Guest Travel Insurance Privacy Policy for the European Union

Please note that this Subpage supplements our Main Privacy Policy and the Outside the United States Subpage and applies in respect of additional data processing which is carried out by us in order to provide Guest Travel Insurance through the Airbnb platform.

1. Application

This Subpage (“Subpage”) provides additional information about the processing of personal data of individuals residing in the EU in connection with insurance policies and claims through the Guest Travel Insurance made available through Airbnb.

2. Who Controls My Personal Information

2.1 Controller

Where this Subpage mentions “Airbnb,” “we,” “us,” or “our,” it refers to Airbnb Ireland UC, which is the Airbnb entity responsible for your information and data controller if you reside in the EU in respect of booking information necessary to provide the Guest Travel Insurance. Note that the Guest Travel Insurance product is distributed and provided by our partners Aon Iberia Correduria de Seguros y Reaseguros S.A.U. (“Aon Iberia”) and Europ Assistance S.A., Irish Branch (“Europ Assistance”), who act as independent data controllers of your personal data.

2.2 Contact Us

To contact the Data Protection Officer (DPO) for Airbnb click here. To contact our partners who distribute and underwrite the Guest Travel Insurance Product see our partner’s privacy notices provided with the Guest Travel Insurance product.

3. Personal Information We Collect

Purchasing Guest Travel Insurance is optional and if you choose to make this purchase, we’ll collect the below information for the purposes set out on this Subpage:

3.1 Personal Information You Choose to Give Us

• Contact information, booking information. We collect your first name, last name, email address, date of birth, postal address and phone number. We also collect information about your trip to create the policy.
  

3.2 Personal Information We Collect from Third Parties

• If you submit a claim under a Guest Travel Insurance Policy, you can do so through the insurance provider, Europ Assistance. Europe Assistance then sends us your claim status (i.e. draft, submitted, reviewed, approved, closed, denied) so that if you contact us to appeal or dispute Europ Assistance’s decision, we can direct your message back to Europ Assistance. Europ Assistance will share certain claim information such as claim type, status, claim reason and when it was processed to assure the effectiveness of the travel insurance program.

4. How We Use Personal Information We Collect

We use the Personal Information we Collect for the following purposes.

4.1 Create and Manage Your Insurance Policy. 

Such as to:

• Collect the information required to create your policy;
• Make changes to your policy if you decide to change your trip, or change your policy;
• Cancel your policy if you decide to cancel your reservation or your policy.

4.2 Improve and Develop our Product. 

Such as to:

• Perform analytics, debug and conduct research;
• Improve the user experience;
• Provide customer service and training.

4.3 Create and Maintain a Trusted and Safer Environment. 

Such as to:

• Detect and prevent fraud and security incidents.

5. Sharing and Disclosure

We work with our partners to provide you this insurance product. The travel insurance is underwritten by Europ Assistance and offered by the insurance intermediary Aon Iberia. As such, we share certain data with them as set out below:

• Europ Assistance is the insurance company underwriting travel insurance for Airbnb guests. We send them the Personal Information We Collect to enable them to price and provide your travel insurance policy.
• Aon Iberia, as insurance broker, and Europ Assistance, as insurance company, are licensed to sell insurance products in the EU. We send them information about your insurance policy, your trip, and personal information including your name, contact details and date of birth, and any other information that is required to meet their obligations in connection with the Guest Travel Insurance product, including any legal and regulatory obligations, in order to complete the purchase.

7. Your Rights

You benefit from rights pursuant to applicable law. While some of these rights apply generally, certain rights apply only in certain limited cases. We may ask you to verify your identity and request before taking further action on your request. See here for more detailed information about your data subject rights requests and how to submit a request.

You have the right to lodge complaints about our data processing activities by filing a complaint with our Data Protection Officer who can be reached by the “Contact Us” section above or with your local supervisory authority or our lead supervisory authority, the Irish Data Protection Commission.

8. Retention

We retain information related to the Guest Travel Insurance program for a period of four years to fulfil our contractual obligations to you and improve your experience on the Airbnb platform.

9. Operating Globally and International Transfers

As explained above, in order to provide Guest Travel Insurance, we share the Personal Information We Collect with Aon Iberia and Europ Assistance. We have established the necessary means to ensure an adequate level of data protection for any information transferred outside the EU. For any information transferred from the EU to the United Kingdom a European Commission adequacy decision applies. We have also put in place standard contractual clauses within Airbnb and with the relevant third parties to protect personal data and comply with data protection law. We will provide further information on the means to ensure an adequate level of data protection, such as a copy of the EU Model Clauses, on request.