As a result of the rapidly developing digitalisation of our world, the issue of data protection has a high priority at Baloise. Your personal data is handled in the strictest confidence and in accordance with current data protection legislation. In close cooperation with our hosting providers, we strive to achieve a high level of protection in order to secure your data against unauthorised access, loss or misuse.
Your data is only used for a purpose that is either indicated when the data is collected, is readily apparent from the context, or is legally required. We oblige our employees to maintain confidentiality, comply with data protection law and – in the case of banking services – maintain banking secrecy.
Personal data is information by means of which a person can be identified. Examples of such data include name, email address or telephone number. Data about personal preferences, such as hobbies or affiliations, as well as preferences regarding other websites, is also considered to be personal data.
Personal data is only recorded, used and shared by us if this is legally permitted or if you give your consent to the relevant data processing.
Baloise records data about access to the website, in the form of server log files. This access data includes:
- Name of the website that is called
- Date and time of the call
- Volume of data transferred
- Notification of successful call
- Browser type and version
- User's operating system
- Referrer URL (the website the user came from)
- IP address and the requesting provider.
Baloise only uses the log data for statistical evaluations for the purpose of ensuring the operation, security and optimisation of the website offer. However, Baloise reserves the right to check the log data at a later date if there is a reasonable suspicion of unlawful use.
When contacting us (for example via a contact form or email), your details will be recorded for the purpose of processing the request as well as in the event that further questions arise.
If you no longer wish to receive our newsletters, you can unsubscribe from them at any time via the link provided in the respective newsletter.
You can administer numerous online ad cookies from companies via the EU page http://www.youronlinechoices.com/uk/your-ad-choices/ and the US page http://www.aboutads.info/choices/.
Our website content consists to some extent of third party content, such as videos from YouTube, maps from Google Maps, RSS feeds or graphics from other websites. This requires that the providers of such content (hereinafter referred to as “Third-Party Providers”) can detect your IP address. Without this IP address, the Third-Party Providers cannot send the content to your browser. The IP address is therefore required in order to enable the display of this content. We make every effort to use content from providers that use the IP address only for the delivery of such content. However, we cannot influence whether or not Third-Party Providers use the IP address for statistical purposes, for example. We inform users if we are aware of any such usage.
This website uses Google Analytics, a web analytics service provided by Google, Inc., which is based in Mountain View, California, USA (“Google”).
Google Analytics uses so-called cookies, which are text files that are stored on your computer and allow analysis of your use of the website. The information about the use of this website that is generated by the cookie is usually transferred to a Google server in the USA and stored there. Your IP address will also be transferred, but it will be anonymised at Google before it is saved, so that it can no longer be linked to you. Google uses the _anonymizeIp() method for this.
The following data about the use of our website may be stored and analysed anonymously and exclusively for statistical purposes:
- the pages visited and their sequence of use,
- the operating system and browser used,
- the date and time of the page views,
- the address of the website visited directly beforehand, if your visit has been made via a direct link to us from there and
- information about the origin.
Google may extend this list and transfer information to third parties if required by law or to the extent that third parties process the data on behalf of Google.
This website uses the following advertising technologies: Google AdWords Conversion Tracking and Google Remarketing from Google
Social media cookies give us the opportunity to connect to your social networks and share content from our sites via social networking channels. Advertising cookies (third-party providers) collect information that helps better adapt advertising to your interests. In some cases, the use of these cookies involves the processing of your personal data. If you block these cookies, you may be shown ads that are not relevant to you, or you may not be able to create a connection to Facebook, Twitter or other social networks, or share content on social networks.
If you want a comprehensive and up-to-date overview of all third-party access to your internet browser, we recommend that you install a browser plugin created for this purpose. You can also configure your computer to issue a warning whenever a cookie is sent. Alternatively, you can also disable all cookies. For this, you can change the browser settings in any browser you use and on any device you use. Each browser has small differences. You can look in the Help menu in your browser to find out how to change your cookie settings. If you disable cookies, the result may be that you do not have access to numerous applications that make the pages and apps more efficient, and some of our services may no longer work for you.
Our pages have remarketing tags from the social media network Facebook, 1601 South California Avenue, Palo Alto, CA 94304, USA, integrated into them. When you visit our pages, the remarketing tags establish a direct connection between your browser and the Facebook server. Facebook is thereby informed that you, and your IP address, have visited our website. This allows Facebook to associate the visit to our pages with your user account. The information obtained in this way can be used by us to display Facebook Ads. We would like to point out here that we do not receive any details of the content of the data that is transmitted, or its use by Facebook. Further information about this is available in Facebook's data protection declaration, at https://www.facebook.com/about/privacy/. If you do not want to have data collected via Custom Audience, you can deactivate Custom Audience here.
Buttons for the Twitter service are integrated into our pages. The buttons are provided by Twitter Inc., 795 Folsom St., Suite 600, San Francisco, CA 94107, USA. They are recognisable by the use of terms such as “Twitter” or “Follow”, accompanied by a blue bird symbol. These buttons can be used to share a post or page on Twitter or to follow us on Twitter.
Pressing these buttons results in your browser establishing a direct connection with the Twitter servers. The content of the Twitter buttons is sent directly from Twitter to your browser. We would like to point out here that we do not receive any details of the content of the data that is transmitted, or its use by Twitter.
Further information about this is available in Twitter's data protection declaration, at http://twitter.com/privacy.
Social plugins are additional programs that are integrated into our website via a predefined interface and extend its range of functions.
We use plugins from the following social media networks:
Facebook Inc., 1601 S. California Ave, Palo Alto, CA 94304, USA (“Facebook”). The link to the Facebook data protection declaration is available here: Facebook data privacy statement
Google+, 1600 Amphitheatre Pkwy, Mountain View, CA 94043, USA, ("Google+"). The link to the Google+ data protection declaration is available here: Google data privacy statement
Twitter Inc., 795 Folsom St., Suite 600, San Francisco, CA 94107, USA (“Twitter”). The link to the Twitter data protection declaration is available here: Twitter data privacy statement
YouTube, which is run by Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States (“YouTube”). The link to the YouTube data protection declaration is available here: YouTube data privacy statement
Instagram, LLC Instagram Inc., 1601 Willow Road, Menlo Park, CA 94025, USA (“Instagram”). The link to the Instagram data protection declaration is available here: Instagram data privacy statement
By using this website, you agree to the processing of the data collected about you in the manner described as well as for the stated purposes.
You may at any time revoke consent to the collection and storage of data, with effect from that time:
If you want to deactivate Google Analytics, the relevant browser add-on is available at http://tools.google.com/dlpage/gaoptout?hl=de.
If you delete all the cookies in your browser, you must repeat the process for all technologies. Furthermore, you can completely stop the installation of the cookies by selecting the appropriate setting in your browser. However, we hereby point out that you may not be able to fully utilise all the functions of this website if you do this.
Please note that the internet is a global, open network. When you transmit data over the internet, you always do this at your own risk.
The personal data transmitted by you is protected using encryption mechanisms (Secure Socket Layer) that are compliant with the current security standard. Despite comprehensive technical and organisational security measures being taken, data may be lost or intercepted and/or manipulated by unauthorised persons. Baloise takes appropriate technical and organisational security measures to prevent such occurrences within the Baloise systems. Your computer, however, is outside the scope of the Baloise IT security measures. It is therefore your responsibility, as the user, to obtain information about the necessary security precautions and to take appropriate measures. Baloise is under no circumstances liable for any damage that may result from loss or manipulation of data.
Secure Socket Layer (SSL) is a protocol for enabling secure data transmission via the internet. Most browsers support this procedure. SSL uses the public key method, in which data encrypted using a publicly accessible key can only be decrypted using a specific private key. Most browsers use a key or padlock symbol to indicate whether the connection is secure or not secure.
This declaration on data protection applies to all Baloise websites. Our websites may contain links to other providers that do not fall under the scope of this data protection declaration.
Please contact our data protection officer if you have any questions concerning this data protection declaration, require further information, have suggestions, or would like to register a complaint. If you have questions regarding data security, please contact our IT security officer.
This is an official statement of BAloise Vie Luxembourg S.A. (BVL) in regard to the “Engagement Policy”, as required under the “Shareholder Rights Directive II” (SRD II)
Under SRD II (article 3g, 1(a) of SRD II) it is required that BVL develops an Engagement Policy in which it is described how engagement with relevant investee companies that are listed on a regulated market are facilitated into its investment strategies.
Alternatively, BVL is entitled to publicly disclose, on its website or by way of other means accessible online, a clear and reasoned explanation why it has elected not to do so (article 3g, 1 of SRD II).
BVL provides a wide range of life insurance products varying from classical life insurance products and pensions schemes to insurance-based unit-linked wealth planning solutions. Particularly the assets underlying a unit-linked life insurance policy are managed at the discretion of an appointed asset/investment manager, in accordance with the investment strategy/profile of each Policyholder. Due to such arrangement whereby the asset manager has sole discretion in regard to the relevant assets and their management, BVL is not involved in decisions relating to asset management per say, and therefore BVL does not monitor any of the listed investee companies on relevant matters such as company strategy, capital structure, corporate governance etc.
Due to the foregoing, BVL has elected not to develop an Engagement Policy. To summarise and highlight the reasons for not developing an Engagement Policy:
Investments in listed companies (shares) are performed via an independent and duly qualified investment service provider (Asset/Investment Manager), who is authorised to act on his own discretion, while following and respecting the investment strategy/profile of each individual Policyholder;
The exercise of the voting rights is generally not delegated to the Asset/Investment Manager, due to the passive nature of the investment strategies pursued by BVL;
Decision to attend a shareholders meeting or not is at the sole discretion of BVL. It is not part of BVL strategy to acquire any major shareholdings in its investee companies, nor to attend any shareholder meetings of its investee companies.