DATA PROTECTION - Krone Credit Bank AG

Your data is a great asset to us
The transactions between you and Krone Credit Bank AG are a matter of trust. The trust placed in us is very important to us, and so it is obligatory for us to handle the data of customers, sales partners, employees and shareholders carefully and to protect them from misuse. The protection of your privacy is very important to us.

We only store data that is necessary for a contract and the fulfillment of legal requirements. These are first your application data from an account or product contract. Furthermore, contract data such as customer number, account / deposit number, account balance, credit or insurance sum or duration, bank details and, if necessary, the information about a third party are stored.

Personal information about you is obtained, among other things, directly from yourself, through transactions at Sparda Bank AG and other institutions or, for example, from credit bureaus.

The forms for the contracts of Krone Credit Bank AG contain a separate declaration of consent for the transfer of data in accordance with the Federal Data Protection Act (BDSG). This consent is valid beyond the termination of the contract, but ends at the latest by your revocation which is possible at any time. If the declaration of consent is deleted in whole or in part, the contract may not be concluded. Despite revocation or completely or partially deleted declaration of consent, data collection, processing and use may take place to the extent permitted by law.

The processing of your personal data by Krone Credit Bank AG basically serves to fulfill the contractually agreed services towards you and includes comprehensive advice.

We also use personally identifiable information to provide you with other products and services from Postbank or the Spardabank Group upon request. This includes use of your data for advertising, market and opinion research purposes. Of course, you can object to the processing and use of your personal data for purposes of advertising and market and opinion research at any time in person, in writing or by phone.

To the extent permitted by law or contractually agreed, we transfer personal information to Group companies within the Spardabank Group and to the service companies commissioned by us or to credit reference agencies.

To protect your personal information, we take technical and organizational security measures that comply with the relevant legal standard. As part of online banking, the data is transmitted in encrypted form.

When we engage other companies with services, the confidentiality of personal information is contractually protected. The external contractors submit themselves to the BDSG as well as the instructions of the Krone Credit Bank AG. Together with the use of our modern technology, all these measures protect your personal data as much as possible against manipulation, loss, destruction or access by unauthorized persons.

Additional information has been compiled in accordance with § 4e BDSG in a public list of procedures. There we will inform you about the persons responsible and about other relevant matters regarding the processing of personal data in our company.
The data protection at the Krone Credit Bank AG takes into account the European data protection standard and is based in particular on the BDSG in the current version.

Of course our employees have been obliged under § 5 BDSG to the special confidentiality obligations as well as bank secrecy.
When using the Internet, the Telemedia Act (TMG) is also to be named as the relevant legal provision for the protection of your personal data.

For overseas remittances, the data will be forwarded to the beneficiary’s credit institution via Belgium’s only global payment service « Society for Worldwide Interbank Financial Telecommunication » (SWIFT).

For system security reasons, SWIFT temporarily stores the transaction data for payment orders from Germany within the European zone, both in its data center in the Netherlands and in Switzerland.

The Krone Credit Bank AG does not sell data to third parties. If you provide us with personal data such as your home or e-mail address, your telephone or fax number or other personal data, we will in no case pass on this data to third parties, unless you are informed, you have consented or we are legally obliged to do so. Your data and transactions are subject to the strict security and confidentiality standards of Krone Credit Bank AG.

Basically, you have free access to all public web pages of Krone Credit Bank AG.

At any time you can exercise your fundamental right to informational self-determination when visiting our web pages by deciding yourself whether or not you wish to provide personal information about yourself. You can use most of our information offer without providing us with personal data. For some types of orders, collecting, processing and using your data can not be avoided.

Our aim is to protect the information you provide when you visit our website in the same way as we do with all other forms of communication with you, whether via one of our branches or via telephone banking.

Krone Credit Bank AG uses so-called session cookies, especially in online banking. This cookie is a small text file that allows us to store data temporarily on your PC or mobile device for the duration of a session. Postbank’s session cookies contain a random string without a customer reference as the session ID and serve to prevent session takeover attacks, ie unauthorized take-over by unauthorized third parties. This session cookie can not be read by a website other than the one that placed the cookie.

With the aim of answering customer inquiries, Krone Credit Bank AG operates a service portal. For statistical analysis of visitor access, the software PIWIK is used, which uses permanent cookies. Further information can be found directly on the page of the « questions and answers » portal under the conditions of participation and use. Our cookies definitely do not pose any risk of viruses or data protection.

For purposes of advertising and market research or for the production of statistics, when you visit our website, data that is unrelated to you will be transmitted to our web analytics providers or statistical service providers. In this process, the provisions of the Telemedia Act (TMG) and the specifications of the BDSG for order data processing are strictly observed.

This procedure can be contradicted for the future by clicking on « Webtrekk Opt Out ». This sets a cookie under this name. As long as this cookie remains stored in your browser, the procedure is prohibited. Please note: If you delete the cookie memory, the Webtrekk Opt Out is no longer effective for the Deutsche Postbank website and should be reset.

Currently Opt Out is not active and website usage data is being saved.

Basically, there are different techniques for statistical evaluations. These include the evaluation of server logs (logfiles) or the use of counting pixels and / or cookies.

Counting pixels are small, invisible to the eye, images, which can be supplemented by a short line in the programming language JavaScript. The counting pixels are not stored on your PC or mobile device, but on the server of the web analytics provider.

Cookies are small text files that are stored directly on your device.

The counting pixels used by Postbank enable an evaluation of the visitor behavior (eg about the length of stay or the number of accesses to different product offers) on our websites. This ultimately serves to offer you even better products and services.

As part of the web tracking and evaluation by our statistics service providers information such as browser used, browser language, operating system, screen resolution, Javascript activation, acceptance of cookies, time of access can be given.

As a matter of principle, no content entered by you on the pages is stored or passed on. IP addresses are anonymised in compliance with data protection regulations, so that no conclusions can be drawn about individual persons.

Using retargeting technology, Postbank works with various advertising partners. Internet users who are already Postbank customers or who are already interested in the products of Krone Credit Bank AG can also be addressed on the websites of our advertising partners through banner advertising with individualized and interest-based offers from Krone Credit Bank AG. This form of advertising is completely anonymous. The data collected on our websites will never be linked to your personal data. No personal data will be stored or passed on to advertisers

When visiting some Krone Credit Bank AG websites, targeting service providers store temporary cookies on the hard disk of your PC or in your mobile device, which automatically delete themselves after a specified period of time (up to 120 days).

These cookies contain a machine-generated alphanumeric identifier that does not permit any conclusions about you or the IP address of your computer. With the help of these cookies only anonymized data is collected, which allows an analysis of the use of our website.

If you would like to delete the cookie set during the retargeting process before its expiration date, you can do so at any time using the corresponding settings on your Internet browser. In addition, the websites of our advertising partners usually offer the option, via a marked link, to unsubscribe from interest-based advertising on this page or to further inform themselves about retargeting.

You can send messages by e-mail or via online banking as an encrypted account-related message.

According to the BDSG you have a right to information about your data stored by us and their use. Likewise, you have the right to correct, block or delete this data under certain conditions.

As an Internet user, you have the choice of open access or closed user groups. These will be made available to you with special permission

Among other things, social plugins (« plugins ») of the social network facebook.com are placed on our website. The Facebook network is operated by Facebook Inc., 1601 S. California Ave, Palo Alto, CA 94304, USA. 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 valid Facebook social plugins can be viewed on the internet pages of Facebook.

By clicking on such a plugin on one of our websites, your browser establishes a direct connection to the Facebook servers. The data collected by activating the plugin will be transmitted from your browser directly to Facebook; We therefore have no control over the amount of data that Facebook collects using this plugin.

According to our knowledge, Facebook receives the information by clicking on the plugin that you have accessed the corresponding page of our website. If you are registered with Facebook, Facebook may assign the visit to your Facebook account.

If you interact with the plugins, for example, press the « Like » button or leave a comment, the corresponding information is transmitted from your browser directly to Facebook and stored there. All social plugins are extensions of Facebook and were developed so that none of your data is passed on to the operators of the websites on which you are displayed (here the Krone Credit Bank AG).

If you are not a member of Facebook, there is still the possibility that Facebook will find out and save your IP address if you click on the plugin.

The purpose and scope of the data collection and the further processing and use of the data by Facebook, as well as your related rights and settings options to protect your privacy, please refer to the privacy policy on the Internet pages of Facebook itself.

If you are a Facebook member and do not want Facebook to collect data about you via our website and link it to your data stored on Facebook, you must log out of Facebook before visiting our website. It is also possible to block Facebook social plugins with add-ons for your browser.