Section 1 : Terms of Use

You are connected to the site of OneLife: www.onelife.com and www.theonelifecompany.eu.com (both referred to as the Website), which is a property of The OneLife Company S.A. and is governed by the conditions set out below legal mentions and website privacy policy (all together the Conditions). Please read carefully the Conditions before using the Website. Using this Website indicates that you accept all of these Conditions.

Section 2 : Website Management and Hosting

This website is managed and hosted by The OneLife Company S.A., a company incorporated and organized under the Laws of Luxembourg , with registered office at:

38, Parc d’Activités de Capellen
B.P.190
L-8308 Capellen
Grand Duchy of Luxembourg

Tel.: +352 45 67 301
Fax: +352 45 67 34
E-mail: info@onelife.com

R.C.S. Luxembourg: B 34402
VAT I.D.: LU 14646055

The OneLife Company S.A. is a member of the OneLife Group, headed by The OneLife Holding s.à r.l., a société à responsabilité limitée with a registered capital of EUR 7,713,050.40, incorporated and organized under the Laws of Luxembourg, with registered office at 38, Parc d’Activités de Capellen, L-8308 Capellen, Grand Duchy of Luxembourg, Tel.: +352 45 67 301, Fax: +352 45 67 34, E-mail: info@onelife.com, R.C.S. Luxembourg:  B 68938, VAT I.D.: LU 20007907.

Herein, The OneLife Company S.A., The OneLife Holding s.à r.l. and all other subsidiaries, branches or other entities member of the OneLife Group are referred to as OneLife.

Section 3 : OneLife Legal Disclaimer

Please also be advised that the content of the webpages of this Website and any other Website that is the property of OneLife is intended solely to provide general guidance to the reader of these pages on the services offered by OneLife. Any and all information, data, analyses, comments, simulations, advice and opinions published on this site are provided for information purposes only and are not intended as an offer to sell or solicitation for the purchase or sale of any life insurance product or any other financial product or service.

Neither is the information intended to constitute any form of legal, fiscal or investment advice or recommendation and it should therefore be used only in conjunction with appropriate professional advice obtained from a suitable qualified professional source.

The information, materials and content provided in these pages may be changed at any time without notice.

It is formally prohibited to use, represent or reproduce such materials, whether in whole or in part, in any form and by any means, unless with the prior written agreement of the authors and beneficiaries of such materials.

Section 4 : Website Privacy Policy

  1. OneLife collects and processes some personal data about you.  

What is “personal data”?  Personal data are defined per reference to the Regulation 2016/679/EU of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data and any other law or regulation applicable in Luxembourg (hereafter the Laws and Regulation on Personal Data) as any information relating to an identified or identifiable natural person.

This includes any data through which a natural person can be identified directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person (hereafter Personal Data).

How does OneLife collect personal data? In general, access and navigation on the Website can be performed without disclosing any personal information or data. However, on some parts of this Website, it may be needed to collect some information or you may submit this information directly to OneLife.

All Personal Data processed by OneLife are provided by the user (hereinafter the Data Subject) through:

  • Online forms
  • Attendance to events, forums or other conferences organised by OneLife, in which the Data Subject wishes to take part
  • Subscription to newsletters/blog or request for information and services
  • Sending of a candidature through the careers section
  • Cookies

What categories of data does OneLife collect? On top of cookies, the Personal Data collected, registered and processed, for instance through online forms, can include:

– Identification Personal Data, such as, but not limited to names and surnames
– Identification Personal Data issued by public authorities such as social security number, ID or passport
– Electronic Identification Personal Data such as email addresses
– Electronic location Personal Data such as mobile phone number
– Professional Personal Data, such as activity and occupation
– Particular financial Personal Data such as Tax Identification Number and Annual Income
– Personal characteristics Personal Data such as age and gender
– Household composition Personal Data such as marital status
– Studies and Education Personal Data such as professional qualifications

In the frame of this Website, Personal Data will not comprise sensitive data about the Data Subjects such as related to physical or mental health.

  1. This Website uses cookies.

In order to function correctly, this Website uses cookies. OneLife may also use Google Analytics cookies (the cookies and Google Analytics cookies hereafter referred as the cookies). If you do not wish to accept cookies from this website please refer to below section “How can I disable cookies”.

What are Cookies? Cookies are small files of letters and numbers that are stored on your web browser or the hard drive of your computer and created when you are visiting a website. Cookies contain information that is transferred to your computer’s hard drive.

Why using Cookies?  Cookies are used only for specific purposes in line with the Laws and Regulation on Personal Data and primarily to improve your digital experience.

What kind of Cookies does OneLife use?  OneLife uses four kind of cookies, such as strictly necessary cookies, performance cookies, functionality cookies and third party cookies.

The types of cookies that OneLife can collect from you are :

  1. Strictly necessary cookies: this type of cookies are strictly necessary to enable to navigate on this website and use all its features, such as accessing secure areas of this website.
  2. Performance Cookies: cookies tracking the pages visited most often and any error message received by users. These cookies don’t collect information that identify a user. All information collected is anonymous and only used to improve how the website works.
  3. Functionality cookies: those cookies are helping to provide services or to remember settings to improve your digital experience. These cookies are for instance to remember language choices you made as well as your country/region.
  4. Third party cookies : our cookie table lists also third party cookies on our Website. Please note that the names of cookies may change over time and that we cannot influence whether or not the third party providers use the cookies for other purposes than the one exposed in the table. The Website uses mainly following third party cookies :
  • Google Analytics Cookies: those cookies are used to track the number of users and which pages have been mostly visited by users.
  • Cybot Cookies : this type of cookies remember the preferences of the user related to acceptance of cookies
  • Social media cookies such as LinkedIn, Twitter, Facebook, etc which gives the user the opportunity to connect to the Website as a user of those social media and to share contents of the Website through these social media.

Cookies may change over time and the complete and up-to-date list of cookies used on this Website can be found on following page. 

How can I disable cookies?  When you first access OneLife’s website you will be given information about the use of cookies on OneLife’s Website and the choice to approve or disapprove them. If you wish to disable the use of cookies after your first visit, you have two possibilities:

  1. You can do this in your web browser settings. Should you require help to do so, the “help” function of your browser will detail each steps to achieve it. Should you want to know more about the use of cookies and how to disable them do not hesitate to contact us.
  2. Or you can use the specific tool OneLife provides you: here.

Please note however that by disabling cookies in your browser settings or through the specific tool OneLife provides you, this website may not function correctly.

Can I oppose to the use of cookies? When you first access OneLife’s website you will be given information about the use of cookies on OneLife’s Website and the choice to approve or disapprove them. After your first visit, you have two possibilities to oppose to the use of cookies:

  1. You can change your cookies preferences in your browser settings and disable the use of cookies on this website.
  2. Or you can go the following: here.

Please be informed however that this can trigger error messages and that some features of OneLife Website may not work properly.

In case of question please do not hesitate to contact us.

  1. Purposes and legal basis of processing

The user understands that, in order to use the Website and its related services, it is compulsory for OneLife to collect several Personal Data for its legitimate interest in which case Onelife will take care to preserve a proportionate balance between the interest pursued and the respect for privacy of the Data Subject. In this context, Onelife will collect and treat the Personal Data in accordance with the Laws and Regulation on Personal Data and this Website Privacy Policy for following main purposes :

If the Data Subject gave his consent to such processing, OneLife will also process the Personal Data:

  1. Automated decision making and profiling

The Personal Data collected may be processed partially through automated means and notably for the performance of the legal duties of OneLife.

No decision will be made entirely based on automated Personal Data Processing and the decision will ultimately lie with the staff/management of OneLife. In particular, CV will not be subject to a decision based on automated processing. OneLife carries out regular checks to make sure its systems are working as intended.

The Personal Data collected may be processed partially for profiling purposes on top of statistical purposes, when necessary to subscribe to the proposed services, and notably for the performance of the legal duties of OneLife (such as, but not limited to, anti-money laundering obligations).

  1. Duration of processing

a. Cookies

Please refer to the table under point 4.

b. CV sent through the website

Personal data sent to OneLife through the careers section will be kept no longer than one year by our HR department.

c. Other Personal Data

The Personal Data collected for the purposes explained under point 3, will be stored in OneLife’s systems as long as the Data Subject doesn’t withdraw his consent by using the unsubscribe function when receiving communications (newsletters, etc) by email or by contacting us (please refer to point 10 below) and for no longer than 24 months.

6. Transfer of Personal Data

OneLife reserves the right to transfer the Personal Data to its suppliers in order to comply with its obligations under this legal and Privacy Policy or for the execution of the services requested by the user:

  • to other companies that are from time to time in or out of its corporate Group (or other companies acting on its instructions),
  • To other companies used by OneLife for archiving
  • To other companies used by OneLife for keeping contact with the Data Subject (such as but not limited to postal service and telecommunication companies)
  • To any other persons specially appointed or authorised by the Data Subject (even in third countries if specifically requested by the Data Subject)
  • To those persons or authorities to whom the law or another regulation requires or authorises OneLife to disclose such data, under the terms provided for in the aforementioned Laws and Regulations on Personal Data or any other law or regulation applicable to OneLife, such as the tax administration or under a relevant court decision.

The Data Subject is entitled to request details about those transfers at any time (please refer to point 10 below).

OneLife does not perform any data processing operations in a country located outside the EEA. Should OneLife change its Policy in this respect, the Data Subject will be informed beforehand.

  1. Identity and contact details of the Data Controller and of the Data Protection Officer

The Data Controller is OneLife:

38, Parc d’Activités de Capellen
B.P.190
L-8308 Capellen
Grand Duchy of Luxembourg

Tel.: +352 45 67 301

OneLife’s Data Protection Officer (hereafter the “DPO”) can be contacted by mail at the address of OneLife or through the specific email address: dpo@onelife.com.

 

  1. Rights of the Data Subject

What are my rights?  In compliance with the Laws and Regulations on Personal Data and any other applicable law or regulation, the Data Subject has the right to :

  1. Obtain transparent information on the Personal Data collected and the processing completed on this Personal Data collected
  2. Request from OneLife access to Personal Data, and a.o. to get information on the purpose of the processing, the categories of personal data concerned and recipients or categories of recipients to whom the personal data have been disclosed
  3. Request a rectification of Personal Data i.e. to request that specific Personal Data be rectified from OneLife’s systems where one of the legal grounds is applicable
  4. Request a restriction of processing, i.e. provided one of the legal grounds is applicable, to request that Personal Data are, with the exception of storage, only processed with the Data Subject’s consent or for the establishment, exercise or defence of legal claims or for the protection of the rights of another natural or legal person
  5. Object, on grounds relating to his or her particular situation, to processing based on the legitimate interest of OneLife
  6. Request a portability, i.e. the right to receive the Personal Data concerning him or her, which he or she has provided to a controller, in a structured, commonly used and machine-readable format and have the right to transmit those data to another controller, if technically feasible
  7. Use his right to be forgotten, i.e. to request an erasure of OneLife’s entire records of Personal Data about him, subject to the provisions concerning pseudonymisation and anonymization

 

General Terms & Conditions of use of OneLife OneApp

General Conditions applicable from December 15th 2017.

The present mobile application “OneLife OneApp” (hereafter referred to as OneLife OneApp) is made available by The OneLife Company S.A. to the authorised user (hereafter respectively referred to as OneLife and the Authorised User) who wish to have access to an online information tool on his/her insurance Policy as well as to allow the Authorised User to manage and administer at any time his/her investments and his/her insurance policy(ies) or the investments and insurance policy(ies) of their clients.

The OneLife OneApp service is governed by the general terms, conditions and limitations set out below and the OneLife Personal Data Policy (all together hereafter referred to as the Conditions). The Authorised User should read carefully these Conditions before accepting them and using OneLife OneApp.

The Authorised User wishes to subscribe to OneLife OneApp and to use OneLife OneApp deployed by OneLife. The Authorised User and OneLife are hereafter referred to individually as a party and collectively as the parties. WHEREAS

  1. OneLife is a Luxembourg-based life insurance company regulated by the Commissariat Aux Assurances, insurance regulatory authority in Luxembourg.
  2. OneLife and the Authorised User have concluded a life insurance policy, a pension, a capitalisation policy or a company owned policy (hereafter the Policy) or a Terms of Business Agreement (hereafter the Terms of Business) by which the Authorised User promotes the products of OneLife for the subscription of Policies by the clients of the Authorised
  3. OneLife offers to its Authorised Users a Secured Website service (the Secured Website), and the Authorised User has subscribed to the Secured Website offered by OneLife by signing a Secured Website Access Agreement (hereafter the Secured Website Access Agreement).
  4. The Authorised User wishes to have access to a remote information tool available on any electronic device (such as smartphones and tablets) providing him/her with information on his/her Policy as well as to allow the Authorised User to manage and administer at any time his/her investments and his/her Policy(ies) or the investments and insurance policy(ies) of the clients who agreed to the communication of their personal data to the Authorised User and allowed the Authorised User to manage their
  5. The OneLife OneApp service is made available to the Authorised User by OneLife in order to simplify the communication of information on the Policy(ies) of the Authorised User or on the Policies of the clients of the authorised who agreed to the communication of their personal data to the Authorised User and allowed the Authorised User to manage their Policies and simplify the execution of important transactions, in execution of the Policy subscribed by the Authorised User or the Terms of Business signed by the Authorised
  6. The present Conditions shall govern the contractual relations between OneLife and the Authorised User regarding the access and the use of OneLife OneApp by the Authorised User. These Conditions supersede and replace any other terms and conditions of any Agreement previously signed between the Parties in relation to the access and use of OneLife

NOW AND THEREFORE IT IS AGREED AS FOLLOWS

Article 1 – Service Management and Hosting

1.1 OneLife OneApp is managed and hosted by The OneLife Company S.A., a company incorporated and organized under the Laws of Luxembourg, with registered office at: 38, Parc d’Activités de Capellen, B.P.190 – L-8308 Capellen, Grand Duchy of Luxembourg, Tel.: +352 45 67 301, Fax: +352 45 67 34, E-mail: info@onelife.com, R.C.S. Luxembourg: B 34402, VAT I.D.: LU 14646055.
1.2 The OneLife Company S.A. is a member of the OneLife Group, headed by The OneLife Holding s.à r.l., a société à responsabilité limitée incorporated and organized under the Laws of Luxembourg with a registered capital of EUR 7,713,050.40, with registered office at 38, Parc d’Activités de Capellen, L-8308 Capellen, Grand Duchy of Luxembourg, Tel.: +352 45 67 301, Fax: +352 45 67 34, E-mail: info@onelife. eu.com, R.C.S. Luxembourg: B 68938, VAT I.D.: LU 20007907.

Article 2 – Purpose

2.1 The purpose of the present Conditions is to set out the rights, duties and liabilities of the parties regarding the access to and the use of OneLife OneApp which enables the Authorised User to receive, consult, track and manage the Policy(ies) of the Authorised User or the Policy(ies) of the clients of the Authorised User in order to facilitate the management of the Policy(ies) of the Authorised User or the Terms of Business signed by the Authorised User.
2.2 Any terms and conditions previously signed or otherwise existing between OneLife and the Authorised User (such as the Policy or the Terms of Business terms and conditions) shall remain applicable between the parties, insofar as the present Conditions do not differ there from.
As an exception to the previous paragraph, the present Conditions cancel and replace any existing general terms and conditions of any agreement for the access and/or use of OneLife OneApp that might have been previously signed between the parties. Should any terms and conditions previously signed or otherwise existing between OneLife and the Authorised User differ from the present Conditions, the latter shall prevail.

Article 3 – Nature of the OneLife OneApp service

3.1 OneLife OneApp provides the Authorised User with access to general information relating to: OneLife’s products and services and confidential information about the assets attributed to his/her Policy(ies), the Policy(ies) for which the Authorised User has received a mandate to access such information or the Terms of Business (e.g. portfolio consultation, status and evolution of Policies, nature and amount of commissions) on a remote basis and on any electronic device which the Authorised User uses to access OneLife OneApp.
3.2 OneLife does not guarantee any of the data supplied through OneLife OneApp is accurate or up-to-date and all data available to the Authorised User through OneLife OneApp shall be supplied for information purposes only and shall be supplied without prejudice to any change resulting from the execution of any pending transaction or operation.

Article 4 – Access to OneLife OneApp

4.1 The Authorised User accesses OneLife OneApp through its own devices and networks, either mobile phone, tablet device or others (hereafter referred to as the Devices).
4.2 Access to OneLife OneApp requires Internet access via an Internet Service Provider (ISP) or similar, and/or use of the public/private telephone network. Such access shall be at the Authorised User’s expense. The Authorised User is aware that such access routes via the public/private telephone network or ISP may not be secure. The Authorised User shall follow carefully the access procedure defined by OneLife.
4.3 The secure access to OneLife OneApp requires the Authorised User to connect to the Secured Website with the following elements: the user number, the confidential password and the OTP Code (One Time Password), hereafter referred to as the Credentials. After downloading OneLife OneApp the Authorised User will be invited to connect to the Secured Website with the Credentials furnished by OneLife, to accept these Conditions, retrieve his/her Personal Key and choose his/her Security PinCode (hereafter respectively the Personal Key and the PIN Code).
After the connexion to the Secured Website, it is mandatory that the Authorised User links his access to the Secured Website with OneLife OneApp (by scanning the QR code furnished by OneLife) in order to enable the normal access and use of both the Secured Website and OneLife OneApp.
After this first connexion to OneLife OneApp, the Authorised User will only require the PIN Code to connect to OneLife OneApp.
4.4 Unless expressly agreed otherwise, the Credentials, the Personal Key and the PIN Code, are all personal and not transferable. The Credentials, Personal Key and PIN Code are provided by OneLife at the sole risk of the Authorised User, which undertakes not to disclose those to any third party. After the first connection to OneLife OneApp, the user number and the Personal Key will be stored on OneLife OneApp and will not be re- requested from the Authorised User. Only the PIN Code will be requested at each connection (unless the Devices are stolen, lost or any abuse of the Credentials or of the Devices is detected by OneLife or the Authorised User’s access is blocked by OneLife). The Authorised User will be able to change his/her PIN Code and Personal Key after the first connection at any time on the OneLife Secured Website.
4.5 OneLife OneApp has been developed for iOS Devices using at least version 8 or subsequent and for Android Devices using at least version 4.1 or subsequent. OneLife shall try to ensure compatibility of OneLife OneApp with most of the operating systems (hereafter referred to as OS) versions; however, OneLife cannot guarantee that OneLife OneApp will work properly on any operating systems versions or any Devices. These minimum operating system versions are subject to change in the future and OneLife recommends to the Authorised User to update his/her Devices’ OS version to the last one available as often as possible and at least once a year.
4.6 The Authorised User shall take all necessary measures to ensure that the technical characteristics of his/her personal Devices, internal access and telephone/Internet subscription are suitable for the consultation of confidential information and for access to OneLife OneApp. As a consequence, OneLife cannot be held responsible for any claim or litigation arising between the Authorised User and its supplier (ISP, Internet or Devices) in respect of the purchase or use of the Devices.
4.7 The access to OneLife OneApp is protected by a security system provided by OneLife. The Authorised User commits to respect this security system and to protect its own access codes in line with this Article 4. Access to OneLife OneApp is subject to the general availability of OneLife’s IT infrastructure. The Authorised User accepts that maintenance, upgrades or other modifications to this infrastructure, as well as occasional technical failures of this infrastructure, may impede the availability of the Service from time to time and that OneLife shall bear no liability in this respect, except in case of gross negligence or wilful misconduct by OneLife.
4.8 Access to OneLife OneApp will be denied if OneLife detects any problem in the Authorised User’s authentication process. After several unsuccessful attempts due to invalid Credentials or PIN Code, the access of the Authorised User will be blocked and the Credentials and the Personal Key will be re-requested from the Authorised User. The Authorised User acknowledges and accepts that OneLife blocks his/ her access to OneLife OneApp in cases of thief/loss of his/her Credentials, Personal Key or PIN Code or in case of too many unsuccessful attempts to achieve the highest standard of security to the Authorised User.
4.9 In case of need, the Authorised User may contact OneLife for assistance, at no charge except for the Authorised User’s communication costs, during OneLife’s office hours. OneLife will provide reasonable assistance to the Authorised User within a reasonable time frame but cannot be held liable for its failure to do so, except in case of gross negligence or wilful misconduct by OneLife.
4.10 A connection guide is provided to the Authorised User at no charge before the first connection to guide the Authorised User through the connection steps, answer Frequently Asked Questions and resolve potential problems. This guide will be kept available by OneLife and shall be available to any Authorised User upon request. In line with this connection guide it is strongly recommended to the Authorised Users to change their Personal Key on a regular basis and at least once a year in order to achieve the highest security standards.

Article 5 – Tariff

5.1 OneLife shall invoice no fees, such as access or basic fees, for the OneLife OneApp service related thereof. However, OneLife reserves the right to do so in the future under the terms set out below.
5.2 If OneLife was to invoice, in the future, for access to and use of OneLife OneApp and/or any part of the services proposed, the procedure for amending the present Conditions as described in Article 11 shall apply.
5.3 The cost of computer equipment, installation and maintenance fees, internet access subscriptions as well as telephone bills related to the use of OneLife OneApp are borne by the Authorised User.

Article 6 – Security

6.1 The parties agree that the transactional orders performed in respect of the access to OneLife OneApp, provided under clause 4 here above, constitute proof of the reality of the order, in its content and in the identity of the Authorised User who placed the order. As a consequence, the transactions performed in execution of those orders will be completely enforceable against the parties involved.
6.2 The recording or reproduction on OneLife’s IT system of orders and operations executed and validated by the Authorised User through the security and authentication system maintained by OneLife, represents proof for the parties of the executed transactions and confirms the application of these transactions to the appropriate Policy(ies).
6.3 In case of joint subscription, in application of the power of attorney given by any of the co-subscribers to the other on the Policy(ies), the subscription or un-subscription to OneLife OneApp requested by any one of the co-subscribers will be considered as a joint request by both of them and will therefore be applicable to both of them. Notifications related to OneLife OneApp will be made by OneLife exclusively to the address, email address or mobile/landline telephone number indicated at the moment of subscription to OneLife OneApp or at the moment of subscription of the Policy(ies) or signature of the Terms of Business or within the execution of such agreements. Similarly, in case of multiple Policies held by the Authorised User, the choice of the Authorised User to subscribe to and use OneLife OneApp shall be applicable to all of the Policies subscribed by the Authorised User with OneLife.
6.4 OneLife shall be entitled to block the Authorised User’s access to OneLife OneApp at any time if OneLife suspects an abuse or misuse of the system. OneLife will reactivate the Authorised User’s access to OneLife OneApp at the Authorised User’s duly signed Reconnection Request. OneLife is entitled to request that the Authorised User delivers evidence that he/she has installed the necessary security elements on its Devices before the actual reactivation of the access. The Authorised User undertakes to provide such evidence without delay at the request of OneLife. OneLife cannot be held liable for any direct or indirect consequence of any blocking, misuse or abuse as foreseen in this clause, except in case of OneLife’s gross negligence or wilful misconduct.
6.5 The Authorised User declares that he/she is aware of the technical capabilities and limitations, especially regarding response time of the internet to consult, download or transfer data.
6.6 The Authorised User will take due care to ensure that any electronic Devices which he/she uses to connect to OneLife OneApp is not infected by any hostile programme (virus, worm, Trojan etc.). OneLife is at any time entitled to request evidence from the Authorised User that he/ she has equipped his/her electronic devices with protection against the aforementioned programmes and the Authorised User undertakes to provide such evidence to OneLife without delay upon the latter’s request.
6.7 Any information of any kind made available to the Authorised User on OneLife OneApp is transmitted at the Authorised User’s own risk. The Authorised User is responsible for the treatment of the information transmitted on OneLife OneApp as soon as made available and OneLife shall not bear any responsibility in this respect. Especially, it is strongly advised to the Authorised User to keep the confidential data confidential and in a safe and secured system. OneLife will bear no liability for the treatment done by the Authorised User of the data transmitted and made available on OneLife OneApp. The Authorised User shall defend and keep OneLife harmless against any and all claims related to confidentiality of data and insurance secrecy claims which OneLife may encounter due to the fault of the Authorised User in his obligation to keep the information transmitted on OneLife OneApp confidential and in a secure environment, except in case of gross negligence or wilful misconduct by OneLife.
6.8 OneLife shall not be liable for failed or unsatisfactory receipt of any information sent by OneLife to the Authorised User or vice versa, except in case of gross negligence or wilful misconduct by OneLife.
6.9 OneLife shall not be liable for the improper or fraudulent use of confidential data, either by the Authorised User or by a third party, except in case of gross negligence or wilful misconduct by OneLife. The Authorised User agrees to indemnify, hold harmless and defend OneLife from and against any and all claims that a third party might raise against OneLife for the improper and fraudulent use of personal data in the context of these Conditions.
OneLife shall not be involved in any dispute which may arise between the Authorised User and his/her ISP or telephone network provider, or any other intervening party either concerning the confidential nature of the information transmitted or the cost of the transmission.
6.8 The Authorised User acknowledges that he/she accesses and uses OneLife OneApp at his/her own risk and that OneLife can in no circumstances be held liable for any damage resulting there from for the Authorised User, except in case of gross negligence or wilful misconduct of OneLife.

Article 7 – Protection of personal data – OneLife Personal Data Policy

7.1 In general, access to OneLife OneApp can be performed without disclosing any personal information or data in addition to those already provided when connecting to the Secured Website. However, it may be needed at some point to collect some information (for instance, but not being limited to email address and phone number) on the Authorised User or the Authorised User may submit this information directly to OneLife.
By approving these Conditions and using OneLife OneApp, the Authorised User expressly recognised that he has been informed of the collection and use of the abovementioned information in agreement with and for the proper execution of the present Conditions.
When personal data, such as mobile phone number and email address are collected from the Authorised User (for example through online forms, etc.) OneLife will let the Authorised User know at the time of collection how it will use that specific personal data.
7.2 OneLife has taken and shall continue to take all reasonable measures to keep confidential the personal data provided by the Authorised User taking technological developments into account, in particular by securing the data transmitted via online forms.
However, the Authorised User accepts that OneLife is not able to avoid all risks linked to the use of the internet, including those relating to the security architecture or security framework of the Authorised User’s system.
7.3 The Authorised User shall be aware and raise awareness among others that other internet users may have access to their data, should the Authorised User bypass any security aspects.
7.4 All data collected shall be processed in compliance with the provisions of the Luxembourg law of August 2nd 2002 (hereafter the Law of 2002) as modified from time to time on the protection of persons with respect to personal data processing and all other applicable laws and regulations, with the purpose of allowing the Authorised User to use OneLife OneApp offered by OneLife and, as the data may have been provided previously to OneLife for the purpose of, and in accordance with the conditions set out at that occasion, the management of the Policy or the execution of the Terms of Business.
OneLife may also use the personal data provided by the Authorised User or collected via OneLife OneApp for the execution of the present Conditions for the following purposes:
a. providing the Authorised User with services requested and notifying the Authorised User about important changes to or developments of these services;
b. updating OneLife’s records about the Authorised User;
c. crime (including money-laundering and terrorism financing) detection, prevention and prosecution;
d. responding to inquiries and complaints or processing the Authorised User’s requests in relation to information;
e. commercial offers, competitions, promotions, games and contests, if the Authorised User gave his consent in this regard;
f. evaluating the effectiveness of OneLife’s marketing;
g. research, training and statistical analysis with the aim of improving the services; and
h. making OneLife OneApp easier to use for the Authorised User and providing the Authorised User with access to additional services.
By subscribing to OneLife OneApp and accepting these Conditions, the Authorised User expressly and unconditionally recognises that OneLife will need to use his/her personal data for the purposes described above for the sake of the good execution of the present Conditions.
For the purposes described above, and in the frame of the good execution of the present Conditions, the data collected shall not contain personal data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, personal data relating to criminal convictions and offences or related security measures, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation. If such data should be requested from the Authorised User, for instance for the good execution of the Policy subscribed by the Authorised User or the management of Policies for which the Authorised User has received a mandate to access such data, the consent of the Authorised User for the collection, processing and archiving of such data shall be explicitly gathered by OneLife.
The data will not be stored in OneLife’s systems for longer than needed to achieve the purposes described above, notwithstanding specific regulations on data retention applicable to Luxembourg insurance undertakings. OneLife in particular shall not keep the data collected after the end of a 10 years delay after either: the redemption of the last Policy subscribed by the Authorised User or the termination of the Terms of Business Agreement (hereafter the delay of retention). The personal data might be stored after the end of the delay of retention but will only be processed for statistical purposes after that, especially through pseudonymisation and minimisation.
7.5 OneLife reserves the right to transfer the data to its suppliers (technical suppliers or others, in order to comply with its obligations under these Conditions and for the good execution of the present Conditions, the Policy(ies) or the Terms of Business terms and conditions), to the
persons specially appointed or authorised by the Authorised User (even in third countries if specifically requested by the Authorised User) as well as to those persons or authorities to whom the law or another regulation requires or authorises OneLife to disclose such data, under the terms provided for in the aforementioned Law of 2002 or any other law or regulation applicable to OneLife.
In compliance with the provisions of Art 300 of the law of December 07th 2015 on the professional secrecy applicable to insurance undertakings in Luxembourg, and for the good execution of the Policy(ies) subscribed by the Authorised User, unless the Authorised User objects to this, the registered insurance intermediary to which the Authorised User has agreed to the communication of its personal data (hereafter the authorised insurance intermediary) will get a copy of all information made available onto OneLife OneApp.
Should the Authorised User refuse the communication of all information made available to him/her on OneLife OneApp to the authorised insurance intermediary, the Authorised User can either:
• object to such communication through the Secured Website, by mail or email to OneLife, within a month from his/her subscription to OneLife OneApp, or
• refrain from using OneLife OneApp
For the good execution of the Policy(ies), the authorised insurance intermediary will be provided with all information made available to the Authorised User through OneLife OneApp as long as the objection of the Authorised User has not been treated and accepted by OneLife. As soon as the objection of the Authorised User has been treated and accepted, OneLife will cease to provide the authorised insurance intermediary with all information made available to the Authorised User on OneLife OneApp.
Warning: Should the Authorised User refuse the communication of all information made available to him/her on OneLife OneApp to the authorised insurance intermediary, this may strongly impede the quality of the service delivered to the Authorised User in
relation to the Policy by OneLife and the authorised insurance intermediary. In such a case, the Authorised User commits to keep the authorised insurance intermediary informed of all information made available to him on OneLife OneApp and OneLife shall bear no liability for any claim or damages in relation to this choice of the Authorised User.
By accepting these Conditions, and without objections from the Authorised User sent to OneLife through the Secured Website, by mail or email, within a month from the subscription to OneLife OneApp, the Authorised User will be deemed to have accepted the communication of all informatiuon made available to him/her on OneLife OneApp to the authorised insurance intermediary. The Authorised User shall have the right to withdraw its consent to this communication to the authorised insurance intermediary at any time by contacting OneLife through the Secured Website, by mail or email to OneLife. In this case, as soon as the objection of the Authorised User has been treated and accepted, OneLife will cease this communication.
7.6 In compliance with the Law of 2002 and any other applicable law or regulation, the Authorised User may at any time have access, modify or oppose free of charge the data relating to him/her by simply notifying OneLife or OneLife Data Protection Officer through the Secured Website, by mail or email. OneLife Data Protection Officer and OneLife as the data controller and processor pursuant to the applicable laws and regulation, can be contacted at any time at the address, telephone number, fax and email address detailed in article 1.1 of the present Conditions or to the following email address: dpo@onelife.com.
The Authorised Users has the right to:
• request from OneLife access to and rectification or erasure of personal data or restriction of processing concerning the data subject or to object to processing;
• data portability;
• withdraw consent at any time if the processing of his data is based on such a consent (i.e. for the purpose of commercial offers, competitions, promotions, games and contests);
• lodge a complaint with the supervisory authority.
7.7 At any time when contacting OneLife, should the Authorised User wish to send a mail by post, he/she shall send a registered letter to OneLife. Also, at any time when contacting OneLife, either by post or any other electronic mean, the Authorised User shall specify his/her Policy number or Secured Website Authorised User number.

Article 8 – Intellectual property rights

8.1 The software enabling OneLife to offer the OneLife OneApp service to its Authorised Users, including software specifically developed for it, as well as the services subject to these Conditions and copyright and trademarks protect all its components.
8.2 The Authorised User undertakes to only use the software for his/her connections to the service made available by OneLife. The Authorised User undertakes not to copy modify or in any way infringe copyrights attached to these programs. In other words, OneLife only grants
to Authorised Users a non-exclusive and non-transferable licence for the use of the software enabling him/her to use OneLife OneApp. Notwithstanding such licence, all copyrights and any other intellectual property rights held by OneLife or third parties shall remain the property of OneLife or such third parties.
8.3 The Authorised User also undertakes not to publish any information about OneLife, its products or services, in whatever format without the written and prior consent of OneLife

Article 9 – Duration and Termination

9.1 The subscription of the Authorised User shall last for an unlimited period of time. Save if otherwise provided, each party shall have the right to terminate the subscription of the Authorised User to OneLife OneApp by sending a written prior notice at least one month in advance. Accepting these Conditions cancels and replaces any Agreement previously signed by the parties for the access and use of OneLife OneApp.
9.2 If the Authorised User is a natural person, the subscription of the Authorised User to OneLife OneApp shall automatically terminate in the event of his/her death or incapacity. If the Authorised User is a legal person and unless agreed to the contrary by OneLife, the subscription of the Authorised User to OneLife OneApp shall also automatically terminate in the event of insolvency, receivership or bankruptcy proceedings or any other proceedings for the settlement of the Authorised User’s debts, (ii) upon the Authorised User making an assignment for the benefit of creditors, or (iii) upon the Authorised User’s dissolution or ceasing to do business (iv) upon the Authorised User ceasing to be duly registered for any reason whatsoever.
9.3 The subscription of the Authorised User to OneLife OneApp may be terminated by OneLife with immediate effect if the Authorised User commits a serious breach of any of the provisions of these Conditions.
9.4 The subscription of the Authorised User to OneLife OneApp shall terminate automatically if and when either of the parties terminates the last Policy of the Authorised User, the Secured Website Access Agreement or the Terms of Business.
9.5 Any termination notice shall be sent by registered mail with acknowledgement of receipt to the other party’s address or directly by email as stated in these Conditions or as notified to the other party in writing. Should the Authorised User wish to send a mail by post he/she should send a registered letter to OneLife.

Article 10 – Responsibility

10.1 The parties accept that the obligations of OneLife, and particularly those with respect to access and security, are qualified as obligation of means (“obligation de moyens”).
10.2 Except in case of wilful misconduct or gross negligence, OneLife cannot be held liable in the event of any error or omission in the information provided by OneLife or by third parties and made available to the Authorised User on OneLife OneApp.
OneLife will in no event be held liable for any direct or indirect loss or damage suffered by the Authorised User and resulting from the use of OneLife OneApp. The information provided on OneLife OneApp are provided for information purposes and OneLife will not bear any liability for the use of the information or any security leakage onto the system of the Authorised User.
10.3 In the event of loss or theft of his/her Credentials, Personal Key or PIN Code or any attempt of fraud that he/she would detect, the Authorised User undertakes to inform OneLife immediately and OneLife will block the access of the Authorised User to OneLife OneApp without
delay. Except in case of wilful misconduct or gross negligence, OneLife will not bear any liability for loss or damage resulting from access or an attempt to access and/or abusive, illegitimate or other use not complying with the present Conditions as updated from time to time by OneLife.
10.4 OneLife cannot be held liable for any damage suffered by the Authorised User in relation with his/her hardware or the data it contains, which may occur following a power failure or a shutdown, for any reason, such as development, repair, testing, maintenance, breakdowns, technical problems, break in the telecommunication network, overloads, negligence or fault of a third party or of the Authorised User, nor for circumstances being out of OneLife’s control.
10.5 OneLife cannot be held liable for any damage resulting from a virus in whatever form, bugs, or even any program or application or any security leakage of the Authorised User system, which would be incompatible with the infrastructure used in view of the execution of the present Conditions.
10.6 The Authorised User will be liable for any negligence in the use of the elements of the security system provided by OneLife.

Article 11 – Modification

11.1 Given the constant development of techniques and technologies, OneLife reserves the right to adapt or to modify unilaterally and at any time the security systems, the access procedures or any of the present Conditions.
11.2 Any such change will be communicated by OneLife to the Authorised User through the Secured Website, the mobile app OneLife OneApp and/or by sms, mail or email – at the choice of OneLife – at least one month before such modification shall enter into force, except where technical or security issues impose a change at shorter notice. The Authorised User will have to agree to the new version of the present Conditions, before having the possibility to continue using OneLife OneApp.
11.3 Should the Authorised User refuse such changes, the Authorised User may terminate his subscription to OneLife OneApp at any time, either by not agreeing to the new version of the present Conditions, or by informing OneLife through the Secured Website, by mail or e-mail sent to OneLife.

Article 12 – Confidentiality

12.1 The parties undertake not to disclose to any third party (other than the relevant person with due mandate to receive such information) any information that they might have received from the other party through OneLife OneApp (including any information relating to the software).
12.2 This article shall survive the termination of the subscription of the Authorised User to OneLife OneApp.

Article 13 – Miscellaneous

13.1 The present Conditions shall be construed and governed by the laws of Luxembourg, except where a mandatory regulation would impose the application of the laws of another country.
13.2 In case of dispute concerning the interpretation or performance of the present Conditions, the courts of Luxembourg City, Grand-Duchy of Luxembourg shall have exclusive jurisdiction.
13.3 Should any provision of these Conditions become illegal, invalid or unenforceable, such provision shall be amended in such manner as will most closely and accurately reflect the intention and purposes of such provision under these Conditions.
The remaining terms and conditions of these Conditions shall not in any way be invalidated or affected thereby and all such terms and conditions shall remain valid and in full force and effect.