Cookies & Privacy

SCOR respects your privacy and undertakes to protect your personal data. SCOR processes your data in a fair and transparent manner.

SCOR
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PRIVACY

Who We Are

SCOR SE is a Societas Europaea headquartered in Paris, France. Our headquarters are located at:
 

5 Avenue Kleber
75795 Paris Cedex 16
France
Tel: +33 (0)1 58 44 70 00


SCOR engages in business on its own behalf and through a variety of subsidiaries (collectively referred to as “SCOR” or “We” in this Notice unless specifically stated otherwise). Information about the SCOR can be found on SCOR’s website, www.scor.com and SCOR’s subsidiaries that process Personal Data are listed by country in Appendix 1 to this Notice.
 

What We Do

SCOR is primarily a “Reinsurer”. In most cases, our clients are insurance companies, which are also known as “Insurers”. Insurers provide insurance coverage to individuals, firms and companies, who are often called “Insureds”. SCOR also acts as an Insurer in certain relatively limited circumstances.
 
Typically, Insurers and Insureds enter contracts called “Policies”. Insurance Policies can protect the Insured against a wide variety of losses, including loss of life, loss or damage to property, loss associated with health issues or problems and loss arising from third-party liabilities of the Insured.
 
A Reinsurer provides insurance coverage to Insurers in much the same way that Insurers provide insurance coverage to Insureds. Reinsurers and Insurers enter contracts that are often called Reinsurance Agreements or Treaties. These Reinsurance Agreements or Treaties provide coverage to the Insurers against losses, usually related to one or more underlying Policies between the Insurer and its Insured(s). Reinsurers receive premiums from Insurers and pay claims to them.
 
Reinsurers such as SCOR may also have their own Reinsurers (usually called Retrocessionaires) who provide insurance coverage to the Reinsurer. In this manner, reinsurance serves to spread the risk of loss across two or more companies, which helps to ensure that funds will be available to pay claims, particularly when a significant loss-making event occurs.

Privacy Statement

SCOR operates around the globe and thus data is accessed and exchanged amongst SCOR subsidiaries (see Appendix 1) and with third parties in the normal course of doing business. The Retrocessionnaires who may receive personal data from SCOR and that are located outside the European Union are located in the countries listed in Appendix 2. SCOR is committed to complying with data protection principles in the processing of Personal Data concerning its clients, underlying insureds, employees, business partners and others and to respect their fundamental rights and privacy in accordance with applicable laws.

SCOR’s Data Protection Officer

SCOR has appointed a Data Protection Officer who is bound by secrecy and confidentiality concerning the performance of his/her duties. SCOR’s Data Protection Officer is:
 
Claire Juillard
5 Avenue Kleber
75795 Paris Cedex 16
France
Email: privacy@scor.com

Questions or inquiries concerning SCOR’s processing of Personal Data should be directed to SCOR’s Data Protection Officer.

Why We Process Personal Data

When an Insurer issues an insurance Policy to an Insured, the Insurer needs to know certain information about the Insured. The Insurer typically collects such information from the Insured during the process of underwriting the Policy. This information is necessary to evaluate the risk presented by the Insured.
 
When SCOR, as a Reinsurer, enters into a Reinsurance Agreement or Treaty with an Insurer to provide reinsurance coverage, that coverage is usually linked to a Policy, or group of Policies, that the Insurer has written with its own Insured(s). Like an Insurer, the Reinsurer needs to know certain information about the Insured(s). For this reason, the Insurer transmits some data about the underlying Policy(ies) and the associated Insured(s) to the Reinsurer. Some of this data is Personal Data.
 
In a similar manner, SCOR may also pass some Personal Data on to its own Retrocessionaires.
 
In connection with the Insurer-Reinsurer relationship or the Reinsurer-Retrocessionaire relationship, SCOR will engage in a variety of exchanges of information including, but not limited to, letters, emails, contractual reporting and other similar activities that necessarily may include Personal Data relating to Insured(s) or business-related Personal Data related to employees of the Insurers, Reinsurers and Retrocessionaires.
 
In addition, SCOR has employees, contractors, interns and other similar types of workers. In the course of its professional relationship with its workers, SCOR will come into possession of Personal Data concerning those workers. SCOR also receives information from prospective workers such as curriculum vitae (CV), resumes, letters of interest and other similar documentation and therefore SCOR also possesses Personal Data about such prospective workers.

Legal Basis for Processing of Personal Data

As described above, SCOR processes personal data pursuant to its legitimate business interest as a data controller and a party to contracts of reinsurance with Insurers. This interest is the fulfilment of its contractual obligations to the Insurer who, in turn, has its own contractual obligations to the Insured. SCOR’s processing of this Personal Data is therefore in the interest of both the Insurer and of the underlying Insured.
 

In addition, SCOR as a reinsurer regulated under French law within the European Union, is required by law to process certain Personal Data for the purpose of establishing reserves and capital requirements, paying claims in a timely manner and otherwise complying with all applicable laws and regulation relating to its business as a reinsurer.
As described above, primarily acting as a Reinsurer , SCOR processes Personal Data, in furtherance of its legitimate business interests, as a data controller and a party to reinsurance agreements  or treaties with Insurers. This interest is the fulfilment of SCOR’s contractual obligations to the Insurer who, in turn, has its own contractual obligations to the Insured. SCOR’s processing of such Personal Data is therefore in the interests of both the Insurer and the underlying Insured.
 
In addition, SCOR as a reinsurer regulated under French law within the European Union, is required by law to process certain Personal Data for the purpose of establishing reserves and capital requirements, paying claims in a timely manner and otherwise complying with all applicable laws and regulations relating to its business as a reinsurer.
 

The Personal Data We Process

The Personal Data provided by Insurers to SCOR may include:
 

  • identifying information such as name, address, occupation and date of birth;
  • information concerning health status and other medical information;
  • information concerning the death, injury or loss to a person that may be covered by a Policy;
  • information concerning certain personal characteristics or habits such as whether a person smokes cigarettes or engages in hobbies or activities that present special insurance risks such as hang gliding or parachuting;
  • other information as may be necessary to evaluate any aspect of premiums, claims or coverages under a Policy.

This data is usually provided to SCOR pursuant to contracts between SCOR and the Insurers. In a similar manner, SCOR may provide the same type of Personal Data to its Retrocessionaires, again pursuant to contractual agreements between them. Where those Retrocessionaires are located outside of the European Union, SCOR has entered into appropriate data transfer agreements. In addition, SCOR also maintains a Data Transfer Agreement covering transfers of Personal Data amongst SCOR subsidiaries. SCOR has adopted technical and organizational measures to provide a satisfactory level of protection of such data transferred outside of the European Union.  You may request, through SCOR’s Data Protection Officer, that SCOR inform you as to whether your Personal Data in SCOR’s possession has been sent to one or more of our Retrocessionaires and, if so, the identity(ies) of such Retrocessionare(s). You may also request that SCOR’s Data Protection Officer provide you with a copy of the Data Transfer Agreement(s) applicable to your Personal Data.
 

Our Processing of Personal Data

SCOR’s processing of Personal Data is for one or more of the following purposes:

  • Provision of Reinsurance Coverage – SCOR processes Personal Data for the purpose of identifying, evaluating, underwriting, reserving and making claims payments relating to specific underlying Insureds. SCOR does not conduct automated decision-making activities within the European Union. While SCOR does not engage in profiling as part of its business, one might consider underwriting to be a form of profiling. In this regard, underwriting means that SCOR may review Personal Data concerning a person– such as age, height, weight, occupation, gender, medical history, hobbies or recreational activities, personal habits affecting health such as smoking cigarettes – in order to make a determination as to the risk of mortality (risk of dying) or morbidity (risk of sickness or health problems). The results of this underwriting may be passed on to the Insurer who in turn may utilize the information in deciding whether to issue life or health insurance and at what price.
     
  •  Obtaining Reinsurance Coverage – As described above, SCOR may purchase its own reinsurance coverage from Retrocessionaires. In this regard, SCOR may provide information to its Retrocessionaires that is similar to the information provided to SCOR by Insurers, as described above.
     
  • Financial Calculations – SCOR is required to evaluate its business and to perform a variety of calculations based on such evaluations. These include establishing reserves for the payment of present or future claims and establishing the capital needed to operate SCOR’s business.
     
  • Statistical Analysis and Studies – Both in conjunction with the required financial calculations described above as well as SCOR’s own understanding of its business needs, SCOR may conduct studies of the loss experience of its business in the past. These studies help SCOR make projections into the future. 
     
  • Fraud monitoring and prevention – SCOR regularly reviews certain aspects of Personal Data, such as names, dates of birth, addresses and countries of residence to monitor and prevent insurance fraud. This process helps SCOR ensure that it and its clients do not engage in any business transactions, or enable any business transactions, that are part of any fraudulent scheme.
     
  • Communication, Marketing and Training – SCOR may send professional letters, emails or other correspondence and communications, provide trainings to the employees of its business clients, prospective clients, brokers, or other individuals with whom it does business or who may be involved in one or more business transactions with SCOR. Similarly, SCOR may send newsletters, notices and similar information to individuals in the reinsurance and insurance industry.
     
  • Screening and Review – SCOR regularly screens certain aspects of Personal Data, such as names, dates of birth, addresses and countries of residence against lists provided by governments or organizations relating to sanctions, embargoes, money laundering, politically exposed persons and other similar subjects. SCOR may also undertake a review and evaluation of transactions or proposed transactions to determine whether there is or may be money laundering or terrorism activity. This process helps SCOR ensure that it does not engage in any business transactions, or enable any business transactions, with regard to any sanctioned individuals or legal entities.
     
  • Human Resources – SCOR collects and processes Personal Data in order to establish an application for a specific job advertisement or as an unsolicited application, in particular, for the following purposes: checking and assessing suitability for the position to be filled, performance and behavioral evaluations to the extent allowed by applicable law, if necessary for registration and authentication for application via SCOR’s website, if necessary for drawing up any employment contract.

Storage – With the exception of certain Personal Data originating from outside the European Union, SCOR stores all personal data in the European Union.
 
Retention – SCOR retains Personal Data pursuant to a data storage and retention schedule that is designed to keep Personal Data for so long as SCOR may be required to keep it in order to manage its business and for a reasonable period thereafter. In some instances, SCOR may be required to keep Personal Data for a specified period of time, but in the absence of a specific legal requirement SCOR will keep Personal Data relating to underlying Insureds for a reasonable period beyond the date when SCOR no longer reinsures the risk or is potentially liable to pay claims, whichever is later.

 

Your Right to Access and Correct Your Personal Data

You have the right to know if SCOR has any of your Personal Data. In the event you wish to see a copy of the Personal Data SCOR has concerning you, please contact SCOR’s Data Protection Officer. SCOR will investigate your request promptly.
 
If after reviewing your Personal Data in SCOR’s possession, you determine that there is an error(s), you may request the error(s) be corrected. If you make such a request, SCOR will investigate and, if appropriate, correct any errors promptly.
 

Your Right to Object to Processing of Your Personal Data and/or Restrict Processing

If you desire to object to SCOR’s processing of your Personal Data or if you desire to have SCOR restrict its processing of your personal data, you may lodge an objection and/or request for restriction of processing with SCOR’s Data Protection Officer. If you make such a request, SCOR will investigate and, if appropriate, cease processing of your Personal Data or, if applicable, restrict processing of your Personal Data, promptly.  However, under applicable law and SCOR’s contractual obligations, your objection and/or request for restriction does not automatically mean that SCOR is required to stop processing your Personal Data, or that SCOR must delete it or restrict its processing of it.
 

Your Right to have SCOR Erase Your Personal Data and Withdrawal of Your Consent to Process

If you desire to request that SCOR erase your Personal Data or you have or wish to withdraw your consent to process your Personal Data, you may make your request to our Data Protection Officer. If you make such a request, we will investigate and, if appropriate, erase your Personal Data and/or cease to process your Personal Data promptly. However, under applicable law and our contractual obligations your request does not automatically mean that we are required to stop processing your Personal Data, or that we delete it.

Your Right to Have SCOR Assist You in Moving Your Personal Data

Although we consider it to be very unlikely given the nature of our business, if you desire to request that SCOR assist you with moving your Personal Data to another Reinsurer or Insurer, you may make your request to our Data Protection Officer. If you make such a request, we will investigate and, if appropriate, provide such assistance promptly. However, under applicable law and our contractual obligations your request does not automatically mean that we are required to stop processing your Personal Data, or that we delete it.
 

Your Right to Object to Processing of Your Personal Data and/or Restrict Processing

Although we consider it to be very unlikely given the nature of our business, if you desire to request that SCOR assist you with moving your Personal Data to another Reinsurer or Insurer, you may make your request to our Data Protection Officer. If you make such a request, we will investigate and, if appropriate, provide such assistance promptly. However, under applicable law and our contractual obligations your request does not automatically mean that we are required to stop processing your Personal Data, or that we delete it.

Changes to this Privacy Notice

Your Right to have SCOR Erase Your Personal Data and Withdrawal of Your Consent to Process
If you desire to request that SCOR erase your Personal Data or you wish to withdraw your consent to the processing of your Personal Data, you may make your request to SCOR’s Data Protection Officer. If you make such a request, SCOR will investigate and, if appropriate, erase your Personal Data and/or cease to process your Personal Data promptly. However, under applicable law and SCOR’s contractual obligations your request does not automatically mean that SCOR is required to stop processing your Personal Data, or to delete it.

Your Right to Have SCOR Assist You in Moving Your Personal Data


Although SCOR considers it to be very unlikely given the nature of its business, if you desire to request that SCOR assist you with moving your Personal Data to another Reinsurer or Insurer, you may make your request to SCOR’s Data Protection Officer. If you make such a request, SCOR will investigate and, if appropriate, provide such assistance promptly. However, under applicable law and SCOR’s contractual obligations your request does not automatically mean that SCOR is required to stop processing your Personal Data, or to delete it.

Your Right to Complain


Although SCOR always makes every effort to address concerns of which it is made aware, you have the right to lodge a complaint with a supervisory authority concerning SCOR’s processing of your Personal Data.

Changes to this Privacy Notice


SCOR keeps its privacy notice under regular review. This privacy notice was first published on May 25, 2018 and last updated on October 4, 2021.

 

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COOKIES AND TRACKERS

This policy tells you what cookies are placed on your terminal when you visit SCOR’s site, what information SCOR collects through such cookies or what information is collected by third parties and how SCOR uses such information. This policy relating to cookies and trackers also aims to inform you of your rights, in particular your right to object to the processing.

1.    What is a cookie ?

Cookies and trackers are small text files placed on your terminal (computer, smartphone, tablet etc.) by a website. When you visit certain pages of SCOR’s website to search, play videos or download information, for a limited time SCOR collects and stores certain information related to your visit through cookies. 

2.    What are the cookies used by SCOR site?

The cookies used on this site are set by SCOR or by third parties.

2.1. Cookies issued by SCOR and its host service provider

SCOR uses cookies that are strictly necessary for the operation of the site (so-called "technical" cookies). They are used by the host service provider to manage the site and for security purposes. They also allow you to use the essential functions of the site and cannot therefore be deactivated.


For these cookies SCOR and the publisher of its website are responsible for the data processing. 
These are the technical cookies SCOR uses:

Name of Cookie Purpose of processing Description of the Cookie Period of validity
SESS* Allow user identification during navigation This Cookie designed to identify the current user session and allow interaction with the site. This cookie is sent with each user request to identify their session. 23 days
cookie-agreed Allow to register the choice expressed by the user of the site concerning the use of cookies.    This cookie stores your cookie preferences 100 days
cookie-agreed-categories Allow to register the choice expressed by the user of the site concerning the use of cookies.  This cookie records which services are allowed. 100 days
cookie-agreed-version Allow to register the choice expressed by the user of the site concerning the use of cookies This cookie stores the version of the cookie management module. 100 days
TS01882921 Security of Website Security checks (non alteration of domain/subdomain, DDoS prevention, CSRF detection) Remains active as long as the browser remains open
TS01f21b9b Security of Website Security checks (non alteration of domain/subdomain, DDoS prevention, CSRF detection) Remains active as long as the browser remains open

 

2.2. Cookies published by third parties

SCOR uses cookies issued by third parties for the purposes set out below. Their use is subject to your consent and to the confidentiality rules determined by these third parties.

2.2.1 Cookies set by YouTube (video access and streaming)

YouTube is used by our site to host and display video content. These cookies are set by YouTube to track the use of their services.

For more information you can read YouTube's terms of use for cookies  How Google uses cookies – Privacy & Terms – Google

Name of Cookie Purpose of processing Description of the Cookie Period of validity
VISITOR_INFO1_LIVE Functional A cookie that YouTube sets to measure your bandwidth to determine whether you have the new or old interface. 6 months
YSC Statistics This cookie is set by YouTube video on pages with embedded YouTube videos. It records a unique identifier to keep statistics on the videos the user has viewed Remains active as long as the browser remains open

 

2.2.2 Cookies set by Google Analytics

Google Analytics is a web analytics service provided by Google Inc. ("Google"), to help SCOR understand how users use this website.
Information on the use of SCOR’s website, including your IP address, may be transmitted to Google and stored on its servers. The reports made with this information will help SCORto obtain anonymous statistics about the use of its website. 

Name of Cookie Purpose of processing Description of the Cookie Period of validity
_gat Estimated server power requirements Reduces the rate of queries 1 minute
_ga Statistics Allows to distinguish visitors for analysis purposes (Website content managers and normal website visitors) 2 years (It is possible to reduce the lifetime in the Google Analytics tool but we do not have control over this) Google proposes a lifetime of 13 months but you must configure it yourself.
_gid Statistics Allows to distinguish visitors for analysis purposes (Website content managers and normal website visitors) 24 hours


2.2.3 Cookies set by Pardot

Pardot is a marketing service provided by Salesforce Inc. ("Salesforce"), to assist SCOR in understanding the use of its websites.

Name of Cookie Purpose of processing Description of the Cookie Period of validity
scor_pardot_* Gathering of information about the content useful to the user

Allows the user who wishes to download or view protected content from our website to be identified for the next connection and to know what content you are interested in.

Pardot Cookies and Activity Tracking (salesforce.com)

365 days

3. How your consent is collected? 

When you first visit SCOR’s site, you are informed about the use of cookies and are offered the opportunity to accept the use of certain cookies, by the display of a dedicated banner. If you expressly accept, you consent to the use of cookies on your terminal. You can set the parameters of the cookies that you authorize and modify your choices at any time. If you expressly refuse, SCOR does not place cookies on your terminal. 

4. How is your right to object to cookies managed?

If you do not want cookies to be used on your terminal through SCOR’s site, an opt-out cookie will be placed on your equipment so that SCOR can record the information that you have objected to the use of cookies. If you delete this refusal cookie, it will no longer be possible to identify you as having refused the use of cookies.

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5. Removal of cookies

You can de-activate cookies used on SCOR’s website by selecting parameters on your web browser.
 
These parameters allow you to: 
 

  • Systematically oppose all cookies or refuse on a case by case basis
  • Be notified when any cookie is dropped on your computer, and accept it on a case by case basis

Please note that de-activating some cookies will prohibit you from using functions of the SCOR website.
You will find how to access the configuration menu of your browser below: 

The ‘Help’ menu of your browser may provide additional information or guidance on the subject. 
 
Internet Explorer:
Click on ‘Tools’, and then on ‘Internet option’. 
Under ‘General’ section and ‘Browsing history’, click on ‘Setting’.
Click on ‘View the files’. 
Click on ‘Name’ to select files beginning by ‘Cookies’. 
Select cookies including ‘SCOR’ that you want deleted. Make a right-click on the selected files and then click on ‘Remove’. 
Close the window and then click 2 times on ‘OK’ to return to your browser. 
 
Safari:
Click on the section ‘Tools’ of your browser and then select the options menu. 
In the window that is displayed, choose ‘Privacy’ and click on ‘View all cookies’. 
Detect files including ‘SCOR’. Select the files that you want deleted and click on ‘Remove’. 
 
Google Chrome:
Click on the icon   and then open the parameters menu. 
Click on ‘Open the advanced settings’. 
In the menu ‘Confidentiality’, click on the section ‘Content parameters’. A window named ‘Content parameters’ will display.
Under the ‘Cookies’ tab, 4 options allows a global management of the cookies. 
For a detailed management, click on ‘Manage the exceptions’. 
To display the list of the cookies placed on your computer, click on ‘Cookies and website data’. Then you can select SCOR cookies that you want deleted and click the cross on the right of cookies title to remove it. 
Click on ‘OK’ to get back your browser.
 
Appendix 1 & 2 : SCOR Companies by Location that Process Non-Employee Personal Data and the Mechanism of Protection for Intra-Group Transfers of Personal Data and the List of countries of Retrocessionnaires.