Privacy policy
1. data protection at a glance General information
The following notes provide a simple overview of what happens to your personal data when you visit this website. Personal data is any data by which you can be personally identified. For more detailed information on data protection, please refer to our privacy policy listed below this text.
Data collection on this website
Who is responsible for data collection on this website?
Data processing on this website is carried out by the website operator. You can find his contact details in the imprint of this website.
How do we collect your data?
On the one hand, your data is collected by you providing it to us. This can be, for example, data that you enter in a contact form.
Other data is collected automatically or after your consent when you visit the website by our IT systems. This is mainly technical data (e.g. Internet browser, operating system or time of page view). This data is collected automatically as soon as you enter this website.
What do we use your data for?
Some of the data is collected to ensure error-free provision of the website. Other data may be used to analyze your user behavior.
What rights do you have regarding your data?
You have the right at any time to receive information free of charge about the origin, recipient and purpose of your stored personal data. You also have the right to demand the correction or
deletion of this data. If you have given your consent to data processing, you can revoke this consent at any time for the future. You also have the right to request the restriction of the processing of your personal data under certain circumstances. Furthermore, you have the right to lodge a complaint with the competent supervisory authority.
For this purpose, as well as for further questions on the subject of data protection, you can contact us at any time at the address given in the imprint.
2 Hosting and Content Delivery Networks (CDN) External Hosting
This website is hosted by an external service provider (hoster). The personal data collected on this website is stored on the hoster’s servers. This may include, but is not limited to, IP addresses, contact requests, meta and communication data, contract data, contact details, names, website accesses and other data generated via a website.
The hoster is used for the purpose of fulfilling contracts with our potential and existing customers (Art. 6 para. 1 lit. b DSGVO) and in the interest of a secure, fast and efficient provision of our online offer by a professional provider (Art. 6 para. 1 lit. f DSGVO).
Our hoster will only process your data to the extent necessary to fulfill its service obligations and follow our instructions regarding this data.
We use the following hoster:
Pixel X e.K.
Kuhstrasse 26-27
38100 Brunswick
Tel: +49 (0)531 88616 – 0
Fax +49 (0)531 88616 – 16
3 General notes and obligatory information Data protection
The operators of these pages take the protection of your personal data very seriously. We treat your personal data confidentially and in accordance with the statutory data protection regulations and this data protection declaration.
When you use this website, various personal data are collected. Personal data is data with which you can be personally identified. This privacy policy explains what data we collect and what we use it for. It also explains how and for what purpose this is done.
We would like to point out that data transmission on the Internet (e.g. when communicating by e-mail) can have security gaps. Complete protection of data against access by third parties is not possible.
The responsible party is the natural or legal person who alone or jointly with others decides on the purposes and means of processing personal data (e.g. names, e-mail addresses or similar) (gmx.net).
Storage period
Unless a more specific storage period has been specified within this data protection declaration, your personal data will remain with us until the purpose for processing the data no longer applies. If you assert a legitimate request for deletion or revoke your consent to data processing, your data will be deleted unless we have other legally permissible reasons for storing your personal data (e.g. retention periods under tax or commercial law); in the latter case, the data will be deleted once these reasons no longer apply.
Note on data transfer to the USA
Among other things, tools from companies based in the USA are integrated on our website. If these tools are active, your personal data may be transferred to the US servers of the respective companies. We would like to point out that the USA is not a safe third country in the sense of EU data protection law. US companies are obliged to hand over personal data to security authorities without you as the data subject being able to take legal action against this. It can therefore not be ruled out that US authorities (e.g. intelligence services) process, evaluate and permanently store your data located on US servers for monitoring purposes. We have no influence on these processing activities.
Revocation of your consent to data processing
Many data processing operations are only possible with your express consent. You can revoke consent you have already given at any time. The legality of the data processing carried out until the revocation remains unaffected by the revocation.
Right to object to data collection in special cases and to direct marketing (Art. 21 DSGVO).
IF DATA PROCESSING IS CARRIED OUT ON THE BASIS OF ART. 6 ABS. 1 LIT. E OR F DSGVO, YOU HAVE THE RIGHT TO OBJECT TO THE PROCESSING OF YOUR PERSONAL DATA AT ANY TIME FOR REASONS ARISING FROM YOUR PARTICULAR SITUATION; THIS ALSO APPLIES TO PROFILING BASED ON THESE PROVISIONS. THE RESPECTIVE LEGAL BASIS ON WHICH PROCESSING IS BASED CAN BE FOUND IN THIS PRIVACY POLICY. IF YOU OBJECT, WE WILL NO LONGER PROCESS YOUR PERSONAL DATA CONCERNED UNLESS WE CAN DEMONSTRATE COMPELLING LEGITIMATE GROUNDS FOR THE PROCESSING WHICH OVERRIDE YOUR INTERESTS, RIGHTS AND FREEDOMS, OR THE PROCESSING IS FOR THE PURPOSE OF ASSERTING, EXERCISING OR DEFENDING LEGAL CLAIMS (OBJECTION UNDER ARTICLE 21(1) DSGVO).
IF YOUR PERSONAL DATA ARE PROCESSED FOR THE PURPOSE OF DIRECT MARKETING, YOU HAVE THE RIGHT TO OBJECT AT ANY TIME TO THE PROCESSING OF PERSONAL DATA CONCERNING YOU FOR THE PURPOSE OF SUCH MARKETING; THIS ALSO APPLIES TO PROFILING INSOFAR AS IT IS RELATED TO SUCH DIRECT MARKETING.
Note on the data controller
The responsible party for data processing on this website is:
Pixel X e.K.
Kuhstrasse 26-27
38100 Brunswick
Tel: +49 (0)531 88616 – 0
Fax +49 (0)531 88616 – 16
CONNECTION. IF YOU OBJECT, YOUR PERSONAL DATA WILL SUBSEQUENTLY NO LONGER BE USED FOR THE PURPOSE OF DIRECT ADVERTISING (OBJECTION PURSUANT TO ART. 21 PARA. 2 DSGVO).
Right of appeal to the competent supervisory authority
In the event of violations of the GDPR, data subjects shall have the right to lodge a complaint with a supervisory authority, in particular in the Member State of their habitual residence, their place of work or the place of the alleged violation. The right of appeal is without prejudice to any other administrative or judicial remedy.
Right to data portability
You have the right to have data that we process automatically on the basis of your consent or in performance of a contract handed over to you or to a third party in a common, machine-readable format. If you request the direct transfer of the data to another responsible party, this will only be done insofar as it is technically feasible.
Information, deletion and correction
Within the framework of the applicable legal provisions, you have the right at any time to free information about your stored personal data, its origin and recipient and the purpose of data processing and, if necessary, a right to correction or deletion of this data. For this purpose, as well as for further questions on the subject of personal data, you can contact us at any time at the address given in the imprint.
Right to restriction of processing
You have the right to request the restriction of the processing of your personal data. To do this, you can contact us at any time at the address given in the imprint. The right to restriction of processing exists in the following cases:
If you dispute the accuracy of your personal data stored by us, we usually need time to verify this. For the duration of the review, you have the right to request the restriction of the processing of your personal data.
If the processing of your personal data happened/is happening unlawfully, you can request the restriction of the data processing instead of the deletion.
If we no longer need your personal data, but you need it to exercise, defend or assert legal claims, you have the right to request restriction of the processing of your personal data instead of erasure.
If you have lodged an objection pursuant to Art. 21 (1) DSGVO, a balancing of your and our interests must be carried out. As long as it has not yet been determined whose interests prevail, you have the right to request the restriction of the processing of your personal data.
If you have restricted the processing of your personal data, this data – apart from its storage – may only be processed with your consent or for the assertion, exercise or defense of legal claims or for the protection of the rights of another natural or legal person or for reasons of an important public interest of the European Union or a Member State.
Objection to advertising e-mails
The use of contact data published within the framework of the imprint obligation for the transmission of advertising and information material not expressly requested is hereby objected to. The operators of the pages expressly reserve the right to take legal action in the event of the unsolicited sending of advertising information, such as spam e-mails.
4. data collection on this website cookies
Our Internet pages use so-called „cookies“. Cookies are small text files and do not cause any damage to your terminal device. They are stored either temporarily for the duration of a session (session cookies) or permanently (permanent cookies) on your terminal device. Session cookies are automatically deleted at the end of your visit. Permanent cookies remain stored on your end device until you delete them yourself or until they are automatically deleted by your web browser.
In some cases, cookies from third-party companies may also be stored on your terminal device when you enter our site (third-party cookies). These enable us or you to use certain services of the third-party company (e.g. cookies for processing payment services).
Cookies have various functions. Many cookies are technically necessary, as certain website functions would not work without them (e.g. the shopping cart function or the display of videos). Other cookies are used to evaluate user behavior or display advertising.
Cookies that are necessary to carry out the electronic communication process (necessary cookies) or to provide certain functions that you have requested (functional cookies, e.g. for the shopping cart function) or to optimize the website (e.g. cookies to measure the web audience) are stored on the basis of Art. 6 (1) lit. f DSGVO, unless another legal basis is specified. The website operator has a legitimate interest in storing cookies for the technically error-free and optimized provision of its services. If consent to the storage of cookies has been requested, the storage of the cookies in question is based exclusively on this consent (Art. 6 para. 1 lit. a DSGVO); consent can be revoked at any time.
You can set your browser so that you are informed about the setting of cookies and only allow cookies in individual cases, exclude the acceptance of cookies for certain cases or in general and activate the automatic deletion of cookies when closing the browser. If cookies are deactivated, the functionality of this website may be limited.
Insofar as cookies are used by third-party companies or for analysis purposes, we will inform you separately about this within the framework of this data protection declaration and, if necessary, request your consent.
Contact form
If you send us inquiries via the contact form, the information you provide in the inquiry form, including the contact data you provide there, will be stored by us for the purpose of processing the inquiry and in case of follow-up questions. We do not pass on this data without your consent.
The processing of this data is based on Art. 6 (1) lit. b DSGVO, if your request is related to the performance of a contract or is necessary for the implementation of pre-contractual measures. In all other cases, the processing is based on our legitimate interest in the effective processing of the requests addressed to us (Art. 6 (1) (f) DSGVO) or on your consent (Art. 6 (1) (a) DSGVO) if this has been requested.
The data you enter in the contact form will remain with us until you request us to delete it, revoke your consent to store it, or the purpose for storing the data no longer applies (e.g. after we have completed processing your request). Mandatory legal provisions – in particular retention periods – remain unaffected.
Inquiry by e-mail, telephone or fax
If you contact us by e-mail, telephone or fax, your inquiry including all resulting personal data (name, inquiry) will be stored and processed by us for the purpose of processing your request. We do not pass on this data without your consent.
The processing of this data is based on Art. 6 (1) lit. b DSGVO, if your request is related to the performance of a contract or is necessary for the implementation of pre-contractual measures. In all other cases, the processing is based on our legitimate interest in the effective processing of the requests sent to us (Art. 6 (1) (f) DSGVO) or on your consent (Art. 6 (1) (a) DSGVO) if this has been requested.
The data you send to us via contact requests will remain with us until you request us to delete it, revoke your consent to store it, or the purpose for storing the data no longer applies (e.g. after your request has been processed). Mandatory legal provisions – in particular legal retention periods – remain unaffected.
Comment function on this website
For the comment function on this site, in addition to your comment, information on the time of creation of the comment, your e-mail address and, if you do not post anonymously, the username you have chosen will be stored.
Storage of the IP address
Our comment function stores the IP addresses of users who post comments. Since we do not check comments on this website before they are activated, we need this data to be able to take action against the author in the event of legal violations such as insults or propaganda.
Storage period of comments
The comments and the associated data are stored and remain on this website until the commented content has been completely deleted or the comments have to be deleted for legal reasons (e.g. insulting comments).
Legal basis
The storage of the comments is based on your consent (Art. 6 para. 1 lit. a DSGVO). You can revoke any consent you have given at any time. For this purpose, an informal communication via e- mail to us is sufficient. The legality of the data processing operations already carried out remains unaffected by the revocation.
5. social media Instagram plugin
On this website, functions of the service Instagram are integrated. These functions are offered by Instagram Inc, 1601 Willow Road, Menlo Park, CA 94025, USA integrated.
If you are logged into your Instagram account, you can, by clicking on the Instagram button
link the content of this website to your Instagram profile. This allows Instagram to associate your visit to this website with your user account. We would like to point out that we, as the provider of the pages, have no knowledge of the content of the transmitted data or its use by Instagram.
The storage and analysis of the data is based on Art. 6 para. 1 lit. f DSGVO. The website operator has a legitimate interest in the widest possible visibility in social media. If a corresponding consent has been requested, the processing will be carried out exclusively on the basis of Art. 6 para. 1 lit. a DSGVO; the consent can be revoked at any time.
For more information, please refer to Instagram’s privacy policy: https://instagram.com/about/legal/privacy/.
Use of the mobile app (Cashflow +)
When downloading the app (Cashflow +), the necessary information is transferred to the app store or Google Play Store. These are in particular user name, email address and customer number of your account, time of download, unique number of the terminal device (IMEI), the mobile phone number (MSISDN), the MAC address for WLAN use and the unique number of the network subscriber (IMSI). We have no influence on this data collection and are not responsible for it. We process this provided data as far as it is necessary for downloading the app to your smartphone. They are not stored further beyond this.
When using the app (Cashflow +), we collect the following additional personal data to enable the functions of the app, which are stored on the end device itself and in the Firebase Realtime Database:
– Name
– age
– email address
– UID (a unique ID created to associate the data).
At the beginning of the app usage, the app requires subsequent access rights and exclusively for the following purpose:
– Safari to determine the time
– Settings to read the current system time and date
– Device ID and call information: Used in the app stores for statistics
IP address
The IP address is necessary for any server to provide you with data. The IP address is also used by some third parties to ensure system security and to determine a rough location (e.g. city). Since an IP address may be associated with your person, we try to avoid storing it or keep it as short as possible. If possible, we anonymize the IP address.
Device-specific ID
A device-specific ID is generated by your end device and enables an assignment across multiple apps. It is used to decide which ads are displayed to you or to collect advanced statistical data. You can easily reset or deactivate the device-specific ID. Thus, an assignment to previous data is no longer possible.
iOS: Settings > Privacy > Advertising
Crash reports
In case of a crash, anonymous information about the cause is sent to our server. This helps us to fix the problems quickly and easily.
Anonymous usage profiles
We record anonymous usage profiles to evaluate where there is room for improvement in our service. These are not used to identify a specific user.
Apple iCloud
Your service settings and usage data may be stored in your Apple iCloud account. This allows for a consistent user experience across multiple devices and installations. You can disable iCloud access for this app in the device settings.
Settings > Apple ID, iCloud, iTunes & App Store > iCloud > Disable for app.
Data Controller: Apple Inc. 1 Infinite Loop, Cupertino, California, USA, 95014
https://www.apple.com/legal/privacy/en-ww/
Apple In App Purchases
If you make an In App Purchase in this app, Apple will store this in your iTunes account. The data will be stored for the entire existence of your account to allow future access. Apple may share personal information with Cashflow +. Cashflow + will only use this information for the purpose of providing the service.
Data Controller: Apple Inc. 1 Infinite Loop, Cupertino, California, USA, 95014
https://www.apple.com/legal/privacy/en-ww/
WorldTimeAPI
When using the app (Cashflow +), the WorldTimeAPI (http://worldtimeapi.org/api/ip) is accessed in the background. This is necessary to be able to calculate an accurate time.
This website does not use cookies or other tracking tokens and does not share the data with third parties. Any information that is stored long term is only used to improve the service.
What is stored by the site:
– Information about the requests made to the service
– Date and time
– IP address of your device (stored only for a few minutes)
– location
– Details of system errors to improve the website
Advertising via Google AdMob
There are advertisements in this app. These are necessary for sustainable funding of the app. You can remove the ad banners by booking the premium version.
For the placement of the advertising banners this app uses Google AdMob. The corresponding privacy policy of Google can be found at: https://policies.google.com/privacy?hl=de
Login and authentication
By signing in or authenticating, users authorize this app to identify them and grant them access to specific services.
Depending on what is indicated below, third-party providers may provide sign-in and authentication services. In this case, this Application may access some data stored by these third party providers for login or identification purposes.
Facebook Authentication (Facebook, Inc.).
Facebook Authentication is a login and authentication service provided by Facebook, Inc. associated with the Facebook social network.
Personal data processed: various types of data, as described in the privacy policy of the service.
Processing location: USA – Privacy Policy.
Google OAuth
Google OAuth is a login and authentication service provided by Google Inc. that is connected to the Google network.
Personal data processed: various types of data, as described in the privacy policy of the service.
Processing location: United States – privacy policy; Ireland – privacy policy.
Direct Login (This Application).
Users sign up by filling out the registration form and providing their personal data directly through this application.
Personal data processed: Email; username; password; profile picture.
Firebase Authentication
Firebase Authentication is a login and authentication service provided by Google LLC or by Google Ireland Limited, depending on the location from which this application is accessed. To facilitate the login and authentication process, Firebase Authentication may use third party identity services and store the information on its platform.
Personal Data Processed: Email; username; password; profile picture.
Processing location: United States – privacy policy; Ireland – privacy policy.
Hosting and Backend Infrastructure
The purpose of these types of services is to host data and files so that this application can be managed and used. Furthermore, these offerings may provide a pre-built infrastructure that handles specific functions or entire components for this application.
Some of these services operate with geographically dispersed servers, making it difficult to determine where personal data is stored.
Firebase Cloud Functions
Firebase Cloud Functions is a web hosting and backend service provided by Google LLC or by Google Ireland Limited, depending on the location from which this application is accessed.
Personal Data Processed: Usage data; various types of data as described in the service’s privacy policy.
Processing location: United States – privacy policy; Ireland – privacy policy.
Firebase Cloud Storage
Firebase Cloud Storage is a web hosting service provided by Google LLC or by Google Ireland Limited, depending on the location from which this application is accessed.
Personal Data Processed: Usage Data; various types of data as described in the Privacy Policy of the service.
Processing location: United States – Privacy Policy; Ireland – Privacy Policy.
Firebase Realtime Database
Firebase Realtime Database is a web hosting and backend service provided by Google LLC or by Google Ireland Limited, depending on the location from which this application is accessed.
Personal Data Processed: Usage Data; various types of data as described in the Privacy Policy of the service.
Processing location: United States – Privacy Policy; Ireland – Privacy Policy.
Affiliate Program
1. financeAds
(1) Processing Purpose.
This website and the app „Cashflow +“uses the affiliate program of financeAds GmbH & Co, Karlstraße 9, 90403 Nuremberg. FinanceAds sets a cookie on the computer / smartphones of the visitor, with the help of which commission payments can be correctly assigned. You can find more information in the privacy policy of FinanceAds: https://www.financeads.net/aboutus/datenschutz/
(2) Legal basis
The legal basis for this processing is Art. 6 para.1 f) DSGVO.
(3) Legitimate interest
My legitimate interest is direct advertising. Your interest in data protection is safeguarded, as the cookies used do not store any data that allows a concrete reference to a person.
(4) Recipient categories
financeAds GmbH & Co, partner companies
(5) RIGHT OF OBJECTION
If you do not wish these cookies to be stored, please deactivate the acceptance of these cookies in your Internet browser. You can delete the cookies on your hard drive at any time.
2 Bondora
(1) Purpose of processing
This website as well as the app „Cashflow +“ uses the affiliate program of Bondora Capital OÜ, A.H.Tammsaare tee 47, Tallinn 11316, Estonia. Bondora sets a cookie on the computer as well as the smartphone of the visitor, with the help of which commission payments can be correctly assigned.
(2) Legal basis
The legal basis for this processing is Art. 6 para.1 f) DSGVO.
(3) Legitimate interest
Our legitimate interest is direct advertising. Your interest in data protection is safeguarded, as the cookies used do not store any data that enables a concrete reference to a person.
(4) Recipient categories
Bondora Capital OÜ, partner companies
(5) RIGHT OF OBJECTION
If you do not wish these cookies to be stored, please deactivate the acceptance of these cookies in your Internet browser. You can delete the cookies from your hard drive at any time.
Changes
We may update this Privacy Policy over time. The new Privacy Policy will be updated in this location.