Privacy Policy

Guardian Group Fatum's Privacy Statement
Under the General Data Protection Regulation,
General Data Protection Regulation in force from 25 May 2018


  1. Who are we?
  2. Contact details
  3. Personal data that we process
  4. How do we get hold of your data?
  5. For what purpose and on what basis do we process personal data?
  6. Legal basis to use your personal data
  7. Automated decision-making
  8. How long we retain personal data
  9. Sharing of personal data
  10. Cookies, or similar techniques, that we use
  11. Your rights: viewing, changing or deleting data
  12. How we secure personal data
  13. Amendments to this privacy statement

Fatum Holding N.V. (hereinafter Fatum) is part of Guardian Holdings Limited in Trinidad, and is established on the islands of Aruba, Curaçao, Sint Maarten, on the BES islands (Bonaire, Saint Eustatius and Saba) and in the Netherlands.

Framework of this privacy statement.

Fatum is responsible for the processing of personal data as described in this privacy statement. This privacy statement applies to Fatum's legal entities as stated at the end of this statement.

Fatum processes your personal data because you make use of our services and/or because you or your employer provides them to us via your/its advisor/intermediary (hereinafter: advisor) or directly to us via, for example, the website, e-mail or telephone.

L.G. Smith Boulevard 162
P.O. Box 510
Tel: (297) 582 1111
Fax: (297) 582 6138
E-mail: .(JavaScript must be enabled to view this email address)

Kaya Gobernador N. Debrot 35
P.O. Box 152
Tel.: (599) 717 8811
Fax: (599) 717 5222
E-mail: .(JavaScript must be enabled to view this email address)

Cas Coraweg 2
P.O. Box 3002
Tel: (599-9) 777 7100
Fax: (599-9) 736 6333
E-mail: .(JavaScript must be enabled to view this email address)

Sint Maarten
A.J.C. Brewers Road 6
P.O. Box 201
Tel.: (1-721) 542 2248
Fax: (1-721) 542 3127
E-mail: .(JavaScript must be enabled to view this email address)

The Netherlands
Brain Park II
Lichtenauerlaan 102-120
3062 ME Rotterdam
Tel: (31) 10 798 2455
Fax: (31) 10 204 5555
E-mail: .(JavaScript must be enabled to view this email address)

Facebook Guardian Group Dutch Caribbean

Ms. Richeline Martina-Joe is Fatum's Data Protection Officer. She can be reached via e-mail address: .(JavaScript must be enabled to view this email address)

Below you will find an overview of the personal data we process:

a. Name and address data

  • First, middle and last name(s)
  • Gender
  • Date of birth
  • Place of birth
  • Place of residence
  • Nationality
  • Address details
  • Telephone number
  • E-mail address
  • IP Address
  • Other personal data that you actively provide, for example through correspondence, personally, through your intermediary, by telephone and/or via Facebook.


b. Additional data for specific products

For example, your vehicle registration number with a car insurance or your health data or profession with a life insurance, health insurance or accident insurance.


c. Financial data

Including: your bank account number or salary details (e.g. if you have financial products with us).


d. Special and/or sensitive personal data (if applicable)

  • Health (such as health insurance, mortgage, life insurance).
  • Identity number and other data (Sédula, passport, etc.)
  • Marital status
  • Criminal past
  • Genetic data (as in a health declaration)
  • Data of persons under 16 years of age. Our website and/or service has no intention of collecting information about website visitors under the age of 16. Unless they have parental or guardian permission. However, we cannot verify whether a visitor is over 16 years of age. We encourage parents to be involved in their children's online activities in order to prevent the collection of information about children without parental consent. If you believe that we have collected personal information about a minor without that consent, please contact us at .(JavaScript must be enabled to view this email address) and we will delete that information.

Usually we receive your data directly from you.

We receive your data via, among others from:

  • Your intermediary/advisor/mediator.
  • Your employer (in the case of insurance policies taken out by an employer for employees).
  • E-mail, telephone.
  • Messages via Facebook, WhatsApp.
  • Messages on our website.

What data we process from you depends on the contact we have with you. This could be if you, for example:

  • Request information from us.
  • Become or be a customer.
  • Visit our website or Facebook.
  • Apply for a job with us.
  • Register with us to participate in an event organized by us.

We process your personal data for the following purposes:

a. For the performance of our services and the processing of our contractual and/or legal obligation towards you.

  • In order to be able to call or e-mail you if this is necessary to be able to perform our services
  • In order to be able to make a quotation
  • To deliver goods and services to you
  • Carrying out a transaction you have requested
  • In order to assess a risk
  • In order to be able to assess the conditions of a product
  • Carry out/administer your policy/insurance contract
  • Deal with your claims and declarations
  • Handling your payment
  • Inform you about changes to our services and products

b. Marketing activities

  • Sending a possible newsletter and/or advertising brochure
  • Make offers
  • Send invitations for events
  • Registration of participants in events organised by Fatum

c. Improve and innovate

  • Investigating and resolving the causes of complaints
  • Improve processes
  • Development of new products and services
  • Measuring campaign results

d. Reducing risks

e. Detection of fraud

f. To go through an application procedure

Legal basis to use your personal data

  • Your consent

You can withdraw your consent at any time by telephone, email or in person at our office.

  • Legal obligation

As a financial service provider, our legal obligations include the following. If we do not comply with these, we may not enter into an agreement with you or we may terminate it.

  • Obligation of identification. With every transaction, we are obliged to keep a copy of your identification data.
  • If we do not receive any or incorrect information from you about a criminal past.
  • If we conclude an agreement with you on the basis of incorrect information.

Legal principles on the basis of which we may use your personal data:

  • you have given permission
  • we need them to fulfil our agreement with you
  • to comply with legal obligations such as, for example, the identification obligation
  • to investigate fraud, for example.

Fatum takes decisions in certain cases on the basis of automated processing operations on matters that may have (significant) consequences for individuals. These decisions are made by computer programs or systems, without a human being (for example, an employee of Fatum) being involved. Fatum uses a multitude of computer programs or systems, including (not exhaustively): ANVA, WebStar, Ingenium, Compass, Customer Portals, MFiles. 

Fatum does not retain your personal data longer than is strictly necessary to achieve the purposes for which your data are collected. The specific retention periods vary per product/service. Do you have specific questions about this? Please feel free to contact us via .(JavaScript must be enabled to view this email address).

Sharing of personal data

Fatum exchanges data between its departments in order to process your request or to get a better overview of the products and services you have with us.
Data such as your address or date of birth, for example, need only be passed on once.

Third parties
Fatum does not sell your data to third parties and only provides them if this is necessary for the execution of our agreement with you or to comply with a legal obligation.


a. The government
This includes the Central Bank in our jurisdictions, the Netherlands Authority for the Financial Markets, the Police, the Tax and Customs Administration or the Authority for Personal Data, or other supervisors/government bodies if required by law.


b. Service providers
Among others: your insurance advisor, doctor, pharmacy, hospital/clinic, reinsurer, collection agency, lawyers, expertise bureaus, roadside assistance services, emergency number services, claims inspectors and other claims registration companies, IT support.

Other jurisdiction
The customer data managed by us can be stored via so-called "cloud" applications in data centers of service providers selected by us in countries where our local privacy laws do not have legal force, as part of business continuity in order to be able to quickly serve our customers and business relations again after a possible failure of the local systems.

Agreements have been made with the relevant service providers in the countries in question in order to continue to guarantee optimal security of customer data.

Fatum only uses technical and functional cookies. And analytical cookies that do not infringe your privacy. A cookie is a small text file that is stored on your computer, tablet or smartphone the first time you visit this website. The cookies we use are necessary for the technical operation of the website and for your ease of use. They ensure that the website works properly and remembers, for example, your preferred settings. They also enable us to optimise our website. You can unsubscribe from cookies by setting your Internet browser in such a way that it no longer stores cookies. In addition, you can also delete all information previously stored via your browser's settings.

You have the right to view, change or delete your personal data. In addition, you have the right to withdraw your possible consent for the data processing or to object to the processing of your personal data by Fatum and you have the right to data transfer. This means that you can submit a request to us to send the personal data that we hold about you in a computer file to you or another organization named by you. You can send a request for inspection, changing, deletion, data transfer of your personal data or a request to withdraw your consent or objection to the processing of your personal data to .(JavaScript must be enabled to view this email address). To ensure that the request for inspection has been made by you, we ask you to enclose a copy of your proof of identity with the request. We will respond to your request as soon as possible, but within four weeks.

Fatum takes the protection of your data seriously and takes appropriate technical and organizational measures to prevent misuse, loss, unauthorized access, unwanted disclosure and unauthorized modification. If you have the impression that your data is not properly secured or there are indications of misuse, please contact us at .(JavaScript must be enabled to view this email address).

We take measures to use our IT systems and website securely. The physical areas where we store data are secure. Authorised personnel are trained in the processing and management of personal data. There are also agreements with the aforementioned employees about the integrity of the processing of personal data in accordance with laws, regulations and codes of conduct.

This privacy statement may be changed by us if there are changes in legislation or in our organization. The amended statement can always be found on our website

1. Personal data
Any information relating to an identified or identifiable natural person ('the data subject'); an identifiable natural person is one who 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 one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.

2. Processing
An operation or set of operations which is performed upon personal data or sets of personal data, whether or not by automatic means, such as collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, blocking, erasure or destruction of data.

3. Person responsible for processing
A natural or legal person, a public authority, an agency or any other body which, alone or jointly with others, determines the purposes and means of the processing of personal data; where the purposes and means of such processing are laid down in Union or Member State law, it may specify the person responsible for processing or the criteria for designating him or her.


4. Processing agent
A natural or legal person, a public authority, a service or other body that processes personal data on behalf of the person responsible for processing.

5. Third party
A natural or legal person, a public authority, an agency or any other body other than the person concerned, neither the person responsible for processing nor the processing agent, nor the persons authorised to process the personal data under the direct authority of the person responsible for processing or the processing agent.

6. Consent of the data subject
Any free, specific, informed and unambiguous expression of will by which the person concerned accepts, by means of a declaration or an unambiguous active act, the processing of personal data concerning him or her

7. Genetic data
Personal data relating to the inherited or acquired genetic characteristics of a natural person that provide unique information concerning the physiology or health of that natural person, resulting in particular from an analysis of a biological sample of that natural person.

8. Health data
Personal data relating to the physical or mental health of a natural person, including data concerning health services provided which provide information concerning his state of health.

Legal entities
Fatum consists of:


  • Guardian Group Fatum General Insurance Aruba N.V.
  • Guardian Group Fatum Life Aruba N.V.


  • Guardian Group Fatum Holding N.V.
  • Guardian Group Fatum General Insurance N.V.
  • Guardian Group Fatum Health N.V.
  • Guardian Group Fatum Life N.V.


  • Guardian Group Fatum General Insurance N.V.
  • Guardian Group Fatum Life N.V.
  • Guardian Group Fatum Health N.V.


  • Guardian Group Fatum General Insurance N.V.
  • Guardian Group Fatum Life N.V.
  • Guardian Group Fatum Health N.V.