PRIVACY NOTICE

Allianz Trade is the trademark used to designate a range of services provided by the Euler Hermes group (referred to below as Euler Hermes). Euler Hermes, a member of the Allianz group, is the global leader in trade credit insurance and a recognized specialist in the areas of surety, collections, structured trade credit and political risk. Euler Hermes is present in more than 50 countries with 5,800 employees.

When we process information relating to an individual, such as a sole trader, a partnership or a company director for instance, this may constitute personal data and we process this information in accordance with the applicable laws and regulations. Euler Hermes respects applicable laws and regulations in its use of personal data.

Euler Hermes appreciates your visit to this website and your interest in our services and products. Your privacy is important to us and we want you to feel comfortable visiting our site. This privacy notice explains how and what type of personal data will be collected, processed and used during and following your visits to this website, why it is collected, with whom it is shared and your rights in this regards.

This privacy notice applies to any information obtained by Euler Hermes through  your use of this website. It does not apply to any websites controlled by third parties that are not affiliated with Euler Hermes . Please review the privacy statements of third party websites as Euler Hermes is not responsible for and has no influence on the content or the privacy practices of third party websites.

This privacy notice is subject to any additional notice or information that you may have been provided by Euler Hermes, such as privacy statements, consents or notices, and to any applicable laws and regulations. For more information about how we process personal data where you are, work for or represent a business that has a contract with Euler Hermes, or if you are, work for or represent a third party business, please click the relevant tab on the left of this page in order to consult the relevant privacy notice. If you are a job candidate, you can consult the relevant privacy notice in the Careers section of our website.

Please check this privacy notice on a regular basis, as we constantly update it.

A data controller is the individual or legal person who controls and is responsible to keep and use personal data in paper or electronic files. This privacy notice applies to the following data controllers as defined by relevant data protection laws and regulations:

When you visit this website, our web server automatically records details about your visit including: IP address, the website from which you visited us, the type of browser software used, the website pages that you visit, and the date and duration of your visit to this website.

We will use these personal data for the following purposes:

• for technical administration, research and development of this website;
• to conduct research and analysis with regard to our business relations;
• for fraud prevention and detection; and
  
• to comply with any legal obligations (e.g. tax, accounting and administrative obligations)

We inform you where we require your consent to process your personal data. Otherwise, we process your personal data to meet our legitimate business interests (including protecting our systems and conducting market research and analysis), or where we need to comply with a legal obligation.

We will not retain your personal data longer than necessary to fulfil the purposes for which it was collected or to fulfil legal obligations, or as permitted by law, e.g. to defend legal claims. Afterwards, we will delete your personal data. Analytics cookies are deleted after 13 months, and cookie preferences are deleted after 6 months.

When you contact us through this website (such as by filling out a web form), we may collect and process various types of personal data, including: family name, first name, title, address, gender, contact details, job title, business name, business and/or profession, and/or shareholder number.

We only collect this data where you choose to provide us with it.

We will use this personal data for the following purposes:

• for customer and user administration and marketing;
• to maintain business relationships;
• to conduct research and analysis with regard to our business relations;
• to inform you about our events, services, products and news when you visit this website or when you subscribe to our newsletter or mailing lists;
• to facilitate compliance with securities law, public company listing requirements and related laws and regulations; and
  
• to comply with any legal obligations (e.g. tax, accounting and administrative obligations).

We will inform you where we require your consent to process your personal data. Otherwise, we process your personal data to meet our legitimate business interests (including maintaining contact with clients, providing updates and information about Euler Hermes, organising and hosting events, and conducting market research and analysis), or where we need to comply with a legal obligation. In addition, we may also process your personal data to enter into a contract with you, or to perform our obligations under an existing contract with you.

We will not retain this data longer than necessary to fulfil the purposes for which it was collected or to fulfil legal obligations, or as permitted by law, e.g. to defend legal claims. Afterwards, we will delete your personal data.

We may process your personal data for the purpose of informing you of our products, services and offers, understanding any needs that your business may have in, and assess suitability of, our products and services, and/or providing a quotation for a product or a service that we provide. 

For this purpose, we may process your: name, business name, trade sector, profession and/or job title, business address, business email address and business telephone number. We may obtain this information directly from you, public domain or from third parties.  

We will process your personal data either on the basis of your consent, if, for instance, you submit a direct request to contact you to discuss our products and services, or our legitimate business interests when marketing businesses which may be interested in our products and services and helping us to decide whether or not to offer you certain products and services.   

We will retain this information as long as you wish to remain in contact. You can opt out from receiving our marketing information at any point.

Tracking technology helps us manage and improve the usability of the Euler Hermes website, for example by detecting whether there has been any contact between your computer and us in the past and to identify the most popular sections of this website.

Based on a more detailed description on the usage of cookies our Cookies Management Tool helps you to manage your cookies preferences including providing consent. The link to the respective Cookies Management Tool can be found below. You can withdraw your consent to the usage of certain cookies any time using this tool.

When you save your cookie settings, they should also apply to your future visits to this website. However, for technical reasons beyond our control, this cannot be guaranteed. For example, if you reset your browser, delete your cookies or access this website from another browser or device, your cookie settings may be lost. To comply with applicable laws and regulations, in some countries you may be asked to confirm your cookie settings when you first visit this website. If you are in a country where you are automatically required to set your cookie settings, you may be asked to set them again on a future visit.

In many cases you can also control tracking technologies using your browser. Please ensure that your browser setting reflects whether you wish to be warned about and/or accept tracking technologies (such as cookies) where possible. The specific capabilities of your browser and instructions on how to use them can usually be found in the manual or help file of your browser.

Without tracking technologies the availability of the services provided by this website may be reduced, or parts of our website may no longer function correctly.

Cookie Settings

The Euler Hermes website uses the following social media plug-ins ("plug-ins"):

• Share button on Facebook, powered by Facebook Inc., 1601 S. California Ave., Palo Alto, CA 94304, USA;
• Tweet button, powered by Twitter Inc., 795 Folsom St., Suite 600, San Francisco, CA 94107, USA;
• Button Xing, operated by XING AG, Gänsemarkt 43, 20354 Hamburg, Germany;
• Share Button on LinkedIn, operated by LinkedIn Corporation, 2029 Stierlin Court, Mountain View, CA 94043, United States.

All plug-ins are indicated with the brand names of the respective operators Facebook, Twitter, Xing and LinkedIn ("Operator"). To increase the level of data protection and in accordance with applicable laws and regulations, we have implemented the additional programs via a ‘2-click solution’. This procedure ensures that when you visit the Euler Hermes Website, no direct connection of your browser to the servers of the Operator is established. Only if you activate the plug-ins by clicking on them and thereby grant your consent to the data transfer, your browser establishes a direct connection to the server of the respective Operator. The content of the plug-ins is then transmitted by the Operators directly to your browser and integrated by them into the website.

By accepting the plug-in, the Operator receives the information that your browser has accessed the Euler Hermes Website. If you logged into your account when you visited the Allianz Website, the Operator can connect your visit to your account directly. If you interact with the plug-in, e.g. by clicking on the Facebook button, and the Tweet button or the LinkedIn "Share" button, the data will be transferred directly from your browser to the Operator and saved by the Operator. In addition, the information will be published on the relevant social network or on your Twitter account and will be visible to your contacts. If you do not want this data transfer to the Operators, you must log out of your respective account before you click on the plug-ins and activate them. XING AG uses your data only to offer the shared functions (e.g. calculation / counter display) and not to store your personal data or to evaluate your user behaviour.

For more information on the purpose and scope of data collection, processing and use, please refer to the privacy statements below:

Facebook: https://de-de.facebook.com/about/privacy/

Twitter: https://twitter.com/privacy  

XING AG: https://www.xing.com/app/share?op=data_protection  

LinkedIn: https://www.linkedin.com/legal/privacy-policy

We ensure that your personal data is processed in a manner that is compatible with the purposes specified above.

For the specified purposes, your personal data may be disclosed to the following parties who operate as third party data controllers:

• Other Allianz group companies;
• Authorized agents and third party service providers.

For the stated purposes, we may also share your personal data with the following parties who operate as data processors under our instruction:

• Other Allianz group companies;
• Authorized agents, service providers that facilitate and/or provide parts of our services, and research analysis agencies; and
• Facilitators, consultants or experts managing communications and Euler Hermes sponsored events.

Finally, we may share your personal data in the following instances:

• With law enforcement agencies, courts, government and regulatory bodies to meet applicable legal or regulatory obligations, where we are legally obliged to do so.

Your personal data may be processed both inside and outside of the European Economic Area (EEA) by the parties specified above, subject always to contractual restrictions regarding confidentiality and security in line with applicable data protection laws and regulations. We will not disclose your personal data to parties who are not authorized to process them.

Whenever we transfer your personal data for processing outside of the EEA by another Allianz group company, we will do so on the basis of the binding corporate rules (BCRs) of Allianz known as the Allianz Privacy Standard (APS), which establish adequate protection for 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 them can be accessed here.

Where the Allianz Privacy Standard does not apply, we will instead take steps to ensure that the transfer of your personal data outside of the EEA receives an adequate level of protection as it does in the EEA. You can find out what safeguards we rely upon for such transfers (for example, EU Standard Contractual Clauses) by contacting us as detailed below.

Where permitted by applicable law or regulation, you have the right to:

• Access personal data held about you and to learn the origin of the data, the purposes and means of the processing, the details of the data controller(s), the data processor(s) and the parties to whom the data may be disclosed.
• Withdraw your consent at any time where your personal data is processed with your consent.
• Update and correct your personal data so that it is accurate.
• Delete your personal data from our records if it is no longer needed for the purposes indicated above.
• Restrict the processing of your personal data in certain circumstances, e.g. where you have contested the accuracy of your personal data, for the period enabling us to verify its accuracy.
• Object to us processing your personal data, or tell us to stop processing it (including for purposes of direct marketing).
• Obtain your personal data in an electronic format.
• File a complaint with us and/or the relevant data protection authority.

You may exercise these rights by contacting us and providing your name and email address as well as the purpose of your request, using our Data Subject Access Request form available at: Data Subject Access Request form.

You have the right to request that Euler Hermes disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you, in a portable format:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purposes for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you.

You have the right to request the deletion of your information within the rights provided by the CCPA. The right to deletion does not apply where the retention of personal information is needed to perform any of the following:

• Provide goods or services to you;
• Detect or resolve security or functionality-related issues;
• Comply with the law;
• Conduct research in the public interest;
• Safeguard the right to free speech; or
• Carry out any actions for internal purposes that you might reasonably expect

Euler Hermes will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts, rebates, or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level of quality of goods or services.

The Internet is generally not regarded as a secure environment, and information sent via the Internet (such as to or from the Euler Hermes website or via electronic message) may be accessed by unauthorized third parties, potentially leading to disclosures, changes in content or technical failures. Even if both sender and receiver are located in the same country, information sent via the Internet may be transmitted across international borders and be forwarded to a country with a lower data protection level than in your country of residence.

Euler Hermes does not accept responsibility or liability for the security of your information whilst in transit over the Internet to Euler Hermes. In order to protect your privacy you may choose another means of communication with Euler Hermes, where you deem it appropriate.

If you have any queries about how we use your personal data in the UK / Ireland, you can contact:

• Euler Hermes UK at Privacy.UK@allianz-trade.com; or
• Euler Hermes Ireland at Privacy.IE@allianz-trade.com

You may also contact the Euler Hermes Data Protection Officer by post or email via the details specified below:

Post mail:       

Euler Hermes
Group Data Protection Officer
1, place des Saisons
92048 Paris – La Défense CEDEX
France

Email:  privacy.group@allianz-trade.com

Allianz Trade is the trademark used to designate a range of services provided by the Euler Hermes group (referred to below as Euler Hermes). Euler Hermes, a member of the Allianz group, is the global leader in trade credit insurance and a recognized specialist in the areas of surety, collections, structured trade credit and political risk. Euler Hermes is present in more than 50 countries with 5,800 employees.

When we process information relating to an individual, such as a sole trader, a partnership or a company director for instance, this is personal data and we process this information in accordance with the applicable laws and regulations. Euler Hermes respects applicable laws and regulations in its use of personal data.

This privacy notice applies to any information obtained by Euler Hermes when you are, work for or represent a business that has a contractual relationship with Euler Hermes.

This privacy notice is subject to any additional notice or information that you may have been provided by Euler Hermes, such as privacy statements, consents or notices, and to any applicable laws and regulations.

For more information about how we process personal data when you visit our website, or if you are an owner, director or representative of a business, please click the relevant tab on the left of this page in order to consult the relevant privacy notice. If you are a job candidate, you can consult the relevant privacy notice in the Careers section of our website.

Please check this privacy notice on a regular basis, as we constantly update it.

A data controller is the individual or legal person who controls and is responsible to keep and use personal data in paper or electronic files. This privacy notice applies to the following data controllers as defined by relevant data protection laws and regulations:

We process your personal data for the following purposes:

• to prepare offers for our products and deliver our services to you;
• to fulfil our mutual contractual obligations;
• to set up and maintain user accounts for our customers and partners and provide technical support;
• to maintain business relationships and organise and host meetings and other events;
• to inform you about events, services, products and news;
• to conduct research and analysis with regard to our services and business relations;
• to prevent and detect fraud and secure Euler Hermes and Allianz tools and systems;
• to facilitate compliance with securities law, public company listing requirements and related laws and regulations; and
• to comply with any other legal obligations (e.g. tax, accounting and administrative obligations).

We process your personal data based on one or more of the legal bases set out below:

• your consent,
• our legitimate business interests,
• the preparation and/or performance of a contract with you (or the business that you work for or represent), and/or  our legal obligations in order to comply with law enforcement requests or discovery procedures, or where required or permitted by applicable laws, court orders, government regulations, or government authorities, where it is 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 instance the fulfilment of our “Know Your Customer” obligations.

We will inform you where we require your consent to process your personal data.

This data includes, where applicable:

• First name, last name, gender, title;
• Business contact details, including business address, business telephone number, business email address;
• Job title, business role and responsibilities;
• Business name, business and/or profession;
• Shareholder information.

This information is provided to us by yourself, your employer, the business you represent, or third parties.

You ensure that the relevant data that you provide to Euler Hermes is reliable, accurate, complete and up-to-date. In the event that this data needs to be updated, modified or deleted, you undertake to inform Euler Hermes by written means without delay.

We ensure that your personal data is processed in a manner that is compatible with the purposes specified above.

For the specified purposes, your personal data may be disclosed to the following parties who operate as third party data controllers:

• Other Allianz group companies.
• Authorized agents, brokers and third party service providers.
• Credit reference agencies.

For the stated purposes, we may also share your personal data with the following parties who operate as data processors under our instruction:

• Other Allianz group companies.
• Authorized agents, brokers, service providers that facilitate and/or provide parts of our services, and research analysis agencies.
• Facilitators, consultants or experts managing communications and Euler Hermes sponsored events.

Finally, we may share your personal data in the following instances:

With law enforcement agencies, courts, government and regulatory bodies to meet applicable legal or regulatory obligations, where we are legally obliged to do so.

Your personal data may be processed both inside and outside of the European Economic Area (EEA) by the parties specified above, subject always to contractual restrictions regarding confidentiality and security in line with applicable data protection laws and regulations. We will not disclose your personal data to parties who are not authorized to process them.

Whenever we transfer your personal data for processing outside of the EEA by another Allianz group company, we will do so on the basis of the binding corporate rules (BCRs) of Allianz known as the Allianz Privacy Standard (APS) which establish adequate protection for 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 them can be accessed here.

Where the Allianz Privacy Standard does not apply, we will instead take steps to ensure that the transfer of your personal data outside of the EEA receives an adequate level of protection as it does in the EEA. You can find out what safeguards we rely upon for such transfers (for example, EU Standard Contractual Clauses) by contacting us as detailed below.

Where permitted by applicable law or regulation, you have the right to:

• Access personal data held about you and to learn the origin of the data, the purposes and means of the processing, the details of the data controller(s), the data processor(s) and the parties to whom the data may be disclosed.
• Withdraw your consent at any time where your personal data is processed with your consent.
• Update and correct your personal data so that it is accurate.
• Delete your personal data from our records if it is no longer needed for the purposes indicated above.
• Restrict the processing of your personal data in certain circumstances, e.g. where you have contested the accuracy of your personal data, for the period enabling us to verify its accuracy.
• Object to us processing your personal data, or tell us to stop processing it (including for purposes of direct marketing).
• Obtain your personal data in an electronic format.
• File a complaint with us and/or the relevant data protection authority.

You may exercise these rights by contacting us and providing your name and email address as well as the purpose of your request, using our Data Subject Access Request form available at: Data Subject Access Request form.

You have the right to request that Euler Hermes disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you, in a portable format:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purposes for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you.

You have the right to request the deletion of your information within the rights provided by the CCPA. The right to deletion does not apply where the retention of personal information is needed to perform any of the following:

• Provide goods or services to you;
• Detect or resolve security or functionality-related issues;
• Comply with the law;
• Conduct research in the public interest;
• Safeguard the right to free speech; or
• Carry out any actions for internal purposes that you might reasonably expect

Euler Hermes will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts, rebates, or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level of quality of goods or services.

The Internet is generally not regarded as a secure environment, and information sent via the Internet (such as to or from the Euler Hermes website or via electronic message) may be accessed by unauthorized third parties, potentially leading to disclosures, changes in content or technical failures. Even if both sender and receiver are located in the same country, information sent via the Internet may be transmitted across international borders and be forwarded to a country with a lower data protection level than in your country of residence.

Euler Hermes does not accept responsibility or liability for the security of your information whilst in transit over the Internet to Euler Hermes. In order to protect your privacy you may choose another means of communication with Euler Hermes, where you deem it appropriate.

If you have any queries about how we use your personal data in the UK / Ireland, you can contact:

• Euler Hermes UK at Privacy.UK@allianz-trade.com; or
• Euler Hermes Ireland at Privacy.IE@allianz-trade.com

You may also contact the Euler Hermes Data Protection Officer by post or email via the details specified below:

Post mail:       

Euler Hermes
Group Data Protection Officer
1, place des Saisons
92048 Paris – La Défense CEDEX
France

Email:  privacy.group@allianz-trade.com

Allianz Trade is the trademark used to designate a range of services provided by the Euler Hermes group (referred to below as Euler Hermes). Euler Hermes, a member of the Allianz group, is the global leader in trade credit insurance and a recognized specialist in the areas of surety, collections, structured trade credit and political risk. Euler Hermes is present in more than 50 countries with 5,800 employees.

When we process information relating to an individual, such as a sole trader, a partnership or a company director for instance, this is personal data and we process this information in accordance with the applicable laws and regulations. Euler Hermes respects applicable laws and regulations in its use of personal data. 

This privacy notice applies to information obtained by Euler Hermes when you are, work for or represent a third-party business.

This privacy notice is subject to any additional notice or information that you may have been provided by Euler Hermes, such as privacy statements, consents or notices, and to any applicable laws and regulations.

For more information about how we process personal data when you visit this website, or if you are, work for or represent a business that has a contract with Euler Hermes, please click the relevant tab on the left of this page in order to consult the relevant privacy notice. If you are a job candidate, you can consult the relevant privacy notice in the Careers section of our website.

Please check this privacy notice on a regular basis, as we constantly update it.

A data controller is the individual or legal person who controls and is responsible to keep and use personal data in paper or electronic files. This privacy notice applies to the following data controllers as defined by relevant data protection laws and regulations:

We process information relating to existing or potential customers of our clients to:

• confirm their business identity;
• carry out company risk assessment for their business;
• establish credit grading profiles;
• provide credit risk information;
• underwrite credit risks for our policyholders;
• issue bonds and related facility;
• assess and monitor our own risk;
• collect debts for ourselves and for our clients;
• support the sound management of Euler Hermes and other companies in the Allianz group;
• protect our legal interests, exercise our rights and defend ourselves against legal claims;
• conduct research and analysis with regard to our business operations; and
• fulfil our legal obligations, including in respect of exercising data protection rights.

This processing is based on the legitimate interests of Euler Hermes, and where relevant of other Allianz group companies and of our customers, to pursue the above mentioned purposes, where such processing is necessary for these purposes.

Before we process any personal data, we balance these legitimate interests with potential impacts on the interests and rights and freedom of the individuals involved.

We make sure to exclude any special categories of personal data from this processing and take into account the reasonable expectations of the individuals involved. 

We process the following categories of personal data regarding business owners, directors and representatives:

Businesses (mostly commercial entities, but the identity of some businesses are tied up with that of their owner, such as sole traders, partnerships or one-person limited liability companies):

• Business name (which may correspond to a personal name) ;
• Business activity, sector and size;
• Business credit grade;
• Contact data such as: business post address, business email address, business telephone number, business fax number. Wherever possible this data is generic company data rather than personal data (for example, if available we will use info@company.com rather than john.doe@company.com);
• VAT number and other company identification numbers (from governments, chambers of commerce, Euler Hermes, and/or data brokers);
• Financial information related to the business, such as bank domiciliation, bank account, financial status, assets, and net worth; and
• Business payment history and patterns, profitability and other information regarding creditworthiness (e.g. payment and risk incidents) including insolvency situation.

Owners, directors and representatives of businesses:

• First name, family name, gender, title, job title;
• Affiliations with different businesses (past & present); and
• Shareholder information.

We collect the specified information in accordance all applicable regulations from:

• Yourself;
• Your website or other publications made available by you to the public;
• The company that you work for or represent;
• Our customers;
• Our business partners;
• Service providers in the field of abuse prevention (who maintain databases with identification numbers of end devices);
• Service providers in the field of identity verification;
• Direct marketing companies; and
• Publicly available information, such as, commercial registers, trade registers, public statistical databases, and websites.

Where we collect your personal data directly from you, there is no obligation to provide us with the personal data we ask for. However, in some cases this may impact the extent to which we can provide you and your business partners with services that facilitate trade.

We will retain your personal data for as long as is necessary to achieve the aforementioned purposes, in accordance with our Standard for Information and Document Management.

We will retain your personal data as long as statutory retention requirements exist or any legal claims are possible, for the defence of which the personal data is required.

Payment history data is deleted when it is no longer relevant to the creditworthiness of your business.

It is in the interest of Euler Hermes to only use relevant, correct and up to date information. All the data that we process are updated and checked on an ongoing basis.

We ensure that your personal data is processed in a manner that is compatible with the purposes specified above.

For the specified purposes, your personal data may be disclosed to the following parties who operate as third party data controllers:

• Other Allianz group companies;
• Authorized agents, brokers and third party service providers.
• Our customers, if you are their customer or potential customer.
• Credit reference agencies.

For the stated purposes, we may also share your personal data with the following parties who operate as data processors under our instruction:

• Other Allianz group companies.
• Authorized agents, service providers that facilitate and/or provide parts of our services, and research analysis agencies.
• Facilitators, consultants or experts managing communications and Euler Hermes sponsored events.

Finally, we may share your personal data in the following instances:

• With law enforcement agencies, courts, government and regulatory bodies to meet applicable legal or regulatory obligations, where we are legally obliged to do so. 

Your personal data may be processed both inside and outside of the European Economic Area (EEA) by the parties specified above, subject always to contractual restrictions regarding confidentiality and security in line with applicable data protection laws and regulations. We will not disclose your personal data to parties who are not authorized to process them.

Whenever we transfer your personal data for processing outside of the EEA by another Allianz group company, we will do so on the basis of the binding corporate rules (BCRs) of Allianz known as the Allianz Privacy Standard (APS) which establish adequate protection for 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 them can be accessed here.

Where the Allianz Privacy Standard does not apply, we will instead take steps to ensure that the transfer of your personal data outside of the EEA receives an adequate level of protection as it does in the EEA. You can find out what safeguards we rely upon for such transfers (for example, EU Standard Contractual Clauses) by contacting us as detailed below.

Where permitted by applicable law or regulation, you have the right to:

• Access your personal data held about you and to learn the origin of the data, the purposes and means of the processing, the details of the data controller(s), the data processor(s) and the parties to whom the data may be disclosed.
• Withdraw your consent at any time where your personal data is processed with your consent.
• Update and correct your personal data so that it is accurate.
• Delete your personal data from our records if it is no longer needed for the purposes indicated above.
• Restrict the processing of your personal data in certain circumstances, e.g. where you have contested the accuracy of your personal data, for the period enabling us to verify its accuracy.
• Object to us processing your personal data, or tell us to stop processing it (including for purposes of direct marketing).
• Obtain your personal data in an electronic format.
• File a complaint with us and/or the relevant data protection authority.

You may exercise these rights by contacting us and providing your name and email address as well as the purpose of your request, using our Data Subject Access Request Form available at: Data Subject Access Request Form

You have the right to request that Euler Hermes disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you, in a portable format:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purposes for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you.

You have the right to request the deletion of your information within the rights provided by the CCPA. The right to deletion does not apply where the retention of personal information is needed to perform any of the following:

• Provide goods or services to you;
• Detect or resolve security or functionality-related issues;
• Comply with the law;
• Conduct research in the public interest;
• Safeguard the right to free speech; or
• Carry out any actions for internal purposes that you might reasonably expect

Euler Hermes will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts, rebates, or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level of quality of goods or services.

The Internet is generally not regarded as a secure environment, and information sent via the Internet (such as to or from the Euler Hermes website or via electronic message) may be accessed by unauthorized third parties, potentially leading to disclosures, changes in content or technical failures. Even if both sender and receiver are located in the same country, information sent via the Internet may be transmitted across international borders and be forwarded to a country with a lower data protection level than in your country of residence.

Euler Hermes does not accept responsibility or liability for the security of your information whilst in transit over the Internet to Euler Hermes. In order to protect your privacy you may choose another means of communication with Euler Hermes, where you deem it appropriate.

If you have any queries about how we use your personal data in the UK / Ireland, you can contact:

• Euler Hermes UK at Privacy.UK@allianz-trade.com; or
• Euler Hermes Ireland at Privacy.IE@allianz-trade.com

You may also contact the Euler Hermes Data Protection Officer by post or email via the details specified below:

Post mail:       

Euler Hermes
Group Data Protection Officer
1, place des Saisons
92048 Paris – La Défense CEDEX
France

Email:  privacy.group@allianz-trade.com