Terms and Conditions


Europa Re grants users online access to www.europa-re.com (The Website) via the internet. By utilizing The Website, a user accepts these terms and conditions of use.

SECTION 1 – Access to The Website
1.1 Europa Re offers access to The Website and its various contents only within the framework of its operational availability. The user accepts that there may be disruption to and interruptions in the provision of the services due to enhancement and maintenance work or other type of work on the website.
1.2 Europa Re shall have the right to exclude the user from further use of The Website for material reasons.

SECTION 2 – Rights of Use
2.1 All intellectual property rights (e.g. copyrights, trademarks and database rights) in connection with The Website shall belong to Europa Re. Other than expressly stated in these terms and conditions, the user shall not have any rights in connection with The Website and its content.

SECTION 3 – Warranty and Liability
3.1 The user acknowledges that Europa Re makes no representation or warranty of any kind, either express or implied, with respect to The Website or the information provided therein, including, without limitation, representations and warranties relating to originality, accuracy, completeness, reliability, merchantability, fitness for a particular purpose or warranties related to possible violations of intellectual property rights of third parties.

3.2 Accordingly, all warranty and liability claims by the User against Europa Re arising out of or in connection with the user’s use The Website or the content provided therein shall be excluded to the extent permissible by law. Liability shall be excluded in particular (but without limitation) for loss or damage suffered by the user in the event of negligence (but not gross negligence and willful misconduct), with regard to the involvement of auxiliary parties, where Europa Re merely provides access to or stores third-party content for its users, for prohibited acts on the part of third parties (hacker attacks or computer viruses) and for software or other errors or interruptions of The Website.

SECTION 4 – Data Protection
4.1 Europa Re shall adhere to the data-protection and data-security laws and regulations governing at its place of domicile.

4.2 Who is Europa Re
Europa Re AG (Europa Re) is a reinsurance company registered in Zug, Switzerland with Representative Offices in Republic of Albania and Republic of North Macedonia.
Europa Re writes world-wide commercial property casualty lines as a traditional reinsurer and additionally, provides support to the emerging insurance markets that includes an exhaustive array of technical assistance services tailored to highly specific needs of its clients and partners.
To run its business Europa Re processes personal data.
For the purpose of the present notice, should you require additional information or wish to exercise your data protection rights please contact Europa Re at:
  Suurstoffi 2, 6343 Rotkreuz, Canton of Zug, Switzerland

4.3 Purpose and legal basis of processing
Europa Re collects and processes only the personal data necessary for the purpose of conducting its business and only for the reason it was collected and/or any other reasons permissible by law:
• As a reinsurer, Europa Re may receive details on insurance agreements concluded between individuals and primary insurance companies or claims arising from such agreements, from insurers, for the performance or termination of the reinsurance agreements. Such data would generally be either anonymized or pseudonymised. Personal data is received by Europa Re only to the extent it is necessary. For example, such data may be necessary if Europa Re reviews individual large claims documentation and processing to enable payments to insurance companies. To receive payments from its own reinsurance coverage Europa Re may need to share with retrocessionaires information like the one above obtained by Europa Re from insurance companies.
• Concluding (including the pre-contract stages such as assessing suitability of applications received for advertised positions) and administrating contracts of Europa Re employees/contractors. The administration of such contracts includes but is not limited to activities such as: collecting personal documents, issuing internal documents (e.g. contract, notifications), drawing up personal files, entering data into the IT/accounting systems, salary and leave administration, administration of benefits (e.g. pension, accident insurance), issuance of various certificates/VISA related documents/working permits applications.
• Personal data may be processed also for the following purposes:
- Fulfilling the legal or regulatory obligations of Europa Re such as reports submitted to law enforcement authorities and transmission of data at the request of various government authorities or regulatory bodies.
- Following a legitimate interest of Europa Re, but only in cases where data subjects‘ interests or fundamental rights and freedoms are not affected. Examples of possible legitimate interests of Europa Re: prevention of fraud and anti-money laundering attempts, reporting of material and / or financial damages, maintenance of accurate records.
- Protect Europa Re's legal right to exercise legal actions or defend itself in the event of legal proceedings

For other purposes not mentioned above, the explicit consent of individuals will be requested to use personal data.
To the extent that Europa Re processes any sensitive personal data, it will do so because: - The processing is necessary to carry out its obligations under applicable laws - The processing is necessary for the establishment, exercise or defence of a legal claim - The processing is necessary for reasons of substantial public interest or - The individuals have given their explicit consent to Europa Re to process that information

4.4 Categories of recipients of personal data
To fulfil the purposes indicated in Section II above Europa Re makes available personal data to its personnel on a need to know basis and to third parties such as: • Any national and/or international regulatory, enforcement or court where Europa Re is required to do so by applicable law or regulation or at their request
• Europa Re service providers (e.g. IT service providers, hosting providers, financial institutions, lessors, professional trainings providers, legal advisors, auditors)
• Europa Re business partners (e.g. brokers, reinsurance companies)

4.5 Categories of personal data which is processed and origin of such data
Depending on the nature of the relationship established (directly or indirectly) between Europa Re and individuals (data subjects), the company may collect and process
• Information such as surname and name, personal identification number, date and place of birth, domicile/residence address, nationality, visa status, ID card/passport number, email account, telephone number, bank details, professional qualifications, professional and education history, IP address, cookies
• Sensitive personal data: health data, social security measures and data on administrative or criminal proceedings and sanctions
Such data may be obtained directly from the individuals whose data is processed, or from various sources such as insurance companies Europa Re works with, other reinsurance companies or retrocessionaires, business partners Europa Re works with (such as brokers, intermediaries), third parties claims handlers that may be assisting in the investigation of claims, publicly available records and databases as permitted by law, former employers, referees, head hunting agencies, healthcare service providers etc. Part of such data can be also produced during the contractual relationship with Europa Re such as invoices, annual performance evaluations, remuneration, leave information, as applicable.

4.6 How Europa Re protects personal data
All Europa Re personnel accessing personal data must comply with the internal rules and procedures in relation to the processing of personal data, to protect and ensure confidentiality thereof. Europa Re has implemented adequate technical and organisational measures to protect personal data against unauthorized, accidental or unlawful destruction, loss, alteration, misuse, disclosure or access and against all other unlawful forms of processing.

4.7 Storage and disclosure of personal data abroad
Europa Re stores the personal data in the EU and Switzerland.
In the context of Europa Re business activities and in line with the purposes of the data processing set out in Section II, Europa Re may transfer data to third parties, insofar as such a transfer is permitted and it is deemed appropriate, in order for them to process data for Europa Re or, as the case may be, their own purposes.
Should Europa Re transfer data outside EEA it will do so based on:
• the existence of an adequate level of data protection guaranteed by the relevant State or international body, confirmed by Swiss Federal Council/ European Commission, as applicable to respective transfer
• standard data protection clauses previously approved, established or recognised by the Swiss Federal Data Protection and Information Commissioner / European Commission, as applicable
• other legal grounds provided for by the applicable legal requirements or
• explicit consent of data subjects
Europa Re does not sell personal data.

4.8 The period for which personal data is stored
Europa Re will retain and process the personal data for as long as necessary to fulfil the purpose for which it was collected and to comply with legal, regulatory and internal policies requirements.

4.9 Rights of the data subjects with respect to personal data processed by Europa Re
• Right of access - Europa Re shall provide upon request and in line with the applicable regulations, the data it holds about the data subject
• Right to rectification or update, in line with the applicable regulations, when data are no longer current, accurate or complete
• If the collection or processing of personal data is unlawful, the data subject can request that:
- Data processing be stopped
- No data be disclosed to third parties
- Personal data be corrected or destroyed.
• The right to delete the data if it is no longer necessary for the purpose mentioned above and if there are no other legal requirements, or a legitimate interest of Europa Re
• The right to request restriction of the processing under the applicable legal conditions
• The right to request the portability of the data in some circumstances, as per the applicable law
• The right to object to processing of personal data, however, in some circumstances, and in line with the applicable law, your data may continue to be processed
• The right to withdraw consent, where consent was required for processing of data
• The right to file a complaint with the relevant data protection authority, as per the applicable law.

SECTION 5 – General Provisions
5.1 The user shall not transfer any rights or obligations arising from these terms and conditions to a third party without the prior written consent of Europa Re.

5.2 Europa Re shall have the right to amend these terms and conditions of use unilaterally as it deems appropriate.

5.3 Should one or more provisions of these terms and conditions of use be deemed legally invalid, this defect shall not impair the validity of the remaining provisions. Each invalid provision shall be replaced by a valid provision that approximates as closely as possible the intended purpose of the invalid provision.

5.4 The registered seat of Europa Re shall be the place of performance for the services provided by Europa Re in connection with the use of The Website. The exclusive jurisdiction for any disputes arising in connection with the use of The Website shall be Zug, Switzerland.

5.5 Both the legal relationship between the user and Europa Re and these terms and conditions shall be exclusively governed by and construed in accordance with substantive Swiss law (rules of international private law excluded).

EUROPA Re Ltd., Rotkreuz, Switzerland