Data protection statement

Data protection and data security represent an important basis for the trustful relationship we have with our insured persons and business partners. With this statement, CONCORDIA provides insight into how CONCORDIA handles data which is collected, processed or used during a visit to its website.

Collection of data

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 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 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:

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.

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.

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.

Rights of the persons concerned
As a visitor to the website, you have the right to receive written information about your personal data processed by CONCORDIA. As far as there are no legal or contractual obligations to the contrary, you have the right to delete, correct or restrict the data, as well as the right to data portability and the right to object. For these data protection concerns, you can contact us at the following address: CONCORDIA, Data Protection Officer, Bundesplatz 15, 6002 Lucerne. In addition, in the event of breaches of the Data Protection Act, you have the option of lodging a complaint with the relevant data protection authority.

Updating the privacy policy
CONCORDIA reserves the right to change this data protection statement at any time and to adapt it to any new data processing procedures. By continuing to use the CONCORDIA website, you agree to the applicable data protection statement. You can revoke your consent or the further processing of your data by ending your visit to the website.

This data protection declaration was last amended on 1 October 2020.

Contact address

Web team
Bundesplatz 15
6002 Lucerne

as well as

Representation for the Principality of Liechtenstein
Austrasse 27
FL-9490 Vaduz