Legal Information

The privacy and security of your personal data are our top priority; you can find details on how your data is processed here.

Information on the Protection of Personal Data

Regarding the Personal Data Protection Law No. 6698 (“PDPL”) published in the Official Gazette dated 7 April 2016 and numbered 29677 in order to protect the fundamental rights and freedoms of individuals, the privacy of private life in particular, in the processing of personal data and to determine the obligations of natural and legal persons who process personal data; as Ray Sigorta A.Ş., a company registered at İstanbul Trade Registry Office with registration No. 297257 and residing at Cumhuriyet Mah. Haydar Aliyev Cad. No: 28 34457 Sarıyer /İstanbul (“Ray Sigorta”), in the capacity of Data Controller, we would like to inform you in accordance with Article 10 of the Law titled “Information Obligation of Data Controller.”

Ray Sigorta A.Ş. keeps the system infrastructure and internet contents at the most reliable level in order to protect the privacy of the personal information it receives from its customers and/or customer’s officials and/or shareholders and/or business partners.

For what purposes can your personal data be processed?

Ray Sigorta A.Ş. may collect identity information, contact information, insurance information, health information, health process information, health risk management information, claim information, and personal data and/or sensitive personal data in other categories permitted by the legislation (collectively, “personal data”) from Health Insurance Information and Supervision Center (SAGMER), the Ministry of Health, Social Security Institution (SSI), health institutions and organizations, insured candidates and insured persons. Your collected personal data may be processed for the following purposes:

  • Preparation of insurance offers, provision of insurance services,

  • Fulfillment of the requirements of your agreement and policy, the inclusion of spouse, children, and related persons in the policy,

  • Fulfillment of legal obligations in accordance with the legislation to which Ray Sigorta A.Ş. is subject,

  • Fulfillment of data storage, reporting and information obligations stipulated by the Undersecretariat of Treasury and other authorities,

  • Execution of reinsurance processes,

  • Making recourse requests to insurance companies and third parties and following up on these requests,

  • Execution of communication activities,

  • Detection of false damage notifications,

  • Sharing some data regarding the lawsuits (and/or arbitration files) and/or notices of claim with actuary companies and making damage assessments,

  • Providing support from companies that provide external services,

  • Providing services from insurance support service providers,

  • Carrying out risk analysis and management activities,

  • Payment of brokerage commissions,

  • Execution and performance of brokerage agreements,

  • Sending commercial electronic messages with your permission,

  • Creating and tracking visitor records separately for the website and physical space,

  • Performing personalization, targeting, and advertising activities on our website,

  • Performing the essential functions necessary for the operation of our website, analyzing our website, and improving its performance.

To whom and for what purpose do we transfer your personal data or sensitive personal data?

For the purposes and legal reasons stated in this information text,

Your personal data or sensitive personal data may be transferred to MASAK, regulatory and supervisory public institutions and organizations such as the Republic of Turkey, the Ministry of Treasury and Finance; insurance support service providers, intermediaries, other insurance companies, SAGMER, third parties from whom services are received domestically, program partner organizations with which we cooperate, other third parties, and reinsurers due to reinsurance transactions that are complementary to insurance activities in order to carry out our insurance activities; and our principal shareholder, direct/indirect shareholders, and group companies operating in the country in order to ensure the continuity of our business activities.

Method and Legal Reason of Collection of Personal Data

Your personal data may be collected verbally, in writing, or electronically by the General Directorate, third-party agencies we cooperate with, banks, brokers through different channels such as www.raysigorta.com.tr, our mobile application, and our call center at 444 4 729.

Your personal data collected through the methods mentioned above may be processed and transferred by obtaining explicit consent pursuant to the principles stipulated in article 4/2 of the PDPL or without obtaining explicit consent in case of the existence of the situations specified in the provisions of articles 5/2 and 6/3 of PDPL, as the case may be.

What are Your Rights as the Data Subject?

Pursuant to Article 11 of Personal Data Protection Law (PDPL), you have the right:

  • to learn whether your personal data are processed or not,

  • if processed, to request information regarding this procedure,

  • to learn the purpose of your data processing and whether such data are used for intended purposes,

  • to learn the third parties in the country or abroad to whom personal data have been transferred,

  • if personal data is processed incompletely or inaccurately, to request correction of the same and request for such correction to be informed to the third parties to whom the personal data is transferred,

  • to request deletion or destruction of personal data pursuant to article 7 of PDPL(*),

  • to request reporting of the operations carried out pursuant to sub-paragraphs (d) and (e) above to third parties to whom the personal data have been transferred,

  • to object to occurrence of any result that is to his/her detriment by means of the analysis of personal data exclusively through automated systems,

  • to request compensation for the damage arising from the unlawful processing of your personal data.

(*) We have legal liabilities to keep the documents related to the transactions carried out with you. If you prefer your personal data to be deleted or destructed, we will only be able to fulfill your request at the end of the period determined within the scope of legal liabilities.

If you need more information about your personal data, you can reach our Customer Services by calling 444 4 729 or using the contact form at www.raysigorta.com.tr.

Ray Sigorta A.Ş will finalize the claims in your applications as soon as possible, free of charge, but in any case, within a maximum of thirty days, depending on the nature of the claims. However, if the procedure requires any cost, Ray Sigorta A.Ş. will collect the fee specified in the tariff determined by Personal Data Protection Board.

Privacy and Cookie Policy

1. Parties

1.1 The Privacy and Cookie Policy (hereinafter referred to as the “Policy”) is executed by and between Ray Sigorta A.Ş., a company registered at İstanbul Trade Registry Office with registration No. 297257 and residing at Cumhuriyet Mah. Haydar Aliyev Cad. No: 28 34457 Sarıyer /İstanbul (hereinafter referred to as “RAY SİGORTA” and the “Data Controller”) and the user (hereinafter referred to as the “User”) of the website www.raysigorta.com.tr (hereinafter referred to as the “Website”) for utilization of the Website by the User in the electronic environment where the Website is located.

1.2 RAY SİGORTA and the User shall be referred to as the “Parties” jointly.

2. Definitions

2.1 For purposes of this Policy; “Content” refers to any information, file, picture, figure, image, literary and auditory images published or accessible on the Website, “User” refers to all the natural and legal persons capable of using the civil rights to benefit from the Content, applications, and Service on the Website by accepting the terms of the Policy, “Service” refers to the insurance service(s) to be provided to the User by RAY SİGORTA within the scope of the Website.

3. Definitions

3.1 RAY SİGORTA shall be entitled to process User navigation information within the framework of its legal obligations in order to provide better service to the Website visitors, provided that such information is not used outside the scope and purposes determined by this Policy.

3.2 Cookies are text files containing tiny pieces of data that are loaded by the User’s internet browser and stored on his/her computer, mobile phone, or tablet when the User visits the said website. Below, you can find detailed information about the types of cookies used when the User visits the said website.

4. Types of Cookies
4.1 Necessary Cookies

These are the most essential and strictly necessary cookies. They enable the User to move around our website, create a user account, and log in.

4.2 Performance and Analytic Cookies

Cookies are used to detect the number of users visiting our Website. Analytic cookies are used to collect information about how the User uses the website, check what is working and what is not working on the website, optimize and improve the services, and ensure that they continue to be exciting and relevant for the user.

4.3 Targeting and Marketing Cookies

We can carry out more effective marketing activities and offer products and services that will interest you by anonymously monitoring your browsing data on our website. At the same time, you display products and services that match your interests on the Internet through these cookies.

5. Turning Off Cookies

The user can remove persistent cookies and reject both session cookies and persistent cookies by following the instructions given in the “help” file of their internet browser or by visiting "www.allaboutcookies.org" or "www.youronlinechoices.eu". If the User rejects persistent cookies or session cookies, s/he may continue to use the Website but may not be able to access all functions of the said channels or may have limited access.

5.1 RAY SİGORTA uses Google Analytics, a web analysis service provided by Google, Inc. (“Google”). Google Analytics uses cookies to analyze how users use the website with statistical information/reports. Click here to turn off Cookies managed by Google Analytics.

5.2 The settings menu of the mobile device can be used to manage Cookies on mobile devices.

6. Measures for Protection of Personal Data

6.1 As explained in detail in the Information on the Processing of Personal Data published on the website by RAY SİGORTA, the protection of Personal Data is an essential subject for our Company. We take all necessary technical and administrative measures to protect the User against unauthorized access to Personal Data or loss, misuse, disclosure, alteration, or destruction of this data. Generally accepted security technology standards are used when processing Personal Data.

6.2 RAY SİGORTA undertakes to keep the Personal Data confidential, take all necessary technical and administrative measures, and show necessary care for ensuring confidentiality and security. Despite the essential privacy measures are taken, if Personal Data is damaged or acquired by third parties as a result of attacks to the website and system of RAY SİGORTA, this is reported to the Users and the Personal Data Protection Board immediately, and necessary measures are taken. You can find more detailed information about the processing of your personal data by RAY SİGORTA in the Information on the Protection of Personal Data on the website.

7. Rights of Users

7.1 In order for RAY SİGORTA to quickly, effectively, and comprehensively evaluate and resolve the applications to be made by you within the scope of Article 11 of the PDPL, you can send the original signed Data Subject Application Form, which is available on our website, to our Head Office address stated on our Contact page, by registered mail. Ray Sigorta A.Ş will finalize your requests as soon as possible, free of charge, but in any case, within a maximum of thirty (30) days, depending on the nature of the requests. However, if the procedures to be carried out for the examination and conclusion of your application require an additional cost, the fees in the tariff determined by the Board will be invoiced to you.

The rights you have pursuant to the above-mentioned article are as follows:

  • to learn whether RAY SİGORTA processes your personal data,

  • to request information if your personal data are processed,

  • to learn the purpose of your data processing and whether such data are used for intended purposes,

  • to learn the third parties in the country or abroad to whom personal data have been transferred, to request the correction in case his/her personal data are processed incompletely or incorrectly,

  • to request deletion or destruction of personal data within the framework of the conditions set forth under Article 7 of PDPL,

  • to request notification of the operations made as per paragraphs (d) and (e) of Article 11 of PDPL to third parties to whom personal data have been transferred,

  • to object to the occurrence of any result that is to the detriment of you by means of the analysis of personal data exclusively through automated systems,

  • to request compensation for the damage arising from the unlawful processing of your personal data.

8. Changes in Privacy and Cookie Policy

This Privacy and Cookie Policy may be amended from time to time. These changes will become effective immediately upon the publication of the new revised Privacy and Cookie Policy on the Website. Therefore, it is recommended for the User to review this text periodically. The User may also communicate his/her membership information and communication preferences, including Personal Information, if any, to RAY SİGORTA from the contact information on the website at any time. Requests will be evaluated and implemented as soon as possible.

9. Governing Law, Competent Court, and Execution Offices

This Policy is subject to the laws of the Republic of Turkey. Istanbul Central Court and Execution Offices shall be authorized to settle any disputes arising from the implementation of this Policy.

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