Imprint

3T Insurance broker UG (limited liability)
Amalienhofstr. 27, 13581 Berlin
Phone:030/921049730
Internet:www.berlin-insurance.com
E-mail:service (at) 3t-versicherungsmakler.de

Managing director: Mr. Tarek Abdel-Waness

Commercial register number: HRB 126324 B, Berlin district court (Charlottenburg)

§ 34d GewO

Job title:
Insurance broker with permission according to § 34d Paragraph 1 Trade Regulations, Federal Republic of Germany

Register number: D-8KJK-S68J0-59

Supervisory authority and competent authority for the permit:
Berlin Chamber of Commerce and Industry
Fasanenstrasse 85
10623 Berlin
Germany
https://www.ihk-berlin.de/

The entry can be checked as follows:
German Chamber of Commerce and Industry (DIHK) eV
Breite Strasse 29, 10178 Berlin
phone0180-600-585-0*
www.vermittlerregister.info
* 20 cents / call from German landlines, a maximum of 60 cents / call from cellular networks

Arbitration boards
According to § 36 VSBG and § 17 Abs. 4 VersVermV we inform you that we are obliged and willing to participate in a dispute settlement procedure. The following arbitration boards can be called:

Insurance Ombudsman eV
P.O. Box 08 06 32, 10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health and long-term care insurance
P.O. Box 06 02 22, 10052 Berlin
www.pkv-ombudsmann.de

European Commission
Online dispute settlement platform (OS platform)
http://ec.europa.eu/consumers/odr

Professional regulations are in particular:

• § 34 d trade regulations
• Sections 59 - 68 VVG
• VersVermV

The professional regulations can be found on the homepage operated by the Federal Ministry of Justice and juris GmbHwww.gesetze-im-internet.decan be viewed and retrieved

.

Complaint management

Complaints are to be addressed in text form to the management and are processed immediately as part of our complaint management.

Initial / status information

according to § 15 of the regulation on insurance brokerage and advice

of

3T insurance broker UG (limited liability)
Amalienhofstr. 27, 13581 Berlin
Phone:030/921049730
Fax: 030/921049739
Internet:www.3T-versicherungsmakler.de
E-mail:service (at) 3t-versicherungsmakler.de

Managing director: Mr. Tarek Abdel-Waness

Commercial register number: HRB 126324 B, Berlin district court (Charlottenburg)

§34d GewO

Job title:
Insurance broker with permission according to § 34d Paragraph 1 Trade Regulations, Federal Republic of Germany

Register number: D-8KJK-S68J0-59

Supervisory authority and competent authority for the permit:
Berlin Chamber of Commerce and Industry
Fasanenstrasse 85
10623 Berlin
Germany
https://www.ihk-berlin.de/

The entry can be checked as follows:
German Chamber of Commerce and Industry (DIHK) eV
Breite Strasse 29, 10178 Berlin
phone0180-600-585-0*
www.vermittlerregister.info
* 20 cents / call from German landlines, a maximum of 60 cents / call from cellular networks

Arbitration boards
According to § 36 VSBG and § 17 Abs. 4 VersVermV we inform you that we are obliged and willing to participate in a dispute settlement procedure. The following arbitration boards can be called:

Insurance Ombudsman eV
P.O. Box 08 06 32, 10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health and long-term care insurance
P.O. Box 06 02 22, 10052 Berlin
www.pkv-ombudsmann.de

European Commission
Online dispute settlement platform (OS platform)
http://ec.europa.eu/consumers/odr

Professional regulations are in particular:

• § 34 d trade regulations
• Sections 59 - 68 VVG
• VersVermV

The professional regulations can be found on the homepage operated by the Federal Ministry of Justice and juris GmbHwww.gesetze-im-internet.decan be viewed and retrieved.

Professional regulations:
Our activity also includes advice.

Type and source of remuneration
The remuneration for our work is as follows:

• Brokerage included in the insurance premium, which is paid by the respective insurance company or as
• specifically agreed payment by the customer or as
• Combination of both.

This depends on the wishes and needs of the customer and the insurance products that may be brokered.

Complaint management

Complaints are to be addressed in text form to the management and are processed immediately as part of our complaint management.

Transparency Ordinance (TVO)

Regulation (EU) 2019/2088 of November 27, 2019 on sustainability-related
Disclosure requirements in the financial services sector

Sustainability is an important issue for us!
That is why we advise our customers, among other things, on sustainable investments in the products we broker individually and personally.

These can currently be represented well for unit-linked products by selecting ESG-compliant investment funds. As part of the individual consultation, we point out recognizable advantages and disadvantages.

In the case of other insurance products, it is currently often not possible to consider sustainable capital investments in terms of their capital stock.

For the brokerage of sustainable investments, we regularly receive - and remunerate - the same rates as for other investments.

A: Privacy Policy

3T insurance broker UG (limited liability)
Amalienhofstr. 27
13581 Berlin
Phone:030/921049730
E-mail:service (at) 3t-versicherungsmakler.de

If you have any questions about the protection of your data, you will receive information from our management, you can contact us using the aforementioned contact details.

You have the right to lodge a complaint with the supervisory authority in whose federal state the company is based. For our company this is:

Berlin Commissioner for Data Protection and Freedom of Information
Friedrichstraße 219, 10969 Berlin,, visitor entrance: Puttkamer Straße 16 - 18 (5th floor)
Tel.030 13889-0
Fax 030 215-5050
http://www.datenschutz-berlin.de

In the appendix to this guideline you will find an overview of the business partners as well as the insurers with whom we usually work. A data transfer takes place to these in order to fulfill our order or legal obligations.

1. scope

This guideline regulates the data protection-compliant information processing and the corresponding responsibilities at the above-mentioned company (and its branch (s)) on the basis of the statutory provisions of the European General Data Protection Regulation (GDPR) and the Federal Data Protection Act (BDSGneu). All employees are obliged to comply with this guideline.

It is aimed in particular at:

Employees, customers and interested parties, insurers and service providers.

The following principles apply here:

• Protection of personal rights
• Earmarking of personal data
• transparency
• Data avoidance and data economy
• Factual correctness / timeliness of the data
• Data processing confidentiality
• Data processing security
• Deletion and restriction of the processing of data on request

2. Definition of terms (Art. 4 GDPR)

Personal data are individual details about personal or factual circumstances of a natural person (data subject). Examples: surname, first name, birthday, address data, contract data, email content.
Special personal data are information about racial, ethnic origin, political opinions, religious or philosophical convictions, union membership, health or sex life, as well as economic circumstances.

The responsible body is any person or body who collects, processes or uses personal data for themselves or has this done by others on behalf of them.

3. Collection, processing and storage of personal data (Art. 5 6 GDPR)

The collection, processing and storage of personal data in our company takes place on the basis of the brokerage order used by us and the other applicable documents (such as broker authorization, consent to data processing, which are signed separately).
We will not take any action without a specific commissioning and a declaration of consent under data protection law by our customers (in the case of children and young people, the consent is given by the legal guardian).
We document our activities extensively via our broker administration program and have specific procedural instructions for the execution of our orders. Profiling does not take place in our company. The data will only be processed for the agreed purposes.

After termination of the brokerage contract, the data of our customers will be deleted in accordance with the legal requirements, in particular the provisions on legal retention periods. The deadlines can be extended accordingly to defend possible legal claims. Processing is restricted instead of deletion.

4. Commitment to confidentiality

All employees are obliged to maintain confidentiality and to comply with the work instructions and this guideline when they begin their work. The obligation is renewed annually.

5. Processing overviews (Art. 30 GDPR)

By means of internal process overviews (directory of processing activities) we create transparency within the company and check whether our processes present particular risks for the rights and freedoms of those affected and are therefore subject to a prior check / data protection impact assessment. There is an obligation to keep these overviews available for inspection by the authorities.

6. Procurement of hardware and software

All hardware necessary for our work processes (computers, screens, keyboards, mice and peripheral devices such as scanners or printers) is controlled according to internal guidelines. The computers are already configured for the employees and equipped with the appropriate programs that we use as standard. Additional software may only be installed in consultation with the management.

7. Password Policy

In order to make access to our systems secure, individual authentication is necessary. Internal regulations have been made for these, which all parties involved must adhere to.

8. Technical and organizational measures

We take all possible measures that are state-of-the-art and are organizationally appropriate to prevent unauthorized persons from accessing the personal data stored by us. For this purpose, we keep separate records in order to document the requirements for the security of data processing.

A transfer to third countries is currently not planned.

9. Rights of data subjects (Art. 12-23 GDPR)

1. The person concerned can request information about which personal data of which origin is stored about him and for what purpose. If, in accordance with the applicable labor law, further rights to inspect the employer's documents (e.g. personnel files) are provided for in the employment relationship, these remain unaffected.
2. If personal data is transmitted to third parties, information must also be given about the identity of the recipient or the categories of recipients.
3. Should personal data be incorrect or incomplete, the data subject can request that it be corrected or supplemented.
4. The data subject can object to the processing of his or her personal data for purposes of advertising or market and opinion research. For these purposes, the data must be restricted (blocked) for processing.
5. The person concerned is entitled to request the deletion of their data if the legal basis for processing the data is missing or has ceased to exist. The same applies in the event that the purpose of data processing has lapsed due to the passage of time or for other reasons. Existing retention obligations and interests worthy of protection that conflict with deletion must be observed.
6. The person concerned has a fundamental right to object to the processing of their data with effect on the future, which must be taken into account if their legitimate interest outweighs the interest in the processing due to a special personal situation. This does not apply if a legal regulation obliges the processing to be carried out.
7. The person concerned has a right to data portability. This means the right to receive the personal data in a structured, common and machine-readable format. This must not impair the freedoms and rights of other people.
8. The person concerned has the right to lodge a complaint with the supervisory authority in whose federal state the company is based. You will find the contact details at the beginning of the description of our data protection organization.

10. Procedure in the event of "data breaches" (Art. 33 GDPR)

Every employee should immediately report cases of violations of this data protection guideline or other regulations for the protection of personal data (data protection incidents) to their respective superiors, the management or the DPO. The responsible manager is obliged to inform the DPO immediately about data protection incidents.

In cases of unlawful transmission of personal data to third parties, unlawful access by third parties to personal data, or loss of personal data, the notifications provided in the company must be made immediately so that existing reporting obligations of data protection incidents can be fulfilled under state law.

B: Declaration on the protection of your data when you visit our homepage

1. Forms

You can use the contact form on our website to contact us electronically. If you enter your personal data such as name, date of birth, address, bank details or other data, e.g. to create an offer or report a claim, we will save them and process them exclusively for these purposes.
We knowingly collect personal data about minors only from legal guardians and only if and insofar as the personal processing and use is necessary to fulfill a contractual relationship.

2. Integration and use of third party content

Our website can contain content from third parties, in particular offer programs, comparison calculators and product offers, e.g. B. be involved by insurers. This content can be in the design of our website.
The data protection declarations of the third party, which are linked at the relevant point or are visible on the third party’s website, apply to this content.

3. Cookies

Some of the internet pages use so-called cookies. Cookies do not damage your computer and do not contain viruses. Cookies serve to make our offer more user-friendly, more effective and safer. Cookies are small text files that are stored on your computer and saved by your browser.
Most of the cookies we use are so-called “session cookies”. They are automatically deleted after your visit. Other cookies remain stored on your device until you delete them. These cookies enable us to recognize your browser the next time you visit.
You can set your browser so that you are informed about the setting of cookies and only allow cookies in individual cases, exclude the acceptance of cookies for certain cases or in general, and activate the automatic deletion of cookies when you close the browser. If cookies are deactivated, the functionality of this website may be restricted.
Cookies that are required to carry out the electronic communication process or to provide certain functions you require (e.g. shopping cart function) are stored on the basis of Art. 6 Para. 1 lit. f GDPR. The website operator has a legitimate interest in the storage of cookies for the technically error-free and optimized provision of its services. If other cookies (e.g. cookies for analyzing your surfing behavior) are stored, these will be treated separately in this data protection declaration.

4. Server log files

The provider of the pages automatically collects and stores information in so-called server log files, which your browser automatically transmits to us. These are:

• Browser type and browser version
• operating system used
• Referrer URL
• Host name of the accessing computer
• Time of the server request
• IP address

This data will not be merged with other data sources.
The basis for data processing is Article 6 (1) (f) GDPR, which allows the processing of data for the fulfillment of a contract or pre-contractual measures.

5. Notes on using tariff calculators

consultation
As an insurance broker, we are obliged to provide advice as required. We therefore ask you to first use the comparison platform for preliminary information and to contact us before concluding the contract so that we can provide and document the consulting services. To do this, please send us the comparison by email with a reference to the desired provider.
If you sign up online without prior advice, you will forego advice and documentation. After submitting your application, you will receive a corresponding waiver with the request to sign.

privacy
The data you enter will be processed for the company VEMA eG (www.vema-eg.de) and Innosystems (www.innosystems.de) stored and processed.

Insurer selection
Please note that there is no comparison platform that includes all insurers. The operators of comparison platforms are also insurance brokers like us. There are insurers who generally do not work with insurance brokers or who do not allow their tariffs to be set in comparison platforms.

6. Use of cookies / Matomo (previously Piwik)

Our website uses Matomo, which is a so-called web analysis service. Matomo uses so-called "cookies", text files that are stored on your computer and that enable us to analyze the use of the website. For this purpose, the usage information generated by the cookie (including your abbreviated IP address) is transferred to our server and stored for usage analysis purposes, which serves to optimize our website. Your IP address is immediately anonymized during this process, so that you as a user remain anonymous to us. The information generated by the cookie about your use of this website will not be passed on to third parties. You can prevent the use of cookies by setting your browser software accordingly; however, in this case you may not be able to use all the functions of this website to their full extent.
If you do not agree to the storage and evaluation of this data from your visit, you can object to the storage and use at any time with a click of the mouse. In this case, a so-called opt-out cookie is stored in your browser, which means that Matomo does not collect any session data. Warning: If you delete your cookies, this means that the opt-out cookie will also be deleted and may have to be reactivated by you.

7. Google Web Fonts

This page uses so-called web fonts, which are provided by Google, for the uniform display of fonts. When you call up a page, your browser loads the required web fonts into your browser cache in order to display texts and fonts correctly.
For this purpose, the browser you are using must connect to the Google servers. This gives Google knowledge that our website has been accessed via your IP address. The use of Google Web Fonts takes place in the interest of a uniform and appealing presentation of our online offers. This represents a legitimate interest within the meaning of Art. 6 Para. 1 lit.f GDPR.
If your browser does not support web fonts, a standard font will be used by your computer.
For more information on Google Web Fonts, seehttps://developers.google.com/fonts/faqand in Google's privacy policy:https://www.google.com/policies/privacy.

C: Declaration of consent to data processing and contact

In order to be able to act for you, we have to collect, save and pass on your data to third parties. We do this, for example, when we record your risk situation and pass this data on to various insurers in order to receive suitable offers for you. We also use so-called broker service providers for this purpose.
Often it is also necessary for us to request data relating to you from third parties. These are primarily insurers, but data from doctors, tax advisors or lawyers and credit agencies may also be required, for example.
Health data is only collected to the extent that it is necessary for the brokerage of life, health or accident insurance (personal insurance), or for the processing of claims and claims.
You can give this consent individually and revoke it at any time with effect for the future.
Please note that we may then no longer be able to work for you.

For more information, please refer to our data protection guidelines with a list of business partners.

Consent to the collection and request of data
You consent to us collecting data from you and requesting it from third parties. If we request health data from doctors, we will inform you beforehand.

Consent to the storage of data
You consent to us storing and processing the collected and requested data to the required extent or having them stored and processed by authorized third parties.

Consent to the transfer of data
You agree that we may pass on data to third parties within the framework of our brokerage activities. Third parties are, for example, insurers, broker service providers, workshops, appraisers or other service providers. You can find an overview of potential recipients in the business partner overview. On request, you will of course also receive information on to whom we have actually transmitted data relating to you.

Consent to contact us
Customer information is part of our work. You have used the option of electronic contact via the forms and expect a response to your request, for which we will use the contact details provided. Therefore, we need your consent in order to be able to carry out our work.

D: Changes within the privacy policy

We reserve the right to adapt the data protection guideline if necessary so that it corresponds to the current legal and technical requirements. These then apply when you visit again. We indicate a change through the revision status.

Terms of Service

General terms and conditions for the insurance brokerage contract

Duration of the brokerage contract

The brokerage contract is concluded for an indefinite period of time and can be terminated by either party for an important reason without observing a deadline, otherwise with one month's notice. The client undertakes to notify the respective insurance company of the termination of the brokerage contract so that a new broker is determined, the future service fee is credited to him and the correspondence with the previous insurance broker is stopped.

Liability / statute of limitations

The liability of the insurance broker for financial losses is limited to the compulsory sum insured in the event of a slightly negligent breach of his contractual obligations. Insofar as there is a risk of greater damage in individual cases, the client has the option of increasing the insurance broker's liability insurance cover at his own expense to an insured amount that covers the risk assumed. The insurance broker makes a recommendation for this. The insurance broker is not liable for financial losses incurred by the client as a result of a slightly negligent breach of secondary obligations. The statutory statute of limitations apply with the stipulation that the claims expire at the latest after 5 years, beginning at the end of the year in which the brokerage contract was terminated. The limitations of liability do not apply in the event of a breach of the obligations from §§ 60 or 61 VVG.

Bound by instructions

The insurance broker undertakes to only inform the insurer in accordance with the instructions of the client. Additional information will not be passed on to insurers or other third parties, insofar as this is legally permissible.

Prohibition of assignment

All rights or claims of the client against the insurance broker arising from this contractual relationship are non-transferable, assignable or loadable.

Explanatory fiction

The client implicitly accepts changes to these terms and conditions through silence if the insurance broker has indicated the changes to the general terms and conditions in text form with typographical emphasis, and the client has not objected to the change within a period of one month from receipt of the changes and he has been explicitly advised by the insurance broker in the letter of amendment that his silence is deemed to be acceptance of the change.

Succession

The customer already now consents to a possible contract transfer by another or further insurance broker, for example by selling or expanding the brokerage house. He agrees that in such a case the information and documents required for the mediation and support of future or existing transactions will be passed on.

Final provisions

Should a regulation of this agreement be or become ineffective or a loophole should emerge, this does not affect the effectiveness of the contract as a whole. Rather, the ineffective provision or the closing of the loophole must be supplemented by a regulation that comes closest to the intended purpose of the regulation. The place of performance and jurisdiction for all rights and obligations arising from this contract is the registered office of the insurance broker, insofar as both contracting parties are merchants or a legal entity under public law. German law applies.