My name is Sascha, I was born in 1988 and founder and operator of the site Konto-Kredit-Vergleich.de. Under the motto "Putting Finances in Order - Creating Prosperity" I would like to help as many people as possible to gain more financial education in order to make their own well-founded decisions. The content of the blog and the page are topics from the financial sector from A to Z.
This page is more formal in nature as it has to meet some legal needs. In my About me page you will find more information about me and my motivation to run this site.
The Konto-Kredit-Vergleich.de website consists of partial offers for which different providers are responsible.
Responsible according to §5 TMG for all content, unless a different responsible person is specified below:
Responsible according to §5 TMG for the comparison calculator:
The listed comparison calculators are included as tips for the following institutions:
- Financeads: These are an offer from financeAds GmbH & Co. KG, Karlstraße 9, 90403 Nuremberg (Tel. 0911 148783-0, Fax 0911 148783-29, email email@example.com). Register court district court Nuremberg HRA 14415, VAT ID no. DE251399704. Represented by the personally liable partner: financeDigital GmbH, Karlstraße 9, 90403 Nuremberg, register court district court Nuremberg HRB 23019, represented by the managing director Ralf Fischer. Permission according to §34c paragraph 1 trade regulations, supervisory authority: City of Nuremberg, regulatory office, Innerer Laufer Platz 3, 90403 Nuremberg. Permission according to §34d GewO: financeAds GmbH & Co. KG is an insurance broker with a permit requirement according to § 34d Paragraph 1 GewO. Registration number: D-XQLT-GQ4ZP-78. IHK for Munich & Upper Bavaria, Balanstr. 55-59, 81541 Munich. The professional regulations can be found under §34 d GewO, §§59 ? 68 VVG, VersVermV, available at www.gesetze-im-internet.de. Register of insurance brokers: www.vermittlerregister.info
- Smava: The credit comparison, as well as the banners and text links provided by smava, which you can use on our website, are an offer from smava GmbH (smava GmbH, Kopernikusstr. 35, 10243 Berlin). If you provide personal data when using the comparison calculator, this data is collected by smava. smava processes your data in accordance with European data protection regulations. You can view detailed information on data protection and your rights regarding the processing of your data at any time in the smava data protection declaration: https://www.smava.de/Downloads/smava_Datenschutzerklaerung_062015.pdf
- CHECK24.net partner program: We participate in the CHECK24.net partner program. iFrame booking masks and other advertising media are integrated on our pages, for which we can receive a reimbursement of advertising costs through transactions, for example through leads and sales. Further information on the use of data by CHECK24.net can be found in the data protection declaration CHECK24.net.
Cookies and reports on access numbers of the VG word
We use "session cookies" from VG Wort, Munich, to measure access to texts in order to record the probability of copying. Session cookies are small pieces of information that a provider stores in the memory of the visitor's computer. A randomly generated unique identification number, a so-called session ID, is stored in a session cookie. A cookie also contains information about its origin and the storage period. Session cookies cannot store any other data. These measurements are carried out by Kantar Germany GmbH according to the Scalable Central Measurement Method (SZM). They help to determine the copy probability of individual texts to compensate authors and publishers for legal claims. We do not collect any personally identifiable information through cookies.
A use of our offers is also possible without cookies. Most browsers are set to automatically accept cookies. However, you can deactivate the storage of cookies or set your browser so that it notifies you as soon as cookies are sent.
Data protection declaration for the use of the scalable central measurement method used by VG-Wort
Our website and our mobile website use the "Scalable Central Measurement Method" (SZM) from Kantar Germany GmbH to determine statistical parameters to determine the copy probability of texts.
Anonymous measurements are collected. The access number measurement alternatively uses a session cookie or a signature, which is created from various automatically transmitted information from your browser, to recognize computer systems. IP addresses are only processed in an anonymous form.
The process was developed with data protection in mind. The only aim of the procedure is to determine the copy probability of individual texts.
At no time individual users are identified. Your identity is always protected. You will not receive any advertising through the system.
Ranking Top Blogs
This site takes the blog ranking from topblogs.de participates and for this purpose carries out a tracking of the page visits.
Topblogs.de uses its tracking code to collect the IP address, browser version and system used of all visitors to this website.
This data is used exclusively to determine the number of site visitors and from this to rank all participants of TopBlogs.de to create. The data collected for this purpose will be stored until the stated purpose has been fulfilled (counting the number of page visitors) and will be deleted with the next reset at TopBlogs (once a week).
Online dispute resolution in accordance with Art. 14 Para. 1 ODR-VO
The European Commission provides a platform for online dispute resolution (OS), which you can find at http://ec.europa.eu/consumers/odr/ Find.
Disclaimer / Disclaimer
By using the offers and information from Konto-Kredit-Vergleich.de, you agree to the following conditions:
All texts as well as the notes and information do not constitute investment advice or a recommendation to buy or sell securities (§ 85 WpHG). They are for personal information only and reflect the opinion of the author only. No recommendation for a specific investment strategy is made. The content of Konto-Kredit-Vergleich.de is aimed exclusively at natural persons residing in the Federal Republic of Germany.
The published articles, analyses, data, tools and forecasts have been researched and created with the greatest care and to the best of our knowledge and belief. The sources were deemed trustworthy. A guarantee, warranty or liability for the correctness, completeness and topicality of the content and information provided cannot be assumed.
If you adopt any of the content offered on this site or follow any advice, then take action independently at your own risk. Please note that securities are generally associated with risk and can fluctuate in value. A total loss of the invested capital cannot be ruled out either. A company's dividend is not guaranteed and may be reduced or eliminated altogether.
Liability, for whatever legal reason, is not accepted. As far as it is legally possible, claims for damages are excluded.
Liability for content
The contents of our pages were created with great care. However, we cannot guarantee that the content is correct, complete or up-to-date. As a service provider, we are responsible for our own content on these pages according to Section 7, Paragraph 1 of the German Telemedia Act (TMG). According to §§ 8 to 10 TMG, however, we as a service provider are not obliged to monitor transmitted or stored third-party information or to investigate circumstances that indicate illegal activity. Obligations to remove or block the use of information according to general laws remain unaffected. However, liability in this regard is only possible from the point in time at which knowledge of a specific infringement of the law is known. As soon as we become aware of any violations of the law, we will remove this content immediately.
Liability for links
Our offer contains links to external third-party websites, the content of which we have no influence on. Therefore we cannot assume any liability for this external content. The respective provider or operator of the pages is always responsible for the content of the linked pages. The linked pages were checked for possible legal violations at the time of linking. Illegal content was not recognizable at the time of linking. However, a permanent control of the content of the linked pages is not reasonable without concrete evidence of an infringement. As soon as we become aware of legal violations, we will remove such links immediately.
The content and works on these pages created by the site operators are subject to German copyright law. The duplication, editing, distribution and any kind of exploitation outside the limits of copyright require the written consent of the respective author or creator. Downloads and copies of this site are only permitted for private, non-commercial use. Insofar as the content on this site was not created by the operator, the copyrights of third parties are observed. In particular contents of third parties are marked as such. Should you nevertheless become aware of a copyright infringement, we ask that you inform us accordingly. As soon as we become aware of legal violations, we will remove such content immediately.
General note and mandatory information
Naming of the responsible body
The responsible body for data processing on this website is:
The responsible body decides alone or together with others on the purposes and means of processing personal data (e.g. names, contact details, etc.).
Revocation of your consent to data processing
Some data processing operations are only possible with your express consent. You can revoke your consent that you have already given at any time. An informal message by e-mail is sufficient for the revocation. The legality of the data processing that took place up until the revocation remains unaffected by the revocation.
Right to lodge a complaint with the competent supervisory authority
As a data subject, you have the right to lodge a complaint with the competent supervisory authority in the event of a breach of data protection law. The competent supervisory authority with regard to data protection issues is the state data protection officer of the federal state in which our company is based. The following link provides a list of data protection officers and their contact details: https://www.bfdi.bund.de/DE/Infothek/Anschriften_Links/anschriften_links-node.html.
Right to data portability
You have the right to have data that we process automatically on the basis of your consent or in fulfillment of a contract handed over to you or to third parties. It is provided in a machine-readable format. If you request the direct transfer of the data to another person responsible, this will only be done to the extent that it is technically feasible.
Right to information, correction, blocking, deletion
You have the right to free information about your stored personal data, the origin of the data, its recipient and the purpose of the data processing and, if necessary, a right to correction, blocking or deletion of this data at any time within the framework of the applicable legal provisions. You can contact us at any time using the contact options listed in the legal notice if you have any further questions on the subject of personal data.
SSL or TLS encryption
For security reasons and to protect the transmission of confidential content that you send to us as the site operator, our website uses an SSL or. TLS encryption. This means that data that you transmit via this website cannot be read by third parties. You can recognize an encrypted connection by the "https://" address line of your browser and by the lock symbol in the browser line.
Duration of storage of posts and comments
Contributions and comments as well as related data, such as IP addresses, are saved. The content remains on our website until it has been completely deleted or had to be deleted for legal reasons.
The contributions and comments are stored on the basis of your consent (Article 6 (1) (a) GDPR). You can revoke your consent that you have already given at any time. An informal message by e-mail is sufficient for the revocation. The legality of data processing operations that have already taken place remains unaffected by the revocation.
Our website uses plugins from YouTube to integrate and display video content. The provider of the video portal is YouTube, LLC, 901 Cherry Ave., San Bruno, CA 94066, USA.
When a page with an integrated YouTube plugin is called up, a connection to the YouTube servers is established. This tells YouTube which of our pages you have accessed.
YouTube can assign your surfing behavior directly to your personal profile if you are logged into your YouTube account. You can prevent this by logging out beforehand.
YouTube is used in the interest of an attractive presentation of our online offers. This represents a legitimate interest within the meaning of Article 6 (1) (f) GDPR.
Details on handling user data can be found in YouTube's data protection declaration at: https://www.google.de/intl/de/policies/privacy.
Some cookies are “session cookies.” Such cookies are automatically deleted at the end of your browser session. On the other hand, other cookies remain on your end device until you delete them yourself. Such cookies help us to recognize you when you return to our website.
With a modern web browser you can monitor, restrict or prevent the setting of cookies. Many web browsers can be configured in such a way that cookies are automatically deleted when the program is closed. The deactivation of cookies can result in limited functionality of our website.
The setting of cookies, which are necessary to carry out electronic communication processes or to provide certain functions you want (e.g. shopping cart), takes place on the basis of Article 6 Paragraph 1 Letter f GDPR. As the operator of this website, we have a legitimate interest in the storage of cookies for the technically error-free and smooth provision of our services. If other cookies are set (e.g. for analysis functions), they will be treated separately in this data protection declaration.
Our website uses functions of the web analysis service Google Analytics. The provider of the web analysis service is Google Inc., 1600 Amphitheater Parkway, Mountain View, CA 94043, USA.
Google Analytics uses "cookies." These are small text files that your web browser stores on your end device and enable analysis of website usage. Information generated by cookies about your use of our website is transmitted to a Google server and stored there. Server location is usually the USA.
Google Analytics cookies are set on the basis of Article 6 (1) (f) GDPR. As the operator of this website, we have a legitimate interest in analyzing user behavior in order to optimize our website and, if necessary, advertising.
We use Google Analytics in connection with the IP anonymization function. It ensures that Google shortens your IP address within member states of the European Union or in other contracting states of the Agreement on the European Economic Area before it is transmitted to the USA. There may be exceptional cases in which Google transmits the full IP address to a server in the USA and shortens it there. On our behalf, Google will use this information to evaluate your use of the website, to create reports on website activity and to provide us with other services related to website activity and internet usage. The IP address transmitted by Google Analytics is not merged with other Google data.
The setting of cookies by your web browser can be prevented. However, this could limit some functions of our website. You can also prevent the collection of data relating to your website use, including your IP address and subsequent processing by Google. This is possible by downloading and installing the browser plugin available via the following link: https://tools.google.com/dlpage/gaoptout?hl=de.
Objection to data collection
You can prevent Google Analytics from collecting your data by clicking on the following link. An opt-out cookie will be set to prevent your data from being collected on future visits to our website: Disable Google Analytics.
In order to fully comply with the legal data protection requirements, we have concluded an order processing contract with Google.
Demographic characteristics in Google Analytics
Our website uses the "demographic characteristics" function of Google Analytics. It can be used to create reports that contain statements about the age, gender and interests of the site visitors. This data comes from interest-based advertising from Google and visitor data from third-party providers. It is not possible to assign the data to a specific person. You can deactivate this function at any time. This is possible via the ad settings in your Google account or by generally prohibiting the collection of your data by Google Analytics, as explained in the point "Objection to data collection".
Our website uses functions of the social network Pinterest. The provider is Pinterest Inc., 808 Brannan Street, San Francisco, CA 94103-490, USA.
When you call up a page with Pinterest functions, your browser establishes a direct connection to the Pinterest servers. Log data is transmitted to the Pinterest servers. The servers are located in the USA. The log data may allow conclusions to be drawn about your IP address, websites visited, type and settings of the browser, date and time of the request, how you use Pinterest and cookies.
Our website uses Google AdSense. The provider is Google Inc., 1600 Amphitheater Parkway, Mountain View, CA 94043, USA.
Google AdSense is used to integrate advertisements and sets cookies. Cookies are small text files that your web browser stores on your end device to analyze how the website is used. Google AdSense also uses web beacons. Web beacons are invisible graphics that enable an analysis of visitor traffic on our website.
Information generated by cookies and web beacons is transmitted to and stored by Google on servers. Server location is the USA. Google may pass this information on to contractual partners. However, Google will not merge your IP address with other data stored by you.
AdSense cookies are stored on the basis of Article 6 (1) (f) GDPR. As the website operator, we have a legitimate interest in analyzing user behavior in order to optimize our website and our advertising.
With a modern web browser you can monitor, restrict and prevent the setting of cookies. The deactivation of cookies can result in limited functionality of our website. By using our website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.
Google Web Fonts
Our website uses web fonts from Google. The provider is Google Inc., 1600 Amphitheater Parkway, Mountain View, CA 94043, USA.
By using these web fonts, it is possible to present you with the presentation of our website that we want, regardless of which fonts are available to you locally. This is done by retrieving the Google Web Fonts from a Google server in the USA and the associated transfer of your data to Google. This is your IP address and which of our pages you have visited. Google Web Fonts are used on the basis of Art. 6 Para. 1 lit. f GDPR. As the operator of this website, we have a legitimate interest in the optimal presentation and transmission of our website.
The company Google is certified for the US-European data protection agreement "Privacy Shield". This data protection agreement is intended to ensure compliance with the data protection level applicable in the EU.
Source: Data protection configurator from my-datenschutzbeauftragter.de