Privacy Policy

1 Who is responsible for your data?
Apple Tree in Amsterdam is responsible for the processing of your personal data as set out in this privacy policy and cookie policy. We believe it is important to ensure that our services are transparent, personal and reliable. Therefore Apple Tree will treat your data carefully and ensure that the every instance of data processing complies with the applicable laws and regulations.

This privacy and cookie policy sets out, amongst other things, the processing purposes, the data categories, the storage periods, the use of cookies by Apple Tree and the manner in which you can exercise your rights regarding your personal data.

2 When does this privacy and cookie policy apply?
This privacy and cookie policy applies to Apple Tree's processing of its customers' data and to users of this website.

In accordance with the Personal Data Protection Act, Apple Tree registers its processing of personal data with the College Bescherming Persoonsgegevens in The Hague (an authority for data protection). As such, Apple Tree provides the authority with information on what data it processes, for what purposes and to which people or bodies the data is or may be provided.

3 What data do we process?
Apple Tree uses personal data and technical information concerning its customers and the users of this website for different purposes:

3.1 Private customers
If you are or become an Apple Tree customer, we will process some of your personal data for the following purposes.

3.1.1 To be able to assess your eligibility, and then accept you as a customer and offer you an agreement.
What does this entail?
A number of obligations must be met before Apple Tree can accept a customer. For example, Apple Tree must establish your identity in accordance with the legal obligations. If you are eligible to become an Apple Tree customer, Apple Tree will also use your personal data to enter into and execute the agreement with you.

What data will Apple Tree process for this purpose?
Apple Tree will processes your title, name, address details, country of residence, nationality, date of birth, citizen service number (in Dutch: BSN), e-mail address, telephone numbers, and place and country of birth.

How long will Apple Tree store this data for?
If you do not become a customer, Apple Tree will store your data for one year. If you do become a customer, Apple Tree will store your personal data for this purpose for the duration of its relationship with you. When the relationship ends, Apple Tree will retain your personal data for up to five years, in order to fulfil its legal obligations.

3.1.2 To make the agreed financial services and products possible.
What does this entail?
Apple Tree will provide you with the agreed products and services, such as processing the request and assisting with the transfer of your pension capital directly to your chosen insurer.

What data will Apple Tree process for this purpose?
In order to provide the agreed products and services, Apple Tree will process data such as your name, policy number, information on products and services purchased and correspondence.

How long will Apple Tree store this data for?
Apple Tree will store this data for up to five years after its relationship with you ends, in order to fulfil its legal obligations.

3.1.3 To safeguard the security and integrity of the financial sector.
What does this entail?
Apple Tree is a financial institution and therefore contributes to the security and integrity of the financial sector. This includes combating, preventing and investigating actual or attempted criminal or wrongful behavior directed at the financial sector, Apple Tree, its customers and its employees; as well as using and participating in warning systems.

What data will Apple Tree process for this purpose?
For this purpose Apple Tree may process your name, contact details and information relating to suspected wrongful or criminal behavior, such as fraud.

How long will Apple Tree store this data for?
Apple Tree will store this data for up to five years after its relationship with you ends, by reason of its legal obligations.

3.2 Use of the website
When you use this website, Apple Tree will collect and process data for the following purposes:

3.2.1 To manage the functionalities of this website, in some cases through the use of cookies. See paragraph 4 below for more information.
What does this entail?
When you visit this website, we will process a number of technical details related to your use of the site, so that Apple Tree can provide you with the functionalities of the websites. Apple Tree uses this data to manage the websites, amongst other things to improve user friendliness and resolve technical problems. In this way Apple Tree ensures that the website is easy for you to use.

What data will Apple Tree process for this purpose?
For this purpose Apple Tree will process technical information such as your IP address, the type of connection, the browser you use, your computer’s operating system and the pages you visited on the website.

How long will Apple Tree store this data for?
Apple Tree will store the technical data for no longer than necessary for this purpose.

3.2.2 To be able to answer any questions or process any comments you send us via the contact form.
What does this entail?
When you send questions or comments via the contact form, Apple Tree will process the personal data below in order to respond to your question or comment in a satisfactory manner. Apple Tree will also use this data to evaluate and improve its services.

What data will Apple Tree process for this purpose?
Apple Tree wants to address you in the correct manner and therefore you will be asked to enter your gender, initials and surname, address details and e-mail address on the contact form.

How long will Apple Tree store this data for?
Apple Tree will store this personal data for a maximum of five years.

3.3 Storing e-mails with Apple Tree
When you use Apple Tree for e-mail correspondence, Apple Tree will store these e-mails.

What does this entail?
Apple Tree stores e-mails in order to verify and investigate assignments (given) and more generally the services provided. Apple Tree may also store e-mails for the purpose of training, coaching and evaluating its employees. In addition, Apple Tree stores chat conversations or e-mails if it deems this necessary for the prevention of fraud.

What data will Apple Tree process for this purpose?
Apple Tree will process the personal data you provide during the conversation such as your name, address, date of birth and your question or complaint.

How long will Apple Tree store this data for?
Conversations kept for the purpose of verification and investigation will be stored for a period of five years after the contact. If an investigation or legal claim is initiated, this data will remain on file, unless this is in conflict with legislation or regulations. These conversations will be stored for no longer than five years after the contact, if they are used for the purpose of coaching, training and evaluation. Conversations kept for the purpose of fraud prevention will not be stored for longer than five years after the contact.
If the data forms part of a legal file, this data will be stored, unless deletion is required by law or regulations.

4. Access to data
Apple Tree will only provide personal data to regulators, tax authorities and investigative authorities if it is required to do so by law. Under no circumstances will Apple Tree provide your data to third parties for commercial purposes.

5. Your rights
You may ask to see the data on you that Apple Tree processes at any time and to have it corrected or deleted by sending a request to:

Apple Tree
Beethovenstraat 59-1hg
1077 HN Amsterdam

Licenses
Apple Tree is registered under the licenses of Oudedags Optimalisator B.V. (trade name Apple Tree) with:
Autoriteit Financiële Markten (AFM: the dutch authority for the financial markets): license number 12002018
Kamer van Koophandel (KvK: the chamber of commerce): number 34125064
Klachteninstituut Financiële Dienstverlening (KiFiD: the tribunal for financial services complaints): 300.000013

Complaints
In the unlikely event that you have complaints about Pensioenkoers.nl, we ask you kindly to always inform us directly first. We will work with you to find a solution. If you are subsequently still of the opinion that the actions of Pensioenkoers.nl have harmed your interests, you can put it to the KiFiD.

We are allowed to change this privacy statement. For example if there is a change in our laws or regulations. This website always shows the latest version. This version is of May 4th 2023.