General Privacy Policy

micropayment AG Lindenhof 4 CH 6060 Sarnen


We, micropayment AG, take the protection of your personal data very seriously. We treat your personal data confidentially and in accordance with the legal data protection regulations, especially the EU-General Data Protection Regulation (GDPR), as well as this data protection statement.

Personal data is any information relating to an identified or identifiable natural person, such as name, address, e-mail addresses, user behavior, IP address.

The use of our website is normally possible without giving personal data. If personal data are collected on our pages, this is always done on a voluntary basis as far as possible. These data will not be passed on to third parties without your express consent.

We would like to point out that data transmission on the Internet (for example, when communicating via e-mail) can present security gaps. A complete protection of the data before access by third parties is not possible.

With these general privacy policies, we would like to inform you which personal data we collect, process and use when you visit our website (for example to inform us about our products and services). If you use one of our payment services, additional data protection statements apply. You will be informed of their validity separately before using the respective service.


Name and address of the controller

Controller within the meaning of Art. 4 Abs. 7 GDPR, other data protection laws in the member states of the European Union and other regulations with data protection character is the company:

micropayment AG,
represented by the Chairwoman of the Board Claudia Wolff
Lindenhof 4
CH 6060 Sarnen

phone: (+41) 41 661 2056
fax: (+41) 44 580 4142
email: service@micropayment.ch
website: www.micropayment.ch

Name and address of the representive of the controller within the Union (Art. 27 GDPR)
micropayment AG
registered office Germany
Scharnweberstraße 69
12587 Berlin (Germany)

Name and address of the data protection officer

The data protection officer of the controller is:

Josefine Spengler
Lawyer (Counsel Lawyer)
Specialist lawyer for information technology law

micropayment AG
registered office Germany
Scharnweberstraße 69
12587 Berlin (Germany)

email: privacy@micropayment.ch

Any person, who is subject to data processing of the controller, can contact our data protection officer at any time with any questions or suggestions regarding data protection.


Hosting

Our websites are operated (hosted) on our own servers at a German location.

We process stock data, contact data, content data, contract data, usage data, meta and / or communication data of customers, interested parties and visitors of our online offer on the basis of our legitimate interests in an efficient and secure provision of this online offer according to Art. 6 section 1 letter f GDPR.


SSL-encryption

This site uses SSL encryption for security reasons and for the protection of the transmission of confidential content such as the inquiries you send to us as a site operator. An encrypted connection indicates that the browser's address line changes from "http: //" to "https: //" and on the lock icon in your browser line.

If the SSL encryption is activated, the data that you transfer to us can not be read by third parties.


Use and storage of data when visiting our website

When visiting our website, we temporarily store this access in a log file on our web server. The record is collected and stored. This process is necessary to ensure optimal use of our website and is done in an anonymous form.

If you do not register, we do not collect any personally identifiable information, except for the information that your browser submits to allow you to visit the site. These are the anonymized IP address, date and time of the request, time zone difference to the greenwich mean time (GMT), content of the request (concrete page), access status / HTTP status code, respectively transmitted data volume, website from which the request comes, browser, operating system and its interface, language and version of the browser software.

Furthermore, cookies are generally stored on your computer when you use the website. Please refer to the separate explanations below.

When contacting us (for example via a contact form or e-mail), the user's data are stored for the purpose of processing the inquiry as well as in the event that connection questions arise.

In case of user registration, we collect certain personal data. Please refer to the separate explanations below.


Collection of access data and log files

Based on our legitimate interests within the meaning of Art. 6 section 1 letter f. GDPR we do collect data about every access to our server (so-called server log files). The access data includes name of the retrieved web page, file, date and time of retrieval, amount of data transferred, message about successful retrieval, browser type and version, the user's operating system, referrer URL (the previously visited page), IP address and the requesting provider.

Logfile information are stored by us for security purposes (for example, to investigate abusive or fraudulent activities) for a maximum of 21 days and then deleted. Data whose further retention is required for evidential purposes shall be exempted from the cancellation until final clarification of the incident.


Cookies

Our Internet pages sometimes use so-called cookies. Cookies do not damage your computer and contain no viruses. Cookies serve to make our offer more user-friendly, effective and safer. Cookies are small text files which are stored on your computer and which your browser saves.

Most of the cookies we use are so called "session cookies". They are automatically deleted after your visit. Other cookies remain on your device until you delete them. These cookies allow us to recognize your browser on the next visit.

You can set your browser to inform you about the setting of cookies, to allow cookies in individual cases, to exclude the acceptance of cookies for specific cases or in general, and to activate the automatic deletion of cookies when the browser is closed. The functionality of this website may be restricted when cookies are deactivated.

The use of cookies is based on Art. 6 section 1 letter f GDPR (processing is necessary to ensure the legitimate interests of the controller or a third party).


Conversion Tracking

If you've reached us through an ad on Google or the Google Advertising Network, Google may have already set a cookie on your computer that has a 30-day lifetime ("conversion cookie"). If you visit the pages of our Website during this period ("conversion"), we will include a code provided by Google on the following page ("conversion Page"). This causes your browser to connect to Google and submit the content of the conversion cookie. Google will recognize that your click on a particular ad has led to a conversion and will provide us with the result in a prepared, statistical, and non-personal form ("conversion tracking"). For Google privacy and conversion tracking, please see

http://www.google.de/intl/de/policies/privacy and https://support.google.com/adwords/answer/1722022?hl=de

You may object to conversion tracking:

  • You can configure your browser to not accept cookies. However, the use of our website and services may be restricted, or
  • You can disable Google's interest-based ads in Google ad settings: http://www.google.com/settings/ads/onweb/?hl=de

Analysis software MATOMO

This website uses the open source web analytics service Matomo (formerly Piwik). Matomo uses so-called "cookies". These are text files that are stored on your computer and allow you to analyze the use of the website. For this purpose, the information generated by the cookie about the use of this website is stored on our server. The IP address is anonymized before storage.

The information on the use of this website generated by the cookie is not passed on to third parties. You can prevent cookies from being saved by setting your browser software accordingly; however, we would point out that in this case you may not be able to fully utilize all the functions of this website.

If you do not agree to the storage and use of your data, you may wish to deactivate it under the Disable Link below. In this case, an opt-out cookie is stored in your browser which prevents Matomo from storing user data. If you delete your cookies, this also means that the Matomo Opt-Out cookie is also deleted. The opt-out must be reactivated when you visit our site again.

For more information, please see Matomo's Privacy Statement https://matomo.org/privacy/.

Matomo disable


Facebook-Plugins (Like-Button)

You can find plugins of the social network Facebook, provider Facebook Inc., 1 Hacker Way, Menlo Park, California 94025, USA, on our site. You can recognize the Facebook plugins on the Facebook logo or the "Like-Button" on our site. An overview of the Facebook plugins can be found here: http://developers.facebook.com/docs/plugins/.

When you visit our pages, the plugin is used to establish a direct connection between your browser and the Facebook server. Facebook will be informed that you have visited our site with your IP address. If you click the Facebook Like button while you are logged into your Facebook account, you can link the content of our pages to your Facebook profile. This allows Facebook to associate the visit of our pages with your user account. We would like to point out that as a provider of the pages we do not receive any knowledge of the content of the transmitted data as well as their use by Facebook. For more information, see Facebook's Privacy Statement http://de-de.facebook.com/policy.php.

If you do not want Facebook to associate the visit of our pages with your Facebook user account, please log out of your Facebook user account.


Twitter

Functions of the Twitter service are integrated on our sites. These features are offered by Twitter Inc., 1355 Market Street, Suite 900, San Francisco, CA 94103, USA. By using Twitter and the "Re-Tweet" feature, the websites you visit are linked to your Twitter account and shared with other users. This data is also transmitted to Twitter. We would like to point out that as a provider of the pages we are not aware of the content of the transmitted data as well as their use by Twitter. For more information, see Twitter's Privacy Statement http://twitter.com/privacy.

You can change your privacy settings on Twitter in the account settings at: http://twitter.com/account/settings ändern.


LinkedIn

Our website uses the functions of the LinkedIn network. Provider of LindekIn Is the LinkedIn Corporation, 2029 Stierlin Court, Mountain View, CA 94043, USA. Each time you visit one of our sites that contain LinkedIn, LinkedIn connects to LinkedIn servers. LinkedIn is informed that you have visited our Internet pages with your IP address. If you are a LinkedIn member, click here to log in to your account. If you are not a LinkedIn member, click here to become a member. We would like to point out that as a provider of the pages we have no knowledge of the content of the transmitted data as well as their use by LinkedIn.

For more information, see LinkedIn's Privacy Statement: https://www.linkedin.com/legal/privacy-policy


XING

Our website uses functions of the XING network. The provider is XING AG, Dammtorstraße 29-32, 20354 Hamburg, Germany. Each time you visit one of our pages that contain XING features, you will be connected to XING servers. As far as our knowledge is concerned, personal data are not stored. In particular, no IP addresses are stored an no usage behavior is evaluated.

For more information on the Privacy Policy and the XING Share Button, please visit the XING Privacy Statement at: https://www.xing.com/app/share?op=data_protection


Contact form

If you send us inquiries by means of a contact form, your information from the inquiry form, including the contact details provided there, will be stored with us for the purpose of processing the inquiry and for the case of connection questions. We will not pass on this data without your consent.


Use of live chat feature (Zendesk Chat)

This site uses Zendesk Chat (formerly Zopim), a live chat software from the company Zendesk Inc., 989 Market Street # 300, San Francisco, CA 94102. Using Zendesk Chat, the user is shown whether one of our employees is online to provide an immediate response. For this purpose, all visitors of our pages are recorded with their IP address and the page visited at the moment. The IP address is anonymized.

Zendesk Chat uses cookies. The information on the use of our website (including your anonymous IP address) generated by the cookie is transferred to a Zendesk Chat server in the USA and stored there. The information is only visible for the moment of the stay on a certain page and will not be saved. Conducted chats are logged and saved. You can prevent the installation of cookies by setting your browser software accordingly; we would like to point out that in this case not all functions of the website can be used fully.

For more information about Zendesk's data processing, see Zendesk's Privacy Statement at http://www.zendesk.com/company/privacy. If you have any questions, please contact the Zendesk Data Protection Officer: privacy@zendesk.com

By using this website, you agree to the processing of the data collected about you by Zendesk Chat in the manner and for the purposes set out above.


Use, storage and eventually transfer of data in case of user registration

In the case of user registration, we collect certain personal data as registration information (mandatory fields). These data include the salutation, the surname, the e-mail address and the password, as well as, in the case of legal persons, the company name of the legal person.

The application for a Micropayment account as well as the use of our payment services are only possible if the user has provided the required data (hereinafter also "master data") completely and correctly. These data can be entered at the beginning or later be supplemented before a release decision.

For companies the necessary master data include:

  • data on the person acting: name, surname, place of birth, date of birth, identity card or passport, indicating the issuing authority, the address, e-mail address and telephone number
  • data on the company: company name, legal form, registration number, if applicable, name of the responsible registrar, the registered office and business address, web presence / URL, bank connection for payment of credit, tax identification number

for natural persons the necessary master data include:

  • name, place of birth, date of birth, ID number or passport, indicating the issuing authority, the address, the e-mail address or the telephone number, the bank account for the payment of credit balances and the tax identification number

Additional information on the user's experience and knowledge can be requested for reasons of risk awareness.

All collected data are shown in the respective input masks. Necessary mandatory details are marked by *, and further information is voluntary.

Your personal data can be viewed at any time in your personal ControlCenter by logging in with username and password on our website.

We use the collected data exclusively to provide our contractual services, that is, in particular to make a login available on all our pages, to allow the user data to be maintained, to manage the newsletter and product information and to provide a portfolio overview, including the relevant documents, for all transactions executed.

The data collected may also be used to process the desired payment services. For this purpose, the data may are passed on to our cooperation partners FinTech Group Bank AG, Rotfeder-Ring 5-7, 60327 Frankfurt, First Cash Solution GmbH, Okenstraße 7, 77652 Offenburg, EVO Payments International GmbH, Elsa-Brändström-Straße 10–12,50668 Köln, paydirekt GmbH, Hamburger Allee 26-28, 60486 Frankfurt am Main, Klarna GmbH – Sofort GmbH, Theresienhöhe 12, 80339 München and paysafecard.com Deutschland, Zweigniederlassung der Prepaid Services Company Limited, Roßstr. 92, D-40476 Düsseldorf, where appropriate, for the provision of the execution of the payment services.

The deletion of the data takes place after expiration of legal warranty and comparable obligations, the necessity of the storage of the data is checked every three years. In the case of legal archiving obligations, the deletion takes place after its expiration. Information in the user´s account remains until it is deleted.


Handling applicant data

The collection, processing and use of application data includes, but is not limited to, contact information, education, work experience and other skills, and is required to make hiring decisions. If you apply online or by e-mail, you will receive detailed privacy notices in our career portal.

To process your application, we use the e-recruiting platform of the company softgarden e-recruiting GmbH, Tauentzienstraße 14, 10789 Berlin.

For information on privacy at Softgarden, please visit https://www.softgarden.de/unternehmen/datenschutz-produkte

An application is only processed by the relevant contact persons of the respective department and the management. All systems in which your personal data are stored are protected against external access and are accessible only to a group of persons responsible for human resources.

If there is a recruitment after your application, the given data will be used for the employment. If your documents have aroused our interest and we are currently unable to offer you a suitable position, we will save the application for the future so that we can contact you as soon as a suitable position becomes available. Your data will be saved in our talent pool for the duration of max. 6 month.

You can object to this storage at any time. Please direct your objection to our data protection officer.


newsletters

If you would like to receive the newsletter offered by us, we require you an e-mail address as well as information which allows us to verify that you are the owner of the e-mail address given and agree to receive the newsletter. Further data is not collected. We use this data exclusively for sending the requested information and do not pass it on to third parties.

You may revoke your consent to the storage of the data, the e-mail address and its use for sending the newsletter at any time via the ControlCenter.


Legal basis of the processing

The legal basis for the processing of personal data for which we obtain consent for a specific processing purpose is basically Art. 6 section 1 letter a GDPR.

If the processing of personal data is required to fulfill a contract, the processing is based on Art. 6 section 1 letter b GDPR. The same applies to processing operations that are necessary to carry out pre-contractual measures, for example in cases of inquiries regarding our products or services.

If our company is subject to a legal obligation which requires the processing of personal data, such as the fulfillment of tax obligations, the processing is based on Art. 6 section 1 lettr c GDPR.


Deletion of personal data

We adhere to the principles of data avoidance and data economy. Therefore, we only store your personal data for as long as it is necessary to achieve the purposes mentioned here or as provided for by the various legal binding storage periods. After discontinuation of the respective purpose or expiration of these deadlines, the corresponding data will be routinely and in accordance with the statutory provisions blocked or deleted.


Right to information, deletion, blocking

You are always entitled to free information about your processed personal data, its origin and recipient, the purpose of data processing, and the right to correct, block or delete this data. Our data protection officer is at your disposal for answering questions and further questions on data protection.

Please contact her via privacy@micropayment.ch


Version: 2.2, date: 25/05/2018