordance with its obligations under the Law on the Prevention of Money Laundering and Terrorist Financing, the Company processes personal data relating to policyholders, insured parties, insurance beneficiaries, authorized representatives, legal guardians, and, in the case of corporate clients, ultimate beneficial owners. This data processing is carried out exclusively for the purpose of fulfilling statutory requirements.<\/p><p>Personal data collected for these compliance purposes is retained in line with all applicable legal and regulatory provisions.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9a7506 elementor-widget elementor-widget-heading\" data-id=\"d9a7506\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Data Access and Disclosure<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66034ca elementor-widget elementor-widget-text-editor\" data-id=\"66034ca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Access to personal data is restricted to employees whose roles require such information, as well as to insurers and reinsurers, as necessary for the Company to fulfill its registered insurance brokerage activities and to facilitate the arrangement and administration of insurance contracts. Furthermore, personal data may be shared with third parties who are legally authorized to access such information under applicable law.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d446523 elementor-widget elementor-widget-heading\" data-id=\"d446523\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Data Security<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-047ffd8 elementor-widget elementor-widget-text-editor\" data-id=\"047ffd8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>All personal data processed by the Company is treated as strictly confidential and is protected as a business secret, whether stored electronically or in physical form. Robust technical and organizational measures are implemented in accordance with applicable laws and the Company\u2019s internal policies. All data is stored on secure workstations located within the Company\u2019s premises. Access is controlled and limited to authorized personnel via a shared drive with restricted permissions.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a1b9f3 elementor-widget elementor-widget-heading\" data-id=\"1a1b9f3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Data Protection Rights<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60874b9 elementor-widget elementor-widget-text-editor\" data-id=\"60874b9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Policyholders and insured parties are entitled to exercise all rights granted under applicable data protection legislation. These rights include: the right to access personal data, request rectification, completion, or erasure of data, the right to restrict processing, the right to object to processing, and the right to data portability.<\/p><p>The Company may charge a reasonable fee to cover necessary costs for producing additional copies of personal data requested by the policyholder or insured party . If a request is made for copies to be provided electronically, the information will be delivered in a commonly used electronic format, unless the policyholder or insured party requests otherwise.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9e709d elementor-widget elementor-widget-heading\" data-id=\"c9e709d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Contact Information\n\n\n<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a5753d elementor-widget elementor-widget-text-editor\" data-id=\"8a5753d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you have any questions regarding your rights related to the processing of personal data, or if you wish to report a potential or actual breach of data protection rights, please contact us in writing using one of the following methods:<\/p><p>E-po\u0161tom: <a href=\"mailto:info@bromar.me\">info@bromar.me<\/a><\/p><p>Email: info@bromar.me<\/p><p>Postal Address:<\/p><p>Bromar Insurance Brokerage LLC<\/p><p>Marka Radovi\u0107a 175<\/p><p>81000 Podgorica<\/p><p>Montenegro<\/p><p>Podgorica, April 2023<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b175567 elementor-align-left elementor-list-item-link-inline elementor-icon-list--layout-traditional elementor-widget elementor-widget-icon-list\" data-id=\"b175567\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/bromar.me\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-list.min.css\">\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/bromar.me\/wp-content\/uploads\/Zastita-podataka-o-licnosti.pdf\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-file-pdf\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Za\u0161tita podataka o li\u010dnosti \/ \u201cGDPR\u201d<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Bromar provides consistent support throughout your insurance journey, offering help with claims and expert advice whenever your health or financial status changes. Personal Data Protection in accordance with the General Data Protection Regulation (GDPR) Information on\u00a0 Personal Data Processing is provided in accordance\u00a0 with the Law on Personal Data Protection (\u201cOfficial Gazette of Montenegro\u201d, No. [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"class_list":["post-3966","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/bromar.me\/en\/wp-json\/wp\/v2\/pages\/3966","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bromar.me\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bromar.me\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bromar.me\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/bromar.me\/en\/wp-json\/wp\/v2\/comments?post=3966"}],"version-history":[{"count":7,"href":"https:\/\/bromar.me\/en\/wp-json\/wp\/v2\/pages\/3966\/revisions"}],"predecessor-version":[{"id":3976,"href":"https:\/\/bromar.me\/en\/wp-json\/wp\/v2\/pages\/3966\/revisions\/3976"}],"wp:attachment":[{"href":"https:\/\/bromar.me\/en\/wp-json\/wp\/v2\/media?parent=3966"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}