Data Protection Notice
The operator of the website www.deutschecredit.de (hereinafter the “Website”) takes the protection of your personal data very seriously. Your personal data will be kept confidential and will be processed solely in accordance with applicable laws – including Regulation (EU) 2016/679 (General Data Protection Regulation) (“GDPR”), the German Federal Data Protection Act (Bundesdatenschutzgesetz) (“BDSG”) and the German Tele Media Act (Telemediengesetz) (“TMG”) – and in line with this data protection notice.
Details of the Controller
Data Security Officer: Degenhard Schroeren
Phone: +49 (0) 69 400 – 5533 – 12
DCCP Deutsche Credit Capital AG
60323 Frankfurt am Main, Germany
You can find further details in our Imprint.
Use of your personal data
Website – General
When you access the Website, your computer will automatically send information to the webserver, including the IP address of your computer/internet connection, browser type and version, etc. This information will, in general, only be used to provide the Website and will not be stored.
The legal basis is our legitimate interest (Article 6(1) point (f) GDPR) to provide you with information on the internet. The processing of personal data also complies with the TMG.
If you do not wish your actual IP address to be processed by our Website, you can use an anonymiser or VPN service.
Except as stated above, you can generally use our Website without providing any personal data. If we collect personal data (such as your name, postal address or email address), we will do so as set out in the sections “Contact via email, phone or mail” and “Registration for events” below.
Website – Links to social media sites
Our Website includes links to our profiles on Xing and Linkedin. For these profiles, the data protection notice on these separate websites will apply.
Recording of data on this website
Our websites and pages use what the industry refers to as “cookies.” Cookies are small text files that do not cause any damage to your device. They are either stored temporarily for the duration of a session (session cookies) or they are permanently archived on your device (permanent cookies). Session cookies are automatically deleted once you terminate your visit. Permanent cookies remain archived on your device until you actively delete them or they are automatically eradicated by your web browser.
In some cases it is possible that third party cookies are stored on your device once you enter our site (third party cookies). These cookies enable you or us to take advantage of certain services offered by the third party (e.g. cookies for the processing of payment services).
Cookies have a variety of functions. Many cookies are technically essential since certain website functions would not work in the absence of the cookies (e.g. the shopping cart function or the display of videos). The purpose of other cookies may be the analysis of user patterns or the display of promotional messages.
Cookies, which are required for the performance of electronic communication transactions (required cookies) or for the provision of certain functions you want to use (functional cookies, e.g. for the shopping cart function) or those that are necessary for the optimization of the website (e.g. cookies that provide measurable insights into the web audience), shall be stored on the basis of Art. 6 Sect. 1 lit. f GDPR, unless a different legal basis is cited. The operator of the website has a legitimate interest in the storage of cookies to ensure the technically error free and optimized provision of the operator’s services. If your consent to the storage of the cookies has been requested, the respective cookies are stored exclusively on the basis of the consent obtained (Art. 6 Sect. 1 lit. a GDPR); this consent may be revoked at any time.
You have the option to set up your browser in such a manner that you will be notified any time cookies are placed and to permit the acceptance of cookies only in specific cases. You may also exclude the acceptance of cookies in certain cases or in general or activate the delete function for the automatic eradication of cookies when the browser closes. If cookies are deactivated, the functions of this website may be limited.
In the event that third party cookies are used or if cookies are used for analytical purposes, we will separately notify you in conjunction with this Data Protection Policy and, if applicable, ask for your consent.
Analysis tools and advertising
This website uses functions of the web analysis service Google Analytics. The provider of this service is Google Ireland Limited (“Google”), Gordon House, Barrow Street, Dublin 4, Ireland.
Google Analytics uses so-called cookies. Cookies are text files, which are stored on your computer and that enable an analysis of the use of the website by users. The information generated by cookies on your use of this website is usually transferred to a Google server in the United States, where it is stored.
The storage of Google Analytics cookies and the utilization of this analysis tool are based on Art. 6 Sect. 1 lit. f GDPR. The operator of this website has a legitimate interest in the analysis of user patterns to optimize both, the services offered online and the operator’s advertising activities. If a corresponding agreement has been requested (e.g. an agreement to the storage of cookies), the processing takes place exclusively on the basis of Art. 6 para. 1 lit. a GDPR; the agreement can be revoked at any time.
On this website, we have activated the IP anonymization function. As a result, your IP address will be abbreviated by Google within the member states of the European Union or in other states that have ratified the Convention on the European Economic Area prior to its transmission to the United States. The full IP address will be transmitted to one of Google’s servers in the United States and abbreviated there only in exceptional cases. On behalf of the operator of this website, Google shall use this information to analyse your use of this website to generate reports on website activities and to render other services to the operator of this website that are related to the use of the website and the Internet. The IP address transmitted in conjunction with Google Analytics from your browser shall not be merged with other data in Google’s possession.
You do have the option to prevent the archiving of cookies by making pertinent changes to the settings of your browser software. However, we have to point out that in this case you may not be able to use all of the functions of this website to their fullest extent. Moreover, you have the option prevent the recording of the data generated by the cookie and affiliated with your use of the website (including your IP address) by Google as well as the processing of this data by Google by downloading and installing the browser plug-in available under the following link: https://tools.google.com/dlpage/gaoptout?hl=en.
Objection to the recording of data
You have the option to prevent the recording of your data by Google Analytics by clicking on the following link. This will result in the placement of an opt out cookie, which prevents the recording of your data during future visits to this website: Google Analytics deactivation.
For more information about the handling of user data by Google Analytics, please consult Google’s Data Privacy Declaration at: https://support.google.com/analytics/answer/6004245?hl=en.
Contract data processing
We have executed a contract data processing agreement with Google and are implementing the stringent provisions of the German data protection agencies to the fullest when using Google Analytics.
Demographic parameters provided by Google Analytics
This website uses the function “demographic parameters” provided by Google Analytics. It makes it possible to generate reports providing information on the age, gender and interests of website visitors. The sources of this information are interest-related advertising by Google as well as visitor data obtained from third party providers. This data cannot be allocated to a specific individual. You have the option to deactivate this function at any time by making pertinent settings changes for advertising in your Google account or you can generally prohibit the recording of your data by Google Analytics as explained in section “Objection to the recording of data”.
Data on the user or incident level stored by Google linked to cookies, user IDs or advertising IDs (e.g. DoubleClick cookies, Android advertising ID) will be anonymized or deleted after 14 month. For details please click the following link: https://support.google.com/analytics/answer/7667196?hl=en
Contact via email, phone or mail
If you contact us via email, phone or regular mail, we will collect your contact information (name, email address, postal address, etc.) and use this data to reply to you. The same applies if you provide us your contact details in person.
The legal basis is our legitimate interest (Article 6(1) point (f) GDPR) to reply to your requests. If you contact is in connection with the registration of an event or if you are one of our supplier or service provider, the legal basis will be the fact that the processing is required in order to enter into or perform a contract with you (Article 6(1)(b) GDPR). If you are a contact person for one of our suppliers or service providers, the legal basis is our legitimate interest Article 6(1) point (f) GDPR) to communicate with our contractual partners.
For contact requests that involve claims or entitlements, we will retain your personal data for up to six months after expiry of the statutory limitation period. In other cases, we will retain your data for up to one year after your last request. In case of legal obligations to retain data or documents beyond that, we will retain the data until the expiry of such legal obligations.
Registration for events
If you register for events, we will collect the data set out in the registration form on this Website. Required information is also marked as such (with a *) on the registration form.
The data will only be used to organise the respective event. The legal basis will be the fact that the processing is required in order to enter into or perform a contract with you (Article 6(1)(b) GDPR), for optional (non-required) information, the legal basis is your consent (Article 6(1)(a) GDPR), which you can withdraw at any time. With your consent, we will also use the data to send you our newsletter as set out below.
We will retain your personal data for up to six months after expiry of the statutory limitation period. In case of legal obligations to retain data or documents beyond that, we will retain the data until the expiry of such legal obligations.
If you opt to subscribe to our newsletter, we will also use your personal data to send you said newsletter. The legal basis is your consent (Article 6(1)(a) GDPR), which you can withdraw at any time with effect for the future. Your data will be retained until you unsubscribe from our newsletter.
Categories of recipients
The operator of the Website will disclose your personal data to the following categories of recipients only to a limited extent:
§ Data processors who provide us with IT services and for that purpose require access to personal data, including webhosts and email service providers. The legal basis for this is the processing on our behalf (Article 28 GDPR).
§ Employees and other members of staff who need access to your personal data in connection with their work for us.
§ Postal services and electronic communication service providers that we use in order to communicate with you. The legal basis is set out under “Contact via email, phone or mail”.
We will not normally transfer your personal data to countries outside the European Economic Area.
In individual cases, we will need to transfer data to third countries (e.g., if you live outside the EEA or if you email account is hosted by a non-EEA service provider). We will only do so in accordance with Article 49 GDPR.
Right of Access
You have the right to obtain from us confirmation as to whether or not personal data concerning you are being processed, and, where that is the case, access to the personal data as well as (a) the purposes of the processing; (b) the categories of personal data concerned; (c) the recipients or categories of recipient to whom the personal data have been or will be disclosed, in particular recipients in third countries or international organisations; (d) where possible, the envisaged period for which the personal data will be stored, or, if not possible, the criteria used to determine that period; (e) the existence of the right to request from us rectification or erasure of personal data or restriction of processing of personal data concerning you or to object to such processing; (f) the right to lodge a complaint with a supervisory authority; (g) where the personal data are not collected from the data subject, any available information as to their source; (h) the existence of automated decision-making, including profiling, and meaningful information about the logic involved, as well as the significance and the envisaged consequences of such processing for you.
Right to rectification
You have the right to obtain from us without undue delay the rectification of inaccurate personal data concerning you as well as – taking into account the purposes of the processing –the right to have incomplete personal data completed, including by means of providing a supplementary statement.
Right to erasure
You also have the right to obtain from us the erasure of personal data concerning you without undue delay, provided that (a) personal data are no longer necessary in relation to the purposes for which they were collected or otherwise processed; (b) you withdraw your consent on which the processing is based according where there is no other legal ground for the processing; (c) you object to the processing for legitimate interests (see below) and there are no overriding legitimate grounds for the processing, or (d) the personal data have been unlawfully processed.
Right to restriction of processing
You have the right to obtain from the controller restriction of processing where (a) you contest the accuracy of the personal data, for a period enabling us to verify the accuracy of the personal data;(b) the processing is unlawful and the you oppose the erasure of the personal data and request the restriction of their use instead; (c) we no longer need the personal data for the purposes of the processing, but they are required by you for the establishment, exercise or defence of legal claims; (d) you have objected to processing for legitimate interests to pending the verification whether our legitimate grounds for the processing override yours.
Withdrawal of your consent
Where you have provided us with optional information, where you subscribed to our newsletter or where we have asked you for your consent in any other form, you have the right to withdraw your consent at any time (without affecting the lawfulness of processing based on consent before its withdrawal).
Right to object against processing based on legitimate interest
You have the right to object, on grounds relating to your particular situation, at any time to processing of personal data concerning you that is based on legitimate interests. We may, however, continue to process your personal data if we can demonstrate compelling legitimate grounds for the processing which override your interests, rights and freedoms, or for the establishment, exercise or defence of legal claims
Right to object against direct marketing
You also have the right to object to processing for direct marketing purposes at any time.
Right to lodge a complaint
If you have any questions or grievances regarding the processing of your personal data, you can contact us at any time. You are also entitled to lodge a formal complaint with the competent data protection supervisory authority.