Privacy Policy

As part of the provision of its services, Livo (as a brand of the entity “Mundo Ageas Serviços, Unipessoal Lda.”) needs to collect some personal data.

This Privacy Policy aims to help data subjects understand what personal data is collected, how and why it is used, to whom it is disclosed as well as how their privacy is protected, in strict respect and compliance with the applicable legislation in this area, namely Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 (“General Data Protection Regulation”) and Law 58/2019 of 8 August.

Who is responsible for processing your Personal Data?

References in this Privacy Policy to “Livo”, “we”, “us” or “our” mean the following entity:

• • Mundo Ageas Serviços, Unipessoal, Lda., with registered office at Praça do Príncipe Perfeito 2, 1990-278 Lisboa, with taxpayer number 515750395.

What is Personal Data?

Personal data means any information, of any nature and regardless of its form, including sound and image, relating to an identified or identifiable single person (data subject).

An identifiable person is one who can be identified, directly or indirectly, in particular by reference to an identification number or to other factors specific to their physical, physiological, mental, economic, cultural or social identity.

What sort of personal data do we collect?

Livo collects and processes the personal data necessary to quote for and provide its services. Your personal data may include your identification and contact details, financial data or information about how you use our Platforms, or how you interact with us.

Livo does not process the personal data of minors.

Categories of Personal Data we process:

• • identification data (name, taxpayer number, civil identification number) and contact data (e-mail address, telephone number and address);
• • information about your transaction, including financial data, so that we can process payments;
• • communication exchanged with us (for example, your e-mails, letters or phone calls);
• • your posts and messages on our social networks;
• • your opinion about us (applicable when you participate in our satisfaction surveys/questionnaires);
• • information about how you use our Platforms – applicable when you use our Platforms (website), in accordance with our Cookies Policy and other Tracking Technologies;
• • your complaint in order to follow up on it.
  
  

What are the reasons for collecting your Personal Data?

Personal data (customers/third parties) is generally used in the context of the provision of services. Your data may also be used to send you promotional communications if you have given your consent to do so. In this regard, we use your personal data for the following purposes:

• • to register on our website and for subsequent access to your private account (legal basis: pre-contractual due diligence and/or contractual relationship);
  
  
• • to quote and provide the service (legal basis: pre-contractual due diligence and/or contractual relationship);
  
  
• • occasionally, we may contact you by e-mail and/or SMS for operational reasons, for example, in order to respond to your request for a quote, to confirm a visit by our technicians, or other information relevant to the provision of the service;
  
  as these communications are not made for marketing purposes, you will continue to receive them even if you have opted out of receiving marketing communications;
  
  
  
• • to inform you about our news (legal basis: consent): we may send you marketing communications if you have indicated that you wish to receive them; if you agree to receive marketing communications, we will send you newsletters with news from us, such as promotions or new service we may provide that you may be interested in;
  
  please note that we do not share your personal data unless we have your consent to do so; if you no longer wish to receive marketing communications from us, simply click on the unsubscribe link at the bottom of any marketing communication from Livo;
  
  
• • to improve our services and fulfil our objectives (legal basis: legitimate interest): in particular for statistical studies and to manage complaints;
  
  
• • to fulfil our legal obligations (lawful basis: legal obligations), namely, tax obligations.
  
  

How long will we keep your personal data?

The personal data collected is processed in strict compliance with the applicable legislation and stored in specific databases created for this purpose.

The period for which the data is stored and retained will be as long as necessary for the purposes for which it was collected, as identified above.

What rights do data subjects have?

Under applicable law, a data subject has the rights set out below with regard to the processing of their personal data.

• • Right to Information – The data subject has the right to receive information about the terms of the processing of their personal data when the data is collected or, if the data is not collected from the data subject them self, within a reasonable time after the personal data is obtained, subject to exceptions provided for in the General Data Protection Regulation..
  
  

• • Right of Access by the Data Subject – The data subject has the right to obtain confirmation as to whether or not personal data is being processed and, where applicable, the right to access their personal data, as well as information concerning the purposes of the processing, categories of personal data in question, recipients of the data, and the envisaged storage period, among others.
  
  

• • Right to Rectification – The data subject has the right to obtain, without undue delay, the rectification or updating of inaccurate personal data concerning them..

• • Right to Erasure – The data subject has the right to obtain the erasure of their personal data without undue delay, within the limits provided by law.
  
  

• • Right to Restriction of Processing – The data subject has the right to obtain restriction of processing if one of the conditions set out in the General Data Protection Regulation applies.
  
  

• • Direito à Limitação do Tratamento – O titular dos dados tem o direito de obter a limitação do tratamento, se se aplicar uma das condições previstas no Regulamento Geral de Proteção de Dados.
  
  

• • Right to Data Portability – The data subject has the right to receive the personal data concerning them which they have provided, in a structured, commonly used and machine-readable format.
  
  

• • Right to Object – The data subject has the right to object at any time, on grounds relating to their particular situation, to the processing of personal data concerning them, in particular where their data is processed for the purposes of direct marketing.
  
  
• • Right not to be subject to automated individual decision-making – The data subject has the right not to be subject to any decision taken solely on the basis of automated processing of their personal data, including profiling, which produces legal effects concerning them or significantly affects them in a similar way.

In view of the above, you may request, at any time, access to personal data concerning you, as well as its rectification, deletion or limitation of its processing, the portability of your data, or object to its processing (with the exception of data strictly necessary for the provision of the service), or by written request addressed to Livo via e-mail privacidade@livo.pt.

In accordance with the law, you are also guaranteed the right to withdraw your consent to the processing of data whose consent constitutes the basis for the lawfulness of the respective processing. To this end, you have the right to withdraw your consent at any time, which does not, however, invalidate the processing carried out up to that date on the basis of the consent previously given.

Without prejudice to any other administrative or judicial remedy, the data subject has the right to lodge a complaint with the Portuguese National Data Protection Commission (CNPD) or other competent supervisory authority under the law, if he considers that his data is not being processed legitimately by Livo, under the terms of the applicable legislation and this Policy.

Under what circumstances is data communicated to other entities?

Livo uses other organisations to provide certain services. Such provision of services may involve access by these entities to your personal data. Livo ensures that such processors provide sufficient guarantees for the implementation of appropriate technical and organisational measures so that the processing meets the requirements of applicable law and ensures the security and protection of the rights of data subjects, in accordance with the processing agreement concluded with these processors.

Livo may also transmit your personal data to third parties when it deems such data communications to be necessary or appropriate under applicable law, in fulfilment of legal obligations/court orders, or to respond to requests from public or government authorities (such as the CNPD or the Tax Authority, for example).

Under what circumstances may your data be subject to International Transfers?

The provision of services by Livo may involve the transfer of your personal data to third countries (which do not belong to the European Union or the European Economic Area).

In such cases, Livo will implement the necessary and appropriate measures under applicable law to ensure the protection of personal data subject to such a transfer, strictly complying with the legal provisions regarding the requirements applicable to such transfers, in particular by informing Customers in this regard.

DPO contact

For clarification of your data protection rights, you may contact Livo’s Data Protection Officer (DPO) at dpo@livo.pt.

Last update: 09.08.2023

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