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CSS Insurance

Privacy Policy

In this privacy policy, the CSS Group explains how it uses the data left behind when you surf on our websites.

When you visit one of our websites (www.css.ch/ my.css.ch / blog.css.ch), and especially when you enter data about yourself in forms, you agree to your data being processed in the way described below.

General

Your data is processed in accordance with Swiss data protection law, except in cases in which it is subject to the data protection provisions of other companies, such as Facebook Inc., Google Inc., etc.

Recorded data

Data recorded automatically

When you visit our websites, CSS records, stores and uses general, non-personal data. The following data in particular is saved in log files when you access our websites:

  • IP address
  • General information on the operating system and browser
  • Date and time / length of visit
  • Browser query
  • General information on the operating system and browser
  • Any add-ons you use
  • The website that referred you to us
  • General information on your surfing behaviour, such as whether or not you click on advertising banners or download files


This data provides the basis for anonymous statistical analyses, is used to improve the websites, and may also be evaluated for marketing purposes. However, the following conditions apply where data is collected and analysed using cookies.

Data provided by you

Confidential personal data that you send to CSS via the forms on the website is transmitted in encrypted form using the latest technology and cannot be viewed by third parties. The data you enter via the internet is used for processing offers and, if applicable, for marketing purposes within CSS.

In particular, by entering your data in the premium calculator you grant permission for companies in the CSS Group to contact you by phone or other means in connection with the provision of your insurance quote.

However, we will pass on your data to a service partner contracted by us if third-party services are required to process an enquiry you submit by internet or phone, or to prepare your contract. In such cases, you authorise us to do so by providing us with your data. This partner is contracted by CSS and subject to the same data protection provisions as CSS itself.

Security

The data on our systems is protected against loss, misuse, fraud and unauthorised access. The security of our systems is under constant review, both internally and externally. CSS IT systems have been certified in accordance with ISO standard 27001:2013 since 1 July 2015. This international standard specifies the requirements for establishing, implementing, operating, monitoring, maintaining and improving an information security management system.

Active content

We use active content, including HTML/CSS, Java Script and Java. This is content on websites that is not run until a user is actually visiting the site. It expands the content of the static websites.

If you do not wish to see this active content, you can deactivate it via your browser. This may make it difficult or even impossible to use our sites, however.

Social plugins from third-party providers

Social plugins are functions and/or buttons for social media platforms that are integrated into the www.blog.css.ch website. CSS uses social plugins from Facebook, Twitter and Google. By activating these functions or pressing these buttons, you pass your data on to these external providers. The CSS data protection provisions thus no longer apply to the way your data is processed by these third parties. Detailed information about how platforms such as Facebook, Twitter and Google+ process your data can be found in the relevant data protection notices (Facebook, Twitter and Google).

Cookies and remarketing

Content from external providers is integrated into our websites to improve your surfing experience and for statistical, market research and advertising purposes. These external providers use cookies to manage their services. Cookies are therefore installed on your computer's hard drive when you visit our websites.

These are small units of information that the web browser stores locally on the user's computer. We need this content to allow you to use the website and to optimise the service we offer.

Although only anonymous data is collected and processed, you can still use our website without cookies by deactivating them in your browser. You can also set an opt-out cookie for each external provider.  However, if you do you will no longer be able to use certain functions, and you may experience restrictions in the use of our websites.

Detailed information about how third-party providers process your data can be found in the relevant data protection notices (Facebook; Twitter; Google; and Adobe Systems). The CSS data protection provisions do not apply to data processing by these external providers.  Please note that, as a website provider, we do not receive any information from these external providers about the content of the data that is transmitted, or its use. By using products such as Facebook, Twitter, etc., you have declared that you agree to their particular data protection provisions.

Overview

The following tools are used on the www.css.ch website:

  • Google Analytics
  • Adobe Analytics (Omniture)
  • Google Remarketing and Adwords
  • Facebook Remarketing
  • Newsletter
  • DoubleClick (Google)
  • Permaleads

The following tools are used on the my.css.ch website:

  • Adobe Analytics (Omniture)
  • Google Remarketing and Adwords
  • DoubleClick (Google)

The following tools are used on the blog.css.ch website:

  • Google Analytics
  • Google Remarketing and Adwords
  • Social Plugins
  • Facebook Remarketing

 

Google Analytics/ Adobe Analytics (Omniture)

To collect usage data automatically when you visit one of our websites, CSS uses the services of Google Analytics and Adobe Analytics (Omniture). In this way, CSS find out how its web service are being used, and learns about users' surfing behaviour. The information about your use of our website is collected using a cookie and then sent to Google and Adobe servers, where it is also stored.

Google Remarketing and Adwords

Google Remarketing analyses your surfing behaviour and, based on this, shows you personalised CSS advertising while you surf the internet, and use a mobile app or the Google search engine. Google Adwords analyses clicks on Google, and CSS pays on a per-click basis when users access a CSS advert or website.

Double Click (Google)

This website uses DoubleClick for Advertisers, a web analysis service offered by Google. DoubleClick optimises interaction with Google Adwords. It sets cookies when you view an advert or click on one of our banners on a partner website. This is done so that we can show you banners that are of interest to you. The cookie allows us to record certain data about interaction from your browser with certain on-screen content. It is also recorded whether you have viewed an advert, clicked on it, or entered into a contract with CSS on this basis. The data is registered and stored by the provider on an anonymous basis.

Permaleads

The online services at css.ch/unternehmen (corporate clients pages) use the permaleads.ch service to analyse user behaviour and to identify IP addresses for marketing purposes. The use of this service means that data on user behaviour (e.g. IP address, time of access, browser query, etc.) is set directly to the permaleads.ch server, and made available for the exclusive use of css.ch/unternehmen (corporate clients pages). The data that is collected is treated in the strictest confidence and is not passed on or otherwise made available to third parties.

Facebook Remarketing

The Remarketing Tags of the social network Facebook, 1601 South California Avenue, Palo Alto, CA 94304, USA, are integrated on in this website . When you visit this website a direct link is established between your browser and the Facebook server via the Remarketing Tags. By means of this Facebook will receive the information that you have visited this website with your IP address. With the help of this Facebook can assign your visit to this website to your user account. We can use the information received in this way for the placement of Facebook Ads. Please be aware that we as a provider do not obtain knowledge about the contents of the data transmitted and used by Facebook. You can find more information about the data policy on Facebook. In case you do not wish for data to be collected via Custom Audience, this is where you can deactivate Customer Audiences.

E-Mail

Normal e-mails that you send to CSS Insurance are not encrypted and may be viewed by third parties. CSS is not able to offer any guarantee of data security with regard to unencrypted e-mail exchanges, and CSS Insurance therefore offers no warranty and accepts no liability in this connection.

E-Mail newsletter

Newsletters are sent to our clients and prospective clients only if they specifically ask to receive them. By subscribing to the newsletter, the user agrees only that their e-mail address may be used to send out the e-letter.

Our marketing e-mails (newsletters, invitations, e-mail surveys, etc.) are managed and dispatched using the eMarketing Suite e-mail marketing solution from emarsys eMarketing Systems AG (Vienna).
Personal data that is collected along with the newsletter subscription is stored on the emarsys computers. Emarsys is subject to contractual confidentiality and data protection obligations. At emarsys, access to this data is restricted to members of the engineering team, the sole function of which is to maintain, monitor and manage the system.

With each newsletter, we offer the option of correcting, updating or removing the information that recipients have provided.
Readers can unsubscribe from the newsletter or from our advertising mails at any time.
Your e-mail address is used only to send out our own information. We do not pass your address on to third parties.

The way in which users click on hyperlinks in e-mails and on websites is recorded in anonymous form.

This means that no personal user profiles can be created.

CSS Insurance
Digitales Marketing MAI
Tribschenstrasse 21
P.O. Box 2568
6002 Lucerne
058 277 11 11
webmaster.info@css.ch

Updating the privacy policy

We reserve the right to amend this privacy policy at any time and bring it into line with any new data processing procedures. This privacy policy was last amended on 20 April 2018.