Disclaimer

Notes on Data Security

Disclaimer/Data Security

Copyright and Exclusion of Liability
All information on this website is subject to ongoing examination and updating by the publishers. As, in spite of the care we take, information can become outdated, we will not assume any liability or warranty for the timeliness, accuracy or completeness of the data provided herein. The same applies to information on websites that are outside the publishers' sphere of responsibility and can be called up by clicking on a link. Furthermore, Talanx AG shall not be liable for damages caused by computer viruses or similar and which result from the use of this website.

Moreover, the publishers reserve the right to alter or amend the information, the entire contents of the Talanx website is protected by copyright. The duplication of any information or data, in particular the utilization of texts, parts of texts or photographic material (except in case of press releases) requires the prior authorization of Talanx AG.

Security and data protection
We wish to point out that we process and utilize all personal data obtained via this website for specified purposes and in accordance with the provisions of the Bundesdatenschutzgesetz (BDSG – Federal Data Protection Law).

Personal data are deemed to be individual data that concern the personal and material circumstances of a specific or identifiable natural person (e.g. name, address, date of birth, occupation and bank details) as well as all sensitive data (e.g. state of health, income and financial standing). According to the BDSG all such data are subject to special protection, which we provide by means of technical and organizational measures.

Your personal data are stored in specially-protected computers. These data are processed and stored exclusively for the purpose for which you have provided them. We do not sell or lease any personal data to third parties. Our employees and service providers are bound to compliance with the principles of data protection in accordance with § 5 of the BDSG.

Compliance with the data-protection provisions is monitored by a corporate data-protection officer. You can navigate this website anonymously. We merely record the name of your Internet service provider, the website from which you access this offer and any websites of ours that you visit. The data obtained in this way will only be evaluated statistically and will not be traceable to a specific individual.

Our premium-rate calculators/configurators, including the calculation function, can also be used anonymously. Only when we receive a request to quote do we register the personal data necessary to prepare and transmit a quotation.

Data transmission and data information
All data that you send by e-mail form via our website are encrypted to protect them against misuse by third parties. We currently employ SSL (Secure Socket Layer) encryption, as recommended by the Bundesamt für Sicherheit in der Informationstechnik (BSI – Federal Agency for IT Security). However, we cannot guarantee the security of data transmitted to us via the Internet.

For the proper execution of certain dialogues (e.g. the premium-rate calculator, which encompasses several pages) it is absolutely necessary to employ cookies, as only in this way can we guarantee that you can scroll back in a given operation. These cookies are automatically deleted by the Internet user's PC on exiting this website.

According to the BDSG you are entitled to free information on any data of yours that we have stored and also have the right to delete/block or correct data.

To do so go directly to privacy@talanx.com

This website uses Google Analytics, a web analytics service provided by Google Inc. ("Google"). Google Analytics uses "cookies", which are text files placed on your computer and which facilitate analysis of your use of the website. The information generated by the cookie about your use of this website will normally be transmitted to and stored by Google on a server in the United States. If IP anonymisation is activated on this website, your IP address will, however, be abbreviated beforehand by Google within the area of Member States of the European Union or other parties to the Agreement on the European Economic Area. Only in exceptional cases will the entire IP address be transmitted to a Google server in the United States and abbreviated there. Google will use this information on behalf of the operator of this website for the purpose of evaluating your use of the website, compiling reports on website activity and providing the website operator with other services relating to website usage and internet usage. The IP address transmitted by your browser within the scope of Google Analytics will not be associated with any other data held by Google.

You may prevent the storage of cookies by selecting the appropriate settings on your browser; please note, however, that if you do this you may not be able to use the full functionality of this website. Furthermore, you can prevent the recording of the data generated by the cookie regarding your use of the website (incl. your IP address) being transmitted to Google as well as the processing by Google of this data by downloading and installing the browser plug-in available via the following link

http://tools.google.com/dlpage/gaoptout?hl=en.

You can find more information on this at
http://tools.google.com/dlpage/gaoptout?hl=en and at
http://www.google.com/analytics/learn/privacy.html (general information on Google Analytics and data privacy). We would like to point out that Google Analytics has been upgraded on this website by the code "gat._anonymizeIp();" in order to guarantee anonymised recording of IP addresses (so-called IP masking).

Data processing

Data processing inside and outside the HDI/HDI-Gerling insurance companies
Individual insurance sectors (e.g. life insurance, property insurance) and other financial services e.g. investments are transacted at the HDI/HDI-Gerling insurance companies by legally independent companies. These companies work together with the aim of offering customers comprehensive insurance cover.

During the course of business processing, partner data (e.g. name, address, customer number, account number, bank sort code, existing policies) can be accessed by all companies among the HDI/HDI-Gerling insurance companies. This allows incoming post to be allocated correctly and the appropriate partner identified immediately in the case of telephone inquiries.

By contrast, other general data relating to proposals, policies and benefits can only be accessed by the individual HDI/HDI-Gerling insurance companies.

Although all these data can only be used by the relevant companies to provide advice and support for the appropriate customers, the legislation also refers to “data transfer” here. The regulations of the Federal Data Protection Act (BDSG) therefore have to be observed. By contrast, sector-specific data – e.g. data on health or credit rating remain solely available to the relevant company.

The following companies are currently among the HDI/HDI-Gerling insurance companies:

• HDI Haftpflichtverband der Deutschen Industrie V. a. G.
• HDI-Gerling Industrie Versicherung AG
• HDI Versicherung AG
• HDI Lebensversicherung AG
• HDI Direkt Service GmbH
• Gerling Vertrieb Makler Firmen und Privat GmbH
• Gerling Kundenservice Firmen und Privat GmbH
• Gerling Vertrieb Firmen und Privat AG
• SSV Schadenschutzverband GmbH
• HDI-Gerling Leben Vertriebsservice AG
• HDI-Gerling Pensionsfonds AG
• HDI-Gerling Pensionskasse AG
• HDI-Gerling Financial Services GmbH (Austria)
• AmpegaGerling Investment GmbH
• Hannover Rück SE
• E + S Rückversicherung AG
• Talanx Deutschland AG
• Talanx Pensionsmanagement AG
• Talanx Service AG

Joint-venture companies supporting sales
In addition, our insurance companies and intermediaries also work together with banks and investment companies outside the HDI/HDI-Gerling insurance companies with the aim of providing their customers with comprehensive advice and service for other financial services (e.g. investments). We are currently cooperating with DKV Deutsche Krankenversicherung AG.

The cooperation involves mutual referral of the relevant products and provision of ongoing support for the customers acquired in this way.

Support by insurance intermediaries
In relation to your insurance affairs and within the scope of the range of services marketed by the HDI/HDI-Gerling insurance companies or our joint-venture partners you may receive support from one of our intermediaries who will also provide you with advice on other financial services if you give your consent for your data to be processed. In this case, intermediaries include mediation companies as well as individuals.

In order to be able to carry out their functions properly, we will provide the intermediaries with essential details from your data relating to proposals, policies and benefits, e.g. insurance number, premiums, type of insurance cover and risk, number of insurance claims and level of insurance benefits, for the purpose of discharging their duties. Details on health may also be passed on to the relevant intermediary exclusively for the purpose of policy adjustments in health, life and personal accident insurance.

Our intermediaries process and use this personal data themselves in the course of providing advice and support for customers. We will also inform you about any changes in the data relevant to customers. Each intermediary has a statutory and contractual obligation to observe the provisions of the Federal Data Protection Act (BDSG) and its special obligations on confidentiality (e.g. professional secrecy and data secrecy).

You will be informed of the intermediary responsible for providing your support. If the intermediary no longer works for our company (e.g. as a result of termination of the intermediary agreement or retirement), the company will make new arrangements for provision of your support. You will be informed of the changes made.

Information and explanations
As a person affected under the Federal Data Protection Act (BDSG), you have a right to information in addition to the right of revocation, and under certain circumstances you also have a right to correction, barring or deletion of any of your data stored in a file.

You should contact the company data protection officer (privacy@talanx.com) of your insurer, if you require any other information and explanations relating to data protection.

Last updated: May 2011