Data protection statement

Automatic collection of data
When you visit its website, CONCORDIA collects, saves and uses general, impersonal usage data such as:

• general information regarding the browser and operating system
• visitor source
• browser request information
• date and time as well as duration of stay
• information on surfing habits (clicking on banners, downloading files, etc.)
• IP address
• used browser add-ons

These data form the basis for identifying trends in order to carry out statistical, anonymous evaluations, or they serve to improve the website. They are not transmitted to third parties.


Data provided by you
Personal data that you sent to CONCORDIA via the forms or the premium calculator on the website are transmitted in encrypted form and cannot be accessed by third parties. By entering personal data, you agree that CONCORDIA may process your personal data for the contractually or legally stipulated duration, and in particular for the purpose of submitting you an offer, contacting you by telephone, developing and maintaining customer relations, fulfilling and executing contractual or legal obligations, as well as for marketing purposes. The disclosure of data by operation of law, e.g. for the detection and prosecution of unlawful activities, remains reserved.

If you provide CONCORDIA with personal data of other persons (e.g. family members), we kindly ask you to ensure that these persons are familiar with this data protection statement and to only give CONCORDIA their personal data if you are allowed to do so.

You have no legal or contractual obligations to make your data available on the CONCORDIA website.


Cookies
Cookies are used for the provision of the website. Cookies are small text files that are stored on your device and are used to retrieve certain information while navigating a website or during future visits (e.g. if you want to remember a customer advisor on the CONCORDIA website).

Cookies are also used by Adobe Analytics, which is a web analytics service provided by Adobe Systems Software Ireland Limited ("Adobe"). On behalf of CONCORDIA, Adobe stores the information listed under "Automatic collection of data" on an Adobe server in London (UK). The IP address is only stored anonymously. The stored information is used by Adobe to compile reports on website activity and to provide CONCORDIA with other services related to website and Internet use. The information submitted will not be merged with other Adobe data.

You can prevent Adobe from collecting the data generated by the cookie and related to your use of the website (including your IP address) as well as prevent Adobe from processing this data by downloading and installing the browser plug-in available under the following link: https://www.adobe.com/privacy/opt-out.html

You can also prevent cookies from being stored by setting your browser software accordingly. However, we would like to point out that in this case, you may not be able to use all functions of the CONCORDIA website to their full extent.


Security
CONCORDIA takes appropriate technical and organisational precautions to protect your data conscientiously against loss, destruction, falsification, manipulation or unauthorised access.


Links and elements from other websites
The website may contain links or elements of other providers such as YouTube and Google Maps (hereinafter: third-party providers). If you click on or use a link or an element of a third-party provider, you leave CONCORDIA's sphere of influence. CONCORDIA does not assume any responsibility for the content or legal aspects of external links and elements. If you click on a third-party element, a connection to the third-party servers can be established and, consequently, data about your visit to the CONCORDIA website can be transferred to the third-party provider. For more information on the collection and use of data by third parties, please see the privacy policies of those third parties.

Brame

CONCORDIA works with the service provider Brame (Brame AG, Neuhofstrasse 10, 8834 Schindellegi, Switzerland) for participation in games and for processing data for marketing purposes. Brame is a public limited company that focuses on developing and distributing software in the area of gamification and providing consulting services in the area of online marketing. Depending on the type of game, Brame processes the data you provide (e.g. last name, first name, address, telephone number, e-mail, date of birth) within a predefined framework and for purposes that are clearly stated by CONCORDIA. The data you provide from the games is subject to Brame's privacy policy and terms of use (Privacy Policy | Brame). Brame's servers are located on Amazon AWS and Microsoft Azure.

Active contents
Active content (JavaScript) is used on the website to improve CONCORDIA's offer. You can disable active content in your browser's security settings. However, we would like to point out that in this case you will not be able to use important functions of the CONCORDIA website.

The data are processed for the purpose of creating a quote as well as concluding and processing the insurance contract. In particular, this includes the following purposes: Processing requests; benefit processing; compliance with legal, regulatory and internal provisions; commission settlement; data maintenance; statistical analysis; review of applications and underwriting as well as clarification of a breach of duty to notify (VVG/LCA); customer information; customer correspondence; debt collection and disbursement; customer advisory; insurance card; clarification of insurance requirement; discount review; combating insurance fraud. The data can be stored physically or electronically.

Security

The data are processed to guarantee information security. In particular, this can include the following purposes: Monitoring and documenting the systems and networks of CONCORDIA, ensuring operations, fault management, testing, back-up management.

Marketing

The data are used for the marketing purposes of CONCORDIA. In particular, the affected persons can be contacted once a year by letter and by phone from employees of CONCORDIA Insurances Ltd or through a partner centre. Other marketing activities may include: Determining customer satisfaction and customer needs, market research and provision of tailored services.

Consent for the future can be withdrawn at any time. The legality of data processing that is conducted between the time of consent and the withdrawal of consent is not affected by this.

Procurement through third parties

Under certain circumstances, data can be obtained through third parties (e.g. hospitals, medical experts, other insurers, authorities). The data in these cases relate to insured persons (e.g. name, address, contact data, insurance products) or their health (e.g. invoices, medical reports, statements of benefits).

Disclosure to recipients

Within the scope of legal and contractual obligations, data can be disclosed to recipients. Depending on the individual case, this relates to the following categories of recipients: Service providers that support CONCORDIA in fulfilling processing purposes (e.g. IT service providers, printing companies, partner centres), authorities, other insurers, reinsurers, external experts, third parties involved in legal disputes as well as other companies of the CONCORDIA Group.

Disclosure abroad

The data may be transferred to the representative office of CONCORDIA in Liechtenstein. The Federal Council has established that the law in Liechtenstein provides adequate protection in accordance with Art. 16 para. 2 of the Federal act on data protection (DSG/LPD/FADP).

The data are processed for the purpose of concluding and processing the corresponding contract. In particular, this includes the following purposes: Selection and assessment of the contractual partner, contract conclusion, correspondence with the contractual partner, assessment of the fulfilment of the contract and invoicing.

In accordance with the law or by agreement, third parties can receive data (in particular authorities, courts as well as external service providers).

The data are processed for the purpose of assessing the suitability of the applicant for the employment relationship and possibly to prepare and conclude the employment contract.

Provided the applicant has given their consent, the data can also be saved outside the context of their application for a specific position to notify them of interesting job opportunities.

In accordance with the law or by agreement, third parties can receive data (in particular authorities, courts as well as external service providers).