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Privacy information

Dr. Kortmann & Reinhardt Insurance GmbH

Lindenburger Allee 3

50931 Cologne

Germany

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Represented by:

Stefan Reinhardt

Cornelia Zinken-Reinhardt

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Commercial register: HRB 116076
Register court: District Court of Cologne

Introduction

We ("we," "us," "our") take the protection of users' ("Users" or "you") data on our website and/or mobile app (the "Website" or the "Mobile App") very seriously and are committed to safeguarding the information that users provide to us in connection with the use of our Website and/or Mobile App (collectively referred to as "Digital Assets"). Furthermore, we are committed to protecting and using your data in compliance with applicable law.

This Privacy Policy explains our practices regarding the collection, use, and disclosure of your data through your use of our Digital Assets (the "Services") when you access the Services via your devices.

Please read this Privacy Policy carefully and ensure that you fully understand our practices regarding your data before you use our Services. If, after reading and fully understanding this policy, you do not agree with our practices, you must cease using our Digital Assets and Services. By using our Services, you acknowledge the terms of this Privacy Policy. Continued use of the Services constitutes your consent to this Privacy Policy and any amendments thereto.

In this Privacy Policy, you will learn:

  • How we collect data

  • What data we collect

  • Why we collect this data

  • To whom we disclose the data

  • Where the data is stored

  • How long the data is retained

  • How we protect the data

  • How we handle minors

  • Updates or changes to the Privacy Policy

What data do we collect?

Below you will find an overview of the data we may collect:

 

  • De-identified and non-identifiable information you provide during the registration process or that is collected through your use of our services ("Non-Personal Information"). Non-Personal Information does not identify who collected it. Non-Personal Information that we collect consists primarily of technical and aggregated usage information.
     

  • Individually identifiable information, which means anything that can be used to identify you or could reasonably be used to identify you ("Personal Information"). The Personal Information we collect through our Services may include information requested from time to time, such as names, email addresses, addresses, phone numbers, IP addresses, and more. When we combine Personal Information with Non-Personal Information, we will treat it as Personal Information as long as it remains in combination.

How do we collect data?

Below are the main methods we use to collect data:

 

We collect data when you use our Services. So, when you visit our digital assets and use Services, we may collect, record and store usage, sessions and related information.

  • We collect data that you provide to us yourself, for example when you contact us directly through a communication channel (e.g. an email with a comment or feedback).

  • We may collect information from third party sources as described below.

  • We collect information you provide to us when you sign in to our Services through a third-party service such as Facebook or Google.

Why do we collect this data?

We may use your information for the following purposes:

 

to provide and operate our services;

  • to develop, customize and improve our services;

  • to respond to your feedback, requests and inquiries and to provide assistance;

  • to analyze requirements and usage patterns;

  • for other internal, statistical and research purposes;

  • to improve our data security and fraud prevention capabilities;

  • to investigate violations and enforce our terms and policies and to comply with applicable laws, regulations or government requests;

  • to send you updates, news, promotional materials and other information related to our services. For promotional emails, you can choose whether you want to continue receiving them. If not, simply click on the unsubscribe link in those emails.

Who do we share this data with?

We may share your information with our service providers to operate our Services (e.g., storing data on third-party hosting services, providing technical support, etc.).

 

We may also disclose your information in the following circumstances: (i) to investigate, detect, prevent, or take action against illegal activities or other wrongdoing; (ii) to establish or exercise our rights of defense; (iii) to protect our rights, property, or personal safety, or the safety of our users or the public; (iv) in the event of a change of control of us or one of our affiliates (through a merger, acquisition, or purchase of (substantially) all assets, or otherwise); (v) to collect, retain, and/or manage your information through authorized third parties (e.g., cloud service providers) as appropriate for business purposes; (vi) to work with third parties to improve your user experience. For the avoidance of doubt, we may transfer, share, or otherwise use non-personal information to third parties at our sole discretion.

Cookies and similar technologies

When you visit or access our Services, we authorize third parties to use web beacons, cookies, pixel tags, scripts, and other technologies and analytics services ("Tracking Technologies"). These Tracking Technologies may enable third parties to automatically collect your information to improve the browsing experience on our digital assets, optimize their performance, provide a customized user experience, and for security and fraud prevention purposes.

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We will not share your email address or other personal information with any advertising companies or advertising networks without your consent.

Where do we store your data?

Please note that our companies, as well as our trusted partners and service providers, are located around the world. For the purposes explained in this Privacy Policy, we store and process any non-personal information we collect in different jurisdictions. Personal information may be maintained, processed and stored in the United States, Ireland, South Korea, Taiwan, Israel, and as necessary for the proper provision of our services and/or as required by law (as further explained below), in other jurisdictions.

How long do we store your data?

Please note that we retain the information we collect for as long as necessary to provide our services, comply with our legal and contractual obligations to you, resolve disputes, and enforce our agreements.

We may correct, supplement or delete inaccurate or incomplete data at any time at our own discretion.

How do we protect the data?

The hosting service for our digital assets provides us with the online platform through which we can provide our services to you. Your data may be stored through our hosting provider's data storage, databases and general applications. They store your data on secure servers behind a firewall and they provide secure HTTPS access to most areas of their services.

Notwithstanding the measures and efforts taken by us and our hosting provider, we cannot and do not guarantee absolute protection and security of any information you upload, post or otherwise transmit to us or others.

For this reason, we ask that you use strong passwords and, where possible, not send us or others any confidential information that you believe could cause you significant or lasting harm if disclosed. In addition, because email and instant messaging are not considered secure forms of communication, we ask that you do not send any confidential information through any of these communication channels.

How do we protect minors?

The Services are not intended for users under the age of legal majority. We will not knowingly collect information from children. If you are under the age of majority, you should not download or use the Services or provide any information to us.

 

We reserve the right to request proof of age at any time to verify that minors are not using our Services. In the event that we become aware that a minor is using our Services, we may deny and block that user's access to our Services and we may delete any data we have about that user. If you have reason to believe that a minor has provided information to us, please contact us as explained below.

The use of your data

We use your personal data solely for the purposes outlined in the Privacy Policy and only when we are confident that:

  • The use of your personal data is necessary to fulfil or enter into a contract (for instance, to provide you with the Services themselves, customer support, or technical assistance);

  • The use of your personal data is required to comply with relevant legal or regulatory obligations; or

  • The use of your personal data is necessary to support our legitimate business interests (provided that this is always done in a manner that is proportionate and respects your privacy rights).

As an EU resident, you may:

  • Request confirmation as to whether personal data concerning you is being processed and access your stored personal data along with certain supplementary information;

  • Request to receive the personal data you have provided to us in a structured, commonly used, and machine-readable format;

  • Request the correction of your personal data stored by us;

  • Request the deletion of your personal data;

  • Object to the processing of your personal data by us;

  • Request the restriction of the processing of your personal data; or

  • Lodge a complaint with a supervisory authority.

Please note, however, that these rights are not absolute and may be subject to our own legitimate interests and regulatory requirements. If you have any general questions about the personal data we collect and how we use it, please contact us as indicated below.

In the course of providing the Services, we may transfer data cross-border to affiliated entities or other third parties and from your country/jurisdiction to other countries/jurisdictions worldwide. By using the Services, you consent to the transfer of your data outside the EEA.

If you are located in the EEA, your personal data will only be transferred to locations outside the EEA when we are satisfied that an adequate or comparable level of data protection exists. We will take appropriate steps to ensure that we have suitable contractual arrangements in place with our third parties to guarantee that appropriate safeguards are applied, minimising the risk of unlawful use, alteration, deletion, loss, or theft of your personal data, and ensuring that these third parties act in compliance with applicable laws at all times.

If you are using the Services as a resident of California, you may be entitled, under the California Consumer Privacy Act (CCPA), to request access to and deletion of your data.

To exercise your right to access and delete your data, please refer to the contact details provided below.

We do not sell users' personal data for the purposes and intents of the CCPA.

Updates or changes to the Privacy Policy

We may revise this Privacy Policy from time to time at our sole discretion, and the version posted on the Site will always be the most current (see "Effective Date" notice). We encourage you to check this Privacy Policy periodically for changes. If any changes are material, we will post a notice on our Site. Your continued use of the Services after we have posted notice of changes on our Site will constitute your acknowledgement and consent to the changes to the Privacy Policy and your agreement to be bound by the terms of those changes.

Contact

If you have general questions about the Services or the data we collect about you and how we use it, please contact us at: info @kr-assekuranz.de

For further information on the data agreement within the framework of a brokerage agreement concluded between you and us, please download our information on the data agreement .

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