Data Privacy

General

The protection of your data is important to us.

This data privacy statement informs you about the type, extent and purpose of collecting and using personal data by the operator of the website, namely KASKO Germany UG, Hoheluftchaussee 95, 20253 Hamburg (subsequently called “we”)

The legal bases for data privacy rules are the „Bundesdatenschutzgesetz“ (BDSG) [Federal Data Privacy Law] and the „Telemediengesetz“ (TMG) [Telemedia Law].

Data storage during insurance quotation

 If you request an insurance quote through our website, you agree that

  • your data will already be stored by us during the insurance quotation and subsequent purchase process
  • your data will be transferred to the insurance agent and/or insurer of the selected product in order to fulfil the insurance contract, regulate the claims and settle the accounts
  • you’ve noted the insurers terms and conditions and product information.

Payment

The payment is processed through our payment service provider Stripe Payments Europe, Ltd.

Data transfer to third parties

In order to provide contract fulfilment, claims regulation and settlement of accounts, we will transfer the following data to the insurance agent and/or insurer of the insurance product that you have selected

  • Personal data
    • First name
    • Surname
    • Email
  • Insurance data
    • Policy number
    • Insurance product
    • Purchase date
    • Start date
    • End date
  • Payment information
    • Insurance premium
    • Currency
    • Type of payment

Furthermore, our affiliated company KASKO LTD, which provides the necessary IT-Infrastructure, will process this data. We have a data processing agreement with KASKO LTD in accordance with § 11 BDSG.

We transfer the following payment data to our payment service provider Stripe Payments Europe, Ltd:

  • First name
  • Surname
  • Card number
  • Expiration date
  • Total Price

We don’t save this payment data ourselves.

Should we be legally obliged to transfer your data to a third or governmental party we will do so in accordance with existing data privacy laws.

Data security & transfer

Your data security is very important to us. This is why we use SSL encoding “Secure Socket Layer” (SSL Certificate verified by DigiCert SHA2 Secure Server CA) for all sensitive date. All saved technical communication data is then stored on high security servers from Amazon RDS in Germany and Ireland.

Information about cookies

(1) To optimize our web presence, we use cookies. These are small text files stored in your computer’s main memory. These cookies are deleted after you close the browser. Other cookies remain on your computer (long-term cookies) and permit its recognition on your next visit. This allows us to improve your access to our site.
(2) You can prevent storage of cookies by choosing a “disable cookies” option in your browser settings. But this can limit the functionality of our Internet offers as a result.

Web analysis with Google Analytics

This website uses Google Analytics, a web analysis service of Google Inc. (Google). Google Analytics uses cookies, i.e. text files stored on your computer to enable analysis of website usage by you. Information generated by the cookie about your use of this website is usually transmitted to a Google server in the United States and stored there. In case of activated IP anonymization on this website, however, your IP address is previously truncated by Google within member states of the European Union or in other states which are party to the agreement on the European Economic Area. Only in exceptional cases is a full IP address transmitted to a Google server in the United States and truncated there. On behalf this website’s owner, Google will use this information to evaluate your use of the website, compile reports about website activities, and provide the website’s operator with further services related to website and Internet usage. The IP address sent from your browser as part of Google Analytics is not merged with other data by Google. You can prevent storage of cookies by appropriately setting your browser software; in this case, however, please note that you might not be able to fully use all functions offered by this website. In addition, you can prevent data generated by the cookie and relating to your use of the website (including your IP address) from being collected and processed by Google, by downloading and installing a browser plug-in from the following link: http://tools.google.com/dlpage/gaoptout?hl=en

Tracking & Marketing

Google AdWords
Our website uses the Google conversion tracking tool. Google places a cookie onto your browser if you came to our website through a Google advertisement. The cookie for tracking conversions is being placed when you clicked on a Google advertisement. These cookies expire after 30 days and are not used for personal identification. If you visit certain parts of our website prior to the expiration of the cookie both Google and we can see that you originally clicked on the advertisement and were forwarded to our site.

Bing Ads
Our website uses the Bing conversion tracking tool. Bing places a cookie onto your browser if you came to our website through a Bing advertisement. The cookie for tracking conversions is being placed when you clicked on a Bing advertisement. These cookies expire after 30 days and are not used for personal identification. If you visit certain parts of our website prior to the expiration of the cookie both Bing and we can see that you originally clicked on the advertisement and were forwarded to our site.

Facebook Ads
Our website uses the Facebook conversion tracking tool. Facebook places a cookie onto your browser if you came to our website through a Facebook advertisement. The cookie for tracking conversions is being placed when you clicked on a Facebook advertisement. These cookies expire after 30 days and are not used for personal identification. If you visit certain parts of our website prior to the expiration of the cookie both Facebook and we can see that you originally clicked on the advertisement and were forwarded to our site.

Kasko E-Mail Newsletter
You have the option to register for our newsletter. To do so you need to give us your email, request the newsletter and then click on the activation link within the confirmation email. You can unsubscribe at any time by clicking on the unsubscribe link or sending us an email at support@kasko.io.

Disclosure

According to the Federal Data Protection Act, you have a right to free-of-charge information about your stored data, and possibly entitlement to correction, blocking or deletion of such data. Inquiries can be directed to the following e-mail addresses: (support@kasko.io.)