Datenschutzerklärung

Erfassung von Informationen

We collect information in several ways to provide and improve our services. When you visit our website, we automatically collect certain technical data about your device and browsing activity, including your IP address, browser type, operating system, and pages you visit. This information helps us understand how our platform is used and enables us to optimize the user experience.

If you register an account, contact us, or request information about mortgage financing options, we collect personal details such as your name, email address, phone number, and any information you provide in your inquiry. We may also collect data about your preferences regarding fixed-rate or adjustable-rate mortgages, early repayment options, and forward loan strategies.

• Technical data: IP address, browser information, device details
• Contact information: name, email, phone number
• Financial preferences: mortgage rate options, repayment strategies
• Usage data: pages visited, time spent on site, interaction patterns

Nutzung von Daten

We use the information we collect to deliver, maintain, and improve our mortgage comparison services. Your data helps us provide personalized recommendations regarding Sollzinsbindung (fixed interest rate periods), Vorfälligkeitsentschädigung (early repayment penalties), Sondertilgung (special repayment options), and Forward-Darlehen (forward loan reservations) that best suit your financial situation.

We analyze usage patterns to enhance our platform’s functionality and user interface. We may use your contact information to respond to inquiries, send service updates, and provide educational content about home financing strategies in Germany. We also use data to ensure security, prevent fraud, and comply with legal obligations.

• Providing personalized mortgage rate comparisons and financial advice
• Responding to your inquiries about Baufinanzierung (home financing)
• Improving website performance and user experience
• Ensuring platform security and preventing fraudulent activity
• Complying with German and European legal requirements

Ihre Rechte

You have several rights regarding your personal data under German and EU privacy law. You can request access to all information we hold about you at any time. You also have the right to request correction of inaccurate data and deletion of your information, subject to certain legal obligations we may have to retain records.

You can object to specific uses of your data and request restrictions on how we process it. If you provided data based on consent, you may withdraw that consent at any time. You have the right to data portability, meaning you can request your information in a structured, commonly used format. To exercise any of these rights, please contact us using the information provided below.

• Right to access: request all data we hold about you
• Right to rectification: correct inaccurate information
• Right to erasure: request deletion of your data
• Right to restrict processing: limit how we use your data
• Right to data portability: receive your data in portable format
• Right to object: opt-out of specific data uses

Cookies und Tracking

We use cookies and similar technologies to enhance your browsing experience on our website. Cookies are small text files stored on your device that help us recognize you when you return, remember your preferences, and understand how you interact with our platform. We use both session cookies, which expire when you close your browser, and persistent cookies that remain on your device for longer periods.

Essential cookies enable core website functionality and security features. Performance cookies help us analyze traffic patterns and optimize site speed. Preference cookies remember your choices regarding mortgage rate comparisons and financing options. You can control cookie settings through your browser preferences and can opt-out of non-essential cookies. Declining cookies may affect your ability to use certain features of our platform.

• Essential cookies: required for website functionality and security
• Performance cookies: analyze traffic and optimize user experience
• Preference cookies: remember your settings and choices
• Marketing cookies: support targeted content (if applicable)

Datensicherheit

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our website uses SSL encryption to secure data transmission between your browser and our servers. We maintain secure data storage practices and regularly update our security protocols to address emerging threats.

Our team members have access to personal data only when necessary to perform their functions, and we enforce strict confidentiality agreements. However, no security system is completely impenetrable, and we cannot guarantee absolute protection against all potential breaches. If you have concerns about security, please contact us immediately.

Datenbewahrung

We retain personal information only as long as necessary to fulfill the purposes for which it was collected or as required by applicable law. Contact information and inquiry details are typically retained for up to three years after your last interaction with us, allowing us to respond to follow-up questions about mortgage financing options. Technical and usage data are generally retained for up to one year to support platform optimization and security monitoring.

If you request deletion of your data, we will remove it from active systems, although backup copies may be retained for a limited period in accordance with our data retention policies. Some information may be retained longer if required by German financial regulations or other legal obligations.

Änderungen dieser Datenschutzerklärung

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated policy on our website and updating the “last updated” date. Your continued use of our website following such modifications constitutes your acceptance of the updated Privacy Policy.

We encourage you to review this policy periodically to stay informed about how we protect your information. If you have any questions about changes to this policy, please contact us using the information provided below.