Privacy policy

1. General information and principles of data processing

The protection of your privacy and the protection of your personal data, so-called personal data, when using our website is an important concern for us.

According to Art. 4 No. 1 of the DS–GVO, personal data is any information relating to an identified or identifiable natural person. This includes, for example, information such as their first and last name, their address, their telephone number, their e-mail address, but also their IP address.

Data for which no reference to your person can be established, such as through anonymization, is not personal data. Processing (e.g. collecting, storing, reading, querying, using, transmitting, deleting or destroying) according to Art. 4 No. 2 GDPR always requires a legal basis or your consent. Processed personal data must be deleted as soon as the purpose of the processing has been achieved and there are no longer any legally prescribed retention obligations to uphold.

Here you will find information on how we handle your personal data when you visit our website. In order to provide the functions and services of our website, it is necessary for us to collect personal data about you.

We also explain to you the type and scope of the respective data processing, the purpose and the corresponding legal basis and the respective storage period.

2. Responsible body

Responsible for the processing of personal data on this website and for our app is (see imprint): Zakwan Koussa, Albert-Einstein-Str. 5, 85375 Neufahrn b. Freising, phone: +49 (0)176 250 706 64, email: info@moneyatneed.com

3. The collection of personal data concerning you

(1) When you use our app, we collect personal data about you.

(2) Personal data is any data that relates to you personally (see above under General). For example, your name, location data, IP address, device ID, SIM card number, address and e-mail address are personal data, your fingerprint, pictures, films, audio recordings, but also your user behaviour falls into this category.

4. Legal bases of data processing

(1) In principle, any processing of personal data is prohibited by law and only permitted if the data processing falls under one of the following justifications:

• Art. 6 para. 1 sentence 1 lit. a DS-GVO (“consent”): Where the data subject has voluntarily, in an informed manner and unambiguously indicated by a statement or other unambiguous affirmative act that he or she consents to the processing of personal data relating to him or her for one or more specified purposes;
• Art. 6 para. 1 p. 1 lit. b DS-GVO: If the processing is necessary for the performance of a contract to which the data subject is party or for the implementation of pre-contractual measures taken at the request of the data subject;
• Art. 6 para. 1 p. 1 lit. c DS-GVO: If processing is necessary for compliance with a legal obligation to which the controller is subject (e.g. a legal obligation to keep records);
• Art. 5 para. 1 p. 1 lit. d DS-GVO: If the processing is necessary to protect the vital interests of the data subject or another natural person;
• Art. 6 para. 1 p. 1 lit. e DS-GVO: Where processing is necessary for the performance of a task carried out in the public interest or in the exercise of official authority vested in the controller, or
• Art. 6 para. 1 p. 1 lit. f DS-GVO (“Legitimate Interests”): Where processing is necessary to protect legitimate (in particular legal or economic) interests of the controller or a third party, unless the conflicting interests or rights of the data subject override (in particular where the data subject is a minor).

(2) For the processing operations carried out by us, we indicate below the applicable legal basis in each case. A processing operation may also be based on several legal bases.

5. The data collected during the download

(1) When downloading this app, certain personal data required for this purpose will be transmitted to the corresponding app store (e.g. Apple App Store or Google Play).

(2) In particular, the email address, the username, the customer number of the downloading account, the individual device identification number, payment information and the time of the download will be transmitted to the App Store during the download.

(3) We have no influence on the collection and processing of this data, which is carried out exclusively by the App Store selected by you. Accordingly, we are not responsible for this collection and processing; the responsibility for this lies solely with the App Store.

6. Data collected during use

(1) We can only provide you with the benefits of our app if we collect certain personal data about you that is required for the operation of the app.

(2) We only collect this data if this is necessary for the performance of the contract between you and us (Art. 6 para. 1 lit. b DS-GVO). Furthermore, we collect this data if this is necessary for the functionality of the app and your interest in the protection of your personal data does not outweigh this (Art. 6 para. 1 lit. f DS-GVO).

(3) We collect and process the following data from you:

à Device information: Access data includes the IP address, device ID, device type, device-specific settings and app settings as well as app properties, the date and time of the retrieval, time zone, the amount of data transferred and the message whether the data exchange was complete, app crash, browser type and operating system. This access data is processed to enable the technical operation of the app.

• Data that you make available to us: To use the app, you need to create a user account. To do this, you must at least enter your login name.
• We process other information (e.g. GPS location data) if you allow us to do so.
• Contact form data: When contact forms are used, the data transmitted through them are processed (e.g. gender, surname and first name, address, company, e-mail address and the time of transmission).

7. Use of cookies

(1) We use cookies when operating our app. Cookies are small text files that are stored on the device memory of your mobile end device and assigned to the mobile app you are using and through which certain information flows to the body that sets the cookie. Cookies cannot execute programs or transfer viruses to your computer and therefore cannot cause any damage. They serve to make our app more user-friendly and effective overall, i.e. more pleasant for you.

(2) Cookies may contain data that make it possible to recognise the device used. In some cases, however, cookies only contain information on certain settings that are not personally identifiable. However, cookies cannot directly identify a user.

(3) A distinction is made between session cookies, which are deleted as soon as you close your browser, and permanent cookies, which are stored beyond the individual session. With regard to their function, a distinction is made between cookies:

• Technical cookies: these are mandatory to move around within the app, to use basic functions and to ensure the security of the app; they do not collect information about you for marketing purposes nor do they store which websites you have visited;
• Performance Cookies: These collect information about how you use our app, which pages you visit and for example whether errors occur when using the app; they do not collect information that could identify you – all information collected is anonymous and is only used to improve our app and find out what interests our users;
• Advertising cookies    , targeting cookies: These are used to offer the app user tailored advertising within the app or third-party offers and to measure the effectiveness of these offers; advertising and targeting cookies are stored for a maximum of 13 months;
• Sharing           cookies: These are used to improve the interactivity of our app with other services (e.g. social networks); sharing cookies are stored for a maximum of 13 months.

(4) Any use of cookies that is not absolutely technically necessary constitutes data processing that is only permitted with your explicit and active consent pursuant to Art. 6 (1) sentence 1 lit. a DS-GVO. This applies in particular to the use of advertising, targeting or sharing cookies. Furthermore, we will only pass on your personal data processed by cookies to third parties if you have given your express consent to do so in accordance with Art. 6 (1) sentence 1 lit. a DS-GVO.

8. Data storage period

(1) We delete your personal data as soon as they are no longer required for the purposes for which we collected or used them. As a rule, we store your personal data for the duration of the usage or contractual relationship via the app. In principle, your data is only stored on our servers in Germany, subject to a possible transfer to third parties.

(2) However, storage may take place beyond the specified time in the event of a (threatened) legal dispute with you or other legal proceedings.

(3) Third parties engaged by us will store your data on their system for as long as is necessary in connection with the provision of the service for us in accordance with the respective order.

(4) Legal requirements for the storage and deletion of personal data remain unaffected by the above (e.g. § 257 HGB or § 147 AO). If the storage period prescribed by the legal regulations expires, the personal data will be blocked or deleted unless further storage by us is necessary and there is a legal basis for this.

9. Data security

(1) We use appropriate technical and organisational security measures to protect your data against accidental or intentional manipulation, partial or complete loss, destruction or against unauthorised access by third parties, taking into account the state of the art, the implementation costs and the nature, scope, context and purpose of the processing, as well as the existing risks of a data breach (including its probability and impact) for the data subject. Our security measures are continuously improved in line with technological developments.

(2) We will be happy to provide you with more detailed information on request. Please contact our data protection officer.

10. Data collection when contacting us

(1) If you contact us by e-mail or via a contact form, your e-mail address, name and all other personal data that you have provided in the course of contacting us will be stored by us so that we can contact you to answer your question.

(2) We delete this data as soon as storage is no longer necessary. If there are legal retention periods, the data remain stored but we restrict the processing.

11. Commissioned data processing

(1) It may happen that commissioned service providers are used for individual functions of our app. As with any larger company, we also use external domestic and foreign service providers to process our business transactions (e.g. for the areas of IT, logistics, telecommunications, sales and marketing). These service providers only act on our instructions and are contractually obliged to comply with the data protection provisions in accordance with Article 28 of the Data Protection Regulation.

(2) The following categories of recipients, which are usually processors, may receive access to your personal data:

• The legal basis for the transfer of data is then Art. 6 para. 1 sentence 1 lit. b or lit. f of the German        Data Protection Act (DS-GVO), insofar as this does not involve a commissioned processor. The       legal basis for the transfer is then Art. 6 para. 1 sentence 1 lit. b or lit. f DS-GVO, insofar as it does not involve order processors;
• Government   agencies/authorities, insofar as this is necessary for the fulfilment of a legal obligation. The legal basis for the disclosure is then Art. 6 para. 1 p. 1 lit. c DS-GVO;
• Persons appointed to carry out our business operations (e.g. auditors, banks, insurance companies, legal advisors, supervisory authorities, parties involved in company acquisitions or the establishment of joint ventures).       The legal basis for the disclosure is then Art. 6 para. 1 sentence 1 lit. b or lit. f DS-GVO.

(3) Furthermore, we will only pass on your personal data to third parties if you have given your express consent to do so in accordance with Art. 6 para. 1 p. 1 lit. a DS-GVO.

(4) Insofar as personal data from you is passed on by us to our subsidiaries or is passed on to us by our subsidiaries (e.g. for advertising purposes), this is done on the basis of existing order processing relationships.

12. Legal obligation to transmit certain data

We may, under certain circumstances, be subject to a specific legal or statutory obligation to make the lawfully processed personal data available to third parties, in particular public bodies (Art. 6 para. 1 p. 1 lit. c DS-GVO).

13. Your rights

Here you will find your rights in relation to your personal data. Details can be found in Articles 7, 15-22 and 77 of the GDPR.

Right to revoke your data protection consent according to Art. 7 para. 3 p. 1 DS-GVO

You can revoke your consent to the processing of your personal data at any time with effect for the future. However, the lawfulness of the processing carried out until the revocation is not affected by this.

a) Right to information according to Art. 15 DS-GVO
You have the right to request confirmation as to whether we are processing personal data relating to you. If this is the case, you have the right to be informed about this personal data and to receive further information, e.g. the purposes of processing, the categories of personal data processed, the recipients and the planned duration of storage or the criteria for determining the duration.

b) Right to rectification and completion according to Art. 16 DS-GVO
You have the right to request the rectification of inaccurate data without delay. Taking into account the purposes of the processing, you have the right to request the completion of incomplete data.

c) Right to erasure (“right to be forgotten”) according to Art. 17 DS-GVO
You have a right to erasure insofar as the processing is no longer necessary.
 This is the case, for example, if your data is no longer necessary for the original purposes, you have revoked your declaration of consent under data protection law or the data was processed unlawfully.

d) Right to restriction of processing according to Art. 18 DS-GVO
You have a right to restrict processing, e.g. if you believe the personal data is inaccurate.

e) Right to data portability according to Art. 20 DS-GVO
You have the right to receive the personal data concerning you in a structured, common and machine-readable format.

f) Right of objection according to Art. 21 DS-GVO
You have the right to object at any time, on grounds relating to your particular situation, to the processing of certain personal data concerning you. 
   
In the event of direct marketing, you as the data subject have the right to object at any time to the processing of personal data concerning you for the purposes of such marketing; this also applies to profiling insofar as it is related to such direct marketing.

g) Automated decision in individual cases including profiling according to Art. 22 DS-GVO
You have the right not to be subject to a decision based solely on automated processing, including profiling, except in the exceptional circumstances mentioned in Article 22 of the GDPR.

Decision-making based exclusively on automated processing – including profiling – does not take place.

h) Complaint to a data protection supervisory authority pursuant to Art. 77 DS-GVO
You can also lodge a complaint with a data protection supervisory authority at any time, for example if you believe that the data processing does not comply with data protection regulations.