Disclaimer

1. Content of the Online Offering

The author assumes no liability for the timeliness, accuracy, completeness, or quality of the information provided. Claims for damages against the author relating to material or non-material damages caused by the use or non-use of the information provided, or by the use of incorrect or incomplete information, are generally excluded, unless there is evidence of willful misconduct or gross negligence on the part of the author.

All offers are subject to change and non-binding. The author expressly reserves the right to modify, supplement, or delete parts of the pages or the entire website, or to suspend publication temporarily or permanently, without prior notice.

2. References and Links

In the case of direct or indirect references to external websites (“hyperlinks”) that are outside the author’s area of responsibility, liability would arise only if the author were aware of the content and it were technically possible and reasonable for the author to prevent access to such content in the event that it were illegal.

The author hereby expressly declares that, at the time the links were created, no illegal content was discernible on the linked pages. The author has no influence whatsoever on the current or future design, content, or authorship of the linked pages. Therefore, the author hereby expressly distances himself from all content on any linked pages that has been modified since the links were created. This statement applies to all links and references within the author’s own website, as well as to third-party entries in guestbooks, discussion forums, link directories, mailing lists, and all other forms of databases established by the author, where external users are permitted to post content.

The provider of the page to which a link refers is solely liable for illegal, incorrect, or incomplete content and, in particular, for damages resulting from the use or non-use of such information; the person who merely refers to the respective publication via links is not liable.

3. Copyright and Trademark Law

The author makes every effort to respect the copyrights of the images, graphics, audio files, video clips, and text used in all publications; to use images, graphics, audio files, video clips, and text created by the author; or to use royalty-free graphics, audio files, video clips, and text.

All trademarks and brand names mentioned on this website, including those that may be protected by third parties, are subject without restriction to the provisions of applicable trademark law and the ownership rights of their respective registered owners. The mere mention of a trademark does not imply that it is not protected by the rights of third parties.

The copyright for published content created by the author remains solely with the author of the pages. Reproduction or use of such graphics, audio files, video clips, and text in other electronic or printed publications is not permitted without the author's express consent.

Privacy Policy

Palatina Versicherungsservice GmbH takes the protection of your personal data very seriously. We process personal data collected when you visit our websites in accordance with applicable data protection regulations. We will neither publish your data nor disclose it to third parties without authorization. Below, we explain what data we collect during your visit to our websites and exactly how it is used:

1. Name and contact information of the data controller

This Privacy Policy provides information about the processing of personal data on the company website of:

Contact information for the Data Protection Officer:

The Data Protection Officer at Palatina GmbH can be reached at the address listed above and at datenschutz@palatina-service.com:

2. Scope and Purpose of the Processing of Personal Data

Accessing the Website

When this website (www.palatina-service.com) is accessed, the visitor’s web browser automatically sends data to the website’s server, which is stored temporarily in a log file. Until it is automatically deleted, the following data is stored without any further input from the visitor:

• The visitor's device's IP address,
• Date and time of the visitor's access,
• Name und URL der vom Besucher aufgerufenen Seite,
• The website from which the visitor arrives at the company's website (known as the referrer URL),
• The visitor's browser and operating system, as well as the name of the visitor's Internet service provider.

The processing of this personal data is justified pursuant to Article 6(1), first sentence, letter f) of the GDPR. Palatina GmbH has a legitimate interest in processing the data for the purpose of,

• to quickly establish a connection to the insurance service's website,
• to ensure a user-friendly experience on the website,
• to identify and ensure the security and stability of the systems, and
• to simplify and improve the administration of the website.

The data is expressly not processed for the purpose of identifying the website visitor.

3. Disclosure of Data

Personal data is transferred to third parties if

• the data subject has given explicit consent pursuant to Article 6(1), first sentence, subparagraph (a) of the GDPR,
• the disclosure is necessary pursuant to Article 6(1), first sentence, letter f) of the GDPR to assert, exercise, or defend legal claims, and there is no reason to believe that the data subject has an overriding legitimate interest in preventing the disclosure of their data,
• there is a legal obligation to transfer the data pursuant to Article 6(1), first sentence, letter c) of the GDPR, and/or
• this is necessary, pursuant to Article 6(1), first sentence, letter b) of the GDPR, for the performance of a contractual relationship with the data subject.

In other cases, personal data is not disclosed to third parties.

4. Cookies

The website uses so-called cookies. These are data packets exchanged between the Palatina website’s server and the visitor’s browser. They are stored on the devices used to visit the website (PC, laptop, tablet, smartphone, etc.). Cookies cannot cause any damage to the devices used. In particular, they do not contain viruses or other malware. Cookies store information related to the specific device being used. Palatina cannot, under any circumstances, directly determine the identity of the website visitor through these cookies.

By default, cookies are generally accepted by browsers. Browser settings can be configured so that cookies are either not accepted on the devices being used, or so that a specific notification appears before a new cookie is created. Please note, however, that disabling cookies may prevent you from making full use of all the website’s features.

Cookies are used to make the company’s website more user-friendly. For example, session cookies can be used to track whether a visitor has already viewed specific pages on the website. These session cookies are automatically deleted when the visitor leaves the website.

Temporary cookies are used to improve the user experience. They are stored on the visitor’s device for a limited time. When the visitor returns to the website, the system automatically recognizes that the visitor has previously visited the site and recalls the entries and settings made during that visit, so the visitor does not have to repeat them.

Cookies are also used to analyze website traffic for statistical purposes and to improve the website’s offerings. These cookies make it possible to automatically recognize, upon a subsequent visit, that the visitor has previously accessed the website. The cookies are automatically deleted after a predetermined period of time.

The processing of data via cookies is justified for the purposes mentioned above in order to safeguard Palatina’s legitimate interests pursuant to Article 6(1), first sentence, letter f) of the GDPR.

5. Website Analytics Services, Tracking

The legal basis for the use of these analytics tools is Article 6(1), first sentence, letter f) of the GDPR. Website analytics is in our company’s legitimate interest and serves to collect statistical data on website usage for the purpose of continuously improving our company website and the services we offer.

Web Analytics

This website uses Google Analytics, a web analytics service provided by Google Inc. Google Analytics is a web analytics tool that helps website owners analyze how visitors interact with their websites.

Google Analytics: This website uses Google Analytics, a web analytics service provided by Google Inc. (“Google”). Google Analytics uses so-called “cookies”, text files that are stored on your computer and enable an analysis of your use of the website.
The information generated by the cookie about your use of this website is generally transmitted to a Google server in the USA and stored there. However, if IP anonymization is activated on this website, your IP address will first be shortened by Google within member states of the European Union or in other contracting states of the Agreement on the European Economic Area.
Only in exceptional cases will the full IP address be transmitted to a Google server in the USA and shortened there. On behalf of the operator of this website, Google will use this information to evaluate your use of the website, compile reports on website activity, and provide the website operator with other services related to website and internet usage.
The IP address transmitted by your browser as part of Google Analytics will not be merged with other data from Google. You can prevent the storage of cookies by selecting the appropriate settings in your browser software; however, please note that in this case you may not be able to use all functions of this website to their full extent.
You can also prevent the collection of data generated by the cookie and related to your use of the website, including your IP address, by Google, as well as the processing of this data by Google, by downloading and installing the browser plugin available under the following link.
In view of the discussion surrounding the use of analytics tools with full IP addresses, we would like to point out that this website uses Google Analytics with the “_anonymizeIp()” extension. As a result, IP addresses are only processed further in shortened form in order to exclude any direct personal identification.

6. Your Rights as a Data Subject

To the extent that your personal data is processed in connection with your visit to our website, you, as a “data subject” within the meaning of the GDPR, have the following rights:

6.1 Information

You may request information from us regarding whether we are processing your personal data. You have no right to such information if providing the requested information would violate the duty of confidentiality pursuant to § 83 StBerG or if the information must be kept confidential for other reasons, in particular due to an overriding legitimate interest of a third party. Notwithstanding the foregoing, an obligation to provide the information may exist if, particularly in light of imminent harm, your interests outweigh the interest in confidentiality. Furthermore, the right to access information is excluded if the data is stored solely because it may not be deleted due to statutory or bylaw-mandated retention periods, or if it serves exclusively for data backup or data protection monitoring purposes, provided that providing the information would require a disproportionately high effort and processing for other purposes is prevented by appropriate technical and organizational measures. Provided that the right to access is not excluded in your case and we are processing your personal data, you may request the following information from us:

• Purposes of processing,
• Categories of personal data you process,
• Recipients or categories of recipients to whom your personal data is disclosed, in particular recipients in third countries,
• if possible, the planned period for which your personal data will be stored, or, if this is not possible, the criteria used to determine the storage period,
• the existence of a right to rectification, erasure, or restriction of processing of your personal data, or a right to object to such processing,
• the existence of a right to file a complaint with a data protection supervisory authority,
• unless the personal data was collected from you as the data subject, the available information regarding the source of the data,
• the existence of automated decision-making, including profiling, and meaningful information about the logic involved, as well as the scope and intended effects of automated decision-making,
• In the case of transfers to recipients in third countries, unless the European Commission has adopted a decision on the adequacy of the level of protection pursuant to Article 45(3) of the GDPR, information regarding the appropriate safeguards provided for the protection of personal data in accordance with Article 46(2) of the GDPR.

6.2 Correction and Completion

If you discover that we have inaccurate personal data about you, you may request that we correct such inaccurate data immediately. If your personal data is incomplete, you may request that we complete it.

6.3 Deletion

You have the right to erasure (“right to be forgotten”), provided that the processing is not necessary for exercising the right to freedom of expression, the right to information, or for compliance with a legal obligation or the performance of a task carried out in the public interest, and one of the following grounds applies:

• The personal data is no longer necessary for the purposes for which it was processed.
• The legal basis for the processing was solely your consent, which you have withdrawn.
• You have objected to the processing of your personal data, which we have made public.
• You have objected to the processing of personal data that we have not made public, and there are no overriding legitimate grounds for the processing.
• Your personal data was processed unlawfully.
• The deletion of personal data is necessary to comply with a legal obligation to which we are subject.

You have no right to erasure if, in the case of lawful, non-automated data processing, erasure is not possible or would require a disproportionate amount of effort due to the specific nature of the storage, and your interest in erasure is minimal. In this case, the erasure is replaced by a restriction on processing.

6.4 Restriction of Processing

You may request that we restrict the processing of your personal data if any of the following grounds apply:

• You dispute the accuracy of the personal data. In this case, you may request that the processing be restricted for the period necessary for us to verify the accuracy of the data.
• The processing is unlawful, and instead of erasure, you are requesting that the use of your personal data be restricted.
• We no longer need your personal data for the purposes of processing, but you need it to assert, exercise, or defend legal claims.
• You have filed an objection pursuant to Article 21(1) of the GDPR. You may request that processing be restricted until it is determined whether our legitimate interests outweigh your interests.

Restriction of processing means that personal data will be processed only with your consent, or to assert, exercise, or defend legal claims, or to protect the rights of another natural or legal person, or for reasons of substantial public interest. Before we lift the restriction, we are required to notify you.

6.5 Data Portability

You have the right to data portability provided that the processing is based on your consent (Art. 6(1), first sentence, letter a) or Art. 9(2), letter a) of the GDPR) or on a contract to which you are a party, and the processing is carried out using automated means. In this case, the right to data portability includes the following rights, provided that this does not infringe upon the rights and freedoms of others: You may request that we provide you with the personal data you have provided to us in a structured, commonly used, and machine-readable format. You have the right to transmit this data to another controller without hindrance from us. To the extent technically feasible, you may request that we transfer your personal data directly to another controller.

6.6 Objection

If the processing is based on Article 6(1), first sentence, letter e) of the GDPR (performance of a task carried out in the public interest or in the exercise of official authority) or on Article 6(1), first sentence, letter f) of the GDPR (legitimate interests of the controller or a third party), you have the right, for reasons arising from your particular situation, to object at any time to the processing of your personal data. This also applies to profiling based on Article 6(1), first sentence, letter e) or letter f) of the GDPR. Once you have exercised your right to object, we will no longer process your personal data unless we can demonstrate compelling legitimate grounds for the processing that override your interests, rights, and freedoms, or the processing is necessary for the establishment, exercise, or defense of legal claims.

You may object at any time to the processing of your personal data for direct marketing purposes. This also applies to profiling related to such direct marketing. Once you exercise this right to object, we will no longer use the relevant personal data for direct marketing purposes.

You may submit your objection informally by phone, email, or by mail to our company’s address listed at the beginning of this Privacy Policy.

6.7 Withdrawal of Consent

You have the right to withdraw your consent at any time with future effect. You may inform us of your withdrawal of consent informally by phone, email, or by mail to our postal address. Withdrawal of consent does not affect the lawfulness of data processing that took place on the basis of your consent prior to the receipt of the withdrawal. Upon receipt of the revocation, data processing that was based solely on your consent will be discontinued.

6.8 Complaint

If you believe that the processing of your personal data is unlawful, you may file a complaint with a data protection supervisory authority that has jurisdiction over your place of residence or work, or over the location of the alleged violation.

7. Status and Updates to This Privacy Policy

This Privacy Policy is effective as of May 23, 2018. We reserve the right to update the Privacy Policy from time to time to improve data protection and/or to adapt it to changes in regulatory practices or case law.