Legal notice, terms of use & data protection

Legal notice, terms of use & data protection

Legal notice

Information in accordance with § 5 of the Austrian E-Commerce Act (E-Commerce Gesetz)
General information in accordance with § 24 of the Austrian Media Act (Mediengesetz)
Disclosure in accordance with § 25 of the Austrian Media Act
Disclosure in accordance with § 14 of the Austrian Commercial Code (UGB)
Terms of use

This website is subject to Austrian law. Unless otherwise agreed in writing all legal relations are governed by Austrian law (excluding the conflict of laws rules and the rules of UNCITRAL). 

This website is not addressed to consumers (CONSUMERS) as defined in Council Directive 93/12/EEC of 5 April 1993 on unfair terms in consumer contracts as amended.

Operator of the website, media owner and publisher:

VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppe

  • A joint stock corporation with registered office at Schottenring 30, 1010 Vienna, registered with the Commercial Court of Vienna under FN 75687 f
  • Address: Schottenring 30, P.O. Box 80, A-1011 Vienna, Austria
  • Telephone: +43 (0)50 390-22000
  • Email: info(at)vig.com
  • Editorial Department: Barbara Grötschnig, Wolfgang Haas, Nina Higatzberger, Barbara Hohl, Petra Ringler, Verena Schobesberger.
  • Editorial Department address: Schottenring 30, 1010 Vienna, Austria
  • Website design: FCB NEUWIEN, Werbeagentur GmbH., Mariahilferstraße 17, 1060 Vienna, Austria
  • VAT No.: ATU 36837900
  • Legal Entity Identifier (LEI-Code): 549300JCRU23I1THU176
  • Supervisory Authority: Austrian Financial Market Authority, Otto Wagner Platz 5, 1090 Vienna, Austria

Member of the Austrian Chamber of Commerce and the provincial Chambers of all Austrian provinces as well as the Austrian Insurance Association (VVO)

VIENNA INSURANCE GROUP AG WIENER VERSICHERUNG GRUPPE DENMARK, FILIAL AF VIENNA INSURANCE GROUP AG WIENER VERSICHERUNG GRUPPE, ØSTRIG

  • Address: Sank Annæ Plads 13, 1250 Copenhagen, Denmark
  • Register No.: 40 83 46 05
  • General Manager: Tom Færøvik
    Telephone: +45 72 19 64 08
    Email: tom.faerovik(at)vig.com
  • Supervisory Authority: Finanstilsynet, Århusgade 110, 2100 København Ø


The terms and conditions of use applying to the use of all information, documents or other disclosures on the website of VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppe are provided below under “Terms of use”. Please read this section carefully.

Basic purpose of the medium
The purpose of the website of VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppe (VIG) is to provide information about the company, its services and products, and related information. This information does not constitute an offer in the legal sense.

THIS WEBSITE IS NOT ADDRESSED TO CONSUMERS. VIG IS NO MEMBER OF ANY GUARANTEE FUNDS.

Corporate object of the media owner
The Company has the strategic leadership and takes over the central service functions of the group including infrastructure. Furthermore, the Company carries on the casualty insurance business as well as the property insurance business (property damage insurance and pecuniary loss insurance) as well as the reinsurance business in those branches for which it has the approval of the Austrian Financial Market Authority.

As far as they relate directly to the insurance business, the corporate objects of the Company shall be: 
a) acquiring interests in other companies;
b) acting as an insurance intermediary;
c) acting as an advisor for insurance matters;
d) acting as an intermediary for mortgage loans and personal loans, and for the acquisition and disposal of securities, provided these activities are connected to the insurance business;
e) acting as an intermediary for home loan and savings contracts;
f) providing automatic data processing and information technology services;
g) establishing and managing organizational institutions for companies in which the Company holds an interest or with which a cooperation agreement has been concluded;
h) performing administrative tasks for companies in which the Company holds an interest or with which a cooperation agreement has been concluded;
i) operating private medical facilities in the form of company outpatient clinics that provide medical treatment to employees of the Company.

Management Board of the media owner:
Chairwoman of the Managing Board (CEO) Elisabeth Stadler
Deputy Chairman of the Managing Board (Deputy CEO) Hartwig Löger
Management Board Member (CFRO) Liane Hirner
Management Board Member Peter Höfinger
Management Board Member (COO) Gerhard Lahner
Management Board Member (CIO) Gábor Lehel
Management Board Member Harald Riener
Management Board Member (CTO) Peter Thirring

Supervisory Board of the media owner:
Günter Geyer (Chairman)
Rudolf Ertl (First Deputy Chairman)
Georg Riedl (Second Deputy Chairman)
Martina Dobringer
Zsuzsanna Eifert
Gerhard Fabisch
Robert Lasshofer
Peter Mihók
Heinz Öhler
Gabriele Semmelrock-Werzer
Katarina Slezáková
Gertrude Tumpel-Gugerell

About 70% of the shares of the VIG are held by Wiener Städtische Wechselseitiger Versicherungs­verein – Vermögensverwaltung – Vienna Insurance Group, Schotten­ring 30, 1010 Vienna, Austria, registered with the Commercial Court of Vienna under the number FN 101530i. About 30% of the shares are in free float.

Contact details:
Tom Færøvik (General Manager Nordic Region / Branch Manager)
Telephone: +45 72 19 64 08
Email: tom.faerovik(at)vig.com

Michael Lindbo (Nordic Property and Construction Manager)
Telephone: +45 72 19 64 08
Email: michael.lindbo(at)vig.com

Terms of use & data protection

Information

The purpose of this website is to communicate information about the company, its services and products, as well as to provide related information. This website is NOT ADDRESSED TO CONSUMERS.

This information is not an offer in the legal sense.

Disclaimer

The information on this website has been carefully prepared and is constantly updated. VIG shall not assume any liability for correctness, completeness and topicality. VIG endeavors to make the website available at all times, however, no liability will be assumed in case this website is entirely or partially unavailable for a certain period of time. The information contained on this website does not constitute any legal, investment or other advisory.

VIG shall, in no case, be held liable for direct or indirect damages or consequential damages, which are incurred as a result of using information or material from the VIG website, or through access via links to other websites.

VIG shall not assume any liability for information, software or other material that is accessible through the website being free from viruses or other harmful components.

Data security on the Internet

The World Wide Web is a publicly available system. Each time personal information are voluntarily disclosed online, this is done at your own risk. Your data can be lost on the way or get into the hands of unauthorized persons. 

Data protection

Data protection has a high priority at VIG and personal data is treated with absolute confidentiality. If VIG should obtain data via the website, this shall only be used for the purposes intended by the user and not be further disclosed to third parties.

Phishing 

Phishing attacks use fake e-mails and websites in an attempt to obtain your personal data, such as passwords or other sensitive information. We will never send you an e-mail or text message requesting highly confidential personal data – such as your bank details, credit card number or password – under false pretences (e.g. expiry of an insurance policy). Further information about phishing e-mails and how you can protect yourself can be found, for instance, at help.gv.at  (German only). 

Hyperlinks

By using the hyperlinks on the VIG website, it is possible to visit other websites not operated by VIG. Such websites contain information from independent third parties that could be useful and interesting to our website’s visitors. Please note that the respective operators of these websites are solely responsible for their design and contents. VIG assumes no liability whatsoever for such website operators or the information provided by them.

Technologies used

The website of Vienna Insurance Group uses a variety of technologies to provide you with the greatest possible convenience and up-to-date information. 
For more information on cookies that we use on our website based on your consent, please refer to the chapter Cookies.

Use of JavaScript 

JavaScript programs are simple programs that are downloaded from a server to be executed in your browser, and allow us to make using our site easier. For example, we use JavaScript to improve the display options for our website, for navigation between individual pages, and to simplify entering information into contact forms. 

You can prevent the use of JavaScript by adjusting your browser settings accordingly. This will considerably limit the functionality of our website that is available to you. 

No other forms of active content (Java applets and ActiveX controls) are used on our website. 

Copyright

The structure and content of this website are protected by copyright. The use of text – or image material – is only permitted with the consent of VIG, as long as nothing different is explicitly specified. If links have been inserted to a website or sub-site of the VIG website, the website/sub-site of the VIG website must be the sole component of the browser window.
 

Cookies

What are cookies? 

Cookies are small text files saved on your device by websites that you visit. These files contain information about the user and the website. Cookies have various purposes. The most frequent use is to recognise you when you return to a particular website, although webshop shopping baskets also use cookies.*

The permissibility of cookies is regulated by section 96(3) of the Austrian Telekommunikationsgesetz (Telecommunications Act) 2003.*
(*Source: www.argedaten.at)

Why do we use cookies? 

In order to provide attractive, personalised services and make improvements to our website, we collect and store information on the way in which you use our site. For example, we use cookies to analyse the behaviour of visitors to our website, in order to personalise individual pages and to ensure that registered users remain logged in during their visit. We do this by means of small text files – cookies – which are saved on your device. These cookies are totally secure and do not contain any sensitive information.

Cookie Management - CommandersAct 

We use the "CommandersAct Consent Management Platform" to obtain, manage and document cookie consents. The operator of this platform is "Fjord Technologies" in France.

To change your cookie settings, please click on this link: Cookie Settings

What types of cookies does the Vienna Insurance Group use?

Subsequently, you will find more information about the cookies used, including the purpose of use, name and retention period.

Essential cookies:

These cookies are necessary to safeguard the basic technological functions of this website, so they cannot be deactivated. If you would still like to deactivate these cookies, you must also change your browser settings. However, if you do this, we cannot guarantee that the website will function properly.

  • Fonts.net Webfont: This service is used to display additional fonts correctly on the website.
  • CommandersAct:
    • Name: TC_PRIVACY_CENTER, TC_PRIVACY, TCPID; purpose: CommandersAct functionality; retention period: 12 months

Functional cookies: 

These cookies are necessary if you want to make full use of the functionality of the website. For instance, such cookies allow you to watch video content on our website 

Analytical and targeting cookies:

We use these kinds of cookies to collect useful information on how visitors use our website. This enables us to constantly improve the site and to display tailored offers and content.

  • This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. In case of activation of the IP anonymization, Google will truncate/anonymize the last octet of the IP address for Member States of the European Union as well as for other parties to the Agreement on the European Economic Area. Only in exceptional cases, the full IP address is sent to and shortened by Google servers in the USA. On behalf of the website provider Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage to the website provider. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser. However, please note that if you do this, you may not be able to use the full functionality of this website. Furthermore you can prevent Google’s collection and use of data (cookies and IP address) by downloading and installing the browser plug-in available under https://tools.google.com/dlpage/gaoptout?hl=en-GB.

    Further information can be found in the Google Analytics Terms of Service & Privacy.

    Please note that on this website, Google Analytics code is supplemented by “gat._anonymizeIp();” to ensure an anonymized collection of IP addresses (so called IP-masking).

    * Source: www.datenschutzbeauftragter-info.de)

Consent to data transferral and use by Google 

By using our services, you consent to the processing of data about you by Google in the manner and for the purposes set out here. Please note that Google has its own privacy policy that is independent of ours. We do not assume any responsibility or liability for Google’s policy or processes. Please familiarise yourself with Google’s privacy policy before you use our website. 

Google Inc.’s relevant privacy policy can be found here: https://policies.google.com/privacy?hl=engb   

In addition, we give you the option to adjust your settings for the use of cookies and personalised content.

What advantages do cookies deliver for you? 

Cookies can be very useful for you, because they increase user friendliness if you visit a particular site several times. If you use the same device and browser for multiple visits to a particular website, the site can adapt the content in line with your interests and requirements.

What happens if you do not accept cookies? 

If you reject cookies, this influences the functionality of our website. This can mean that you are unable to use some functions and services. The browsers on PCs, smartphones and other web-enabled devices are usually configured to accept cookies. If you do not wish to use cookies on our or another website, you can change your browser settings. To do this, you should use your browser’s help function. For further information on the use of cookies, visit http://www.argedaten.at/php/cms_monitor.php?q=PUB-TEXT-ARGEDATEN&s=51778ngg (German only).

Contact 

We will gladly answer any questions you might have. Please call the following telephone number: +43 (0) 50 390 22000.

Data Protection Officer

Thomas Riegler
Schottenring 30
1010 Vienna
Austria
datenschutz(at)vig.com


Juridisk meddelelse

Oplysninger I overensstemmelse med §5 i den østrigske lov om e-handel.
Generelle oplysninger i henhold til § 24 i den østrigske medielov (Mediengesetz)
Offentliggørelse i overensstemmelse med § 25 i den østrigske medielov
Offentliggørelse i overensstemmelse med § 14 i den østrigske handelslov (UGB)

Dette websted er underlagt østrigsk lovgivning. Medmindre andet er aftalt skriftligt, reguleres alle juridiske forhold af østrigsk lov (undtagen reglerne om lovkonflikt og UNCITRAL-reglerne).

Dette websted er ikke adresseret til forbrugere som defineret i EU-direktiv 93/12 / EØF af 5. april 1993 om urimelige vilkår i forbrugeraftaler med ændringer.

Ejer af webstedet, medieejer og udgiver:

VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppe

  • Et aktieselskab med registreret adresse Schottenring 30, 1010 Wien, registreret ved handelsretten i Wien under FN 75687 f
  • Adresse: Schottenring 30, P.O. Boks 80, A-1011 Wien, Østrig
  • Telefon: +43 (0) 50 390-22000
  • E-mail: Info(at)vig.com
  • Redaktionsafdeling: Barbara Grötschnig, Wolfgang Haas, Nina Higatzberger, Petra Ringler, Barbara Hohl, Verena Schobesberger.
  • Redaktionens adresse : Schottenring 30, 1010 Wien, Østrig
  • Website adresse: FCB NEUWIEN, Werbeagentur GmbH., Mariahilferstraße 17, 1060 Wien, Østrig
  • Momsnr .: ATU 36837900
  • Identifikation af juridisk enhed (LEI-kode): 549300JCRU23I1THU176
  • Tilsynsmyndighed: Austrian Financial Market Authority, Otto Wagner Platz 5, 1090 Wien, Østriga

Medlem af det østrigske handelskammer og de provinsielle kamre i alle østrigske provinser samt den østrigske forsikringsforening (VVO)

VIENNA INSURANCE GROUP AG WIENER VERSICHERUNG GRUPPE – Branch Denmark

  • Adresse: Sank Annæ Plads 13, 1250 Copenhagen, Denmark
  • CVR: 40 83 46 05
  • General Manager: Tom Færøvik
    Telefon: +45 72 19 64 08
    Email: tom.faerovik@vig.com
  • Tilsynsmyndighed: Finanstilsynet, Århusgade 110, 2100 København Ø


Betingelser og vilkår for brug, der gælder for brugen af al information eller dokumenter på VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppes hjemmeside, er beskrevet nedenfor under "Brugsbetingelser". Venligst læs dette afsnit omhyggeligt.

Grundlæggende formål med mediet
Formålet med webstedet til VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppe (VIG) er at give information om virksomheden, dets tjenester og produkter og relateret information. Disse oplysninger udgør ikke et tilbud i juridisk forstand.

DENNE WEBSIDE ER IKKE ADRESSERET TIL FORBRUGERE. 

Medieejers mål
Virksomheden har det strategiske lederskab og overtager koncernens centrale servicefunktioner inklusive infrastruktur. Endvidere driver virksomheden ansvarsforretningen, samt løsøre og bygningsforretningen (forsikring af ejendomsskader, og forsikring af økonomisk tab) samt reassurance i de afdelinger, som er godkendt af Austrian Financial Market Authority. 

Såfremt det direkte vedrører forsikringsvirksomheden, skal selskabets virksomhed være:
a) erhverve interesser i andre virksomheder
b) Fungere som forsikringsformidler
c) Rådgive omkring forsikringer
d) at fungere som formidler for realkreditlån og personlige lån og til erhvervelse og afhændelse af værdipapirer, forudsat at disse aktiviteter er knyttet til forsikringsbranchen
e) at fungere som formidler for personlige lån og opsparingskontrakter
f) levering af automatiseret databehandling og informationsteknologitjenester
g) oprettelse og ledelse af organisatoriske institutioner for virksomheder, hvor virksomheden har en interesse, eller som der er indgået en samarbejdsaftale med.
h) udførelse af administrative opgaver for virksomheder, hvor virksomheden har en interesse, eller der er indgået en samarbejdsaftale med.
i) drift af private medicinske faciliteter i form af virksomheds poliklinikker, der leverer medicinsk behandling til selskabets ansatte.

Ledelse for medieejer:
Formand Elisabeth Stadler
Bestyrelsesmedlem Hartwig Löger
Bestyrelsesmedlem Liane Hirner
Bestyrelsesmedlem Peter Höfinger
Bestyrelsesmedlem Gerhard Lahner
Bestyrelsesmedlem Gábor Lehel
Bestyrelsesmedlem Harald Riener
Bestyrelsesmedlem Peter Thirring

Bestyrelse for medieejer:
Günter Geyer (Formand)
Rudolf Ertl (Første næstformand)
Georg Riedl (Anden næstformand)
Martina Dobringer
Zsuzsanna Eifert
Gerhard Fabisch
Robert Lasshofer
Peter Mihók
Heinz Öhler 
Gabriele Semmelrock-Werzer
Katarina Slezáková
Gertrude Tumpel-Gugerell

Cirka 70% af aktierne i VIG ejes af Wiener Städtische Wechselseitger Versicherungsverein - Vermögensverwaltung – Vienna Insurance Group, Schottenring 30, 1010 Wien, Østrig, der er registreret ved handelsretten i Wien under nummeret FN 101530i. Cirka 30% af aktierne handles frit.

Kontaktoplysninger:

Tom Færøvik (General Manager Nordic Region / Branch Manager)
Telefon: +45 72 19 64 08
Email: tom.faerovik@vig.com

Michael Lindbo (Nordic Property and Construction Manager)
Telefon: +45 72 19 64 08
Email: michael.lindbo@vig.com

Betingelser for brug

Brugervilkår

Formålet med dette websted er at formidle information om virksomheden, dets tjenester og produkter samt at give relateret information. Denne webside er IKKE ADRESSERET TIL FORBRUGERE.
Disse oplysninger er ikke et tilbud i juridisk forstand.

Ansvarsfraskrivelse
Oplysningerne på dette websted er udarbejdet omhyggeligt og opdateres løbende. 
VIG påtager sig intet ansvar for korrekthed, fuldstændighed og aktualitet. 
VIG bestræber sig på at gøre webstedet tilgængeligt på alle tidspunkter, men der påtages intet ansvar i tilfælde af, at dette websted er helt eller delvist utilgængeligt i en bestemt periode. Oplysningerne på dette websted udgør ikke nogen juridisk investering eller anden rådgivning.
VIG er under ingen omstændigheder ansvarlig for direkte eller indirekte skader eller følgeskader, der opstår som et resultat fra brug af information eller materiale fra VIGs websted, eller gennem adgang via links til andre websteder.
VIG påtager sig intet ansvar for information, software eller andet materiale, der er tilgængeligt via hjemmesiden, der er fri for virus eller andre skadelige komponenter.

Hyperlinks
Det er muligt at besøge andre websteder, som ikke drives af VIG, via link, der findes på VIGs websted. Sådanne websteder indeholder oplysninger, der stammer fra uafhængige tredjeparter, og kan være nyttige og interessante for brugere af dette websted. 
Det påpeges, at den respektive udbyder alene er ansvarlig for indholdet og designet af de respektive websteder. VIG påtager sig intet ansvar for sådanne leverandører og de oplysninger, de leverer.

Datasikkerhed på Internettet
Internettet er et offentligt sted. Hver gang personlige oplysninger offentliggøres frivilligt online, gøres dette på din egen risiko. Dine data kan gå tabt under transport eller ende i hænderne på uautoriserede personer. I sådanne tilfælde er VIG på ingen måder ansvarlig.

Data beskyttelse
Databeskyttelse har en høj prioritet hos VIG, og personoplysninger behandles med absolut fortrolighed. Hvis VIG skulle indhente data via hjemmesiden, skal dette kun bruges til de formål, som brugeren har til hensigt, og ikke blive videregivet til tredjepart.

Vi besvarer gerne dine spørgsmål. Ring venligst til følgende telefonnummer: +43 (0) 50 390 22000.

Data Protection Officer
Thomas Riegler
Schottenring 30
1010 Vienna
Austria
datenschutz(at)vig.com

Brug af Google Analytics*
Dette websted bruger Google Analytics, en webanalysetjeneste leveret af Google, Inc. ("Google"). Google Analytics bruger "cookies", som er tekstfiler, der er placeret på din computer, til at hjælpe webstedet med at analysere, hvordan brugere bruger webstedet. Oplysningerne, der genereres af cookien om din brug af webstedet (inklusive din IP-adresse), overføres til og gemmes af Google på servere i USA. I tilfælde af aktivering af IP-anonymisering vil Google afkorte / anonymisere den sidste octet af IP-adressen for EU's medlemsstater såvel som for andre parter i aftalen om Det Europæiske Økonomiske Samarbejdsområde. Kun undtagelsesvis sendes den fulde IP-adresse til og forkortes af Google-servere i USA. På vegne af webstedsudbyderen vil Google bruge disse oplysninger med det formål at evaluere din brug af webstedet, udarbejde rapporter om webstedsaktivitet for webstedsoperatører og levere andre tjenester, der vedrører webstedsaktivitet og internetbrug til webstedsudbyderen. Google knytter ikke din IP-adresse til andre data, som Google har. Ved at bruge dette websted accepterer du behandling af data om dig af Google på den måde, der er beskrevet ovenfor og til de angivne formål.
Du kan nægte at bruge cookies ved at vælge de relevante indstillinger i din browser. Bemærk dog, at hvis du gør dette, kan du muligvis ikke bruge den fulde funktionalitet på dette websted. Desuden kan du forhindre Googles indsamling og brug af data (cookies og IP-adresse) ved at downloade og installere en browser-plug-in via https://tools.google.com/dlpage/gaoptout?hl=en-GB.

Yderligere oplysninger kan findes under http://www.google.com/intl/en_uk/analytics/tos.html (Google Analytics servicevilkår og privatliv). Bemærk, at på dette websted er Google Analytics-kode suppleret med "gat._anonymizeIp ();" at sikre en anonymiseret samling af IP-adresser (såkaldt IP-maskering).

(* kilde: www.datenschutzbeauftragter-info.de)

Ophavsret
Strukturen og indholdet af dette websted er beskyttet af ophavsret. Brug af tekst - eller billedmateriale - er kun tilladt med samtykke fra VIG, så længe intet andet er udtrykkeligt angivet. Hvis der er indsat links til et websted eller underside på VIG-webstedet, skal webstedet / undersiden til VIG-webstedet være den eneste komponent i browservinduet.