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Legal disclaimer / Data protection statement

Legal disclaimer

COPYRIGHT

Euler Hermes’s copyright applies to the site content and all data and pictures on the pages of the section "Export Credit Guarantees". Euler Hermes reserves the right to alter or amend the information, products or services offered on these pages at any time without notice.

PwC’s copyright applies to the site content and all data and pictures on the pages of the sections "Investment Guarantees" and "Untied Loan Guarantees". PwC reserves the right to alter or amend the information, products or services offered on these websites at any time without notice.

In the section "Promotion of Exports" (portal) information on the various instruments is provided by the company responsible for the instrument in question. The respective copyright is held by the company which is responsible for the content.

To the extent described above, all texts, pictures, graphics and sound, video and animation files as well as their arrangement are subject to copyright and other laws protecting intellectual property. It is prohibited to copy them for commercial purposes or for passing them on or to modify and use them on other websites. On some pages of the domain http://www.agaportal.de there are pictures which are subject to the copyright of those who made them available.

This website offers only general information; it is intended to give any interested Internet user an overview of the underwriting instruments for export transactions which are provided by the Federal Republic of Germany and handled by Euler Hermes and PwC. We expressly disclaim any liability whatsoever for any decisions taken by the user on the basis of the afore-mentioned information. Please note that the content does not constitute any individual legal, economic, accounting, tax or any other specialized information or advice; where such advice is required a professional should be consulted who can take the actual circumstances of the particular case into account.

The information presented on this website was compiled with due care. Nevertheless neither Euler Hermes nor PwC will assume any liability, for whatever cause in law, for the information’s accuracy, timeliness and completeness.

This website contains links to other websites of third parties. Neither Euler Hermes nor PwC have any control over these websites and the information, products or services which are offered in them and therefore neither of the two companies assumes any liability, for whatever cause in law, for any and all content of third parties’ website.

The company styles, logos and trademarks which have been registered on Euler Hermes’s behalf, are the property of Euler Hermes and must not be used without its prior written consent.
The above shall apply to PwC mutatis mutandis.

Any legal relationship that may exist or arise in future shall be governed exclusively by German law and only German courts shall have jurisdiction over such a relationship.

Data protection policy of Euler Hermes Kreditversicherungs-AG

The right of the individual to determine what happens with his or her personal data derives from the general rights of the individual. Legal rules - e.g. the Federal Data Protection Act (BDSG) and German Teleservices Act (Telemediengesetz) - exist for the purpose of protecting these rights. The form taken by our website is in compliance with the legal requirements of the Federal Data Protection Act. We are convinced that you in particular, as an Internet user, want to know that we are committed to safeguarding your privacy.

You can navigate anonymously in all public websites of AGA-Portal.
In any case in which we wish to store, process or use personal data obtained through your visiting our websites, we will inform you of this fact.
The decision about what personal data we receive and for what purpose we may process or use it is yours.
We will respect your data protection rights, especially your right to be informed about any data we have stored.
Our staff are obliged to maintain strict confidentiality.
Our data security measures are up to the newest technological standards.
The Privacy Officer and the Internal Audit Department of Euler Hermes monitor the compliance with the privacy principles.

Your options for protecting yourself and your rights under the Data Protection Act

We leave it entirely up to you to decide what information you entrust to us during your visit to our websites.

Anonymity:

You can navigate anonymously in all public websites of AGA-Portal. In particular you can use our premium calculator anonymously and exit from the quotation procedure at any time. We collect data exclusively for statistical purposes in order to improve the service offered by our website, and it cannot be traced back to you (See the section on "Storage, processing and use of data").

Consent/voluntary contribution of data:

There will be no automatic collection/storage, processing or use of data obtained from your visit to our website without obtaining your express consent. If you ask us for a personal quotation for a product, you need only enter the data for this voluntarily.

Use of personal details for advertising:

You can at any time refuse to allow your personal data to be used or passed on for advertising purposes. Temporary cookies for the purpose of regulating an Internet session or cookies which remain active after the session in question is completed are not used by us.

Access protection:

If you are a member of a closed user group of Euler Hermes, your access is protected by a password and the dialogue with you is automatically encrypted. The security of your data is therefore crucially dependent on how you handle your access data.

Your data privacy rights

Under the Federal Data Protection Act you have the right

to receive information, at no cost to yourself, about what data concerning you we have stored and what purpose we use it for as well as, under certain circumstances, the right
to require us to correct, block or delete such data.

Under the Teleservices Act you have in addition the right

to revoke consent you have already given to the collection/storage, processing or use of data obtained from your use of the Internet at any time without needing to give a reason and
to be shown at any time of your choosing any personal data with respect to you or a pseudonym which we may have stored.

If you wish to make use of these rights, please get in touch with the Privacy Officer of Euler Hermes.

The storage, processing and use of data

When we wish to store, process or use data obtained from your visit to our website, we will inform you of this fact. The decision about what personal data we receive and for what purpose we may process or use it is yours. In order to continually improve our website and the service it provides, we collect statistical information e.g. about the number of visits to each individual website. The information retained comprises the type and version of browser used, operating system, Internet Service Provider, date and time of access. This information is used exclusively for internal purposes and is not related to any personal identification.

We only collect data which makes a person identifiable via our public websites for processing and use when you voluntarily decide in favour of such an entry or declare expressly that you consent to it. In most cases such personal details are needed to make a product quotation you ask for. In this case the details are either passed on to the relevant department inside Euler Hermes or deleted after three months at the latest.

Details given by you in an application for a product quotation lead to storage of the details of the application with the company with which you maintain business relations.

We collect data on closed user groups for personally identified processing and use it as far as this is covered by the purpose defined by their contractual or fiduciary relationship with us or to the extent that they have given their express consent either electronically or in writing (e.g. in an application for insurance etc.). There is no compilation of data obtained from your visits to the websites of AGA-Portal. Each time you download a file from our websites the access data are stored. Each such dataset consists of

the filename,
the IP address,
the date and time of the request,
the size of the file transmitted,
the access status (file transferred, file not found etc.),
a description of the type of browser used.

Any compilation of user profiles is excluded. No transfer of data, even in summarized form, to third parties takes place.

Any personal data will be transmitted to state institutions and agencies only if we are required to do so under imperative national legal provisions. Our staff and any agencies we have commissioned have been bound by us to maintain strict confidentiality.

We correct and complete the data we have stored as soon as new information becomes available to us. Where necessary we inform the data recipient of this fact. As a member of a closed user group, you yourself can directly influence the quality of the data.

We delete any data we hold in storage on the expiry of the period stipulated by law or by contractual agreement or when such data is no longer needed.

We do not sell or lease any personal data to persons or organizations outside Euler Hermes, including user groups or e-mailing lists. Internal use within the company for advertising purposes is permitted unless you have registered your refusal to let your data be so used.

Measures taken to protect your personal data

Stringent and constantly monitored safety procedures ensure that your personal data are protected at all times.

Handling of E-mails

The E-mail address given by you is used to answer your requests for information. If such information is part of our E-mail communication with you as a customer, it will be sent exclusively in encrypted form. If the content of your message is material to our contractual relationship with you, we will store the E-mail concerned. Please remember, before sending us an E-mail unencrypted via your Internet Service Provider, that the contents of the message are not necessarily protected from reading by unauthorized persons or against falsification etc. while in the Internet.

Encryption

We employ an automatic end-to-end encryption procedure in each dialogue via websites of AGA-Portal involving personal data. Encryption length for access data and customer data is at least 128 bits.

Access protection at Euler Hermes Kreditversicherungs-AG

The data processing network of AGA-Portal is protected outwards by a state-of-the-art firewall system. Euler Hermes internal applications can only be accessed via an access procedure with personal user IDs and passwords for authorized persons. User access rights within the applications are limited by access right verification systems according to the needs of their work function.

Duty of confidentiality

Persons employed by Euler Hermes are obliged to observe

the bank secret,
the data secret,
the telecommunications secret,
the confidentiality of business and trade information,
personal privacy,
confidentiality concerning social status,
and, where appropriate, insurance confidentiality.

Privacy officers are additionally obliged by their professional position to maintain absolute confidentiality.

This position is the address to contact for requests for information, suggestions, complaints, as well as to register your refusal to let your data be used or to revoke consent already given.

Control and adaptation of the privacy principles

Open access and closed user groups

As an Internet user you have free access to all AGA-Portal’s public websites. Access to specific areas is restricted to users with special access rights. The reasons are as follows:

E-business transactions which necessitate a special level of data security
applications for customers, intermediaries, consumers and other closed user groups

The Privacy Officer is responsible for ensuring compliance with the privacy principles. Compliance with the Allianz data protection and IT security guidelines is monitored by the Internal Audit Department. The systems are permanently monitored for any attempt to gain unauthorized access.

Random checks are also carried out on authorized access transactions to determine the nature of the work function involved. The automated processing of personal data is regulated by the appropriate data protection authority.

Adaptation of the privacy principles

When Euler Hermes introduces new products or services or the further development of data protection or IT security technology makes it necessary, this may affect the privacy principles. We therefore reserve the right to alter the principles as needed or to make additions to them. We will make every effort to publish such alterations or additions immediately here. You can check this at any time. The current version is as per 01.06.2008 and is Version 4.1.

06.12.2001/Version 1
Paragraph "Control and adaptation of the privacy principles": Adapted to incorporate the current version of the Federal Data Protection Act

13.03.2002/Version 2
Section "Your options for protecting yourself and your rights under the Data Protection Act": Addition of passage on 5 -year cookies and their purpose

15.12.2003/Version 3
New version of the privacy principles:
Individual adaptation to the specific needs of Euler Hermes Kreditversicherung

15.06.2006/Version 4
Amendments regarding copyright, trade mark right and licensing law as well as data collection

01.06.2008/Version 4.1
Minor amendments to the text regarding the consortium and the Teleservices Act (Telemediengesetz)

Contact address for data protection questions

All questions concerning the collection, processing or use of your personal data by a company of the Euler Hermes Kreditversicherungs group should be addressed to:

Euler Hermes Kreditversicherungs-AG
Privacy officer
Friedensallee 254
D-22763 Hamburg

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