Data protection
Data protection
Unless otherwise stated below, the provision of your personal data is neither legally nor contractually required, nor is it necessary for the conclusion of a contract. You are not obliged to provide the data. Failure to provide the data has no consequences. This only applies if no other information is provided in the subsequent processing operations.
“Personal data” means any information relating to an identified or identifiable natural person.
Contact
Responsible
Please contact us if you wish. The person responsible for data processing is: Moussa Boughdiri, Weinbergstraße 43, 72072 Tübingen Germany, +4915772884500, info.the.five.pillars@gmail.com
Customer’s initiative contact via email
If you initiate business contact with us by email, we will only collect your personal data (name, email address, message text) to the extent you provide it. The data processing serves to process and answer your contact request.
If the contact serves to carry out pre-contractual measures (e.g. advice in the event of interest in purchasing, preparation of an offer) or concerns a contract already concluded between you and us, this data processing is carried out on the basis of Art. 6 Para. 1 lit. b GDPR.
If contact is made for other reasons, this data processing is carried out on the basis of Art. 6 Para. 1 lit. f GDPR due to our overriding legitimate interest in processing and answering your request. In this case, you have the right to object to this processing of personal data concerning you based on Art. 6 Para. 1 lit. f GDPR at any time for reasons arising from your particular situation.
We only use your email address to process your request. Your data will then be deleted in compliance with statutory retention periods unless you have consented to further processing and use.
Collection and processing when using the contact form
When you use the contact form, we only collect your personal data (name, email address, message text) to the extent you provide it. The data processing serves the purpose of establishing contact.
If the contact serves to carry out pre-contractual measures (e.g. advice in the event of interest in purchasing, preparation of an offer) or concerns a contract already concluded between you and us, this data processing is carried out on the basis of Art. 6 Para. 1 lit. b GDPR.
If contact is made for other reasons, this data processing is carried out on the basis of Art. 6 Para. 1 lit. f GDPR due to our overriding legitimate interest in processing and answering your request. In this case, you have the right to object to this processing of personal data concerning you based on Art. 6 Para. 1 lit. f GDPR at any time for reasons arising from your particular situation.
We only use your email address to process your request. Your data will then be deleted in compliance with statutory retention periods unless you have consented to further processing and use.
Orders
Payment service provider credit report
Using Amazon Payments
We use the payment service Amazon Payments from Amazon Payments Europe sca (38 avenue John F. Kennedy, L-1855 Luxembourg; “Amazon Payments”) on our website.
The data processing serves the purpose of being able to offer you payment via the Amazon Payments payment service.
To integrate this payment service, Amazon Payments must collect, save and analyze data (e.g. IP address, device type, operating system, browser type, location of your device) when you visit the website. Cookies can also be used for this purpose. The cookies enable your browser to be recognized.
Your personal data is processed on the basis of Art. 6 (1) (f) GDPR due to our overriding legitimate interest in offering a customer-oriented range of different payment methods. You have the right to object to this processing of personal data concerning you at any time for reasons arising from your particular situation.
By selecting and using “Amazon Payments”, the data required for payment processing will be transmitted to Amazon Payments in order to be able to fulfill the contract with you using the selected payment method. This processing is carried out on the basis of Art. 6 Para. 1 lit. b GDPR.
Further information on data processing when using the Amazon Payments payment service can be found in the associated privacy policy at: https://pay.amazon.com/de/help/201212490
Data collection and processing when registering for installment purchase via easyCredit
When paying by installment purchase via easyCredit, the additional data protection information on installment purchase from easyCredit applies.
Data collection and processing, credit check for purchase on account via Unzer
When paying by invoice via Unzer (Unzer Invoice), personal data is transmitted to the debt collection service provider Unzer GmbH (Vangerowstrasse 18, 69115 Heidelberg; "Unzer") and to its partners UNIVERSUM Inkasso GmbH and UNIVERSUM Payment Solution GmbH and processed there. The data processing serves the purpose of offering the payment method purchase on account and the risk and creditworthiness assessment required for this. The processing is carried out on the basis of Art. 6 Para. 1 lit. f GDPR due to our overriding legitimate interest in offering various payment methods and in protection against payment default. For reasons arising from your particular situation, you have the right to object to this processing of personal data concerning you based on Art. 6 Para. 1 lit. f GDPR at any time by notifying us. For the purpose of its own credit check, Unzer transmits data to credit agencies (credit agencies) and receives information from them and, if applicable, credit information based on mathematical-statistical procedures, the calculation of which includes, among other things, address data.
In detail, these may be the following credit agencies, which are listed as examples but not exhaustive:
The processing is carried out on the basis of Art. 6 Paragraph 1 Letter a of GDPR with your consent. You can revoke your consent at any time by notifying us, without affecting the legality of the processing carried out on the basis of the consent until the revocation.
As part of the identity check, you agree that your personal data will be transmitted by Paymorrow to SCHUFA Holding AG (Kormoranweg 5, 65201 Wiesbaden; "SCHUFA") for the purpose of identity verification. SCHUFA will then transmit the degree of correspondence between the personal details stored by it and the personal details you have provided in percentage values and, if applicable, a reference to a previous ID-based legitimacy check carried out by SCHUFA or another contractual partner. Paymorrow can therefore use the transmitted match rates to determine whether a person is stored in the SCHUFA database at the address you have provided. There will be no further exchange of data or transmission of different addresses or storage of your data in the SCHUFA database. For reasons of proof, only the fact that the address was checked by SCHUFA will be stored.
In order to carry out the credit check as part of the acceptance check, the following personal data is required from you: title, first and last name; place of residence (street, house number, postcode, city); date of birth; telephone number. The use, processing and forwarding of the aforementioned personal data by the online shop operator and Paymorrow as well as the forwarding of this data by Paymorrow to the aforementioned credit agencies for the purpose of the credit check requires your consent.
As part of the ordering process, you will therefore be asked to consent to the storage, processing and use of your personal data by the online shop operator or Paymorrow for the purpose of credit checks and to the transfer of this data to credit agencies, including the transfer of data to third parties.
Paymorrow reserves the right to transfer personal data to service providers or financial partners commissioned by Paymorrow for the purposes stated above or to grant them access to it to the extent that this is necessary to fulfill their tasks.
Of course, we respect the customer's decision not to give their consent. In this case, however, neither the online shop operator nor Paymorrow can comply with the customer's request to purchase on account.
For the purpose of credit checks, Paymorrow or partner companies commissioned by Paymorrow may transmit your address data to credit agencies for credit and credit checks within the scope of what is legally permissible and taking into account your respective legitimate interests in excluding the transmission or use when registering for purchase on account. For the purpose of credit checks, we obtain information on the customer's previous purchasing and payment behavior and credit information based on mathematical-statistical procedures using address data (scoring - to calculate payment probabilities) from the following credit agencies, which store data for the purpose of providing information:
Bürgel, Bürgel Wirtschaftsinformationen GmbH & Co. KG, Gasstrasse 18, D-22761 Hamburg, Tel.: +49 (0) 40 - 89 80 3 - 0, Fax: -777;
CEG, Creditreform Consumer GmbH, Hellersbergstr. 11, D-41460 Neuss, Tel.:+49(0)2131-109-501, Fax: -557;
Deltavista, Deltavista GmbH, Freisinger Landstr. 74, D-80939 Munich, Tel.: +49 (0)89 - 7244880, Fax: - 22;
infoscore Consumer Data GmbH, Data Protection Department, Rheinstrasse 99, D-76532 Baden-Baden, Fax: +49 (7221) 5040-3201;
"Real" Inform GmbH, Normannenweg 32, 20537 Hamburg, Fax: +49 40 23 88 14-59.
You can request the data stored about you by the respective credit agencies from the credit agencies mentioned. The credit agencies mentioned can also be provided with data about the conclusion of a contract, the application, the start and/or the termination of a contractual relationship. The online shop operator/Paymorrow can also provide the credit agencies with data about any behavior that is not in accordance with the contract. The credit agencies store this data in order to be able to provide their contractual partners with information to assess the creditworthiness of customers or the customer's address for debtor identification if a legitimate interest is credibly demonstrated. Paymorrow ensures that the credit agencies mentioned process and/or use your personal data exclusively within the scope of the intended purpose of "creditworthiness and credit check".
Data collection and processing for the payment methods by Unzer “purchase on account” (purchase on account) and/or “installment payment” and/or “SEPA direct debit”
When paying using the Unzer payment methods “purchase on account” (purchase on account) and/or “installment payment” and/or “SEPA direct debit”, the purchase price claim is assigned to Bank Frick & Co. AG (Landstrasse 14, 9496 Balzers, Liechtenstein; hereinafter “Bank”). The data required to process the payment is transmitted to payolution GmbH (Am Euro Platz 2, 1120 Vienna, Austria). The data transfer serves the purpose of enabling Unzer to carry out an identity and credit check in order to process your purchase using the payment method you have requested. The processing is carried out on the basis of Art. 6 Para. 1 lit. f GDPR due to our overriding legitimate interest in offering a variety of payment methods and in protecting against payment default. For reasons arising from your particular situation, you have the right to object to this processing of personal data concerning you based on Art. 6 Para. 1 lit. f GDPR at any time by notifying us. You can find Unzer's privacy policy here . If you would like to receive information about the use of personal data concerning you, you can contact datenschutz@payolution.com. The provision of the data is necessary for the conclusion of the contract with the payment method you have requested. Failure to provide the data means that the contract cannot be concluded with the payment method you have selected.
Cookies
Our website uses cookies. Cookies are small text files that are stored in the Internet browser or by the Internet browser on a user's computer system. When a user visits a website, a cookie can be stored on the user's operating system. This cookie contains a characteristic string of characters that enables the browser to be uniquely identified when the website is visited again.
Duration of storage
After the contract has been fully processed, the data will initially be stored for the duration of the warranty period, then taking into account statutory retention periods, in particular those under tax and commercial law, and then deleted after the deadline has expired, unless you have consented to further processing and use.
Rights of the data subject
If the legal requirements are met, you have the following rights under Art. 15 to 20 GDPR: Right to information, to rectification, to erasure, to restriction of processing, to data portability.
Furthermore, according to Art. 21 Para. 1 GDPR, you have the right to object to processing based on Art. 6 Para. 1 f GDPR and to processing for direct marketing purposes.
Right to complain to the supervisory authority
According to Art. 77 GDPR, you have the right to complain to the supervisory authority if you believe that the processing of your personal data is not lawful.
You can lodge a complaint with the supervisory authority responsible for us, which you can reach using the following contact details:
State Commissioner for Data Protection and Freedom of Information Baden-Württemberg
Koenigstrasse 10 a
70173 Stuttgart
Phone: +49 711 6155410
Fax: +49 711 61554115
Email: poststelle@lfdi.bwl.de
Right to object
If the personal data processing listed here is based on our legitimate interest in accordance with Art. 6 (1) (f) GDPR, you have the right to object to this processing at any time with effect for the future for reasons arising from your particular situation.
Once you have objected, the processing of the data concerned will be stopped unless we can demonstrate compelling legitimate grounds for the processing which outweigh your interests, rights and freedoms, or if the processing serves to assert, exercise or defend legal claims.
last update: 29.11.2023
Unless otherwise stated below, the provision of your personal data is neither legally nor contractually required, nor is it necessary for the conclusion of a contract. You are not obliged to provide the data. Failure to provide the data has no consequences. This only applies if no other information is provided in the subsequent processing operations.
“Personal data” means any information relating to an identified or identifiable natural person.
Server log files
You can visit our websites without providing any personal information.
Every time you access our website, usage data is transmitted to us or our web host/IT service provider through your Internet browser and stored in protocol data (so-called server log files). This stored data includes, for example, the name of the page accessed, the date and time of access, the IP address, the amount of data transferred and the requesting provider.
The processing is carried out on the basis of Art. 6 (1) (f) GDPR due to our overriding legitimate interest in ensuring the trouble-free operation of our website and improving our offering.
Your data may be transferred to third countries outside the EU, in particular to Canada and the USA, and processed there. For Canada, there is an adequacy decision of the EU Commission. For the USA, there is an adequacy decision of the EU Commission, the Trans-Atlantic Data Privacy Framework (TADPF). Shopify is not certified according to the TADPF. This data transfer is based on contractual obligations that are comparable to those of the EU Commission's standard contractual clauses.The processing is carried out on the basis of Art. 6 (1) (f) GDPR due to our overriding legitimate interest in ensuring the trouble-free operation of our website and improving our offering.
Contact
Responsible
Please contact us if you wish. The person responsible for data processing is: Moussa Boughdiri, Weinbergstraße 43, 72072 Tübingen Germany, +4915772884500, info.the.five.pillars@gmail.com
Customer’s initiative contact via email
If you initiate business contact with us by email, we will only collect your personal data (name, email address, message text) to the extent you provide it. The data processing serves to process and answer your contact request.
If the contact serves to carry out pre-contractual measures (e.g. advice in the event of interest in purchasing, preparation of an offer) or concerns a contract already concluded between you and us, this data processing is carried out on the basis of Art. 6 Para. 1 lit. b GDPR.
If contact is made for other reasons, this data processing is carried out on the basis of Art. 6 Para. 1 lit. f GDPR due to our overriding legitimate interest in processing and answering your request. In this case, you have the right to object to this processing of personal data concerning you based on Art. 6 Para. 1 lit. f GDPR at any time for reasons arising from your particular situation.
We only use your email address to process your request. Your data will then be deleted in compliance with statutory retention periods unless you have consented to further processing and use.
Collection and processing when using the contact form
When you use the contact form, we only collect your personal data (name, email address, message text) to the extent you provide it. The data processing serves the purpose of establishing contact.
If the contact serves to carry out pre-contractual measures (e.g. advice in the event of interest in purchasing, preparation of an offer) or concerns a contract already concluded between you and us, this data processing is carried out on the basis of Art. 6 Para. 1 lit. b GDPR.
If contact is made for other reasons, this data processing is carried out on the basis of Art. 6 Para. 1 lit. f GDPR due to our overriding legitimate interest in processing and answering your request. In this case, you have the right to object to this processing of personal data concerning you based on Art. 6 Para. 1 lit. f GDPR at any time for reasons arising from your particular situation.
We only use your email address to process your request. Your data will then be deleted in compliance with statutory retention periods unless you have consented to further processing and use.
Orders
Collection, processing and transfer of personal data when placing orders
When you place an order, we only collect and process your personal data to the extent that this is necessary to fulfil and process your order and to process your enquiries. The provision of the data is necessary for the conclusion of the contract. Failure to provide the data means that no contract can be concluded. The processing is carried out on the basis of Art. 6 Para. 1 lit. b GDPR and is necessary for the fulfilment of a contract with you.
Your data will be passed on, for example, to the shipping companies and dropshipping providers you have chosen, payment service providers, service providers for order processing and IT service providers. In all cases, we strictly adhere to the legal requirements. The scope of data transmission is limited to a minimum.
Your data may be transferred to third countries outside the EU, in particular to Canada and the USA, and processed there. For Canada, there is an adequacy decision of the EU Commission. For the USA, there is an adequacy decision of the EU Commission, the Trans-Atlantic Data Privacy Framework (TADPF). Shopify is not certified according to the TADPF. This data transfer is based on contractual obligations that are comparable to those of the EU Commission's standard contractual clauses.Payment service provider credit report
Using Amazon Payments
We use the payment service Amazon Payments from Amazon Payments Europe sca (38 avenue John F. Kennedy, L-1855 Luxembourg; “Amazon Payments”) on our website.
The data processing serves the purpose of being able to offer you payment via the Amazon Payments payment service.
To integrate this payment service, Amazon Payments must collect, save and analyze data (e.g. IP address, device type, operating system, browser type, location of your device) when you visit the website. Cookies can also be used for this purpose. The cookies enable your browser to be recognized.
Your personal data is processed on the basis of Art. 6 (1) (f) GDPR due to our overriding legitimate interest in offering a customer-oriented range of different payment methods. You have the right to object to this processing of personal data concerning you at any time for reasons arising from your particular situation.
By selecting and using “Amazon Payments”, the data required for payment processing will be transmitted to Amazon Payments in order to be able to fulfill the contract with you using the selected payment method. This processing is carried out on the basis of Art. 6 Para. 1 lit. b GDPR.
Further information on data processing when using the Amazon Payments payment service can be found in the associated privacy policy at: https://pay.amazon.com/de/help/201212490
Data collection and processing when registering for installment purchase via easyCredit
When paying by installment purchase via easyCredit, the additional data protection information on installment purchase from easyCredit applies.
Data collection and processing, credit check for purchase on account via Unzer
When paying by invoice via Unzer (Unzer Invoice), personal data is transmitted to the debt collection service provider Unzer GmbH (Vangerowstrasse 18, 69115 Heidelberg; "Unzer") and to its partners UNIVERSUM Inkasso GmbH and UNIVERSUM Payment Solution GmbH and processed there. The data processing serves the purpose of offering the payment method purchase on account and the risk and creditworthiness assessment required for this. The processing is carried out on the basis of Art. 6 Para. 1 lit. f GDPR due to our overriding legitimate interest in offering various payment methods and in protection against payment default. For reasons arising from your particular situation, you have the right to object to this processing of personal data concerning you based on Art. 6 Para. 1 lit. f GDPR at any time by notifying us. For the purpose of its own credit check, Unzer transmits data to credit agencies (credit agencies) and receives information from them and, if applicable, credit information based on mathematical-statistical procedures, the calculation of which includes, among other things, address data.
In detail, these may be the following credit agencies, which are listed as examples but not exhaustive:
- Schufa Holding AG,
- CRIF Bürgel GmbH,
- Arvato InfoScore GmbH,
- UniverSys GmbH,
- Bisnode D & Austria GmbH.
Using Klarna payment options
We use the payment service of Klarna Bank AB (publ) (Sveavägen 46, 111 34 Stockholm, Sweden; “Klarna”) on our website. By selecting and using payment via Klarna, the data required for payment processing will be transmitted to Klarna in order to be able to fulfill the contract with you using the selected payment method. This processing is carried out on the basis of Art. 6 Para. 1 lit. b GDPR.
Cookies may be stored here that enable your browser to be recognized. The data processing that takes place as a result is based on Art. 6 Paragraph 1 Letter f of GDPR due to our overriding legitimate interest in offering a customer-oriented range of different payment methods. You have the right to object to this processing of personal data concerning you at any time for reasons arising from your particular situation.
Cookies may be stored here that enable your browser to be recognized. The data processing that takes place as a result is based on Art. 6 Paragraph 1 Letter f of GDPR due to our overriding legitimate interest in offering a customer-oriented range of different payment methods. You have the right to object to this processing of personal data concerning you at any time for reasons arising from your particular situation.
“Pay Later” (invoice), “Pay Now” (payment by direct debit), “Financing” (installment purchase)
For individual payment methods such as “Pay Later” (invoice), “Pay Now” (payment by direct debit), “Financing” (installment purchase), Klarna reserves the right to obtain a credit report based on mathematical-statistical procedures using credit agencies.
For this purpose, Klarna transmits the personal data required for a credit check, such as first and last name, address, gender, email address, IP address and data related to the order, to a credit agency for the purpose of identity and credit checks and uses the information received on the statistical probability of a payment default to make a balanced decision about the establishment, implementation or termination of the contractual relationship. The credit report may contain probability values (score values) that are calculated on the basis of scientifically recognized mathematical-statistical procedures and whose calculation includes, among other things, address data. Your legitimate interests are taken into account in accordance with the statutory provisions. The data processing serves the purpose of the credit check for the initiation of a contract. The processing is carried out on the basis of Art. 6 Para. 1 lit. f GDPR due to our overriding legitimate interest in protection against payment default when Klarna makes advance payments. You have the right to object to this processing of personal data concerning you based on Art. 6 (1) (f) GDPR at any time by notifying Klarna, for reasons arising from your particular situation. The provision of the data is necessary for the conclusion of the contract with the payment method you have requested. Failure to provide the data means that the contract cannot be concluded with the payment method you have selected.
Further information, in particular to which credit agencies Klarna passes on your personal data, can be found for Germany at https://cdn.klarna.com/1.0/shared/content/legal/terms/0/de_de/credit_rating_agencies and for Austria at https://cdn.klarna.com/1.0/shared/content/legal/terms/0/de_at/credit_rating_agencies
General information about Klarna can be found for Germany at: https://www.klarna.com/de/ and for Austria at https://www.klarna.com/at/ . Your personal data will be treated by Klarna in accordance with the applicable data protection regulations and in accordance with the information in Klarna's data protection regulations for Germany at https://cdn.klarna.com/1.0/shared/content/legal/terms/0/de_de/privacy and for Austria at https://cdn.klarna.com/1.0/shared/content/legal/terms/0/de_at/privacy .
Using SOFORT
We use the payment service provider SOFORT GmbH (Theresienhöhe 12, 80339 Munich, Germany; “SOFORT”) to process payments on our website. Sofort GmbH is a company of the Klarna Group (Klarna Bank AB (publ), Sveavägen 46, 11134 Stockholm, Sweden). The data processing serves the purpose of being able to offer you various payment methods by processing payments via the payment service provider SOFORT. If you have opted for the payment option, the data required for payment processing will be transmitted to SOFORT. This data processing is carried out on the basis of Art. 6 Para. 1 lit. b GDPR. Further information on data processing when using the payment service provider SOFORT can be found at https://www.sofort.com/1.0/shared/content/legal/terms/de-DE/SOFORT/ and https://www.klarna.com/sofort/ .
Data collection and processing when registering for payment via Paymorrow
When paying via Paymorrow, personal data is transmitted to the payment service provider InterCard AG (Alstertor 9, 20095 Hamburg; "Paymorrow") and further processed there.
For the "buy on account" payment method, Paymorrow checks whether the customer's request to buy on account can be accepted in view of any payment and default risks (acceptance check according to risk guidelines), or whether another payment method should be used in coordination with the online shop operator. For this purpose, Paymorrow carries out its own acceptance check after the desired payment method of buying on account has been activated. This requires an identity, creditworthiness and credit check with the credit agencies listed below.When paying via Paymorrow, personal data is transmitted to the payment service provider InterCard AG (Alstertor 9, 20095 Hamburg; "Paymorrow") and further processed there.
For the payment method "Pay in installments", Paymorrow checks whether the customer's request to pay in installments can be accepted in view of any payment and default risks (acceptance check according to risk guidelines), or whether another payment method should be used in coordination with the online shop operator. For this purpose, Paymorrow carries out its own acceptance check after the desired payment method of paying in installments has been activated. This requires a creditworthiness and identity check with the credit agencies listed below.
The data processing serves the purpose of offering the selected payment method and the credit check required for this.The processing is carried out on the basis of Art. 6 Paragraph 1 Letter a of GDPR with your consent. You can revoke your consent at any time by notifying us, without affecting the legality of the processing carried out on the basis of the consent until the revocation.
As part of the identity check, you agree that your personal data will be transmitted by Paymorrow to SCHUFA Holding AG (Kormoranweg 5, 65201 Wiesbaden; "SCHUFA") for the purpose of identity verification. SCHUFA will then transmit the degree of correspondence between the personal details stored by it and the personal details you have provided in percentage values and, if applicable, a reference to a previous ID-based legitimacy check carried out by SCHUFA or another contractual partner. Paymorrow can therefore use the transmitted match rates to determine whether a person is stored in the SCHUFA database at the address you have provided. There will be no further exchange of data or transmission of different addresses or storage of your data in the SCHUFA database. For reasons of proof, only the fact that the address was checked by SCHUFA will be stored.
In order to carry out the credit check as part of the acceptance check, the following personal data is required from you: title, first and last name; place of residence (street, house number, postcode, city); date of birth; telephone number. The use, processing and forwarding of the aforementioned personal data by the online shop operator and Paymorrow as well as the forwarding of this data by Paymorrow to the aforementioned credit agencies for the purpose of the credit check requires your consent.
As part of the ordering process, you will therefore be asked to consent to the storage, processing and use of your personal data by the online shop operator or Paymorrow for the purpose of credit checks and to the transfer of this data to credit agencies, including the transfer of data to third parties.
Paymorrow reserves the right to transfer personal data to service providers or financial partners commissioned by Paymorrow for the purposes stated above or to grant them access to it to the extent that this is necessary to fulfill their tasks.
Of course, we respect the customer's decision not to give their consent. In this case, however, neither the online shop operator nor Paymorrow can comply with the customer's request to purchase on account.
For the purpose of credit checks, Paymorrow or partner companies commissioned by Paymorrow may transmit your address data to credit agencies for credit and credit checks within the scope of what is legally permissible and taking into account your respective legitimate interests in excluding the transmission or use when registering for purchase on account. For the purpose of credit checks, we obtain information on the customer's previous purchasing and payment behavior and credit information based on mathematical-statistical procedures using address data (scoring - to calculate payment probabilities) from the following credit agencies, which store data for the purpose of providing information:
Bürgel, Bürgel Wirtschaftsinformationen GmbH & Co. KG, Gasstrasse 18, D-22761 Hamburg, Tel.: +49 (0) 40 - 89 80 3 - 0, Fax: -777;
CEG, Creditreform Consumer GmbH, Hellersbergstr. 11, D-41460 Neuss, Tel.:+49(0)2131-109-501, Fax: -557;
Deltavista, Deltavista GmbH, Freisinger Landstr. 74, D-80939 Munich, Tel.: +49 (0)89 - 7244880, Fax: - 22;
infoscore Consumer Data GmbH, Data Protection Department, Rheinstrasse 99, D-76532 Baden-Baden, Fax: +49 (7221) 5040-3201;
"Real" Inform GmbH, Normannenweg 32, 20537 Hamburg, Fax: +49 40 23 88 14-59.
You can request the data stored about you by the respective credit agencies from the credit agencies mentioned. The credit agencies mentioned can also be provided with data about the conclusion of a contract, the application, the start and/or the termination of a contractual relationship. The online shop operator/Paymorrow can also provide the credit agencies with data about any behavior that is not in accordance with the contract. The credit agencies store this data in order to be able to provide their contractual partners with information to assess the creditworthiness of customers or the customer's address for debtor identification if a legitimate interest is credibly demonstrated. Paymorrow ensures that the credit agencies mentioned process and/or use your personal data exclusively within the scope of the intended purpose of "creditworthiness and credit check".
If your request to "pay in installments" has been accepted, you have the option of applying for the "pay in installments" payment method through Paymorrow's partner bank. After successfully completing your order in the online shop, you will be redirected to the "pay in installments" offer in our customer portal. To use the service, you must follow the instructions in the "pay in installments" menu item. The "pay in installments" service is provided by our partner bank, Commerzfinanz GmbH.
When you submit your request for the "Pay in installments" payment method, you will provide Commerzfinanz GmbH with your first and last name, street, house number, postcode, city, date of birth and telephone number for the purpose of concluding the credit agreement and processing the payment for your online purchases in Paymorrow partner shops. This personal data is required by Commerzfinanz GmbH for the purpose of reviewing and responding to your credit request for the "Pay in installments" payment method.
The provision of data is necessary for the conclusion of the contract with the payment method you have requested. Failure to provide the data means that the contract cannot be concluded with the payment method you have selected.When you submit your request for the "Pay in installments" payment method, you will provide Commerzfinanz GmbH with your first and last name, street, house number, postcode, city, date of birth and telephone number for the purpose of concluding the credit agreement and processing the payment for your online purchases in Paymorrow partner shops. This personal data is required by Commerzfinanz GmbH for the purpose of reviewing and responding to your credit request for the "Pay in installments" payment method.
Data collection and processing for payment methods by credit card, direct debit and invoice via secupay AG
We have integrated the components secupay.direct debit, secupay.purchase on account and secupay.credit card from secupay AG (Goethestr. 6, 01896 Pulsnitz; "secupay") on our website. secupay is a payment institution within the meaning of the Payment Services Supervision Act (ZAG) and is registered with the Federal Financial Supervisory Authority (Graurheindorfer Str. 108, 53117 Bonn; "BaFin") (registration number: 126737) and enables cashless payment for products and services on the Internet. secupay represents a process through which the purchase price claim is assigned to secupay. This enables a retailer to deliver goods, services or downloads to the customer immediately after the order has been placed. If you select "direct debit", "purchase on account" or "credit card" as a payment option via secupay during the order process in our online shop, your data will be automatically transmitted to secupay. By selecting one of these payment options, you consent to the transmission of personal data required for payment processing. The processing is carried out on the basis of Art. 6 Paragraph 1 Letter a of GDPR with your consent. You can revoke your consent at any time by notifying us without affecting the legality of the processing carried out on the basis of the consent until the revocation. When payments are processed via secupay, the payment method data is transmitted to secupay. secupay then carries out a technical check of the risk of payment default. The transaction result is then communicated to us automatically. The personal data exchanged with secupay is first name, last name, address, email address, IP address, telephone number or other data that is necessary for payment processing . The purpose of transmitting the data is to process payments and prevent fraud. We will also transmit other personal data to secupay if there is a legitimate interest in the transmission. The processing is carried out on the basis of Art. 6 Paragraph 1 Letter f of GDPR. The personal data exchanged between secupay and us may be transmitted by secupay to credit agencies. This transmission is for the purpose of identity and credit checks. secupay may pass on the personal data to affiliated companies and service providers or subcontractors if this is necessary to fulfill the contractual obligations or if the data is to be processed on behalf of secupay. You have the option of revoking your consent to the handling of personal data at any time. A revocation does not affect personal data that must be processed, used or transmitted for (contractual) payment processing. The applicable secupay data protection regulations can be found at https://www.secupay.com/de/datenschutz .
We have integrated the components secupay.direct debit, secupay.purchase on account and secupay.credit card from secupay AG (Goethestr. 6, 01896 Pulsnitz; "secupay") on our website. secupay is a payment institution within the meaning of the Payment Services Supervision Act (ZAG) and is registered with the Federal Financial Supervisory Authority (Graurheindorfer Str. 108, 53117 Bonn; "BaFin") (registration number: 126737) and enables cashless payment for products and services on the Internet. secupay represents a process through which the purchase price claim is assigned to secupay. This enables a retailer to deliver goods, services or downloads to the customer immediately after the order has been placed. If you select "direct debit", "purchase on account" or "credit card" as a payment option via secupay during the order process in our online shop, your data will be automatically transmitted to secupay. By selecting one of these payment options, you consent to the transmission of personal data required for payment processing. The processing is carried out on the basis of Art. 6 Paragraph 1 Letter a of GDPR with your consent. You can revoke your consent at any time by notifying us without affecting the legality of the processing carried out on the basis of the consent until the revocation. When payments are processed via secupay, the payment method data is transmitted to secupay. secupay then carries out a technical check of the risk of payment default. The transaction result is then communicated to us automatically. The personal data exchanged with secupay is first name, last name, address, email address, IP address, telephone number or other data that is necessary for payment processing . The purpose of transmitting the data is to process payments and prevent fraud. We will also transmit other personal data to secupay if there is a legitimate interest in the transmission. The processing is carried out on the basis of Art. 6 Paragraph 1 Letter f of GDPR. The personal data exchanged between secupay and us may be transmitted by secupay to credit agencies. This transmission is for the purpose of identity and credit checks. secupay may pass on the personal data to affiliated companies and service providers or subcontractors if this is necessary to fulfill the contractual obligations or if the data is to be processed on behalf of secupay. You have the option of revoking your consent to the handling of personal data at any time. A revocation does not affect personal data that must be processed, used or transmitted for (contractual) payment processing. The applicable secupay data protection regulations can be found at https://www.secupay.com/de/datenschutz .
When paying using the Unzer payment methods “purchase on account” (purchase on account) and/or “installment payment” and/or “SEPA direct debit”, the purchase price claim is assigned to Bank Frick & Co. AG (Landstrasse 14, 9496 Balzers, Liechtenstein; hereinafter “Bank”). The data required to process the payment is transmitted to payolution GmbH (Am Euro Platz 2, 1120 Vienna, Austria). The data transfer serves the purpose of enabling Unzer to carry out an identity and credit check in order to process your purchase using the payment method you have requested. The processing is carried out on the basis of Art. 6 Para. 1 lit. f GDPR due to our overriding legitimate interest in offering a variety of payment methods and in protecting against payment default. For reasons arising from your particular situation, you have the right to object to this processing of personal data concerning you based on Art. 6 Para. 1 lit. f GDPR at any time by notifying us. You can find Unzer's privacy policy here . If you would like to receive information about the use of personal data concerning you, you can contact datenschutz@payolution.com. The provision of the data is necessary for the conclusion of the contract with the payment method you have requested. Failure to provide the data means that the contract cannot be concluded with the payment method you have selected.
Data collection and processing for payment methods by installment purchase, SEPA direct debit and invoice via Ratepay
When paying using the payment methods "Ratepay purchase on account" and/or "Ratepay direct debit" and/or "Ratepay purchase in installments", your personal data provided during the ordering process (first and last name, address, date of birth, email address, telephone number and, in the case of SEPA direct debit, the specified bank account details) will be collected and passed on to Ratepay GmbH (Franklinstraße 28-29, 10587 Berlin; "Ratepay"). The purpose of the data transfer is to enable Ratepay to carry out a risk analysis in order to process your purchase using the payment method you have requested.
The processing is carried out on the basis of Art. 6 (1) (f) GDPR due to the overriding legitimate interest in determining whether you will be able to meet your payment obligations and in order to rule out fraudulent intent by using your data to commit criminal offenses.
As part of the risk analysis, Ratepay reserves the right to obtain a credit report based on mathematical-statistical procedures using credit agencies. To do this, Ratepay transmits the personal data required for a credit check to a credit agency and uses the information received on the statistical probability of a payment default to make a balanced decision about the establishment, implementation or termination of the contractual relationship. An overview of credit agencies that Ratepay uses can be found at: https://www.ratepay.com/legal-payment-creditagencies/ . The credit report can contain probability values (score values) that are calculated on the basis of scientifically recognized mathematical-statistical procedures and whose calculation includes, among other things, address data. Your legitimate interests are taken into account in accordance with the statutory provisions. The data processing serves the purpose of the credit check for the initiation of a contract. The processing is carried out on the basis of Art. 6 (1) (f) GDPR due to our overriding legitimate interest in protection against payment default when Ratepay makes advance payments.
You have the right to object to this processing of personal data concerning you based on Art. 6 (1) (f) GDPR at any time by notifying us or Ratepay, for reasons arising from your particular situation. The provision of the data is necessary for the conclusion of the contract with the payment method you have requested. Failure to provide the data means that the contract cannot be concluded with the payment method you have selected.
Further information on payment methods and data processing when using the payment service can be found in the associated data protection declaration at https://www.ratepay.com/legal-payment-terms/ and https://www.ratepay.com/legal-payment-dataprivacy/ .
Cookies
Our website uses cookies. Cookies are small text files that are stored in the Internet browser or by the Internet browser on a user's computer system. When a user visits a website, a cookie can be stored on the user's operating system. This cookie contains a characteristic string of characters that enables the browser to be uniquely identified when the website is visited again.
Cookies are stored on your computer. You therefore have full control over the use of cookies. By selecting the appropriate technical settings in your Internet browser, you can be notified before cookies are set and decide individually whether to accept them, as well as prevent the cookies from being stored and the data they contain from being transmitted. Cookies that have already been stored can be deleted at any time. However, we would like to point out that you may then not be able to use all of the functions of this website to their full extent.
The links below will tell you how to manage (including deactivate) cookies in the most important browsers:
Chrome: https://support.google.com/accounts/answer/61416?hl=en
Microsoft Edge: https://support.microsoft.com/de-de/microsoft-edge/cookies-in-microsoft-edge-lB6schen-63947406-40ac-c3b8-57b9-2a946a29ae09
Microsoft Edge: https://support.microsoft.com/de-de/microsoft-edge/cookies-in-microsoft-edge-lB6schen-63947406-40ac-c3b8-57b9-2a946a29ae09
Mozilla Firefox: https://support.mozilla.org/de/kb/cookies-erlauben-und-ablehnen
Technically necessary cookies
Unless otherwise stated in the privacy policy below, we only use these technically necessary cookies for the purpose of making our service more user-friendly, effective and secure. Cookies also enable our systems to recognize your browser even after you change pages and to offer you services. Some functions of our website cannot be offered without the use of cookies. For these, it is necessary that the browser is recognized even after you change pages.
The use of cookies or similar technologies is based on Section 25 Paragraph 2 TDDDG. The processing of your personal data is based on Art. 6 Paragraph 1 Letter f GDPR due to our overriding legitimate interest in ensuring the optimal functionality of the website and a user-friendly and effective design of our offering.
You have the right to object to the processing of personal data concerning you at any time for reasons related to your particular situation.
Rights of data subjects and storage periodDuration of storage
After the contract has been fully processed, the data will initially be stored for the duration of the warranty period, then taking into account statutory retention periods, in particular those under tax and commercial law, and then deleted after the deadline has expired, unless you have consented to further processing and use.
Rights of the data subject
If the legal requirements are met, you have the following rights under Art. 15 to 20 GDPR: Right to information, to rectification, to erasure, to restriction of processing, to data portability.
Furthermore, according to Art. 21 Para. 1 GDPR, you have the right to object to processing based on Art. 6 Para. 1 f GDPR and to processing for direct marketing purposes.
Right to complain to the supervisory authority
According to Art. 77 GDPR, you have the right to complain to the supervisory authority if you believe that the processing of your personal data is not lawful.
You can lodge a complaint with the supervisory authority responsible for us, which you can reach using the following contact details:
State Commissioner for Data Protection and Freedom of Information Baden-Württemberg
Koenigstrasse 10 a
70173 Stuttgart
Phone: +49 711 6155410
Fax: +49 711 61554115
Email: poststelle@lfdi.bwl.de
Right to object
If the personal data processing listed here is based on our legitimate interest in accordance with Art. 6 (1) (f) GDPR, you have the right to object to this processing at any time with effect for the future for reasons arising from your particular situation.
Once you have objected, the processing of the data concerned will be stopped unless we can demonstrate compelling legitimate grounds for the processing which outweigh your interests, rights and freedoms, or if the processing serves to assert, exercise or defend legal claims.
last update: 29.11.2023