General terms and conditions of use and business

Scope of application
The general terms and conditions of use and business, hereinafter "GTC", apply to the websites www.segurio.com, www.segurio.de, www.segurio.ch, www.segur.io, www.segurio.nl, www.segurio.es, www.segurio.co.uk, www.segurio.fr and to all of the sub-domains and websites belonging to this domain. These GTC apply to all commissions, orders and legal transactions between Segurio and its cooperation partners, in particular brokers / insurance brokers and insurers (insurance companies) as well as the end users, hereinafter the "Users".

All mutual rights and obligations of the abovementioned contract partners are determined exclusively according to the content of the contract accepted by Segurio and the applicable general terms and conditions of use and business. 


Services of Segurio
Segurio is a platform that allows the User to conclude and manage insurance policies on line.

For this purpose, Segurio cooperates with brokers (insurance brokers) and insurers (insurance companies). This cooperation varies according to the insurance product and depending on the country in which the User wants to conclude the insurance policy.

Segurio provides only the technical facilities for the conclusion and management of the insurance policies and the payment of the selected insurance products, and functions as an agent of the broker (insurance broker) and/or the insurer (insurance company).

With this structure, Segurio guarantees that the best and newest products are always available to the Users.

The main selection criterion for Segurio in the choice of partners and products is a simple and clear structure of the insurance policy. It may not contain any incomprehensible small print or any long binding periods.

The User pays his insurance premiums monthly, and can easily terminate the policy on a monthly basis.

Segurio also provides the User with a process for the handling of claims.

The insurer is exclusively responsible for the implementation of the policies offered and, in particular, for the settlement of claims. The claim to fulfilment from the insurance policy for the User only arises for the User against the insurers, not against Segurio.

Insurance brokerage
Segurio is a platform that allows the User to take out and manage insurance policies online. Segurio is not the insurance broker. The insurance brokers are brokers (insurance brokers) who are selected by Segurio and cooperate with Segurio in the respective countries. In some countries, Segurio itself assumes the role of insurance broker.

Segurio informs the User about all the details of the insurance policy, and also explains the backgrounds of insurance policies and insurance contracts.

For every insurance product made available on the Segurio platform, there are detailed explanations of the respective insurance cover. This means that the User can access detailed information on the insurance cover and the applicable exclusions at any time.

Segurio also discloses which insurance broker was commissioned with the selection of the insurance product and the insurer (insurance company), and which insurance product resides with which insurer (insurance company).

Contract conclusion, payment and User data
Segurio handles the conclusion of the contract for the insurance product for the User and manages the payment for the respective insurance policies.

The necessary User data is collected and used in accordance with our data privacy policy.

Withdrawal from the contract by the User
The User can withdraw at any time from the contract concluded with the aid of the corresponding function in the User section of the website, entitled "My Segurio". The withdrawal becomes effective at the end of the month in which the User has given notice of withdrawal. The already paid premium for the current month is retained as administrative cost.

Cancellation policy and withdrawal rights
The User is informed that, in accordance with section 11 of the Austrian Distance-Selling Act (Fern- und Auswärtsgeschäfte Gesetz – FAGG), a consumer concluding a contract online exclusively via distance-selling in accordance with section 11 of the Austrian Distance-Selling Act (Fern- und Auswärtsgeschäfte Gesetz – FAGG) has the right to withdraw from the contract within 14 days. The withdrawal period starts on the day the contract is concluded. The declaration of cancellation may take any form.

Costs
The use of the Segurio platform is free of charge. Payment is made only for the respective policy concluded by the User.

Content and use
The User authorizes Segurio to conclude the insurance products selected by the User.

The User agrees that all correspondence regarding the policies shall take place exclusively by electronic means. The User can download and print out all of the information on his policy in detailed form in the area "My Segurio" (user zone).

Payment method and payment
The User authorizes Segurio to debit the respective amounts at the agreed time from the given payment methods.

In order to ensure the timely payment of the agreed amount, the User authorizes Segurio to reserve the agreed amounts on the given payment method in order to check the validity of the payment method so that the User can be informed in good time in the event that the payment method is invalid.

The insurance premium for the product selected by the User is debited from the payment method at the start of the month for the current month.

If it not possible to debit the amount at the specified time, and if the User has ignored the warnings given by Segurio, the policy affected by the non-payment is deactivated by Segurio. Segurio informs the User about the unpaid amount. If the payment method has not been updated by the User within 14 days of the request, the respective policy is dissolved.

If an insurance claim arises after expiry of the 14-day deadline, and the User has still not made the payment, the insurer (insurance company) is released from the obligation to settle the claim.

Invoices
The User can download and print out his respective invoices in the area "My Segurio" (user zone). The User expressly agrees that no separate invoices will be sent.

Conditions of use and data privacy (Data privacy policy)
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 optimisation 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'scookie 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 these GTC begins with the entry of data and self-registration on the Segurio website.

Support
Segurio offers the User support via the support links, FAQs and contact options given on the website.

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

The User must save his data on expired policies himself in a suitable manner. Segurio is entitled to delete policies that are no longer active after 4 years.

As the User enters the data himself, he is responsible for the correct registration of all information (e.g. data, photos, etc.).

Segurio is not liable for the compatibility of the internet service with the hardware and software of the User, or for its permanent availability.

Segurio assumes no liability for viruses, misuse or damages due to incorrect operation by the User or due to unsuitable hardware or software, or for malfunctions due to the internet connection or otherwise arising from the use of the data or the internet service.

Segurio shall also assume no liability for a breakdown of the Segurio server which does not last longer than 24 hours in total.

Segurio would like to point out that Segurio can restrict or temporarily suspend its service for pressing reasons (e.g. maintenance, security, capacity, and improvement reasons). Such measures do not constitute a breakdown, and cannot be added to a breakdown time even if they are carried out at the same time that a breakdown occurs.

Insofar as Segurio is liable for damage according to the legal stipulations, such liability shall be limited to intent and gross negligence. Any further liability on the part of Segurio, in particular for light negligence, untypical damages, lost earnings, defect damages, direct and consequential damages, damages to third parties, etc. is excluded. In terms of the amount, the liability of Segurio is always limited to the amount/price of the relevant contract with the User. Claims for compensation are subject to limitation within six months. This applies subject to any contrary legislation (e.g. consumer protection law).

Liability on the part of Segurio for damages due to force majeure (e.g. strike, war, earthquake) is excluded.

Concluding provisions
Confidentiality
Information, data, documents, business and operational secrets, ideas, know-how, codes, etc. that become known to the User within the framework of the business relationship with Segurio are subject to strict confidentiality, regardless of which medium they are provided on (electronic, print, etc.). This does not include information which is known to the general public or otherwise publicly accessible or expressly designated by Segurio as non-confidential. The User is therefore prohibited from using confidential information himself for purposes outside of the contract or from making such information available to unauthorized third parties. The confidentiality obligation shall continue to apply even after termination of a contract.

Legal succession
All rights and obligations shall be passed on to legal successors (individual, joint legal succession). The User may not transfer rights or obligations to third parties without the express prior written consent of Segurio.

Written form

There are no verbal ancillary agreements. Any changes or additions to the agreements made with Segurio in the context of the internet service shall be effective in writing only. This also applies to ancillary agreements and assurances as well as later changes to the contract.

Severability clause
The invalidity of individual provisions shall not affect the validity of the GTC as a whole. The invalid clause shall be replaced by a valid clause which comes as close as possible to the original commercial and legal purpose of the invalid clause. This applies analogously in the event of a gap in the provisions.

Place of jurisdiction and applicable law
All legal relationships between Segurio and the User of the platform are subject to Austrian law under exclusion of the international conflict of law provisions and the UN Convention on the International Sale of Goods. Place of fulfilment is the domicile of Segurio. Unless mandatory statutory provisions of the consumer protection act provide otherwise, the materially appropriate court for Vienna, Austria is regarded as agreed.

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