Privacy Statement

Cookie Settings

c) Subject to your consent

We only use optional cookies if we have obtained your prior consent (Art. 6(1)(a) General Data Protection Regulation). Upon your first access to our website, a banner will appear, asking you to give us your consent to the setting of optional cookies. If your consent is given, we will place a cookie on your computer and the banner will not appear again as long as the cookie is active. After expiration of the cookie’s lifespan, or if you actively delete the cookie, the banner will reappear upon your next visit to our website and again ask for your consent.

b) How to prevent the setting of cookies

Of course, you may use our website without any cookies being set. In your browser, you can at any time configure or completely deactivate the use of cookies. This may, however, lead to a restriction of the functions or have adverse effects on the user-friendliness of our website. You may at any time object to the setting of optional cookies by using the respective objection option in the Privacy Preference Center.

3. Website analysis

Website analysis with Google

On our Website we use a web analysis service of Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States ("Google"). Google will analyze your use of our Website on our behalf. To this purpose, we use the cookies described in more detail in the above table. The information collected by Google in connection with your use of our Website (e.g. the referring URL, our webpages visited by you, your browser type, your language settings, your operating system, your screen resolution) will be transmitted to a server of Google in the US, where it will be stored and analyzed. The respective results will then be made available to us in anonymized form. Your usage data will not be connected to your full IP address during this process. We have activated on our Website the IP anonymizing function offered by Google, which will delete the last 8 bits (type IPv4) or the last 80 bits (type IPv6) of your IP address after each data transfer to Google.

Moreover, by concluding specific agreements with Google we ensure that an adequate level of data protection is maintained with respect to the processing of personal data by Google in the US.

You may withdraw your consent to the use of web analysis at any time, either by downloading and installing the provided Google Browser Plugin or by administrating your consents in the Privacy Preference Center, in which case an opt-out cookie will be placed. Both options will prevent the application of web analysis only as long as you use the browser on which you installed the plugin and do not delete the opt-out Cookie.

Further information on Google Analytics is available in the Google Analytics Terms of Use, the Privacy and Data Protection Guidelines of Google Analytics and in the Google Privacy Policy.

Online behavioral advertising with Google

This Website uses an online behavioral advertising service of Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States (“Google“).

Google will analyze your use of this Website. To this purpose, Google uses the cookies described in more detail in the above table. The information collected by Google in connection with your use of our Website (e.g. the referring URL, our webpages visited by you, your browser type, your language settings, your operating system, your screen resolution) will be transmitted to a server of Google in the US, where it will be stored and analyzed. We and our partner Google will use this information to better tailor our advertisements to you and your interests, to limit the number of times you are shown the same advertisement, to evaluate the efficiency of promotional campaigns, and to better comprehend the behavior of visitors after they have looked at a certain ad. When you visit another website of the so-called “Google Display Network”, customized pop-ups tailored to your interests can be presented to you on the basis of the information collected on our Website.

Moreover, by concluding specific agreements with Google we ensure that an adequate level of data protection is maintained with respect to the processing of personal data by Google in the US.

You may withdraw your consent to this transfer of information to Google for online behavioral advertising purposes at any time either by administrating your consents in the Privacy Preference Center, in which case an opt-out cookie will be placed, or by downloading and installing the Google Browser Plugin offered by Google. Both options will prevent the use of online behavioral advertising services only as long as you use the browser on which you installed the plugin and do not delete the opt-out Cookie.

Google is responsible for processing your personal data which Google collects directly from our Website for online behavioral advertisement services. Since we have no control over personal data collected and processed by third parties, we are not in a position to provide binding information regarding the scope and purpose of such processing of your personal data. Thus, please visit Google’s information on data privacy to receive further information on how Google processes your personal data and for how long. At the time of preparation of this privacy statement, Google’s information was available on the Google Data Protection Guidelines for Advertising. Further information on data protection at Google can be found within their Privacy Policy.

4.  External services or content on our website

a)  In General

We include third-party services and/or content on our Website. When you use such third-party services or when third-party content is displayed, communication data are exchanged between you and the respective provider for technical reasons.

The respective provider of the services or content may also process your personal data for own additional purposes. To the best of our knowledge, we have configured the services and content of providers known to process personal data for own purposes in such a way that either any communication for other purposes than to present their services or content on our Website is blocked, or communication only takes place once you have actively opted to use the respective service. However, since we have no control over personal data collected and processed by third parties, we are not in a position to provide binding information regarding the scope and purpose of such processing of your personal data.

For further information regarding the scope and purpose of such processing of your personal data, please consult the privacy statements of the providers whose services and/or content we include and who are responsible for the protection of your personal data in this context:

• LinkedIn
• Google
• YouTube Videos

b) Request for Insurance Product Offers

Through the website, you have the opportunity to request offers for insurance services from insurers with whom Pallas collaborates. For this purpose, we collect the data from you that is necessary to create the offer. This includes information about you as the applicant (name, contact details, date of birth) as well as information about the persons to be insured (e.g., name, first name, date of birth). Depending on the insurance, additional information may be required to create an offer.

c) Ordering Information Material

Through the website, you can request information material about insurance products. For this purpose, we ask for the relevant contact details so that we can send you the corresponding information. We process your contact details exclusively for handling your order.

d) Use of Rate Calculators

For some insurance services, you have the option to use rate calculators from insurers or service providers commissioned by Pallas. These are services provided by these providers. In the context of such rate calculators, personal data is collected and processed, which is necessary as identifiers for the calculation of the rate. This data can then be directly used to request a corresponding offer from the insurer of your choice. The rate calculators also offer you the possibility to register there with a username and password and save the data you have entered so that you can reuse it at any time. If you use a rate calculator for an insurance service offered by us without registering, the data you enter there will not be stored. If you register, we store your data as long as we have a legitimate interest in being able to track the data and the resulting calculations and as long as legal (e.g., tax or commercial law) verification and retention obligations exist. This varies depending on the further use of the data, e.g., in the context of an insurance application or contract conclusion resulting from the calculation. For data processing in the context of rate calculators for services of other insurers, the respective insurer is responsible for data protection and their data protection regulations apply.
 

4. Use of contact forms

You can contact us directly via the contact forms available on our Website. In particular, you may provide us with the following information: 

• Name and surname
• Gender and title
• Contact data (e.g. postal/email address or phone number)
• Message
• Location

We process information provided by you via contact forms exclusively for the processing of your specific request. We delete this information as soon as it is no longer required anymore in order to process or follow up on your request.

6. Information on side effects and quality complaints

This Website is not intended or designed for communications regarding side effects, lack of therapeutic effect, medication errors, grey market products/counterfeit medicine, incorrect or off-label use, quality complaints and/or other issues regarding the safeness or quality of Bayer products. If you wish to report side effects or make a quality complaint, please contact your health care professional (e.g. physician or pharmacist), your local health authority, or use our Website for the report of undesirable side effects.

If you nevertheless report to us undesirable side effects or other issues regarding the safeness or quality of Bayer products, we will be legally bound to deal with your communication and may have to contact you for clarification purposes. Subsequently, we may have to notify the competent health authorities of the issues reported by you. In this context, your information will be forwarded in pseudonymized form, i.e. no information by which you may be directly identified will be passed on. We may also have to forward these pseudonymized notifications to our group companies and cooperation partners, to the extent these are likewise obliged to notify their respectively competent health authorities.

Further information about data privacy and side effect reporting are available in the Bayer Privacy Statement for Pharmacovigilance Data.

7. User surveys and feedback

Participation in the user surveys conducted from time to time on our website or giving feedback is voluntary. We use functional cookies to carry out user surveys or ask for feedback. The technical information recorded by the user survey is the same information that is recorded when user visit the website (see above). Your responses submitted during a user survey or provided with feedback will not be linked to your personal data such as your IP address. Legal basis for processing your personal data is our legitimate interest (Art. 6 (1) (f) GDPR) as such data processing is required to provide you with access to the survey and participation is voluntary. Your data is only briefly stored and processed.

II.  Recipients of personal data

a)  Commissioned processing

For the processing of your personal data we will to some extent use specialized service contractors that process your data on our behalf (e.g. for IT-Support or cloud services).

Such service contractors are carefully selected and regularly monitored by us. Based on respective data processing agreements, they will only process personal data in accordance with our instructions.

b)  Affiliates

We may share your personal data with our affiliates from the Bayer Group, where necessary for the purposes described above. 

c)  Authorities and state institutions

We may share your personal data with law enforcement agencies or other authorities and state institutions if legally required or necessary for the purposes described above.

d)  External lawyers

In order to support legal decisions and to pursue or defend against legal claims, we may share your personal data with external lawyers.

e)  Prospective buyers in the context of Mergers & Acquisitions

We may share your personal data with a prospective buyer in case of an acquisition, merger or any other type of corporate or asset transition involving a change of ownership or control concerning us or our services.

III.  Processing of personal data outside the EEA

Your personal data may be transferred to countries outside the European Economic Area, including such for which the European Commission has not issued an adequacy decision. If no adequacy decision exists for the respective country, we will ensure an adequate level of protection for your personal data by concluding so-called standard contractual clauses - adopted by the European Commission - with the recipient (to obtain a copy, please refer to the contact details below), or we will ask for your explicit consent to the transfer.

B.  Information regarding your rights

The following rights are in general available to you according to applicable data privacy laws:

• Right of information about your personal data stored by us;
• Right to request the correction, deletion or restricted processing of your personal data;
• Right to object to a processing based on legitimate interest or public interest, unless we are able to proof that compelling, warranted reasons superseding your interests, rights and freedom exist, or that such processing is done for purposes of the assertion, exercise or defense of legal claims;
• Right to data portability;
• Right to file a complaint with a data protection authority;
• Where you have provided your consent to the processing of your personal data, you may at any time withdraw your consent with future effect. Such a withdrawal will not affect the lawfulness of the processing prior to the withdrawal.

If you are a resident of California or Nevada in the United States, you may have additional rights regarding your personal data. More information may be found on the US privacy statement addendum.

C.  Contact

For any questions you may have with respect to data privacy, or if you wish to exercise your rights, please address your request to our contact form or contact our company data protection officer at the following address:

Data Privacy Officer
Pallas Versicherung AG
Kaiser-Wilhelm-Allee 20
51373 Leverkusen, Germany

D.  Amendment of privacy statement

We may update our Privacy Statement from time to time. Updates of our Privacy Statement will be published on our website. Any amendments become effective upon publication on our website. We therefore recommend that you regularly visit the site to keep yourself informed on possible updates.

Declaration as of: 01-23-2025