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GRAWE Rechtliche Hinweise
www.grawe.at
Legal information

The website of Grazer Wechselseitige Versicherung AG (GRAWE) is intended to provide information about the corporation and affiliated companies as well as about their services and products. Unless otherwise explicitly indicated, the information contained on the website does not constitute any contractual offer in the legal sense. The insurance products and their scope of cover are described on the website in abbreviated form and in key words; consequently, if an insurance contract is concluded, solely the provisions of the policies and the agreed terms and conditions of insurance apply. If you are interested in concluding an insurance contract, please contact the customer advisers near you.
 

Any insurance premiums listed include the insurance tax stipulated by law.
 

Disclaimer

All information freely accessible on the website is created with care and updated on a continuous basis. GRAWE, however, does not assume any liability for the information being correct or up to date. GRAWE also does not assume any liability for the information provided via this website or other content accessible via this website and its links being free of viruses or other harmful components.
 

Copyright

Unless otherwise indicated, the copyright for the structure and content of the website (images, illustrations, texts, animations, etc.) lies with GRAWE. It is not permitted to use this content without consent from GRAWE.
 

Data Protection

If you communicate personal data via the online services of GRAWE provided on the website, these will be used solely for the indicated and/or necessary purposes respectively and not forwarded to third parties.
 

Use of Cookies

Cookies are text files that are saved on the end device of the website user. They contain information about websites visited by the user that the browser saves when the user is surfing the Internet. Cookies make it possible to recognise the user again when he visits the website again and/or are suitable for saving and communicating information about the surfing behaviour of the user. The data saved in the cookie are anonymous and do not contain any personal information such as a name or an IP address. It is thus not possible to assign cookie data to a specific person. Cookies are used to improve the service quality, for recommendations of content or search results and for the tracking of user trends. The usage of digital platforms can thus be analysed and insights gained into the requirements of the users, which can be subsequently used to improve the quality of the digital platforms.

Inherently, a distinction can be made between first-party-cookies and third-party-cookies or session-cookies and persistent-cookies. First-party-cookies are automatically placed through the website you are visiting, while third-party-cookies are placed autonomously by a third party. Cookies also differ in their life span. Session-cookies vanish as soon as you close your browser. They therefore only remain temporarily on your local storage medium. Persistent-cookies on the other hand, remain on your local storage medium for a certain amount of time, set in advance.

The following cookies are used on our website:

Functionality-Cookies

These cookies are indispensable to ensure our website is functioning properly and to enable access to all our services to the user. We therefore do not need your consent. There is no possibility to decline the use of these cookies.

Tracking- and Marketing-Cookies

These cookies help us analyze user behavior and based on this information, optimize the usability. Furthermore, these cookies enable us to display advertisements adapted to your interests. Our cookie-banner allows you to activate and deactivate our tracking- and marketing-cookies at any time.

 

Functionality-Cookies

Name of the cookieDescriptionStorage time
DefaultPersistanceNeeded for Server-Load-BalancingSession
consentSaves the user‘s approval status for cookies1 year
fe_typo_userEnsures the functionality of the online service forms (e.g. Login, page break within the formSession
KundenportalNeeded for Server-Load-BalancingSession
JSESSIONIDEnsures the functionality of the customer portalSession
lang-modalSaves the display status of the language selection popup1 year
cookiebarSaves the display status of the cookie bar1 year
cookie tracking statusSaves the user's consent status for cookies1 year
consentIDRequired for storing the user's consent status for cookiesSession

 

Tracking- and Marketing-Cookies

Name of the cookieDomainDescription
YSC, VISITOR_INFO1_LIVE, PREFyoutube.comEnables YouTube to collect usage information for YouTube-hosted videos
IDEdoubleclick.netEnables the analysis of advertising effectiveness and personalized advertising for the user
frfacebook.comFor the optimum delivery of Facebook advertising
_gat_UA-3628373-1google.comAnonymous analysis of the user behavior in Google Analytics
_gagoogle.com

Anonymous analysis of the user behavior in Google Analytics

_gidgoogle.com

Anonymous analysis of the user behavior in Google Analytics

_gcl_augoogle.comAnonymous analysis of the user behavior in Google Analytics
NIDgoogle.comAllows Google to customize the page based on user preferences


Most browsers give their users the possibility to control cookies at their will. This contains the possibility to delete cookies. There can also be chosen presets in different browsers to reject cookies automatically or to inform you automatically as soon as cookies are offered. More information about the application of cookies in different browsers can be found here:

If you block cookies entirely, it might be the case that you can no longer use the full scope of functions of our website.

More information about cookies and/or usage-based online advertising can be found here: http://www.youronlinechoices.com/at/

 

Google Analytics

This website uses Google Analytics, a web analysis service of Google Inc. ("Google"). Google Analytics uses so-called "cookies", text files that are saved on your computer and that permit an analysis of your usage of the website. The information generated by the cookie regarding your usage of this website (including your IP address) will be transmitted to a server of Google in the US and saved there. Google will use this information in order to analyse your usage of the website, to compile reports on the website activities for the website operators and to provide further services associated with the usage of the website and of the Internet. Google may also transmit this information to third parties if this is stipulated by law or if third parties process these data on behalf of Google. Under no circumstances will Google link your IP address to other data of Google. You can prevent the installation of the cookies by a corresponding setting in your browser software; however, we would like to point out that in this case you may not be able to use all functions of this website in full. By using this website, you declare your consent to the processing of the data collected about you by Google in the form and manner described above and for the aforementioned purpose.

If you do not wish to send any information to Google Analytics, you can do this by installing the browser add-on.
 

Double Click

This website uses cookies from DoubleClick to measure the effectiveness of our advertising campaigns, to limit the frequency with which users see a particular ad and to only display ads that are relevant to users and their interests. Particularly information about the time of the visit, the clicked advertising, as well as the previous user behavior on third websites are determined and stored. This information will not be shared with third parties, it will only be used for campaign management and campaign control. For more information, see https://www.google.com/policies/privacy/ads/ or https://www.google.com/settings/u/0/ads/authenticated.
 

Retargeting

This website uses retargeting technology for online advertising. This makes it possible to specifically address the Internet browsers with advertising that have already shown interest in our products. It is known from studies that the display of interest-based advertising is more interesting for the Internet user than advertising that has no such relevance. With retargeting, the display of the advertising media is done on the basis of a cookie-based analysis of the previous visit behaviour. This website uses the Google Analytics functions for marketing tools such as remarketing lists for search ads and remarketing for the Google display network. It goes without saying that no personal data are saved during this process. If you do not wish interest-based advertising from Google to be displayed, you can deactivate this function here: https://www.google.com/settings/ads/onweb/?hl=en
 

Facebook Pixel

We use a "Facebook Pixel" of the social network Facebook Inc. ("Facebook"). The Facebook pixel can track the behavior of users after clicking on a Facebook ad. With the aid of the Facebook pixel, we can understand how our marketing measures are being adopted on Facebook and, if necessary, are taking optimization measures. If you want to disable cookie storage for Facebook, you need to change your browser settings. Please use the help menu of your browser for further information. The data collected remains anonymous and does not provide any information about the identity of the users. Facebook stores and processes the data for its own advertising purposes in accordance with the Facebook Data Directive (https://www.facebook.com/about/privacy/).
 

Status: August 2018

i.e. vehicle insurance, consultant