Data protection privacy policy

Conditions of use and data privacy 
Data privacy and the secure handling of your data is extremely important to Segurio. The highest priority for Segurio is to protect your personal data when it is being collected and processed, and during your visit to the website.

The data privacy regulations in the valid version are observed. Segurio will store and use the user's stated and current master data and correspondence data as well as all data arising from the business relationship for its services and the associated performances (e.g. management, accounting, data backup, data protection control, support, for studies and requirements-oriented offers, services with additional benefits or improvement of the benefits).
Segurio may use the aforementioned data to send information about products and services or advertising campaigns by e-mail, post, telephone or SMS. The User can revoke the reception of this information at any time by e-mail to dataprotection@segurio.com or by post to the address given in the site notice.

Segurio will use your data in compliance with the applicable data protection regulations and laws.

The operator of the website is: Segurio Online-Services und Versicherungsmakler GmbH.

The website can also be used without giving personal data. If personal data is collected on our website, it is always on a voluntary basis. The data is used exclusively in connection with the purchase of services or listed products.

Personal data
Personal data is data such as name, address, telephone number, e-mail address or date of birth.

The personal data necessary for the implementation of the contract is passed on to the participating product insurers and claim handling entities. No data is passed on to other uninvolved third parties unless it is required by law.

Personal data will only be collected and processed on our website if you have actively stated this data.

Indirect personal information will not be stored or processed with the exception of the IP address, the storage of which is technically necessary for the use of this service.

The data stored is the data that is necessary for the insurance policy. This includes, first of all, information on your person and your address. Other insurance-related data is also stored, e.g. objects, sums insured, insurance period, premium, account details, etc.). In the event of a claim, the data on the insurance claim is stored. This data may also include information from third parties (e.g. repair workshop, experts, etc.).

Data registration
Personal data and information are entered and registered by the customer himself on the Segurio platform.

Security
State-of-the-art encryption systems and access restrictions offer the best protection against unauthorized access to transmitted or stored data.

Use and passing on of personal data
Personal data transmitted to us by you will be used only to answer your questions, conclude contracts, and for the technical administration, and will be passed on only if requested by the courts or authorities if this is legally required.

The data will be passed on to the respective broker and insurer entrusted with the contract. It is conceivable that some of the risks are reinsured by the insurer with a reinsurer. These reinsurers also need the corresponding insurance-related information.

Any further use of your personal data is ruled out, unless you have given your consent to that use. If personal data is to be used for a purpose which, according to the data privacy regulations, requires your consent, you will always be asked for your consent first.

Right of information on your data as well as correction and deletion of your data
You can receive information at any time about your stored personal data and in accordance with the data protection act are entitled to correct or delete your data or to have it deleted. You can also receive information at any time about the scope and purpose of the data processing. You can access this information either in "My Segurio" (user zone) or request it by e-mail to dataprotection@segurio.com.

Segurio automatically stores and uses the following information from protocol files transmitted by your browser:
 - IP address of the accessing computer
 - date and time of the server enquiry
 - name and URL of the accessed file
 - referrer URL (the last page visited)
 - browser type/version
 - operating system used

Cookies
In some parts of our website we use cookies. Cookies are small text files that recognize a user on the next visit to a site. No personal data such as name or address are stored. In other words: you cannot be identified by the information concerned. We use cookies to adapt our services to your needs, and to monitor how these services are being used.

Social networks and automatic download of images
We work with various social networks. When you use this service, your browser is automatically connected with the respective network and transmits your IP address and other information such as cookies if you have already visited the platform concerned. As far as possible, we avoid this type of data transmission until you are actually interacting with one of the platforms. By clicking the corresponding symbol (e.g. Facebook logo), you state your willingness to communicate with the selected platform, and agree to information about you, such as your IP address, being sent to this social network.

Tracking tools for marketing and optimization purposes
Our website uses tracking tools to collect and store data for marketing and optimization purposes. The data collected is used to compile anonymized usage profiles.

We use the services of Ve Interactive DACH GmbH (Französische Straße 47, 10117 Berlin, hereinafter "Ve"). In providing its services, Ve collects personal data from users who visit our websites. For this purpose Ve uses cookies and other similar technologies. Detailed information about the technologies Ve uses is available in Ve's cookie policy. A listing of the purposes for which Ve collects personal data is listed in Ve's privacy Policy. In general, through the use of cookies, Ve collects personal data from users, especially contact information and behavioral data. Ve uses this personal information to draw conclusions about the user's personal preferences and to personalize the user's web experience, for example by displaying personalized offers when visiting customer websites or similarly personalizing the customer's website to the user and displaying personalized advertisements when visiting customer websites or websites of third parties. Ve and we are jointly responsible for the collection of personal data according to Art. 26 GDPR. Details can be found in Ve's privacy policy.

End users can prevent the processing of their personal data by Ve by various means. The available options for preventing data processing are contained in Ve's privacy policy, among others operating the opt-out button under https://www.ve.com/de/datensch... or using the opt-out mechanism of IAB Europe at http://www.youronlinechoices.com/opt-out-interface.

Google AdWords
The Segurio website uses the online advertising program Google AdWords, which in turn uses conversion tracking. If you have arrived at the Segurio website via Google AdWords, a valid cookie will be set for 30 days. During this time, Segurio and Google can recognize that the User was linked to the Segurio website. This cookie is used for the compilation of statistics which determine in anonymized form whether contract conclusions are the result of links to the Segurio website. This evaluation is used to account for and assess advertisements, and does not contain any personal data.

Bing Ads
The Segurio website uses the online advertising program Bing Ads, which in turn uses conversion tracking. 
If you have arrived at the Segurio website via Bing Ads, a valid cookie will be set for 30 days. During this time, Segurio and Bing can recognize that the User was linked to the Segurio website.
This cookie is used for the compilation of statistics which determine in anonymized form whether contract conclusions are the result of links to the Segurio website. This evaluation is used to account for and assess advertisements, and does not contain any personal data.

Facebook Ads
The Segurio website uses the online advertising program Facebook Ads, which in turn uses conversion and audience tracking. 
If you have arrived at the Segurio website via Facebook, a valid cookie will be set for 30 days. During this time, Segurio and Facebook can recognize that the User was linked to the Segurio website. 
This cookie is used for the compilation of statistics which determine in anonymized form whether contract conclusions are the result of links to the Segurio website. This evaluation is used to account for and assess advertisements, and does not contain any personal data.

Google Analytics
The Segurio website uses Google Analytics, a web analysis tool from Google Inc. ("Google"). Google Analytics employs "cookies" – that is, text files which are saved on your computer and enable your use of the website to be analyzed. The information about your use of the website generated by the cookie is transferred to and saved on a Google server in the USA. When IP anonymization is activated on this website, your IP address will be truncated in advance within member states of the European Union or other parties to the Agreement on the European Economic Area. Only in exceptional cases is the full IP address transferred to a Google server in the USA and truncated there.

Google will use this information on behalf of the operator of this website to evaluate your usage of the website, to create reports on website activities, and to provide other services related to website and internet usage to the website operator. The IP address transmitted by your browser within the context of Google Analytics will not be combined with any other data held by Google.

You can prevent cookies from being stored on your computer by making the corresponding setting in your browser software. We would like to point out, however, that in this case you may not be able to use all of this website’s functions without restrictions. You can also prevent the collection of the data generated by the cookie and related to your use of the website (including your IP address), as well as the processing of this data by Google, by downloading and installing the browser plug-in available at the following link [http://tools.google.com/dlpage/gaoptout?hl=de].

We use Google Analytics with the "_anonymizeIP()" extension to abbreviate the IP addresses collected by Google Analytics. This is to prevent Google from linking IP addresses with personal data.  

SSL encryption
The area "My Segurio" on the Segurio website is encrypted with the best-known transmission technology: SSL "Secure Socket Layer" (TLS 1.2 encryption, key exchange).

Before your online data is sent to us, it is encoded with this method so that it cannot be accessed by third parties.

How do you recognize an SSL encryption?
During this connection, a lock symbol appears in the tool bar of your internet browser. Your URL address also changes from "http" to "https". On the basis of these indicators, you can assume that your personal data can no longer be made accessible to third parties.

Secure payment
Every payment on the Segurio website is subject to high technical security and is handled by a specialized service provider with mPay24 (www.mpay24.com). Only payment-related data is accessed here and transmitted.

Security and use
The User is responsible himself if he has passed on his access data via fake sites or fake e-mails.
For security reasons, therefore, the User should never give his User name and password to third parties. Also, when using the website, the User should always enter the corresponding URL in the address line of his browser himself, and thus access the corresponding Segurio website. Only when he has arrived at this site should the User enter his User name and password.

The User is obligated to keep his access data secret and to protect it against unauthorized access by third parties. The User must inform Segurio immediately of any unauthorised use or misuse of his access data.

Segurio is not liable for damages arising from the misuse of data which the User himself has transmitted to third parties.

If the User does not log in for a period of 12 months and has no active policies, Segurio reserves the right to deactivate the User's account without the User being able to assert any claims.

Data
The data provided by the User must be complete, correct and truthful. The User is expressly obligated to observe all of the legal stipulations.

Segurio is entitled to block a User from the use of the Segurio platform for the following reasons:
 - infringements of these GTC
 - reasonable suspicion of improper use of the services
 - violations against morality, the law, or substantial contractual provisions for the services offered
 - if the reputation of Segurio or our partner companies is endangered
 - incomplete or incorrect data
 - official intervention or prohibition

Personal data and payment data is entered and registered by the User himself on the Segurio platform.

The contractual relationship subject to the GTC begins with the entry of data and self-registration on the Segurio website.

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