OVAG International Privacy Notice

OVAG International AG “OVAG” uses personal and confidential information for a number of purposes. This Privacy Notice provides a summary of how we use your information.

OVAG has a legitimate right to process your information as part of the contracts with its clients to bill and collect from patients, insurances, embassies, and debtors.

Types of personal data we handle

· Personal details such as names, addresses, telephone numbers.

· Family details for example next of kin details.

· Education, employment, and financial details.

· Lifestyle, social circumstances, and images.

· Racial and ethnic origin.

· Offences, criminal proceedings, outcomes, and sentences.

· Religious or similar beliefs.

· Physical or mental health details.

Who it will be shared with

· Internal purposes. Staff with legitimate reason to view such information only.

· Creditors money is owed to and that OVAG bills and collects on behalf of insurance companies and embassies that provide you with financial coverage to pay your bills.

· Lawyers and Courts OVAG uses to instigate legal action in order to obtain payments.

· Any party we have an obligation with to comply with current legislation.

· Any party when we have a duty to comply with a Court Order.

· Any party where you have consented to disclosure.

· We will never share your information with other organizations for marketing, market research, or commercial purposes.

How it will be used

· To provide billing and collections services to creditors.

· To contact patients, insurances, embassies, and debtors.

Security of your information

We take the protection of your personal information and confidentiality seriously. Taking all reasonable measures to ensure the confidentiality and security of personal data for which we are responsible, whether electronic or physical.

We have appointed a Chief Compliance Officer who is accountable for the management of all information assets and any associated risks and incidents.

All employees are required to undertake data security and protection training to understand their responsibilities and agree to adhere to the same.

All employees are also required to protect your information and confidentiality.

Retaining information

We will only retain information for as long as necessary or as required by law. Records are maintained in line with OVAG’s retention policy, which determines the length of time records should be kept.

How can you get access to your personal information?

You have the right to see the information that OVAG holds about you and why. Requests must be in writing and you will need to provide:

· Adequate information [for example full name, address, date of birth, reference number, etc.] so that your identity can be verified and your information located.

· An indication of what information you are requesting to enable us to locate this in an efficient manner.

Information is free of charge; however, where a fee is applicable we will inform you in writing.

We aim to comply with requests for access to personal data as quickly as possible. We will ensure that we deal with requests within 30 days of receipt unless there is a reason for delay that is justifiable.

We want to make sure that your personal information is accurate and up to date. If you think any information is inaccurate or incorrect then please let us know.

Right to Erasure of your personal information

You have the right to request that your information is erased. This right can be used:

· Where you believe that the personal information we hold is no longer necessary for the purpose that we originally had for processing your information.

· Where you withdraw consent to the processing of your personal information and there is no other legal basis for OVAG to retain this information.

· Where you object to the processing of your personal information (please see below the “Right to Object”), and there are no overriding legitimate grounds for the continued processing of your personal information.

· Where you believe your personal information has been processed unlawfully.

· Where you believe that OVAG has a legal obligation to erase your personal information.

This right to be forgotten does not apply in circumstances where processing is necessary:

· For exercising the right of freedom of expression and information.

· Where OVAG has a legal obligation which requires it to process your personal information.

· For the establishment, exercise, or defense of legal claims.

Requests must be in writing and you will need to provide the reason for the same.

Please contact us if you have any questions about our privacy notice or the information we hold about you:

OVAG International AG

Chief Compliance Officer

Zuerichstrasse 5, 6004 Luzern

Switzerland

Tel: +41 41 379 0303

Fax: +41 41 379 0333

Email: contact@ovag.ch