Privacy Policy

The Privacy Statement applies to the collection and use of personal information collected in certain circumstances, for example when one visits our website, inquires about our services, starts a booking request or calls us. Please take the time to read the following document, in which you can find information how Pension Panorama uses this personal information, what kind of data is collected, how and to what purpose the data is used and what measures Pension Panorama takes to protect your personal data.

Your right to personal privacy and data protection is of highy priority and Pension Panorama strives to protect these rights.

(1) Why does Pension Panorama collect personal information?

Pension Panorama collects and uses personal information in order to offer easy access to our website and provide good services.

(2) What data is collected?

When your start a request your personal information is collected and stored. Only information relevant to the current situation will be requested. Normally this includes name, billing address, telephone number, e-mail address. Pension Panorama takes the protection of your personal information seriously and promises, that your contact information is never sold or passed onto other vendors. There may be situations where Pension Panorama is required by law or legal regulation to provide personal information.

Like most websites, information requested by us is automatically collected and saved in a protocol. This information includes internet protocol addresses (IP addresses), type of browser used, internet service provider (ISP), reference, operating and browser system, date and time.

(3) How does Pension Panorama protect your personal information?

Pension Panorama takes precautions, including administrative, electronic, and physical procedures, to protect your personal information from loss, theft and misuse, transmission, alteration, and deletion. The website employs the industry-standard TLS (Transport Layer Security) encryption. Your personal information required in internet transactions is thereby better safeguarded.

(4) Integrity of your personal information

Pension Panorama has taken security measures to ensure that your personal information for the intended purposes is correct, complete and up-to-date. Naturally, you have the right to change your information at any time. You can help us by making sure your contact information and default settings are correct, complete and up-to-date. At anytime you can request the cancellation of your personal stored data.

(5) Cookies

(5.1) What is a cookie?

A cookie is a small file that is transfered to and stored on your device by a website’s server. The server will be able to retrieve or read the contents of that cookie in a later moment. It will contain some anonymous information such as a unique identifier, the site name and some digits and numbers. It allows a website to remember things like your language preferences or to session log-ins.

(5.2) Types of cookies

Technical cookies are used to make the website function correctly.

Third-party cookies are cookies that originate from other websites or web servers and serve the purposes of precisely this.

(5.3) How to disable cookies?

Third-party cookies (such as from Google) can be disabled and blocked in your browser settings. When you disable cookies, the full functionality of this site is no longer given. Read more here: Firefox, Google, Safari, Opera, Internet Explorer

(5.4) Which third party cookies are used on this website?

(5.4.1) Use of Google Invisible reCAPTCHA

On this website (subsite contact) an invisible reCAPTCHA from Google is implemented to protect our contact data from spambots. As a result, user activities are also recorded and forwarded to Google. Use of the invisible reCAPTCHA is subject to Google LLC's Privacy Policy and Terms of Use. When you block Goolge cookies you can not contact us via the enquiry form anymore.

Alternatively, you can also make an enquiry via our e-mail address, which you will find in the header and footer of the website.

(5.4.2) Use of YouTube videos

YouTube offers the setting "Advanced Privacy Mode" when embedding videos. For videos on this website, this setting has been activated. You can recognize this by the domain "". If extended privacy mode is enabled, Youtube will not store any information about the visitor to this website unless the visitor watches the video.

As soon as the visitor plays the YouTube videos Google creates the NID cookie. This cookie is used, among other things, to customize advertising in Google products such as Google search.

(5.4.3) Use of Goolge Fonts

The Google Fonts API is designed to limit the collection, storage, and use of end-user data to what is necessary to efficiently deliver fonts.

The use of Google fonts is not authenticated. No cookies from website visitors are sent to the Google Fonts API. Requests to the Google Fonts API are directed to resource-specific domains such as or, so your requests for fonts are separate from those that you send to and do not contain login information while using other authenticated Google services such as Gmail.

Source and further information: Google Fonts Privacy FAQ

(5.4.4) Using OpenStreetMaps

This website incorporates map material from OpenStreetMap that is offered under the Open Data Commons Open Database License (ODbL) by the OpenStreetMap Foundation (OSMF). OpenStreetMap Privacy Policy

As far as we know, OpenStreetMap uses the user's data exclusively for the purpose of displaying the map functions and temporarily storing the selected settings. These data may include, in particular, IP addresses and location data of users, which, however, are not collected without their consent (as a rule within the framework of the settings of their mobile devices). The data can be processed in the USA. For more information, please refer to the OpenStreetMap Privacy Policy.

(6) Information sheet in compliance with article 13 of law no. 196/03

In compliance with article 13 of law no. 196 of 30th June 2003, we hereby inform you that your personal information and data will be handled in our Pension Panorama electronic and/or paper archives, in compliance with the measures laid down by law no. 196 on the handling of personal data and information. We hereby guarantee that all data and information will be treated as confidential and handled for the following purposes:

  • compiling papers on order to fulfil the obligations required by the relevant laws and especially by the Single Text on Public Safety;
  • answer to you enquiries;

Supplying the above data is compulsory and is required by a specific law. Without this information, it would be impossible to establish contractual relations. In order to make sure that this information is handled correctly, we ask you to inform us immediately of any changes to said data. You are informed that the data and information will only be transferred to The Public Safety Authority, in accordance with the obligation stated in article 109 of the Single Text on Public Safety. The data and information handling as required by the above is of no prejudice to the rights granted to you by article 7 of law 196/03.

(7) Questions regarding personal privacy rights

If you have any questions or concerns about this privacy policy, please contact us. Please send us a message Of course, you can ask Pension Panorama what data about you is processed, where this data comes from and for what purpose it is used.

On 25 May 2018, the new General Data Protection Regulation (GDPR) went into force. It is therefore important to us to inform you that we take the new Data Protection Regulation and our responsibility seriously. This website is designed to collect as little personal data as possible and only such information that are relevant and necessary for the respective situation. You have the possibility to request the deletion of the transmitted personal data from our systems (e.g. e-mail accounts, files and databases...) at any time. Just send a short eMail to for this purpose. You will then receive a deletion confirmation.

Rights of the data subject: Information, correction, deletion and blocking, right of objection.

If you have questions or concerns regarding the Privacy Statement, please feel free to contact us. Of course you can ask Pension Panorama which of your data is or has been collected, where the data was collected, how it is used. Additionally, you can correct false information or enquire the deletion of collected personal data. The terms of the Personal Privacy Law apply. Pension Panorama is authorised to change the Privacy Policy occasionally. If fundamental alterations are conducted, notification as well as the up-dated version will be published on our website.