Legal

karl-koellner.com is the Internet Homepage of:
Karl Koellner GmbH Versicherungsmakler
Valentinskamp 70
20355 Hamburg
Germany

Contact
Karl Koellner GmbH Versicherungsmakler
Telephone: +49 (0) 40 37 49 54 - 0
Telefax: +49 (0)40 37 49 54 - 44
eMail: info[at]karl-koellner.com
Internet: www.karl-koellner.com

Managing Directors with Power of Attorney
Kai Frank Büchter, Mathias Hofmann, Thilo Paulsen, Stephan Winneg

Value Added Tax Identification Number according to § 27a VAT Act
DE 238093388

Register of Insurance Intermediaries
Register-No. D-LJ0S-321Z6-64
www.vermittlerregister.info

Register Authority
Deutscher Industrie- und Handelskammertag (DIHK) e. V.
(German Association of Chambers of Commerce and Industry)
Breite Straße 29
10178 Berlin
Germany
Telephone: +49 (0) 180 60 05 85 0 (0,20 €/call)
Telefax: +49 (0) 30 / 20 30 8 - 10 00
www.dihk.de

Authorization
Authorization according to § 34d clause 1 trade, commerce and industry regulation act (Insurance Broker) has been granted by:
Handelskammer Hamburg (Chamber of Commerce)
Adolphsplatz 1
20457 Hamburg
Germany
Telephone: +49 (0) 40 / 36 138 - 138
Telefax: +49 (0) 40 / 36 138 - 401
www.hk24.de

Arbitration Boards for Amicable Arrangements
Versicherungsombudsmann e. V.
Postfach 08 06 32
10006 Berlin
Germany
Telephone: +49 (0) 18 04 / 22 44 24
www.versicherungsombudsmann.de
Ombudsmann Private Kranken- und Pflegeversicherung
Kronenstraße 13
10117 Berlin
Germany
Telephone: +49 (0) 180 / 255 0 444
www.pkv-ombudsmann.de

Complaint management
Complaints about Aon's work can be sent to the following email address

de-beschwerdemanagement@aon.com

Independency
Our company does neither directly nor indirectly exercise share voting rights or hold shares of an insurance company.Neither an insurance company, nor a holding company of an insurance company does directly or indirectly exercise share voting rights or hold shares of our company.

Responsible for Content in Accordance with § 10 paragraph 3 of the MDStV
Kai Frank Büchter, Mathias Hofmann, Thilo Paulsen, Stephan Winneg

Liability Clause
In spite of careful control as to the content, we do not accept any liability for the content of external links. The operators are solely responsible for the content of the linked sites.

Design
Design: Dirk Holtkötter
Programming & maintenance: 
KOPFARBEIT, Niels PrüserPhotos: Fotolia: mtaira, Halfpoint, Marco2811, Nejron Photo, mb1983k, Andrei Merkulov, hannurama, Love the wind, Matthias Buehner, tlovely, donvictori0, TTstudio, peshkov, fazon, shutterstock
Last update: 2021/21/03

Privacy notice for

Karl Köllner GmbH Versicherungsmakler
Karl Köllner GmbH & Co KG Marine Insurance Brokers
Karl Köllner Pensionsmanagement GmbH

Privacy notice

Our handling of your data and your rights
Thank you very much for your interest in our company. Data protection has a particularly high priority for the management.

The use of our internet pages is basically possible without any indication of personal data. However, if a person concerned wishes to make use of special services provided by our company via our website, it may be necessary to process personal data. If the processing of personal data is necessary and there is no legal basis for such processing, we will generally obtain your consent as the person concerned.

The processing of personal data, for example the name, address, e-mail address or telephone number of a data subject, is always carried out in accordance with the Basic Data Protection Regulation (EU-DSGVO, hereinafter referred to as DSGVO) and in accordance with the country-specific data protection regulations applicable to the companies.

With this data protection declaration, our company wishes to inform the public about the type, scope and purpose of the personal data collected, used and processed by us. Furthermore, this data protection declaration informs the persons concerned about their rights.

As the person responsible for processing (hereinafter referred to as the "person responsible"), we have implemented numerous technical and organisational measures to ensure that the personal data processed via this website is protected as completely as possible. Nevertheless, Internet-based data transmissions can in principle have security gaps, so that absolute protection cannot be guaranteed. For this reason, each person concerned is free to transmit personal data to us by alternative means, such as telephone.

Name and address of the controller
The person responsible within the meaning of the DSGVO and other data protection laws applicable in the EU Member States and other provisions of a data protection nature is the:
Karl Köllner GmbH Versicherungsmakler, Valentinskamp 70, 20355 Hamburg, Deutschland, Telephone: +49 (40) – 374954 0, E-Mail: info@karl-koellner.de, Website: www.karl-koellner.de

Address of the company data protection officer
Corporate Data Protection Officer of Karl Köllner GmbH Versicherungsmakler, Valentinskamp 70, 20355 Hamburg Germany, is Mag. Andrea Thurner, Phone: +43 (0)664 814 28 65, E-Mail: Andrea.Thurner@aon-austria.at

Data subjects can contact our data protection officer directly at any time if they have any questions or suggestions regarding data protection.

Note: In the following, we quote the applicable or specifically relevant legal bases and abbreviate the word "Rechtsgrundlagen" with the designation "RG" for better readability.

Collection of general data and information
When you visit our website, a number of log files of the server are saved with each call. These can be collected:

(1) the browser types and versions used
(2) the operating system used by the accessing system
(3) the website through which an accessing system accesses our website (so-called referrer)
(4) the sub-sites through which an accessing system on our website is controlled
(5) the date and time of access to the website
(6) an Internet Protocol address (IP address)
(7) the Internet service provider of the accessing system
(8) other similar data and information used to avert dangers in the event of attacks on our information technology systems

When using this general data and information, we do not draw any conclusions about the person concerned. Rather, this information is needed to

(1) to deliver the contents of our website correctly,

(2) to optimise the content of our website and, if necessary, the advertising for it,

(3) to ensure the long-term operability of our information technology systems and the technology of our website

(4) and to provide law enforcement authorities with the information necessary for law enforcement in the event of a cyber attack.

This anonymously collected data and information is therefore evaluated by us statistically and with the aim of increasing data protection and data security in our company to ultimately ensure an optimal level of protection for the personal data processed by us. The anonymous data of the server log files are stored separately from all personal data provided by the person concerned.

SSL encryption
This site uses SSL encryption for security reasons and to protect the transmission of confidential content, such as requests that you send to us as the site operator. You can recognize an encrypted connection by the fact that the address line of the browser changes from "http://" to "https://" and by the lock symbol in your browser line.

If SSL encryption is activated, the data you transmit to us cannot be read by third parties.

Disclosure of data
In principle, we do not pass on your data to third parties without first informing you and asking for your permission. Only in the exceptional cases explained below can we transfer your data to third parties without prior separate information:

• If it serves to clarify an illegal use or is necessary for legal prosecution, personal data is forwarded to the law enforcement authorities and possibly to injured third parties. However, this only happens if there are concrete indications of unlawful or abusive conduct. A passing on can also take place if this serves the enforcement of general trading conditions or other agreements. In any case, we will inform you immediately if such disclosure of your personal data is requested.

• We are also legally obliged to provide information to certain public bodies upon request. These are criminal prosecution authorities, authorities that prosecute administrative offences subject to fines and the tax authorities.

• From time to time, we may rely on contractually affiliated third parties and external service providers to provide our services. In such cases, information is shared with these companies or individuals to enable them to process it further. These external service providers are carefully selected and regularly reviewed by us to ensure that your privacy is maintained. The service providers may only use the data for the purposes specified by us. Furthermore, the service providers are contractually obliged by us to treat your data exclusively in accordance with this data protection declaration and the DSGVO and the applicable data protection laws.

• As part of the further development of our business, the structure of Karl Köllner GmbH Versicherungsmakler may change by changing its legal form, founding, buying or selling subsidiaries, parts of companies or components. In such transactions, customer information is passed on together with the part of the company to be transferred. Whenever personal data is transferred to third parties to the extent described above, we ensure that this is done in accordance with this data protection declaration and the relevant data protection laws.

Possibility to contact us via the website
If you, as the person concerned, contact us by e-mail, the personal data relating to your person will be automatically stored. This is always done on a voluntary basis on your part; however, we store the personal data transmitted in this context exclusively for the purpose of processing or contacting you as the person concerned. This personal data will under no circumstances be passed on to third parties.

Routine deletion and blocking of personal data
We store your personal data only for the period of time necessary to achieve the storage purpose within the framework of the data protection regulations applicable for this in accordance with the DSGVO or other data protection regulations.

If the storage purpose no longer applies or if a storage period prescribed by the DSGVO or other data protection regulations expires, the personal data will be blocked or deleted routinely and in accordance with the statutory provisions.

Rights of the data subject Right to confirmation
As a data subject, you have the right under the DSGVO to request confirmation from us, as the person responsible, whether personal data relating to you is being processed. If you wish to exercise this right of confirmation, you can contact our data protection officer or another of our employees at any time. Right to information

Furthermore, you have the right to receive from us at any time and free of charge information about the personal data stored about you as well as a copy of this information.

In this context, the DSGVO grants you a concrete claim to information for the following information:
● the processing purposes
● the categories of personal data that will be processed
● the recipients or categories of recipients to whom your personal data has been or will be disclosed, in particular recipients in third countries or international organisations
● if possible, information on the planned duration for which the personal data will be stored or, if this is not possible, the criteria for determining this duration
● the existence of a right to rectify or delete personal data concerning you or to limit the processing by us or on the basis of a right to object to such processing
● the existence of a right of appeal to the competent supervisory authority
● if the personal data is not collected directly from you, but a personal reference to you can be established: all available information about the origin of the data
● the existence of automated decision making including profiling and - at least in these cases - meaningful information about the logic involved as well as the scope and desired effects of such processing for you as the data subject (RG: Art.22 para.1 and 4 DSGVO)

In addition, you have a right to information as to whether your personal data has been transferred to a third country or to an international organisation. If this is the case, you also have the right to obtain information about the appropriate guarantees in connection with the transfer.

If you wish to exercise this right of access, you can contact our data protection officer or one of our employees at any time.

Right to rectification

As a data subject, you have the right to request the immediate rectification of any inaccurate personal data concerning you. Furthermore, you have the right to request the completion of incomplete personal data - also by means of a supplementary declaration - taking into account the purposes of the processing.

If you wish to exercise this right of rectification, you can contact our data protection officer or one of our employees at any time.

Right to deletion (right to be forgotten)
As a data subject, you have the right to demand that we delete the personal data concerning you immediately and to the extent that processing is not necessary, in particular if one of the following reasons applies:
● the personal data are no longer necessary for the purposes collected or for other processing methods. (RG: Art.6 Abs1 a; Art.9 Abs.2; Art.21 DSGVO)
● the personal data have been processed unlawfully
● the deletion of personal data is necessary to fulfil a legal obligation under Union law or the law of the member states to which Karl Köllner GmbH Versicherungsmakler, as the responsible party, is subject.
● the personal data have been collected within the framework of the conditions for a child's consent to services offered by the information society (RG: Art.8 Abs.1 DSGVO)

If one of the reasons mentioned above applies and you, as the person concerned, wish to have your personal data stored by Karl Köllner GmbH Versicherungsmakler in this connection deleted, please contact our data protection officer or one of our employees so that the request for deletion can be complied with immediately.

If we have made the personal data public and our company, as the responsible party, is obliged to delete the personal data, we will take appropriate measures, also of a technical nature, to fulfil this request for deletion, taking into account the available technology and implementation costs. In this context, all data controllers who process your personal data will be informed that you have requested the deletion of all links to this personal data or copies or replications of this personal data. Our data protection officer will take the necessary steps in individual cases. (RG: Art.17 Abs.1 und 2 DSGVO) Right to Restriction of Processing

As a data subject, you have the right to demand from us, as the person responsible, that we restrict the processing of your personal data if one of the following conditions is met:
● the accuracy of personal data is disputed by you for a period of time that enables us to verify the accuracy of the data accordingly
● the processing is unlawful, i.e. you, as the data subject, refuse to delete the personal data and demand instead the restriction of the use of this data
● we, as the responsible party, no longer need the personal data for the purposes of processing, but you, as the person concerned, need the data to assert, exercise or defend legal claims
● You, as the data subject, have lodged an objection against the processing and it is not yet clear whether the legitimate reasons which we, as the data controller, give for the processing outweigh yours (RG: Art.21 Abs.1 DSGVO).

If one of the above conditions is met and you, as the person concerned, wish to request the restriction of personal data stored by us, you can contact our data protection officer or one of our other employees at any time to arrange for the restriction of processing.

Right to data transferability

As a data subject, you have the right to receive the personal data that you have provided to us for processing in a structured, common and machine-readable format. You also have the right to communicate this data to another data controller to whom the personal data has been provided, without any hindrance on our part, provided that the processing is based on a DSGVO provision or consent given by you or on a DSGVO-compliant contract and the processing is carried out using automated procedures, provided that the processing is not necessary for the performance of a task in the public interest or in the exercise of official authority assigned to the data controller. (RG: Art.6 para.1 a, Art.9 para.2, Art.6 para.1 b DSGVO)

Furthermore, within the scope of your claim to data transferability, you have the right to obtain that the personal data be transferred directly by a responsible person (in this case Karl Köllner GmbH Versicherungsmakler) to another responsible person, insofar as this is technically feasible and insofar as this does not impair the rights and freedoms of other persons. (RG: Art 20 para. 1 DSGVO)

To assert your right to data transfer, please contact our data protection officer or another of our employees.

Right of opposition
As a data subject, you have the right to object at any time to the processing of personal data concerning you for reasons arising from your particular situation. This also applies to profiling based on these provisions. (RG: Art.6 para.1 e or f DSGVO)

In the event of objection, we will no longer process the personal data unless we can prove compelling reasons for the processing worthy of protection which outweigh the interests, rights and freedoms of the persons concerned in this context, or the processing serves the assertion, exercise or defence of legal claims.

If we process data in order to operate direct advertising, you, as the person concerned, have the right to object at any time to the processing of personal data for the purpose of such advertising. This also applies to profiling as far as it is connected with such direct advertising. If, in this connection, you object to our processing for direct marketing purposes, we will no longer process your personal data for these purposes.

You also have the right, for reasons arising from your particular situation, to object to the processing of your personal data, which may be carried out by us for scientific or historical research purposes or for statistical purposes, unless such processing is necessary for the performance of a task in the public interest. (RG: Art.89 para.1 DSGVO)

To exercise your right to object, you can contact our data protection officer directly or another of our employees.

Automated decisions in individual cases including profiling
You, as the data subject, have the right not to be subject to a decision based solely on automated processing, including profiling, which has legal effect upon you or which similarly significantly affects you, provided that the decision

● is not required for the conclusion or performance of a contract between you and Karl Köllner GmbH Versicherungsmakler, or
● is permissible due to legal provisions of the Union or the member states to which Karl Köllner GmbH Versicherungsmakler is subject, and these legal provisions contain appropriate measures to safeguard the rights and freedoms as well as the legitimate interests of you, as the person concerned, or
● with your explicit consent

Is the decision
● for the conclusion or fulfilment of a contract between you and the Karl Köllner GmbH insurance broker necessary or

● it takes place with your explicit consent, 

we take appropriate measures to protect your rights and freedoms as well as your legitimate interests. (RG: Art.22 DSGVO) Applications Use of Cookies

We try to make your visit to the website as simple and informative as possible. When you visit the website, our web server sends a cookie to your computer. Cookies are small pieces of text information that a visited website places on your computer via the browser in order to record and, if necessary, track data about your use. Some of our cookies are deleted when you close your browser at the end of your web session. Other cookies are used to recognize you when you return to the site and therefore last longer.

We use Cookies:
● so that we can remember that you have already visited the website. This allows us to determine the number of our individual visitors and to ensure that we provide sufficient capacity for our number of users; and
● so that we can customize elements of the advertising-specific layout and/or content of the website; and
● so that we can collect anonymous statistical information about how you use the Site (including how long you have been on the Site) and from where you came to the Site. This helps us to optimise the website and to find out which subpages and sections are particularly popular with our visitors.

Some of the cookies used on the website are set by us, others by third parties who provide services on our behalf.

Most browsers automatically accept cookies, but if you wish you can set your browser to prevent this or to notify you when a cookie is to be set. Please note, however, that you may not be able to use the website to its full extent if you block or delete the cookies used on it.

Use of Google Analytics
Our website uses the "Google Analytics" service provided by Google Inc. (1600 Amphitheatre Parkway, Mountain View, California 94043, USA) to analyze website usage by users. The service uses "cookies", i.e. text files that are stored on your terminal device. The information collected by the cookies is usually sent to a Google server in the USA and stored there.

On this website IP anonymisation is used. The IP address of the user is shortened within the member states of the EU and the European Economic Area. By this shortening the personal reference of your IP address is omitted. As part of an order processing agreement that we have concluded with Google Inc., we use the information collected to compile an evaluation of website usage and website activity, also in order to be able to provide the services associated with Internet usage.

You have the option of preventing cookies from being stored on your device by making the appropriate settings in your browser. It is not guaranteed that you can access all functions of this website without restrictions if your browser does not allow cookies.

You can also use a browser plug-in to prevent the information collected through cookies (including your IP address) from being sent to Google Inc. and used by Google Inc. The following link leads you to the corresponding plugin: https://tools.google.com/dlpage/gaoptout?hl=en

Here you will find further information on the use of data by Google Inc.: https://support.google.com/analytics/answer/6004245?hl=en

Use of Google Maps
Our website uses Google Maps to display interactive maps and to create directions. Google Maps is a map service provided by Google Inc., 1600 Amphitheatre Parkway, Mountain View, California 94043, USA. By using Google Maps, information about the use of this website, including your IP address and the (start) address entered as part of the route planner function, may be transmitted to Google in the USA. By calling up the website of our Internet presence, which contains Google Maps, your browser establishes a direct connection with Google's servers. The map content is transmitted by Google directly to your browser and integrated into the corresponding website. Therefore, we have no influence on the extent of the data collected by Google in this way. To our knowledge, this is at least the following data:
● Date and time of the visit to the website in question,
● Internet address or URL of the website accessed,
● IP address
● in the context of route planning,
● in the context of the route planning entered (starting) address.

We have no influence on the further processing and use of the data by Google and can therefore assume no responsibility for this.

If you do not want Google to collect, process or use data about you via our website, you can deactivate JavaScript in your browser settings. In this case, however, you cannot use the map display.

The purpose and scope of the data collection and the further processing and use of the data by Google as well as your rights in this regard and setting options to protect your privacy can be found in Google's data protection information.

By using our website, you consent to the processing of data about you by Google Maps Routenplaner in the manner and for the purposes set out above.

Nähere Informationen über die Datenverarbeitung durch Google können Sie den Datenschutzhinweisen von Google entnehmen, die Sie unter www.google.com/privacypolicy.html abrufen können.

For more information on specific data protection aspects relating to Google Maps, please click on the following link (additional terms of use for Google Maps/Google Earth): https://www.google.com/intl/de_en/help/terms_maps.html Right of appeal to the competent supervisory authority

As already emphasized elsewhere, the protection of your personal data is very important to us. We hope that the explanations in this data protection declaration will provide you with a sufficiently clear and understandable representation of your rights within the framework of the DSGVO and the applicable state data protection laws. In particular, the information on the assertion of your rights in this sense should ensure that all questions, concerns and any difficulties of a data protection nature which concern you can be clarified within the framework of our business relationship or in dialogue with you.

If you believe that your rights have been violated by us when handling your personal data, you can contact the responsible state supervisory authority for data protection.

The address of the state data protection officer responsible for us or the responsible supervisory authority is as follows:

The Hamburg Commissioner for Data Protection and Freedom of Information, Prof. Dr. Johannes Caspar, Klosterwall 6 (Block C), 20095 Hamburg, telephone: 040/428 54-40 40, fax: 040/428 54-40 00, e-mail: mailbox@datenschutz.hamburg.de, homepage: https://www.datenschutz-hamburg.de

Privacy policy update notice
We reserve the right to occasionally adapt this data protection declaration so that it always corresponds to the current legal requirements or in order to implement changes to our services in the data protection declaration, e.g. when introducing new services. Your renewed visit will then be subject to the new data protection declaration. Your rights to information, correction, blocking, deletion and objection remain unaffected by such a change.

Security and safety
Karl Köllner GmbH Versicherungsmakler takes precautions to protect your personal data against loss, destruction, falsification, manipulation and unauthorised access. Security measures are applied which are continuously adapted to technical developments. Of course, the legal data protection regulations of the Federal Republic of Germany are observed.

Links to other websites

This declaration on data protection applies to the website of Karl Köllner GmbH Versicherungsmakler, Karl Köllner GmbH & Co KG Marine Insurance Brokers and Karl Köllner Pensionsmanagement GmbH (all at www.karl-koellner.de). Please inform yourself separately about the data protection information for websites to which reference may be made.

Questions to the data protection officer
If you have questions of a fundamental or specific nature regarding data protection, please contact our data protection officer directly: Mag. Andrea Thurner, Tel. +43 (0)664 814 28 65, E-mail: Andrea.Thurner@aon-austria.at

The data protection declaration was prepared by Mr. Alexander Schenk, data protection consultant, Munich (https://www.itriskauditing.com).

Definitions
The data protection declaration of Karl Köllner GmbH Versicherungsmakler is based on the terms of the DSGVO. Our data protection declaration should be easy to read and understand for the public as well as for our customers and business partners. In order to guarantee this, we would like to explain the terms used here.

We use the following terms in this data protection declaration:

Personal data
Personal data means any information relating to an identified or identifiable natural person (hereinafter "data subject"). An identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or one or more specific characteristics expressing the physical, physiological, genetic, psychological, economic, cultural or social identity of that natural person.

Data subject
Data subject shall mean any identified or identifiable natural person whose personal data are processed by the controller.

Processing
Processing means any operation or set of operations which is carried out with or without the aid of automated processes and which relates to personal data, such as collection, recording, organisation, sorting, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or association, qualification, erasure or destruction. Limitation of processing

Limitation of processing is the marking of stored personal data with the aim of limiting their future processing.

Profiling
Profiling is any automated processing of personal data consisting of the use of such personal data to evaluate certain personal aspects relating to a natural person, in particular to analyse or predict aspects relating to the work performance, economic situation, health, personal preferences, interests, reliability, conduct, whereabouts or movement of that natural person.

Pseudonymisation
Pseudonymisation means the processing of personal data in such a way that the personal data can no longer be attributed to a specific data subject without the provision of additional information, provided that such additional information is kept separately and is subject to technical and organisational measures ensuring that the personal data are not attributed to an identified or identifiable natural person.

Person responsible for the processing or person responsible for the processing
The controller or controllers shall be the natural or legal person, public authority, agency or other body which alone or jointly with others determines the purposes and means of the processing of personal data. Where the purposes and means of such processing are laid down by Union law or by the law of the Member States, the controller or controllers may be designated in accordance with Union law or with the law of the Member States on the basis of specific criteria.

Processors
Processor is a natural or legal person, public authority, agency or other body which processes personal data on behalf of the controller.

Receivers
The recipient is a natural or legal person, public authority, agency or other body to whom personal data are disclosed, whether or not that person is a third party. However, authorities which may receive personal data in the course of a specific investigation task under Union law or the law of the Member States shall not be considered as recipients.

Third parties
Third party means any natural or legal person, public authority, agency or body other than the data subject, the controller, the processor and the persons authorised to process the personal data under the direct responsibility of the controller or processor.

Consent
Consent shall mean any voluntary, informed and unambiguous expression by the data subject of his or her will in the particular case, in the form of a statement or other unequivocal confirmatory act, indicating that he or she consents to the processing of his or her personal data.