I. Who is responsible for this website?
The data controller as defined by the General Data Protection Regulation (GDPR) is:
Telephone: 030 869 869 69
Fax: 030 869 69 41369
(hereinafter also referred to as "Sparkasse", "we", "our" or "us")
Beauftragter für den Datenschutz
II. What is data processing?
When we process personal data, it means that we collect, store, transmit, delete or otherwise use the information. Personal data refers to information about natural persons who use this website to obtain information on Sparkasse's products and offers.
Below you will find an overview of which data we collect when you visit this website and for what purposes the data is processed.
III. How is your data processed when visiting this website?
1. Data needed to display the website and ensure its stability and security
When you use our website for purely informational purposes, we collect the following data, which we require for technical purposes:
- IP address of the device you are using
- Name of the accessed file (specific page)
- Date and time of access
- Volume of data transferred
- Access status (successful/unsuccessful)
- Browser type and version as well as which operating system you use
- URL of the previously visited page (so-called "referrer URL")
In accordance with Art. 6 para. 1 lit. f) GDPR, the processing of the above-mentioned data is necessary for the purposes of pursuing our legitimate interests. In the event of the unlawful use of this website, the data may also be used to identify potential violations.
In addition, this information will be analysed for statistical purposes as well as to improve our website. This will be done without creating personal user profiles.
If you don't want cookies to be stored on your end device, you can prevent this by changing your browser settings accordingly. This is also where you can delete cookies that are already stored on your end device. However, it will no longer be possible to use all of the features provided on this website if you deactivate technical and functional cookies.
Strictly necessary cookies:
We do not use the data collected through necessary cookies to create user profiles. Necessary cookies store and transmit the following data:
- Current session ID
- Items inside the basket or product applications
- Use of specific website content, such as frequency or scope of use
- Data on accessing specific website content, such as product information
- Settings pertaining to your local Sparkasse
- Settings pertaining to the website’s search function
Since websites don’t have a memory, cookies are needed to notify the server of the pages that need to be displayed to a user. This means that users do not have to try to remember everything or have to navigate through the entire website again. Cookies can, for example, store order information, which is necessary for shopping baskets to work and frees users from having to remember all of the items they placed in their basket when they are ready to pay.
Nearly all of the technical and functional cookies used are session cookies. All of the data stored in session cookies is automatically deleted when you leave the website. This includes the cookies required, for example, to use online banking:
The cookies used to retain information about items placed in shopping baskets expire after 10 days. The SPK_COOKIE cookie, which transfers Sparkassen customers from the main sparkasse.de website to their local Sparkassen website and “remembers” the sort code in order to do so, expires after 6 months.
The data processed through necessary technical and functional cookies is processed on the basis of Art. 25(2) of the Federal Act on the Regulation of Data Protection and Privacy in Telecommunications and Telemedia (TTDSG).
- Google Analytics
Google Analytics is a web analytics service provided by Google Ireland Ltd., Gordon House, Barrow Street, Dublin 4, Ireland (“Google”), who acts as our data processor in this respect (Art. 28 GDPR).
If you have a Google account and activated “Personalised advertising”, Google Analytics will enrich these aggregated reports with your demographic data (e.g. age group and gender) and interests (e.g. technology enthusiasts, sport fans, foodies, product affinities) that Google has collected independently (e.g. on other websites). Google processes information from e.g. your Google account, your searches and ad clicks for its “Personalised advertising”.
If you have a Google account and have activated “Personalised advertising”, we will also analyse your use of this website with Google Analytics across all of your devices (cross-device tracking). This will allow us to identify you even if the device from which you are making e.g. a purchase on our website is different from the one you might have initially used to click on the advert that initiated the purchase. The reports created for Sparkasse (including cross-device) only contain aggregated data and do not contain data on individual users.
You can deactivate “Personalised advertising” any time in your Google account.
If you have a Google account and activated “Web and app activities” on it, you can also view aggregated data on your use of this website and hence manage your data yourself.
The data generated from your use of this website may also be transferred to and saved on a Google server in the USA. However, part of your IP address will be masked before transmission to Google through the IP Anonymization feature enabled for this website. This means that the transferred data cannot be used to identify you as an individual based on your IP address.
Our partner, Google Ireland Ltd, has agreed standard contractual clauses with its subcontractors (in particular Google LLC) based on Module 3 of the standard clauses on the transfer of personal data to third countries adopted by the European Commission on 04.06.2021 to ensure a high level of data protection for data processed in third countries (https://business.safety.google/adsprocessorterms/sccs/eu-p2p-intra-group/).
The data that is processed through Google Analytics and is linked to cookies is automatically deleted after a maximum of 26 months.
The legal basis for the processing of the data is your consent in accordance with Art. 6(1) and Art. 1(A) GDPR or Art. 25(1) of the Regulation of Data Protection and Privacy in Telecommunications and Telemedia (TTDSG).
- Google Ads
Google Analytics is a web analytics service provided by Google Ireland Ltd., Gordon House, Barrow Street, Dublin 4, Ireland (“Google”). The responsible data processing body is Google.
We use Google Ads to enable us to provide you with online ads that are relevant to your interests. Google uses DoubleClick cookies to measure the success of our ad campaigns by collecting data on parameters such as ad display frequency or user clicks. Google provides us with information on e.g. statistical analyses of the frequency at which different adverts with different prices are clicked. However, Google does not provide us with information on the use of ads that would allow us to identify individual users.
The legal basis for the processing of the data is your consent in accordance with Art. 6(1) and Art. 1(A) GDPR or Art. 25(1) of the Regulation of Data Protection and Privacy in Telecommunications and Telemedia (TTDSG).
- Adtelligence Platform
Adtelligence Platform is a software provided by ADTELLIGENCE GmbH, Philosophenplatz 1, 68165 Mannheim, Germany. This software is a solution for personalising website content.
The system analyses user behaviour and its context during the website’s use. When doing so, data on how a visitor uses the website is collected on the basis of defined categories and, amongst others, assigned to specific target groups by means of cookies. The data and characteristics analysed for this purpose are transmitted to Adtelligence’s system in anonymised form and stored on servers in Germany. The information about this website's use generated during this process is not passed on to any third parties.
The software is configured in such a way that it will anonymise IP addresses before saving them. This is achieved by masking 2 bytes of the IP address (example: 192.168.xxx.xxx). This means that it will not be possible to identify the end device or individual that is accessing the website.
The data that is processed through Adtelligence and linked to cookies is automatically deleted after a maximum of 12 months.
The legal basis for processing this data is Art. 25(1) TTDSG.
- A/B Testing – abtest
A/B tests are designed to enhance user-friendliness and the performance of online offers. The tests involve presenting users with e.g. different versions of the same website or website elements such as input forms on which the contents are in different positions or shown with different button labels. Users’ behaviour can then be analysed to assess e.g. which website version they spent more time on or which elements were more frequently used, and consequently to determine which of these websites or elements better meet users needs. These tests only involve collecting, aggregating and storing anonymised user data and information about tested versions. This data can be used to analyse the data for evaluating the test versions in various ways.
The cookie used to collect this data is deleted after 6 months.
The legal basis for this application is Art. 25(1) TTDSG. You can withdraw your consent for this cookie at any time under “Update cookie settings”.
3. Sparkassen marketing campaign analyses and measurements
The Sparkassen Finanzgruppe uses analytics and measurement platforms to deliver, analyse and measure the success of national and regional digital advertising campaigns.
After obtaining your consent on a landing page (sparkasse.de), these analyses are performed with the help of the following platforms
If you click on a Sparkasse advertisement on a third-party website, you will be taken to a landing page with more information on the advertised product. The landing page for all Sparkassen adverts is sparkasse.de, from which users are then forwarded to their local Sparkassen website. sparkasse.de uses the web analytics service from intelliAd Media GmbH, Sendlinger Str. 7, 80331 Munich, Germany, to measure advertising campaigns’ success. You will be asked to consent to the use of the campaign measurement system before you will be able to access the contents pertaining to the advertised product on sparkasse.de. Once you have given your consent, the cookies set by intelliAd can be read out and assigned to specific interactions on sparkasse.de. This data then helps us to manage and optimise our marketing measures. This data cannot be used to identify any persons, because it is only collected on the basis of a cookie ID. The cookie ID, in turn, cannot be linked to an IP address because the IP address will have been anonymised immediately before the intelliAd cookie is set.
The cookie is deleted after 100 days.
The legal basis for this application is Art. 25 (1) TTDSG. You can withdraw your consent at any time at http://login.intelliad.de/optout.php. In this case, the cookie “intelliadNoTrack” will be set, which will block user interactions up until the cookie expires. This cookie is deleted after one year.
If you click on a Sparkasse advertisement on a third-party website, you will be taken to a landing page with more information on the advertised product. The landing page for all Sparkassen adverts is sparkasse.de, from which users are then forwarded to their local Sparkassen website. sparkasse.de uses the web analytics service from Adform A/S Wildersgade 10B, sal. 1 DK-1408 Copenhagen, Denmark, for both advertising delivery as well as campaign measurement. You will be asked to consent to the use of the campaign measurement system before you will be able to access the contents pertaining to the advertised product on sparkasse.de. Once you have given your consent, the cookies set by Adform can be read out and assigned to specific interactions on sparkasse.de. This data then helps us to manage and optimise our marketing measures. This data cannot be used to identify any persons, because it is only collected on the basis of a cookie ID. The cookie ID, in turn, cannot be linked to an IP address because the IP address will have been anonymised immediately before the Adform cookie is set.
The cookie is deleted after 60 days.
The legal basis for this application is Art. 25 (1) TTDSG. You can withdraw your consent at any time at https://site.adform.com/de/privacy-center/platform/widerrufsrecht/. In this case, the opt-out cookie “C” will be set with a value of “3”, which will block user interactions up until the cookie expires. The cookie is deleted after 3650 days.
- Count server
In order to establish whether an advertisement on a third-party website has led to a purchase from Sparkasse, sparkasse.de uses a so-called “count server”.
If you click on a Sparkasse advertisement on a third-party website, you will be taken to a landing page with more information on the advertised product. The landing page for all Sparkassen adverts is sparkasse.de, from which users are then forwarded to their local Sparkassen website. You will be asked to consent to the use of the campaign measurement system before you will be able to access the contents pertaining to the advertised product on sparkasse.de. Once you have given your consent, a “zs_aff” cookie with a random ID will be set that allows us to manage and optimise our marketing measures. This data cannot be used to identify any persons, because it is only collected on the basis of a random ID.
The cookie is deleted after 7 days.
The legal basis for this application is Art. 25 (1) TTDSG. You can withdraw your consent for this cookie at any time under “Update cookie settings” on sparkasse.de.
4. Third-party applications
This website uses SmartMaps, a service provided by YellowMap AG, CAS-Weg 1-5, 76131 Karlsruhe, Germany, for displaying maps. This service makes it possible to display interactive maps directly on the website and for users to use these maps. In order to be able to provide the maps, YellowMap will be processing your IP address as well as range of other technical data. The data YellowMap collects will only be used for creating the map and deleted after 10 minutes. YellowMap does not use any cookies.
For more information on the purpose and scope of the data collected and its processing by YellowMap can be found at https://www.smartmaps.net/datenschutz/.
This page also contains more information on your rights concerning the above.
The legal basis for processing your data is Art. 6(1)(1)(b) GDPR.
Any communications with your Sparkasse conducted through WhatsApp are processed by the technical service provider S-Markt & Mehrwert GmbH & Co. KG, Grenzstraße 21, 06112 Halle, Germany.
In order to communicate through WhatsApp, users are required to have an existing WhatsApp account.
As soon as the first message is sent through WhatsApp, your personal data (e.g. first name and surname, phone number, messenger ID, profile picture, messages) will be processed by S-Markt & Mehrwert on the basis of Art. 6(1)(1)(b)(f) GDPR (within the context of customer relations and other enquiries). WhatsApp (WhatsApp Inc. WhatsApp Legal 1601 Willow Road Menlo Park, California 94025, USA) is a US-American service provider owned by Meta (FB), formerly Facebook. Hence, the data you transmit via WhatsApp may first be transmitted to the USA before being forwarded to your Sparkasse.
S-Markt & Mehrwert will keep the data processed for this service for a maximum of 90 days. Please refer to https://messengerservice.sdirekt-serviceportal.de/Datenschutzinformation.pdf for information on data protection.
- Live Chat
The "Live Chat" feature provided on this website can be used to contact your Sparkasse. The live chat feature is a service provided by talkevent Software GmbH, Carlswerkstr. 13b, 51063 Cologne, Germany, on behalf of your Sparkasse. In order to prevent misuse, the following data is stored when using the chat assistant in addition to the information you enter:
- IP address
- Date and time
The above data and the information exchanged through the chat function are not used for any other purposes.
The legal basis for processing this data is Arti. 6(1)(1)(b)(f) GDPR. The chat data will be deleted after a maximum of 90 days.
- Chatbot “Linda”
You can also use the chat function to ask our chatbot Linda any questions you may have. Linda is operated by Sparkassen-Finanzportal GmbH, Friedrichstraße 50, 10117 Berlin on behalf of your Sparkasse.
The use of Linda does not require the provision of any personal data and we would like to ask you to refrain from entering any such data. The legal basis for processing this data is Art. 6(1)(1)(b)(f) GDPR. The logs of any chats held with Linda will be deleted after a maximum of 90 days.
On this website, you can also subscribe to your Sparkasse's newsletter, through which it will provide you with information on the latest promotions and news. Your Sparkasse will only send you the newsletter with your consent or where legally permitted. The technical service provider appointed by your Sparkasse to provide this service is Sparkassen-Finanzportal GmbH, Friedrichstraße 50, 10117 Berlin, Germany.
Subscribing to the newsletter involves a double-opt-in procedure. The first opt-in comprises your confirmation of an activation email sent to the email address you provided after registering. If you fail to confirm your activation email within the period of time set out in the email, your information will be automatically deleted. Your email address will only be saved for the purpose of sending you the newsletter if you confirm the activation email within the specified period of time.
Your Sparkasse will furthermore store your IP address and the time of registration and confirmation respectively. The reason for this is to retain evidence of your registration and to be able to clarify any potential misuse of your personal data.
You can opt-out of your email address being used for the distribution of the newsletter, i.e. unsubscribe at any time. The link for unsubscribing can be found at the end of every newsletter.
The legal basis for processing this data is Art. 6(1)(1)(a)(b) GDPR.
Sparkasse is constantly working on improving its newsletter service. As part of this, Sparkasse measures and analyses newsletter open and click rates. Open rates provide information on the percentage of newsletter recipients who have actually opened and hence read the newsletter. Click tracking makes it possible to track which and how often the links included in the newsletter are clicked. These analyses can be used to create targeted newsletters with contents that are of actual interest to their recipients.
The legal basis for processing this data is your consent in accordance with Art. 25(1) TTDSG.
You can withdraw your consent at any time under the “Manage” tab in the newsletter login section on the website, or the “Edit details” link in the newsletter.
- Facebook / Instagram
Your Sparkasse uses the Like button of the social utility Facebook. This button is a link and not a social plugin. If you do not use this button, no information will be forwarded to Facebook and no Facebook cookie will be placed on your PC.
If you do use this button and are not logged into Facebook, the Facebook login/registration page will open in a new window and Facebook will place a cookie on your hard drive as soon as you click it. If you are already logged into Facebook and then click the Like button, Facebook will receive information stating that you recommended the product linked to the Like button. Any visitors to your Facebook page will then - depending on your Facebook privacy settings - be able to see that you are recommending the product.
All of the pages on Facebook are operated by Facebook Inc., 1601 S. California Ave, Palo Alto, CA 94304, USA (Facebook). This means that your Sparkasse does not have any knowledge or influence over the data Facebook collects on them.
Please visit http://www.facebook.com/about/privacy/your-info-on-other#applications for more information on this.
Your Sparkasse also uses the Tweet button provided by Twitter, another social utility. This button is a link and not a social plugin. If you do not use this button, no information will be forwarded to Twitter and no Twitter cookie will be placed on your PC.
If you do use this button and are not logged into Twitter, the Twitter login/registration page will open in a new window and Twitter will place a cookie on your hard drive as soon as you click it. If you are already logged into Twitter and then click this button, Twitter will log this visit on your Twitter account.
All of the pages on Twitter are operated by Twitter Inc., 1355 Market St, Suite 900, San Francisco, CA 94103, USA (Twitter) This means that your Sparkasse does not have any knowledge or influence over the data Twitter collects on them.
Please refer to http://twitter.com/privacy for more information on this. On Twitter, you can change your privacy settings under account settings http://twitter.com/account/settings.
- Other links to external service providers
The contents of other third party websites to which we may provide links are not covered by our privacy statement. Your Sparkasse furthermore does not have any knowledge or influence over the data the operators of these websites collect on these pages. Please refer to the privacy statements on these websites for more information on this.
IV. Who receives your data?
Your information will only be shared with third parties insofar as you have consented to this or where we have a legal obligation to do so. In particular such recipients may include:
- Law enforcement
- Other Sparkassen Finance Group companies
Our service providers may also receive such data if they meet Sparkasse's special confidentiality requirements. In particular, these may include IT service providers, consulting services and companies in sales and marketing. The appropriate data protection agreements will be arranged with these service providers.
V. When will your data be deleted?
Should the data mentioned in this policy no longer be required for its original purpose, it will be deleted. In the event that the further processing of the data is – temporarily – required for other purposes, this will not apply.
Insofar as the storage period defined for individual services differs from the above, this information will be available in the description for each service.
VI. Will your data be transmitted to third countries or international organisations?
As a rule, the data we collect when you visit this website is not transmitted to international organisations or third countries (states outside the European Economic Area -EEA). For more information on the possible transmission of pseudonymised data by analysis services, please see the section "Analytical cookies".
VII. What are your rights with regard to the processing of your data?
You have the following rights concerning your personal information held by Sparkasse:
- The right to information
- The right to rectification or deletion
- The right to restriction of processing
- The right to data portability
- The right to object or to withdraw consent
Information about your right to object in accordance with Art. 21 GDPR
1. Case-specific right to object
You have the right to object at any time, on grounds relating to your own particular situation, to the processing of your personal data based on Art. 6 para. 1 lit. e) GDPR (processing carried out in the public interest) or Art. 6 para. 1 lit. f) GDPR (data processing necessary for pursuing the legitimate interests of the controller); including profiling based on these provisions as defined by Art. 4 para. 4 GDPR.
Should you object, we will no longer process your personal data unless we can demonstrate compelling legitimate grounds for such processing which outweigh your personal interests, rights and freedoms; or where such processing serves in the establishment, exercise or defence of legal claims.
2. Objection to the processing of your data for the purposes of direct marketing by Sparkasse
In individual cases, we process your personal information for the purposes of direct marketing. You have the right to object at any time to the processing of your personal data for such marketing; this includes profiling insofar as it is related to such direct marketing.
Should you object to the processing of your data for direct marketing purposes, we will no longer process your personal data for such purposes.
The objection need not follow a particular form and should be addressed to:
You also have the right to lodge a complaint with the following supervisory authority regarding the processing of your data:
Berliner Beauftragte für Datenschutz und Informationsfreiheit
Telefon: 030 13889-0
Telefax: 030 215505
VIII. Is your data used for automated decision-making or profiling?
The data collected from visits to this website is not used for automated decision making as defined by Art. 22 GDPR.
Updated: December 2021
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Unsere Webseiten verwenden sog. Retargeting-Technologien. Wir nutzen diese Technologien, um für Sie das Internetangebot interessanter zu gestalten. Diese Technik ermöglicht es Internetnutzern, die sich bereits für unsere Seite interessiert haben, auf den Webseiten unserer Partner (z.B. Google und Facebook) mit Werbung anzusprechen. Wir sind davon überzeugt, dass die Einblendung einer personalisierten, interessenbezogenen Werbung in der Regel für den Internetnutzer interessanter ist als Werbung, die keinen solchen persönlichen Bezug hat. Die Einblendung dieser Werbemittel auf den Seiten unserer Partner erfolgt auf Basis einer Cookie-Technologie und einer Analyse des vorherigen Nutzungsverhaltens. Diese Form der Werbung erfolgt vollkommen anonym. Selbstverständlich werden hierbei keine personenbezogenen Daten gespeichert und es sind keine Rückschlüsse auf den einzelnen Nutzer möglich. Die Verwendung der Retargeting-Technologie erfolgt unter Beachtung der geltenden gesetzlichen Datenschutzbestimmungen.
Google Dynamic Remarketing
Wir nutzen Google Dynamic Remarketing. Durch diese Technologie werden Nutzer, die unsere Websites bereits besucht haben, durch zielgerichtete Werbung auf den Seiten des Google Partner Netzwerks erneut angesprochen. Die Einblendung der Werbung erfolgt wie oben beschrieben durch den Einsatz von Cookies, mit deren Hilfe das Nutzerverhalten beim Besuch der Website analysiert und anschließend für gezielte Produktempfehlungen und interessenbasierte Werbung genutzt werden kann. Durch die Nutzung unserer Webseiten erklären Sie sich mit der Bearbeitung der über Sie erhobenen Daten durch Google und der zuvor beschriebenen Art und Weise der Datenverarbeitung sowie dem benannten Zweck einverstanden. Sie können die Speicherung der Cookies durch eine entsprechende Einstellung Ihrer Browser-Software verhindern; wir weisen Sie jedoch darauf hin, dass Sie in diesem Fall gegebenenfalls nicht sämtliche Funktionen unserer Webseiten vollumfänglich werden nutzen können. Sollten Sie dies nicht wünschen, können Sie dies über den Anzeigenvorgaben-Manager deaktivieren.
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