|Data controller||Data protection officer|
|BDAE Holding GmbH
Tel. +49 40 30 68 74-0
|Protection Officer BDAE Group
Tel. +49 40 30 68 74-18
Purposes and legal basis for the processing
The processing of your personal data is carried out in accordance with the provisions of the European General Data Protection Regulation (GDPR), the German Federal Data Protection Act (BDSG) and all other applicable laws.
This website collects, processes and uses personal data only to the extent that it is necessary.
When our website is accessed, we process anonymised data such as the IP address and browser of the visitor as well as the date and time of the access. It is not possible to personally identify the visitor with this data. The use of the data is carried out exclusively for technical and statistical purposes and to improve our offerings as well as to make the website available on the basis of Art. 6(1)(ac) GDPR in conjunction with § 25 para. 2 TTDSG (legal obligation)..
If you apply for insurance cover online or by post, we require the information that you thereby provided such as your name, home and contact address and birth date in order to conclude the contract.
If the insurance contract is concluded then we will process your data for the performance of the contractual relationship, which includes the issuing of policies, billing and claims processing, among other things.
The conclusion and performance of the insurance contract are not possible without the processing of your personal data.
The legal basis for the processing of your personal data in this regard is Article 6(1)(b) GDPR.
On our website you also have the option to subscribe to the newsletter "Living and Working Abroad". If you do, we will save your email address, the subscription date and your IP address. The consent that you grant us through the double opt-in process by confirming your subscription by email is, in accordance with Article 6(1)(a) GDPR, the legal basis for the processing of your personal data in this regard.
Recipients or recipient categories
The individuals within our company who require your data in order to fulfil our contractual and legal obligations will receive access to your data. The processors employed by us in accordance with Article 28 GDPR can also receive data for the purposes specified above. These include things such as IT services, marketing and address research or telecommunications providers. If your request is aimed at the conclusion of an insurance contract, we will also forward your data to the respective insurance companies. Unless you contact us via the live chat function, your data will not be transferred to a third country outside the EU/EEA. As a rule, your data will not be transmitted to a third country outside of the EU/EEA. So-called standard contractual clauses have been agreed with the provider LiveChat. According to these, LiveChat undertakes to maintain a European level of security when processing personal data. For more information about data processing and the standard contractual clauses at LiveChat, please visit https://www.livechat.com/legal/gdpr-faq/.
BDAE Holding processes and stores your personal data only for the period necessary to achieve the purpose of storage or to fulfil statutory retention periods.
These are all of the cookies we use that are not deleted at the end of the session:
|Cookie name||Storage period||Description|
|bdaepartner||90 days||Cookie for the correct allocation of commissions for cooperating brokers or tipsters.|
|_gat:UA_****||1 minute||Used by Google Analytics to throttle request rate.|
|_uetvid||16 days||Used to track visitors on multiple websites in order to present relevant ads based on the visitor's preferences.|
|_uetsid||1 day||This is a tracking cookie used by Microsoft Bing Ads. This enables the recognition of visitors who have already visited our website previously.|
|_gid||24 hours||Used by Google Analytics to generate a unique ID for each visitor that is used to log how the visitor uses the website. The data are used for statistical purposes.|
|_pk_id||1 month||This cookie from Matomo is used to track the behaviour of visitors on the website. It is used to collect data about website usage, such as the time of the last website visit. The cookie does not contain any personal data and is only used for website analysis.|
|_pk:ses||30 minutes||This cookie from Matomo is used to track the behaviour of visitors on the website. It is used to collect data about website usage, such as the time of the last website visit. The cookie does not contain any personal data and is only used for website analysis.|
|_fbp||3 months||Facebook uses this cookie to display advertised products|
|act||3 months||Facebook cookie for website analysis, ad targeting, and ad metrics.|
|c_user||3 months||Facebook cookie for website analysis, ad targeting, and ad metrics.|
|datr||2 years||Facebook cookie for website analysis, ad targeting, and ad metrics.|
|fr||3 months||Facebook cookie for website analysis, ad targeting, and ad metrics.|
|presence||Session||Facebook cookie for website analysis, ad targeting, and ad metrics.|
|sb||2 years||Facebook cookie for website analysis, ad targeting, and ad metrics.|
|spin||1 day and 1 hour||Facebook cookie for website analysis, ad targeting, and ad metrics.|
|xs||1 year||Facebook cookie for website analysis, ad targeting, and ad metrics.|
|dpr||1 week||Facebook cookie for website analysis, ad targeting, and ad metrics.|
|x-referer||Session||Facebook cookie for website analysis, ad targeting, and ad metrics.|
|__lc_cid||3 years||Cookie from Livechat for the chatbox feature.|
|__lc_cst||3 years||Cookie from Livechat for the chatbox feature.|
|__lc2_cid||3 years||Cookie from Livechat that allows the customer service to see previous chats and reconnect with the previous person giving advice.|
|__lc2_cst||3 years||Cookie from Livechat that allows the customer service to see previous chats and reconnect with the previous person giving advice.|
|__oauth_redirect_detector||1 day||Cookie from Livechat to recognize the visitor in order to optimize the functionality of the chat box.|
|CASID||Session Cookie||Session Cookie from Livechat to recognize the visitor in order to optimize the functionality of the chat box.|
|__livechat||3 years||Cookie from Livechat for personalization of the live chat.|
This website uses Google Analytics, a web analytics service provided by Google Inc., Menlo Park, California, USA. This service uses session cookies for the analysis of your surfing behaviour and IP address. Only anonymised usage data is transmitted and stored, making it impossible to infer your identity.
Social media platforms
Social media buttons or addresses from social networks such as Facebook, Twitter, LinkedIn, WhatsApp, etc. are used on our website. These are links to the respective platforms. As long as you do not leave the BDAE website, no personal data is transmitted to these social media providers.
Further information can be found at https://www.facebook.com/policies/cookies
When an insurance contract is concluded, the contract data are automatically transferred to our Service Portal. We thereby make your insurance documents as well as forms for the administration of your data and claims reporting available on a digital platform. When you use the portal, your data will be sent to our cooperation partner MSH INTERNATIONAL in France for the performance of the contractual relationship. The legal basis for the processing of your personal data in this regard is Article 6(1)(b) GDPR.
Rights of the data subject
As a data subject, you are entitled in accordance with Article 15 ff GDPR to the right of access, correction, erasure, restriction of processing and data portability. Furthermore, you have the right in accordance with Article 21 GDPR to object, on grounds relating to your particular situation, at any time to processing of your personal data, provided that the data processing was carried out on the basis of a balancing of interests in accordance with Article 6(1)(f) GDPR or in the public interest pursuant to Article 6(1)(e) GDPR. If you lodge an objection, we will no longer process your personal data unless we can demonstrate legitimate grounds for the processing which override your interests, rights and freedoms or unless the processing serves the purpose of the establishment, exercise or defence of legal claims.
Finally, please note that you also have the right to lodge a complaint with the competent supervisory authority in accordance with Article 77 GDPR.
We have implemented appropriate technical and organisational measures to protect your personal data against unauthorised access, misuse, loss or destruction.