Legal Notice
ProVerbraucher
Königstraße 87
90402 Nuremberg
Website: www.finanzkompass.tips
Email: info@pro-verbraucher.com
Managing Director: Philipp Dostal
Registered in the Commercial Register Nuremberg under number 28481
VAT ID: DE 282845405
For out-of-court settlement of consumer disputes, the European Union provides an online platform (“ODR platform”) available at https://ec.europa.eu/consumers/odr.
The responsible legal entity can be found following the privacy notices.
Affiliate Programs
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Privacy Policy
As of February 2021
We take the protection of your privacy when visiting the website www.finanzkompass.tips very seriously.
1. Scope
The following privacy notices apply to the visited website www.finanzkompass.tips.
On www.finanzkompass.tips, you can find information about products and services of our advertising partners.
This website contains links to third-party websites (external links). These websites are subject to the liability of the respective operators. Should you notice that links on our websites refer to internet pages whose content violates applicable law, please notify us at info@adojo.de.
We will then promptly remove these links from our website. The providers assume no liability for the timeliness, correctness, completeness, or quality of the information provided.
2. Responsible Entity
The entity responsible for data processing on the website www.finanzkompass.tips is
ProVerbraucher
Königstraße 87
90402 Nuremberg
Tel.: 0911/24 030 050
Email: info@pro-verbraucher.com
If www.finanzkompass.tips refers to other internet presences, the provider of that internet presence is the data protection officer.
Detailed information on data processing when visiting the website can be found under „Visiting the Website.“
3. Contact for Data Protection
Please contact us with any data protection questions at info@adojo.de.
4. Your Rights / Complaint Possibility
Under the EU General Data Protection Regulation (GDPR), you can assert the following rights with the responsible entity:
If you have consented to processing (Art. 6 para. 1 lit. a or Art. 9 para. 2 lit. a), you have the right to withdraw your consent at any time. The legality of the processing carried out based on consent until revocation is not affected by the revocation.
If you wish to complain, please contact the data protection officer or the data protection supervisory authority responsible for the entity.
For the responsible entity of the website www.finanzkompass.tips, the competent authority is:
Bavarian State Office for Data Protection Supervision
Promenade 18
91522 Ansbach
5. Data Protection
Pro-verbraucher.info uses up-to-date technology to secure your data.
What measures do we take to protect your data?
We take appropriate technical and organizational security precautions according to the current state of technology to protect data against accidental or intentional manipulation, loss, destruction, or unauthorized access.
In the dialogue or contact forms offered on our websites, we use SSL encryption (Secure Socket Layer encryption) to protect your information. This SSL connection protects your data during transmission from unauthorized access by third parties. For your security, please always use these dialogue forms.
If you send us data unencrypted via normal, unsecured email, there is a possibility that your data may be accessed or altered by unauthorized persons during transmission over the internet.
If you notice any irregularities, please contact us at info@adojo.de or by phone at 0911/24 030 050.
6. Visiting the Website
On our website, you can inform yourself about the products and services offered by our advertising partners without entering personal data. If data is collected without your input, this happens either on a statistically anonymous basis or you will be informed in advance and your consent will be obtained if necessary.
You can fundamentally obtain information about financial and insurance products without providing personal data. Determining the individually correct insurance contribution is carried out exclusively by our advertising partners.
6.1 Use of Cookies
The websites of adojo GmbH use cookies. Cookies are text files that are stored and saved on a computer system via an internet browser.
Numerous websites and servers use cookies. Many cookies contain a so-called cookie ID. A cookie ID is a unique identifier of the cookie. It consists of a string of characters through which internet pages and servers can be assigned to the specific internet browser in which the cookie was stored. This allows the visited internet pages and servers to distinguish the individual browser of the affected person from other internet browsers that contain other cookies. A specific internet browser can be recognized and identified using the unique cookie ID.
By using cookies, adojo GmbH can provide users of this website with more user-friendly services that would not be possible without the cookie setting.
Using a cookie, the information and offers on our website can be optimized for the user. As already mentioned, cookies allow us to recognize the users of our website. The purpose of this recognition is to make it easier for users to use our website. For example, the user of a website that uses cookies does not have to re-enter their login data each time they visit the website because this is handled by the website and the cookie stored on the user’s computer system. Another example is the cookie of a shopping cart in an online store. The online store remembers the items a customer has placed in the virtual shopping cart via a cookie.
Borlabs Cookie
This website uses Borlabs Cookie, which sets a technically necessary cookie (borlabs-cookie) to store your cookie consents. Borlabs Cookie does not process any personal data.
In the borlabs-cookie, your consents are stored, which you gave when entering the website. If you want to revoke these consents, delete the cookie in your browser. When you re-enter/reload the website, you will be asked again for your cookie consent.
a) Legal basis for data processing
The legal basis for processing personal data using technically necessary cookies is Art. 6 para. 1 lit. f GDPR.
The legal basis for processing personal data using cookies for analysis purposes is the user’s consent, Art. 6 para. 1 lit. a GDPR.
b) Purpose of data processing
The use of analysis cookies is for the purpose of improving the quality of our website and its content. Through the analysis cookies, we learn how the website is used and can thus continuously optimize our offer.
This purpose is also our legitimate interest in the processing of personal data pursuant to Art. 6 para. 1 lit. f GDPR.
c) Duration of storage, objection, and elimination possibilities
Cookies are stored on the user’s computer and transmitted to our site. Therefore, you as a user also have full control over the use of cookies.
You can configure your browser to inform you about the setting of cookies and allow cookies only in individual cases, exclude the acceptance of cookies for specific cases or generally, and enable the automatic deletion of cookies when closing the browser. Cookie settings can be managed for the respective browsers under the following links.
You can also manage cookies from many companies and functions individually, used for advertising. Use the appropriate user tools available at https://www.aboutads.info/choices/ or http://www.youronlinechoices.com/uk/your-ad-choices.
Most browsers also offer a „Do-Not-Track“ function that allows you to specify that you do not want to be „tracked“ by websites. If this feature is activated, the respective browser informs ad networks, websites, and applications that you do not want to be tracked for behavioral advertising and the like. Information and instructions on how to edit this function can be obtained depending on your browser provider under the following links:
In addition, you can generally prevent the loading of scripts. NoScript allows the execution of JavaScripts, Java, and other plugins only on trusted domains of your choice. Information and instructions on how to edit this feature can be obtained from your browser provider (e.g., for Mozilla Firefox at https://addons.mozilla.org/en/firefox/addon/noscript/).
Cookies already stored can be deleted at any time. This can also be done automatically. If cookies are disabled for our website, it may not be possible to fully use all the website’s functions.
6.2 Information according to Art. 13 GDPR
6.2.1 Taboola – Conversion Tracking
As a Taboola customer, we use Taboola Conversion Tracking, an analysis service of Taboola Germany GmbH (Alt Moabit 2, 10557 Berlin „Taboola“). A hashed (encrypted) click ID is transmitted from our server to the server of Taboola. This anonymous transmission particularly protects your privacy, as no cookies are set in your browser, nor is your IP address transmitted to Taboola.
As a Taboola customer, we learn the total number of users who clicked on one of our ads and were redirected to a page with conversion tracking. However, Taboola does not receive any personal data or information that could personally identify users.
Further information and the privacy policy of Taboola can be found at: https://www.taboola.com/policies/privacy-policy.
Taboola also offers the option to view your profile: https://www.taboola.com/policies/privacy-policy#optout.
In the profile settings, you can turn off personalized advertising from Taboola (opt-out).
Responsible entity: Taboola Germany GmbH, Alt Moabit 2, 10557 Berlin
Data processed: Encrypted click ID generated by Taboola
Purpose: The information obtained using conversion tracking serves to create conversion statistics for Taboola customers.
Storage duration at adojo GmbH: No data is stored at adojo.
6.2.2 Outbrain – Conversion Tracking
As an Outbrain customer, we use Outbrain Conversion Tracking, an analysis service of Outbrain UK Ltd. (100 Bridge Street, London EC4V 6JA United Kingdom „Outbrain“). A hashed (encrypted) click ID is transmitted from our server to the server of Outbrain. This anonymous transmission particularly protects your privacy, as no cookies are set in your browser, nor is your IP address transmitted to Outbrain.
As an Outbrain customer, we learn the total number of users who clicked on one of our ads and were redirected to a page with conversion tracking. However, we do not receive any information that could personally identify users.
Further information and the privacy policy of Outbrain can be found at: https://www.outbrain.com/legal/privacy#privacy-policy.
Outbrain also offers the option to view your profile: https://my.outbrain.com/recommendations-settings/home.
In the profile settings, you can turn off personalized advertising from Outbrain (opt-out).
Responsible entity: Outbrain UK Ltd. 100 Bridge Street, London EC4V 6JA United Kingdom
Data processed: Encrypted click ID generated by Outbrain
Purpose: The information obtained using conversion tracking serves to create conversion statistics for Outbrain customers.
Storage duration at adojo GmbH: No data is stored at adojo.
7. List of Service Providers
We work with service providers to operate the website finanzkompass.tips. You can find our list of service providers here.
8. Privacy Policy Regarding the Use of Facebook Components
The controller has integrated components of the company Facebook on this website. Facebook is a social network.
A social network is a social meeting place operated on the internet, an online community that typically allows users to communicate and interact with each other in virtual space. A social network can serve as a platform for sharing opinions and experiences or enable the internet community to provide personal or business-related information. Facebook allows users of the social network, among other things, to create private profiles, upload photos, and network via friend requests.
The operating company of Facebook is Facebook, Inc., 1 Hacker Way, Menlo Park, CA 94025, USA. If a person lives outside the USA or Canada, the controller for processing personal data is Facebook Ireland Ltd., 4 Grand Canal Square, Grand Canal Harbour, Dublin 2, Ireland.
Each time one of the individual pages of this website, which is operated by the controller and on which a Facebook component (Facebook plug-in) has been integrated, is accessed, the internet browser on the information technology system of the person concerned is automatically prompted by the respective Facebook component to download a representation of the corresponding Facebook component from Facebook. A complete overview of all Facebook plug-ins can be accessed at https://developers.facebook.com/docs/plugins/?locale=en_US. As part of this technical process, Facebook receives knowledge of which specific subpage of our website is visited by the person concerned.
If the person concerned is logged in to Facebook simultaneously, Facebook recognizes which specific subpage of our website the person concerned visits every time they access our website and for the entire duration of the respective stay on our website. This information is collected through the Facebook component and associated with the respective Facebook account of the person concerned by Facebook. If the person concerned clicks on one of the Facebook buttons integrated on our website, such as the „Like“ button, or leaves a comment, Facebook assigns this information to the personal Facebook user account of the person concerned and stores these personal data.
Facebook receives information via the Facebook component whenever the person concerned visits our website and is simultaneously logged in to Facebook; this happens regardless of whether the person concerned clicks on the Facebook component or not. If such a transmission of information to Facebook is not desired by the person concerned, this can be prevented by logging out of their Facebook account before accessing our website.
The data policy published by Facebook, available at https://en-us.facebook.com/about/privacy/, provides information on the collection, processing, and use of personal data by Facebook. It also explains the settings Facebook offers to protect the privacy of the person concerned. In addition, various applications are available that allow suppressing data transmission to Facebook. Such applications can be used by the person concerned to prevent data transmission to Facebook.
9. Privacy Policy Regarding the Use of Google Analytics (with Anonymization Function)
The controller has integrated the Google Analytics component (with anonymization function) on this website. Google Analytics is a web analytics service. Web analytics is the collection, collection, and analysis of data on the behavior of visitors to internet sites. A web analytics service collects, among other things, data on which website a person has come to a website from (so-called referrers), which subpages of the website were accessed, or how often and for what duration a subpage was viewed. Web analytics are mainly used to optimize a website and perform a cost-benefit analysis of internet advertising.
The operating company of the Google Analytics component is Google Ireland Limited, Gordon House, Barrow Street, Dublin, D04 E5W5, Ireland.
The controller uses the „_gat._anonymizeIp“ addition for web analytics via Google Analytics. This addition shortens and anonymizes the IP address of the internet connection of the person concerned by Google when accessing our internet pages from a Member State of the European Union or another contracting state to the Agreement on the European Economic Area.
The purpose of the Google Analytics component is to analyze visitor flows on our website. Among other things, Google uses the data and information obtained to evaluate the use of our website, compile online reports showing the activities on our internet pages, and provide other services related to the use of our website.
Google Analytics sets a cookie on the information technology system of the person concerned. What cookies are has already been explained above. By setting the cookie, Google is enabled to analyze the use of our website. Each time one of the individual pages of this website, which is operated by the controller and on which a Google Analytics component has been integrated, is accessed, the internet browser on the information technology system of the person concerned is automatically prompted by the respective Google Analytics component to transmit data to Google for online analysis. As part of this technical process, Google obtains knowledge of personal data, such as the IP address of the person concerned, which Google uses, among other things, to track the origin of visitors and clicks and subsequently enable commission settlements.
Using cookies, personal information such as the access time, the location from which access was made, and the frequency of visits to our website by the person concerned is stored. Each time our internet pages are visited, these personal data, including the IP address of the internet connection used by the person concerned, are transmitted to Google in the United States of America. These personal data are stored by Google in the United States of America. Google may pass on these personal data collected through the technical process to third parties.
The person concerned can prevent the setting of cookies by our website, as described above, at any time by making the appropriate setting in the internet browser used and thus permanently object to the setting of cookies. Such a setting of the used internet browser would also prevent Google from setting a cookie on the information technology system of the person concerned. In addition, a cookie already set by Google Analytics can be deleted at any time via the internet browser or other software programs.
Furthermore, the person concerned has the option of objecting to and preventing the collection of the data generated by Google Analytics relating to the use of this website and the processing of this data by Google. For this purpose, the person concerned must download and install a browser add-on at https://tools.google.com/dlpage/gaoptout. This browser add-on uses JavaScript to inform Google Analytics that no data and information about visits to internet sites may be transmitted to Google Analytics. The installation of the browser add-on is considered an objection by Google. If the information technology system of the person concerned is deleted, formatted, or reinstalled at a later date, the person concerned must reinstall the browser add-on to disable Google Analytics. If the browser add-on is uninstalled or disabled by the person concerned or another person within their sphere of control, it is possible to reinstall or reactivate the browser add-on.
Further information and Google’s applicable privacy policy can be found at https://www.google.com/intl/en/policies/privacy/ and at https://www.google.com/analytics/terms/us.html. Google Analytics is explained in more detail at https://www.google.com/analytics/.
10. Privacy Policy Regarding the Use of Google AdWords
The controller has integrated Google AdWords on this website. Google AdWords is an internet advertising service that allows advertisers to place ads in Google search engine results and the Google advertising network. Google AdWords allows an advertiser to predefine specific keywords that will display an ad in Google’s search engine results only when the user retrieves a keyword-relevant search result using the search engine. In the Google advertising network, the ads are distributed on relevant internet pages using an automatic algorithm and according to the previously defined keywords.
The operating company of the Google AdWords services is Google Ireland Limited, Gordon House, Barrow Street, Dublin, D04 E5W5, Ireland.
The purpose of Google AdWords is to advertise our website by displaying interest-relevant advertising on the websites of third-party companies and in the search engine results of the Google search engine and by displaying third-party advertising on our website.
If a person arrives at our website via a Google ad, a so-called conversion cookie is placed on the person’s information technology system by Google. What cookies are has already been explained above. A conversion cookie loses its validity after thirty days and is not used to identify the person concerned. If the cookie has not expired, the conversion cookie tracks whether certain subpages, such as the shopping cart of an online store system, were accessed on our website. Using the conversion cookie, both we and Google can track whether a person who came to our website via an AdWords ad generated a sale, i.e., completed or canceled a purchase.
The data and information collected through the use of the conversion cookie are used by Google to compile visit statistics for our website. These visit statistics are used by us to determine the total number of users who were referred to us via AdWords ads, i.e., to determine the success or failure of each AdWords ad and to optimize our AdWords ads for the future. Neither our company nor other Google AdWords advertisers receive information from Google that could identify the person concerned.
Using the conversion cookie, personal information, such as the internet pages visited by the person concerned, is stored. Each time our internet pages are visited, personal data, including the IP address of the internet connection used by the person concerned, is transmitted to Google in the United States of America. These personal data are stored by Google in the United States of America. Google may pass on these personal data collected through the technical process to third parties.
The person concerned can prevent the setting of cookies by our website, as described above, at any time by making the appropriate setting in the internet browser used and thus permanently object to the setting of cookies. Such a setting of the used internet browser would also prevent Google from setting a conversion cookie on the information technology system of the person concerned. In addition, a cookie already set by Google AdWords can be deleted at any time via the internet browser or other software programs.
Furthermore, the person concerned has the possibility to object to interest-based advertising by Google. For this purpose, the person concerned must call up the link www.google.com/settings/ads from each of the internet browsers they use and make the desired settings there.
Further information and the applicable data protection regulations of Google can be found at https://www.google.com/intl/en/policies/privacy/.
11. Use of Google Tag Manager
We use Google Tag Manager (https://www.google.com/intl/en/tagmanager/) by Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA, and its representative in the Union Google Ireland Ltd., Gordon House, Barrow Street, D04 E5W5, Dublin, Ireland (hereinafter: Google). With Google Tag Manager, tags from Google and third-party services can be managed and embedded on an online presence. Tags are small code elements on an online presence used, among other things, to measure visitor numbers and behavior, track the impact of online advertising and social channels, deploy remarketing and targeting, and test and optimize online presences. When a user visits the online presence, the current tag configuration is sent to the user’s browser. It contains instructions on which tags to trigger. Google Tag Manager ensures the triggering of other tags that may collect data. Information on this can be found in the sections on using the respective services in this privacy policy. Google Tag Manager does not access this data. Data can be transmitted to Google servers in the USA. Google has committed to complying with the standards and regulations of European data protection law under the Privacy Shield Agreement between the European Union and the USA and has been certified. Further information can be found in the following linked entry: https://www.privacyshield.gov/participant?id=a2zt000000001L5AAI&status=Active.
Further information on Google Tag Manager can be found at https://www.google.com/intl/en/tagmanager/faq.html and in Google’s privacy policy: https://policies.google.com/privacy?hl=en.
12. Privacy Policy Regarding the Use of Google Remarketing
The controller has integrated Google Remarketing services on this website. Google Remarketing is a feature of Google AdWords that allows a company to display advertising to internet users who have previously visited the company’s website. The integration of Google Remarketing allows a company to create user-related advertising and consequently display interest-relevant advertisements to internet users.
The operating company of the Google Remarketing services is Google Inc., 1600 Amphitheatre Pkwy, Mountain View, CA 94043-1351, USA.
The purpose of Google Remarketing is to display interest-relevant advertising. Google Remarketing allows us to display ads via the Google advertising network or on other internet pages tailored to the individual’s needs and interests.
Google Remarketing sets a cookie on the information technology system of the person concerned. What cookies are has already been explained above. By setting the cookie, Google is enabled to recognize the visitor of our website when they subsequently visit internet pages that are also members of the Google advertising network. Every time an internet page is accessed, on which the Google Remarketing service has been integrated, the internet browser of the person concerned automatically identifies itself to Google. As part of this technical process, Google obtains knowledge of personal data, such as the IP address or browsing behavior of the user, which Google uses, among other things, to display interest-relevant advertising.
Using cookies, personal information, such as the internet pages visited by the person concerned, is stored. Each time our internet pages are visited, these personal data, including the IP address of the internet connection used by the person concerned, are transmitted to Google in the United States of America. These personal data are stored by Google in the United States of America. Google may pass on these personal data collected through the technical process to third parties.
The person concerned can prevent the setting of cookies by our website, as described above, at any time by making the appropriate setting in the internet browser used and thus permanently object to the setting of cookies. Such a setting of the used internet browser would also prevent Google from setting a cookie on the information technology system of the person concerned. In addition, a cookie already set by Google Analytics can be deleted at any time via the internet browser or other software programs.
Furthermore, the person concerned has the option to object to interest-based advertising by Google. For this purpose, the person concerned must call up the link www.google.com/settings/ads from each of the internet browsers they use and make the desired settings there.
Further information and the applicable data protection regulations of Google can be found at https://www.google.com/intl/en/policies/privacy/.
13. Privacy Policy Regarding the Use of Instagram
The controller has integrated components of the Instagram service on this website. Instagram is a service that can be qualified as an audiovisual platform and allows users to share photos and videos and disseminate such data in other social networks.
The operating company of Instagram services is Facebook Ireland Ltd., 4 Grand Canal Square, Grand Canal Harbour, Dublin 2, Ireland.
Each time one of the individual pages of this website, which is operated by the controller and on which an Instagram component (Insta-Button) has been integrated, is accessed, the internet browser on the information technology system of the person concerned is automatically prompted by the respective Instagram component to download a representation of the corresponding component from Instagram. As part of this technical process, Instagram receives knowledge of which specific subpage of our website is visited by the person concerned.
If the person concerned is logged in to Instagram simultaneously, Instagram recognizes which specific subpage of our website the person concerned visits every time they access our website and for the entire duration of the respective stay on our website. This information is collected through the Instagram component and associated with the respective Instagram account of the person concerned by Instagram. If the person concerned clicks on one of the Instagram buttons integrated on our website, the data and information transferred with it are assigned to the personal Instagram user account of the person concerned and stored and processed by Instagram.
Instagram receives information via the Instagram component whenever the person concerned visits our website and is simultaneously logged in to Instagram; this happens regardless of whether the person concerned clicks on the Instagram component or not. If such a transmission of information to Instagram is not desired by the person concerned, this can be prevented by logging out of their Instagram account before accessing our website.
Further information and Instagram’s applicable privacy policy can be found at https://help.instagram.com/155833707900388 and https://www.instagram.com/about/legal/privacy/.
14. Reporting
We use various service providers to create reports. In individual cases, personal data of our customers are stored and processed in accordance with the provider’s data protection provisions. In relevant cases, customers may also have access to these services if necessary within the scope of a project.
Funnel Operations AB, Drottninggatan 89, 113 60 Stockholm, Sweden.
To the provider’s „Privacy Policy.“ Funnel is based in Sweden; the data is stored and processed in Sweden and the USA. Funnel operates under the provisions of the „Data Protection Laws.“ Thus, the EU’s data protection regulations apply, described in the „terms and conditions.“
We use an additional data management tool from Google Analytics – Google Data Studio – to visually create custom reports and interactive dynamic dashboards for our users.
The operating company of the Google Data Studio services is Google Inc., 1600 Amphitheatre Pkwy, Mountain View, CA 94043-1351, USA.
We use data from Google Analytics and other data sources (e.g., Google AdWords, YouTube Analytics) for this purpose. The web tool does not require a local application and can be launched via the web. Access is through a browser; data sources are directly connected via Google Data Studio. Further information on the use of Google Data Studio can be found in Google’s notes.
The legal basis for using Google Data Studio is Art. 6 para.1 lit. f GDPR. Through the ability to create visual reports and dashboards, we can optimize our offer and tailor it to the needs of our customers.
Key points of this privacy policy were created by the Privacy Policy Generator of DGD Deutsche Gesellschaft für Datenschutz GmbH, which acts as an external data protection officer in Berlin, in cooperation with the Cologne IT and data protection lawyer Christian Solmecke.