Privacy Statement
If you compare pension or annuity products via our website or take out a pension or annuity through us, you’ll be required to provide personal data. In this statement, we explain why we need your data and how we handle it.
Users of our website can trust that we take security and privacy seriously.
Why We Need Your Data
To enable pension or annuity comparisons, we require personal data. For basic comparisons, only limited data is needed. However, to apply for a pension, annuity savings account, or annuity insurance, more sensitive personal data is required.
What Data Do We Use?
We typically ask for your name, address, email address, phone number, IP address, gender, date of birth, and available lump sum. Occasionally, we may request additional information depending on the product or service.
In nearly all cases, you provide this data to us directly.
For processing applications, we also need special categories of personal data. We treat sensitive data with extra care—these are protected by law or known to be vulnerable to misuse.
Examples include:
Citizen Service Number (BSN): For certain financial products, we request your BSN on behalf of the insurer or financial institution.
Bank account details
Policy or account information from your previous insurer or bank
How We Use Your Data
To deliver the service you’ve requested:
- To create a comparison tailored to you
- To assess your needs and preferences
- To advise which products or services suit your personal situation
- To apply for your chosen product or deliver your selected service
- To track how and when we’ve contacted you
To maintain contact:
- To keep you informed about products or services you’ve requested and similar offerings from us
Additionally:
- To prevent fraud and misuse, and to comply with legal obligations
What Contact Moments Do We Record?
We document as much of our communication with you as possible.
All correspondence and customer contact moments (emails, WhatsApp messages, quotes, letters) are stored in your customer file.
We also create summaries of phone and advisory conversations.
We aim to provide the best possible service. To evaluate this, we may ask for customer feedback afterward.
Sharing Your Data
We may share your data with:
- Technical service providers who help us deliver services to you, such as website hosting or secure data exchange
Parties that calculate premiums or provide pension/annuity information. These may include insurers, banks, or third parties
Parties that help us meet legal obligations or combat fraud
- We do not send data to recipients outside the European Economic Area (EEA).
How Long Do We Store Your Data?
We retain your data as long as necessary—for example, to deliver the requested service, for the duration in which you can file a complaint or legal claim, and as required by law.
Security
Our website and IT systems are well secured.
We continuously take measures to prevent misuse and keep our security systems updated.
All our staff handle your data with the utmost care.
Your Rights, Questions, or Complaints
To request changes or deletion of your personal data, email info@apple-tree.nl or contact Mr. Michael Bieger at 020-4700 920.
When you submit a request for access, correction, modification, or deletion of your data, we aim to process it within 2 weeks.
If we’re unable to meet this timeframe, we’ll inform you.
Of course, we’re happy to assist if you have a complaint about how your data is handled.
If we can’t resolve it together, you may contact the Dutch Data Protection Authority (Autoriteit Persoonsgegevens).
Licenses
Apple Tree operates under the licenses of Oudedags Optimalisator B.V. (trade name: Apple Tree):
Dutch Authority for the Financial Markets (AFM): License number 12002018
Chamber of Commerce (KvK): Number 34125064
Financial Services Complaints Institute (KiFiD): Number 300.000013
Changes to This Privacy Statement
We may update this privacy statement, for example, if laws or regulations change.
The latest version is always available on our website.
This version was last updated on March 11, 2020.
