Klugversichert Vermittlungs GmbH takes the protection of personal data of its customers and visitors to this website very seriously. Klugversichert has therefore implemented technical and organizational measures to ensure compliance with the data protection regulations applicable in Germany. The collection, processing (including storage, modification, transmission, blocking, and deletion), and use of your data occur exclusively in compliance with German data protection laws. All individuals who collect, process, or use data for Klugversichert Vermittlungs GmbH are bound by data secrecy in accordance with § 5 BDSG, which remains in effect even after their employment ends.
Purpose of Data Collection, Processing, or Use
Klugversichert Vermittlungs GmbH is a company that specializes in brokering insurance contracts and similar agreements, as well as credit and capital investments. Klugversichert works as a partner with major sales and insurance companies, helping to select the most optimal type of insurance and the best product for the customer based on the information provided by prospective insurance clients. Some of klugversichert.de's partners have been in business for over 40 years and are known for their trustworthy and fair advice.
The primary purpose of data processing is therefore business consulting and the brokerage of investments, financing, and insurance. The secondary purpose of data processing is the support of our customers, sales representatives, and prospective clients.
The data collection, processing, and use affect the data of our customers, employees, intermediaries, business partners, prospective clients, as well as data from suppliers and claimants.
Non-Personal Data Collected Automatically
When you visit and use our website, the following non-personal data is stored for organizational and technical reasons: the names of the pages accessed, the browser and operating system used, date and time of access, search engines used, number of page visits, average time spent, and names of downloaded files.
We evaluate this technical data anonymously and solely for statistical purposes to continuously optimize our website and make our online offerings even more attractive. This anonymous data is stored separately from personal information on secured systems and does not allow any conclusions to be drawn about an individual. Your personal data and your privacy are therefore protected at all times.
Google Analytics
For market analysis, 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 that enable an analysis of your use of the website. The information generated by the cookie about your use of this website is transmitted to a Google server in the USA and stored there. Google will use this information to evaluate your use of the website, to compile reports on website activity for website operators, and to provide other services related to website and internet usage. Google may also transfer this information to third parties if required by law or insofar as third parties process this data on behalf of Google. Google will under no circumstances associate your IP address with other Google data. You can prevent the installation of cookies by adjusting your browser software settings; however, we would like to point out that in this case, you may not be able to fully use all functions of this website. By using this website, you agree to the processing of the data collected about you by Google in the manner and for the purpose described above.
Collection, Processing, and Use of Personal Data
We want to give you a clear understanding of how your personal data is collected, processed, and used.
Personal data primarily refers to information about a person's identity, such as name, address, date of birth, phone number, or email address (so-called inventory data).
When visiting the klugversichert website, no personal data is generally collected, processed, or used from you. Personal data is only collected, processed, and used if you have voluntarily provided it to us and thus given your consent. klugversichert only collects the personal data required to process your request. By providing your data to us, you agree that this data will be stored by klugversichert and used for processing your request and for contacting you by phone, mail, or email by an internal or external consultant. You also agree that your personal data will be used to fulfill your request and shared with professional certified partners. You further agree that our partners may contact you and assist you free of charge and without obligation.
By "submitting" your voluntarily entered personal data, you expressly agree to our applicable data protection regulations. This requires checking the corresponding box below your data.
Persons under 18 years of age should not transmit personal data to us without the consent of their parents or legal guardians.
The legislator has enacted various data retention obligations and periods. After these periods expire, the corresponding data will be routinely deleted, unless legal or contractual retention obligations prevent deletion or if the data is no longer needed. For questions regarding the applicable deletion periods and the scope of your data, please contact us.
Disclosure of Personal Data to Third Parties
Your personal data will be transmitted to our partners with a recognized consulting certificate for the purpose of creating and sending insurance offers.
The processing and transmission of your personal data to third parties will occur as further described,
Personal data may also be transmitted to third parties for the purpose of credit assessment. By submitting your personal data, you agree that your name, address, and date of birth will be transmitted for the purpose of obtaining a credit assessment.
Furthermore, we only disclose your data to third parties if and to the extent that this is necessary for the performance of the existing contractual relationship with you or for the enforcement of our claims and rights, if it concerns requests from official bodies, particularly law enforcement and supervisory authorities, and the disclosure is necessary to avert dangers to public safety and order, as well as for the prosecution of criminal offenses, and/or we are otherwise legally obliged to do so.
Your data is processed in the Federal Republic of Germany. Your personal data will not be sold to third parties or marketed in any other way.
Revocation
Klugversichert treats your data confidentially beyond the scope presented here and in accordance with its customers. You can revoke your declaration of consent regarding the collection, processing, and use of your data, in whole or in part, at any time via email or in writing by mail, with future effect.
Klugversichert Vermittlungs GmbH
Hauptstraße 45-47
85614 Kirchseeon near Munich
Fax: +49-89-997278-140
Use of Cookies
Klugversichert Vermittlungs GmbH uses "cookies" to track the preferences of its customers and visitors and to optimize our website accordingly.
Cookies are files that we store on your hard drive, not on our server. The information contained in cookies serves to facilitate navigation and prevents you from having to re-enter all your registration data each time you use our services. Furthermore, cookies can be used – with your consent – to tailor our advertising content to your personal interests, to process orders and offers or services, and – with your consent – to inform you about special offers or new products. You can prevent cookies from being stored on your hard drive by selecting "do not accept cookies" in your browser settings. For details on how this works, please refer to your browser manufacturer's instructions.
If you do not accept cookies, this may lead to functional limitations of our services. With your consent, we store the data we collect from you in cookies on your hard drive and retrieve this information for later use. Our advertising partners do not have the right to retrieve information from cookies placed by us. However, our advertising partners can place their own cookies on your hard drive. We are not legally responsible for such cookies. Regarding the use of such cookies and the information stored therein by our advertising partners, please refer to their privacy policies; our privacy policy does not apply to such uses.
klugversichert implements technical and organizational security measures to protect your data from unauthorized access, loss, destruction, or manipulation. If we use your personal information in any other way than explained in the privacy policy, we will inform you promptly.
If you have not given us permission to contact you, you will neither be notified, nor will we use your personal information in any new way. We will inform you at any time what personal data we have stored about you. You can request at any time to have the data changed or deleted if it is inaccurate or incomplete.
Changes to the Privacy Policy
We reserve the right to amend these privacy provisions at any time in compliance with applicable data protection regulations. For the use of our website, the version of the privacy policy available at the time of your visit always applies.
If you have voluntarily provided us with personal data in connection with the use of our services, we will inform you of the amended terms in an appropriate manner (e.g., via email) at least four weeks before they come into effect. If you do not object to these changes within four weeks of receiving the notification, the amended privacy policy will be deemed accepted. In our notification, we will specifically draw your attention to the significance of this four-week period.
External Links
If you use external links offered on our website, this privacy policy does not apply to those links. When we provide links, we strive to ensure that they also comply with our data protection and security standards. However, we have no influence over the compliance with data protection and security regulations by other providers. Therefore, please refer to the privacy policies provided on the websites of other providers.
Inquiries and Information
We continuously strive to improve our service in the interest of our customers. Should you have suggestions for improvement regarding data protection or wish to file a complaint, please contact the klugversichert team.
Please direct your data protection inquiries to the following address:
Klugversichert Vermittlungs GmbH
Hauptstraße 45-47
85614 Kirchseeon near Munich
Phone: +49-89-997278-117
Fax: +49-89-997278-140
Email: info@klugversichert.de
Managing Partner
Sven Salomon
Your right of access to stored personal data is governed by Section 34 of the BDSG.
Further information can be found on the Terms of Use and Imprint pages.
As of: 08.04.2018