Privacy Policy

(FL-0001.045.326-5)

Conscientious handling of your personal data and the protection of your privacy are important to us. We treat the personal data that we process as part of our activities with the utmost degree of care. We use state-of-the-art information technology to ensure the best possible data security for your data. Our employees are bound by a confidentiality obligation and are regularly trained on data protection. In providing our services, we process your personal data in accordance with the Swiss Data Protection Act (DSG) and the European General Data Protection Regulation (GDPR), where applicable.

 

Privacy policy

1. Introduction
2. Responsibility
3. Scope of application
4. Importance of correct personal data
5. What data do we process and how do we obtain it?
6. For what purposes do we process your data?
7. On what basis do we process your data?
8. To whom do we disclose your data?
9. Is your personal data also sent abroad?
10. How long do we process your data?
11. How do we protect your data?
12. What rights do you have?
13. Automated decision making
14. Do we use cookies and tracking pixels?
15. What data do we process on our page in social networks?
16. Can this privacy policy be amended?

1. Introduction

The Howden Group (hereinafter also referred to as "Howden", "we" or "us") processes personal data concerning you or other persons (so-called "third parties"). We use the term "data" here synonymously with "personal data". We determine the purposes for which and the manner in which personal data is collected, used and processed.
In this data protection declaration, we provide information on which personal data we process in connection with our activities and operations, including our websites.
The Howden Group consists of Howden Switzerland Holding Ltd., Haakon Ltd., Howden Switzerland Ltd., Swibro Ltd., H1 Underwriting Services Ltd., Vorsorge Partner AG, BSC Broker Service Center GmbH, IT Xpert AG, Perennial Ltd., Howden Liechtenstein AG and Howden Sky Ltd.
"Personal data" means data relating to identified or identifiable natural persons.
"Data subject" is a person about whom we process personal data.
"Processing" means any operation performed on personal data (e.g. obtaining, storing, using, adapting, disclosing and deleting).
Our privacy policy complies with the EU General Data Protection Regulation (GDPR), the Swiss Data Protection Act (DSG) including the Swiss Data Protection Ordinance (DSV), whereby the applicability varies depending on the individual case.

2. Responsibility

The Howden company that initiates the respective data processing (e.g. provides the service with which you have concluded a contract, maintain a business relationship or whose website you visit) is responsible for the data processing and is the contact person:

2.1. Howden Switzerland Holding Ltd.
Controller in connection with services provided by Howden Switzerland Holding Ltd. is:
Howden Switzerland Holding Ltd.
Industriestrasse 8
6300 Zug
[email protected]

2.2. Howden Re Switzerland Ltd.
Controller in connection with services provided by Howden Re Switzerland Ltd. is:
Howden Re Switzerland Ltd.
Elisabethenanlage 11
4051 Basel
[email protected]

2.3. Howden Switzerland Ltd.
Controller in connection with services provided by Howden Switzerland Ltd. is:
Howden Switzerland Ltd.
Industriestrasse 8
6300 Zug
[email protected]

2.4. Swibro Ltd.
Controller in connection with services provided by Swibro Ltd. is:
Swibro Ltd.
Zwinglistrasse 11
9000 St. Gallen
[email protected]

2.5. H1 Underwriting Services Ltd.
Controller in connection with services provided by H1 Underwriting Services Ltd. is:
H1 Underwriting Services Ltd.
Grellingerstrasse 9
4052 Basel
[email protected]

2.6. Vorsorge Partner AG
Controller in connection with services provided by Vorsorge Partner AG is:
Vorsorge Partner AG
Pestalozzistrasse 2
9000 St. Gallen
[email protected]

2.7. BSC Broker Service Center GmbH
Controller in connection with services provided by BSC Broker Service Center GmbH is:
BSC Broker Service Center GmbH
Picardiestrasse 3A
5040 Schöftland
[email protected]

2.8. IT Xpert AG
The controller in connection with services provided by IT Xpert AG is :
IT Xpert AG
Picardiestrasse 3A
5040 Schöftland
[email protected]

2.9. Perennial Ltd.
The controller in connection with services provided by Perennial Ltd. is :
Perennial Ltd.
Le Trési 6 A
1028 Préverenges
[email protected]
 
2.10. Howden Liechtenstein AG
The controller in connection with services provided by Howden Liechtenstein AG is the:
Howden Liechtenstein AG
Im Bretscha 2
9494 Schaan (FL)
[email protected]

2.11. Howden Sky Ltd.
The controller in connection with services provided by Howden Sky Ltd. is :
Howden Sky Ltd.
Im Bretscha 2
9494 Schaan (FL)
[email protected]

3. Scope of application

Our Privacy Policy governs the collection and further processing of personal data when using the website https://howdengroup.com/ch-de or other websites operated by us (hereinafter collectively referred to as "Website"), services and products, in the context of contractual relationships and when communicating with us. We reserve the right to inform you separately about additional data processing activities that are not listed in this privacy policy, for example by means of declarations of consent or additional data protection notices.

4. Importance of correct of personal data

In order to provide our services and conduct our business activities, we rely on accurate personal data. We ask you to inform us of any changes to personal data relevant to the proper management and administration of the insurance policies and/or the services provided (e.g. contact details and bank account information). If you also provide us with data of third parties (e.g. employees, acquaintances, family members), we assume that they are authorized to do so and that this data is accurate. Please ensure that these individuals have been informed about our privacy policy.

5. What data do we process and how do we obtain it?

We mainly process personal data that you provide to us.
It is necessary for our business relationship that you provide us with the required personal data, as we are usually unable to conclude or execute a contract with you without this information.
In addition, we process personal data provided by policyholders, insured persons, insurers or authorized third parties, including our business partners and other persons involved. We also process publicly accessible data (e.g. from debt collection registers, land registers, commercial registers, media) as well as automatically collected data (e.g. through the use of our website). Furthermore, we receive data from other companies in Howden, from authorities and from other third parties, provided this is legally permitted.
The categories of personal data that we process include, among others:
-       Contact details, personal and identification data: e.g. name, address, e-mail address, telephone/mobile number, date of birth, gender, nationality, creditworthiness data, passport number, identity card, social security number, pension fund insurance number, ethnicity, marital status, lifestyle, insurance needs.
-       Online and technical data: e.g. digital location data, IP addresses, browser history, social media handles, computer, device and connection information, usage data, cookie IDs, registration data (e.g. user name and password).
-       Bank, financial and payment data: e.g. account number, payment method, credit rating, salary, account balance, credit/debit card numbers, bank details, premium receipts, outstanding payments, reminders, credit balances, social security benefits.
-       Health data: e.g. allergies/intolerances, patient files, state of health, examination results/diagnosis, impairments, medical certificates.
-       Biometric data: e.g. hand scans.
-       Insurance data: e.g. broker mandates, analyses and reports, application data, service offers, data from insurance policies, collection data, claims data, benefit and pension claims, retirement date, benefit-relevant events, information on the insured risk, expert opinions, information from the previous insurer on the claims history, contract term, insured risks.
-       Professional data and employment data: e.g. function, assessment/work references, performance, character traits, behavior, absences, education and training, objectives, employee number, employment status, professional experience, qualifications, memberships.
-       Activity and event data: e.g. holding meetings, interest and participation in events.
-       Communication data: e.g. emails, letters, telephone calls, video conferences, chat logs, responses to messages and other interaction data. 
-       Legal and compliance data: e.g. data from official/judicial proceedings, data in connection with sanctions, recordings from security cameras, visitor data, log data, data on the exercise of shareholder rights.
-       Photos/videos other than security recordings and data on the use of our infrastructure that go beyond general activity data.
-       Other data: e.g. professional information other than direct employment status, driver data for vehicles, details from correspondence and meetings with third parties, as well as information from your environment such as family and advisors.

6. For what purposes do we process your data?

Taking into account the legal requirements, we process personal data in particular for the following and related purposes (e.g. secondary use of your data as for statistical evaluations, research, training of our proprietary AI, etc.):

6.1. Conclusion and fulfillment of the contract
We process personal data, among other things, in the context of contract initiation, administration, contract fulfillment and contract processing, the provision, administration and execution of our services, in the context of tenders, preparation of offers, risk management, credit checks, advice and support, claims assessment and processing and premium calculation.

6.2. Payment processing
In addition, we process personal data for the processing of payments (e.g. with regard to insurance premiums and their adjustments).

6.3. Corporate management
We also process data for the purposes of our risk management and in the context of prudent corporate governance, including business organization and corporate development. In particular, we process data for our administration, accounting and to ensure our operations (e.g. IT).

6.4. Applications
If you apply for an open position with us, we will process the personal data you provide to carry out the application process and to contact you in this regard.
In the application process, we only share your personal data with persons who are involved in the application process, such as recruiting managers or your future supervisor. If there is a legal obligation to report, your personal data will be reported to the authorities.
At the end of the application process, your personal data will be deleted within 6 months if we have filled the position elsewhere. Subject to your consent, your personal data may be stored for future vacancies beyond the aforementioned period. If no suitable vacancy arises within 2 years, your personal data will be permanently deleted.
If your application results in the conclusion of an employment contract, your personal data will be processed for the purposes of the employment relationship.
Please note our privacy policy for applicants and for employees.

6.5. Compliance with legal and regulatory requirements:
We process personal data to comply with laws, instructions and recommendations from authorities and internal regulations. We also process personal data for investigations within the scope of our legal and regulatory obligations, including the Anti-Money Laundering Act, insurance supervision law and requirements relating to the financing of terrorism. In particular, this includes authentication and identification as part of "Know Your Customer" processes, necessary clarifications and notifications as well as the processing of data in the course of official investigations. We carry out regular sanction screenings.

6.6. Marketing and development
We continue to process your data for market research, to improve our services and operations and for product development.
We conduct market and opinion research in order to continuously develop and improve our products and services. We also offer other relevant products and services and communicate these through promotional material. Furthermore, we process personal data in the organization and implementation of events and seminars and in the context of relationship management.

6.7. Log data
When you visit our website, certain data is automatically stored on our servers or on servers of services and products that we purchase and/or have installed for system administration, for statistical or backup purposes or for tracking purposes. These are
-       the name of your Internet service provider;
-       Your IP address (under certain circumstances);
-       the version of your browser software;
-       the operating system of the computer used to access the website;
-       the date and time of access;
-       the website from which you visit the website;
-       the search terms you used to find the website.

6.8. Communication
We process personal data in order to communicate with customers and third parties and to respond to their inquiries and comments. We also process personal data for the administration, investigation or settlement of claims or complaints, in particular with regard to insurance policies and services provided.

6.9. Security
We may also process your data for security purposes and for access control. We use video surveillance and IT, building and system security measures to ensure security. We also conduct internal investigations to prevent and detect fraud and other criminal offenses.

6.10. Legal claims and official procedures
We take an active role in asserting legal claims and defending ourselves in legal disputes. For example, we use this data to settle disputes, to enforce agreements and to pursue debtors and collect outstanding debts.

6.11. Business transactions
We process personal data in the context of business transactions (e.g. purchase and sale of business divisions, parts of companies or companies) and activities under company law. We also process personal data as part of our company management and further development, in particular by transferring business records to successor companies and due diligence checks for transactions.

7. On what basis do we process your data?

7.1. Consent
If we ask for your consent for certain processing, we will inform you separately about the corresponding purposes of the processing. You can withdraw your consent at any time with effect for the future by sending a corresponding message to [email protected] or [email protected]. Once we have received notification of your withdrawal, we will no longer process your data for the purposes to which you originally consented, unless we have another legal basis for doing so. If you withdraw your consent, this does not change the fact that the data processing carried out prior to withdrawal on the basis of your consent was lawful.

7.2. Initiation or execution of a contract
 We may also base the processing of personal data on the fact that the processing is necessary for the initiation, performance, or execution of a contract with data subjects, such as customers and business partners (or the entity represented by them). In the course of providing services or concluding a contract for such services, we collect and use personal data to the extent necessary. This enables us to take the necessary measures to prepare and process offers and to fulfill our contractual obligations.

7.3. Legitimate interests
We process personal data so that we can fulfill our legitimate interests, in particular in order to fulfill the purposes described above in section 6. 6 described above and the associated objectives and to be able to implement corresponding measures. For example, ensuring IT security, optimizing our services and customer experience and maintaining our business relationships are such legitimate interests.

7.4. Legal and regulatory requirements
We process personal data so that we can comply with our legal and regulatory obligations. For example, we are regulated by supervisory authorities and are obliged to provide our services in accordance with the applicable regulations.
If we process special category of personal data (e.g. health data, information on political, religious or ideological views or biometric data for identification purposes), we may also process your data on the basis of other legal bases, e.g. in the case of mandatory insurance policies, payroll reports or the disclosure of log data in response to official requests.

8. To whom do we disclose your data?

In order to provide our products and services efficiently and to enable us to concentrate on our core competencies, we obtain services from third parties in numerous areas. We transfer your personal data (including special category of personal data) to third parties, in particular to the following categories of recipients:
-       Companies within the Howden Group: We may share personal data with other Howden companies, which may use this data for the same purposes as we do (see section 6). 
-       Insurance market participants: We may exchange your data with other participants in the insurance market. These include, for example, insurance companies, reinsurers, claims adjusters, underwriters, brokers/intermediaries and pension and vested benefits institutions.
-       Service providers: We work with service providers in Switzerland and abroad who process data about you on our behalf as commissioned data processors, as joint controllers or under their own responsibility as controllers. Our service providers include, for example, legal advisors and notary's offices, jointly and severally liable debtors, banks, experts and medical professionals, SaaS companies, CRM providers, IT providers, shipping and logistics companies, advertising service providers, login service providers, cleaning companies, security companies, debt collection companies, credit assessment companies, credit reference agencies, credit agencies, auditors, address verifiers or other verification and risk management agencies. 
-       Co-brokers and their employees: We disclose to our co-brokers such personal data as is necessary for the provision of advice, support and distribution of our products and services and for the calculation of their compensation. If you work as an employee for a co-broker with whom we have concluded a contract, the execution of this contract may result in us disclosing personal data to the company. 
 -       Authorities: We may disclose personal data to offices, courts, law enforcement agencies, supervisory and government bodies and other authorities in Switzerland and abroad if we are legally obliged or entitled to do so or if this appears necessary to protect our interests. This may also include health data. The authorities process data about you that they receive from us under their own responsibility. 
-       Other persons: This refers to other cases where the inclusion of third parties arises from the purposes set out in para. 6 e.g. service recipients, business successors, media and associations in which we are involved or if you are part of one of our publications.
All these categories of recipients may in turn involve third parties, so that your data may also become accessible to them. We can restrict processing by certain third parties (e.g. IT providers), but not by other third parties (e.g. authorities, banks, etc.).

9. Is your personal data also sent abroad?

As explained in section 8, we also disclose data to other parties. These are not only located in Switzerland. Your data may therefore be transferred to Europe as well as to all states and territories on earth and elsewhere in the universe, provided that adequate data protection is in place there in accordance with the decision of the Swiss Federal Council or the European Commission.
If a recipient is located in a country without adequate legal data protection, we contractually oblige the recipient to comply with the applicable data protection law (we use the revised standard contractual clauses of the European Commission for this purpose), unless the recipient is already subject to a legally recognized set of rules to ensure data protection or we cannot rely on an exemption clause. An exception may apply in particular in the case of legal proceedings abroad, but also in cases of overriding public interests or if the performance of a contract requires such disclosure, if you have given your consent or if the data in question has been made generally accessible by you and you have not objected to its processing.
Please also note that data exchanged via the Internet is often routed via third countries. Your data may therefore be sent abroad even if the sender and recipient are located in the same country.

10. How long do we process your data?

We process your data for as long as required by our processing purposes, the statutory retention periods and our legitimate interests in processing, e.g. for documentation and evidence purposes, or if storage is technically necessary. If there are no legal or contractual obligations to the contrary, we delete or anonymize your data after the storage or processing period has expired as part of our normal processes.

11. How do we protect your data?

We take appropriate technical and organizational security measures to protect the confidentiality, integrity and availability of your personal data, to protect it against unauthorized or unlawful processing and to counteract the risks of loss, unintentional alteration, unwanted disclosure or unauthorized access.

12. What rights do you have?

To make it easier for you to control the processing of your personal data, you also have the following rights in connection with our data processing, depending on the applicable data protection law:
 
–           The right to request information from us as to whether we process your data, which data we process, for what purposes and for how long, as well as its origin and the categories of recipients to whom we disclose your data;
–           the right to have us correct data if it is incorrect or incomplete;
–           the right to restrict processing;
–           the right to request the deletion of data;
–           the right to obtain from us the personal data concerning you in a commonly used electronic format or to transmit those data to another controller;
–           the right to object to processing, in particular in the context of direct marketing;
–           the right to demand the cessation of future data processing or disclosure to third parties;
–           the right to withdraw consent where our processing is based on your consent;
–           the right not to be subject exclusively to automated processing (including profiling) which produces legal effects concerning you or similarly significantly affects you.
If you wish to exercise any of the above rights against us (or against one of our group companies) , please contact us by email at [email protected] or [email protected]. So that we can rule out misuse, we must identify you (e.g. with a copy of your ID, if this is not otherwise possible).
Please note that these rights are subject to conditions, exceptions or restrictions under the applicable data protection law (e.g. to protect third parties or business secrets). We will inform you accordingly if necessary.
 
If you do not agree with our handling of your rights or data protection, please let us know. In particular, if you are in the EEA or Switzerland, you also have the right to lodge a complaint with the data protection supervisory authority in your country.
A list of the authorities in the EEA can be found here: https://edpb.europa.eu/about-edpb/board/members_de.
You can contact the Swiss supervisory authority here: https://www.edoeb.admin.ch/edoeb/en/home/adresse.html
You can contact the data protection office in Liechtenstein here: https://www.datenschutzstelle.li/

13. Automated decision making

In some cases, decisions that affect you can be fully automated. In this case, the decisions are made without human involvement. As a general rule, we do not do engage in this practice. Should we provide for such automated decisions in individual cases, we will inform you accordingly.

14. Do we use cookies and do we use tracking pixels?

Please visit our Cookie Policy to learn more about how we use of cookies and tracking pixels.

15. What data do we process on our page in social networks?

We may operate pages and other online presences ("fan pages", "channels", "profiles", etc.) on social networks (e.g. LinkedIn) and other platforms operated by third parties and provide the services described in section 5 and below about you. We receive this data from you and the platforms when you come into contact with us via our online presence (e.g. when you communicate with us, comment on our content or visit our presence). At the same time, the platforms evaluate your use of our online presence and link this data with other data about you known to the platforms (e.g. about your behavior and preferences). They also process this data for their own purposes under their own responsibility, in particular for marketing and market research purposes (e.g. to personalize advertising) and to control their platforms (e.g. what content they show you).

16. Can this privacy policy be changed?

This privacy policy is not part of any contract with you. We may amend this privacy policy at any time. The version published on this website is the current version. In case of any discrepancies between the versions of this privacy policy, the German version shall be prevail.

Last updated: December 2024

Responsible entity:
Howden Sky SA, Ruggel, Branch Office Chur
Oberalpstrasse 16
7000 Chur
Schweiz
Email:[email protected]

Persons
Aris M. Accola, Managing Director

Company Name: Howden Sky SA, Ruggel, Branch Office Chur
Registration number: CHE-493.971.465

Disclaimer
The author assumes no liability for the correctness, accuracy, timeliness, reliability and completeness of the information.
Liability claims against the author for material or immaterial damage resulting from access to, use or non-use of the published information, from misuse of the connection or from technical malfunctions are excluded.

All offers are non-binding. The author expressly reserves the right to change, add to, or delete parts of the pages or the entire offer without prior notice, or to temporarily or permanently cease publication.

Disclaimer for content and links
References and links to third party websites are outside our area of responsibility. It rejected any responsibility for such websites. Access to and use of such websites is at the user’s own risk.

Copyright declaration
The copyrights and all other rights to content, images, photos or other files on this website belong exclusively to Howden Sky or the specifically named rights holders. The written consent of the copyright holder must be obtained in advance for the reproduction of any elements.

Privacy Policy

Howden Sky cares about your privacy

The protection of your privacy and your personal data is important to us. Therefore, Howden Sky collects and uses your personal data exclusively within the framework of the legal provisions such as, in particular, the Swiss Data Protection Law and the General Data Protection Regulation (“GDPR”). With this privacy policy, we would like to inform you about the type, scope and purposes of the collection, use and processing of your personal data by Howden Sky.

Responsible person/contact/data protection officer:
The person responsible for data processing within the meaning of the Swiss Data Protection Law and the General Data Protection Regulation and other data protection laws applicable in the Member States of the European Union and other provisions of a data protection nature is:

Howden Sky SA, Ruggel, Branch Office Chur
Oberalpstrasse 16
7000 Chur
Schweiz
Email:[email protected]

Persons
Martin Accola, President of the Board

Company Name: Howden Sky SA, Ruggel, Branch Office Chur

Data protection officer:
Aris M. Accola
+41 81 286 77 77
[email protected]

General
Based on Article 13 of the Swiss Federal Constitution and the data protection provisions of the Swiss Confederation (Data Protection Act, DSG), every person has the right to protection of their privacy as well as protection against misuse of their personal data. The operators of these pages take the protection of your personal data very seriously. We treat your personal data confidentially and in accordance with the legal data protection regulations as well as this privacy policy.

In cooperation with our hosting providers, we make every effort to protect the databases as well as possible against unauthorized access, loss, misuse or falsification.

We would like to point out that data transmission on the Internet (e.g. communication by e-mail) can have security gaps. A complete protection of data against access by third parties is not possible.

By using this website, you consent to the collection, processing and use of data in accordance with the following description. This website can generally be visited without registration. Data such as pages accessed or names of files accessed, date and time are stored on the server for statistical purposes without this data being directly related to your person. Personal data, in particular name, address or e-mail address are collected as far as possible on a voluntary basis. Without your consent, the data will not be passed on to third parties.

Processing of personal data
Personal data is any information that relates to an identified or identifiable person. A data subject is a person about whom personal data is processed. Processing includes any handling of personal data, regardless of the means and procedures used, in particular the storage, disclosure, acquisition, deletion, storage, modification, destruction and use of personal data.

We process personal data in accordance with Swiss data protection law. Furthermore, to the extent and insofar as the EU GDPR is applicable, we process personal data in accordance with the following legal bases in connection with Art. 6 (1) GDPR:
lit. a) Processing of personal data with the consent of the data subject.
lit. b) Processing of personal data for the fulfillment of a contract with the data subject as well as for the implementation of corresponding pre-contractual measures.
lit. c) Processing of personal data for the fulfillment of a legal obligation to which we are subject under any applicable law of the EU or under any applicable law of a country in which the GDPR is applicable in whole or in part.
lit. d) Processing of personal data in order to protect the vital interests of the data subject or another natural person.
lit. f) Processing of personal data to protect the legitimate interests of us or of third parties, unless the fundamental freedoms and rights and interests of the data subject are overridden. Legitimate interests include, in particular, our business interest in being able to provide our website, information security, the enforcement of our own legal claims and compliance with Swiss law.

We process personal data for the duration required for the respective purpose or purposes. In the case of longer-term retention obligations due to legal and other obligations to which we are subject, we restrict processing accordingly.

Cookies
This website uses cookies. These are small text files that make it possible to store specific information related to the user on the user’s terminal device while the user is using the website. Cookies make it possible, in particular, to determine the frequency of use and number of users of the pages, to analyze behavior patterns of page use, but also to make our offer more customer-friendly. Cookies remain stored beyond the end of a browser session and can be retrieved when you visit the site again. If you do not wish this to happen, you should set your Internet browser so that it refuses to accept cookies.

A general objection to the use of cookies used for online marketing purposes can be declared for a large number of the services, especially in the case of tracking, via the U.S. site http://www.aboutads.info/choices/ or the EU site http://www.youronlinechoices.com/. Furthermore, the storage of cookies can be achieved by disabling them in the browser settings. Please note that in this case not all functions of this online offer can be used.

With SSL/TLS encryption
This website uses SSL/TLS encryption for security reasons and to protect the transmission of confidential content, such as requests that you send to us as the site operator. You can recognize an encrypted connection by the fact that the address line of the browser changes from “”http://”” to “”https://”” and by the lock symbol in your browser line.

If SSL or TLS encryption is activated, the data you transmit to us cannot be read by third parties.

Third party services
This website may use Google Maps for embedding maps, Google Invisible reCAPTCHA for protection against bots and spam, and YouTube for embedding videos.

These services of the American Google LLC use cookies, among other things, and as a result, data is transferred to Google in the USA, although we assume that no personal tracking takes place in this context solely through the use of our website.

Google has undertaken to ensure adequate data protection in accordance with the US-European and the US-Swiss Privacy Shield.

Further information can be found in Google’s privacy policy.

Contact form
If you send us inquiries via the contact form, your data from the inquiry form including the contact data you provided there will be stored by us for the purpose of processing the inquiry and in case of follow-up questions. We do not pass on this data without your consent.

Data Subject Rights
Right to confirmation
Every data subject has the right to request confirmation from the website operator as to whether personal data concerning him or her are being processed. If you wish to exercise this right of confirmation, you may, at any time, contact the Data Protection Officer.

Right of access
Every person affected by the processing of personal data has the right to receive information free of charge from the operator of this website at any time about the personal data stored about him or her and a copy of this information. Furthermore, information may be provided about the following, if applicable:
the purposes of processing
the categories of personal data processed
the recipients to whom the personal data have been or will be disclosed
if possible, the planned duration for which the personal data will be stored or, if this is not possible, the criteria for determining this duration
the existence of a right to obtain the rectification or erasure of personal data concerning him or her, or the restriction of processing by the controller, or a right to object to such processing
the existence of a right of appeal to a supervisory authority
if the personal data are not collected from the data subject: Any available information about the origin of the data.
Furthermore, the data subject has the right to be informed whether personal data have been transferred to a third country or to an international organization. If this is the case, the data subject also has the right to obtain information about the appropriate safeguards in connection with the transfer.
If you would like to make use of this right to information, you can contact our data protection officer at any time

Right to rectification
Every person affected by the processing of personal data has the right to demand the immediate correction of incorrect personal data concerning him or her. Furthermore, the data subject has the right, taking into account the purposes of the processing, to request that incomplete personal data be completed, including by means of a supplementary declaration.
If you wish to exercise this right of rectification, you may contact our data protection officer at any time.

Right to erasure (right to be forgotten)
Any person concerned by the processing of personal data has the right to obtain from the controller of this website the erasure without delay of personal data concerning him or her, where one of the following grounds applies and insofar as the processing is no longer necessary:
The personal data have been collected or otherwise processed for such purposes for which they are no longer necessary.
The data subject revokes the consent on which the processing was based and there is no other legal basis for the processing
The data subject objects to the processing on grounds relating to his or her particular situation and there are no overriding legitimate grounds for the processing, or the data subject objects to the processing in the case of direct marketing and related profiling
The personal data have been processed unlawfully
The erasure of the personal data is necessary for compliance with a legal obligation under Union or Member State law to which the controller is subject
The personal data has been collected in relation to information society services provided directly to a child
If one of the above reasons applies and you wish to arrange for the deletion of personal data stored by theoperator of this website, you can contact our data protection officer at any time. The data protection officer of this website will arrange for the erasure request to be complied with immediately.

Right to restriction of processing
Any person concerned by the processing of personal data has the right to obtain from the controller of this website the restriction of processing if one of the following conditions is met:
The accuracy of the personal data is contested by the data subject, for a period enabling the controller to verify the accuracy of the personal data
The processing is unlawful, the data subject objects to the erasure of the personal data and requests instead the restriction of the use of the personal data
The controller no longer needs the personal data for the purposes of the processing, but the data subject needs it for the assertion, exercise or defense of legal claims
The data subject has objected to the processing on grounds relating to his or her particular situation, and it is not yet clear whether the legitimate interests of the controller override those of the data subject
If one of the aforementioned conditions is met, you can request the restriction of personal data stored by the operator of this website at any time by contacting our data protection officer. The data protection officer of this website will arrange the restriction of the processing.

Right to data portability
Every person affected by the processing of personal data has the right to receive the personal data concerning him or her in a structured, common and machine-readable format. He or she also has the right to have this data transferred to another controller if the legal requirements are met.
Furthermore, the data subject has the right to obtain that the personal data be transferred directly from one controller to another controller, insofar as this is technically feasible and insofar as this does not adversely affect the rights and freedoms of other persons.
To assert the right to data portability, you may at any time contact the data protection officer appointed by the operator of this website.

Right of objection
Any person affected by the processing of personal data has the right to object at any time, on grounds relating to his or her particular situation, to the processing of personal data concerning him or her.
The operator of this website shall no longer process the personal data in the event of the objection, unless we can demonstrate compelling legitimate grounds for the processing which override the interests, rights and freedoms of the data subject, or if the processing serves the purpose of asserting, exercising or defending legal claims.
To exercise the right to object, you may directly contact the Data Protection Officer of this website.
Right to revoke consent granted under data protection law
Every person affected by the processing of personal data has the right to revoke a given consent to the processing of personal data at any time.
If you wish to exercise your right to revoke consent, you may contact our data protection officer at any time.

Contradiction mail
The use of contact data published within the framework of the imprint obligation to send advertising and information materials not expressly requested is hereby prohibited. The operators of the pages expressly reserve the right to take legal action in the event of the unsolicited sending of advertising information, such as spam e-mails.

Copyrights
The copyright and all other rights to the content, images, photos or other files on the website belong exclusively to the operator of this website or the specifically named copyright holders. For the reproduction of all files, the written consent of the copyright holder must be obtained in advance.
Anyone who commits a copyright infringement without the consent of the respective copyright holder may be liable to prosecution and possibly to damages.

Disclaimer
All information on our website has been carefully checked. We make every effort to ensure that the information we provide is up-to-date, correct and complete. Nevertheless, the occurrence of errors can not be completely excluded, so we can not guarantee the completeness, accuracy and timeliness of information, including journalistic-editorial nature. Liability claims regarding damage caused by the use of any information provided, including any kind of information which is incomplete or incorrect, will therefore be rejected.
The publisher may change or delete texts at his own discretion and without notice and is not obliged to update the contents of this website. The use of or access to this website is at the visitor’s own risk. The publisher, its clients or partners are not responsible for damages, such as direct, indirect, incidental, consequential or punitive damages, allegedly caused by the visit of this website and consequently assume no liability for such damages.
The publisher also accepts no responsibility or liability for the content and availability of third-party websites that can be accessed via external links on this website. The operators of the linked sites are solely responsible for their content. The publisher thus expressly distances itself from all third-party content that may be relevant under criminal or liability law or that may offend common decency.

Google Maps
This website uses the offer of Google Maps. This allows us to display interactive maps directly on the website and enables you to comfortably use the map function. By visiting the website, Google receives the information that you have accessed the corresponding subpage of our website. This occurs regardless of whether Google provides a user account through which you are logged in or whether there is no user account. If you are logged in to Google, your data will be directly assigned to your account. If you do not want the assignment with your profile at Google, you must log out before activating the button. Google stores your data as usage profiles and uses them for the purposes of advertising, market research and/or demand-oriented design of its website. Such an evaluation is carried out in particular (even for users who are not logged in) to provide needs-based advertising and to inform other users of the social network about your activities on our website. You have the right to object to the creation of these user profiles, whereby you must contact Google to exercise this right. For more information on the purpose and scope of data collection and processing by Google, as well as further information on your rights in this regard and settings options for protecting your privacy, please visit: www.google.de/intl/de/policies/privacy.

Google Analytics
This website uses Google Analytics, a web analytics service provided by Google Ireland Limited. If the data controller on this website is located outside the European Economic Area or Switzerland, then the Google Analytics data processing is carried out by Google LLC. Google LLC and Google Ireland Limited are hereinafter referred to as “”Google””.
The statistics obtained enable us to improve our offer and make it more interesting for you as a user. This website also uses Google Analytics for a cross-device analysis of visitor flows, which is carried out via a user ID. If you have a Google user account, you can deactivate the cross-device analysis of your usage in the settings there under “”My data””, “”Personal data””.
The legal basis for the use of Google Analytics is Art. 6 para. 1 p. 1 lit. f DS-GVO. The IP address transmitted by your browser as part of Google Analytics will not be merged with other data from Google. We would like to point out that on this website Google Analytics has been extended by the code “”_anonymizeIp();”” to ensure anonymized collection of IP addresses. This means that IP addresses are processed in abbreviated form, which means that they cannot be linked to a specific person. If the data collected about you is related to a person, this is immediately excluded and the personal data is deleted immediately.
Only in exceptional cases will the full IP address be transferred to a Google server in the USA and shortened there. On behalf of the operator of this website, Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity and providing other services relating to website activity and internet usage to the website operator. For the exceptional cases in which personal data is transferred to the USA, Google has submitted to the EU-US Privacy Shield, https://www.privacyshield.gov/EU-US-Framework.
Google Analytics uses cookies. The information generated by the cookie about your use of this website is usually transmitted to a Google server in the USA and stored there. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. You can also prevent the collection of data generated by the cookie and related to your use of the website (including your IP address) to Google and the processing of this data by Google by downloading and installing the browser plugin available at the following link: Disable Google Analytics.
In addition, you can also prevent the use of Google Analytics by clicking on this link: Disable Google Analytics. This will save a so-called opt-out cookie on your data carrier, which prevents the processing of personal data by Google Analytics. Please note that if you delete all cookies on your terminal device, these opt-out cookies will also be deleted, i.e. you will have to set the opt-out cookies again if you wish to continue to prevent this form of data collection. The opt-out cookies are set per browser and computer/end device and must therefore be activated separately for each browser, computer or other end device.

Google WebFonts
This website uses so-called web fonts provided by Google for the uniform display of fonts. When you call up a page, your browser loads the required web fonts into its browser cache in order to display texts and fonts correctly. If your browser does not support web fonts, a standard font is used by your computer.
You can find more information on Google Web Fonts at https://developers.google.com/fonts/faq and in Google’s privacy policy: https://www.google.com/policies/privacy/

Brokerage services
We process the data of our customers, clients and interested parties (uniformly referred to as “”customers””) in accordance with the data protection provisions of the Federal (Data Protection Act, DSG) and the EU-DSGVO in accordance with Art. 6 para. 1 lit. b. DSGVO, in order to provide them with our contractual or pre-contractual services. The data processed in this context, the type, scope and purpose and the necessity of their processing are determined by the underlying order. In principle, this includes inventory and master data of customers (name, address, etc.), as well as contact data (e-mail address, telephone, etc.), contract data (content of the order, fees, terms, information on the mediated companies/insurers/services) and payment data (commissions, payment history, etc.). We may also process information on the characteristics and circumstances of persons or objects belonging to them if this is part of the subject matter of our order. This may be, for example, information on personal circumstances, mobile or immobile tangible property.

Within the scope of our assignment, it may also be necessary for us to process special categories of data pursuant to Art. 9 (1) DSGVO, in this case in particular information on the health of a person. For this purpose, we obtain, if necessary, according to Art. 6 para. 1 lit a., Art. 7, Art. 9 para. 2 lit a DSGVO an explicit consent of the customer.

If necessary for the fulfillment of the contract or required by law, we disclose or transmit the data of the customers in the context of coverage requests, conclusions and processing of contracts, data to providers of the mediated services / objects, insurers, reinsurers, broker pools, technical service providers, other service providers, such as cooperating associations. e.g. cooperating associations, as well as financial service providers, credit institutions and investment companies as well as social security institutions, tax authorities, tax advisors, legal advisors, auditors, insurance ombudsmen and the Swiss Financial Market Supervisory Authority (FINMA), Federal Financial Supervisory Authority (BaFin) or Financial Market Authority (FMA) Liechtenstein. Furthermore, we may engage subcontractors, such as sub-brokers. We obtain consent from customers if this is required for the disclosure/transfer of customer consent (which may be the case, for example, in the case of special categories of data pursuant to Art. 9 DSGVO).

The deletion of the data takes place after the expiry of legal warranty and comparable obligations, whereby the necessity of the retention of the data is reviewed at irregular intervals. In all other respects, the statutory retention obligations apply. In the case of statutory archiving obligations, deletion takes place after their expiry.

Disclaimer
The author assumes no liability for the correctness, accuracy, timeliness, reliability and completeness of the information.
Liability claims against the author for material or immaterial damage resulting from access to, use or non-use of the published information, from misuse of the connection or from technical malfunctions are excluded.

All offers are non-binding. The author expressly reserves the right to change, add to, or delete parts of the pages or the entire offer without prior notice, or to temporarily or permanently cease publication.