Website Data Privacy and Cookies Policy
We are committed to the responsible use of your personal data and would like to explain to you here how we handle your data.
We comply with the applicable statutory regulations in accordance with the Swiss Data Protection Law (DSG; SR 235.1) of 1 September 2023.
Who are we?
kasko2go is an innovative InsurTech company that specializes in assessing the risk of policyholders. Recognizing the pivotal role of accurate risk assessment in the future of car insurance, we leveraged alternative data and advanced algorithms to develop a state-of-the-art system that revolutionizes the insurance sector by accurately predicting risk scores.
Blegistrasse 9, 6340 Baar, Switzerland
What do we inform about?
- What data is collected on kasko2go.com;
- Under which conditions we process your data and for which purpose;
- How long we keep your data;
- Which third parties we might disclosure your data to;
- How we process your data;
- What rights you have and how you can exercise them.
Definitions of terms
What is personal data?
Personal data is any information that relates to an identified or identifiable natural person. This includes, for example, name, address, date of birth, e-mail address or telephone number. Data about personal preferences such as leisure activities or memberships also count as personal data.
What are personal data requiring special protection?
Data on religious, ideological, political or trade union views or activities; data on health and, where applicable, information on administrative or criminal prosecutions and sanctions as well as data on social assistance measures are considered to be particularly sensitive personal data. Where necessary and appropriate, we may request and process particularly sensitive personal data. In this case, their processing is subject to stricter confidentiality.
What is the processing of personal data?
Processing is any handling of personal data, regardless of the means and procedures used, in particular the acquisition, storage, retention, use, modification, disclosure, archiving, deletion or destruction of data.
What is the disclosure of personal data?
This is the transmission or making available of personal data, e.g. publication or disclosure to a third party.
Your personal data is processed in accordance with Swiss Art. 4 DSG. What data is collected and processed and for what purposes?
When you visit our website, we collect some information about you to ensure a user-friendly and personalised website experience.
Your data is collected because you visit our website, subscribe to our newsletter, or communicate with us in another way.
VISITING THE WEBSITE
When you visit our website, our servers temporarily save data in a so-called server log file. Using this, kasko2go collects information on the timestamp, browser, operating system, http request and any error codes of the website visitor. The data is deleted as soon as it is no longer needed for the purpose for which it is collected.
When you visit our website, this information can be retrieved or saved from your browser, mostly in the form of cookies.
COOKIES AND OTHER IDENTIFICATION TECHNOLOGIES
"Cookies" are small (text) files that are stored on your computer or mobile device and enable analysis of your use of the website.
They serve, among other things, to authenticate you as a user, to save user settings and to analyse our website as well as to implement and evaluate advertising campaigns.
This means we can offer you a personalised web experience. You can also decide not to allow certain types of cookies: In most web browsers, you can change the settings so that your browser does not accept new cookies, or you can delete cookies already stored. You can usually find out how this works specifically in your browser via the browser's Help function.
We use our own and third-party cookies to improve our services by analysing your browser behaviour. When you continue to use the website, we assume that you accept this use.
WHAT SORT OF COOKIES DOES THIS WEBSITE USE?
Necessary cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in, or filling in forms.
Analytics cookies help us to understand how visitors engage with the website. We may use a set of cookies to collect information and report site usage statistics. In addition to reporting site usage statistics, data collected may also be used, together with some of the advertising cookies described, to help show more relevant ads across the web and to measure interactions with the ads we show.
Advertisement cookies make our ads more engaging and valuable to site visitors. Some common applications of cookies are to select advertising based on what’s relevant to a user; to improve reporting on ad campaign performance; and to avoid showing ads the user has already seen.
Functionality cookies are a set of cookies that are optional for the website to function. They are usually only set in response to information provided to the website to personalize and optimize your experience as well as remember your chat history.
FILLING IN PARTNER OR INVESTOR FORMS
If you fill in our partner form from our website, we may store the following data:
Area you want more information about (Free Open Source UBI solution, Normal Sigma Solution or Partnership Opportunities)
- Phone number
- Company and position
- Your message itself
We use this data to contact our partners.
If you fill in our investor form from our website, we may store the following data:
- Phone number
- Company and position
- Your message itself
We use this data to contact you as a potential investor.
LINKS TO THIRD-PARTY WEBSITES
This privacy statement applies to the data collected by us. If a link to a third-party website/social network is provided on our website, please note that we are not responsible for the content or the privacy practices of these third-party sites. The scope of the data processing by third parties, your rights in this regard and the setting options for the protection of your data can be found in the data protection policies on the websites of these third parties.
WEB ANALYSIS TOOLS
On our website, we use the Google Analytics web analysis tool. The provider of this service is Google Ireland Limited ("Google"), Gordon House, Barrow Street, Dublin 4, Ireland. As Google servers are also based in the US, Data transmission to the US is based on the Standard Contractual Clauses (SCC) of the European Commission. Details can be found here: privacy.google.com/businesses/controllerterms/mccs/.
The use of Google Analytics makes it possible to map data, sessions and interactions across several devices to a pseudonymous user ID and thus analyse the activities of a user across multiple devices.
On behalf of the operator of this website, Google will use this information to evaluate your use of the website, to compile reports about the website activities and to provide further services to the website operator related to website activity and internet usage. The legal basis for the use of Google Analytics is your consent. Google is the recipient of the data collected.
We use Google Analytics only with activated IP anonymisation. This means that the IP address of the user is truncated by Google within the member states of the European Union or in other contracting states of the Agreement on the European Economic Area. The full IP address is transferred to a Google server in the USA and truncated there only in exceptional cases. The IP address provided by the user's browser will not be combined with other Google data.
You can revoke your consent at any time with future effect by preventing the saving of cookies through selecting the appropriate settings on your browser. However, please note that if you do this, you may not be able to use all functions of this website to the full extent. Furthermore, you can prevent Google's collection of data associated with your use of the website via cookies (including your IP address) and the use of this data by Google by downloading and installing the browser add-on available under the following link: The current link is: https://tools.google.com/dlpage/gaoptout?hl=en. Opt-out cookies prevent the future collection of your data when you visit this website: In order to prevent the collection of data by Universal Analytics across different devices, you will have to perform the opt-out function of all the systems you use.
Google Tag Manager
LinkedIn Insight Tag
We use the LinkedIn Insight Tag on our website. A service of LinkedIn Ireland Unlimited Company, Wilton Plaza, Wilton Place, Dublin 2, Ireland and LinkedIn Corporation, 1000 W. Maude Avenue, Sunnyvale, CA 94085 USA; both together "LinkedIn". Maude Avenue, Sunnyvale, CA 94085 USA; both together "LinkedIn", with LinkedIn Ireland Unlimited Company being responsible for the processing of personal data.
The LinkedIn Insight Tag sets a cookie on your device. This cookie is used for measurement purposes to optimise marketing campaigns and retargeting of website visitors.
Why may we use LinkedIn Insight Tag?
LinkedIn analyses the data collected on our behalf so that we can optimise our marketing campaigns and learn more about our target audience. This is our legitimate interest.
How can you prevent the collection of your data via LinkedIn Insight Tag?
You can prevent the storage of cookies by adjusting the settings in your browser accordingly. In addition, you can object to cross-device data processing by deactivating it in your LinkedIn account (https://www.linkedin.com/psettings/guest-controls/retargeting-opt-out). Further information on data processing by LinkedIn can be found at the following link: https://de.linkedin.com/legal/privacy-policy.
Google Web Fonts
We use so-called web fonts on our website for the uniform display of fonts, which are provided by Google. When you call up one of our pages, your browser loads the required web fonts into your browser cache in order to display texts and fonts correctly.
What information do you share with us and how is it used?
The browser you use establishes a connection to Google's servers. This enables Google to know that our website has been accessed via your IP address. If your browser does not support web fonts, a standard font is used by your computer.
Why are we allowed to use Google Web Fonts?
Google Web Fonts are used in the interest of a uniform and appealing presentation of our online offers. For more information on Google Web Fonts, see the Google Web Fonts FAQs: https://developers.google.com/fonts/faq.
HubSpot is a powerful marketing and sales software platform that helps businesses grow better. It can be used to create, manage, and optimize marketing campaigns, track leads and sales, host and manage website content, create landing pages, generate, and nurture leads, analyse website performance, and much more.
HubSpot Conversations is a live chat solution that enables website visitors to communicate with website owners in real-time. It can be used to answer questions, provide customer service, and capture leads.
HubSpot Messages is a messaging platform used to instantly engage website visitors. It allows customers to communicate with businesses in real-time via chat, SMS, or Facebook Messenger. Businesses can use it to answer questions, provide support, offer promotions, and more.
LinkedIn Ads can be used to promote your business, products, services, or website on LinkedIn. It’s a great way to reach a highly-targeted audience of professionals and decision makers, allowing you to build brand awareness, generate leads, and increase sales.
Global Site Tag
We use the service "Google Maps" from Google for displaying maps and locations. When you retrieve a geographical map from Google Maps, data will be sent to a server of the service that may be located outside the EU. Google processes the information about this activity, such as information about the content, the device IDs, IP addresses, cookie data with, for example, information on the last visit and preferred language, for promotional purposes as well as location information. Google's privacy statement can be found at the following link: http://policies.google.com/privacy.
To measure conversion rates, we use the visitor activity pixel of Facebook. The provider of this service is Facebook Ireland Limited, 4 Grand Canal Square, Dublin 2, Ireland. According to Facebook's statement the collected data will be transferred to the USA and other third-party countries too. We use Facebook pixel in order to optimize our ads, report on conversions across devices, and create custom audiences of website visitors for use in Facebook ads. The Facebook Pixel was designed from the bottom up with privacy in mind.
Facebook never shares information from our website with our competitors or third parties. All information is aggregated with millions of other signals before being read by our optimization systems. Facebook uses information obtained from websites that install Pixels to improve its ads (as noted in Facebook terms). This data is aggregated before it is used.
The Facebook Pixel collects five types of data:
- HTTP Headers - Anything present in HTTP headers. HTTP Headers are a standard web protocol sent between any browser request and any server on the internet. HTTP Headers include IP addresses, information about the web browser, page location, document, referrer and person using the website.
- Pixel-specific Data - This includes Pixel ID and the cookie.
- Button Click Data - This includes any buttons clicked by site visitors, the labels of those buttons and any pages visited as a result of the button clicks.
- Optional Values - We may optionally choose to send additional information about the visit through Custom Data events. Example custom data events are conversion value, page type and more.
- Form Field Names - This includes website field names like 'email', 'address', and 'quantity' when a person purchases a product or service. We may include field values as part of Advanced Matching or optional values.
Data transmission to the US is based on the Standard Contractual Clauses (SCC) of the European Commission. Details can be found here: www.facebook.com/legal/EU_data_transfer_addendum.
Insofar as personal data is collected on our website with the help of the tool described here and forwarded to Facebook, we and Facebook Ireland Limited, 4 Grand Canal Square, Grand Canal Harbour, Dublin 2, Ireland are jointly responsible for this data processing. The joint responsibility is limited exclusively to the collection of the data and its forwarding to Facebook. The processing by Facebook that takes place after the onward transfer is not part of the joint responsibility. The obligations incumbent on us jointly have been set out in a joint processing agreement. The wording of the agreement can be found under: www.facebook.com/legal/controller_addendum. According to this agreement, we are responsible for providing the privacy information when using the Facebook tool and for the privacy-secure implementation of the tool on our website. Facebook is responsible for the data security of Facebook products. You can assert data subject rights (e.g., requests for information) regarding data processed by Facebook directly with Facebook. If you assert the data subject rights with us, we are obliged to forward them to Facebook.
In Facebook's Data Privacy Policies, you will find additional information about the protection of your privacy at: www.facebook.com/about/privacy/.
WILL MY DATA BE DISCLOSED TO THIRD PARTIES?
With the exception of data that is sent to third-parties through the use of the services and content of these third parties integrated into our website (see "Integration of services and content of third parties", "Web analysis tools" above), we do not pass on the data collected about you during your visit to our website to third parties.
kasko2go discloses personal customer data in connection with the website visit to third parties only as follows:
- at your request in connection with the use of certain features or social media
- for kasko2go's promotional purposes
- to the authorities in accordance with the statutory provisions
- for safeguarding the legitimate interests of kasko2go (e.g. in the risk of claims by third parties or authorities against kasko2go)
However, general address trading is excluded.
When we pass data on to third parties who process your personal data on our behalf (contract processors), we ensure that the data is processed by the contractor processor only as we would be allowed to process it ourselves.
HOW LONG IS YOUR PERSONAL DATA SAVED?
The length of time the data is retained depends on the purpose of use. Data will be retained only for as long as this is necessary for business purposes and proportionate.
Data that we have to retain for a certain length of time based on statutory requirements (e.g. in the case of documentary and retention duties for proper accounting for legal or tax-related reasons) will not be deleted.
Once the purpose for saving no longer applies or the prescribed retention period expires, we block or delete the data routinely and in accordance with the statutory provisions.
The data from Partner and Investor Contact Forms is stored on our corporate Google Drive and in our CRM system and remains stored as long as there is a need for the company and the contact (indefinitely). The access is provided to employees or relevant contractors strictly on a need-to-know basis.
In addition, we delete your data when you request that we do so and we have no legal or other duties of retention or back-up in relation to this data.
WHAT MEASURES ARE TAKEN FOR THE PROTECTION OF PERSONAL DATA?
We take technical and organisational security steps in order to safeguard your personal data against manipulation, loss, destruction or against access by unauthorised persons as well as to guarantee the protection of your rights and compliance with the applicable data protection provisions.
The measures taken are designed to ensure the confidentiality and integrity of your data as well as guaranteeing the availability and capacity of our systems and services in the processing of your data in the long term. They should also ensure the speedy recovery of the availability of the data and access to these in the event of a physical or technical incident.
Our data processing and our security measures are improved continuously in line with technical developments.
Normal emails that you send to us are not encrypted. Such information can be lost at any time or fall into the hands of unauthorised third parties. For this reason, all provision of personal information and data is voluntary and at your own risk. In this context, any liability of kasko2go is excluded. Confidential information must be submitted to kakso2go by post or another secure way.
All data transmitted between the users and the website is encrypted with TLS (SSL).
We also take our company's own, internal data protection very seriously. Our employees and the service providers contracted by us are bound to confidentiality and compliance with the data protection provisions. In addition, they are granted access to personal data only to the extent necessary.
WHAT RIGHTS DO YOU HAVE?
You generally have the rights of information, correction, completion, deletion, restriction, objection and revocation in relation to your data.
When we process your personal data, you can generally request information on this processing of your personal data at no charge, have the processing of your data restricted, correct your personal data, delete it or have it blocked ("right to be forgotten"), revoke consent granted and object to the processing of your personal data.
We will inform you if we cannot delete your data yet because of a statutory duty of retention (see "How long is the personal data saved?").
If you would like to have your personal data deleted, please send an email to email@example.com describing your concerns.
If you have any questions about or suggestions for improving this declaration, please send an email to
Your personal data is processed in accordance with Art. 4 DSG.