Everything you need to know about data protection

The user is asked at various points on this BANK-now website to provide personal data. If the user decides to provide personal data to BANK-now via the internet or by email, this data will be handled in accordance with data protection legislation. When contacting BANK-now via the internet, by email, by mail, or in any other manner, the user agrees that BANK-now may occasionally send information about the company and its products and services or contact the user by telephone. The user may refuse the use of client data for marketing purposes at any time in writing. The user understands that BANK-now may outsource the hosting of this BANK-now website to third-party providers and that these third-party providers may consequently have access to the user's personal data.

General information on data collection
The website can be viewed without the user having to provide personal user data. You are free to decide whether or not you wish to disclose your data. When visiting the website – unless you object – data such as your IP address, browser type, and access times are transmitted to us by your computer and stored on the BANK-now server. This data is stored using cookies and via the Google Marketing Platform (Google Analytics, Search Ads 360 [formerly Google Adwords] and the former DoubleClick) from Google LLC (Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA 94043, US) and ClickDimensions LLC (6849 Peachtree Dunwoody Road, Building B-1, Suite 200, Sandy Springs, GA 30328, US).

IP address
The IP address is the globally valid identifier of your computer, unique at the time of allocation by the internet provider, in the form (IPv4) of four different blocks of numbers separated by periods. Private users do not generally use the same IP address each time as their provider will assign it to them on a temporary basis only (dynamic IP address). In the case of a permanently assigned IP address (static IP address), the unique allocation of user data may be possible in principle via this property. Except for the purpose of monitoring illegal access to the website, BANK-now does not generally use this data in relation to a specific individual; rather, BANK-now analyzes the data only on an anonymized basis in order to determine which subpages are most popular, how many times the site is accessed each day, etc.

Electronic communication
By providing my mobile phone number, I hereby authorize BANK-now Ltd. to contact me via SMS at the mobile phone number I have provided, or to leave a voicemail message, regarding the credit application, the credit decision, and the credit contract. By providing my email address, I authorize BANK-now Ltd. to contact me with product offers and information by email via the internet and without encryption.

Information we collect
If you use this website or request or make use of other services offered by BANK-now, we may collect information about you as follows:

We may also collect personal information about you by recording certain telephone calls with our employees that we store for BANK-now Ltd. business purposes or in order to meet our legal and regulatory obligations.

When you access our website to apply for a product or to contact us, we will ask you to provide some personal information. This information may include your name, company name, title, address, country of residence, email address, telephone number, assets, income, and financial situation. We use this information to verify your identity and your suitability for certain products and services, to provide you with information about products and services that we believe may be of interest to you, to record your interest in products and services that we offer, and to respond to your requests for information. We may also use cookies or web bugs to collect usage information and to help you navigate the website (e.g. remembering passwords during a session and storing the country you have specified as your country of residence).

We may furthermore collect information about the attachments you open together with emails.

We may likewise collect personal information about you from applications, forms, or questionnaires that you complete or agreements you conclude with us or if you establish or maintain a client relationship with us, including information about your creditworthiness and your financial situation.

If you do not wish to provide us with the personal information we require, we may not be able to offer you financing products or other services.

Security when transferring data
Please note that data transferred via a public network, such as the internet or an email service, may be viewed by others. Information transmitted over the internet (such as online forms) and content received online may be transmitted via third-party networks. BANK-now Ltd. cannot guarantee the confidentiality of any communications or documents transmitted via such open networks or via third-party networks. If you disclose personal information via an open network or via third-party networks, you should be aware that third parties may be able to gain access to this information and thus gather and use the data without your consent. In particular, while individual data packets are often encrypted, the names of the sender and recipient are not. A third party might therefore be able to draw inferences about the existence of bank accounts or business relationships or ones that are in the process of being set up. Even if both the sender and recipient are located in the same country data may also be transmitted via such networks to other countries regularly and without controls, including to countries that do not afford the same level of data protection as your country of domicile.

For certain services, we use strong encryption to transfer your data (such as e-banking). In these cases, you will be informed separately about the treatment of this data and details concerning encryption.

Your data may be lost during transmission or accessed by unauthorized third parties. We accept no responsibility for the security of your data during transmission via the internet and assume no liability for any direct or indirect losses. We ask that you use alternative methods of communication if you deem this to be necessary or appropriate for security reasons.

Protection, processing, and use of personal data
We use personal information to improve the quality of the products or services that we offer to our clients and to maintain the address information of those with whom we have a business relationship. Access to personal information is restricted to those employees, contractors, and third parties that require this information for the provision of products and services or in connection with investments that clients execute with or through us. We use process-specific physical and electronic security features to protect personal data, including firewalls, personal passwords, and encryption and authentication technology. We use personal information about our clients or former clients exclusively for the aforementioned purposes and only disclose it to third parties with the consent of the client or where permitted or required by law. In cases where we believe that certain products and services could be of interest to you, we will pass on your personal information to BANK-now Ltd. or its subsidiaries to the extent permitted by applicable law. We may also pass on this information where permitted by law to companies providing services on our behalf. These service providers are obliged to treat such information confidentially and only to use it for the purposes for which it is made available to them. Some jurisdictions may have more stringent data protection provisions that prevent the disclosure of your personal information to other persons and entities, including subsidiaries.

We will retain your personal information in accordance with the applicable data protection laws for the period for which this is necessary.

Cookies
All BANK-now Ltd. websites (hereinafter referred to as ""BANK-now,"" ""we,"" or ""us"") use cookies for statistical purposes and to improve the user experience. One of the cookies we use is essential for parts of the site to operate and has already been set. This website does not work without cookies. By using this website, you agree to the use of cookies for this purpose.

What is a cookie?
Cookies are small files that are stored on your computer to keep track of your visits to the website and your preferences as you move between different pages and sometimes also to save settings between visits. Cookies help the builders of websites gather statistics about how often people visit certain areas of the website, and help in tailoring websites to be more useful and user-friendly. The cookies contain technical data, generally random ID numbers, which are essential for website operation or the recording of statistics. BANK-now never saves personal data in cookies. BANK-now uses both temporary and long-term cookies. Temporary cookies are deleted as soon as the browser is closed. In the case of long-term cookies, BANK-now uses an anonymous ID merely to identify your browser so that, for example, settings that you have chosen can be restored the next time you visit the BANK-now website. Long-term cookies are also used in order to provide you with online services tailored to your interests. Alongside BANK-now cookies (first-party) there are cookies that can be set by third parties (third-party cookies). Cookies can only be read by whoever has set them. In addition, you can go to your browser settings to control how cookies are used. The options depend on your browser. Please bear in mind that if you set your browser to not accept any cookies at all, you will not be able to use some of the services on the BANK-now website.

How are cookies used on this website?
The cookies we store on BANK-now Ltd. websites are used to:

Track the number and type of visits to the website and its pages in order for us to determine which parts of the website work well and which need improvement, store user preferences for the screen layout, including the preferred language and country.

Anonymized recording of user behavior to improve content
In order to improve the quality of BANK-now services, BANK-now records anonymized parts of your user behavior and allocates these to user groups. The data regarding your visit is statistically allocated to these groups. It is not possible to track your individual behavior on the BANK-now website. BANK-now groups visits according to the source and/or nature of the access, average duration of visit, day and hour of access, BANK-now subpages visited and services used, device type, browser and browser version, operating system and version, and derived demographic information. This data is statistically aggregated and recorded anonymously, and your IP address is truncated by at least the last octet. It is not possible to identify who you are. The statistical data recording takes place using JavaScript, cookies, and tracking pixels. Tracking pixels are small, invisible images of one pixel in size. Access to these images is logged by the web server.

Interest-related presentation
In order to present tailored offers while you are visiting the website, BANK-now uses Google services that create an anonymized user profile based on your surfing behavior. These services use cookies to do this. This enables appropriate advertisements to be displayed to you based on previous visits to this website or other websites. By using this website, you confirm that you agree to the processing of data collected about you by Google and the manner of the data processing, as well as the specified purpose.

Google Marketing Platform from Google LLC
This website uses the Google Marketing Platform (Google Analytics, Search Ads 360 [formerly Google Adwords] and the former DoubleClick) from Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA 94043, US (""Google""). The information generated is transferred by Google to a server in the US where it is evaluated and stored. You can view the current profile established by Google at https://www.google.com/ads/preferences. It is also possible to edit the profile or disable certain profile functions on that website.

Google Analytics
This website uses Google Analytics, including Google Signals, a web analytics service provided by Google Inc., 1600 Amphitheatre Parkway, Mountain View, California, 94043, US (""Google""). Google Analytics uses cookies, which are text files placed on your computer, to help the website analyze how visitors use the site. These cookies are reset at regular intervals for data protection reasons. The information generated by the cookie about your use of the website is generally transmitted to and stored by Google on servers in the US. With IP anonymization enabled on the BANK-now website, Google will shorten the IP addresses of persons visiting the website from EU Member States or other contracting parties to the EEA Agreement before they are sent. This ensures that it is no longer possible to identify the individual. On behalf of the operator of this website, Google uses this information for the purpose of evaluating your use of the website, compiling reports on website activity, and providing other services relating to website activity and internet usage to the website operator. Only anonymized information is recorded, so it is not possible to identify an individual using this information. Google will not associate the truncated IP address transmitted by your browser within the scope of Google Analytics with any other data held by Google. You can prevent cookies from being stored by configuring the settings in your browser software accordingly; however, we would like to point out that in this case you may not be able to make full use of all the functions on this website. You can also prevent Google from collecting the data that has been generated by the cookie in relation to your use of the website (including your IP address) and processing this data by downloading and installing the browser plug-in available at the following link: Link to the plugin (https://tools.google.com/dlpage/gaoptout?hl=de)

Adtelligence Platform
This website uses the Adtelligence Platform software provided by ADTELLIGENCE GmbH (www.adtelligence.com). This is a target-group-specific targeting tool that is used to personalize our online business. Data of visitors to the website is collected for this purpose and assigned to specific target groups by means of cookies and tracking pixels. The target-group-specific characteristics are recorded by Adtelligence, transmitted to the system in anonymized form, and stored on servers in Germany. This data is then used to control the pages or content that you see in order to present you with personalized and relevant website content. We will not pass on this information to third parties. If you do not wish cookies to be stored on your computer, you can prevent them from being stored and delete any cookies that have already been stored by adjusting the appropriate settings in your browser software. If you do this, however, you may not be able to use all of the website's features. If you wish to object to this data processing, you can opt out at the following link: https://adtelligence.com/de/opt-out/

Matomo
This website uses the open-source web analytics service Matomo (formerly called ""Piwik"") as a self-hosted system. Matomo uses cookies. These are text files stored on your computer that enable your use of the website to be analyzed. For this purpose, the information generated by the cookie about the use of this website is stored on our Matomo server. The IP address is anonymized before it is saved. The information generated by the cookie about the use of this website will not be passed on to third parties. You can prevent cookies from being stored by configuring the settings in your browser software accordingly; however, we would like to point out that in this case you may not be able to make full use of all the functions on this website. If you do not agree to the storage and use of your data, you can deactivate this storage and use here. If you choose to do this, an opt-out cookie will be stored in your browser that will prevent Matomo from storing usage data. If you delete your cookies, this Matomo opt-out cookie will also be deleted. You will then have to opt out again when you return to our website.

Facebook pixel, Custom Audiences
This website uses the Facebook pixel from the social network Facebook, which is operated by Facebook Ireland Ltd., 4 Grand Canal Square, Grand Canal Harbour, Dublin 2, Ireland (""Facebook"").

The Facebook pixel allows Facebook to identify visitors to this website as the target audience for displaying ads (""Facebook ads""). BANK-now therefore uses the Facebook pixel to display Facebook ads from BANK-now only to those Facebook users who have also shown an interest in BANK-now's online offering or in certain features, e.g. specific topics or products that are defined on the basis of the websites visited (""Custom Audiences""). In using the Facebook pixel, BANK-now also wants to ensure that Facebook ads correspond to the potential interests of users and are not irritating. The Facebook pixel also helps BANK-now track the effectiveness of Facebook ads for statistical and market research purposes by checking whether users have been redirected to BANK-now's website after clicking on a Facebook ad.

The Facebook pixel is integrated directly by Facebook when you access BANK-now websites and is able to store a cookie on your device. If you subsequently log in to Facebook or visit Facebook while logged in, your visit to the BANK-now website will be recorded in your profile. The data collected about you is anonymous to BANK-now, so no conclusions can be drawn about your identity using this data. However, Facebook does store and process the data, so it may be linked to the user's profile and may be used by Facebook for its own market research and advertising purposes.

Facebook's data processing activities are governed by Facebook's privacy policy. Specific information and details about the Facebook pixel and how it works can be found in the Facebook Help Center.

You may object to the collection of data by the Facebook pixel and to the use of your data for displaying Facebook ads. You can control the types of ads you see within Facebook by going to the page that Facebook has set up and following the guidance on usage-based ad settings.

ClickDimensions web tracking
This website uses an email marketing service provided by ClickDimensions LLC (6849 Peachtree Dunwoody Road, Building B-1, Suite 200, Sandy Springs, GA 30328, United States). When you download images in a newsletter or any other kind of marketing email from BANK-now, or when you click a link in one of these emails, this is automatically logged via an email tracking service from ClickDimensions. The results of the tracking analysis are used to continuously improve our offers. If you do not agree with the storage and analysis of this data, you can unsubscribe from the respective email service by clicking the relevant link at the end of the email.

BANK-now would like to combine, analyze, and store the personal data collected about you from the contact and application forms and the anonymous data collected about your behavior on the website. This combination, analysis, and storage of your data will enable BANK-now to create a personalized client profile so that we can offer you specific advice and products tailored to your needs. BANK-now would also like to use your personalized client profile for marketing purposes.

If you ""submit"" your data on the website, you consent to this combination, use, and storage from the point at which you click. This enables us to offer you advice and products that are tailored even more precisely to your needs.

If you do not consent to this combination, use, and storage of your data, you can enable your browser's private mode. More information can be found at the following links:

Use of ClickDimensions for email marketing
If you are interested, you can subscribe to the newsletter via our website. To subscribe, you will be asked to enter personal information. If you decide to provide personal data to BANK-now via the internet or by email, this data will be handled in accordance with data protection legislation.

This website uses an email marketing service provided by ClickDimensions LLC (6849 Peachtree Dunwoody Road, Building B-1, Suite 200, Sandy Springs, GA 30328, United States).
To register for the newsletter, you must provide your title, last name, first name, and email address. You complete the registration process by clicking on a link in the confirmation email. Your data will be encrypted and transmitted to Azure, an EU-based cloud solution from Microsoft, where it will be temporarily stored. It will also be stored on a BANK-now Ltd. server. By providing your email address, you agree that we may use this for marketing purposes and send you messages by electronic mail via the public internet in unencrypted form.

Newsletter
You can register for a newsletter via the BANK-now website. Each newsletter will contain a link through which you can change your newsletter preferences or unsubscribe from the newsletter.

Address verification
Where necessary, we verify the address data you enter in the application form. To do this, we use a service provided by Post CH AG, Wankdorfallee 4, 3030 Bern, Switzerland, and transfer the data collected about you directly to this company. If the address data that you provided does not match the data stored by the company, we will provide you with a hit list before the application process is completed. Please confirm the correct address. This verification process is carried out in order to protect you and to prevent fraudulent activities.

Data protection