This publication is available exclusively to Munich Re clients. Please contact your Client Manager.
Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München (hereinafter: “Munich Re”) knows that it is important to you to be able to maintain your privacy while visiting our website. It is in our mutual interests that we take our responsibility to guarantee the privacy of your data very seriously, in compliance with the applicable provisions of data protection law. We use state-of-the-art technology to communicate with you while keeping your data secure.
The following data protection notice applies to Munich
Re’s internet presence. This website
contains links to third-party websites (external links). These
websites are the responsibility of the respective operators. Should
you notice that our website contains a link to a site whose content
violates applicable law, please let us know at email@example.com.
We will then remove such link from our website without delay.
Munich Re assumes no responsibility as to the topicality,
correctness, completeness or quality of the information
We would hereby like to explain how your personal data will be processed when you visit Munich Re’s website, and to inform you of your rights under data protection law.
Aktiengesellschaft in Munich
80802 München, Germany
You may contact our Data Protection Officer at
Officer” at the aforementioned address, or
via the e-mail address firstname.lastname@example.org.
You are generally free to visit our website anonymously. Munich
Re does not save any personal or traceable data (e.g. IP addresses)
of visitors to its website. We collect impersonal data about visits
to our website (date, time, pages visited, navigation, software
used) to have user habits anonymously analysed by an external
service provider. The data is rendered anonymous before it is saved
by the service provider.
If you disclose your personal data to us in specific circumstances (for example, by filling out a contact form), we handle such data confidentially, in accordance with the data protection regulations in effect at our Company’s registered office. If you send us an e-mail, or if you complete and submit an on-line form on our website, we will use any personal data you provide (such as your name or e-mail address) only to correspond with you, to send you the information you requested, or for the other purpose(s) stipulated on the particular form.
For legal or technical reasons, personal data may also be
collected and communicated to us in an encrypted form from areas on
our website that are accessible only to users with special
authorisation (for example, the shareholder portal or job
application portal). The amount of data collected depends on the
For every application or process with which we collect your personal data, we will provide an individualised privacy statement to inform you about the processing of your data.
We process your data on the basis of the provisions of the EU
General Data Protection Regulation (GDPR), the German Federal Data
Protection Act (BDSG), the Telemedia Act (TMG) and all other laws
applicable to the processing of personal data.
The substantive legal grounds for the processing depend on the context and the purpose for which we collect your data.
As a rule, we collect and process your personal data to
communicate with you and send you the information that you request.
This may be necessary, in the context of a contractual
relationship, to fulfil a contract or during the pre-contractual
process (for example, job application process), or at your request.
Where the applications are restricted-access (for example the job
applicant portal), the user or data
subject’s consent may constitute the legal
grounds. You may revoke such consent at any time. Any processing
done before the revocation would remain valid, however.
Within Munich Re, only those staff and departments who are
responsible for the respective process will receive your data. The
data may also be disclosed to service providers for the purposes
set out above. Using service providers is necessary, for example,
for the administration and maintenance of our IT systems. We also
use external service providers for support when managing job
applicants, for example. If we process any of your personal data
for certain purposes, you will receive a notice about how exactly
your data is being used.
Service providers that we use to send you the requested
information (such as brochures by mail, issuing newsletters) will
receive your required personal data (e.g. postal services receive
your name and address).
A list of all service providers that we use for data processing can be found under Section 6, and also is available for downloading.
If personal data needs to be transferred to service providers or Group companies outside the European Economic Area (EEA), this will be done only if the European Commission has confirmed that the respective country’s level of data protection is sufficient, or if data protection is otherwise sufficiently guaranteed (for example through standard EU contractual clauses, Privacy Shield). You may also request the information from the aforementioned contact person.
We have state-of-the-art technical and organisational security
measures to protect data against accidental or intentional
manipulation, loss, destruction, and access by unauthorised
parties. We use Secure Socket Layer (SSL) encryption to protect any
information you enter in dialogue forms on our web pages. SSL
encryption protects your data against unauthorised third-party
access during transfer. You can recognise an encrypted connection
by the change in your browser address line from
“https://”, and the
padlock symbol appearing in your browser window.
For your own security, please always use our contact forms. If
you send us unencrypted data in a normal, unprotected e-mail, it is
possible that unauthorised parties may gain knowledge of or modify
your data during transmission via the internet.
At the address indicated above, you may request information about the personal data we have stored under your name. In addition, under certain conditions you may request that your data be deleted or corrected. Furthermore, you may also have a right to restrict the processing of your data and a right to disclosure of the data you have made available in a structured, common and machine-readable format.
If we process your data for the purposes of safeguarding legitimate interests, you may object to this processing on grounds relating to your particular situation. We will no longer process your personal data unless we can demonstrate compelling legitimate grounds for the processing that override your interests, rights and freedoms, or if the processing serves the assertion, exercise or defence of legal claims.
If you have a complaint, you may contact the aforementioned Data
Protection Officer, or the state data protection authority. The
authority responsible for us is:
Data Protection Authority of Bavaria for the Private Sector
(Bayerisches Landesamt für
91522 Ansbach, Germany:
We will delete your personal data as soon as it is no longer required for the purposes set out above, and no legal documentation or retention requirements apply, for example in the German Commercial Code (HGB), fiscal laws or the General Tax Code (AO). Further details can be found, where applicable, under the respective types of data processing.
You are not required to provide personal data when accessing Munich Re’s website. However, there are services for which we require personal data from you – for example, to send you information, a newsletter you have requested, details about a contract, or to take your application into account for a job opening. Without this data, Munich Re cannot carry out the services you request. We collect only the data that is required in a particular case. Where we do process your personal data, we will inform you separately about the purposes, recipients, legal basis and any other rights you may have.
While you are on-line, your computer saves so-called cookies.
These are small files that control how our website is displayed and
operates. Cookies do not damage your computer and do not contain
viruses. Cookies serve to make our internet presence more
user-friendly, effective and secure.
Most of the cookies we use are “session
cookies” which are automatically deleted as
soon as you leave the site. Other cookies remain on your computer
until you delete them. Such cookies allow us to recognise your
browser the next time you visit and the browser settings let
offer you the best possible experience on our website.
We therefore save them and analyse their data – although they do not identify you personally. This improves the usefulness of our website. We perform anonymous statistical analyses of our internet presence, and do not identify you personally.
You can change your browser settings so that you are notified
when cookies are being used, and you can allow them only once, or
refuse them in certain cases or completely. You may also activate
the automatic deletion of cookies when you close your browser.
Deactivating cookies may restrict website functionality.
The information that your browser automatically sends us is collected automatically and saved in server log files. They contain:
This data cannot be traced to individual people. We do not merge
this data with other data sources. We reserve the right to review
the information subsequently, and report it to authorities (such as
the police or public prosecutor’s office),
if there are concrete indications that our internet presence is
being used illegally (for example, a hacking attack on our
Social media functions and social plug-ins are embedded in our
website in the form of small icons. We currently embed the
following social networks on our websites as icons: Twitter,
Google+, LinkedIn, Facebook and XING.
By default, Munich Re exclusively embeds deactivated icons,
which do not contact the servers of these external networks when
Munich Re’s website is accessed. The
buttons become active and create a connection only if you
deliberately click an icon, thus indicating your consent to
communicating with such providers. By entering your personal login
data to these networks, you create a connection to your
You thus leave Munich Re’s internet
presence and our sphere of influence. Munich Re does not record
which external network you activate. The next time you visit Munich
Re’s website, the social media plug-ins
return to their inactive modus, ensuring that no data is
automatically communicated to social media upon such return
When you interact with the social plug-ins
– for example, by entering a comment
– a corresponding notification is sent to
the social network and saved in accordance with the respective
network’s policy. Please consult the
respect social network’s data protection
statement with regard to the scope and purpose of the data
collected, its use and processing, as well as your respective
rights and options in protecting your privacy.
The e-mail address you provide will be used by Munich Re to reply to you with the information you request. Any confidential information will be encrypted or, if this is not possible, sent to you by regular mail. If the contents of the e-mail refer to a contractual relationship, Munich Re will save the e-mail. The e-mail address will be saved exclusively for corresponding with you, and not disclosed to third parties. You will never receive an unsolicited e-mail from us. As a result, should you nevertheless receive any unsolicited e-mail that purports to be from us, it is fraudulent and should be deleted. Before you send Munich Re an unencrypted e-mail, please remember that its contents are not protected against unauthorised access or manipulation. For this reason, we recommend using our contact form to send any messages to Munich Re.
Munich Re will inform you when it collects your data while you use its website (job applications, subscribing to newsletters, responding to surveys, etc.) You will find information on the processing of your personal data – outside of our website as well – here .
We use external service providers to operate some parts of our
website. The categories of service providers can be found in the
The continual improvement of our website, and the use of new technology, make it necessary to amend our data protection notice from time to time. When visiting our website, please read the current version of our data protection notice (current version: May 2018).
You may view the previous version (dated 16 February 2016) here previous version (dated 16 February 2016)
This publication is available exclusively to Munich Re clients. Please contact your Client Manager.