1. An overview of data protection
General information
The following information will provide you with an easy to navigate overview of what will happen with your personal data when you visit this website. The term “personal data” comprises all data that can be used to personally identify you. For detailed information about the subject matter of data protection, please consult our Data Protection Declaration, which we have included beneath this copy.
Data recording on this website
Who is the responsible party for the recording of data on this website (i.e., the “controller”)?
The data processing on this website is carried out by the website operator. You can find their contact details in the imprint of this website.
How do we record your data?
We collect your data as a result of your sharing of your data with us. This may, for instance be information you enter into our contact form.
Other data is automatically collected by our IT systems or with your consent when you visit the website. This is primarily technical data (e.g. internet browser, operating system or time of the page visit). This data is recorded automatically as soon as you enter this website.
What are the purposes we use your data for?
A portion of the information is generated to guarantee the error free provision of the website. Other data may be used to analyze your user patterns.
What rights do you have as far as your information is concerned?
You have the right to receive information about the source, recipients, and purposes of your archived personal data at any time without having to pay a fee for such disclosures. You also have the right to demand that your data are rectified or eradicated. If you have consented to data processing, you have the option to revoke this consent at any time, which shall affect all future data processing. Moreover, you have the right to demand that the processing of your data be restricted under certain circumstances. Furthermore, you have the right to log a complaint with the competent supervising agency.
You can contact us at any time at the address given in the imprint if you have any further questions about data protection.
Analysis tools and tools provided by third parties
When you visit this website, your surfing behavior can be statistically evaluated. This is done primarily with cookies and with so-called analysis programs.
Detailed information on these analysis programs can be found in the following data protection declaration.
2. Hosting and Content Delivery Networks (CDN)
External hosting
This website is hosted by an external service provider (hoster). The personal information collected on this website is stored on the servers of the host. These may include, but are not limited to, IP addresses, contact requests, metadata and communications, contract information, contact information, names, web page access, and other data generated through a web site.
The use of the hoster is for the purpose of fulfilling the contract 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 performance obligations and to follow our instructions with respect to such data.
Completion of a contract for order processing
In order to guarantee data protection compliant processing, we have concluded a contract processing contract with our hoster.
3. General information and mandatory information
Privacy
The operators of this website take the protection of your personal data very seriously. We treat your personal data as confidential and in accordance with the statutory data protection regulations and this privacy policy.
Whenever you use this website, a variety of personal information will be collected. Personal data comprises data that can be used to personally identify you. This Data Protection Declaration explains which data we collect as well as the purposes we use this data for. It also explains how, and for which purpose the information is collected.
We herewith advise you that the transmission of data via the Internet (i.e., through e-mail communications) may be prone to security gaps. It is not possible to completely protect data against third-party access
Information about the responsible party (referred to as the “controller” in the GDPR)
The data processing controller on this website is:
Valery melech
Sandhofer Str. 228
68307 Mannheim
Phone: 015251413898
Email: info@finber.com
The controller is the natural person or legal entity that single-handedly or jointly with others makes decisions as to the purposes of and resources for the processing of personal data (e.g., names, e-mail addresses, etc.).
Revocation of your consent to the processing of data
Many data processing operations are only possible with your express consent. You can revoke consent that you have already given at any time. An informal message by e-mail to us is sufficient. The legality of the data processing that took place up until the revocation remains unaffected by the revocation.
Right to object to the collection of data in special cases; right to object to direct advertising (Art. 21 GDPR)
IF DATA PROCESSING IS BASED ON ART. 6 ABS. 1 LIT. E OR F DSGVO, YOU HAVE THE RIGHT, AT ANY TIME, TO CONTRADICTIVE TO THE PROCESSING OF YOUR PERSONAL DATA FOR REASONS OBTAINED FROM YOUR SPECIFIC SITUATION; THIS APPLIES ALSO TO A PROFILING BASED ON THESE PROVISIONS. THE RELEVANT LEGAL BASIS ON WHICH A PROCESS IS BASED IS PERMITTED BY THIS PRIVACY POLICY. IF YOU CLAIM ANY DISPUTE, WE WILL NO LONGER PROCESS YOUR AFFECTED PERSONAL DATA, UNLESS WE MAY PROVIDE IMPERATIVE REASONABLE REASONS FOR PROCESSING THAT PREVENT ITS INTERESTS, RIGHTS AND FREEDOMS OR THE PROCESSING OF THE FORMATION, EXERCISE OR DEFENSE OF LEGAL ATTRIBUTIONS ( OPPOSITION ACCORDING TO ART 21 ABS 1 DSGVO).
IF YOUR PERSONAL DATA IS BEING PROCESSED IN ORDER TO ENGAGE IN DIRECT ADVERTISING, YOU HAVE THE RIGHT TO OBJECT TO THE PROCESSING OF YOUR AFFECTED PERSONAL DATA FOR THE PURPOSES OF SUCH ADVERTISING AT ANY TIME. THIS ALSO APPLIES TO PROFILING TO THE EXTENT THAT IT IS AFFILIATED WITH SUCH DIRECT ADVERTISING. IF YOU OBJECT, YOUR PERSONAL DATA WILL SUBSEQUENTLY NO LONGER BE USED FOR DIRECT ADVERTISING PURPOSES (OBJECTION PURSUANT TO ART. 21(2) GDPR).
Right to log a complaint with the competent supervisory agency
In the event of violations of the GDPR, data subjects are entitled to log a complaint with a supervisory agency, in particular in the member state where they usually maintain their domicile, place of work or at the place where the alleged violation occurred. The right to log a complaint is in effect regardless of any other administrative or court proceedings available as legal recourses.
Right to data portability
You have the right to have data that we process automatically on the basis of your consent or in fulfillment of a contract handed over to you or to a third party in a common, machine-readable format. If you should demand the direct transfer of the data to another controller, this will be done only if it is technically feasible.
SSL and/or TLS encryption
This site uses SSL or TLS encryption for security purposes and to protect the transmission of confidential content, such as orders or requests you send to us as a site operator. An encrypted connection is indicated by the browser's address bar changing from "http: //" to "https: //" and the lock icon in your browser bar.
If SSL or TLS encryption is activated, the data you transfer to us cannot be read by third parties.
Information, cancellation and rectification
Within the scope of the applicable legal provisions, you have the right to free information about your stored personal data, their origin and recipient and the purpose of the data processing and, if necessary, a right to rectification or deletion of this data. For further information on personal data, please contact us at any time at the address given in the imprint.
Right to demand processing restrictions
You have the right to request the restriction of the processing of your personal data. 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 deny the accuracy of your personal information stored with us, we usually need time to verify this. For the duration of the audit you have the right to request the restriction of the processing of your personal data.
  • If the processing of your personal data is unlawful, you may request the restriction of data processing instead of deletion.
  • If the processing of your personal data was/is conducted in an unlawful manner, you have the option to demand the restriction of the processing of your data instead of demanding the eradication of this data.
  • If we do not need your personal data any longer and you need it to exercise, defend or claim legal entitlements, you have the right to demand the restriction of the processing of your personal data instead of its eradication.
If you have restricted the processing of your personal data, these data may be - except for their storage - only with your consent or for the assertion, exercise or defense of legal claims or to protect the rights of another natural or legal person or for reasons of important public interest the European Union or a Member State.
4. Recording of data on this website
Cookies
Our website uses so-called "cookies". Cookies are small text files and do no damage to your device. They are either stored temporarily on your device for the duration of a session (session cookies) or permanently (permanent cookies). Session cookies are automatically deleted at the end of your visit. Permanent cookies remain on your device until you delete them yourself or they are automatically deleted by your web browser.
Teilweise können auch Cookies von Drittunternehmen auf Ihrem Endgerät gespeichert werden, wenn Sie unsere Seite betreten (Third-Party-Cookies). Diese ermöglichen uns oder Ihnen die Nutzung bestimmter Dienstleistungen des Drittunternehmens (zB Cookies zur Abwicklung von Zahlungsdidublungen).
Cookies have different functions. Numerous cookies are technically necessary because 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 to display advertising.
Cookies that are required to carry out the electronic communication process (necessary cookies) or to provide certain functions you require (functional cookies, e.g. for the shopping cart function) or to optimize the website (e.g. cookies to measure the web audience) on the basis of Art. 6 para. 1 lit. f GDPR saved, 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 relevant cookies takes place exclusively on the basis of this consent (Art. 6 Para. 1 lit. a GDPR); the consent can 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.
Insofar as cookies from third-party companies or for analysis purposes are used, we will inform you of this separately in the context of this data protection declaration and, if necessary, ask for consent.
Cookie consent with Usercentrics
Diese Website nutzt die Cookie-Consent-Technologie von Usercentrics, um Ihre Einwilligung zur Speicherung bestimmter Cookies auf Ihrem Endgerät einzuholen und diese datenschutzkonform zu dokumentieren. Anbieter dieser Technologie ist die Usercentrics GmbH, Rosental 4, 80331 München, Website: https://usercentrics.com/de/ (hereinafter "Usercentrics").
When you enter our website, the following personal data is transferred to Usercentrics:
  • Your consent (s) or the revocation of your consent (s)
  • Your IP address
  • Information about your browser
  • Information about your device
  • Time of your visit to the website
Furthermore, Usercentrics stores a cookie in your browser in order to be able to assign you the granted consent or its revocation. The data collected in this way will be stored until you ask us to delete it, delete the Usercentrics cookie yourself or the purpose for data storage no longer applies. Mandatory statutory retention requirements remain unaffected.
Der Einsatz von Usercentrics erfolgt, um die gesetzlich vorgeschriebenen Einwilligungen für den Einsatz von Cookies einzuholen. Rechtsgrundlage hierfür ist Art. 6 abs. 1 S. 1 lit. c DSGVO.
Order processing contract
We have concluded an order processing contract with Usercentrics. This is a contract prescribed by data protection law, which ensures that Usercentrics processes the personal data of our website visitors only in accordance with our instructions and in compliance with the GDPR.
Server log files
The website provider automatically collects and stores information that your browser automatically transmits to us in "server log files". These are:
  • The type and version of browser used
  • The used operating system
  • Referrer URL
  • The hostname of the accessing computer
  • The time of the server inquiry
  • The IP address
This data is not merged with other data sources.
This data is recorded on the basis of Art. 6(1)(f) GDPR. The operator of the website has a legitimate interest in the technically error free depiction and the optimization of the operator’s website. In order to achieve this, server log files must be recorded.
Contact form
If you submit inquiries to us via our contact form, the information provided in the contact form as well as any contact information provided therein will be stored by us in order to handle your inquiry and in the event that we have further questions. We will not share this information without your consent.
The processing of this data is based on Art. 6 para. 1 lit. b DSGVO, if your request is related to the performance of a contract or is required to carry out pre-contractual action. In all other cases, the processing is based on our legitimate interest in the effective processing of requests addressed to us (Art. 6 para. 1 lit. f DSGVO) or your consent (Art. 6 para. 1 lit. a DSGVO), if these was queried.
The information you have entered into the contact form shall remain with us until you ask us to eradicate the data, revoke your consent to the archiving of data or if the purpose for which the information is being archived no longer exists (e.g., after we have concluded our response to your inquiry). This shall be without prejudice to any mandatory legal provisions, in particular retention periods.
Request by e-mail, telephone, or fax
If you contact us by e-mail, telephone or fax, your request, including all resulting personal data (name, request) will be stored and processed by us for the purpose of processing your request. We do not pass these data on without your consent.
The processing of this data is based on Art. 6 para. 1 lit. b DSGVO, if your request is related to the performance of a contract or is required to carry out pre-contractual action. In all other cases, the processing is based on our legitimate interest in the effective processing of requests addressed to us (Art. 6 para. 1 lit. f DSGVO) or your consent (Art. 6 para. 1 lit. a DSGVO), if these was queried.
The data sent by you to us via contact requests remain with us until you request us to delete, revoke your consent to the storage or the purpose for the data storage lapses (e.g. after completion of your request). Mandatory statutory provisions - in particular statutory retention periods - remain unaffected.
Unter dem Punkt Datenschutzerklärung erklären Sie sich einverstanden, dass im Rahmen der Zusammenarbeit Daten an Dienstleister weitergegeben werden dürfen. Im Folgenden finden Sie eine Liste der Unternehmen.
 
Unternehmen zur Unterstützung der Vertragsabwicklung
DEMV Deutscher Maklerverbund GmbH, Dammtorwall 7a, 20354 Hamburg
Digidor GmbH, Teltower Damm 19, 14169 Berlin
Fonds Forum Handels- und Servicegesellschaft für Kapitalanlagen mbH, Siegburger Str. 39a, 53757 Sankt Augustin
Jung, DMS & Cie. Pool GmbH, Kormoranweg 1, 65201 Wiesbaden
Procheck 24 GmbH, Landshuter Allee 8, 80637 Munich
eFonds24 GmbH, Albert-Roßhaupter-Str. 43, 81369 Munich
Qualitypool GmbH, Büroanschrift: Hansestraße 14, 23558 Lübeck, Postanschrift: Postfach 2099, 23508 Lübeck
 
Hersteller von Maklersoftware
DEMV Systems GmbH, Dammtorwall 7a, 20354 Hamburg
Smart InsurTech AG, c / o Hypoport AG, Klosterstraße 71, 10179 Berlin
Innosystems GmbH, Billerberg 11, 82266 Inning am Ammersee
MORGEN & MORGEN GmbH, Wickerer Weg 13 – 15, 65719 Hofheim am Taunus
Franke und Bornberg GmbH, Prinzenstraße 16, 30159 Hannover
Thinksurance GmbH, Stephanstraße 14-16, 60313 Frankfurtam Main
 
5. Analysis tools and advertising
Google Analytics
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". These are text files that are stored on your computer and that allow an analysis of the use of the website by you. The information generated by the cookie about your use of this website is usually transmitted to a Google server in the USA and stored there.
The storage of Google Analytics cookies and the use of this analysis tool are based on Art. 6 para. 1 lit. f DSGVO. The website operator has a legitimate interest in analyzing user behavior in order to optimize both its website and its advertising. If a corresponding consent has been requested (eg consent to the storage of cookies), the processing is carried out exclusively on the basis of Art. 6 para. 1 lit. a GDPR; the consent is revocable at any time.
IP anonymization
We have activated the IP anonymization function on this website. As a result, your IP address will be shortened by Google within member states of the European Union or in other contracting states of the Agreement on the European Economic Area before it is transmitted to the USA. Only in exceptional cases will the full IP address be sent to a Google server in the USA and shortened there. On behalf of the operator of this website, Google will use this information to evaluate your use of the website, to compile reports on website activity and to provide other services related to website activity and internet usage to the website operator. The IP address transmitted by your browser as part of Google Analytics will not be merged with other Google data.
Functions of the Instagram service are integrated on this website. These functions are offered by Facebook Ireland Limited, 4 Grand Canal Square, Grand Canal Harbor, Dublin 2, Ireland.
If you are logged into your Instagram account, you may click the Instagram button to link contents from this website to your Instagram profile. This enables Instagram to allocate your visit to this website to your user account. We have to point out that we as the provider of the website and its pages do not have any knowledge of the content of the data transferred and its use by Instagram.
The storage and analysis of the data is based on Art. 6 Para. 1 lit. f GDPR. The website operator has a legitimate interest in the greatest possible visibility in social media. If a corresponding consent has been requested, the processing takes place exclusively on the basis of Art. 6 Para. 1 lit. a GDPR; the consent can be revoked at any time.
The data transfer to the USA is based on the standard contractual clauses of the EU Commission. Details can be found here:
https://www.facebook.com/legal/EU_data_transfer_addendum, https://help.instagram.com/519522125107875 und https://de-de.facebook.com/help/566994660333381.
For more information, see the Instagram Privacy Policy: https://instagram.com/about/legal/privacy/.
Browser plug-in
You can prevent these cookies being stored by selecting the appropriate settings in your browser. However, we wish to point out that doing so may mean you will not be able to enjoy the full functionality of this website. You can also prevent the data generated by cookies about your use of the website (incl. your IP address) from being passed to Google, and the processing of these data by Google, by downloading and installing the browser plugin available at the following link:
https: //tools.google.com/dlpage/gaoptout? hl = de
.
Objection to data collection
You can prevent the collection of your data by Google Analytics by clicking on the following link. An opt-out cookie will be set to prevent your data from being collected on future visits to this site:
GoGoogle Analytics deactivated
.
For more information about how Google Analytics handles user data, see Google's privacy policy:
https://support.google.com/analytics/answer/6004245?hl=de.
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 data collection by Google Analytics
This website uses the demographics feature of Google Analytics. As a result, reports can be produced that contain statements on the age, gender and interests of the site visitors. This data comes from interest-based advertising from Google and third-party visitor data. This data can not be assigned to a specific person. You can disable this feature at any time through the ad settings in your Google Account, or generally prohibit the collection of your data by Google Analytics as outlined in the section "Opposition to Data Collection".
Retention period
User and event-level data stored on Google associated with cookies, user IDs (such as User IDs) or promotional IDs (eg, DoubleClick cookies, Android Advertising IDs) will be anonymized after 14 months or deleted. Details can be found under the following link: https://support.google.com/analytics/answer/7667196?hl=de
DEMV
Unsere Website verwendet ein Login-Formular zum Kundenportal des Anbieters DEMV Deutscher Maklerverbund GmbH, Dammtorwall 7a, 20354 Hamburg, Deutschland „DEMV“. Über dieses Formular ist ein Login in das Kundenportal direkt von dieser Homepage aus möglich. Dazu werden Ihre Eingaben im Login-Formular, Ihre IP-Address, die von Ihnen aufgerufene Seite sowie der Zugriffszeitpunkt und Ihre Browserconfiguration an DEMV übertragen. Weitere Informationen finden Sie in den Datenschutzhinweisen von DEMV: https://www.demv.de/rechtliche-hinweise... Die Rechtsgrundlage für die Verarbeitung Ihrer Daten in Bezug auf den Dienst "DEMV" ist Art. 6 Abs. 1 S. 1 Buchstabe a) DSGVO (Einwilligung des Betroffenen). Wir bitten Sie beim ersten Aufruf der Webseite über einen eingeblendeten Hinweistext um Ihr Einverständnis zur Verwendung des Dienstes. Ihre Einwilligung können Sie jederzeit mit Wirkung für die Zukunft widerrufen, indem Sie in Ihrem Browser alle Cookies löschen. Wie dies in Ihrem Browser funktioniert, können Sie der Anleitung des Browsers entnehmen.
6. Plug-ins and Tools
Google Web Fonts
This site uses so-called web fonts provided by Google for the uniform display of fonts. The Google Fonts are installed locally. There is no connection to Google servers.
Further information about handling user data, can be found at https://developers.google.com/fonts/faq and in Google's privacy policy at https://policies.google.com/privacy?hl=de.
Google Maps
This site uses the mapping service Google Maps via an API. Provider is Google Ireland Limited ("Google"), Gordon House, Barrow Street, Dublin 4, Ireland.
To use Google Maps, it is necessary to save your IP address. This information is generally transmitted to a Google server in the USA and stored there. The provider of this site has no influence on this data transfer.
The use of Google Maps is in the interest of an attractive presentation of our online offers and to make it easier to find the places we have specified on the website. This represents a legitimate interest within the meaning of Art. 6 para. 1 lit. f GDPR. If a corresponding consent has been requested, the processing takes place exclusively on the basis of Art. 6 Para. 1 lit. a GDPR; the consent can be revoked at any time.
Further information about handling user data, can be found in the data protection declaration of Google at  https://policies.google.com/privacy?hl=de.
Google reCAPTCHA
We use "Google reCAPTCHA" (hereafter "reCAPTCHA") on this website. Provider is Google Ireland Limited ("Google"), Gordon House, Barrow Street, Dublin 4, Ireland.
With reCAPTCHA it should be checked whether the data entry on this website (eg in a contact form) is done by a human or by an automated program. To do this, reCAPTCHA analyzes the behavior of the website visitor based on various characteristics. This analysis begins automatically as soon as the website visitor enters the website. For analysis, reCAPTCHA evaluates various information (eg IP address, website visitor's time spent on the website or mouse movements made by the user). The data collected during the analysis will be forwarded to Google.
The reCAPTCHA analyzes are completely in the background. Site visitors are not advised that an analysis is taking place.
The storage and analysis of the data is based on Art. 6 Para. 1 lit. f GDPR. The website operator has a legitimate interest in protecting its web offerings against abusive automated spying and against SPAM. If a corresponding consent has been requested (e.g. consent to the storage of cookies), the processing takes place exclusively on the basis of Art. 6 Para. 1 lit. a GDPR; the consent can be revoked at any time.
For more information on Google reCAPTCHA, please see the Google Privacy Policy and the Google Terms of Service at the following links: https://policies.google.com/privacy?hl=de and https://policies.google.com/terms?hl=de.
Calendly
Sie haben die Möglichkeit sich auf unserer Webseite für einen Rückruf anzumelden. Wir verwenden zur Anfrage und Auswahl eines Termins den Online-Kalender "Calendly". "Calendly" ist ein Angebot der Calendly, LLC, 3423 Piedmont Road NE, Atlanta, GA 30305-1754, United States.
Wenn Sie auf den Rückruf-Vereinbaren-Button drücken, werden Sie automatisch mit unserem Terminaccount bei Calendly verbunden. Nach der Wahl Ihres Terms, der Bestätigung und der Eintragung Ihrer Kontaktdaten und Anliegen erhalten Sie von Calendly eine Email mit der Bestätigung Ihres Terms. Weitere Informationen zu Calendly und dem Datenschutz bei Calendly können Sie hier einsehen: https://calendly.com/pages/privacy
Ihre Angaben aus dem Calendly-Formular inklusive der von Ihnen dort angegebenen Daten werden zwecks Bearbeitung der Anfrage und für den Fall von Anschlussfragen bei uns gespeichert. Diese Daten verbleiben bei uns, bis Sie uns zur Löschung auffordern, Ihre Einwilligung zur Speicherung widerrufen oder der Zweck für die Datenspeicherung entfällt (zB erfolgter Termin). Zwingende gesetzliche Bestimmungen - insbesondere Aufbewahrungsfristen - bleiben unberührt.
Proven Expert
Teilweise verwenden wir auf unserer Seite Elemente des Bewertungsportales provenexpert.com. Beim Aufruf dieser Seiten werden Daten von deren Servern übertragen. Dieser erfährt dabei, welche unserer Seiten Sie aufgerufen haben.
Weitere Informationen zum Umgang mit Ihren Nutzerdaten finden Sie in der Datenschutzerklärung von provenexpert.com: www.provenexpert.com/de-de/datenschutzbestimmungen