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Privacy Policy

1. Privacy at a Glance

General Information

The following information provides a brief overview of what happens to your personal data when you visit this website. Personal data refers to any information that can be used to personally identify you. For detailed information on data protection, please refer to our Privacy Policy listed below.

Data Collection on This Website

Who is responsible for data collection on this website?

Data processing on this website is carried out by the website operator. You can find the operator’s contact information in the “Information on the Data Controller” section of this Privacy Policy.

How do we collect your data?

Your data is collected, in part, because you provide it to us. This may include, for example, data that you enter into a contact form.

Other data is collected automatically or with your consent when you visit the website through our IT systems. This primarily consists of technical data (e.g., internet browser, operating system, or time of page view). This data is collected automatically as soon as you access this website.

What do we use your data for?

Some of the data is collected to ensure that the website functions properly. Other data may be used to analyze your user behavior.

What rights do you have regarding your data?

You have the right at any time to obtain, free of charge, information about the source, recipients, and purpose of your stored personal data. You also have the right to request the correction or deletion of this data. If you have given consent to the processing of your data, you may withdraw this consent at any time with future effect. In addition, you have the right to request the restriction of the processing of your personal data under certain circumstances. Furthermore, you have the right to file a complaint with the competent supervisory authority.

Please feel free to contact us at any time regarding this matter or any other questions you may have about data protection.

Analytics tools and third-party tools

When you visit this website, your browsing behavior may be analyzed for statistical purposes. This is primarily done using so-called analytics tools.

You can find detailed information about these analytics programs in the following privacy policy.

2. Hosting

We host our website's content with the following provider:

Hetzner

The provider is Hetzner Online GmbH, Industriestr. 25, 91710 Gunzenhausen (hereinafter “Hetzner”).

For more details, please refer to Hetzner's Privacy Policy: https://www.hetzner.com/de/rechtliches/datenschutz.

The use of Hetzner is based on Article 6(1)(f) of the GDPR. We have a legitimate interest in ensuring that our website is displayed as reliably as possible. If consent has been requested, processing is carried out exclusively on the basis of Article 6(1)(a) of the GDPR and Section 25(1) of the TTDSG, insofar as the consent covers the storage of cookies or access to information on the user’s device (e.g., device fingerprinting) within the meaning of the TTDSG. Consent may be revoked at any time.

Order Processing

We have entered into a Data Processing Agreement (DPA) for the use of the aforementioned service. This is a contract required under data protection law that ensures the service provider processes the personal data of our website visitors only in accordance with our instructions and in compliance with the GDPR.

3. General Information and Mandatory Disclosures

Privacy Policy

The operators of this website take the protection of your personal data very seriously. We treat your personal data confidentially and in accordance with applicable data protection laws and this Privacy Policy.

When you use this website, various types of personal data are collected. Personal data is information that can be used to identify you personally. This Privacy Policy explains what data we collect and how we use it. It also explains how and for what purpose this is done.

Please note that data transmission over the Internet (e.g., when communicating via email) may be subject to security risks. It is not possible to completely protect data from access by third parties.

Information about the responsible entity

The entity responsible for data processing on this website is:

Invest4Kids GmbH, Fabrikstraße 7, 24103 Kiel

Phone: +49 123 456789
Email: info@invest4kids.de

The controller is the natural or legal person who, alone or jointly with others, determines the purposes and means of the processing of personal data (e.g., names, email addresses, etc.).

Retention period

Unless a more specific retention period is stated in this Privacy Policy, we will retain your personal data until the purpose of the data processing no longer applies. If you submit a valid request for deletion or revoke your consent to data processing, your data will be deleted unless we have other legally permissible grounds for storing your personal data (e.g., retention periods under tax or commercial law); in the latter case, the data will be deleted once these grounds no longer apply.

General Information on the Legal Basis for Data Processing on This Website

If you have consented to the processing of your data, we process your personal data on the basis of Article 6(1)(a) of the GDPR or Article 9(2)(a) of the GDPR, provided that special categories of data as defined in Article 9(1) of the GDPR are being processed. In the event of explicit consent to the transfer of personal data to third countries, data processing is also carried out on the basis of Article 49(1)(a) of the GDPR. If you have consented to the storage of cookies or to access to information on your device (e.g., via device fingerprinting), data processing is additionally carried out on the basis of Section 25(1) of the German Teleservices Data Protection Act (TTDSG). Consent may be revoked at any time. If your data is necessary for the performance of a contract or for the implementation of pre-contractual measures, we process your data on the basis of Article 6(1)(b) of the GDPR. Furthermore, we process your data if it is necessary to comply with a legal obligation on the basis of Article 6(1)(c) of the GDPR. Data processing may also be carried out on the basis of our legitimate interest pursuant to Article 6(1)(f) of the GDPR. The legal bases applicable in each individual case are described in the following sections of this Privacy Policy.

Recipients of personal data

As part of our business operations, we collaborate with various external parties. In some cases, this requires the transfer of personal data to these external parties. We only disclose personal data to external parties if this is necessary for the performance of a contract, if we are legally obligated to do so (e.g., disclosure of data to tax authorities), if we have a legitimate interest in the disclosure pursuant to Article 6(1)(f) of the GDPR, or if another legal basis permits the disclosure of data. When using data processors, we only transfer our customers’ personal data on the basis of a valid data processing agreement. In the case of joint processing, a joint processing agreement is concluded.

Withdrawal of Your Consent to Data Processing

Many data processing operations are only possible with your explicit consent. You may withdraw any consent you have already given at any time. The lawfulness of the data processing carried out prior to the withdrawal remains unaffected by the withdrawal.

Right to object to data collection in specific cases and to direct marketing (Art. 21 GDPR)

You have the right to object at any time, on grounds relating to your particular situation, to the processing of your personal data. This also applies to profiling based on these provisions. The specific legal basis on which processing is based can be found in this Privacy Policy.
If you object, we will no longer process your personal data in question unless we can demonstrate compelling legitimate grounds for the processing that override your interests, rights, and freedoms, or the processing is necessary for the establishment, exercise, or defense of legal claims (objection pursuant to Art. 21(1) GDPR).

If your personal data is processed for the purpose of direct marketing, you have the right to object at any time to the processing of your personal data for such marketing purposes. This also applies to profiling, insofar as it is related to such direct marketing.If you object, your personal data will no longer be used for direct marketing purposes (objection pursuant to Art. 21(2) GDPR).

Right to file a complaint with the competent supervisory authority

In the event of a breach of the GDPR, data subjects have the right to lodge a complaint with a supervisory authority, in particular in the Member State of their habitual residence, their place of work, or the place where the alleged breach occurred. This right to lodge a complaint is without prejudice to any other administrative or judicial remedies.

Right to data portability

You have the right to receive data that we process automatically based on your consent or in fulfillment of a contract, either directly or through a third party, in a commonly used, machine-readable format. If you request that the data be transferred directly to another controller, this will only be done to the extent that it is technically feasible.

Access, Correction, and Deletion

In accordance with applicable legal provisions, you have the right at any time to request, free of charge, information about your stored personal data, its source and recipients, and the purpose of the data processing, as well as the right to have this data corrected or deleted, if applicable. You may contact us at any time regarding this matter or any other questions you may have about personal data.

Right to restriction of processing

You have the right to request that the processing of your personal data be restricted. You may contact us at any time to do so. The right to restriction of processing applies in the following cases:

  • If you dispute the accuracy of your personal data stored by us, we generally need time to verify this. For the duration of the verification process, you have the right to request that the processing of your personal data be restricted.
  • If the processing of your personal data was or is unlawful, you may request that the processing be restricted instead of having the data erased.
  • If we no longer need your personal data, but you need it to exercise, defend, or assert legal claims, you have the right to request that the processing of your personal data be restricted instead of deleted.
  • If you have lodged an objection under Article 21(1) of the GDPR, a balancing of your interests against ours must be carried out. Until it is determined whose interests prevail, you have the right to request that the processing of your personal data be restricted.

If you have restricted the processing of your personal data, such data may—apart from storage—be processed only with your consent, or for the purpose of establishing, exercising, or defending legal claims, or to protect the rights of another natural or legal person, or for reasons of an important public interest of the European Union or a Member State.

4. Data Collection on This Website

Cookies

Our website uses so-called “cookies.” Cookies are small data packets that do not cause any harm to your device. They are stored on your device either temporarily for the duration of a session (session cookies) or permanently (persistent cookies). Session cookies are automatically deleted at the end of your visit. Persistent cookies remain stored on your device until you delete them yourself or your web browser automatically deletes them.

Cookies may be set by us (first-party cookies) or by third-party companies (so-called third-party cookies). Third-party cookies enable the integration of certain third-party services into websites (e.g., cookies used to process payment transactions).

Cookies serve various purposes. Many cookies are technically necessary, as certain website features would not work without them (e.g., the shopping cart feature or the display of videos). Other cookies may be used to analyze user behavior or for advertising purposes.

Cookies that are necessary for the execution of the electronic communication process, for providing certain functions you have requested (e.g., the shopping cart function), or for optimizing the website (e.g., cookies for measuring website traffic) (necessary cookies), are stored on the basis of Art. 6(1)(f) GDPR, unless another legal basis is specified. The website operator has a legitimate interest in storing necessary cookies to ensure the technically flawless and optimized provision of its services. If consent to the storage of cookies and comparable recognition technologies has been requested, processing is carried out exclusively on the basis of this consent (Art. 6(1)(a) GDPR and § 25(1) TTDSG); consent may be revoked at any time.

You can configure your browser to notify you when cookies are set and to allow cookies only on a case-by-case basis, to block cookies in certain cases or generally, and to enable the automatic deletion of cookies when you close your browser. Disabling cookies may limit the functionality of this website.

You can find out which cookies and services are used on this website in this Privacy Policy.

5. Analytics Tools and Advertising

Google Analytics

This website uses features of the web analytics service Google Analytics. The provider is Google Ireland Limited (“Google”), Gordon House, Barrow Street, Dublin 4, Ireland.

Google Analytics allows website operators to analyze the behavior of website visitors. In doing so, website operators receive various usage data, such as page views, time spent on the site, operating systems used, and the user’s location. This data is aggregated into a user ID and assigned to the website visitor’s respective device.

In addition, we use Google Analytics to track your mouse and scroll movements, clicks, and other actions. Google Analytics also uses various modeling techniques to supplement the collected data and employs machine learning technologies in its data analysis.

Google Analytics uses technologies that enable user recognition for the purpose of analyzing user behavior (e.g., cookies or device fingerprinting). The information collected by Google regarding the use of this website is generally transmitted to a Google server in the United States and stored there.

Use of this service is based on your consent pursuant to Article 6(1)(a) of the GDPR and Section 25(1) of the TTDSG. You may withdraw your consent at any time.

Data transfers to the United States are based on the European Commission’s standard contractual clauses. For more details, please click here: https://privacy.google.com/businesses/controllerterms/mccs/.

The company is certified under the “EU-US Data Privacy Framework” (DPF). The DPF is an agreement between the European Union and the United States designed to ensure compliance with European data protection standards when processing data in the United States. Every company certified under the DPF commits to complying with these data protection standards. For more information, please visit the provider’s website at the following link: https://www.dataprivacyframework.gov/s/participant-search/participant-detail?contact=true&id;=a2zt000000001L5AAI&status;=Active

IP anonymization

Google Analytics IP anonymization is enabled. This means that Google will truncate your IP address within member states of the European Union or in other signatory states to the Agreement on the European Economic Area before transmitting it to the United States. Only in exceptional cases will the full IP address be transmitted to a Google server in the United States and truncated there. On behalf of the operator of this website, Google will use this information to evaluate your use of the website, to compile reports on website activity, and to provide other services related to website and internet usage to the website operator. The IP address transmitted by your browser as part of Google Analytics will not be merged with other Google data.

Browser plugin

You can prevent Google from collecting and processing your data by downloading and installing the browser plugin available at the following link: https://tools.google.com/dlpage/gaoptout?hl=de.

For more information on how Google Analytics handles user data, please see Google's Privacy Policy: https://support.google.com/analytics/answer/6004245?hl=de.

Mouseflow

This website uses Mouseflow, a web analytics tool provided by Mouseflow ApS, Flaesketorvet 68, 1711 Copenhagen, Denmark.

Mouseflow records randomly selected individual visits (using only anonymized IP addresses). This creates a log of mouse movements, mouse clicks, and keyboard interactions with the aim of playing back individual website visits on a random basis and deriving potential improvements for the website from them. The collected data is not personally identifiable and is not shared with third parties. The storage and processing of the collected data takes place within the EU.

Use of this service is based on your consent pursuant to Article 6(1)(a) of the GDPR and Section 25(1) of the TTDSG. You may withdraw your consent at any time.

If you do not wish to be tracked, you can disable tracking globally for the browser you are currently using on all websites that use Mouseflow by clicking the following link: https://mouseflow.de/opt-out/

For more information about Mouseflow's privacy and data security policies, please click here: https://mouseflow.com/privacy/.

JotForm

This website uses JotForm, a service provided by JotForm Inc., 111 Pine St., Suite 1815, San Francisco, CA 94111, USA, to create and manage online forms.

The forms are used to generate leads, and they collect personal data such as your name, email address, and phone number. This information is used to contact you and process your request.

Use of this service is based on your consent pursuant to Article 6(1)(a) of the GDPR and Section 25(1) of the TTDSG. You may withdraw your consent at any time.

JotForm stores and processes your data on servers both within and outside the EU. For more information about JotForm’s privacy practices, please visit: https://www.jotform.com/privacy/.

The company is certified under the “EU-US Data Privacy Framework” (DPF). The DPF is an agreement between the European Union and the United States designed to ensure compliance with European data protection standards when processing data in the United States. Every company certified under the DPF commits to complying with these data protection standards. For more information, please visit the provider’s website at the following link: https://www.dataprivacyframework.gov/s/participant-search/participant-detail?contact=true&id;=a2zt0000000TNlNAAW&status;=Active.

6. Plugins and Tools

YouTube with enhanced privacy settings

This website embeds videos from YouTube. The website is operated by Google Ireland Limited (“Google”), Gordon House, Barrow Street, Dublin 4, Ireland.

When you visit one of these websites that includes YouTube, a connection is established with YouTube’s servers. In the process, the YouTube server is informed which of our pages you have visited. If you are logged into your YouTube account, you allow YouTube to associate your browsing activity directly with your personal profile. You can prevent this by logging out of your YouTube account.

We use YouTube in enhanced privacy mode. According to YouTube, videos played in enhanced privacy mode are not used to personalize the user’s YouTube experience. Ads displayed in enhanced privacy mode are also not personalized. No cookies are set in enhanced privacy mode. Instead, however, so-called local storage elements are stored in the user’s browser; these contain personal data similar to cookies and can be used for recognition purposes. Details about enhanced privacy mode can be found here: https://support.google.com/youtube/answer/171780.

In some cases, playing a YouTube video may trigger additional data processing operations over which we have no control.

We use YouTube to ensure that our online content is presented in an appealing manner. This constitutes a legitimate interest within the meaning of Article 6(1)(f) of the GDPR. If consent has been obtained, processing is carried out exclusively on the basis of Article 6(1)(a) of the GDPR and Section 25(1) of the TTDSG, insofar as the consent covers the storage of cookies or access to information on the user’s device (e.g., device fingerprinting) within the meaning of the TTDSG. Consent may be revoked at any time.

For more information about data protection on YouTube, please see their Privacy Policy at: https://policies.google.com/privacy?hl=de.

The company is certified under the “EU-US Data Privacy Framework” (DPF). The DPF is an agreement between the European Union and the United States designed to ensure compliance with European data protection standards when processing data in the United States. Every company certified under the DPF commits to complying with these data protection standards. For more information, please visit the provider’s website at the following link: https://www.dataprivacyframework.gov/s/participant-search/participant-detail?contact=true&id;=a2zt000000001L5AAI&status;=Active.

Google Fonts

This site uses Google Fonts, provided by Google, to ensure consistent font display. When you visit a page, your browser loads the necessary fonts into its cache to display text and fonts correctly.

To this end, the browser you are using must establish a connection to Google’s servers. As a result, Google becomes aware that this website has been accessed via your IP address. The use of Google Fonts is based on Article 6(1)(f) of the GDPR. The website operator has a legitimate interest in ensuring a consistent font appearance on its website. If consent has been requested, processing is carried out exclusively on the basis of Article 6(1)(a) of the GDPR and Section 25(1) of the TTDSG, insofar as the consent covers the storage of cookies or access to information on the user’s device (e.g., device fingerprinting) within the meaning of the TTDSG. Consent may be revoked at any time.

If your browser does not support Google Fonts, a default font from your computer will be used.

For more information about Google Fonts, visit https://developers.google.com/fonts/faq and in Google's Privacy Policy: https://policies.google.com/privacy?hl=de.

The company is certified under the “EU-US Data Privacy Framework” (DPF). The DPF is an agreement between the European Union and the United States designed to ensure compliance with European data protection standards when processing data in the United States. Every company certified under the DPF commits to complying with these data protection standards. For more information, please visit the provider’s website at the following link: https://www.dataprivacyframework.gov/s/participant-search/participant-detail?contact=true&id;=a2zt000000001L5AAI&status;=Active.

Google reCAPTCHA

We use “Google reCAPTCHA” (hereinafter “reCAPTCHA”) on this website. The provider is Google Ireland Limited (“Google”), Gordon House, Barrow Street, Dublin 4, Ireland.

reCAPTCHA is used to verify whether data entry on this website (e.g., in a contact form) is performed by a human or by an automated program. To do this, reCAPTCHA analyzes the website visitor’s behavior based on various characteristics. This analysis begins automatically as soon as the website visitor enters the website. For the analysis, reCAPTCHA evaluates various pieces of information (e.g., IP address, the duration of the website visitor’s stay on the website, or mouse movements made by the user). The data collected during the analysis is forwarded to Google.

The reCAPTCHA analyses run entirely in the background. Website visitors are not notified that an analysis is taking place.

The storage and analysis of data are based on Article 6(1)(f) of the GDPR. The website operator has a legitimate interest in protecting its web offerings from abusive automated scanning and spam. If consent has been obtained, processing is carried out exclusively on the basis of Article 6(1)(a) of the GDPR and Section 25(1) of the TTDSG, insofar as the consent covers the storage of cookies or access to information on the user’s device (e.g., device fingerprinting) within the meaning of the TTDSG. Consent may be revoked at any time.

For more information about Google reCAPTCHA, please refer to Google’s Privacy Policy and Terms of Service at the following links: https://policies.google.com/privacy?hl=de and https://policies.google.com/terms?hl=de.

7. Custom-developed plugins and integrations

Internal Tools and Services

Our website uses internally developed plugins and integrations to enhance the user experience and data security. These tools do not collect or process personal data for any purpose other than those specified in this Privacy Policy.

8. Whistleblower Program

Automatic enrollment

Once the contract is signed, we automatically enroll our customers in our referral program to provide them with a personalized referral link.

What data is processed?
  • Name
  • Email address
Purpose of processing
  • Creating and managing your personal referral link
  • Processing of recommendations and bonus payments
Legal basis

The processing is based on Article 6(1)(f) of the GDPR (legitimate interest in customer retention and referral marketing).

service provider

We use the software “Referral Rock” (Referral Rock Inc., headquartered in the U.S.) to handle the technical aspects of this process. The data mentioned above is used exclusively to generate and manage the referral link.
If data is transferred to the U.S., this is done in accordance with the current EU Standard Contractual Clauses or the EU-U.S. Data Privacy Framework to ensure an adequate level of data protection.

Voluntary Participation & Objection

Participation in the referral program is voluntary. Active use of the link is not required. Customers may opt out at any time. In this case, the data will be deleted immediately.

9. WhatsApp Communication and WhatsApp Chatbot

The controller named in this Privacy Policy is responsible for the processing of data in connection with WhatsApp communications.

9.1 General Information on Using WhatsApp

We use WhatsApp for customer communication, to send updates and special offers, and for customer support. We also offer a WhatsApp chatbot for certain events or services.

The service is provided via the official WhatsApp Business API in conjunction with the technology provider Superchat (SuperX GmbH, Prenzlauer Allee 242-247, 10405 Berlin, Germany, hereinafter referred to as “Superchat”).

Primary data processing takes place on servers located in Frankfurt am Main, Germany, ensuring that processing occurs within the EU and in accordance with the standards of the General Data Protection Regulation (GDPR). A link to the privacy policy is included in the description on the WhatsApp profile.

9.2 Categories of Data Processed

When you use our WhatsApp chatbot and WhatsApp services, we process the following personal data:

  • Your phone number
  • Your WhatsApp profile name
  • Your first name (if available)
  • Your communication and interaction data in the chat
  • Your clicking behavior within the chat
  • Publicly available information from your social media profiles (if applicable)
  • Your browsing activity on our website
  • Other information you provide during the chat interaction
  • Technical log data (e.g., IP address, browser used, etc.)

For more information about WhatsApp's data processing practices, please see WhatsApp's Privacy Policy at: https://www.whatsapp.com/legal/#privacy-policy.

9.3 Legal Basis for Data Processing

The processing of your personal data is based on different legal grounds depending on the context:

Art. 6(1)(a) GDPR – Consent:
If we process your data to send you information or marketing communications via WhatsApp, we will do so only with your explicit consent. You can give your consent via the chat by selecting the “START” button. You can withdraw your consent at any time by sending “STOP” in the chat.

Art. 6(1)(b) GDPR – Performance of a contract or taking steps to enter into a contract:
If you use WhatsApp for customer service or contract processing (e.g., for support requests or order processing), your data is processed for the purpose of fulfilling a contract or taking steps prior to entering into a contract.

Art. 6(1)(f) GDPR – Legitimate interests:
In certain cases, processing may be based on our legitimate interest in effective customer communication. This applies, for example, when we analyze how our chatbot is used in order to improve it.

Section 25(1) of the TTDSG – Consent for cookies or access to end devices:
If the processing involves tracking technologies such as cookies or device fingerprinting, this will only take place with your separate consent in accordance with Section 25(1) of the TTDSG. You may revoke this consent at any time.

9.4 Retention Period and Data Deletion

We store your data only for as long as is necessary for the respective processing purposes:

  • If you withdraw your consent (by typing “STOP” in the chat), your personal data will no longer be used for the WhatsApp service and will be anonymized.
  • Communication records are deleted after 12 months at the latest, unless there is a legal obligation to retain them.
  • If the data is necessary for contract processing, it will be stored in accordance with the statutory retention periods, in particular Section 147 of the German Fiscal Code (AO) (6 years) or Section 257 of the German Commercial Code (HGB) (10 years).

9.5 Data Disclosure and Potential Transfers to Third Countries

Your phone number and communication data will be shared with the following companies when you use WhatsApp:

9.5.1 Processing within the EU (Germany)

Your data is primarily processed on servers in Frankfurt am Main, Germany, which are hosted by Superchat. This means that your data is processed within the EU and is subject to the strict data protection requirements of the GDPR.

9.5.2 Possible transfer to third countries (in particular the United States)

Although the primary processing takes place within the EU, data may be transferred to third countries (in particular the United States) in the following cases:

  • Support requests or system maintenance by Superchat, Inc.: If technical support from Superchat is required, Superchat, Inc. employees in the United States may access personal data.
  • Data transfer via WhatsApp to Meta (U.S.): WhatsApp Ireland Limited processes data within the EU, but may transfer data to Meta Platforms, Inc. (U.S.).

9.5.3 Data Protection Measures for Transfers to Third Countries

If data is transferred to the United States, the following safeguards are in place:

  • EU-US Data Privacy Framework: Superchat participates in the EU-US Data Privacy Framework, which is designed to ensure an adequate level of data protection.
  • EU Standard Contractual Clauses (SCCs): Superchat and WhatsApp use the European Commission’s standard contractual clauses to ensure a level of data protection that complies with the GDPR.

9.6 Withdrawal and Data Subject Rights

You have the right to:

  • To withdraw your consent at any time (by typing “STOP” in the chat or by emailing info@invest4kids.de)
  • To obtain information about your stored data in accordance with Article 15 of the GDPR
  • To request the rectification of inaccurate data in accordance with Article 16 of the GDPR
  • To request the erasure of your data in accordance with Article 17 of the GDPR, provided that there are no legal obligations to retain the data
  • To request the restriction of processing pursuant to Article 18 of the GDPR
  • To object to data processing under Article 21 of the GDPR if it is based on our legitimate interest

You can send inquiries regarding your data protection rights to the following email address: info@invest4kids.de.

9.7 Changes to this section

We reserve the right to update this section of the Privacy Policy at any time to reflect new legal requirements or changes to our WhatsApp services. You can find the most current version at the bottom of the Privacy Policy on our website.

10. Changes to this Privacy Policy

We reserve the right to update this Privacy Policy from time to time to ensure that it remains in compliance with current legal requirements or to reflect changes to our services. The updated Privacy Policy will then apply to your next visit.