A. General information
UNIQA Versicherung AG, Austrasse 46, 9490 Vaduz, Telefon: +423 237 50 11, E-Mail: info@uniqa.li is responsible for adequately protecting your personal data. UNIQA therefore observes all legal provisions on the protection, lawful handling and non-disclosure of personal data, and on data security. We process your personal data as prescribed in the General Data Protection Regulation (GDPR), the Data Protection Acts (DSG / revDSG), and all other relevant laws.
The following privacy policy shall apply to all websites of UNIQA Versicherung AG (hereinafter referred to as "UNIQA"). The purpose of this document is to demonstrate the method of collection, processing, and use of your personal information during and in connection with your visit and/or registration to UNIQA websites.
We are committed to protecting your privacy in the course of handling of personal information; hence, we exercise the expectable care and diligence when processing your personal information.
The websites of UNIQA may also contain links to other websites, which are not controlled by UNIQA; therefore, visiting such websites is at your sole responsibility. UNIQA assumes no responsibility or liability for such other websites, the content or privacy practices thereof.
B. Security of your personal information
The Internet is a worldwide open compound of computer networks. You may disclose your personal data on the Internet at your own risk.
To protect your personal information, UNIQA has implemented adequate security standards. However, despite extensive technical and organizational security precautions, no absolute security may be granted.
For the reason indicated hereinabove, please kindly be requested to support our security efforts by refraining from the disclosure of sensitive or not required information. In this context, please also pay attention to log out every time, when you leave an area of the website that is protected by the requirement of user registration/login.
C. The purpose and legal basis of processing your personal data
UNIQA collects, processes and uses your personal information solely for the following purposes:
1. Fulfilment of contract and implementation of pre-contract measures:
We use your personal data in accordance with Art. 6 Clause 1 b of the GDPR,
- for assessing the risk to be assumed by us
- to determine whether and on what terms the insurance contract can be concluded or an amendment to the contract can be made
- for processing offers and applications
- for preparing contracts
- from a legal insurance contract for its implementation, fulfilment, administration, accounting, loss assessment, provision of information as part of the payment processing and checking if you have a claim for payment
- for ongoing customer care and information provision
- for managing changes to master data and contract data
Conclusion and fulfilment of the respective insurance contract are only possible if we are able to process your personal data. If you do not give us the required data, your insurance contract cannot be concluded.
2. Your data can also be processed in the interests of UNIQA or a third party:
Primarily in accordance with Art. 6 Clause 1 f of the GDPR for:
- Risk assessment, offsetting risks assumed by us and making sure your claims are met
- Preparing statistics on the development of new tariffs, customer care, processing offers and applications, contract administration and service provision, risk mitigation
- Obtaining credit reports, particularly for advance mitigation of default risk in long-term investments
- The ongoing improvement of our processes, to give a long-term guarantee of the high quality of our consulting and support
- Risk assessment in the event of an application, to establish facts when checking payment and in combating insurance fraud.
- Prevention and investigation of offences. For this we particularly use data analyses to identify indications of insurance fraud.
- Market research such as satisfaction surveys and studies on services provided, advice and direct marketing can be regarded as processing that serves legitimate interests, provided they result from considering the balance of interests of the respective market research or direct marketing activities. Otherwise we will only use your data for these purposes with your separate consent which can be revoked at any time.
- Ensuring IT security and operation, carrying out stress tests, development of new and adaptation of existing products and systems, migration of data to ensure the load capacity and integrity of the systems and thus by extension also of the processed data. Here the personal data provided is predominantly used for tests where this cannot take place with a justifiable economic cost on the basis of anonymous data, provided data security is self-evidently consistently guaranteed in accordance with Art 32 of the GDPR.
- to manage, operate, maintain and improve the website.
- to customize and tailor the content and offers of the website to your personal preferences
- to analyse customer behaviour
- to answer questions and comments
- to communicate various matters (such as safety notifications, support- and administration-related information, etc.)
3. Compliance with statutory obligations:
UNIQA has statutory obligations e.g. regulatory requirements, advisory obligations, and tax or company law provisions. To enable us to comply with these, we process your personal data in accordance with Art 6 Clause 1 c of the GDPR only to the extent required by the respective law.
Should that be required by the respective laws and regulations, UNIQA will ask for your permission prior to the collection, processing, and use of your personal data. In addition, within the frames of the related legal obligations, UNIQA will provide you with appropriate prior notification of any new or another purpose of processing of your personal information.
Furthermore, UNIQA hereby represents and warrants that access to your personal information will be granted to a limited group of persons only, as much as such access is required to the performance of their tasks and duties.
D. Types and categories of your personal information
Besides the data provided voluntarily (by means of filling out online forms, sending e-mails, the creation of login account, etc.), UNIQA also handles, processes and uses data collected by it actively in connection with the use of the website. Hence, no exhaustive list of the different types and categories of your personal data that UNIQA might collect, process and use is possible to be given. In general, personal information comprise the following types and categories of data:
- name, title and address
- personal contact details (telephone, e-mail, etc.)
- data of and your function in the organization you represent (name, address, department, contact details, etc.)
- all relevant information concerning your computer and your connection (IP address, operating system, type, version and configuration of your browser, name of your Internet provider, etc.) to enable the connection to and use of the website and the exchange of data
- the relevant information of the websites (URL, IP address, etc.), from which you were redirected to or accessed the website of UNIQA, as well as date and time thereof
- all subpages and links (URL Clickstream) visited during the use of the website of UNIQA, as well as the date and time thereof
- all queries, the messages and orders sent
- the history of all open and completed queries, orders and transactions
- the collected search terms, as well as the products and services you checked on the website of UNIQA
- information collected by means of using cookies or similar technologies
- signs in into your account, etc.
- all consents and authorizations granted
- all information you provided on or uploaded to the website of UNIQA (e.g. online forms, etc.).
E. Transfer of your personal information to and the recipient thereof in a third country
UNIQA is a European organization. Therefore, your personal data may be stored and processed outside of your home country. UNIQA may transfer your personal information within the corporate group to the Headquarter Austria as central administration and to the Group Service Center Slovakia. Without your expressed consent, UNIQA may not trade, disclose, forward or otherwise share your personal information in any form and by any means.
UNIQA may transfer your personal information within the corporate group to third countries without an adequacy decision of the EU-Commission in exceptional cases only. In such a case, UNIQA shall ensure the safety of data processing by means of an intercompany agreement, based on GDPR (General Data Protection Regulation) respectively the new Swiss Data Protection Act (revDSG).
Any request to disclose your personal information to authorities will be handled in strict compliance with the applicable laws.
F. The term of storage of your personal information
Your personal information will be stored by UNIQA as long as it is necessary for the purpose for which such data were collected, in accordance with the data storage guidelines and / or the applicable legal principles.
G. Possibilities to protect your personal information
There are several options available to protect your personal information, which UNIQA collects, processes and uses. Some of these options are the following:
- you may choose not to provide certain personal information, especially when you are requested by UNIQA to grant your consent to the collection of such information
- you may revoke your previous consent granted in relation to data protection at any time, with respect to the future
- you may select upon the registration the scope of personal data you intend to make available for UNIQA
- you may inquire whether, and which personal data of yours are collected, processed and used by UNIQA
- you may request the correction of incorrect personal data at any time
- you may request the deletion of your personal data, provided that the processing thereof is based on your consent
- you may request the limitation of or object to the processing of your personal data
- you may request the transferability of your personal data.
In case you intend to exercise your right to file a complaint against UNIQA, please contact the Data Protection Agency in Liechtenstein, as the competent supervisory authority. http://www.llv.li/#/1758
H. The use of cookies and similar technology
The purpose of cookies is generally to improve the performance and use of the website. In addition, cookies may also serve advertising purposes.
UNIQA uses in connection with its website the following type of cookies or similar technologies:
- Matomo (analytics cookies that help us collect general data about website usage and interaction in order to analyse and improve the use of our website).
You may change the cookie settings of your browser at any time or completely refuse to accept the use of cookies and thus restrict the disclosure of your personal data. However, please be aware of the fact that, should you opt for this possibility, you may not be able to benefit from some functions and features of the website.
A detailed explanation of cookies and a description of how they work can be found on the website ‘All About Cookies’.
< http://www.allaboutcookies.org/ >
For information about the Terms of Use and the Privacy Policy of Matomo, please visit: https://matomo.org/privacy-policy/
I. Changes in the privacy policy
The business activities of UNIQA are subject to a constant change; hence, this privacy policy may also be amended from time to time accordingly. In case of an amendment, UNIQA publishes the updated privacy policy, indicating the date of such new version in the last line of the text. The continued use of the website of UNIQA shall be deemed as an acceptance of the updated version.
J. Contact
Your feedback is always welcome.
Should you have questions or comments about our privacy practices or concerning your personal information stored by UNIQA, please contact the privacy officer: <datenschutz@uniqa.li>
Last updated on 13.12.2024