Privacy Policy

1. Privacy at a Glance
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General Information
This document provides an overview of what happens to your personal data when you visit our website. Personal data includes all information that can identify you personally. For detailed information on data protection, please refer to our full policy below.

‍Data Collection on This Website
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Who is responsible for data collection on this website?
‍The data processing on this website is carried out by us, the website operators. Our contact details are listed in the section "Notice on the Responsible Party" below.
‍How do we collect your data?
‍Your data is collected in two ways:Directly from you when you provide it to us, e.g., through contact forms.Automatically when you visit our website. This includes technical data (e.g., your browser, operating system, or time of access). This data is collected automatically when you access our website.
‍What do we use your data for?
‍We collect your data to Ensure the proper functioning of our website.Analyze user behavior to optimize the website.
‍What rights do you have regarding your data?
‍You have the right to access your data, request corrections, or demand deletion at any time. Additionally, under certain conditions, you can request restricted processing of your data. For more details, please refer to “Your Rights” below.

2. Hosting and Content Delivery

External Hosting
Our website is hosted by an external provider:

Webflow
The provider is Webflow, Inc., 398 11th Street, 2nd Floor, San Francisco, CA 94103, USA (hereinafter referred to as Webflow). When you visit my website, Webflow collects various log files, including your IP address. Webflow is a tool for creating and hosting websites. Webflow stores cookies or other recognition technologies that are necessary for the presentation of the site, the provision of certain website functions, and to ensure security (necessary cookies). For details, please refer to Webflow's privacy policy: https://webflow.com/legal/eu-privacy-policy.The use of Webflow is based on Art. 6(1)(f) GDPR. I have a legitimate interest in ensuring the most reliable presentation of my website. Where consent has been requested, the processing is carried out exclusively on the basis of Art. 6(1)(a) GDPR and § 25(1) TTDSG, insofar as the consent includes the storage of cookies or access to information on the user’s device (e.g., device fingerprinting) as defined by TTDSG. Consent can be revoked at any time.Data transfers to the USA are based on the standard contractual clauses of the EU Commission.
Details can be found here: https://webflow.com/legal/eu-privacy-policy.

‍Data Processing Agreement
We have concluded a Data Processing Agreement (DPA) for the use of the above-mentioned service. This is a contract required under data protection law, which ensures that the provider processes the personal data of our website visitors solely in accordance with our instructions and in compliance with the GDPR.

3. General Information and Mandatory Disclosures

Data Protection
The operators of this website take the protection of your personal data very seriously. We treat your personal data confidentially and in accordance with the statutory data protection regulations as well as this privacy policy.When you use this website, various personal data are collected. Personal data are data with which you can be personally identified. This privacy policy explains which data we collect and how we use them. It also explains how and for what purpose this occurs.We would like to point out that data transmission over the Internet (e.g., communication by email) may have security vulnerabilities. Complete protection of the data against access by third parties is not possible.
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‍Notice on the Responsible Party
The responsible party for this website is:

DFV Deutsche Finanz- und Versicherungsvergleich GmbH
‍Johannesplatz 4
52428 Jülich
Phone: +49 2461 9983007
Email: contact@insurance4expats.de

The responsible party is the individual or legal entity determining the purposes and means of processing personal data.

‍Storage Duration
Unless a more specific storage period is specified within this privacy policy, your personal data will remain with us until the purpose for processing the data is no longer applicable. If you make a legitimate deletion request or revoke your consent for data processing, your data will be deleted, unless we have other legally permissible grounds for storing your personal data (e.g., tax or commercial law retention periods); in the latter case, deletion will occur once these reasons no longer apply.

‍General Information on the Legal Basis for Data Processing on This Website
‍If you have given consent for data processing, we process your personal data based on Art. 6(1)(a) GDPR or Art. 9(2)(a) GDPR if special categories of data are processed under Art. 9(1) GDPR. In the case of explicit consent for the transfer of personal data to third countries, data processing is also based on Art. 49(1)(a) GDPR. If you have consented to the storage of cookies or access to information on your device (e.g., via device fingerprinting), data processing also takes place based on § 25(1) TTDSG. Consent can be withdrawn at any time. If your data is required for contract fulfillment or pre-contractual measures, we process your data based on Art. 6(1)(b) GDPR. Furthermore, we process your data if necessary for compliance with a legal obligation based on Art. 6(1)(c) GDPR. Data processing may also occur based on our legitimate interest under Art. 6(1)(f) GDPR. The relevant legal bases for data processing are provided in the following sections of this privacy policy.

Note on Data Transfer to the USA and Other Third Countries
‍We use tools from companies located in the USA or other third countries with insufficient data protection standards. When these tools are active, your personal data may be transferred to these third countries and processed there. We point out that in these countries, an equivalent level of data protection to that of the EU cannot be guaranteed. For example, US companies are required to disclose personal data to security authorities, and you, as the data subject, may not have legal recourse. It cannot be excluded that US authorities (e.g., intelligence agencies) may process, analyze, and store data located on US servers for surveillance purposes. We have no influence over these processing activities.

‍Recipients of Personal Data
‍As part of our business activities, we work with various external parties, and in some cases, the transfer of personal data to these external parties is necessary. We only share personal data with external parties if it is required for the fulfillment of a contract, if we are legally obligated to do so (e.g., sharing data with tax authorities), if we have a legitimate interest under Art. 6(1)(f) GDPR in sharing the data, or if another legal basis permits the data transfer. When using processors, we only share personal data with them based on a valid data processing agreement. In the case of joint processing, a joint processing agreement is concluded.

‍Revocation of Your Consent for Data Processing
‍Many data processing activities are only possible with your explicit consent. You may revoke any consent given at any time. The legality of data processing carried out prior to your revocation remains unaffected by the revocation.

‍Right to Object to Data Collection in Special Cases and to Direct Marketing (Art. 21 GDPR)
‍IF THE DATA PROCESSING IS BASED ON ART. 6(1)(E) OR (F) GDPR, YOU HAVE THE RIGHT TO OBJECT AT ANY TIME, ON GROUNDS RELATING TO YOUR PARTICULAR SITUATION, TO THE PROCESSING OF YOUR PERSONAL DATA; THIS ALSO APPLIES TO PROFILING BASED ON THESE PROVISIONS. THE RELEVANT LEGAL BASIS FOR DATA PROCESSING CAN BE FOUND IN THIS PRIVACY POLICY. IF YOU OBJECT, WE WILL NO LONGER PROCESS YOUR AFFECTED PERSONAL DATA UNLESS WE CAN DEMONSTRATE COMPELLING LEGAL GROUNDS FOR THE PROCESSING THAT OVERRIDE YOUR INTERESTS, RIGHTS, AND FREEDOMS, OR THE PROCESSING IS NECESSARY FOR THE ESTABLISHMENT, EXERCISE, OR DEFENSE OF LEGAL CLAIMS (OBJECTION UNDER ART. 21(1) GDPR). IF YOUR PERSONAL DATA IS PROCESSED FOR DIRECT MARKETING PURPOSES, YOU HAVE THE RIGHT TO OBJECT AT ANY TIME TO THE PROCESSING OF YOUR PERSONAL DATA FOR SUCH MARKETING, INCLUDING PROFILING TO THE EXTENT THAT IT IS RELATED TO SUCH DIRECT MARKETING. IF YOU OBJECT, YOUR PERSONAL DATA WILL NO LONGER BE USED FOR DIRECT MARKETING PURPOSES (OBJECTION UNDER ART. 21(2) GDPR).

‍Right to Lodge a Complaint with the Supervisory Authority
‍In the event of violations of the GDPR, data subjects have the right to lodge a complaint with a supervisory authority, particularly in the member state of their habitual residence, place of work, or the location of the alleged infringement. This right to lodge a complaint is without prejudice to other administrative or judicial remedies.

‍Right to Data Portability
‍You have the right to request that data which we process automatically based on your consent or for the fulfillment of a contract be handed over to you or to a third party in a commonly used, machine-readable format. If you request the direct transfer of data to another data controller, this will only be done if technically feasible.

Access, Rectification, and Deletion
‍You have the right to request free information about your stored personal data, its origin, recipients, the purpose of data processing, and, if applicable, the right to rectification or deletion of this data, in accordance with applicable legal provisions. For this purpose and for any further questions regarding personal data, you may contact us at any time.

‍Right to Restriction of Processing
‍You have the right to request the restriction of processing of your personal data. For this purpose, you may contact us at any time. The right to restriction of processing applies in the following cases:
- If you dispute the accuracy of your personal data stored with us, we usually need time to verify this. During the verification period, you have the right to request the restriction of processing of your personal data.
- If the processing of your personal data is unlawful, you can request the restriction of data processing instead of deletion.
- If we no longer need your personal data but you require it for the establishment, exercise, or defense of legal claims, you have the right to request the restriction of processing instead of deletion.
- If you have lodged an objection under Art. 21(1) GDPR, we must balance your interests against ours. While it is still unclear whose interests outweigh the other, you have the right to request the restriction of processing of your personal data. If you have restricted the processing of your personal data, such data may only be processed with your consent, for the establishment, exercise, or defense of legal claims, for the protection of the rights of another natural or legal person, or for reasons of important public interest of the European Union or a member state.

‍SSL/TLS Encryption
‍This site uses SSL or TLS encryption for security reasons and to protect the transmission of confidential content, such as orders or inquiries that you send to us as the site operator. You can recognize an encrypted connection by the change in the browser address bar from "http://" to "https://" and by the lock symbol in your browser bar. When SSL or TLS encryption is activated, the data you transmit to us cannot be read by third parties.
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4. Data Collection on Our Website

Cookies
Our website uses so-called "cookies." Cookies are small data packages that do not cause any harm to your device. They are either temporarily stored for the duration of a session (session cookies) or permanently (persistent cookies) on your device. Session cookies are automatically deleted after your visit ends. Persistent cookies remain on your device until you delete them yourself or an automatic deletion occurs through your web browser. Cookies may be placed by us (first-party cookies) or by third-party companies (so-called third-party cookies). Third-party cookies enable the integration of certain services from external companies within websites (e.g., cookies for payment services). Cookies serve different purposes.Many cookies are technically necessary because certain website functions would not work without them (e.g., the shopping cart function or video display). Other cookies can be used to analyze user behavior or for advertising purposes. Cookies that are necessary for carrying out the electronic communication process, providing specific functions requested by you (e.g., for the shopping cart), or optimizing the website (e.g., cookies for measuring web traffic) are stored based on Art. 6(1)(f) GDPR, unless another legal basis is specified. The website operator has a legitimate interest in storing necessary cookies for the technically error-free and optimized provision of their services. If consent for the storage of cookies and similar recognition technologies is requested, processing is carried out solely based on this consent (Art. 6(1)(a) GDPR and § 25(1) TTDSG); consent can be revoked at any time. You can configure your browser to inform you when cookies are set and allow cookies only on a case-by-case basis, exclude the acceptance of cookies for certain cases or generally, and activate automatic deletion of cookies when the browser is closed. If cookies are disabled, the functionality of this website may be restricted. You can find out which cookies and services are used on this website in this privacy policy.

‍Contact Form
If you send us inquiries via the contact form, the details from the inquiry form, including the contact information you provide, will be stored by us for the purpose of processing the request and in case of follow-up questions. We do not share this data without your consent. The processing of this data is based on Art. 6(1)(b) GDPR if your request is related to the fulfillment of a contract or is necessary for the performance of pre-contractual measures. In all other cases, processing is based on our legitimate interest in effectively handling the inquiries addressed to us (Art. 6(1)(f) GDPR) or on your consent (Art. 6(1)(a) GDPR), if requested; consent can be revoked at any time. The data you enter in the contact form will remain with us until you request deletion, revoke your consent to storage, or the purpose for storing the data no longer applies (e.g., after your inquiry has been processed). Mandatory legal provisions, especially retention periods, remain unaffected.

Inquiries via Email, Phone, or Fax
If you contact us via email, phone, or fax, your inquiry, including any resulting personal data (e.g., name, inquiry), will be stored and processed for the purpose of handling your request. We do not share this data without your consent. The processing of this data is based on Art. 6(1)(b) GDPR, if your inquiry is related to the fulfillment of a contract or necessary for pre-contractual measures. In all other cases, the processing is based on our legitimate interest in effectively handling the inquiries addressed to us (Art. 6(1)(f) GDPR) or on your consent (Art. 6(1)(a) GDPR), if given; consent can be withdrawn at any time. The data you send us via inquiries will remain with us until you request its deletion, withdraw your consent to storage, or the purpose for storage no longer applies (e.g., after the processing of your request is completed). Mandatory legal provisions—particularly statutory retention periods—remain unaffected.

‍5. Analytical Tools and Advertising

Google Analytics
We use Google Analytics to analyze website traffic. Google Analytics uses cookies to collect information about user behavior. This data is usually transferred to a Google server in the U.S. and stored there.We use IP anonymization, ensuring that your IP address is truncated within the European Union before being sent to the U.S.You can opt out of Google Analytics by installing the browser add-on provided by Google: https://tools.google.com/dlpage/gaoptout.

‍Legal Basis
Data processing is based on Article 6(1)(f) GDPR (legitimate interest).

6. Your Rights

Access, Correction, Deletion
You have the right to request information about the personal data we hold about you. You can also request corrections or deletion of your data.

‍Restriction of Processing
You can request that we restrict the processing of your personal data in certain circumstances, e.g., if you dispute the accuracy of the data.

‍Right to Object
You have the right to object to data processing based on legitimate interests or for direct marketing purposes.

‍Right to Data Portability
You can request to receive the data you provided to us in a structured, machine-readable format or request its transfer to another controller.

‍Revocation of Consent
You may revoke your consent to data processing at any time by contacting us.

‍Filing Complaints
If you believe your data is being handled unlawfully, you have the right to lodge a complaint with a supervisory authority.

7. Updates to This Policy

‍Currency and Changes to This Privacy Policy
Version: 20.01.2025
We reserve the right to update this privacy policy in order to comply with legal requirements or to reflect changes in our services. The current version of the privacy policy is always available on our website.

‍Contact Information
If you have any questions regarding this privacy policy, please contact us:
contact@insurance4expats.de