Data Privacy Statement pursuant to Art. 13 and 14 EU General Data Protection Regulation (GDPR)
By means of this statement we are informing you (in particular as policyholders, contracting parties, injured parties and claimants, beneficiaries of our customers, negotiating partners, brokers, interested parties, employees, applicants, investors, shareholders, suppliers, service providers, lessees as well as contact persons for the aforementioned groups) about the processing of your personal data that we, as Hannover Rück SE, have received directly and/or indirectly and about the rights to which you are entitled under data privacy law.
1. Responsible data controller
Hannover Rück SE
Tel. +49 511 5604-0
Fax +49 511 5601-1188
You can reach our Data Protection Officer by post at the aforementioned address (please include the additional address line "Data Protection Officer") or by e-mail via our data privacy group mailbox at email@example.com.
2. Purposes and legal bases of data processing
We process your personal data in conformity with the EU General Data Protection Regulation (GDPR), the Federal Data Protection Act (BDSG) and all other relevant laws.
Insurance undertakings may pass on part of their risks from insurance contracts to reinsurers in order to actively manage their insured portfolio and so as to be able to fulfil their obligations to indemnify under the insurance relationships at all times. For the purpose of properly establishing, implementing or terminating a reinsurance treaty, we normally receive from your insurer only anonymised data. Insofar as anonymous data do not suffice for the specified purposes, we receive the data from the insurance application or relationship in pseudonymised form.
We receive your personal data primarily only to the extent that this is necessary for the purposes of the reinsurance. In particular, this may occur for the following reasons:
- independent underwriting or claims management in the case of, for example, large contract amounts or in connection with a risk that is difficult to assess in a specific case,
- evaluation of portfolio lists for the purpose of determining possible accumulation risks,
- verification of the obligation to indemnify your insurer or checking of the underwriting and claims management performed by the primary insurer on a random basis or in relation to specific cases,
- assisting your insurer with the assessment of risks and claims as well as with the evaluation of process flows.
Furthermore, we require your personal data for the compilation of insurance-specific statistics, for example for the development of new tariffs or for the fulfilment of supervisory requirements.
The legal basis for the processing of personal data for the aforementioned purposes is Art. 6 (1) b) GDPR. Insofar as special categories of personal data (e.g. data concerning your health when taking out a life insurance contract) are required to this end, your insurer will as a matter of principle obtain your consent pursuant to Art. 9 (2) a) in conjunction with Art. 7 GDPR. If we compile statistics with these categories of data, this is done on the basis of Art. 9 (2) j) GDPR in conjunction with Section 27 BDSG or Art. 5 (1) b) in conjunction with Art. 6 (4) GDPR.
Further purposes for which personal data are processed include, most notably, for the administration of shareholders and members of bodies required by law or the articles of association, suppliers and service providers, interested parties / newsletter subscribers as well as for the offering of media services and real estate / building management and property security. These processing operations are conducted on the legal basis of Art. 6 (1) GDPR.
We also process your data in order to safeguard our legitimate interests or those of third parties (Art. 6 (1) f) GDPR). In particular, this can be necessary:
- to ensure IT security and IT operations,
- to comply with official requirements.
Above and beyond this, we process your personal data in order to fulfil legal requirements such as supervisory standards and retention obligations under commercial and tax law or the cross-checking of your data against so-called sanctions lists in order to comply with legal stipulations for combatting terrorism (e.g. Council Regulation (EC) No. 2580/2001). In this case the relevant legal provisions in conjunction with Art. 6 (1) c) GDPR serve as the legal basis for such processing.
Should we wish to process your personal data for a purpose not specified above, we shall inform you in advance within the framework of the applicable legal provisions.
3. Sources of personal data
As a general principle, your data are passed on to us by your insurer within the scope of the aforementioned purposes. In addition, we also make use of databases from third-party providers in conformity with legal provisions. Furthermore, we use data from publically accessible sources, especially for the evaluation of large losses or for accumulation control.
4. Categories of personal data
Essentially, the following data and data categories are collected, processed and used:
- Address data
- Insurance contract data
- Claims data
- Health data
- Billing and benefit data
- Contact data
- Bank details
- Share register data
5. Categories of recipients of personal data
In order to fulfil our contractual and legal obligations we utilise to some extent external service providers in the following categories:
- Surveyors / medical experts for the preparation of expert opinions for underwriting and claims management
- IT service providers for the maintenance, operation and protection of systems and applications, data recovery and destruction of data media
- Service providers to assist with application and portfolio processing, such as translators, audit service providers, service providers for the storage and destruction of files
In addition, we may transfer your personal data in specific cases to other recipients. These include, for example, public authorities in order to fulfil statutory duties of notification or other reinsurers to whom we transfer risks (retrocessionaires).
6. Duration of data storage
We erase your personal data as soon as they are no longer needed for the aforementioned purposes. In this context it may occur that personal data are stored for the period in which claims can be asserted against our company (statutory limitation period of three or up to thirty years). In addition, we store your personal data to the extent that we are required to do so by law. Corresponding documentation and retention duties derive from, among other things, the Commercial Code, the Fiscal Code and the Money Laundering Act. The retention periods under such laws are up to ten years.
7. Data transfer to a third country
If we transfer personal data to an undertaking/service provider and/or authorities outside the European Economic Area (EEA), the transfer only takes place if the European Commission has confirmed that the third country ensures an adequate level of data protection or other adequate data protection safeguards (e.g. mandatory internal corporate data protection rules or EU standard contract wordings) are in place. Detailed information in this regard and concerning the level of data protection at our service providers in third countries can be requested from the contact information specified under Item 1.
8. Automated decision-making and profiling
We process your data on a partially automated basis in order to support decision-making by our employees in certain situations. Should we fully automate these operations in the future, we shall inform you accordingly in advance so that you can safeguard your rights.
9. Rights of data subjects
You may require information about the data stored on your person by contacting the address specified above. In addition, you may, under certain circumstances, require the rectification or erasure of your data. Furthermore, you may be entitled to a right to restrict the processing of your data as well as a right to be provided with the data made available by you in a structured, commonly used and machine-readable format.
10. Right to object
If we process your data to protect legitimate interests, you may register your objection to this processing with our Data Protection Officer at the aforementioned address if there are reasons associated with your particular situation that oppose such data processing.
11. Right to complain
You have the option to complain to the aforementioned Data Protection Officer or a responsible data protection supervisory authority.
The data protection supervisory authority responsible for our company is the Data Protection Commissioner for the State of Lower Saxony:
Die Landesbeauftragte für den Datenschutz Niedersachsen
Phone: +49 (0511) 120 45 00
Fax: +49 (0511) 120 45 99
12. Local specificities
Insofar as country-specific peculiarities need to be observed for the processing of your data, you will find them in the country-specific sections of our website.
Data privacy information in connection with your use of our websites
1. Scope of application and basic principles
We attach considerable importance to the protection of your personal data. You can learn more about the general and extensive measures that we take to protect your data in our Data Privacy Statement pursuant to Art. 13 and 14 EU General Data Protection Regulation. In the following we provide you with specific information in connection with your use of our websites.
2. Collection and processing of your data
We collect your data in various ways:
Access data and server log files
In order to technically optimise the utilisation of our Internet offerings, we require information about which technical tools are used to access which of our webpages. We save these data temporarily in so-called server log files. These are forwarded to the service provider New Relic for the purposes of analysis and, as appropriate, troubleshooting. The data do not include any personal data.
Subscription to our e-mail notification service
If you are a subscriber to our e-mail Notification Service, you receive e-mail notifications of current press releases that you can access under www.hannover-rueck.de or www.hannover-re.com. We use the data provided by you for this purpose solely for sending our notification e-mails. You may choose to stop receiving these notifications at any time because each notification e-mail contains a link via which you can cancel the receipt of these e-mails.
Direct inquiries using contact forms or via e-mail
Inquiries that we receive via the contact or order form or which you send directly to a contact person at the Hannover Re Group are forwarded as necessary by us internally within the Group to the relevant responsible area.
In view of our global presence, the responsible area within the Group may be located outside the European Economic Area (EEA). In this case too, however, your data are used solely to respond to your particular inquiry and in accordance with the relevant applicable statutory provisions. In this respect, our binding corporate rules safeguard the necessary level of data privacy also in connection with such data transfers.
Cookies are small files that we send through your Web browser to your computer's hard drive and which we can read during your current visit to our webpages and upon subsequent visits. Our cookies enable us to make the use of special functionalities available to you.
You can prevent cookies being saved by setting your browser software accordingly; we would, however, point out to you that in this case you may not be able to use all functions of this website to the full extent.
You may, however, choose to systematically and completely prevent such logging of your visit to our website by Piwik. To make that choice, please click the following link.
You are currently opted in. Click here to opt out.
You are currently opted out. Click here to opt in.
Clicking the link will place an opt-out cookie on your computer that prevents logging of your data when visiting this website.
Please note: If you choose to delete all cookies on your computer through your browser, the opt-out cookie will also be deleted. In this case you will need to opt out again.
Finally, we make use of offerings from external service providers in connection with the HTML Annual Report and the Applicants' Portal. The tool etracker is additionally used for analytics purposes in the area of the HTML Annual Report. In the case of both offerings, further cookies are also placed on your computer when accessing the HTML Annual Report or upon registering with the Applicants' Portal. These areas are, however, subject to separate Data Privacy Statements of which you will be informed when making use of the respective offering.
4. Further information
Further information, particularly regarding the topics
- disclosure of your data,
- data security,
- your rights,
- our Data Protection Officer and/or
can also be found in our Data Privacy Statement pursuant to Art. 13 and 14 EU General Data Protection Regulation.
5. Reservation of right of modification
We reserve the right to modify these data privacy rules at any time within the limits set by applicable laws.