Privacy Policy and Cookie Statement

Disclaimer: This privacy policy explains how Studentinsurance.nl handles your personal data in accordance with European privacy laws. If you are looking for answers regarding health insurance rules instead, please visit our frequently asked questions page.

Moving to the Netherlands and navigating local bureaucracy can be complex enough without worrying about your digital privacy. We aim to support a stress-free transition by ensuring your data is handled with care. At Studentinsurance.nl, we are committed to processing your personal data transparently, securely, and in full compliance with the General Data Protection Regulation (GDPR / AVG) and the Dutch Implementation Act (UAVG).

Who We Are (Data Controller)

Studentinsurance.nl operates as an independent informational platform. We are the designated data controller responsible for processing your personal data on this website. You can learn more about our mission and organizational background on our about us page.

What Personal Data We Collect and Why

We only collect data that is strictly necessary to provide our services and support your journey as an international student. Depending on how you use our site, we may process:

• Communication Data: When you email us with a question or feedback, we collect your email address and the contents of your message. The legal basis for this is our legitimate interest in providing customer support and answering your inquiries.
• Newsletter Data: If you explicitly opt in to our newsletter, we collect your email address based on your consent. You can withdraw this consent at any time via the unsubscribe link in the emails.
• Technical and Usage Data: We collect anonymized data such as your IP address, browser type, and how you interact with our pages to improve our website.

How We Share Data with Third Parties

We respect your privacy and have strict rules regarding external parties:

• No Selling of Data: We do not sell, rent, or trade your personal data to third parties for their marketing purposes.
• Third-Party Links: Our website contains links to official government bodies (like the CAK or SVB) and private health insurers. Once you click these links, you leave our site. We are not responsible for the privacy practices of external websites.

Use of Cookies and Affiliate Tracking

Cookies are small text files placed on your device to make the website function properly and analyze traffic. We use the following types of cookies:

• Functional Cookies: Necessary for the website to operate correctly. You cannot opt out of these.
• Analytical Cookies: Used to understand visitor statistics and improve our content. This data is anonymized.
• Affiliate Cookies: When you use our platform to compare Dutch healthcare insurance and click through to an insurer, a cookie registers that you came from our site. This allows the insurer to pay us a standard referral commission if you take out a policy. These cookies do not track your specific identity or medical information.

You can manage or disable cookies via your internet browser settings at any time.

Your Rights Under the GDPR

Under the General Data Protection Regulation, you have substantial rights regarding your personal data:

• Right to Access: You can request a copy of the personal data we hold about you.
• Right to Rectification: You can ask us to correct inaccurate or incomplete data.
• Right to Erasure: You can request that we delete your personal data.
• Right to Restrict or Object: You can object to our processing of your data or ask us to restrict it under certain circumstances.
• Right to Data Portability: You can request your data in a structured, commonly used format.

Data Security and Retention

We implement appropriate technical and organizational measures to protect your data from unauthorized access, loss, or alteration. We only retain your personal data for as long as necessary to fulfill the purposes outlined in this policy. For instance, customer service emails are generally kept for a maximum of two years so we can reference past solutions if you reach out again, after which they are securely deleted.

Questions or Complaints?

If you have any questions about this privacy policy or wish to exercise your GDPR rights, please contact us directly at info@studentinsurance.nl. Studentinsurance.nl reserves the right to amend this privacy statement as legal requirements evolve.

If you feel we have not handled your request appropriately, you have the legal right to file a complaint with the Dutch Data Protection Authority (Autoriteit Persoonsgegevens).