3.2. How are social media plug-ins used on this website?
The Euler Hermes website uses the following social media plug-ins (“plug-ins”):
- The Share button on Facebook, powered by Facebook Inc., 1601 S. California Ave, Palo Alto, CA 94304, USA
- The Tweet button, powered by Twitter Inc, 795 Folsom St., Suite 600, San Francisco, CA 94107, USA
- The Xing button, powered by XING AG, Gänsemarkt 43, 20354 Hamburg, Germany
- The Share button on LinkedIn, powered by LinkedIn Corporation, 2029 Stierlin Court, Mountain View, CA 94043, United States
All plug-ins are marked with the brand names of the respective operators Facebook, Twitter, Xing and LinkedIn (“operators”). To increase the level of data protection and in compliance with the applicable laws and regulations, we have implemented the add-on programs via a “two-click solution”. This procedure ensures that no direct connection is established between your browser and the operator’s servers when you visit the Euler Hermes website. Only when you activate the plug-ins by clicking on them and thus give your consent to the data processing does your browser establish a direct connection with the relevant operator’s server. The operators then transmit the content of the plug-ins directly to your browser and your browser integrates it into the website.
When you accept the plug-in, the operator receives the information that your browser has accessed the Euler Hermes website. If you were logged into your account when you accessed the Allianz website, the operator can assign your visit directly to your account. If you interact with the plug-in, for example by clicking on the Facebook button, the Tweet button or the LinkedIn “Share” button, the relevant information is transmitted from your browser directly to the operator and stored by it. In addition, the information is published on the social network in question or on your Twitter account and is visible to your contacts. If you do not want this data to be transmitted to the operators, you must log out of your account before clicking on and activating the plug-ins. XING AG only uses your data to offer the shared functions (e.g. calculation/counter display). It does not store your personal data or use it to evaluate your user behaviour.
For further information on the purpose and scope of data collection, processing and use, please refer to the following privacy statements:
- Facebook: https://de-de.facebook.com/about/privacy/
- Twitter: https://twitter.com/en/privacy
- LinkedIn: https://www.linkedin.com/legal/privacy-policy
4. Who has access to your personal data?
We will ensure that your personal data is processed in a manner consistent with the purposes described above.
For the above purposes, your personal data may be disclosed to the following parties, who are responsible for data processing as third parties:
- Other Allianz Group companies
- Authorised representatives and third-party service providers
For the above purposes, we may also disclose your personal data to the following parties, who act as data processors on our behalf:
- Other Allianz Group companies
- Authorised representatives, service providers who facilitate and/or provide parts of our services, and research analysis agencies
- Hosts, consultants and experts who manage Euler Hermes’ communications and events it sponsors
Finally, we may also share your personal data in the following cases:
- With law enforcement agencies, courts and government and regulatory authorities in order to comply with applicable legal or regulatory obligations where we are required to do so by law
5. Where will your personal data be processed?
Your personal data may be processed by the above-mentioned parties both inside and outside Switzerland in countries with adequate data protection laws, always subject to contractual limitations regarding confidentiality and security in accordance with applicable data protection laws and regulations. We will not share your personal data with parties not authorised to process it.
If we pass on your personal data for processing by another Allianz Group company, we do so on the basis of Allianz’s Binding Corporate Rules (BCR), known as the Allianz Privacy Standard (APS), which ensure adequate protection of personal data and are legally binding on Allianz Group companies. The public version of the APS and the list of Allianz Group companies that comply with it can be viewed here.
Your personal data may be processed in the following countries: Argentina, Australia, Austria, Bahrain, Belgium, Benin, Bermuda, Brazil, the British Virgin Islands, Bulgaria, Burkina Faso, Burundi, Cameroon, Canada, Chile, China, Colombia, Croatia, Czech Republic, Egypt, France, Germany, Ghana, Greece, Guernsey, Hong Kong, Hungary, India, Indonesia, Ireland, Italy, Ivory Coast, Japan, Kenya, Laos, Lebanon, Liechtenstein, Luxembourg, Madagascar, Malaysia, Mali, Mauritius, Mexico, Morocco, the Netherlands, New Zealand, Nigeria, Poland, Portugal, the Republic of Congo, Romania, the Russian Federation, Saudi Arabia, Senegal, Singapore, Slovakia, Spain, Sri Lanka, South Africa, South Korea, Sweden, Taiwan, Thailand, Tunisia, Turkey, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States of America, Vietnam.
In countries without adequate data protection laws, we will ensure adequate data protection using the EU standard contractual clauses that have been approved in advance, issued or recognised by the Swiss Federal Data Protection and Information Commissioner (FDPIC).
6. What are your rights in respect of your personal data?
6.1 Federal Act on Data Protection, FADP – rights
You have the right to the extent permitted by the applicable laws or regulations:
- To obtain access to the personal data held about you and to know the origin of the data, the purposes and means of its processing, the details of the data controller(s), the data processor(s) and the parties to whom the data may be disclosed
- To withdraw your consent at any time if your personal data is processed with your consent
- To update and correct your personal data to ensure that it is accurate
- To delete your personal data from our records when it is no longer needed for the above purposes
- To restrict the processing of your personal data under certain circumstances, e.g. if you have disputed the accuracy of your personal data, for the period of time we need to verify the data’s accuracy
- To object to the processing of your personal data or ask us to stop processing it (including for direct marketing purposes)
- To receive your personal data in electronic form
- To file a complaint with us and/or the competent data protection authority
These rights can be asserted without following any particular form and by enclosing a copy of an identity document of the data subject. To do so, please contact us at the e-mail address or the postal addresses listed in section 8.
6.2 Residence in California
The California Consumer Privacy Act (CCPA) gives consumers (who are resident in California) certain rights with regard to their personal data. The following section describes these rights.
Access to certain information and right to data portability
You have the right to request that Euler Hermes disclose to you certain information about the collection and use of your personal data over the past 12 months. Once we have received and confirmed your verifiable request, we will provide you with the following information in a portable format:
- The categories of personal data we have collected about you
- The categories of sources for the personal information we have collected about you
- Our business or commercial purposes for collecting or selling this personal data
- The categories of third parties whom we share this personal data with
- The specific personal data we have collected about you
Deletion of information
Under the rights provided by the CCPA, you may also request that your data be deleted. The right to deletion does not apply if the retention of personal data is necessary to achieve one of the following objectives:
- To provide goods or services to you
- To identify or correct safety or function-related problems
- To comply with the law
- To conduct research in the public interest
- To safeguard the right to freedom of expression
- To carry out all measures for internal purposes that you can reasonably expect
Non-discrimination
Euler Hermes will not discriminate against you for exercising your rights under the CCPA. Unless permitted by the CCPA, we will not:
- Deny you goods or services
- Charge you different prices or rates for goods or services, including offering you promotions, discounts or other deals or imposing penalties
- Provide you with a different level or quality of goods or services
- You will be notified that you may receive a different price or rate for goods or services or a different level of quality of goods or services
Sale of personal data
Euler Hermes does not sell personal data of visitors to its websites and has not done so in the last 12 months.
7. Protection of your personal data
7.1 Which security measures have been taken to protect information collected through this website?
We have implemented appropriate technical and organisational security precautions to protect your personal data that we collect through our website from unauthorised access, misuse, loss or destruction.
7.2 How do we handle electronic messages sent to and from Euler Hermes?
All electronic messages sent to and from Euler Hermes are protected by appropriate technical and organisational measures and may only be disclosed to certain persons in defined functions (e.g. Legal, Compliance, Risk) in justified cases in accordance with the applicable laws and regulations (e.g. court order, suspicion of criminal acts, breach of regulatory obligations). All e-mails are deleted after the expiry of the applicable retention period.
7.3 What should you bear in mind when sending data over the Internet?
The Internet is not generally considered to be a secure environment, and information sent over the Internet (e.g. to or from the Euler Hermes website or by electronic message) may be viewed by unauthorised third parties, which may result in disclosure, changes in content or technical malfunctions. Even if the sender and the recipient are in the same country, information sent over the Internet can still be forwarded across international borders to a country with a lower level of data protection than in your country of residence.
Euler Hermes assumes no responsibility or liability for the security of your data during transmission via the Internet to Euler Hermes. To protect your privacy, you may choose another means of communicating with Euler Hermes if you consider it appropriate.
8. How you can contact us
If you have any questions about the use of your personal data, you can contact us by post or e-mail:
E-mail: privacy.ch@allianz-trade.com
Address:
Euler Hermes SA, Brussels, Wallisellen Branch Office
Richtiplatz 1 | 8304 Wallisellen
Euler Hermes Services Switzerland Ltd
Richtiplatz 1 | 8304 Wallisellen
9. How often do we update this privacy notice?
We review this privacy notice on a continuous basis and make changes from time to time. We will ensure that the latest version is available here. This privacy notice was last updated on 1 September 2023.
Privacy statement for partners: people that are, work for or represent a company which has a contractual relationship with Euler Hermes
1. Introduction
1.1 Allianz Trade and Euler Hermes
Allianz Trade is a registered trademark used to designate a range of services provided by the Euler Hermes Group (hereinafter referred to as “Euler Hermes”). Euler Hermes, a member of the Allianz Group, is a global leader in trade credit insurance and a recognised specialist in the areas of bonding, collections, structured trade credit and political risks. Euler Hermes is present in more than 50 countries with 5,800 employees.
When we process information that relates to an individual, such as a sole proprietor, a partnership or a company director, this is personal data that we process in accordance with the applicable laws and regulations. Euler Hermes complies with the applicable laws and regulations when processing personal data.
1.2 Scope of this privacy statement
This privacy statement applies to all personal data that Euler Hermes receives if you are, work for or represent a company that has a contractual relationship with Euler Hermes.
The provisions of this privacy notice are subject to any additional terms, disclaimers or other contractual agreements you may have with Euler Hermes, such as customer privacy statements or notices, and to applicable binding laws and regulations.
If you would like to find out more about how we process personal data when you visit our website, or if you are an owner, director or representative of a company, please click on the appropriate tab on the left of this page to read the relevant privacy notices. If you are applying for a job, you can view the relevant privacy notice in the “Careers” section of our website.
We constantly update this privacy notice, so please check it regularly.
1.3 Data controller
A data controller is a private individual who, alone or together with others, decides on the purpose and means of processing personal data on paper or in electronic form. As defined by the relevant data protection laws and regulations, the controllers responsible for the data processing described in this privacy statement are:
Euler Hermes SA, Brussels,
Wallisellen Branch Office,
Richtiplatz 1,
8304 Wallisellen
Euler Hermes Services Switzerland Ltd
Richtiplatz 1,
8304 Wallisellen
2. Which personal data do we process?
2.1 Purpose
We process your personal data for the following purposes:
- To draw up offers for our products and provide our services to you
- To fulfil our mutual contractual obligations or those that apply between Euler Hermes and the company you work for or represent
- To set up and maintain user accounts for our customers and partners and provide technical support
- To maintain business relationships and organise and conduct meetings and other events
- To inform you about events, services, products and news
- To conduct reviews and analysis with respect to our services and business relationships
- To prevent and detect fraud and ensure the security of Euler Hermes’ and Allianz’s instruments and systems
- To facilitate compliance with securities laws, company listing requirements and the associated laws and regulations
- To fulfil other legal obligations (e.g. tax, accounting and administrative obligations)
2.2 Legal basis
We process your personal data on the basis of the need to prepare and/or perform a contract with you and on the basis of our legitimate business interests for the above purposes, including the performance of a contract with the company you work for or represent.
We may also process your personal data on the basis of our legal obligations to comply with law enforcement requests or investigations, or as required or permitted by applicable laws, court orders, government regulations or governmental authorities, when necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the safety of any person, or violations of our policies or terms. This includes, for example, fulfilling our “Know Your Customer” commitments.
We will inform you if we need your consent to process your personal data.
2.3 Categories of personal data
Where applicable, we process the following categories of personal data in particular:
- First name, surname, gender, title
- Company contact details, including the company’s business address, telephone number and e-mail address
- Job title, duties and responsibilities
- Company name, industry and/or profession
- Information for shareholders
2.4 Information sources
This personal data is provided to us by you, your employer, the company you represent, or by third parties.
You must ensure that the personal data you provide to Euler Hermes is reliable, accurate, complete and up-to-date. If this personal data needs to be updated, changed or deleted, you undertake to inform Euler Hermes immediately in writing.
2.5 Retention period
We store this personal data for as long as it is relevant to the contractual relationship and necessary to fulfil the purposes for which it was collected or to comply with our legal obligations, or as permitted by law to protect our legitimate business and legal interests, e.g. to defend ourselves against legal claims. After that, we will delete your personal data.
3. Profiling
Article 5 (f) FADP defines “profiling” as any form of automated processing of personal data which involves using such data to evaluate certain personal aspects relating to an individual, in particular to analyse or predict aspects relating to that individual’s work performance, economic situation, health, personal preferences, interests, reliability, behaviour, residence or change of location.
Euler Hermes does not engage in profiling in the sense of Article 5 (f) FADP.
4. Who has access to your personal data?
We will ensure that your personal data is processed in a manner consistent with the purposes described above.
For the above purposes, your personal data may be disclosed to the following parties, who are responsible for data processing as third parties:
- Other Allianz Group companies
- Authorised representatives, brokers and third-party service providers
For the above purposes, we may also disclose your personal data to the following parties, who act as data processors on our behalf:
- Other Allianz Group companies
- Authorised representatives, brokers, service providers who facilitate and/or provide parts of our services, and research analysis agencies
- Hosts, consultants and experts who manage Euler Hermes’ communications and events it sponsors
Finally, we may also share your personal data in the following cases:
- With law enforcement agencies, courts and government and regulatory authorities in order to comply with applicable legal or regulatory obligations where we are required to do so by law
5. Where will your personal data be processed?
Your personal data may be processed by the above-mentioned parties both inside and outside Switzerland in countries with adequate data protection laws, always subject to contractual limitations regarding confidentiality and security in accordance with applicable data protection laws and regulations. We will not share your personal data with parties not authorised to process it.
If we pass on your personal data for processing by another Allianz Group company outside the EEA, we do so on the basis of Allianz’s Binding Corporate Rules (BCR), known as the Allianz Privacy Standard (APS), which ensure adequate protection of personal data and are legally binding on Allianz Group companies. The public version of the APS and the list of Allianz Group companies that comply with it can be viewed here.
Your personal data may be processed in the following countries: Argentina, Australia, Austria, Bahrain, Belgium, Benin, Bermuda, Brazil, the British Virgin Islands, Bulgaria, Burkina Faso, Burundi, Cameroon, Canada, Chile, China, Colombia, Croatia, Czech Republic, Egypt, France, Germany, Ghana, Greece, Guernsey, Hong Kong, Hungary, India, Indonesia, Ireland, Italy, Ivory Coast, Japan, Kenya, Laos, Lebanon, Liechtenstein, Luxembourg, Madagascar, Malaysia, Mali, Mauritius, Mexico, Morocco, the Netherlands, New Zealand, Nigeria, Poland, Portugal, the Republic of Congo, Romania, the Russian Federation, Saudi Arabia, Senegal, Singapore, Slovakia, Spain, Sri Lanka, South Africa, South Korea, Sweden, Taiwan, Thailand, Tunisia, Turkey, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States of America, Vietnam.
In countries without adequate data protection laws, we will ensure adequate data protection using the EU standard contractual clauses that have been approved in advance, issued or recognised by the Swiss Federal Data Protection and Information Commissioner (FDPIC).
6. What are your rights in respect of your personal data?
6.1 Federal Act on Data Protection, FADP – rights
- To the extent permitted by applicable law, you have the right:
- To obtain access to the personal data held about you and to know the origin of the data, the purposes and means of its processing, the details of the data controller(s), the data processor(s) and the parties to whom the data may be disclosed
- To withdraw your consent at any time if your personal data is processed with your consent
- To update and correct your personal data to ensure that it is accurate
- To delete your personal data from our records when it is no longer needed for the above purposes
- To restrict the processing of your personal data under certain circumstances, e.g. if you have disputed the accuracy of your personal data, for the period of time we need to verify the data’s accuracy
- To object to the processing of your personal data or ask us to stop processing it (including for direct marketing purposes)
- To receive your personal data in electronic form
- To file a complaint with us and/or the competent data protection authority
These rights can be asserted without following any particular form and by enclosing a copy of an identity document of the data subject. To do so, please contact us at the e-mail address or the postal addresses listed in section 8.
6.2 Residence in California
The California Consumer Privacy Act (CCPA) gives consumers (who are resident in California) certain rights with regard to their personal data. The following section describes these rights.
Access to certain information and right to data portability
You have the right to request that Euler Hermes disclose to you certain information about the collection and use of your personal data over the past 12 months. Once we have received and confirmed your verifiable request, we will provide you with the following information in a portable format:
- The categories of personal data we have collected about you
- The categories of sources for the personal information we have collected about you
- Our business or commercial purposes for collecting or selling this personal data
- The categories of third parties whom we share this personal data with
- The specific personal data we have collected about you
Deletion of information
Under the rights provided by the CCPA, you may also request that your data be deleted. The right to deletion does not apply if the retention of personal data is necessary to achieve one of the following objectives:
- To provide goods or services to you
- To identify or correct safety or function-related problems
- To comply with the law
- To conduct research in the public interest
- To safeguard the right to freedom of expression
- To carry out all measures for internal purposes that you can reasonably expect
Non-discrimination
Euler Hermes will not discriminate against you for exercising your rights under the CCPA. Unless permitted by the CCPA, we will not:
- Deny you goods or services
- Charge you different prices or rates for goods or services, including offering you promotions, discounts or other deals or imposing penalties
- Provide you with a different level or quality of goods or services
- You will be notified that you may receive a different price or rate for goods or services or a different level of quality of goods or services
Sale of personal data
Some personal data that we process as described in section 2 may be shared with other Allianz Group companies.
7. Protection of your personal data
7.1 Which security measures have been taken to protect information?
We have implemented appropriate technical and organisational security measures to protect your personal data from unauthorised access, misuse, loss or destruction.
7.2 How do we handle electronic messages sent to and from Euler Hermes?
All electronic messages sent to and from Euler Hermes are protected by appropriate technical and organisational measures and may only be disclosed to certain persons in defined functions (e.g. Legal, Compliance, Risk) in justified cases in accordance with the applicable laws and regulations (e.g. court order, suspicion of criminal acts, breach of regulatory obligations). All e-mails are deleted after the expiry of the applicable retention period.
7.3 What should you bear in mind when sending data over the Internet?
The Internet is not generally considered to be a secure environment, and information sent over the Internet (e.g. to or from the Euler Hermes website or by electronic message) may be viewed by unauthorised third parties, which may result in disclosure, changes in content or technical malfunctions. Even if the sender and the recipient are in the same country, information sent over the Internet can still be forwarded across international borders to a country with a lower level of data protection than in your country of residence.
Euler Hermes assumes no responsibility or liability for the security of your data during transmission via the Internet to Euler Hermes. To protect your privacy, you may choose another means of communicating with Euler Hermes if you consider it appropriate.
8. How you can contact us
If you have any questions about the use of your personal data, you can contact us by post or e-mail:
E-mail: privacy.ch@allianz-trade.com
Address:
Euler Hermes SA, Brussels, Wallisellen Branch Office
Richtiplatz 1 | 8304 Wallisellen
Euler Hermes Services Switzerland Ltd
Richtiplatz 1 | 8304 Wallisellen
9. How often do we update this privacy notice?
We review this privacy notice on a continuous basis and make changes from time to time. We will ensure that the latest version is available here. This privacy notice was last updated on 1 September 2023.
Privacy notice for third parties: owners, directors and representatives of companies
1. Introduction
1.1 Allianz Trade and Euler Hermes
Allianz Trade is a registered trademark used to designate a range of services provided by the Euler Hermes Group (hereinafter referred to as “Euler Hermes”). Euler Hermes, a member of the Allianz Group, is a global leader in trade credit insurance and a recognised specialist in the areas of bonding, collections, structured trade credit and political risks. Euler Hermes is present in more than 50 countries with 5,800 employees.
When we process information that relates to an individual, such as a sole proprietor, a partnership or a company director, this is personal data that we process in accordance with the applicable laws and regulations. Euler Hermes complies with the applicable laws and regulations when using personal data.
1.2 Scope of this privacy statement
This privacy notice applies to all personal data that Euler Hermes receives if you are, work for or represent a third-party company.
The provisions of this privacy notice are subject to any additional terms, disclaimers or other contractual agreements you may have with Euler Hermes, such as customer privacy statements or notices, and to applicable binding laws and regulations.
If you would like to find out more about how we process personal data when you visit our website, or if you are, work for or represent a company that has a contract with Euler Hermes, please click on the appropriate tab on the left of this page to read the relevant privacy notice. If you are applying for a job, you can view the relevant privacy notice in the “Careers” section of our website.
We constantly update this privacy notice, so please check it regularly.
1.3 Data controller
A data controller is a private individual who, alone or together with others, decides on the purpose and means of processing personal data on paper or in electronic form. As defined by the relevant data protection laws and regulations, the controllers responsible for the data processing described in this privacy statement are:
Euler Hermes SA, Brussels, Wallisellen Branch Office, Richtiplatz 1,
8304 Wallisellen
Euler Hermes Services Switzerland Ltd
Richtiplatz 1,
8304 Wallisellen
2. Which personal data do we process?
2.1 Purpose
We process personal data about the (potential) customers of our customers (“Buyers”):
- To confirm the identity of your company
- To help with risk assessments of the company with regard to business, financial and compliance operations
- To create credit rating profiles
- To provide information on credit risk
- To assume credit risks for our policyholders
- To issue bonds
- To assess and monitor our own risk
- To collect receivables for ourselves and our customers
- To support the sound management of Euler Hermes and other Allianz Group companies
- To protect our legal interests, exercise our rights and defend ourselves against legal claims
- To conduct research and analysis in relation to our business activities
- To fulfil our legal obligations, including the protection of privacy rights
2.2 Legal basis
This processing is based on the legitimate interests of Euler Hermes and, where applicable, other Allianz Group companies and our customers in pursuing the above purposes, provided that the processing is necessary for these purposes.
Before we process personal data, we balance these legitimate interests against the potential impact on the interests, rights and freedoms of the data subjects.
We take care to exclude special categories of personal data from this processing and take the legitimate expectations of the data subjects into consideration.
2.3 Categories of personal data
We process the following categories of personal data about business owners, directors and representatives:
Companies (mostly commercial companies, but the identity of some companies is linked to that of their owner, e.g. sole traders, partnerships or single-member limited liability companies):
- Company name (which may be a personal name) and legal form
- Company activity, sector and size
- The companies’ credit rating
- Contact details such as the company’s postal address, e-mail address, telephone number and fax number. Wherever possible, this data is general company data and not personal data (e.g. where available, we will use info@company.com rather than john.doe@company.com)
- VAT identification number and other company identification numbers (from authorities, chambers of commerce, Euler Hermes and/or data brokers)
- Financial information about the company, e.g. bank details, bank account, financial status, assets and net assets
- Company payment history and patterns, profitability and other information on creditworthiness (e.g. payment and risk events), including the insolvency situation
Owners, directors and representatives of companies:
- First name, surname, gender, title, job title
- Affiliation with different companies (past and present)
- Information for shareholders
2.4 Information sources
We collect the aforementioned personal data in accordance with all applicable regulations from:
- You yourself
- Your website or other publications that you make available to the public
- Companies you work for or represent
- Our customers
- Our business partners
- Service providers working to combat abuse (which maintain databases with identification numbers of end devices)
- Providers of identity verification services
- Direct marketing companies
- Publicly available information, e.g. commercial registers, public statistical databases and websites
If we collect your personal data directly from you, you are not required to provide us with the personal information we request. However, in some cases, this may affect the extent to which we can provide trade facilitation services to you and your business partners.
2.5 Retention period
We will retain your personal data only for as long as is necessary to achieve the above purposes, in accordance with our information and document management standard.
We will retain your personal data for as long as we are legally obliged to retain it or for as long as we require it to defend ourselves against possible legal claims.
Payment history data is deleted when it is no longer relevant to your company’s creditworthiness.
It is in Euler Hermes’ interest to use only relevant, accurate and up-to-date information. All the data we process is constantly updated and verified.
3. Profiling
Article 5 (f) FADP defines “profiling” as any form of automated processing of personal data which involves using such data to evaluate certain personal aspects relating to an individual, in particular to analyse or predict aspects relating to that individual’s work performance, economic situation, health, personal preferences, interests, reliability, behaviour, residence or change of location.
Euler Hermes does not engage in profiling in the sense of Article 5 (f) FADP.
4. Who has access to your personal data?
We will ensure that your personal data is processed in a manner consistent with the purposes described above.
For the above purposes, your personal data may be disclosed to the following parties, who are responsible for data processing as third parties:
- Other Allianz Group companies
- Authorised representatives, brokers and third-party service providers
- Our customers, if you are their customer or potential customer
For the above purposes, we may also disclose your personal data to the following parties, who act as data processors on our behalf:
- Other Allianz Group companies
- Authorised representatives, service providers who facilitate and/or provide portions of our services, and research analysis agencies
- Hosts, consultants and experts who manage Euler Hermes’ communications and events it sponsors
Finally, we may also share your personal data in the following cases:
- With law enforcement agencies, courts and government and regulatory authorities in order to comply with applicable legal or regulatory obligations where we are required to do so by law
5. Where will your personal data be processed?
Your personal data may be processed by the above-mentioned parties both inside and outside the European Economic Area (EEA) in countries with adequate data protection laws, always subject to contractual limitations regarding confidentiality and security in accordance with applicable data protection laws and regulations. We will not share your personal data with parties not authorised to process it.
If we pass on your personal data for processing by another Allianz Group company outside the EEA, we do so on the basis of Allianz’s Binding Corporate Rules (BCR), known as the Allianz Privacy Standard (APS), which ensure adequate protection of personal data and are legally binding on Allianz Group companies. The public version of the APS and the list of Allianz Group companies that comply with it can be viewed here.
Your personal data may be processed in the following countries: Argentina, Australia, Austria, Bahrain, Belgium, Benin, Bermuda, Brazil, the British Virgin Islands, Bulgaria, Burkina Faso, Burundi, Cameroon, Canada, Chile, China, Colombia, Croatia, Czech Republic, Egypt, France, Germany, Ghana, Greece, Guernsey, Hong Kong, Hungary, India, Indonesia, Ireland, Italy, Ivory Coast, Japan, Kenya, Laos, Lebanon, Liechtenstein, Luxembourg, Madagascar, Malaysia, Mali, Mauritius, Mexico, Morocco, the Netherlands, New Zealand, Nigeria, Poland, Portugal, the Republic of Congo, Romania, the Russian Federation, Saudi Arabia, Senegal, Singapore, Slovakia, Spain, Sri Lanka, South Africa, South Korea, Sweden, Taiwan, Thailand, Tunisia, Turkey, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States of America, Vietnam.
In countries without adequate data protection laws, we will ensure adequate data protection using the EU standard contractual clauses that have been approved in advance, issued or recognised by the Swiss Federal Data Protection and Information Commissioner (FDPIC).
6. What are your rights in respect of your personal data?
6.1 Federal Act on Data Protection, FADP – rights
To the extent permitted by applicable law, you have the right:
- To obtain access to the personal data held about you and to know the origin of the data, the purposes and means of its processing, the details of the data controller(s), the data processor(s) and the parties to whom the data may be disclosed
- To withdraw your consent at any time if your personal data is processed with your consent
- To update and correct your personal data to ensure that it is accurate
- To delete your personal data from our records when it is no longer needed for the above purposes
- To restrict the processing of your personal data under certain circumstances, e.g. if you have disputed the accuracy of your personal data, for the period of time we need to verify the data’s accuracy
- To object to the processing of your personal data or ask us to stop processing it (including for direct marketing purposes)
- To receive your personal data in electronic form
- To file a complaint with us and/or the competent data protection authority
These rights can be asserted without following any particular form and by enclosing a copy of an identity document of the data subject. To do so, please contact us at the e-mail address or the postal addresses listed in section 8.
6.2 Residence in California
The California Consumer Privacy Act (CCPA) gives consumers (who are resident in California) certain rights with regard to their personal data. The following section describes these rights.
Access to certain information and right to data portability
You have the right to request that Euler Hermes disclose to you certain information about the collection and use of your personal data over the past 12 months. Once we have received and confirmed your verifiable request, we will provide you with the following information in a portable format:
- The categories of personal data we have collected about you
- The categories of sources for the personal information we have collected about you
- Our business or commercial purposes for collecting or selling this personal data
- The categories of third parties whom we share this personal data with
- The specific personal data we have collected about you
Deletion of information
Under the rights provided by the CCPA, you may also request that your data be deleted. The right to deletion does not apply if the retention of personal data is necessary to achieve one of the following objectives:
- To provide goods or services to you
- To identify or correct safety or function-related problems
- To comply with the law
- To conduct research in the public interest
- To safeguard the right to freedom of expression
- To carry out all measures for internal purposes that you can reasonably expect
Non-discrimination
Euler Hermes will not discriminate against you for exercising your rights under the CCPA. Unless permitted by the CCPA, we will not:
- Deny you goods or services
- Charge you different prices or rates for goods or services, including offering you promotions, discounts or other deals or imposing penalties
- Provide you with a different level or quality of goods or services
- You will be notified that you may receive a different price or rate for goods or services or a different level of quality of goods or services
Sale of personal data
Some personal data that we process as described in section 2 may be shared with other Allianz Group companies. This concerns the categories of data identifying you as a businessperson and the companies that you own, represent or work for.
7. Protection of your personal data
7.1 Which security measures have been taken to protect information?
We have implemented appropriate technical and organisational security measures to protect your personal data from unauthorised access, misuse, loss or destruction.
7.2 How do we handle electronic messages sent to and from Euler Hermes?
All electronic messages sent to and from Euler Hermes are protected by appropriate technical and organisational measures and may only be disclosed to certain persons in defined functions (e.g. Legal, Compliance, Risk) in justified cases in accordance with the applicable laws and regulations (e.g. court order, suspicion of criminal acts, breach of regulatory obligations). All e-mails are deleted after the expiry of the applicable retention period.
7.3 What should you bear in mind when sending data over the Internet?
The Internet is not generally considered to be a secure environment, and information sent over the Internet (e.g. to or from the Euler Hermes website or by electronic message) may be viewed by unauthorised third parties, which may result in disclosure, changes in content or technical malfunctions. Even if the sender and the recipient are in the same country, information sent over the Internet can still be forwarded across international borders to a country with a lower level of data protection than in your country of residence.
Euler Hermes assumes no responsibility or liability for the security of your data during transmission via the Internet to Euler Hermes. To protect your privacy, you may choose another means of communicating with Euler Hermes if you consider it appropriate.
8. How you can contact us
If you have any questions about the use of your personal data, you can contact us by post or e-mail:
E-mail: privacy.ch@allianz-trade.com
Address:
Euler Hermes SA, Brussels, Wallisellen Branch Office
Richtiplatz 1 | 8304 Wallisellen
Euler Hermes Services Switzerland Ltd
Richtiplatz 1 | 8304 Wallisellen
9. How often do we update this privacy notice?
We review this privacy notice on a continuous basis and make changes from time to time. We will ensure that the latest version is available here. This privacy notice was last updated on 1 September 2023.
