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Privacy Policy

1. Data Protection at a glance

General Information

The following notes provide a simple overview of what happens to your personal data when you visit this website. Personal data refers to all data that can personally identify you. Detailed information on data protection can be found in our privacy policy listed below.

Data Collection on this Website

Who is responsible for data collection on this website?
The data processing on this website is carried out by the website operator. The operator's contact details can be found in the section "Note on the Responsible Party" in this privacy policy.

How do we collect your data?
Your data is collected, on the one hand, by you providing it to us. This can be data that you enter in a contact form, for example.
Other data is collected automatically or after your consent when visiting the website by our IT systems. These are mainly technical data (e.g. internet browser, operating system, or time of page access). The collection of this data takes place automatically as soon as you enter this website.

What do we use your data for?
Part of the data is collected to ensure error-free provision of the website. Other data can be used to analyze your user behavior. If contracts can be concluded or initiated via the website, the transmitted data will also be processed for contract offers, orders, or other requests.

What rights do you have regarding your data?
You have the right to receive information about the origin, recipient, and purpose of your stored personal data free of charge at any time. You also have the right to request the correction or deletion of this data. If you have given consent to data processing, you can revoke this consent at any time for the future. Furthermore, you have the right, under certain circumstances, to request the restriction of the processing of your personal data. You also have the right to lodge a complaint with the competent supervisory authority.

You can contact us at any time regarding this and other questions on the subject of data protection.

2. Hosting

We host the content of our website with the following provider:

IONOS
The provider is IONOS SE, Elgendorfer Str. 57, 56410 Montabaur (hereinafter referred to as IONOS). When you visit our website, IONOS collects various log files including your IP addresses. Details can be found in the IONOS privacy policy: ionos.de/terms-gtc/terms-privacy.

The use of IONOS is based on Art. 6 (1) lit. f GDPR. We have a legitimate interest in the most reliable presentation of our website possible. If consent has been requested, processing is carried out exclusively on the basis of Art. 6 (1) lit. a GDPR and § 25 (1) TTDSG, insofar as the consent includes the storage of cookies or access to information in the user's device (e.g. device fingerprinting) as defined by the TTDSG. Consent can be revoked at any time.

Order Processing
We have concluded a data processing agreement (DPA) for the use of the above-mentioned service. This is a contract required by data protection law, which ensures that this service only processes the personal data of our website visitors according to our instructions and in compliance with the GDPR.

3. General Information and Mandatory Disclosures

Data Protection

The operators of these pages take the protection of your personal data very seriously. We treat your personal data confidentially and in accordance with the statutory data protection regulations and this privacy policy.

When you use this website, various personal data is collected. Personal data is data with which you can be personally identified. This privacy policy explains what data we collect and what we use it for. It also explains how and for what purpose this is done.

We point out that data transmission on the internet (e.g. communication by email) can have security gaps. Complete protection of data against access by third parties is not possible.

Note on the Responsible Party
The responsible party for data processing on this website is:

Nico Glatz
Brückenstraße 19
63791 Karlstein
Phone: +49 170 6 98 91 90
Email: contact@exparanto.com

The responsible party is the natural or legal person who alone or jointly with others decides on the purposes and means of processing personal data (e.g. names, email addresses, etc.).

Storage Period
Unless a more specific storage period is specified within this privacy policy, your personal data will remain with us until the purpose for the data processing no longer applies. If you make a legitimate request for deletion or revoke your consent to data processing, your data will be deleted unless we have other legally permissible reasons for storing your personal data (e.g. tax or commercial law retention periods); in the latter case, deletion will take place after these reasons cease to apply.

General Information on the Legal Basis for Data Processing on this Website
If you have consented to data processing, we process your personal data on the basis of Art. 6 (1) lit. a GDPR or Art. 9 (2) lit. a GDPR, if special categories of data pursuant to Art. 9 (1) GDPR are processed. In the case of explicit consent to the transfer of personal data to third countries, data processing is also carried out on the basis of Art. 49 (1) lit. a GDPR. If you have consented to the storage of cookies or access to information on your device (e.g. via device fingerprinting), data processing is additionally based on § 25 (1) TTDSG. Consent can be revoked at any time. If your data is necessary for the fulfillment of a contract or for pre-contractual measures, we process your data on the basis of Art. 6 (1) lit. b GDPR. Furthermore, we process your data if it is necessary to fulfill a legal obligation on the basis of Art. 6 (1) lit. c GDPR. Data processing may also be carried out on the basis of our legitimate interest pursuant to Art. 6 (1) lit. f GDPR. The relevant legal basis in each individual case is explained in the following paragraphs of this privacy policy.

Recipients of Personal Data
In the course of our business activities, we work with various external parties. In some cases, this also requires the transfer of personal data to these external parties. We only pass on personal data to external parties if this is necessary for the fulfillment of a contract, if we are legally obliged to do so (e.g. transfer of data to tax authorities), if we have a legitimate interest in the transfer pursuant to Art. 6 (1) lit. f GDPR, or if another legal basis permits the data transfer. When using processors, we only pass on personal data of our customers on the basis of a valid data processing agreement. In the case of joint processing, a joint processing agreement is concluded.

Revocation of Your Consent to Data Processing
Many data processing operations are only possible with your express consent. You can revoke consent that has already been given at any time. The legality of the data processing carried out until the revocation remains unaffected by the revocation.

Right to Object to Data Collection in Special Cases and to Direct Marketing (Art. 21 GDPR)
If data processing is based on Art. 6 (1) lit. e or f GDPR, you have the right to object at any time, for reasons arising from your particular situation, to the processing of your personal data; this also applies to profiling based on these provisions. The respective legal basis on which processing is based can be found in this privacy policy. If you object, we will no longer process your personal data concerned unless we can demonstrate compelling legitimate grounds for the processing that outweigh your interests, rights and freedoms or the processing serves the assertion, exercise or defense of legal claims (objection pursuant to Art. 21 (1) GDPR).

If your personal data is processed for direct marketing purposes, you have the right to object at any time to the processing of your personal data for the purpose of such advertising; this also applies to profiling insofar as it is associated with such direct marketing. If you object, your personal data will subsequently no longer be used for direct marketing purposes (objection pursuant to Art. 21 (2) GDPR).

Right to Lodge a Complaint with the Competent Supervisory Authority
In the event of violations of the GDPR, data subjects have a right to lodge a complaint with a supervisory authority, in particular in the Member State of their habitual residence, place of work, or the place of the alleged violation. The right to lodge a complaint is without prejudice to other administrative or judicial remedies.

Right to Data Portability
You have the right to have data that we process automatically on the basis of your consent or in fulfillment of a contract handed over to yourself or to a third party in a common, machine-readable format. If you request the direct transfer of the data to another controller, this will only be done as far as it is technically feasible.

Access, Rectification, and Deletion
Within the framework of the applicable legal provisions, you have the right at any time to free information about your stored personal data, its origin and recipients, and the purpose of the data processing and, if applicable, a right to correction or deletion of this data. For this purpose, as well as for further questions on the subject of personal data, you can contact us at any time.

Right to Restriction of Processing
You have the right to request the restriction of the processing of your personal data. You can contact us at any time for this purpose. The right to restriction of processing exists in the following cases:

  • If you dispute the accuracy of your personal data stored with us, we usually need time to verify this. For the duration of the verification, you have the right to request the restriction of the processing of your personal data.
  • If the processing of your personal data was/is unlawful, you can request the restriction of data processing instead of deletion.
  • If we no longer need your personal data, but you need it to exercise, defend, or assert legal claims, you have the right to request the restriction of the processing of your personal data instead of deletion.
  • If you have objected pursuant to Art. 21 (1) GDPR, a balance must be struck between your interests and ours. As long as it has not yet been determined whose interests prevail, you have the right to request the restriction of the processing of your personal data.

If you have restricted the processing of your personal data, these data – apart from their storage – may only be processed with your consent or for the establishment, exercise, or defense of legal claims or for the protection of the rights of another natural or legal person or for reasons of important public interest of the European Union or a Member State.

SSL or TLS Encryption
This site uses SSL or TLS encryption for security reasons and to protect the transmission of confidential content, such as orders or inquiries that you send to us as the site operator. You can recognize an encrypted connection by the fact that the browser's address line changes from "http://" to "https://" and by the lock symbol in your browser line.

If SSL or TLS encryption is activated, the data you transmit to us cannot be read by third parties.

4. Data Collection on this Website

Cookies
Our internet pages use so-called "cookies". Cookies are small data packages and do not cause any damage to your device. They are stored either temporarily for the duration of a session (session cookies) or permanently (permanent cookies) on your device. Session cookies are automatically deleted after your visit ends. Permanent cookies remain stored on your device until you delete them yourself or your web browser automatically deletes them.

Cookies can come from us (first-party cookies) or from third-party companies (so-called third-party cookies). Third-party cookies enable the integration of certain services from third-party companies within websites (e.g. cookies for handling payment services).

Cookies have various functions. Many cookies are technically necessary, as certain website functions would not work without them (e.g. the shopping cart function or displaying videos). Other cookies may be used to analyze user behavior or for advertising purposes.

Cookies, which are necessary to carry out the electronic communication process, to provide certain functions you request (e.g. for the shopping cart function) or to optimize the website (e.g. cookies to measure the web audience) are stored on the basis of Art. 6 (1) lit. f GDPR, unless another legal basis is specified. The website operator has a legitimate interest in storing necessary cookies for the technically error-free and optimized provision of his services. If consent to the storage of cookies and comparable recognition technologies has been requested, processing is carried out exclusively on the basis of this consent (Art. 6 (1) lit. a GDPR and § 25 (1) TTDSG); consent can be revoked at any time.

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, as well as activate the automatic deletion of cookies when closing the browser. If cookies are deactivated, the functionality of this website may be limited.

Which cookies and services are used on this website can be found in this privacy policy.

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 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 collection of this data is based on Art. 6 (1) lit. f GDPR. The website operator has a legitimate interest in the technically error-free presentation and optimization of his website – for this purpose the server log files must be collected.

Request by Email, Phone, or Fax
If you contact us by email, telephone, or fax, your inquiry, including all resulting personal data (name, inquiry), will be stored and processed by us for the purpose of handling your request. We do not pass on this data without your consent.

The processing of this data is based on Art. 6 (1) lit. b GDPR if your request is related to the fulfillment of a contract or is necessary for the implementation of pre-contractual measures. In all other cases, the processing is based on our legitimate interest in the effective handling of inquiries addressed to us (Art. 6 (1) lit. f GDPR) or on your consent (Art. 6 (1) lit. a GDPR) if this has been requested; consent can be revoked at any time.

The data you send us via contact requests will remain with us until you request us to delete it, revoke your consent to storage, or the purpose for data storage no longer applies (e.g. after your request has been processed). Mandatory statutory provisions – in particular statutory retention periods – remain unaffected.

Online Appointment Booking
You can book a free consultation directly on this website. The details you enter (first name, last name, email address, telephone number, your chosen appointment and, if provided, your description of what you would like to talk about) are transmitted to our appointment system hosted at devk.markusrink.de and stored there. We use this data solely to arrange, prepare, confirm and, where necessary, reschedule or cancel your appointment. After booking you receive a confirmation email with a calendar invitation and a personal link that lets you change or cancel the appointment yourself.

The legal basis is Art. 6 (1) lit. b GDPR, as the processing is carried out at your request in order to take steps prior to entering into a contract. Your appointment data is deleted once it is no longer required for the purpose described above, unless statutory retention periods apply. Your details are not passed on to an insurer without your agreement.

Online Quote Requests
This website offers a guided questionnaire for requesting a personal insurance quote. The answers you give in the questionnaire, together with the contact details you provide (name, email address, telephone number and your preferred way of being contacted), are transmitted to our advisory system hosted at devk.markusrink.de and stored there as an enquiry for your personal advisor. We use this data solely to prepare your individual quote and to contact you about it.

The transmission only takes place after you have explicitly confirmed it on the summary page. The legal basis is your consent (Art. 6 (1) lit. a GDPR) and Art. 6 (1) lit. b GDPR for steps taken prior to entering into a contract. You may withdraw your consent at any time with effect for the future. Your enquiry is deleted once it is no longer required for the purpose described above, unless statutory retention periods apply. Your details are not passed on to an insurer without your agreement.

Communication via WhatsApp
We offer users the option to contact us via WhatsApp. By clicking on the provided WhatsApp link, you will be redirected to the service of WhatsApp Ireland Limited, 4 Grand Canal Square, Grand Canal Harbour, Dublin 2, Ireland, which is part of Meta Platforms. When you use WhatsApp, personal data (such as your phone number, messages, and metadata) is transmitted to WhatsApp and may also be processed on servers in third countries (especially the USA). We have no influence on this data processing by WhatsApp.

The use of WhatsApp is voluntary. We process the data provided by you via WhatsApp solely for the purpose of responding to your request. The legal basis for this data processing is your consent (Art. 6 (1) lit. a GDPR) or, if the contact aims at the conclusion or performance of a contract, Art. 6 (1) lit. b GDPR. You can revoke your consent to communication via WhatsApp at any time with effect for the future. In such a case, we will continue the communication through another channel.

Further information on data processing by WhatsApp can be found in the WhatsApp privacy policy: whatsapp.com/legal/privacy-policy

Status: 04.09.2026