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Data protection

If you have given us your consent, you finally have the right to withdraw your consent at any time. All data processing that we have carried out up to your revocation remains lawful in this case. For this purpose, you can simply click on the link contained in every email and unsubscribe from the email service or send a message to [email protected] If you tell us in this message that you do not want to receive any e-mails in the future, we will no longer send messages to the e-mail address you provided. This does not affect e-mails that we send you to fulfill any contract concluded with you (e.g. comparison offers you have requested). You can revoke your cookie consent via the cookie settings in our cookie management tool.

7. Your obligation to provide personal data

You have no contractual or legal obligation to provide us with personal data. However, without the data you have provided, we will not be able to offer you our contractual services.

8. Existence of automated decision-making (including profiling)

We use automated decision-making in order to be able to provide you with the right service and to find a suitable consultant for you. The extent to which there is a legal consequence in the form of the conclusion of a contract is, however, subject to the free decision between you and the financial advisor.

9. Security

We use technical and organizational security measures to ensure that your personal data is protected from loss, incorrect changes or unauthorized access by third parties. In any case, only authorized persons have access to your personal data from our side, and only to the extent that it is necessary for the purposes mentioned above. The security measures are constantly being adapted to the improved technical possibilities.

Of course, you have the option of withdrawing your consent at any time. You can send the revocation in writing to the address finanzen.de Vermittlungsgesellschaft für Consumer Contracts GmbH, Data Protection Department, Schlesische Straße 29-30, 10997 Berlin (hereinafter: finanzen.de). However, it is also sufficient to send an email to our customer service at the email address [email protected] In the event that you revoke your consent, we ask for your understanding that we cannot provide certain services, or that we cannot provide them completely or without disruption.

10. Which internet-specific data processing occurs

a) Cookies
We use so-called cookies on our website. These are small files that are stored on your hard drive and through which we receive certain information. This information includes, in particular, the login (your visit), the date and time of your visit to us, the cookie number and the URL of the website from which you came to our offer pages. The corresponding data is stored on our service provider's servers.

The use of cookies first enables us to recognize you. In addition, we can use the cookies to optimally adapt our offer to your individual needs. We also use cookies to record the statistical frequency of visits to the various pages on our website and general navigation.

The use of cookies can be prevented by making the appropriate settings in the browser software you are using. Insofar as the cookies serve to provide specific functions of our website, the data processing takes place on the basis of Art. 6 Para. 1 b) GDPR, otherwise on the basis of your consent according to Art. 6 Para. 1 a) GDPR, which you can revoke at any time in the cookie settings. Additional information on this, in particular on the classification, name and duration of the cookies, can also be found in the cookie settings.

b) Bing Ads
We use the conversion tracking “Bing Ads” from Microsoft Corporation, One Microsoft Way, Redmond, WA 98052-6399, USA (“Microsoft”). For this purpose, Microsoft saves a cookie on your device if you have reached us via a Microsoft Bing ad. In this way we can see that someone has reached a certain landing page via an advertisement on the Bing Network. We are only given the general number of users and no personal information about your identity.

Further information on data protection and the cookies used by Microsoft Bing can be found on the Microsoft website: https://privacy.microsoft.com/de-de/privacystatement

c) Facebook Pixel and Facebook Conversion API
We use the Facebook pixel from Facebook Ireland Limited, 4 Grand Canal Square, Dublin 2, Ireland on our website. This offers several functions, of which we use the Custom Audiences function. This allows you - if you have a Facebook user account - to be shown targeted advertising on Facebook. For this purpose, the Facebook Pixel creates a direct connection between your site and the Facebook servers. Your usage data will be transmitted to Facebook for analysis and marketing purposes. If you have a Facebook account, this data can be assigned to you. Through tracking, your Facebook activities can possibly be tracked over several pages. We have no influence on any processing of personal data, as these are solely the responsibility of Facebook. You can find more information on the collection and use of data by Facebook in Facebook's data protection information at https://www.facebook.com/policy.php. If you want to object to the use of the Facebook Custom Audiences website, you can make the appropriate settings in your Facebook user account at: https://www.facebook.com/ads/website_custom_audiences/. In terms of data protection law, we and Facebook are jointly responsible for targeting advertising on Facebook. You can find more information at: https://www.facebook.com/legal/controller_addendum and https://www.facebook.com/legal/terms/businesstools_jointprocessing as well as in Facebook's data protection declaration https://de-de.facebook.com /policy.php.

We also use the Facebook Conversion API. No cookies or other files are stored on your device or data on your device is accessed. The Conversion API enables us to track how successful our activities are on Facebook. If you reach us via an advertisement on Facebook, Facebook will assign you an ID and inform us of this ID. If you then submit one of our forms, we will in turn transmit this ID to Facebook so that Facebook can determine from which advertisement you came to our site. Of course, the content of the form will not be transmitted. In the end, we only receive anonymous and aggregated statistics on the success of our ads, from which we cannot identify any individual users. Facebook acts on our behalf as part of these activities. The legal basis for processing is Article 6 (1) (f) GDPR. Our legitimate interest lies in being able to measure the success of our campaigns.

The information obtained through the use of the Facebook Conversion API is also used to optimize future campaigns, which is also in our legitimate interest (Art. 6 Para. 1 lit. f) GDPR). You can also prevent and object to processing here by making the appropriate setting in your privacy settings on Facebook. We are jointly responsible for processing for these purposes with Facebook under data protection law. You can find more information about our cooperation and the respective responsibilities at: https://www.facebook.com/legal/controller_addendum and https://www.facebook.com/legal/terms/businesstools_jointprocessing as well as in Facebook's data protection declaration https: // de-de.facebook.com/policy.php.

You can prevent and object to the processing described by making the appropriate setting in your privacy settings on Facebook at https://www.facebook.com/settings?tab=privacy.

d) Facebook social plugins
This offer uses social plugins (“plugins”) from the social network facebook.com, which is operated by Facebook Inc., 1601 S. California Ave, Palo Alto, CA 94304, USA (“Facebook”). The plugins can be recognized by one of the Facebook logos (white “f” on a blue tile or a “thumbs up” sign) or are marked with the addition “Facebook Social Plugin”. The list and the appearance of the Facebook social plugins can be viewed here: https://developers.facebook.com/docs/plugins/.

When a user calls up a website of this offer that contains such a plugin, his browser establishes a direct connection with the Facebook servers. The content of the plugin is transmitted directly from Facebook to your browser, which integrates it into the website. The provider therefore has no influence on the amount of data that Facebook collects with the help of this plugin and therefore informs the user according to its level of knowledge:

By integrating the plugins, Facebook receives the information that a user has called up the corresponding page of the offer. If the user is logged in to Facebook, Facebook can assign the visit to his Facebook account. When users interact with the plugins, for example by pressing the Like button or making a comment, the relevant information is sent directly from your browser to Facebook and saved there. If a user is not a member of Facebook, there is still the possibility that Facebook will find out his IP address and save it. According to Facebook, only an anonymized IP address is saved in Germany.

The purpose and scope of the data collection and the further processing and use of the data by Facebook as well as the related rights and setting options to protect the privacy of users can be found in Facebook's data protection information: https://www.facebook.com/about/privacy/.

If a user is a Facebook member and does not want Facebook to collect data about him through this offer and link it to his member data stored on Facebook, he must log out of Facebook before visiting the website.

It is also possible to block Facebook social plugins with add-ons for your browser, for example with the "Facebook Blocker".

e) Google Analytics
This website and other online offers from finanzen.de use the web analysis service Google Analytics and the Google Remarketing service, both of which are offered by Google LLC, 1600 Amphitheater Parkway, Mountain View, CA 94043, USA (“Google”). With the Google Remarketing service, users who have already visited our website and online services and are interested in the offer are addressed again through targeted advertising on the pages of the Google Partner Network. The advertising is displayed through the use of cookies. With the help of the text files, user behavior when visiting the website can be analyzed and then used for targeted product recommendations and interest-based advertising. Google Analytics also uses cookies. The information generated by the cookie about your use of this website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Of course, we use Google Analytics with the anonymizeIP function, which completely anonymizes the IP address by masking it.

Google will use the information to evaluate your use of the website, to compile reports on website activity for the website operator and to provide other services relating to website activity and internet usage. Google may also transfer this information to third parties if this is required by law or if third parties process this data on behalf of Google. Third-party providers, including Google, also use the information stored in the cookies as part of the Google Remarketing service to place advertisements on other websites based on previous visits by a user to this website. Under no circumstances will Google associate your IP address, which is masked anyway, with other Google data.

f) Google Ads
Our website uses Ads, a technology from Google.
On the one hand, we use conversion tracking. This means that we can use a cookie to recognize which ad from the AdWords network you used to reach us and which behavior was triggered on our site. This gives us a better picture of the effectiveness of our advertisements and we use the data for statistical and market research purposes. These data are anonymous to us. This means that we cannot assign you to your person.
On the other hand, our website uses the remarketing function of Google Ads. This function helps us to present interest-based advertisements to our visitors. To do this, your browser saves cookies on your device, which enable us to recognize you when you visit websites that belong to the Google advertising network. This means that you can be presented with advertisements that relate to content that you have previously viewed on other websites. We do not receive any personal data from you through this.
You can deactivate the remarketing function by making the appropriate settings under
http://www.google.com/settings/ads
make.

g) Twitter
This offer uses the buttons of the Twitter service. These buttons are offered by Twitter Inc., 795 Folsom St., Suite 600, San Francisco, CA 94107, USA. They can be recognized by terms such as “Twitter” or “Follow” combined with a stylized blue bird. With the help of the buttons it is possible to share a post or a page of this offer on Twitter or to follow the provider on Twitter.

When a user calls up a website on this website that contains such a button, his browser establishes a direct connection with the Twitter servers. The content of the Twitter buttons is transmitted directly from Twitter to the user's browser. The provider therefore has no influence on the amount of data that Twitter collects with the help of this plugin and informs users according to its level of knowledge. After this, only the IP address of the user and the URL of the respective website are transmitted when the button is accessed, but not used for purposes other than displaying the button.

Further information can be found in Twitter's data protection declaration at http://twitter.com/privacy.

h) Yandex
We use Yandex, a web analysis and tracking service from Yandex LLC. 16, Lva Tolstogo St., Moscow 119021, Russia. Yandex uses cookies to analyze your use of our website and to compile reports on it for us. Your data, including your IP address, will be transmitted to a server in Russia, where Yandex creates pseudonymous usage profiles. For more information, see the privacy policy at https://yandex.com/legal/confidential/?lang=en.

i) Push notifications
You can register to receive our push notifications. To send our push notifications, we use the “CleverPush” dispatch service operated by CleverPush UG (limited liability), Tondernstr. 1, 22049 Hamburg (“CleverPush”). You will receive regular information about insurance, pensions and finances via our push notifications.

To register, you must confirm your browser's query to receive notifications. This process is documented and saved by CleverPush. This includes saving the time of registration as well as your browser ID or your device ID. The collection of this data is necessary so that we can understand the processes in the event of misuse and therefore serves our legal protection. In order to be able to show you the push notifications, CleverPush collects and processes your browser ID and, in the case of mobile access, your device ID on our behalf.

By subscribing to our push notifications, you agree to receive them. If you have given your consent, the legal basis for processing your data after registering for our push notifications is Article 6 (1) (a) GDPR. CleverPush also statistically evaluates our push notifications. CleverPush can thus recognize whether and when our push notifications were displayed and clicked on by you.

You can revoke your consent to the storage and use of your personal data to receive our push notifications and the statistical survey described above at any time with effect for the future. For the purpose of revoking your consent, you can change the intended setting for receiving push notifications in your browser.If you use our push notifications on a desktop PC with the "Windows" operating system, you can also unsubscribe from our push notifications by right-clicking on the respective push notification in the settings that appear there.

Your data will be deleted as soon as it is no longer required to achieve the purpose for which it was collected. Your data will therefore be stored as long as the subscription to our push notifications is active. The competition process is explained in detail under the following link: https://cleverpush.com/faq.

j) Trustpilot
We use the rating platform Trustpilot, which is operated by TrustPilot A / S, Pilestraede 58, 5th floor, 1112 Copenhagen, Denmark. In order to continuously improve our service, we offer our customers the opportunity to rate us via this independent portal without our being able to influence this in any way. For every order placed on our website, an invitation is generated to submit a rating. For this purpose, your surname, first name, email address and a reference number (order number for clear allocation) are sent to Trustpilot. This data is neither used by Trustpilot itself nor passed on to third parties. An evaluation of our company can be carried out on the page https://de.trustpilot.com/review/www.finanzen.de.

The verification of the evaluation takes place on the basis of the reference number (order number) through a specially generated link. Submitting a review is voluntary. To submit a rating or to collect customer feedback, it is necessary to create / open a user profile on Trustpilot. In addition to a rating for the inviting company, ratings for any company can then be entered on the Trustpilot rating portal. If a rating is submitted by clicking on the link contained in the invitation, a user profile is automatically created on TrustPilot after entering the personal data (name and email address for verification).

This means that you agree to the data protection provisions and the general terms and conditions of Trustpilot. These can be viewed on the Trustpilot website at: http://de.legal.trustpilot.com/end-user-privacy-terms By placing an order on our website, you consent in accordance with Article 6 (1) (a) ) DSGVO expressly agree to the aforementioned transmission of the reference data to Trustpilot as well as the automated sending of an evaluation invitation from this application. The evaluation profile for Moebel24 can be viewed at: https://de.trustpilot.com/review/finanzen.de

k) Hotjar (hotjar Ltd.)
This website uses Hotjar to better understand the needs of our users and to optimize the offer on this website. With the help of Hotjar's technology, we get a better understanding of the experiences of our users (e.g. how much time users spend on which pages, which links they click, what they like and what not, etc.) and this helps us to offer our users feedback align. Hotjar works with cookies and other technologies to collect information about the behavior of our users and about their end devices (in particular the IP address of the device (is only recorded and stored in anonymised form), screen size, device type (Unique Device Identifiers), information about the browser used, location (country only), preferred language for displaying our website). Hotjar saves this information in a pseudonymised user profile. The information is neither used by Hotjar nor by us to identify individual users, nor is it combined with other data about individual users. Further information can be found in Hotjar's privacy policy here.

More information about Hotjar Ltd. and via the Hotjar tool can be found at: https://www.hotjar.com
The data protection declaration of Hotjar Ltd. can be found at: https://www.hotjar.com/privacy

l) Unbounce (Unbounce Marketing Solutions Inc.)
We use the service of Unbounce Marketing Solutions Inc., 400-401 West Georgia Street, Vancouver, BC, V6B 5A1 Canada on individual websites. The affected pages are hosted by Unbounce. This means that the user's browser communicates directly with Unbounce. The IP address, the browser signature, the operating system, the device type and the date and time of the page visit are transmitted to Unbounce. Cookies are also set. The data is only made available to us anonymously so that we cannot draw any conclusions about individual persons.

You can find more information about Unbounce at: https://unbounce.com/privacy/

m) NiftyImages (NiftyImages LLC)
We use the service of NiftyImages LLC, 10640 Mather Blvd Suite 110, Mather, CA 95655, USA in some landing pages and advertising campaigns. For this purpose, the IP address, the browser signature, the operating system, the device type and the date and time at which the user called up the relevant pages or campaigns are transmitted to NiftyImages. The data is only used to create customized images and is not saved.

Further information on data protection at NiftyImages can be found at: https://niftyimages.com/Terms

n) Criteo S.A.
We work with Criteo SA- 32 rue blanche, 75009 Paris, France. In this context, cookies are used on our website for advertising purposes. This enables us to show website visitors who are interested in our products our advertising on partner websites, in apps and in e-mails. Re-targeting technologies use cookies or advertising IDs and display advertising based on your previous browsing behavior.
We can share data, such as technical identifiers, which are derived from your registration information on our website or our CRM system, with our trustworthy advertising partners. This allows your devices and / or environments to be linked and enables you to have a seamless experience with the devices you use.
You can find more details, as well as the option to reject, here: https://www.criteo.com/de/privacy/

o) Data protection provisions on the application and use of Vimeo plugins
We use the provider Vimeo for the integration of videos. Vimeo is operated by Vimeo, LLC with headquarters at 555 West 18th Street, New York, New York 10011.

We use plugins from the provider Vimeo on some of our websites. If you call up the Internet pages of our website with such a plugin - for example, play a video - a connection to the Vimeo servers is established and the plugin is displayed. This transmits to the Vimeo server which of our websites you have visited. If you are logged in as a member of Vimeo, Vimeo will assign this information to your personal user account. When using the plugin, e.g. clicking the start button of a video, this information is also assigned to your user account. You can prevent this assignment by logging out of your Vimeo user account before using our website and deleting the relevant Vimeo cookies.

Further information on data processing and information on data protection by Vimeo can be found at https://vimeo.com/privacy.

p) IPQualityScore.com (IPQualityScore LLC)
IPQualityScore.com is used for fraud prevention purposes on our websites. Your browser, your IP address and the details of your operating system can be used to identify suspicious behavior. This information is collected anonymously for the sole purpose of fraud prevention and is not sold or given to any other provider.

Further information at https://www.ipqualityscore.com/privacy-policy

11. Cookie settings

finanzen.de respects your right to data protection. For this reason, we provide you with a cookie management tool that will help you manage your cookie preferences and explain and withdraw your consent. Click here for the cookie management tool.

Status: November 2020