Skip to content
  • 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.

    We only activate the tracking and marketing cookies mentioned below after you have given us your consent via the cookie banner. Some of these cookies are also operated by the US companies Google LLC and Meta Platforms, Inc., which process data in the USA. The legal basis for the transmission of data to these US companies is the Adequacy Decision of the European Commission of July 10, 2023 (Article 45 GDPR).

    Our cookie-banner allows you to activate and deactivate our tracking- and marketing-cookies at any time.

     

    Funktionalitäts-Cookies

    Name des CookiesBeschreibungSpeicherdauerZugriff durch Dritte
    DefaultPersistanceWird fürs Server-Load-Balancing benötigtSession-
    fe_typo_userStellt Funktionalität der Online-Service-Formulare sicher (z.B. Login, Seitenwechsel im Formular)SessionParkside Informationstechnologie GmbH
    TS*Schützt Webservices vor böswilligen AngriffenSession-
    KundenportalWird fürs Server-Load-Balancing benötigtSessionitestra GmbH
    JSESSIONIDStellt Funktionalität des Kundenportals sicher und wird für Online-Bezahlungen über Hobex benötigtSessionitestra GmbH
    lang-modalSpeichert den Anzeigestatus des Sprachauswahl-Popups1 JahrParkside Informationstechnologie GmbH
    cookiebarSpeichert den Anzeigestatus der Cookie-Bar1 JahrParkside Informationstechnologie GmbH
    cookie tracking statusSpeichert den Zustimmungsstatus des Users für Cookies1 JahrParkside Informationstechnologie GmbH
    consentIDWird für die Speicherung des Zustimmungsstatus des Users für Cookies benötigtSessionParkside Informationstechnologie GmbH
    ak_bmscWird für Online-Bezahlungen über Hobex benötigtSessionitestra GmbH

     

    Tracking- und Marketing-Cookies

    Name des CookiesDomainBeschreibungSpeicherdauerZugriff durch Dritte
    CONSENTyoutube-nocookie.comErmöglicht YouTube, Nutzungsinformationen für von YouTube gehostete Videos zu erheben2 JahreGoogle LLC, Parkside Informationstechnologie GmbH, e-dialog GmbH, get on top gmbh
    _fbpfacebook.comZur optimalen Auslieferung von Werbung auf Facebook 90 TageMeta Platforms, Inc., Parkside Informationstechnologie GmbH, e-dialog GmbH, get on top gmbh
    _gat_UA*google.comZur anonymisierten Analyse des Userverhaltens in Google Analytics1 MinuteGoogle LLC, Parkside Informationstechnologie GmbH, e-dialog GmbH, get on top gmbh
    _ga*google.comZur anonymisierten Analyse des Userverhaltens in Google Analytics2 JahreGoogle LLC, Parkside Informationstechnologie GmbH, e-dialog GmbH, get on top gmbh
    _gidgoogle.comZur anonymisierten Analyse des Userverhaltens in Google Analytics24 StundenGoogle LLC, Parkside Informationstechnologie GmbH, e-dialog GmbH, get on top gmbh
    _gcl_augoogle.comZur anonymisierten Analyse des Userverhaltens in Google Analytics90 TageGoogle LLC, Parkside Informationstechnologie GmbH, e-dialog GmbH, get on top gmbh
    FPAUgoogle.comZur anonymisierten Analyse des Userverhaltens in Google Analytics90 TageGoogle LLC, Parkside Informationstechnologie GmbH, e-dialog GmbH, get on top gmbh
    FPIDgoogle.comZur anonymisierten Analyse des Userverhaltens in Google Analytics2 JahreGoogle LLC, Parkside Informationstechnologie GmbH, e-dialog GmbH, get on top gmbh
    FPLCgoogle.comZur anonymisierten Analyse des Userverhaltens in Google Analytics20 StundenGoogle LLC, Parkside Informationstechnologie GmbH, e-dialog GmbH, get on top gmbh
    engagement1grawe.atFür Floodlight; Ermöglicht Analyse der Werbewirksamkeit und personalisierte Werbung für den BenutzerSessionGoogle LLC, Parkside Informationstechnologie GmbH, e-dialog GmbH, get on top gmbh
    engagement2grawe.atFür Floodlight; Ermöglicht Analyse der Werbewirksamkeit und personalisierte Werbung für den BenutzerSessionGoogle LLC, Parkside Informationstechnologie GmbH, e-dialog GmbH, get on top gmbh
    edSessiongrawe.atFür Floodlight; Ermöglicht Analyse der Werbewirksamkeit und personalisierte Werbung für den BenutzerSessionGoogle LLC, Parkside Informationstechnologie GmbH, e-dialog GmbH, get on top gmbh

      

    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.

     

    Google Analytics

    This website uses Google Analytics, a web analysis service of Google LLC ("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.
     

    Google Tag Manager

    The Google Tag Manager is used on our website. The Tag Manager is a service that allows us to manage website tags through one interface. This allows us to incorporate code snippets such as tracking codes or conversion pixels on websites without interfering with the source code. The data is only forwarded by the Tag Manager, but neither collected nor stored. The Tag Manager itself is a cookie-free domain and does not process any personal data, as it is used purely for the administration of other services in our online offer. Further information is available here: Privacy Policy: https://policies.google.com/privacy, FAQ Google Tag Manager: https://www.google.com/intl/de/tagmanager/faq.html, Terms of Use Google Tag Manager: https://marketingplatform.google.com/intl/de/about/analytics/tag-manager/use-policy/, Google Ads Data Processing Terms including standard contractual clauses for third country transfers: https://business.safety.google/adsprocessorterms/ 

     

    Google Marketing Platform / Google Ad Manager (formerly DoubleClick)

    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. 
     

    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 Meta Platforms, 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/).
     

    YouTube

    YouTube elements are embedded on our website. We use the YouTube No-Cookies function, i.e. we have activated extended data protection, videos are not accessed via youtube.com, but via the youtube enhanced privacy mode. When the relevant pages are called up, the IP address is transmitted and in this way communicated, in particular to YouTube and Google, which of our Internet pages you have visited. Further information is available at: https://www.youtube.com/yt/about/de/. As soon as you start playing an embedded video by clicking on it, YouTube only saves cookies on your device that do not contain any personally identifiable data thanks to the extended data protection mode, unless you are currently logged in to a Google service. These cookies can be prevented by appropriate browser settings and extensions at https://adssettings.google.com/authenticated

     

    Status: August 2023