Data protection

Protecting your privacy and personal data is important to us. As we want to avoid collecting personal data about you without your knowledge and express consent, below is a description of the kind of information we would record and the purposes for which we would use it.

You have the option to use our internet service essentially anonymously. Munich Re does not save personal or person-relatable data (for example, IP addresses) of site users. When you visit our internet pages, we collect anonymised data for analysis of user behavior (such as the date, time, pages visited, navigation, and software used) by an external service provider acting on our behalf ( "anonymised user data"). The data are anonymised prior to being stored by the service provider.

If you give us your personal information, we will treat it confidentially in accordance with data protection regulations  applicable at the Company's headquarters. If you send us an e-mail or fill out an online form on our website and send it to us, we will process your specified personal data (e.g. your name or e-mail address) exclusively for correspondence with you in order to send you the requested documents or information, or for the other purposes mentioned in the applicable form. This personal information will not be disclosed to third parties. Areas of our website that are reserved for users with special access (such as the Shareholder Portal) and that record additional personal data for technical and/or legal reasons, contain a special notice to inform visitors of this fact.

^{Munich Re uses cookies. These help us to control and optimize the user-friendliness of the site. Cookies are small text files that are stored on your computer and save certain settings and data for exchange with our system via your browser. When you open individual pages, we use temporary cookies (so-called “session cookies”) to facilitate navigation. These session cookies do not contain personal data and are deleted after the session.}

We also collect information on the use of our website through the use of so-called “browser cookies”, which help us to improve our website and offer you a better and more tailored service. They enable us to recognize your computer when you return to our site and thereby make any previous settings available  or store information about your favorite activities on the site in order to tailor our website to your individual interests. This includes for example the choice of the language in which our website will be presented to you.

Only the above-mentioned information about your use of the Website is stored in the cookies we use. The information is not linked to you personally, but rather an identification number is assigned to the cookie ("cookie-ID"). A merger of the cookie ID with your name, IP address or similar information that would allow an assignment of cookies to you personally does not take place, unless you have given your consent to Munich Re.

You are basically free to decide whether to allow or disable cookies in your browser settings. You can delete cookies already on your computer. It is only essential in a few areas of our site (for example, online application, contact forms, shareholder portal) that your browser allows session cookies in order to ensure a secure connection.

We take appropriate, up-to-date technical and organisational security measures to protect data against accidental or intentional manipulation, loss, or destruction, and against access by unauthorised persons.

We use Secure Socket Layer (SSL) encryption to protect any information you enter in dialog forms on our web pages. SSL encryption protects the data you send us against unauthorised third-party access. For your own security, please always use these dialog forms. If you send us unencrypted data in a standard, unprotected e-mail, it is possible that unauthorised persons may gain knowledge of or modify your data while it is being transferred through the internet.

If you have any further questions relating to data protection in connection with Munich Re's website or regarding the processing of your personal data, please contact Munich Re’s Data Protection Officer at the following address:

Münchener Rückversicherungs-Gesellschaft
Aktiengesellschaft in München
Chief Data Protection Officer
80791 München
Germany

or by sending an e-mail to: datenschutz@munichre.com

The ongoing development of our website makes it necessary to amend our privacy statement from time to time. When visiting our website, please take note of the latest version of our privacy statement (current status: 16 February 2016).

Most of the cookies we use are session cookies. They are automatically deleted at the end of your visit. Other cookies, such as those used for statistical evaluations, remain on your terminal device until you delete them. These cookies allow us to recognise your browser the next time you visit.
 

• JSESSIONID, www.munichre.com, the session ID for internal use on the server, specifically used for load distribution, is removed at the end of your browser session.
  
• munichre_com_cookies_accepted,, www.munichre.com, registers the “read” status of the cookie banner, duration 60 months

• munichre_com_stat_opt_out, www.munichre.com, registers an opt out from statistical evaluation, duration 10 years
• s_ecid, contains a copy of the Adobe Experience Cloud ID for visitor identification using Adobe Analytics, duration 24 months
• AMCV_###AdobeOrg, contains the unique Adobe Experience Cloud user ID for visitor identification using Adobe Analytics, duration 24 months
• s_cc, Session-Cookie, detects whether cookies are permitted, and is removed at the end of the browser session.
• s_sq, Session-Cookie, registers the last link clicked, and is removed at the end of the browser session.
• s_vi, contains a unique visitor ID for visitor identification using Adobe Analytics, duration 24 months
• s_fid, contains a copy of the unique visitor ID for visitor identification using Adobe Analytics, duration 24 months

3.2 Server log files

The information that your browser automatically sends us is collected automatically and saved in server log files. They contain:

• Browser type and version
• Operating system used
• Referrer URL (the URL that the user comes from)
• Host name (network name) of the accessing computer
• Time of server request

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 network).

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 identity.

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 visit.

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 Download section.

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)