{"id":7253,"date":"2024-04-12T19:03:06","date_gmt":"2024-04-12T17:03:06","guid":{"rendered":"https:\/\/blueberry.dev.innotiv.design\/website-cookies\/"},"modified":"2024-04-19T14:43:15","modified_gmt":"2024-04-19T12:43:15","slug":"website-cookies","status":"publish","type":"page","link":"https:\/\/acredia.at\/en\/privacy-policy\/website-cookies\/","title":{"rendered":"Privacy Policy Website & Cookies"},"content":{"rendered":"\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Privacy Policy for the ACREDIA website & cookies\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

ACREDIA takes the protection of your personal data very seriously.\n\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Please note:<\/strong>\u00a0The English translation of the original German text is provided as a convenience only. Although it was prepared with great care, we cannot guarantee its accuracy or completeness.\u00a0Only the original German version is legally binding.<\/strong><\/p>

Acredia Versicherung AG and its subsidiary Acredia Services GmbH (hereinafter: \u201cACREDIA\u201d, \u201cwe\u201d, \u201cus\u201d) thank you for visiting this website and for your interest in our services and products. We are committed to the protection of your privacy and of your personal data and want you to feel secure while visiting our website. We comply with the applicable regulations on protection, lawful handling and confidentiality of personal data and on data security, in particular the Austrian Data Protection Act (\u201cDSG\u201d), the EU General Data Protection Regulation (\u201cGDPR\u201d) and the Austrian Telecommunications Act (\u201cTKG\u201d).<\/p>

General information<\/h2>

This Privacy Policy informs you about the type, scope and purposes of the processing of your personal data within our online offering on the Acredia Versicherung AG website\u00a0www.acredia.at<\/a>\u00a0and the
OeKB Versicherung\u00a0www.oekbversicherung.at<\/a>\u00a0and PRISMA Die Kreditversicherung
www.prisma-kredit.com<\/a>\u00a0product brand websites (hereinafter collectively: \u201cACREDIA website\u201d or \u201cour website\u201d) together with the associated services, functions, content and external web presence (hereinafter collectively: \u201conline offering\u201d). We therefore explain below in particular which personal data we collect, process and use when you use our online offering.<\/p>

Hyperlinks and plug-ins given on the ACREDIA website may direct users to other websites which are not operated by ACREDIA and to which our Privacy Policy does not apply. Those websites contain information that comes from independent third parties and that may be of interest and useful to visitors to the ACREDIA website. Only the relevant provider is liable for the content and design of those websites. Please note that we check such links carefully, but we have no influence on the content and security of the websites of other providers and cannot therefore assume liability.<\/p>

What are personal data?<\/h2>

Personal data pursuant to Article 4(1) GDPR are any information relating to an identified or identifiable natural person (\u201cdata subject\u201d). An identifiable natural person is one who can be identified, either directly or indirectly, for example by reference to an identifier such as a name or identification number, e.g. IBAN or VAT identification number. Data of legal persons and registered business partnerships (e.g. companies in Austria with the legal form \u201cOG\u201d or \u201cKG\u201d) are not protected by the GDPR, unless the company name enables an individual to be identified. Data of companies that are not legal persons (e.g. sole proprietorships) are, however, protected by the GDPR as natural persons.<\/p>

Which of your data do we record? For what purposes and on what legal basis do we process those data?<\/h2>

If you contact us<\/h3>

If you contact us by email, via the contact form on our website or via other electronic channels (such as social media platforms), we will process the personal data voluntarily provided by you, in particular: your name, email address, type of enquiry and\/or subject of your message and content of your message.<\/p>

If you contact us, we will process the personal data that you provided to process your request, to get in touch with you as requested and to send you the requested information. That data processing is therefore necessary for fulfilment of our (pre-) contractual obligations.<\/p>

In addition, we store log data on email correspondence to ensure appropriate information and system security and to detect malware, including the following data in particular: email and IP address of the recipient and sender, number of recipients, email subject, date and time of receipt by the server, file name of attachments, size of the message, spam risk classification and delivery status, reverse DNS and authentication details.<\/p>

Access data and log data<\/h3>

We collect and process data, including the following data in particular, when you use our website and the associated services, i.e. when you access the server on which the specific service is located (\u201cserver log files\u201d): name of the accessed website, file, date and time of the access, transmitted data volume, server status codes, processing time, browser type and client type including version, operating system, referrer URL (previously visited page), IP address and the content of any web forms.<\/p>

Those data are automatically generated by our servers when you use our website and are necessary in order for us to provide you with the desired services. We therefore solely process server log files to be able to provide our website and the associated services to you, to identify you as a user with access authorisation, to distribute web server requests on our server pool and for security reasons (e.g. to investigate misuse or fraud). The data processing is therefore necessary to safeguard our legitimate interests in providing a user-friendly and secure website.<\/p>

Usage data<\/h3>

Based on your consent, we also collect and process data about your use of and interaction with our website, including the following in particular: IP address, web browser, browser language, operating system, files requested on our website, Java settings, screen resolution, colour depth, clicks on the website (time of the access or click) and the web page from which you accessed our website (\u201creferrer URL\u201d).<\/p>

Those data are collected using \u201ctracking cookies\u201d (see the \u201cCookies\u201d chapter below). We use those usage data for web analysis, to improve our services and our website and to enhance user-friendliness. That data processing is conducted on the basis of your consent to the use of cookies on our website. You may withdraw that consent free of charge at any time with effect for the future (e.g. by adjusting the cookie settings of your browser).<\/p>

Newsletter<\/h3>

To obtain your consent to receive our newsletter, we use the \u201cdouble opt-in method\u201d, i.e. after registering for the newsletter, you will receive an email in which you are asked to confirm your registration. On the basis of your consent, we will process the personal data that you provided voluntarily when registering for the newsletter (name and email address) to send email newsletters concerning our current projects, marketing information and product information and to track your reading of our newsletter. We send our newsletter using the \u201cDialogMail<\/a>\u201d mailing tool. Please see here for DialogMail\u2019s privacy policy:\u00a0https:\/\/www.dialog-mail.com\/meta\/rechtliches\/datenschutz-richtlinie.php<\/a>.<\/p>

Performance measurement: Our newsletters contain a mechanism to track your reading behaviour. That enables us to determine whether our newsletters are opened, when they are opened and which links are clicked on. Those statistical analyses solely serve to allow us to obtain information about the reading habits of our newsletter recipients and to tailor our content accordingly.<\/p>

You may withdraw your consent to receipt of the newsletter at any time free of charge and with effect for the future (e.g. by using the unsubscribe link in the email newsletter or by sending an email to that effect to\u00a0postfach@acredia.eu<\/a>). After receipt of your withdrawal of consent, we will stop sending you email newsletters without delay and will delete your personal data from the email distribution list.<\/p>

Registration and user account<\/h3>

If you are registered on our website and have a user account for use of our online offering, we will also process your personal data, including the following data in particular: form of address, name, company, email address, address, telephone number and your access data.<\/p>

We solely process your user account data to provide your account and to provide our online offering, namely to conclude an insurance contract with you online and for performance of your insurance contract and placement of orders for the collection of receivables. That data processing is necessary for the fulfilment of our (pre-) contractual obligations.<\/p>

Data including the following are required to be entered for processing the online purchase: contact person, contact details, details of the policyholder and details of the policyholder\u2019s customers. For performance of your insurance contract, you may in particular provide turnover reports, submit credit assessment orders and file claims. You may place new orders for collection of receivables, for example by entering the details of the debtor company and the outstanding receivables. Details of said data processing are set out in the \u201cInformation on data processing pursuant to Articles 13 and 14 GDPR of Acredia Versicherung AG\u201d and the \u201cPrivacy Policy of Acredia Services GmbH\u201d.<\/p>

We do not process any special categories of personal data (Article 9(1) GDPR).<\/p>

Microsoft Clarity<\/h2>

We use Microsoft Clarity to analyze and optimize our website. If you have agreed to the use of functional cookies in our consent management tool Usercentrics, Microsoft Clarity will collect data about your user behavior on our website by means of a specially assigned user ID. Microsoft Clarity collects information about navigation, scrolling and clicking behavior. This data is stored on the Clarity server as pseudonymized recordings. This allows us to display heat maps, from which we can see where we can optimize our website for a better user experience. More information about how Microsoft Clarity works can be found here.<\/p>

Does the ACREDIA website use cookies?<\/h2>

Cookies are files that are transmitted to your web browser by our web server and are stored on your device for later retrieval. Using cookies, our website can store important data enabling us to provide our services to you and to make use of the website more convenient.<\/p>

Most of the cookies used by us are \u201csession cookies\u201d, which are only stored for the duration of your current visit to our website. These temporary cookies make your use of our website more convenient (for example, by adjusting the user settings for sorting of links and language selection in accordance with your needs). Session cookies are only valid for the duration of your specific visit to the website and are then automatically deleted. In addition, we use \u201cpersistent cookies”, which remain on your device and are not automatically deleted when you close your browser. Naturally you can also delete those cookies yourself at any time. Persistent cookies serve, in particular, to improve your user experience when you next visit our website by tailoring the website to your personal needs. That also enables optimisation of loading times.<\/p>

We use the following types of cookies on our website:<\/p>