Your data are always collected, processed and used in compliance with relevant German and European data protection legislation.
Where we use your personal data for a purpose that requires your consent under the law, we will always request your explicit consent. Should you not give your consent, please note that you may be unable to use the service concerned.
Collection, Processing and Use of Personal Data
a. Visiting our website without entering personal data
You can visit our website and obtain information without having to provide any personal data. You therefore remain basically anonymous while visiting our site. Anonymous connection details provided by your internet browser each time you view a page, such as the date, the time spent on the page or the name of your Internet Service Provider, are used by us.
b. Processing of personal data for registration and mortgage applications
If you would like to use our services to obtain mortgage offers, registration and provision of personal data is required. To register, it is necessary for you to provide your email address and/or telephone number, and choose a password. To ensure the security of these data, your chosen password is not stored anywhere in plain text form – this means it is not known by anyone (except you).
To obtain mortgage offers, we also require the following personal data:
- First name, surname
- Postal address
- Employment status and length
- Net income
- Years until retirement
- Marital status
- Number of children
- Living situation
- Monthly cold rent
- Primary bank
- Total savings
- Maximum house price you can afford
- Purchase price of property
- Property price, city
- New or old property
- Property usage
- Monthly repayment
- Outstanding mortgages
- Co borrower status
- Existing loan agreement and date
- Whether loan is rescheduled, and date if yes
- Length of fixed interest period
- Remaining loan debt
- Loan interest rate
- Monthly loan installments
- Loan repayment rate.
c. Processing of personal data by Hypofriend
Hypofriend collects, stores and uses your personal data to process and implement contracts, e.g. passing your enquiry on to Hypofriend partners and making their offers and possible further inquiries available to you through your user account.
Where we use third-party service providers, they will receive only the necessary data from us and they are also obliged to protect your personal data.
Your data are passed on to Third Parties only so far as this is prescribed or permitted by the law, particularly if requested by investigative authorities or if you have given your express permission.
All data which you enter and save on our website are subject to the strictest security regulations. Your location data is only transmitted via an encrypted connection. By double-clicking the lock symbol, you can check at any time that your data are being sent in encrypted form exclusively to a certified web server authorised by us.
By technical and organisational safeguards, we aim to guarantee maximum possible security against unauthorised access and loss, destruction or manipulation of your data.
Your Right To Object
You can object to the collection, processing or use of your personal data for advertising, market research and opinion polling at any time by sending an informal notice to:
We may be legally required to request proof of your identity.
Your Right to Information, Correction and Deletion
In those cases prescribed by law, you also have the right to correction of incorrect data, and blocking or deletion of data. Please note that your right to deletion of data may be limited by legal retention obligations that we are required to observe. Please address any concerns to:
We may be legally required to request proof of your identity.
Information on Processing of Non-Personal Data
You can deactivate storage of these cookies and delete existing cookies in the system settings of your browser at any time. Any user can view our services without cookies. However, if you do not accept cookies, this can restrict the available functionality.
b. Use of Google Analytics/Google Remarketing
However, if IP anonymisation is activated on this website, your IP address will first be shortened by Google within member states of the European Union or in other countries that are signatories of the Agreement on the European Economic Area. Only in exceptional cases will the full IP address be sent to a Google server in the US and shortened there. Google will use this information on behalf of the provider of this website to evaluate your use of the website, to compile reports on website activity, and to provide other services regarding website usage and internet usage for the website provider.
The IP address transmitted by your browser for Google Analytics will not be associated with any other data held by Google. You can prevent these cookies being stored by selecting the appropriate settings in your browser; however, please note that doing so may make you unable to use the full functionality of this website.
You can also prevent the data generated by the cookies about your use of the website (including your IP address) being sent to and processed by Google by downloading and installing the browser plugin available from the following link: http://tools.google.com/dlpage/gaoptout?hl=en.
Please note that we also use the extended Google Analytics remarketing and advertising functions, alongside the standard Google Analytics functions. Based on a user's previous visits to our website, the remarketing and advertising functions enable analysis and placement of optimised, interest-based advertising on other websites within the Google Display Network (on Google itself, on Google Ads, or on other websites). Google Analytics uses a third-party cookie from DoubleClick to evaluate data on user browsing habits on various websites. These data can provide information on topics such as demographics and the interests of website users.
DoubleClick cookies do not contain or store any personal user data; this means you cannot be personally identified at any time.
You can prevent these cookies being stored by selecting the appropriate settings in your browser. You can also deactivate interest-based advertising on Google and interest-based Google ads (within the Google Display Network) in your browser by going to https://adssettings.google.com or http://www.google.com/settings/ads/onweb/?hl=en and switching the button to 'off', or deactivate ads on http://www.aboutads.info/choices/. You can find further information on available settings and Google data protection on https://www.google.com/intl/en/policies/privacy/?fg=1.
c. Use of Facebook Pixel
We use Facebook's Pixel service, provided by Facebook Ireland Ltd., 4 Grand Canal Square, Grand Canal Harbour, Dublin 2, Ireland, for online advertising. This collects anonymised data on browsing habits. Only general and technical data about the page visited are collected. These are not linked to or evaluated together with the user's personal data. You can deactivate this type of data processing by opting out on the following link: http://www.youronlinechoices.com/uk/your-ad-choices. Facebook users can also deactivate this type of data processing on the following link: https://www.facebook.com/settings?tab=ads.
e. Use of Amazon Web Services
We additionally use the Amazon Web Services Cloud, provided by Amazon Web Services, Inc., P.O. Box 81226, Seattle, WA 98108-1226, USA. Website data and databases for the website and Hypofriend app are stored by this service. Amazon Web services processes the data only as commissioned and instructed by Hypofriend GmbH. Data are not transferred outside of Germany for this purpose.