Cookie policy

1. What are cookies?

A cookie is a small text file sent from a website (for example to your browser (such as Firefox, Internet Explorer, etc.) and stored on the hard disk of your computer or on your smartphone or tablet (hereinafter "device").

There are two types of cookie. Session cookies are deleted once you close your browsers. Persistent cookies remain on your device for a specified or unspecified length of time even after you have closed your browser.

Session cookies are designed to enable you to navigate the website unhindered and prevent you from having to supply information you have already entered on the website again (in other words, the website recognises you, for example, when you visit a subsite of

The website also uses persistent cookies. They are used in particular to enable the website to remember your preferences the next time you visit the website and show you relevant information matching your interests (for example the language the website should be displayed in).

SWICA also distinguishes between first- and third-party cookies. SWICA sets first-party cookies when you visit our website.

Third-party cookies are cookies set by a website other than the SWICA website you're currently visiting. For example, SWICA could add a Facebook "Like" button to its website. This "Like" button will set a cookie that can be read by Facebook. This type of cookie is known as a third-party cookie. An advertiser can use this kind of third-party cookie to log visits to all sites on which its advertising is displayed – not only on the SWICA website, but also on third-party websites by means of so-called retargeting. This involves, for example, showing you advertising with content that interested you on your visit to our website when you visit other sites. If you have concerns about this you can block third-party cookies directly in your browser or manage them via our consent manager.

2. What cookies does SWICA use?

2.1 Strictly necessary cookies

These cookies are necessary for SWICA's website to function properly and cannot be switched off in our systems. They are usually only set in response to actions made by you on the SWICA website, such as setting certain preferences or filling in forms on the website. This type of cookie can be blocked via your browser settings, but some parts of the site may not then work.

2.2 Performance cookies

These cookies are used for statistical and analytical purposes, allowing us to count visits and traffic sources so that we can measure and improve the performance of our site on an ongoing basis. They help us know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and stored for SWICA on an anonymous basis. If you do not allow these cookies, SWICA will not know when you have visited our site. This may limit the further development of the website and have a negative impact on user-friendliness.

2.3 Functional cookies

These cookies allow the provision of enhanced functionality on the SWICA website, such as videos and live chats. They may be set by us or by third-party providers (such as YouTube or the provider of the chat module) whose services we have added to our pages. If you do not allow these cookies, then some or all of these functionalities may not function properly or at all on SWICA's website.

2.4 Targeting cookies

These cookies are set through our site by our advertising partners. They work by uniquely identifying the browser and device (computer, smartphone or tablet) that you've used to visit our site. They may be used by our advertising partners to build a profile of your interests and show you relevant ads on other sites. If you do not allow these cookies, you will not have the opportunity to see offerings on the internet that are interesting and relevant for you.

3. What data is not processed by way of cookies?

The cookies used by SWICA do not contain any personal data that identify you in person. In other words, the cookies used by us are not used to pass on to us information such as your name, phone number, postal or email address, bank account or credit card details, or any other personal data. In some cookies, however, the IP address used by you is stored in anonymised (shortened) form. SWICA does not use any cookie data to identify individual people.

4. What data processing takes place using cookies?

SWICA uses cookies (as defined in section 2 above) for various purposes. In particular, SWICA uses cookies to make it easier for you to navigate the website and fill out forms (for example customer enquiries, premium calculator, competitions, etc.), to analyse website usage and the products and services offered on this basis, and to show you offerings that are interesting and relevant for you.You can also view more detailed information about the individual cookies in the cookie settings.

5. Blocking cookies

If you would like to restrict or completely block SWICA cookies, you can use our cookie consent manager. In addition, you can update the general settings for your internet browser so that all cookies are accepted, or you are alerted when a cookie is set, or all cookies or third-party cookies are blocked. Consent can be revoked at any time in the consent manager or by deleting the cookies. Information and instructions regarding your options and the deletion of cookies can be found in the help menus of your internet browser.
Restricting or completely blocking cookies may make it impossible to provide some services which are tailored to your specific needs. Moreover, you may be unable to use some of the interactive functions on our website.

6. Which third-party cookies does SWICA use?

Third-party cookies may also process data for the third party's own purposes. Please refer to the service provider’s pages for more information about the purpose and scope of the service provider's data collection, about your rights in this connection, and about the settings for protecting your privacy. Depending on the provider's legal provisions, the government may also be able to view the data on request.
SWICA itself cannot influence how the data is processed by providers.

6.1 Facebook Pixel

SWICA uses the Facebook pixel to provide website visitors with meaningful and targeted information.
The Facebook pixel is a JavaScript code, which is provided by Facebook Inc. (1601 S. California Ave, Palo Alto, CA 94304, USA). The Facebook pixel runs on the SWICA website. If a user consents to the use of cookies for advertising purposes, the Facebook pixel sends data to Facebook. The data transferred in this way ena-bles Facebook to match the data with an existing Facebook account. A Facebook user's visit to the page is automatically logged in his or her user account.
SWICA has no control over any further processing of the data by Facebook. Infor-mation on Facebook's data usage, processing and settings can be found here:

Privacy Policy
Settings for advertising prefer-en-ces
SWICA only obtains access to data in anonymised form through the Facebook pixel. SWICA is not able to draw any conclusions about the identity of individual web-site visitors.

6.2. Google

SWICA uses cookies from Google Inc. (Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043).
Information about data use by Google, along with setting options and opt-out op-tions, can be found on the Google website:


a. Google Ad Manager

SWICA uses Google Ad Manager to optimise its advertising. When you visit the website, the following cookies are sent to the browser (Google DV360, Google Ads Remarketing Tag and Google Ads Conversion Tags). The cookies are stored for 30 days, but this depends on your browser settings. These cookies are used to log the activities and the number of visits to the SWICA website. SWICA only processes the data to optimise its offering strategy and to evaluate campaign performance. At the same time, the data is assigned to an existing Google account.
Further information on the use of the data by Google Inc. can be found here:

Remarketing data
Conversion data

b. Google Analytics

On the basis of its interests (for example its interest in analysing, optimising and cost-efficiently maintaining its online offering), SWICA uses Google Analytics, a web analysis service provided by Google Inc. ("Google").
Google uses the information on behalf of SWICA to evaluate the use of SWICA's online offering, to compile reports on the activities within this online offering and to provide further services associated with the use of this online offering and the in-ternet. Pseudonymised user profiles of you can be created using the processed da-ta.

SWICA only uses Google Analytics with IP anonymisation activated. This means that your IP address is truncated by Google within member states of the European Union or in other contracting states of the European Economic Area. Only in excep-tional cases will the full IP address be transmitted to a Google server in the US and truncated there.
You can also disable Google Analytics by downloading and installing add-ons from the following link

6.3 LinkedIn

SWICA also uses LinkedIn Insight Tag from LinkedIn (EU: LinkedIn Ireland Unlim-ited Company Wilton Place, Dublin 2, Ireland, USA: LinkedIn Corporation 1000 W. Maude Avenue, Sunnyvale, CA 94085). LinkedIn Insight Tag helps SWICA to log the activities of visitors on the SWICA website. SWICA only processes the data to optimise its offering strategy and to evaluate campaign performance. At the same time, the data is assigned to an existing LinkedIn account.
Further information about LinkedIn's use of the data can be found here:
LinkedIn Insight tag

7. Scope/amendments to this policy

This cookie policy is an integral part of the data protection policy. All provisions of the special terms governing the use of SWICA websites (website terms of use) are also valid for the cookie policy, provided they do not contradict each other, in which case the cookie policy shall prevail. SWICA can amend its cookie policy at any time. You can change your consent to the use of cookies at any time. (Consent Manager)