1. Data protection at a glance
General Notes
The following notes provide a simple overview of what happens to your personal data when you visit this website. Personal data is any data with which you can be personally identified. Detailed information on the subject of data protection can be found in our privacy policy listed below this text.
Data collection on this website
Who is responsible for the data collection on this website?
Data processing on this website is carried out by the website operator. Their contact details can be found in the imprint on this website.
How do we collect your data?
Your data is collected, on the one hand, by you providing it to us. This may, for example, be data that you enter into a contact form.
Other data is collected automatically or with your consent by our IT systems when you visit the website. This is primarily technical data (e.g. internet browser, operating system or time of the 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 the error-free provision of the website. Other data may be used to analyse your user behaviour.
What rights do you have regarding your data?
You have the right at any time to obtain free information about the origin, recipient and purpose of your stored personal data. You also have the right to request the rectification or erasure of this data. If you have given 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 as well as for further questions regarding data protection, you can contact us at any time at the address given in the legal notice.
Analysis tools and third-party tools
When you visit this website, your browsing behaviour may be statistically evaluated. This happens primarily with cookies and so-called analysis programs.
Detailed information on these analysis programs can be found in the following privacy policy.
2. Hosting and Content Delivery Networks (CDN)
External hosting
This website is hosted by an external service provider (host). The personal data collected on this website is stored on the host's servers. This may include, in particular, IP addresses, contact requests, meta and communication data, contract data, contact details, names, website access and other data generated via a website.
The use of the host is for the purpose of fulfilling the contract with our potential and existing customers (Art. 6 para. 1 lit. b GDPR) and in the interest of a secure, fast and efficient provision of our online service by a professional provider (Art. 6 para. 1 lit. f GDPR).
Our hoster will only process your data to the extent necessary to fulfil their service obligations and will follow our instructions regarding this data.
Conclusion of a data processing agreement
To ensure data-protection-compliant processing, we have concluded a data processing agreement with our host.
3. General notes and mandatory information
Privacy policy
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 privacy policy.
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 happens.
Please note that data transmission on the internet (e.g. when communicating by email) may be subject to security vulnerabilities. It is not possible to completely protect data against access by third parties.
Note on the data controller
The controller responsible for data processing on this website is:
Valery Melech
Sandhofer Str. 228
68307 Mannheim
Telephone: 015251413898
E-Mail: [email protected]
The data controller is the natural or legal person who, alone or jointly with others, determines the purposes and means of the processing of personal data (e.g. names, email addresses, etc.).
Withdrawal of your consent to data processing
Many data processing operations are only possible with your explicit consent. You can revoke consent that has already been given at any time. An informal message by e-mail to us is sufficient for this. The legality of the data processing carried out up to the revocation remains unaffected by the revocation.
Right to object to data collection in special cases and to direct marketing (Art. 21 GDPR)
WHERE DATA PROCESSING IS BASED ON ART. 6(1)(E) OR (F) GDPR, YOU HAVE THE RIGHT TO OBJECT, ON GROUNDS RELATING TO YOUR PARTICULAR SITUATION, AT ANY TIME TO PROCESSING OF PERSONAL DATA CONCERNING YOU; 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 AFFECTED PERSONAL DATA UNLESS WE CAN DEMONSTRATE COMPELLING LEGITIMATE GROUNDS FOR THE PROCESSING WHICH OVERRIDE YOUR INTERESTS, RIGHTS AND FREEDOMS OR THE PROCESSING SERVES THE ESTABLISHMENT, EXERCISE OR DEFENCE OF LEGAL CLAIMS (OBJECTION PURSUANT TO ART. 21(1) GDPR).
IF YOUR PERSONAL DATA IS PROCESSED FOR DIRECT MARKETING PURPOSES, YOU HAVE THE RIGHT TO OBJECT AT ANY TIME TO THE PROCESSING OF PERSONAL DATA CONCERNING YOU FOR SUCH MARKETING; THIS ALSO APPLIES TO PROFILING TO THE EXTENT THAT IT IS RELATED TO SUCH DIRECT MARKETING. IF YOU OBJECT, YOUR PERSONAL DATA WILL SUBSEQUENTLY NO LONGER BE USED FOR THE PURPOSE OF DIRECT MARKETING (OBJECTION PURSUANT TO ART. 21 PARA. 2 GDPR).
Right to lodge a complaint with the competent supervisory authority
In the event of infringements of the GDPR, data subjects have the right to lodge a complaint with a supervisory authority, in particular in the member state of their habitual residence, place of work or place of the alleged infringement. The right to lodge a complaint shall be 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 fulfilment of a contract handed over to you or to a third party in a standard, machine-readable format. If you request the direct transfer of the data to another controller, this will only be done insofar as it is technically feasible.
SSL or TLS encryption
For security reasons and to protect the transmission of confidential content, such as orders or enquiries that you send to us as the site operator, this site uses SSL or TLS encryption. You can recognise an encrypted connection by the fact that the address line of the browser changes from „http://“ to „https://“ and by the lock symbol in your browser bar.
If SSL or TLS encryption is enabled, the data you transmit to us cannot be read by third parties.
Access, erasure and rectification
Subject to the applicable statutory provisions, you have the right at any time to obtain free information about your stored personal data, its origin and recipients, and the purpose of the data processing and, where applicable, a right to the rectification or erasure of this data. For this purpose, as well as for any other questions regarding personal data, you can contact us at any time at the address given in the legal notice.
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 using the address given in the legal notice. The right to restriction of processing exists in the following cases:
  • If you contest the accuracy of your personal data stored with us, we generally require time to verify this. For the duration of the verification, you have the right to request the restriction of the processing of your personal data.
  • If the processing of your personal data was or is unlawful, you may request the restriction of data processing instead of erasure.
  • If we no longer require your personal data, but you need them for the establishment, exercise or defence of legal claims, you have the right to request the restriction of the processing of your personal data instead of erasure.
  • If you have lodged an objection pursuant to Article 21(1) GDPR, a balancing of your interests 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.
Where you have restricted the processing of your personal data, such data may – with the exception of storage – only be processed with your consent or for the establishment, exercise or defence of legal claims or for the protection of the rights of another natural or legal person or for reasons of important public interest of the European Union or of a Member State.
4. Data collection on this website
Biscuits
Our websites use so-called „cookies“. Cookies are small text files and do not cause any damage to your device. They are stored on your device either temporarily for the duration of a session (session cookies) or permanently (permanent cookies). Session cookies are automatically deleted after the end of your visit. Permanent cookies remain stored on your device until you delete them yourself or your web browser carries out an automatic deletion.
Partly, cookies from third-party companies may also be stored on your device when you visit 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. Numerous cookies are technically necessary, as certain website functions would not work without them (e.g. the shopping basket function or the display of videos). Other cookies are used to evaluate user behaviour or to display advertising.
Cookies that are necessary for the electronic communication process (essential cookies), to provide certain functions requested by you (functional cookies, e.g. for the shopping basket function) or to optimise the website (e.g. cookies to measure the web audience) are stored on the basis of Art. 6 (1) (f) GDPR, unless another legal basis is specified. The website operator has a legitimate interest in the storage of cookies for the technically error-free and optimised 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 (1) (a) GDPR); consent can be revoked at any time.
You can configure your browser to notify you about the placement of cookies and allow cookies only on a case-by-case basis, exclude the acceptance of cookies for specific cases or in general, and activate the automatic deletion of cookies when closing the browser. Deactivating cookies may restrict the functionality of this website.
Insofar as cookies are used by third-party companies or for analytical purposes, we will inform you separately about this within the scope of this privacy policy and, if necessary, request your consent.
Cookie consent with Usercentrics
This website uses the cookie consent technology of Usercentrics to obtain your consent to the storage of certain cookies on your device and to document this in a data protection-compliant manner. The provider of this technology is Usercentrics GmbH, Rosental 4, 80331 Munich, website: https://usercentrics.com/de/ (hereinafter „Usercentrics“).
When you enter our website, the following personal data is transferred to Usercentrics:
  • Your consent or the withdrawal of your consent
  • Your IP address
  • Information about your browser
  • Information about your device
  • Date and time of your visit to the website
Furthermore, Usercentrics stores a cookie in your browser in order to be able to assign the consents you have given or their revocation. The data collected in this way is stored until you request us to delete it, delete the Usercentrics cookie yourself, or the purpose for data storage no longer applies. Mandatory statutory retention periods remain unaffected.
Usercentrics is used to obtain the legally required consent for the use of cookies. The legal basis for this is Art. 6(1)(c) GDPR.
Data Processing Agreement
We have concluded a data processing agreement with Usercentrics. This is a legally mandated contract under data protection law that ensures 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 provider of the pages automatically collects and stores information in so-called server log files, which your browser automatically transmits to us. These are:
  • Browser type and version
  • operating system used
  • Referrer URL
  • Hostname of the accessing computer
  • Server request time
  • IP address
These data will not be combined with other data sources.
The collection of this data is based on Art. 6 para. 1 lit. f GDPR. The website operator has a legitimate interest in the technically error-free display and optimization of their website – for this purpose, the server log files must be collected.
Contact form
If you send us enquiries via the contact form, your details from the enquiry form, including the contact data you provided there, will be stored by us for the purpose of processing the enquiry and in the event of follow-up questions. We will not pass on this data without your consent.
The processing of this data is based on Art. 6 para. 1 lit. b GDPR, provided your request is related to the fulfilment 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 enquiries directed to us (Art. 6 para. 1 lit. f GDPR) or on your consent (Art. 6 para. 1 lit. a GDPR) provided this has been obtained.
The data you entered in the contact form will remain with us until you ask us to delete it, revoke your consent for storage, or the purpose for data storage no longer applies (e.g. after your request has been processed). Mandatory statutory provisions – in particular retention periods – remain unaffected.
Enquiry by email, telephone or fax
If you contact us by email, telephone or fax, your enquiry, including all personal data resulting therefrom (name, enquiry), will be stored and processed by us for the purpose of handling your request. We will not pass on these data without your consent.
The processing of this data is based on Art. 6 para. 1 lit. b GDPR, provided your request is related to the fulfilment 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 enquiries directed to us (Art. 6 para. 1 lit. f GDPR) or on your consent (Art. 6 para. 1 lit. a GDPR) provided this has been obtained.
The data you sent to us via contact requests will remain with us until you ask us to delete it, revoke your consent for storage, or the purpose for data storage no longer applies (e.g. after your request has been processed). Mandatory statutory provisions – in particular statutory retention periods – remain unaffected.
Under the privacy policy section, you agree that data may be passed on to service providers as part of the cooperation. Below you will find a list of the companies.
 
contract lifecycle management company
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, office address: Hansestraße 14, 23558 Lübeck, postal address: Postfach 2099, 23508 Lübeck
 
broker software vendors
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 Frankfurt am Main
 
5. Analytics tools and advertising
Google Analytics
This website uses functions of the web analysis service Google Analytics. The provider 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 enable an analysis of your use of the website. The information generated by the cookie about your use of this website is generally 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 Article 6(1)(f) of the GDPR. The website operator has a legitimate interest in analysing user behaviour in order to optimise both their web offering and their advertising. Where corresponding consent has been requested (e.g. consent to the storage of cookies), the processing is carried out exclusively on the basis of Article 6(1)(a) of the GDPR; this consent may be revoked at any time.
IP anonymisation
We have activated the IP anonymisation function on this website. As a result, your IP address will be truncated by Google within member states of the European Union or in other signatory states to the Agreement on the European Economic Area prior to transmission to the USA. Only in exceptional cases will the full IP address be transmitted to a Google server in the USA and truncated 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 the website operator with other services relating to website and internet use. The IP address transmitted by your browser as part of Google Analytics will not be merged with other data held by Google.
Features of the Instagram service are integrated into this website. These features are offered by Facebook Ireland Limited, 4 Grand Canal Square, Grand Canal Harbour, Dublin 2, Ireland.
If you are logged into your Instagram account, you can link the content of this website to your Instagram profile by clicking the Instagram button. 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 data transmitted or 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 achieving the greatest possible visibility on social media. Where corresponding consent has been requested, the processing is carried out exclusively on the basis of Art. 6 para. 1 lit. a GDPR; the consent may be revoked at any time.
Data transfer to the USA is based on the European Commission's standard contractual clauses. 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.
Further information on this can be found in Instagram's privacy policy: https://instagram.com/about/legal/privacy/.
Browser extension
You can prevent the storage of cookies by adjusting your browser software settings; however, please note that if you do this, you may not be able to use the full functionality of this website. Furthermore, you can prevent Google from collecting the data generated by the cookie and relating to your use of the website (including your IP address) and the processing of this data by Google by downloading and installing the browser plug-in 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 which prevents the collection of your data during future visits to this website:
GoDisable Google Analytics
.
More information on the handling of user data by Google Analytics can be found in Google's privacy policy:
https://support.google.com/analytics/answer/6004245?hl=de.
Data processing on behalf of a controller
We have concluded a data processing agreement with Google and fully implement the strict requirements of the German data protection authorities when using Google Analytics.
Demographic characteristics in Google Analytics
This website uses the „demographic characteristics“ function of Google Analytics. This allows reports to be created that contain statements about the age, gender and interests of site visitors. This data comes from interest-based advertising by Google and from third-party visitor data. This data cannot be assigned to a specific person. You can disable this function at any time via the ad settings in your Google account or generally prohibit the collection of your data by Google Analytics as described in the section „Objection to data collection“.
Retention period
Google user-level and event-level data associated with cookies, user identifiers (e.g. User ID) or advertising IDs (e.g. DoubleClick cookies, Android advertising ID) are anonymised or deleted after 14 months. You can find more details at the following link: https://support.google.com/analytics/answer/7667196?hl=de
DEMV
Our website uses a login form for the customer portal of the provider DEMV Deutscher Maklerverbund GmbH, Dammtorwall 7a, 20354 Hamburg, Germany, „DEMV“. This form allows you to log into the customer portal directly from this homepage. For this purpose, your entries in the login form, your IP address, the page you accessed, as well as the time of access and your browser configuration, are transmitted to DEMV. Further information can be found in DEMV's data protection information: https://www.demv.de/rechtliche-hinweise. The legal basis for the processing of your data in relation to the „DEMV“ service is point (a) of the first sentence of Article 6(1) GDPR (consent of the data subject). When you first access the website, we ask for your consent to use the service via an overlay notification. You may withdraw your consent at any time with future effect by deleting all cookies in your browser. Instructions on how to do this in your browser can be found in your browser's help documentation.
6. Plugins and tools
Google Web Fonts
For the uniform display of fonts, this site uses so-called web fonts provided by Google. The Google Fonts are installed locally. No connection to Google servers is established in the process.
Further information on Google Web Fonts can be found at https://developers.google.com/fonts/faq and in Google's privacy policy: https://policies.google.com/privacy?hl=de.
Google Maps
This site uses the Google Maps mapping service via an API. The provider is Google Ireland Limited („Google“), Gordon House, Barrow Street, Dublin 4, Ireland.
To use the features of 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.
Google Maps is used in the interest of an appealing presentation of our online services and to make it easy to find the places indicated by us on the website. This constitutes a legitimate interest within the meaning of Art. 6 (1) (f) GDPR. If corresponding consent has been requested, the processing is carried out exclusively on the basis of Art. 6 (1) (a) GDPR; the consent can be revoked at any time.
More information on the handling of user data can be found in Google's privacy policy: https://policies.google.com/privacy?hl=de.
Google reCAPTCHA
We use „Google reCAPTCHA“ (hereinafter referred to as „reCAPTCHA“) on this website. The provider is Google Ireland Limited („Google“), Gordon House, Barrow Street, Dublin 4, Ireland.
reCAPTCHA is used to check whether data entry on this website (e.g. in a contact form) is carried out by a human or by an automated program. To this end, reCAPTCHA analyses the behaviour of the website visitor based on various characteristics. This analysis begins automatically as soon as the website visitor enters the website. For the analysis, reCAPTCHA evaluates various information (e.g. IP address, duration of the website visitor's stay on the website or mouse movements made by the user). The data collected during the analysis is forwarded to Google.
The reCAPTCHA analyses run completely in the background. Website visitors are not notified that an analysis is taking place.
The storage and analysis of the data are based on Art. 6 (1) (f) GDPR. The website operator has a legitimate interest in protecting its website offerings from abusive automated scraping and from SPAM. If a corresponding consent has been requested (e.g. consent to the storage of cookies), the processing is carried out exclusively on the basis of Art. 6 (1) (a) GDPR; the consent can be revoked at any time.
Further information regarding Google reCAPTCHA can be found in the Google Privacy Policy and Google Terms of Service at the following links: https://policies.google.com/privacy?hl=de and https://policies.google.com/terms?hl=de.
Calendly
You have the option to sign up for a call-back on our website. We use the online calendar „Calendly“ to request and select an appointment. „Calendly“ is a service provided by Calendly, LLC, 3423 Piedmont Road NE, Atlanta, GA 30305-1754, United States.
If you click the book-a-callback button, you will be automatically connected to our appointment account on Calendly. After selecting your appointment, confirming it, and entering your contact details and query, you will receive an email from Calendly confirming your appointment. Further information on Calendly and its data privacy policy can be viewed here: https://calendly.com/pages/privacy
Your details from the Calendly form, including the data you provided there, will be stored by us for the purpose of processing the request and in the event of follow-up questions. This data will remain with us until you ask us to delete it, revoke your consent for storage, or the purpose for data storage no longer applies (e.g. completed appointment). Mandatory statutory provisions – in particular retention periods – remain unaffected.
Proven Expert
On our site, we partly use elements from the review portal provenexpert.com. When you visit these pages, data is transmitted from their servers. In the process, they learn which of our pages you have visited.
For further information on how your user data is handled, please refer to the provenexpert.com privacy policy: www.provenexpert.com/de-de/datenschutzbestimmungen