Privacy Policy
Karl is a product of Engimono GmbH. This company is responsible for protecting your data. Engimono GmbH naturally adheres to all applicable data protection regulations. The right to use personal and anonymous data in this context belongs to Engimono GmbH, and it is the "responsible party".
For any questions regarding data protection and your data, you can contact hallo@karlbikes.com.
How do we handle your data?
We do not use any social plugins. We believe that we should rely less on such services and instead listen more directly to what you want and what you expect from an insurance company. So just tell us your opinion at hallo@karlbikes.com.
For our website to function properly, we use so-called cookies, so that you will be recognized when you use the site again. You must consent to this use as usual. No personal information such as name or address is stored in the cookie. This makes it impossible to identify a specific person.
We collect information from each website visitor about the time, duration, and extent of the pages used, as well as information about the accessing device such as operating system, region, and browser type. The collection is pseudonymized and is used to generate anonymous information about the way the site is used, to continuously improve the website, and to better tailor the content offering to the needs of our users. The processing is based on predominant legitimate interest pursuant to Art. 6(1)(f) GDPR. In this context, we work with Google Analytics or Google Universal Analytics: The data is transmitted to Google's evaluation servers in the USA using an anonymized IP address. You can object to Google's processing of this data by enabling "Do Not Track" in your browser (e.g., here's how to do it in Chrome).
We use exclusively the personal data you provide and only use it to create your insurance contract. Disclosure is made exclusively to the (re)insurer within the framework of legal regulations.
Data processing during contract creation
The following data is required and used to create a contract: Identity information (first name, last name, email, date of birth), residential address, bank account/credit card details for processing future payments, and insurance product-specific information for calculating the insurance premium. Without this information, a contract cannot be created.
Data processing during claims handling
To process a claim for you, we must pass on your contact details and information about your policy and the claim to the respective insurer so that the claim can be processed and settled. If the insurer needs to involve an expert for processing, they will also receive the information you have provided. Without this information, the claim cannot be processed.
Data transmission to third parties
If you came to us through a broker, intermediary, or referrer, we only pass on information about the conclusion of your insurance contract, the insurance premium, and the term of the contract (including its termination) to the broker, intermediary, or referrer to settle existing commission claims.
Data processing for premium payment
To process the monthly premium payment, we provide the payment service provider "Stripe" with your email address and the credit card details you have provided. Data subject rights: The applicable legal regulations on data protection give you certain rights vis-Ã -vis us, such as: The right to information about your data, the right to rectification of your data, the right to deletion of your data (then you can of course no longer be a customer), and the right to restriction of the processing of your data. At your request, we will provide you with all data stored or processed about you in a clear and readable format. Under certain circumstances, you can of course object to data processing. You don't have to receive advertising from us.
If you have questions or if you disagree with one or the other process, please contact us at hallo@karlbikes.com. Of course, you can also file a complaint with the Austrian data protection authority and/or a European supervisory authority.
From time to time, we need to make changes to the privacy policy, for example due to legal or technological changes or other developments. You should therefore regularly visit our homepage karlbikes.com to view the most current privacy policy.
This privacy policy was last updated on: 22.04.2022
