1. Data controller
Aktiv Assekuranz Makler GmbH
Hanauer Str. 67
80993 Munich
Phone.: +49 89 149 708-0
E-mail: info(at)aktiv-assekuranz.de
Data protection officer: Reinhard Ernst
You can reach our data protection officer at the above address, or via the email address datenschutz(at)aktiv-assekuranz.de.
2. Data protection officer
Reinhard Ernst
E-mail: datenschutz(at)aktiv-assekuranz.de
3. Processing of Personal Data, Legal Bases, and Purposes of Use
As part of our operations, it is necessary for us to process your personal data in our IT systems and, if necessary, to transfer it to or receive it from third parties. The type and scope of the required data depend on the desired or existing insurance coverage and our corresponding range of services. While the European GDPR permits the processing of personal data under certain conditions, in some cases, particularly with regard to health data, explicit consent is required. Therefore, we ask you to take note of the following information.
Information on data processing
1. Purposes of Data Processing
We process your personal data to the extent necessary and depending on the mandate given to us, in order to record, examine and assess your contractual and risk situation, to prepare and submit offers for suitable insurance coverage, to broker the corresponding insurance contracts to you, to manage and administer your insurance contracts and to support you in the handling of claims and benefits.
2. Processing of Personal Data
We process your personal data to the extent necessary for the purposes mentioned above. Processing includes, in particular, the collection, storage, and use of data. The scope depends on the type of insurance coverage you are interested in, the insurance policies you already hold, and which insurance contracts you wish to have brokered and managed. This may include, for example, the following data:
a) Name, address, date of birth, telephone number, fax number, email address, marital status, occupation, health data, property data, company data, income, revenue, tax data, other personal or financial circumstances, coverage preferences, risk tolerance, experience in the financial investment sector, and bank account details.
b) Contract data relating to existing or terminated contracts, particularly in the case of insurance comparisons, as well as surrender values and premium payments. We protect your data against unauthorized access and disclosure. Our employees who may be involved in processing your data are obligated to maintain data secrecy in accordance with Article 5(1)(f) and Article 32(4) of the General Data Protection Regulation (GDPR).
3. Your personal data will not be transmitted to third parties for purposes other than those listed below.
We will only disclose your personal data to third parties if: a) you have given your explicit consent to this in accordance with Art. 6 para. 1 sentence 1 lit. a GDPR, b) disclosure is necessary in accordance with Art. 6 para. 1 sentence 1 lit. b GDPR for the performance of a contract with you or for the implementation of pre-contractual measures taken at your request, c) disclosure is necessary in accordance with Art. 6 para. 1 sentence 1 lit. c GDPR for compliance with a legal obligation to which the controller is subject, d) disclosure is necessary in accordance with Art. 6 para. 1 sentence 1 lit. f GDPR for the establishment, exercise or defense of legal claims and there is no reason to assume that you have an overriding legitimate interest in not disclosing your data.
4. Cooperation with Third Parties in the Transfer and Receipt of Data
In the context of coverage inquiries, contract conclusions, contract administration, and the processing of claims, it may be necessary to transfer data to or receive data from third parties. Data will only be transferred to the extent necessary for the respective purpose.
The following categories of third parties may be involved: insurers, reinsurers, broker pools, cooperating insurance brokers, technical service providers (operators of comparison software or customer management programs), sub-agents, social security institutions, credit institutions and investment companies, building societies, financial services institutions and securities trading companies, lawyers, tax advisors, auditors, insurance ombudsmen, the Federal Financial Supervisory Authority (BaFin), legal successors, underwriters, and experts.
Other data recipients may include those entities to which you have given us your consent for data transfer or to which we are authorized to transfer personal data based on a balancing of interests.
5. Right to Withdraw Consent/Consequences of Withdrawal
If your personal data is processed on the basis of legitimate interests pursuant to Art. 6 para. 1 sentence 1 lit. f GDPR, you have the right to object to the processing of your personal data pursuant to Art. 21 GDPR, provided there are grounds relating to your particular situation or the objection is directed against direct marketing. In the latter case, you have a general right to object, which we will implement without requiring you to specify a particular situation.
An objection not directed against direct marketing may result in us no longer being able to provide our services, even for existing contracts. Upon withdrawal of consent, we will either delete your data or initially restrict its processing. This depends on the following circumstances: Personal data will be deleted immediately if the processing was unlawful or proves to be unlawful due to subsequent circumstances, or if knowledge of the data is no longer necessary for the performance of our tasks. Restriction will be imposed instead of deletion if statutory, regulatory, or contractual retention periods preclude deletion. Longer-term storage of personal data may be necessary, in particular due to our documentation obligations under the Insurance Contract Act, or as potential evidence. Blocking is also considered appropriate if deletion is impossible or would require disproportionate effort, or if it would infringe upon the legitimate interests of the data subject. Furthermore, data will be blocked if its accuracy is disputed by the data subject and neither its accuracy nor inaccuracy can be established.
If you wish to exercise your right of withdrawal or objection, simply send an email to info(at)aktiv-assekuranz.de.
6. Legal Succession/Transfer of Portfolio
Should the broker transfer all or part of their business to another broker (e.g., as part of a business sale), the client agrees that the broker may provide the client's contract and service data to the acquiring broker. The broker will inform the client before transferring the data and will provide the name and address of the acquiring broker. The client is entitled to object to the transfer of data to the acquiring broker at any time.
7. When visiting our website
When you visit our website www.aktiv-assekuranz.de, your browser automatically sends information to our website's server. This information is temporarily stored in a log file. The following information is collected automatically and stored until it is automatically deleted.
This may include, for example: a) the IP address of the requesting computer, b) the date and time of access, c) the name and URL of the accessed file, d) the website from which access was made (referrer URL), e) the browser used and, if applicable, your computer's operating system and the name of your internet service provider. We process this data for the following purposes: a) to ensure a smooth connection to the website, b) to ensure convenient use of our website, c) to evaluate system security and stability, and for other administrative purposes. The legal basis for this data processing is Article 6(1)(f) GDPR. Our legitimate interest arises from the data collection purposes listed above.
7.1 Use of Cookies
Our website uses cookies. These are small text files that your web browser stores on your device. Cookies help us to make our website more user-friendly, effective, and secure. Some cookies are session cookies. These cookies are automatically deleted after you close your browser. Other cookies remain on your device until you delete them yourself. These cookies help us to recognize you when you return to our website. With a modern web browser, you can monitor, restrict, or block the setting of cookies. Many web browsers can be configured to automatically delete cookies when the program is closed. Disabling cookies may result in limited functionality of our website. As the operator of this website, we have a legitimate interest in storing cookies to ensure the technically flawless and smooth provision of our services. If other cookies are set (e.g., for analytics), these are addressed separately in this privacy policy.
The setting of cookies that are necessary for carrying out electronic communication processes or providing certain functions you have requested (e.g., shopping cart) is based on Article 6(1)(f) GDPR. As the operator of this website, we have a legitimate interest in storing cookies to ensure the technically flawless and smooth provision of our services. If other cookies are set (e.g., for analytics), these are addressed separately in this privacy policy.
8. SSL/TLS Encryption
For security reasons and to protect the transmission of confidential information that you send to us as the website operator, our website uses SSL/TLS encryption. This means that data you transmit via this website cannot be read by third parties. You can recognize an encrypted connection by the "https://" in your browser's address bar and the padlock icon in the browser bar.
9. Contact Form
Data submitted via the contact form, including your contact details, will be stored to process your request and to be available for follow-up questions. This data will not be shared without your consent.
The processing of data entered into the contact form is based solely on your consent (Art. 6 para. 1 lit. a GDPR). By submitting the form, you give us your consent to process the data. You may revoke your consent at any time. An informal notification by email is sufficient for revocation. The legality of data processing operations carried out before the revocation remains unaffected. Data transmitted via the contact form will remain with us until you request its deletion, revoke your consent to its storage, or the purpose for data storage no longer applies. Mandatory legal provisions – in particular retention periods – remain unaffected.
10. Data Security
We also employ appropriate technical and organizational security measures to protect your data against accidental or intentional manipulation, partial or complete loss, destruction, or unauthorized access by third parties. Our security measures are continuously improved in line with technological developments.
11. Right to lodge a complaint with the competent supervisory authority
As a data subject, you have the right to lodge a complaint with the competent supervisory authority in the event of a data protection breach. The competent supervisory authority for data protection matters is the State Data Protection Commissioner of the federal state in which our company is based. The following link provides a list of data protection commissioners and their contact details: https://www.bfdi.bund.de/DE/Infothek/Anschriften_Links/anschriften_links-node.html.
12. Updates and Changes to this Privacy Policy
Due to the ongoing development of our website and related services, or due to changes in legal or regulatory requirements, it may become necessary to amend this Privacy Policy. The current version of the Privacy Policy can be accessed and printed at any time on our website at www.aktiv-assekuranz.de.
This privacy policy is currently valid and was last updated in December 2023.
