United RE

United Re is a boutique reinsurance broking firm focusing on specialty lines. The company's founders are united in their belief that today's clients' needs are changing, market dynamics are accelerating at a pace never seen before, thus a new perspective on risk placement is required.

United RE Rückversicherungsmakler und -beratungs GmbH
E-Mail: office[at]unitedre.at
Address: Am Hof 13/2, 1010 Wien

Homepage: www.unitedre.at
Trade register number: 38105753
Firmenbuchnummer: FN 533991 g
Fachgruppe: Versicherungsmakler und Berater in Versicherungsangelegenheiten

GENERAL INFORMATION
We would like to point out that despite all careful research, we cannot accept any liability for links to third-party offers. Image credits: All logos used are registered trademarks of the respective company unless otherwise stated. The images were purchased from www.stockxpert.com unless otherwise stated.

Liability for links
Our offer contains links to external third-party websites over whose content we have no influence. Therefore, we cannot accept any liability for this external content. The respective provider or operator of the pages is always responsible for the content of the linked pages. The linked pages were checked for possible legal violations at the time of linking. Illegal content was not recognizable at the time of linking. However, permanent control of the content of the linked pages is not reasonable without concrete evidence of a legal violation. If we become aware of any legal violations, we will remove such links immediately.

Copyright
The content and works on these pages created by the site operators are subject to EU copyright law. Duplication, processing, distribution and any type of exploitation outside the limits of copyright law require the written consent of the respective author or creator. Downloads and copies of this page are only permitted for private, non-commercial use. Insofar as the content on this page was not created by the operator, the copyrights of third parties are observed. In particular, third-party content is marked as such. Should you nevertheless become aware of a copyright infringement, we ask you to notify us accordingly. If we become aware of any infringements, we will remove such content immediately.

Data protection
Using our website is generally possible without providing personal data. If personal data (such as name, address or email addresses) is collected on our website, this is always done on a voluntary basis wherever possible. This data will not be passed on to third parties without your express consent. We would like to point out that data transmission on the Internet (e.g. when communicating by email) can have security gaps. Complete protection of data against access by third parties is not possible. The use of contact data published as part of the imprint obligation by third parties to send unsolicited advertising and information materials is hereby expressly prohibited. The operators of the website expressly reserve the right to take legal action in the event of unsolicited advertising information being sent, for example through spam emails.

Information sheet on data protection (Art. 13ff GDPR)
Data protection is important to us. We therefore assure you that we process your personal data in compliance with the principle of "good faith" and only for the purposes listed below. We also confirm that we have taken appropriate technical and organizational measures to protect your data and to be able to fulfill our obligations under the GDPR and the Data Protection Adaptation Act 2018.
In accordance with Art. 13 ff GDPR, we would also like to provide you with the following information on the processing of your personal data and on your related rights:

Responsible person:
United RE Rückversicherungsmakler und -beratungs GmbH
Am Hof 13/2, 1010 Wien
Geschäftsführer: Markus Borsody;
E-Mail: markus.borsody[at]unitedre.at

Purpose:
Insurance brokerage and advice on insurance matters: in particular the preparation and conclusion of insurance contracts, assistance in the administration and fulfillment, in particular in the event of a claim, furthermore the brokerage of building savings contracts; customer administration and customer support; advertising measures, provided we have a declaration of consent from you; fulfillment of contractual obligations; fulfillment of legal obligations or protection of legal interests.

Legal basis:
Insurance broker contract/power of attorney; legitimate interest, legal basis, declaration of consent if applicable.

Data categories:
Contact details/personal data (name, address, email address, date of birth, telephone number, gender); identification data (ID data, vehicle registration number, policy number); financial data/account data (bank details, possibly data on creditworthiness, assets); documentation data (official records, reports, judgments); health data (data from medical records, provided there is a declaration of consent); other personal data (hobbies, etc.).

Storage period:
If we have a contractual relationship with you, the data we collect will remain stored in compliance with all technical and organizational protective measures. If the contractual relationship with you is terminated, personal data will be deleted after the expiry of the statutory retention and documentation obligations and the statutory limitation periods, which can be up to 30 years in certain cases, for example under the General Civil Code.

Categories of recipients:
Own company, in particular customer management, claims processing, accounting, customer service; insurance companies; processors, IT officers; financing companies; building societies; other service providers of the controller such as tax consultants or, if applicable, lawyers, authorities, etc.; Transmission to recipients in a third country (outside the EU) or to an international organization is not planned.

Source of the data:
We have collected your personal data from you. We would also like to inform you or point out that you, as the data subject within the meaning of the GDPR, have the right to information, deletion, restriction, correction, data minimization and data portability as well as objection.
You have the right to object if we process your personal data based on our legitimate interest and you do not agree to this processing for reasons arising from your particular situation. You can also assert your right to object if we process your data for direct advertising and you no longer agree to this processing for advertising purposes.
To exercise your rights, please contact the person responsible named above. We would also like to point out that you have the right to lodge a complaint with the supervisory authority (data protection authority) if you believe that we have violated data protection. We are of course available to answer any questions or provide information at any time.

If we have a contractual relationship with you, the data we collect will remain stored in compliance with all technical and organizational protective measures. If the contractual relationship with you is terminated, personal data will be deleted after the expiry of the statutory retention and documentation obligations and the statutory limitation periods, which can be up to 30 years in certain cases, for example under the General Civil Code.

Own company, in particular customer management, claims processing, accounting, customer service; insurance companies; contract processors, IT officers; financing companies; building societies; other service providers of the responsible party such as tax consultants or, if applicable, lawyers, authorities, etc.; Transmission to recipients in a third country (outside the EU) or to an international organization is not planned.
We have collected your personal data from you.

We would also like to inform you or point out to you that as a data subject within the meaning of the GDPR you have the right to information, deletion, restriction, correction, data minimization and data portability as well as objection.
You have the right to object if we process your personal data based on our legitimate interest and you do not consent to this processing for reasons arising from your particular situation. In any case, you can also assert the right to object if we process your data for direct advertising and you no longer consent to this processing for advertising purposes.
To exercise your rights, please contact the person responsible listed above. We would also like to point out that you have the right to lodge a complaint with the supervisory authority (data protection authority) if you believe that we have violated data protection. We are of course available to answer any questions or provide information at any time.

Google Analytics Terms of Use
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(im Folgenden "der Versicherungsmakler")

Preamble (1) The insurance broker arranges insurance contracts between the insurance company on the one hand and the insurance customer on the other, independently of his or her own interests or those of third parties, in particular independently of the insurance company (insurer). The insurance broker commissioned by the insurance customer to protect his interests in private and/or business insurance matters acts for both parties to the insurance contract, but must primarily protect the interests of the insurance customer.
(2) The insurance broker provides his services in accordance with the statutory provisions, in particular the Brokerage Act, these General Terms and Conditions (hereinafter "GTC") and an insurance brokerage contract concluded with the insurance customer, with the care of a prudent entrepreneur.

§ 1
Scope (1) The General Terms and Conditions apply from the conclusion of the contract between the insurance broker and the insurance customer and supplement any insurance brokerage contract concluded with the insurance customer.
(2) The insurance customer declares his consent that these General Terms and Conditions form the basis of the entire contractual relationship between him and the insurance broker as well as all insurance brokerage contracts to be concluded in the future.
(3) The activities of the insurance broker are limited to Austria, unless expressly agreed otherwise in individual cases.

§ 2
The Duties of the Insurance Broker (1) The insurance broker undertakes to prepare an appropriate risk analysis for the insurance customer and, based on this, to develop an appropriate coverage concept. The customer acknowledges that this risk analysis and the coverage concept are based exclusively on the customer's information and any documents provided to the insurance broker and that incorrect and/or incomplete information provided by the insurance customer will therefore prevent the development of an appropriate coverage concept.
(2) The insurance broker must advise and inform the insurance customer professionally and in accordance with the customer's respective needs and arrange the best possible insurance cover according to the circumstances of the individual case. The insurance customer acknowledges that the protection of the insurance customer's interests is generally limited to insurance companies with a branch in Austria and that foreign insurance companies are therefore only included in the event of an express order from the insurance customer for a separate fee due to the correspondingly increased effort.
(3) The best possible insurance cover is arranged by the insurance broker with an appropriate processing time and taking into account the price-performance ratio. When selecting an insurance policy, in addition to the amount of the insurance premium, the insurance company's expertise, its management of claims settlement, its willingness to make goodwill, the contract term, the possibility of terminating the claim and the amount of the deductible can be used as assessment criteria.

§ 3
Customer's duty to inform and cooperate (1) In order to provide the services described in Section 2 carefully and conscientiously, the insurance broker requires all relevant information and documents available to the customer in order to make a well-founded assessment of the individual circumstances and to be able to provide the customer with the best possible insurance cover in the circumstances of the individual case. For this reason, the insurance customer is obliged to provide the insurance broker with all documents and information required for the performance of the services in a timely and complete manner and to inform the insurance broker of all circumstances that may be relevant to the services provided by the insurance broker as described in Section 2.
(2) The insurance customer is obliged, if necessary, to take part in a risk inspection by the insurance broker or the insurance company after prior notification and appointment and to point out any special risks on his own initiative.
(3) The insurance broker can use the information and documents received from the customer after thorough inquiries as the basis for the further provision of his services to the customer, provided that they do not contain manifestly incorrect content.
(4) The insurance customer acknowledges that an insurance application signed by him or on his behalf by the insurance broker does not yet provide insurance cover, but rather that this still requires acceptance by the insurance company, so that there is an uncovered period between the signing of the insurance application and its acceptance by the insurer. can.
(5) The insurance customer, unless he is to be regarded as a consumer within the meaning of the Consumer Protection Act, undertakes to check all insurance documents transmitted through the insurance broker for factual inconsistencies and any deviations from the original insurance application and, if necessary, to inform the insurance broker of this for correction.
(6) The insurance customer acknowledges that a report of damage or an inspection order does not result in a promise of cover or benefits from the insurer.

(7) The insurance customer acknowledges that, as the policyholder, he has obligations under the law and the applicable insurance conditions in the event of an insured event, non-compliance with which can lead to the insurer being released from liability.

§ 4
Deliveries, electronic correspondence (1) The delivery address of the insurance customer is the address last provided to the insurance broker.
(2) The insurance customer acknowledges that due to isolated, technically unavoidable errors, the transmission of emails may result in data being lost, falsified or made known. The insurance broker accepts liability for these consequences only if they are at fault. Receipt of emails does not result in provisional cover and has no effect on the acceptance of a contract offer.

§ 5
Copyrights The customer acknowledges that every concept created by the insurance broker, in particular the risk analysis and the coverage concept, is a work protected by copyright. Any distribution, changes or additions as well as passing on to third parties require the written consent of the insurance broker.

§ 6
Liability Note: the following liability provisions only apply in the b2b area, not in relation to consumers:

The insurance broker is liable for any material and financial damage to the insurance customer only in the event of intent or gross negligence. In the event of intent, liability also applies for lost profits. The insurance broker's liability is in any case limited to the amount of the coverage of the insurance broker's existing professional liability insurance. Claims for damages against the insurance broker must be asserted within six months of knowledge of the damage.

§ 7
Confidentiality, (1) The insurance broker is obliged to treat confidential information that he becomes aware of as a result of the business relationship with the customer as confidential and to keep it secret from third parties. The insurance broker is obliged to impose this obligation on his employees as well.

The protection of the customer's personal data is an important concern for the insurance broker. Data processing takes place exclusively in compliance with the statutory provisions (GDPR, Data Protection Act) and on the basis of the contract concluded with the customer and, if applicable, a declaration of consent given by the customer.

§ 8
Insurance customer’s rights of withdrawal (1) According to Section 3 of the Consumer Protection Act (KSchG), the customer is entitled to withdraw from his contract application or from the contract if his contract declaration is made outside the contractor's business premises or a stand at a trade fair. This withdrawal can be declared up until the contract is concluded or within 14 days thereafter. The period begins with the delivery of this contract document, but at the earliest with the conclusion of this contract. The right of withdrawal expires in the case of insurance contracts no later than one month after the contract is concluded.
(2) The declaration of withdrawal is not bound to any specific form. The withdrawal period is observed if the declaration of withdrawal is sent within the period.

§ 9
Final provisions (1) Should individual provisions of these General Terms and Conditions be or become invalid or unenforceable, this shall not affect the remainder of the contract. In the b2b area (business transactions), in such a case the invalid or unenforceable provision shall be replaced by one that comes as close as possible to the economic purpose of the unenforceable or invalid provision.
(2) The contracts between the insurance broker and the insurance customer are subject to Austrian law. For any disputes arising from or in connection with this contract - with the exception of consumers within the meaning of the Consumer Protection Act - the court in whose district the insurance broker's place of business is located shall have jurisdiction. The insurance broker is, however, entitled to bring any action before any other court with substantive jurisdiction. Notwithstanding this, for consumers within the meaning of the Consumer Protection Act the court in whose district the consumer's place of residence, habitual abode or place of employment is located shall have jurisdiction.

Solutions for Specialty Lines:

• Facultative Reinsurance
• ART for Program Underwriting
• Financial Institutions
• Professional Risks
• Trade Credit
• Complex Property & Casualty
• Parametric / Index Insurance
• Cyber
• M&A

United RE Rückversicherungsmakler und -beratungs GmbH is an Appointed Representative (Financial Supervisory Authority reference number ..........)

United RE Rückversicherungsmakler und -beratungs GmbH is a company registered in Austria under company registration number FN 533991 g