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Terms of Use

We, the DR-WALTER Unternehmensgruppe (short: DR-WALTER), are pleased that you are interested in our company and our websites. DR-WALTER is the expert for the insurance of private and business trips and stays abroad. For more than 50 years, we are a reliable partner, whether for au pairs, expatriates, tourists or aid workers.

Before you move on to our sites, we recommend you to familiarize yourself with the terms of use of our websites.

Please read before you use these websites

Operator of these websites

The websites are owned and operated by DR-WALTER Unternehmensgruppe (DR-WALTER). By using thes websites you agree to these Terms of Use including our privacy policy. If you do not agree to these Terms, do not use the websites.

Liability for contents

While DR-WALTER endeavors to ensure that all content on our websites is correct at the time of publication, no responsibility is accepted by or on behalf of DR-WALTER for any errors, omissions or outdated content on the websites.

Unless explicitly agreed otherwise on the websites, DR-WALTER accepts no liability for the content or use of websites or messages sent or received by such sites.

Trademark notice

All existing and future copyright, trademark and other intellectual property rights in connection with the websites are owned by DR-WALTER and the respective licensors. You are only granted the limited right to use the websites in accordance with these terms.

Copyright notice

All existing and future copyright, trademark and other intellectual property rights in connection with the websites are owned by DR-WALTER and the respective licensors. You are only granted the limited right to use the websites in accordance with these terms.

Commercial use of the websites

Printing and downloading information and content from the websites is only allowed for non-commercial use. Without the written permission by DR-WALTER, it is not allowed to use parts of the websites on other websites, neither through hyperlinks nor by using frames or otherwise.

Modifications of the websites

DR-WALTER reserves the right to improve, modify, alter, discontinue or permanently stop the websites or parts thereof and to restrict or prohibit access to the websites at any time without prior notice.

Data Protection

All information received by us is treated confidentially and processed and stored in accordance with data protection law. We use and store information provided by our customers and containing personal data (names, addresses or other information about living people) to provide general insurance and other services to such customers assuming that the respective persons were informed about the reason(s) for the collection of these data and their possible forwarding to third parties, e.g. insurance companies. In the framework of the provision of services for our customers, information can also be used to inform our customers on products and services, if they have given their explicit consent.

More information about Data Protection

Claims for compensation

You hereby agree to indemnify DR-WALTER against any and all costs, claims, losses and damages (including legal expenses and court costs) which we may suffer as a result of misuse of the websites or violation of these terms by you or which are made against us for any of the above reasons.

Liability for links

This Websites contain links to other websites which are not under the control of DR-WALTER. We assume no liability whatsoever for the correctness of the contents of such websites or the security of any activities carried out on other websites. DR-WALTER has no liability whatsoever for the contents of such websites. The use of such websites is at your own risk.

Use of Cookies

What is a cookie?
A cookie is a small text file that is stored on your computer or device when you visit a website. It typically contains data about visited websites which your browser saves while surfing the internet. Cookies are used to avoid that users have to login again when repeatedly visiting an encrypted page – the cookie tells your computer that you have already visited this site. This way, cookies optimize your internet experience. Cookies also store user data about visited websites and the duration of the visit, thereby enabling us to continuously improve our online service.


What types of cookies are there?
There are two different types of cookies. Session cookies are deleted when you close your browser. Temporary/permanent cookies are stored for a certain period of time (expiry date) or for an unlimited time on your computer until you delete them.


What type of cookies does DR-WALTER use?
We use cookies necessary for you to use our website and its functions. Without these cookies, it is possible that you will not be able to use all the functions of our website.
Performance cookies collect information about how you use our website e.g. which pages you visit, and if you experience any errors. These cookies don’t collect any information that could identify you – all the information collected is anonymous and is only used to help us improve the performance of our website and your user experience.
Functionality cookies record information about data you provided (e. g. user names, language selection or your location) to offer you improved and tailored functions. The information collected by these cookies is also anonymous; they cannot trace your use of other websites.
We use ‘marketing cookies’ to collect information about your browsing habits in order to make advertising relevant to you and your interests. They are also used to limit the frequency of an ad.


Which data is stored in the cookies?
The cookies used do not store any information that is personal in nature. The information they collect is completely anonymous and cannot be linked to any one individual. When activated, the cookie is assigned an identification number. Assigning your personal data to this identification number is neither possible nor carried out. Your name, your IP address or similar data that would make it possible to assign the cookie to you, will not be stored at any time. Through the use of cookies, we only receive pseudonymized information, e. g. about our most frequented product information pages.

How to deactivate cookies?
On the websites listed below, the providers of the five largest internet browsers (Internet Explorer, Mozilla Firefox, Google Chrome, Opera, Apple Safari) explain how to accept or deactivate cookies:

Internet Explorer
https://windows.microsoft.com/en-GB/internet-explorer/delete-manage-cookies#ie=ie-11

Mozilla Firefox
https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences

Google Chrome
https://support.google.com/chrome/answer/95647?hl=en

Opera
https://help.opera.com/en

Apple Safari
https://support.apple.com/kb/PH19214?viewlocale=en_US&locale=de_DE

Use of Facebook plugins (‘Like’ button)

Our pages integrate plugins of the social network Facebook (Facebook Inc., 1601 Willow Road, Menlo Park, California, 94025, United States). The Facebook plugins are characterized by the Facebook logo or the “Like-Button” (“Like”) on our side. You can find an overview of Facebook-plugins here: https://developers.facebook.com/docs/plugins/.

When you visit our site, the plugin connects your browser to the Facebook server. This tells Facebook that your IP address has visited our site. If you click the Facebook “Like” button while you’re logged into a Facebook account, you can link the content of our pages to your Facebook profile. This allows Facebook to associate your user account to your page visit. Please note that as the provider of this website, we receive no information from Facebook regarding the contents of the transmitted data or its use. More information can be found in Facebook’s Data Policy at https://www.facebook.com/policy.php.

Use of Google Analytics

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 will be transmitted to and stored by Google on servers in the United States. The Google tracking codes of this website use the “_anonymizeIP()” function, whereby your IP address is shortened within member states of the European Union or in other states which are party to the agreement on the European Economic Area in order to anonymize IP addresses.
Only in exceptional cases is the complete IP address transferred to a Google server in the USA and shortened there. Google will use this information on behalf of the operator of this website to evaluate your use of the website, to compile reports on website activities, and to render further services for the website operator related to website and internet use. The IP address transmitted from your browser as part of Google Analytics will not be combined with other data from Google.
You can prevent cookies from being saved by setting your browser software accordingly; however, we would like to point out that in this case it is possible that you will not be able to use all the functions of this website.
In addition, this website uses the Google Analytics reports on demographic characteristics which use data from interest-related advertising on Google as well as user data from third-party providers (such as age, gender and interests). The data cannot be traced back to any individual visitor and its collection can be deactivated at any time in your browser settings.
You may refuse the data collection and storage at any time with effect for the future. The following Google browser plug-in can be used to block the use of Google Analytics in your browser: https://tools.google.com/dlpage/gaoptout?hl=en.

Use of Remarketing

Google Remarketing
Our website uses the Remarketing or “Similar target groups” function of Google. Third-party providers, including Google, place interest-based ads on websites (within the Google Display Network) and, for this purpose, use information from a user’s prior visits to this website based on cookies. Cookies are small pieces of information that a website stores on your computer and that contain no personal information. You can deactivate cookies used by Google for advertising purposes at any time through Google's Ads Preferences Manager or through the opt-out page of the Network Advertising Initiative.

You can also configure your browser so that it automatically notifies you as soon as a web server tries to send you a cookie. You can then decide whether to accept or reject the cookie. You can also disable cookies altogether. For more information on cookies, please refer to our Privacy Policy.

Use of Conversion Tracking

Use of Facebook Conversion Tracking
This website uses the “Custom Audience Pixel” of Facebook Inc., 1601 S. California Ave, Palo Alto, CA 94304, USA (“Facebook”). This pixel is used to track user behavior after a user saw a or clicked on a Facebook ad. This allows to measure the effectiveness of Facebook ads for statistical and market research purposes. The collected data is anonymous and contains no personal information of individual users. Facebook does, however, process and store this data. Facebook can link this data to your Facebook account and use it for its own advertising purposes in accordance with Facebook’s data policy.

You can enable Facebook and its partners to place ads on Facebook and other pages. For this purpose, a cookie might be stored on your computer.

Use of Google Adwords Conversion Tracking
This website uses the online advertising program “Google AdWords” and, within Google AdWords, conversion tracking. Google Conversion Tracking is an analysis service of Google Inc. (1600 Amphitheatre Parkway, Mountain View, CA 94043, USA; “Google”). If you click on an ad placed by Google, a conversion tracking cookie will be stored on your computer. These cookies will be valid for 30 days, contain no personal data and are therefore not used for personal identification.
If you visit certain parts of our website and if the cookie is still valid, both Google and ourselves can detect that you clicked on the ad and have been forwarded to this site. Every Google AdWords customer receives a different cookie. This way, it is not possible to track cookies through the websites of AdWords customers.
The information collected by the conversion cookie is used to produce conversion statistics for AdWords customers who have decided to use conversion tracking. These statistics show customers how many users clicked on their ad and have been forwarded to a site fitted with a conversion tracking tag.  They do not, however, receive any information that can be used to identify individual users.
If you don’t want to take part in tracking, you can rejects its use at any time by preventing your browser to install the respective cookies (for information on how to deactivate cookies, see detailed information on cookies). As a result, you will not be taken into account in the conversion tracking statistics. For more information and for Google’s Privacy Policy, go to: https://www.google.com/policies/technologies/ads/http://www.google.de/policies/privacy/.

Bing Conversion Tracking
This website also uses Microsoft’s tracking service. For this purpose, Microsoft Bing Ads stores a cookie on your computer when you have been forwarded to our website through a Microsoft Bing ad. This way, Microsoft Bing and ourselves can detect that someone clicked on an ad, was forwarded to our website and, as a result, has reached a previously determined target site (conversion site). These statistics show us the total number of users who clicked on a Bing ad and, as a result, have been forwarded to the conversion site. No personal information about the user’s identity will be disclosed. If you don’t want to take part in the tracking process, you can reject the required storing of cookies – e. g. in your browser settings by deactivating the automatic storing of cookies. For more information on data protection and the cookies used by Microsoft Bing, go to the Microsoft website (https://privacy.microsoft.com/de-de/privacystatement/).

Phishing

We will not send emails to you asking you for details like passwords to log in to our website. Neither will we send you emails with untrustworthy content (e.g. end of insurance cover), asking you to provide sensitive personal information.

Use of JavaScript

JavaScript programs are simple programs downloaded from the server to be used in the browser which allow us to make the handling of our sites easier. We use programs such as JavaScript to improve the visual appeal of the site, to navigate between individual pages and to make it easier for you to use our contact forms.
You can disable the use of JavaScript in your browser settings. In this case, however, you can only access a very limited version of our website.  

Measures for access protection

Our data processing systems are protected by a firewall. Internal applications can only be accessed by authorized users through special login procedures and authorization systems.  

Newsletter

If you have subscribed for a newsletter of DR-WALTER, the company emarsys eMarketing Systems AG uses the data you entered in your subscription to send you the requested newsletter(s). Your data will not be forwarded to third parties. The exception to this is our service partners which need the data for handling the data transfer. In these cases, the scope of the transmitted data is limited to the necessary minimum. Our data protection provisions are in accordance with the Federal Data Protection Act (BDSG), the General Data Protection Regulation (EU GDPR) and the German Telemedia Act (TMG).

Newsletter unsubscription

If you wish to unsubscribe from our newsletter(s), please click on the ‘unsubscribe’ link that can be found in all emails send by emarsys eMarketing Systems AG.

Complaints about services and products

The Complaints Management of DR-WALTER follows the Report on Best Practices by Insurance Untertakings in handling complaints of the EIOPA (European Insurance and Occupational Pensions Authority).

In case of a complaint, you can contact our respective department, our Complaints Management (karnstedt-panienka(at)dr-walter.com).

Free use of services

Unless otherwise stated, the websites are provided free of charge and without any warranties or guarantees.

Change of terms of use

DR-WALTER reserves the right to change these Terms of Use at any time. Your continued use of the websites will be deemed acceptance of the updated or amended terms.

Place of jurisdiction

These Terms of Use as well as the content of the websites are subject to German Law and jurisdiction lies exclusively with German courts.

Further information

Should you have any questions concerning these Terms of Use, please contact:

DR-WALTER GmbH
Eisenerzstraße 34
53819 Neunkirchen-Seelscheid
Germany
T +49 (0) 2247 9194 -0
F +49 (0) 2247 9194 -40
info(at)dr-walter.com

*History:
version 1 of 23 April 2013;
version 2 of 4 May 2016;
version 3 of 14 May 2018.

Customer service:
T +49 2247 9194-0
Call-back service
info(at)dr-walter.com

© Copyright DR-WALTER GmbH 2018.
All rights reserved.
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