This website (www.caps-services.com) is operated by Fidor AG (see imprint) on behalf of the CAPS Working Group (see members).  We at Fidor are fully aware of the importance of the personal data that you entrust to us. It is one of the fundamental tasks to ensure confidentiality of the data our customers and visitors disclose to us on this website. Your trust is very important to us. For this reason, we respect the governing data protection principles and would like to inform you about how data is collected and stored and about your rights regarding information on blocking and deletion of data.

As of: 25 February 2016

Personal data is information that can be allocated to you. This includes, for example, your name, your address, your phone number and your e-mail address as well as any further data required for the processing of business transactions. Not included in this context is data that cannot be allocated to you.

Your personal data is only collected if necessary for a specific purpose, e.g. in response to your questions.

Your personal data is collected at Fidor – only with your consent –for the purposes of answering enquiries, processing of contracts and technical administration, and are stored in a manner so as not to be accessible to third parties.

If you provide us with personal data when using electronic forms or by e-mail, then you provide us this data on a voluntary basis. Our employees will treat your personal data confidentially and process and/or store them only in connection with their intended purpose.

You have the right to information at all times with regard to the data saved that are connected to you, the origin and recipient of such data as well as the purpose of the data being processed.

You have the right to revoke your consent to your data being processed and used at all times, with effect for the future. To this effect, please send a brief e-mail with your address and your e-mail address to connect@fidor.com, adding in the subject line "Fidor privacy officer". Should this be the case, of course we will delete your data – except in duly substantiated exceptional cases of misuse - with immediate effect.

You have the right to have your personal data corrected, blocked or deleted. 
If you want your personal data corrected, blocked or deleted, please send us a brief e-mail instruction including your name, home address and e-mail address to connect@fidor.com with the subject line "Fidor AG Privacy Officer - Deletion, Blocking or Correction of Data." Upon request, you will also get information on all the data we stored about your person, free of charge.
 

The personal data provided by you through websites or e-mails (e.g. your name, your address or your e-mail address) will only be processed for correspondence purposes and for the specific purpose for which you have provided the data to us. The information collected on our website will only be disclosed to the competent Units within our group of companies. We hereby confirm that the disclosure of your personal data to third parties does not go beyond that, unless required and/or permitted pursuant to judicial or regulatory requirements or unless there is an express declaration of consent on your behalf. Insofar, as we engage service providers for the execution and handling of data-related processes in form of contract data processing, the contractual relationship in this context will be governed by the provisions set forth in the German Federal Data Protection Act. These service providers will have access to the personal information they require so as to comply with their tasks. In no instance, however, will they be permitted to use this data for any other purposes. Moreover, they will be obliged to treat the information in accordance with this data privacy statement and/or the applicable provisions of data protection legislation. These service providers are contractually obliged to comply with the provision of data protection legislation and are not deemed to be a third party within the meaning of that legislation. In no instance, will personal data be disclosed or sold. The bank secrecy as well as the confidentiality of data remain safeguarded in this connection.

Please note that the personal information you disclosed online (e.g. in chat sections, by e-mail, in the community, in forums) may be collected and used by third parties. It may thus be possible that you receive unwanted messages if you disclose personal information online in areas with public access. Always act with extreme care and responsibility when online and protect the secrecy of your password and other personal information.

The web pages on which we collect personal data are usually encoded with the encryption module of your browser. These pages are certified by renowned and internationally approved institutions for encryption certificates. Apart from that, Fidor implemented additional, comprehensive security measures for your internet access according to the latest state-of-the-art technology. A firewall system prevents access from outside. According to this latest state-of-the art technology, a series of encryption and identification levels will prevent unauthorised requests and/or the interception of customer data during transmission. In addition to the internet browser’s internal encryption procedures.

For the provision of more individualised services, Fidor is using so-called cookies. A cookie is a small text file that can be stored on your hard disk. This text file is generated by the server with which you established your internet connection (via your web browser, e.g. Internet Explorer, Firefox) and then transmitted to you. Cookies are used for the purpose of recognising you whenever you revisit a website so that you do not have to re-enter data already entered on a previous visit.

You can configure the settings on your web browser so as to get informed whenever cookies are generated and/or that the generation of cookies has been prevented. For more information in this connection please use the help function of your web browser. In addition to that, you have the possibility to remove cookies from your system at any time (e.g. in the Windows Explorer).To this end, please use the help function of your operating system and/or browser. We would like to draw your attention, however, that – should this be the case - you might not be able to make full use of all the functions of this website.

Whenever you visit our internet pages, data that has no relation to you may be occasionally transmitted to our web analysis service and/or our statistical service provider for advertisement and market research purposes. In this context, the provisions set forth in the German Federal Data Protection Act (BDSG) with respect to contract data processing are strictly complied with.

Basically, there are two different techniques for statistical evaluations. These include the evaluation of server log files or the use of tracking pixels and/or cookies.

For the provision of better services and continuous improvement of our products we evaluate the web behaviour of our visitors by partially using tracking pixels (e.g. the time spent on the website and the frequency of accessing the website with respect to different product offers). Tracking pixels are little images that are invisible to the user and may be supplemented by a short line in JavaScript. These tracking pixels are stored on the server of the web analysis provider, but not on your PC.

Within the framework of this web-tracking procedure and the corresponding evaluation by our statistical service providers, information such as type of browser, browser language, operating system, screen resolution, activation of JavaScript, acceptance of cookies, time of access, etc. may be disclosed. In principle, the contents you entered on the page will not be stored or transmitted in this context. IP addresses will be anonymised in conformity with data protection regulations so that it is impossible to draw any conclusions about individual persons.

For the analysis and support of its online marketing activities, Fidor uses Google Analytics, a web analysis service provided by Google Inc. (“Google“). Google Analytics is also using cookies. Fidor has activated Google’s option as regards the anonymisation of IP addresses on this website. To this end, your IP address will be basically abbreviated if you access the site from a member state of the European Union or from other states party to the Agreement on the European Economic Area in order to prevent it from being directly linked to a particular individual. Only in emergency cases (e.g. failure of servers in Europe) the full IP address will be transmitted to one of the Google servers in the USA where it will then be abbreviated. The information on your usage of this website generated by cookies may basically be transmitted to one of the Google servers in the USA and stored there. On Fidor's request, Google will use the information generated by these cookies in order to evaluate your usage of our website in an anonymised form, to compile reports on website activities and to provide further services to Fidor on the basis of the usage of Fidor’s website and its internet access. The IP address transmitted by your browser in the course of Google activities will not be matched with other Google data. You can prevent the collection of the data generated by cookies in connection with the usage of this website (including your IP address) as well as the transmission to and the processing of such data by Google by downloading and installing the browser plug-in available under:

http://tools.google.com/dlpage/gaoptout?hl=en

Fidor cooperates with various advertising partners. To this end, we use so-called retargeting technology. Internet users that have already shown their interest in Fidor's products can thus be approached on the websites of our advertising partners or on Fidor’s own website by advertising texts and banners with individualised and interest-related offers. In this context, no personal data will be stored or transferred to advertising partners. In no instance, the data collected will be associated with your personal data. This type of advertising takes place in an completely anonymous form.

In the course of your visit to some websites, targeting service providers may generate temporary cookies on your PC’s hard drive . These cookies will be automatically deleted after a predetermined period of time (max. 90 days).

These cookies contain an identification feature that does not permit, however, to draw any conclusion as to your person and/or the IP address of your computer. These cookies are exclusively used for the collection of data in anonymous form so as to enable an analysis regarding the use of our website.

You can delete cookies generated in the course of this retargeting strategy before the expiry of their shelf life at any time with the assistance of the corresponding settings of your browser. In addition to that, the websites of our advertising partners generally provide a link with the possibility to opt-out of the receipt of interest-related advertising messages and/or to get more detailed information as regards retargeting technology.

Fidor’s website uses social plug-ins (“plug-ins“) of the social network facebook.com (“Facebook“) which is operated by Facebook Inc., 1601 S. California Ave, Palo Alto, CA 94304, USA. These plug-ins can be identified by the Facebook logo (white “f“ on blue square of “Like” icon) or by the supplement “Facebook Social Plug-in“). The list and the visual appearance of Facebook social plug-ins can be found under: http://developers.facebook.com/plugins.

When you visit the pages on our website which contain one of these plug-ins, your browser will establish a direct connection to Facebook servers. The content of the plug-in is transferred directly from Facebook to your browser and then integrated by your browser in the website. Therefore, we have no control over the scope of data Facebook is collecting with this plug-in tool and inform you correspondingly according to our present state of knowledge:

By integrating plug-ins, Facebook receives information that you have accessed a specific page of our internet presence. If you are logged into Facebook, Facebook can assign your visit to your Facebook account. If you interact with plug-ins, for example by hitting the “Like“ button or if you make a comment, the corresponding information is transmitted by your browser directly to Facebook and stored there. Even if you are not a Facebook member, there is still the possibility that Facebook gets to know your IP address and stores it.

If you wish information in terms of purpose and scope of the collection of data, further processing and use of data on the part of Facebook as well as your rights and setting options regarding the protection of your privacy in this context, please visit Facebook’s data protection information under: http://www.facebook.com/policy.php

If you are a member of Facebook but do not wish that Facebook is collecting data about you by our internet presence and associates them with the data Facebook has stored in connection with your membership, you have to logout from Facebook before accessing our website. Closing of the page will not be sufficient.

It is also possible to block Facebook social plug-ins with the assistance of add-ons for your browser, for example by using “Facebook Blocker“.

Fidor uses Facebook Connect. Facebook Connect is one of the products offered by Facebook, Inc. Facebook Connect gives the user the possibility to register – by using the data stored on his Facebook Account – via „Facebook Connect“ for the services provided by Fidor Bank. When using Facebook Connect, the data from the user’s Facebook profile will be transferred to the corresponding website or application. In reverse, data related to the website or application can be transferred to the user’s Facebook profile. As far as this profile is concerned, the transfer of data by Facebook to Fidor  will only take place with the user’s prior consent. By using the data so transferred, Fidor will then be able to create a new user account. This transfer of data to Fidor Bank will take place only once. There will be no permanent linkup between user accounts at Facebook and Fidor.

By using the "Facebook-Connect“ function, i.e. the linkage of the Facebook user account with Fidor, the User herewith declares his/her express consent that Fidor collects, processes and uses the basic public user data stored on his/her Facebook user account, i.e. name, e-mail address, gender, date of birth, current place of living, profile image, URL ("basic user data“), at the maximum, for the provision and handling of the bank’s online products. The transferred data can be stored and processed by Fidor or by a third party that entered into a data processing contract with Fidor Bank. The use of Facebook Connect is subject to Facebook’s data protection provisions and terms.

On our website, we use so-called social plug-ins (in the following referred to as “plug-ins”) of the social network Twitter which is operated by Twitter, Inc., 795 Folsom St., Suite 600, San Francisco, CA 94107, USA (in the following referred to as “Twitter”). These plug-ins can be identified by the Twitter logo (bird outline/relief in different colours on different backgrounds). The various Twitter logos behind such plug-ins can be viewed under http://twitter.com/about/resources/logos on Twitter’s website

When you visit one of the pages of our website which contains these plug-ins, your browser will establish a direct connection to Twitter servers (probably located in the USA). The content of the plug-in is directly transferred from Twitter to your browser and then integrated by your browser on the website. Therefore, we have no control over the scope of data Twitter is collecting with this plug-in tool and informs you correspondingly according to our present state of knowledge and according to the information available from Twitter under http://twitter.com/about/resources on Twitter’s website.

By integrating plug-ins, Twitter receives information that you have accessed a specific page of our internet presence. If you are logged into Twitter at the point in time when you use this plug-in, Twitter can assign your visit to your account. If you interact with plug-ins, for example by hitting the “Tweet This“ button or if you make a comment, the corresponding information is transmitted by your browser directly to Twitter and stored there. If you are a member of Twitter but do not wish that Twitter is able to collect any data about you by means of our internet presence and associate them with the data Twitter stored in connection with your membership, you have to logout from Twitter before accessing our website. Even if you are not a Twitter member or if you have logged out from Twitter before visiting our internet presence, there will still be the possibility that Twitter gets to know (at least) your IP address and stores it.

If you wish information in terms of purpose and scope of the collection of data, further processing and use of data by Twitter as well as your rights and setting options regarding the protection of your privacy in this context, please check Twitter’s data protection information under http://twitter.com/privacy.

Please note that we have to adjust our data protection regulations to our services and requirements and according to legal amendments, from time to time. In the case of changes to these data protection regulations, our customers will be informed by e-mail. You can print or store our data protection regulations at any time.

If you wish more information regarding the collection, processing and/or use of your personal data we would be pleased to receive your inquiries. We will use our best endeavours to answer your questions as soon as possible and to implement any suggestions you may have. Please contact us at connect@fidor.com by adding in the subject line "Fidor Privacy Officer".

Liability for Contents

The contents of these pages were created with great care. We can however not guarantee the accuracy, completeness or timeliness of the contents.

As service providers we are liable for our own contents on these pages under the general laws, in accordance with Section 7 paragraph 1 German Telemedia Act (TMG). According to Sections 8 to 10 TMG we are not obligated as a service provider to monitor transmitted or stored external information, or to investigate circumstances that indicate illegal activity. Obligations to remove or block access to information under the general laws remain unaffected. However, a relevant liability is only possible from the date of knowledge of a specific infringement. Upon notification of such violations, we will remove the content immediately.

 

Liability for Links

Our website contains links to external websites over whose contents we have no control. Therefore, we also cannot accept any responsibility for these external content. The respective provider or operator is always responsible for the contents of any linked websites. The linked websites are checked at the time of linking for possible violations of the law. No illegal contents were identifiable at the time of linking. A permanent monitoring of the contents of the linked pages, without concrete evidence of a violation, would not reasonable. Upon notification of violations, we will remove such links immediately.

 

Copyright

The contents and works provided on these pages created by the website operators are subject to German copyright law. Third party contributions are specified as such. Any reproduction, modification, distribution or any kind of exploitation outside the limits of the copyright require the written consent of its respective author or creator. Downloads and copies are permitted only for private, non-commercial use.

The operators of this website make every effort to observe the copyrights of others, or to use their own or license free works.