The data protection principles do not constitute a "framework agreement" within the context of the EU Payment Services Directive (2007/64/EC) or otherwise implement this directive for the European Economic Area.
Their sole purpose is to provide our customers with information about our privacy practices and to identify what privacy options are available to you when you use our websites and services. Please note that the services we offer may vary by region. These privacy policies may be supplemented by additional communications depending on the pages and services involved. Additional information can be found in the Cookies and Tracking Technologies Statement.
We collect personal information from you when you visit our pages or use our services. This includes the following information:
Registration and use information -- When you register to use our services by creating an account, we collect the personal data necessary to provide the services you request. Depending on the services you select, you may need to provide your name, address, phone number, email address, and other identifying information to help you set up an account. If necessary, we ask you to provide us with additional personal information when you use our services.
Transaction and experience information -- When you use our services or access our sites, device information, technical usage data, and location data.
Personal data of transaction participants -- When you use our services or access our sites, we collect personal data you provide us about other participants connected with the use of our sites.
Personal data about your friends and contacts -- We may be able to assist you better with transactions between your friends and contacts if you provide us with personal information such as your friend's name, email address, and phone number when you use our services. Alternatively, you can just link your contact list or friend list to your account. If you choose to link the data in your contact list on the device to your account and/or create an account link between a social media platform and your account, we will collect and use your contact list or friends list to improve our services.
Personal data about you from third-party sources -- We receive third-party information, such as from traders, data providers, and credit bureaus, where permitted by law.
Other information we collect when you use our websites or services -- We may collect additional information from you or about you when you communicate with us, contact our customer support teams, or participate in a survey.
The cookies we use have fixed expiration times. If you visit our pages or use our services within these times, the cookies will be automatically deactivated and stored data will be deleted. For more information, see our Cookie and Tracking Technologies Statement.
We process your personal data for a variety of reasons, which are permitted under the data protection laws in the European Economic Area (EEA) and in Switzerland.
To operate the websites and provide the services, including to:
authenticate your access to an account communicate with you regarding your account, pages, services, or ZUPER create an account connection between your account and a third-party account or third-party platform perform creditworthiness and other credit checks, evaluate applications, compare information for accuracy and verification purposes. To manage our business needs, such as monitoring, analyzing, and improving the performance and functionality of sites and services. For example, we analyze user behavior and conduct research on the use of our services. To manage risk and to protect our sites, services, and our customers from fraud by confirming their identity, and to help identify and prevent fraud and misuse of our sites and services. To fulfill our obligations and enforce the terms of our sites and services. This includes compliance with all applicable laws and regulations. To pursue our legitimate interests, including to: enforce the terms of our sites and services; manage our day-to-day business needs, such as monitoring, analysis; and anonymize personal data in order to share comprehensive statistics that show how, when, and why ZUPER customers access our pages and use our services, with third parties such as other companies and the public.
With your consent:
Our business activities are supported by a network of computers, cloud-based servers, and other infrastructure and information technologies. This also includes other service providers. These parties may be located in countries other than you and outside the European Economic Area and Switzerland. In these countries, there is not always an equivalent data protection. We have taken certain steps in accordance with the EEA Data Protection Act to ensure the protection of your personal data. In particular, the transmission of your personal data within companies affiliated with ZUPER will be subject to the Binding Corporate Rules approved by the relevant regulatory authorities (29 of Directive 95/46 EC - Data Protection Directive). Other data transfers may be based on contractual safeguards. Please contact us for more information. If you conduct transactions with persons outside the EEA or Switzerland or connect our services with platforms, such as social networks, outside the EEA or Switzerland, we are obliged to share your personal data with these parties in order to make the requested service available to you.
Personal data. You may refuse to provide ZUPER with personal data when it is requested by ZUPER. Certain or all services, however, may then be unavailable to you. Location and other device information. The device that you use to access the sites or services may collect information about you. This includes location data and user data that ZUPER can then collect and use. Use the settings of the device to restrict the collection and use of such information.
Online tracking and personalized advertising. We work with partners and other service providers to show you advertising using ad-related cookies and web beacons. You can disable advertising cookies and web beacons. In this case, our advertising is not targeted to you. You will still be shown our advertising on third-party websites. For more information about advertising cookies and personalized advertising from other providers, see Your Online Options. You will also learn how to disable these operations here. Locating and connecting with others. If available, you can manage your settings for searching and connecting with other people via the account of the service you use.
If you have an account, you can usually review and edit personal information by logging in and correcting the information directly or by contacting us. If you do not have an account or if you have questions about your account information or other personal information, feel free to contact us.
Notices, notifications, and updates from us:
Marketing: We may send you marketing content about our sites, services, and products, as well as about products we offer together with other financial institutions, and about products and services of unaffiliated third parties and members of the ZUPER group through various communication channels such as email, SMS, pop-ups, push notifications, and messaging applications. You can unsubscribe from this advertisement by following the instructions contained in the messages you receive from us. If you have an account with us, you can also change your notification preferences in your account settings. You can manage push notifications through your device's settings. Communication for information purposes and other: We send you notifications that are required or necessary for all ZUPER customers, notifications that contain important information, and other communications that you request from us. You cannot unsubscribe from these messages. You may, however, be able to customize the media and the format through which you receive the notifications.
Subject to the limitations of the EEA data protection laws, you have certain rights in relation to your personal data. You have, in particular, a right to access, rectify, restrict, oppose, delete, and transfer your data. Please contact us if you would like to exercise these rights. If you would like to request access to any personal information that ZUPER holds, you must provide us with a photo ID. If you have an account with one of our services, you can usually review and edit personal information in that account by logging in and updating the information directly. We may use automated decision-making to make credit decisions with your consent, or when it is necessary for the commencement or enforcement of a contract, or if authorized by EU or national law. Feel free to contact us if you need more information about automated decisions.
We implement physical, technical, and administrative security measures to protect your personal information against loss, misuse, unauthorized access, disclosure, and alteration. These security measures include firewalls, data encryption, physical access restrictions to our data centers, and permission controls to access data. We are committed to securing our systems and services. You are, however, responsible for the security and confidentiality of your passwords and your account profile or registration information. In addition, it is your responsibility to verify that the personal information we hold about you is accurate and up-to-date. We are not responsible for protecting the privacy of personal information that we share with third parties based on an account connection you have authorized.
The sites and services may not be used by persons who are under the age of 18. We do not knowingly collect any information from minors or other persons who are legally unable to use our services and websites. If we become aware that we have collected personal information from minors, we will delete them immediately; unless we are required by law to keep the data. Please contact us if you suspect that we have accidentally or incorrectly collected information from a minor.
In the case of a substantial change, you will be notified at least 30 days prior to the change by posting on a “Policy Update” page on our website. ZUPER customers may also be notified of the change by email or otherwise.
We want to make sure that you direct your questions to the right place:
Email email@example.com if you have questions about your ZUPER account
If you are not satisfied with the processing of your request, you have the right to lodge a complaint with the supervisory authority for data protection in your country.
You can reach our data protection officer at ZUPER GmbH, Rosa-Bavarese-Str. 3, 80639 Munich or by email: firstname.lastname@example.org
Wherever possible, security measures prevent unauthorized access to our cookies or similar technologies. A unique identifier guarantees that only we and/or authorized service providers have access to cookie data. Service providers are companies that help us in various business areas, e.g. in the operation of websites or in relation to services, applications, advertising, or features. Some service providers help us show you relevant ads while you use our services or visit other websites. These service providers may use our services to store cookies on your device (so-called third-party cookies). They may also collect information to identify your device. These can be IP addresses or other data that can be uniquely assigned.
Like most websites, we use technologies that essentially store small files on your computer, tablet, mobile phone, or some other device (collectively "device"). These files enable us to record certain information when you use our pages, services, applications, messaging services, or features.
The specific names and types of cookies, web beacons, and other similar technologies we use may change from time to time. Here is a short glossary to help you better understand these principles and how we use these technologies: Cookies: Small text files, which consist mostly of letters and numbers. They are stored in the memory of your browser or device when you visit a website or open a message. Cookies allow a website to recognize a particular device or browser.
There are several types of cookies: Session cookies expire at the end of your browser session and allow us to associate your activity during that particular browser session. Persistent cookies are stored on your device between browsing sessions, allowing us to document your priorities or activities across multiple pages. First-party cookies are stored by the page you just visited. Third-party cookies are placed by a third party site that is different from the site you are visiting.
You can disable or remove cookies by using tools that are included in most commercial browsers. The preferences need to be configured separately for each browser, with different browsers offering different functionalities and options.
Web beacons: Small graphics (also known as "pixel tags" or "Clear GIFs") that may be integrated into our websites, services, applications, messaging services, or features. Web beacons typically interact with cookies to identify users and analyze their behavior.
We may use the terms "cookies" or "similar technologies" in our principles as synonyms with regard to any technologies we use to store data in your browser or device or to collect information that enables us to identify you in the manner described above.