The protection of personal data is an important matter for us. In what follows you receive information about how we deal with personal data in our company.
Information about data processing
Data protection information about data processing in connection with insurance contracts with effect from 25th May 2018
With this information we inform you about the processing of your personal data by LV 1871 Private Assurance AG (LVPA) and your rights under the terms of the General Data Protection Regulation (GDPR).
Responsible for the handling of data
LV 1871 Private Assurance AG
Telephone: +423 / 238 83 00
Fax: +423 238 83 99
You can contact our data protection officers by mail using the above address with the addition – Data Protection Officer – or by e-mail under firstname.lastname@example.org.
Purposes and legal basis of data processing
We process your personal data in compliance with the EU General Data Protection Regulation (GDPR), the rules that are relevant for data protection laws of the applicable insurance contract law (VersVG), of the Liechtenstein Due Diligence Act (SPG), the Liechtenstein Data Protection Law (DSG) as well as all other relevant laws.
If you apply for insurance cover, we require the information you give in order to conclude the contract and to assess the risk we are taking on. If the insurance policy comes into force, we process this data for the performance of the contractual relationship: e.g. to issue the policy or prepare invoices. We need details of the benefit to be able to check whether or not an insured event has occurred.
Taking out or fulfilling the insurance contract is not possible without processing your personal data.
Furthermore, we need your personal details to prepare insurance statistics: e.g. to fulfil regulatory stipulations. We use the data of all LVPA policies in order to achieve an overview of the complete customer relationship. This could be to advise about a policy modification or extension or to provide comprehensive information.
The legal basis for this processing of personal details for precontractual and contractual purposes is Art. 6, Para. 1 Letter b GDPR. Insofar as special categories of personal data are required for this (e.g. your health records on taking out an insurance policy), we obtain your approval in accordance with Art. 9 Para 2 Letter a in connection with Art. 7 GDPR. If we produce statistics with these data categories, this is done on the basis Art. 9 Para 2 Letter j GDPR.
We also process your data to maintain our justified interests or those of third parties (Art. 6 Para. 1 Letter f GDPR). In particular, this can be necesary to:
- safeguard IT security and the IT system,
- advertise our own insurance products and other products of companies belonging to the LV 1871 Group and their co-operation partners, as well as for market and opinion surveys,
- prevent and shed light on criminal offences, for which we use especially data analyses that can recognize signs indicating an abuse of insurance.
Furthermore, we process your personal data in order to comply with legal requirements, such as regulatory stipulations, commercial and fiscal retention requirements or our advisory duty. In this case the the appropriate legal stipulations in connection with Art. 6, Para. 1, Letter c GDPR serve as the legal basis for the processing. If we want to process your personal data for a purpose not mentioned above, we shall inform you in advance within the framework of the statutory provisions. You can find information about this in our homepage www.lv1871private.com under the heading Data Protection.
Categories of recipients of personal data
We also insure the risks we have accepted with special insurance companies (reinsurers). To do this it may be necessary to transfer informatioin about your policy and its benefits to a reinsurer, so that it can get its own impression of the risk or the claim. Furthermore, it is possible that the reinsurer may support our company due to its particular expertise in risk assessment or claims handling, as well as in the relevant processes. We only transfer information to the reinsurer that is sufficient for us to meet our insurance contract with you or to safeguard our legitimate interests. If relevant, the following health data are transferred to the reinsurer: the password for an extra premium or bonus, smoking indicator, height and weight. Mortality and/or longevity that we underwrite is insured with the Lebensversicherung von 1871 a.G. München. You can find more information about the data protection at Lebensversicherung von 1871 a.G. at www.lv1871.de under the heading Data Protection.
If an intermediary takes care of your insurance policies, your intermediary processes the data of the proposal, the policy and the benefit needed for the completion and performance of the contract. Our company also transfers this data to responsible intermediaries, insofar as this information is needed to support and counsel you about your insurance and financial matters.
Data processing in the group of companies: Specialized companies or business areas of our group of companies attend to certain data processing tasks centrally. If you have an insurance policy with one or several companies in our group, certain data processing tasks will be done centrally: for example, by the central administration for address details, for the customer telephone service, for policy and claims processing, for collection and disbursements or for central processing of the mail by a company in the group. In our list of external service providers you can find the companies that take part in the centralized data processing.
External service providers:
To some extent we use external service providers to fulfil our contractual and legal obligations. You can find a list of our suppliers and service providers that do not have merely a temporary business relationship with us in the oerview the updated version of our homepage www.lv1871private.com under the heading Data Protection.
Underwriting and claims handling:
For underwriting and claims handling it may be necessary to transfer your data to or collect it from third parties. This is done to the extent and on the basis of your declaration of consent to the data protection law.
Furthermore, we can transfer your personal data to other recipients such as the authorities, in order to comply with legal reporting requirements (e.g. tax authorities or the law enforcement authorities).
Duration of the data retention
We delete your personal data as soon as it is no longer needed for the purposes described above. It can happen, however, that personal data is kept for the period in which claims can be asserted against our company (statutory limitation period from three to thirty years). Furthermore, we save your personal data if we are legally obliged to do so. Equivalent obligations to prove and retain arise out of the Person and Company Law (PGR) and the Due Diligence Act (SPG), according to which retention periods last up to ten years.
Rights of persons
You can demand information about the retained data relating to your person from the above address. Furthermore, under certain circumstances you can demand that your data be corrected or deleted. You can continue to have the right that the processing of your data be restricted as well as a right that the data you prepared be sent to you in a structured, normal and machine-readable format.
Right of objection
You have the right do object to the processing of your personal data for purposes of direct marketing. If we process your data to safeguard legitimate interests, you can object to this processing if there is a justifiable reason arising out of your personal situation that militates against the data processing.
Right of appeal
If you wish to complain, you can turn to the data protection officer named above or to a data protection supervisory authority. The data protection supervisory authority responsible for us is:
Data Protection Office
Data exchange with your previous insurer
To check your particulars on taking out the insurance policy or your particulars on the occurrence of a claim and if necessary to supplement it, an exchange of the personal data with the previous insurer you have named in the proposal may be needed.
Insofar as it is necessary to safeguard our legitimate interests, we request information from special service companies in order to judge your general payment behaviour. These services are currently provided by Schufa and Creditreform. Further information about the service companies we use can be found on our homepage www.lv1871private.com under the heading Data Protection.
Data transfer to a third country
Should we transfer personal data to a service provider outside the European Economic Area (EEA), this is only carried out provided the EU Commission has confirmed that there is an adequate standard of data protection or that other reasonable data protection guarantees are present (e.g. binding internal company data protection rules or EU standard contract clauses). If we transfer personal data to such service providers, you can find detailed information about this as well as about the level of data protection in our service providers in third countries on our homepage www.lv1871private.com under the heading Data Protection. You can also request the information under the contact information named above.
How we deal with personal data in the internet
We draw your attention to the fact that the following information does not apply to linked bodies. If you visit our website in the public domain, we do not require any data from you. We only record the name of your internet service provider, the website from which you come as well as the websites you visit that belong to us. The information thus gained is analyzed anonymously and serves only statistical purposes. The purpose of this analysis is to help us adjust our internet presence to match changing needs. Please consider, too, that unencrypted e-mails are not protected against the risk of unauthorized perusal, falsification, loss and so on. Our company‘s network and the computer system are protected by a security system against unauthorized access. Every access and attempt to access are recorded for preventive security. The employees of our company are subject to data protection in accordance with Art. 10 DSG. Access rights are needed to use the internal applications of our company. Within the applications user rights are further restricted by an authorization system according to the area of activity and the commercial need. We update and complete saved data as soon as we learn of a change. Some callable pdf documents which can be partly filled in online are particularly protected documents. This means that these documents are only accessible by using a special password and cannot be changed. The documents as well as the data that has been entered are not transferred over the internet, but are transferred by post to the relevant bodies.
Cookies are small text files that are placed in the internet user’s computer. Cookies are used to facilitate the dialogue support. The cookies we use are automatically deleted on leaving the website or when the dialogue is interrupted.
This website uses Google Analytics, a web analysis service of Google Inc. („Google“). Google Analytics uses so-called „cookies“, textfiles, that are saved on your computer and enable us to analyze how the website has been used. The information obtained by the cookie about your use of the website is generally transferred to a server of Google in the USA and saved there. However, if the IP anonymisation is activated on this website, your IP address will be shortened by Google beforehand in member states of the European Union or in other states that are contracting parties to the agreement concerning the European Economic Area. Only in exceptional cases will the complete IP address be transferred by Google to the USA and shortened there. On behalf of the provider of this website Google will use the information to evaluate your use of the website, in order to compile reports of the activities on the website and produce further services in connection with the utilization of the website and the internet for the provider of the website. The IP addresses that Google transfers from your browser will not be bundled with other data stored by Google. You can prevent the saving of cookies by adjusting your browser software, but you should know that in this case you will not be able to use all the functions of this website entirely. Furthermore, you can prevent the cookie generated capture of the data about your utilization of the website (including your IP address) to Google as well as the processing by Google by downloading and installing the browser-plugin that is available under the following link.
You can prevent the capture by Google Analytics by clicking on the following link. An opt-out cookie with be put in place that prevents future data captures when you visit this website:Deactivate Google Analytics
We should like to point out that on this website Google Analytics was extended by the code word anonymizelp to achieve an anonymous capture of IP addresses (so-called IP masking).
Access data is saved whenever a data file is requested from a download offer, whereby only non-personal data is involved. Every dataset consists of the page from which the data file was requested, the name of the data file, the date and time of the request, the data volume transferred, the access status (e.g. data transferred) as well as a description of the type of web browser used. The stored data is anonymized and only analyzed for statistical purposes.
Contact persons for data protection
Your contact person at LV 1871 for data protection is the internal data protection officer, who can be contacted under email@example.com or by post at the following address:
LV 1871 Private Assurance AG
Data Protection Officer / Datenschutzbeauftragter
List of external service providers
Below you can see or download the up-to-date list of external service Providers: