Postbank closed user group
Postbank Online Banking (access is only available to authorized Postbank customers.) In order to protect access, you require a valid personal identification number (PIN). Furthermore, in order to, for example, transfer funds or order forms, you require a valid transaction number (TAN).
Your consent
Without your express content, there will be no automatic collection, processing or use of personal data from your Internet visit. If, for example, you request a personal product offering or information materials to be sent to you by mail, you enter the necessary data voluntarily. Furthermore, having granted your consent to have your personal data collected, processed and used, you can withdraw it at any time effective from that time. Withdrawing your consent may result in the end of our business relationship.
Online Banking
In Online Banking, we only collect data for personal processing and use if it serves the purposes of your contractual or fiduciary relationship with us or if you have provided express electronic or written consent (e.g. when opening an account or applying for a product). The provisions of the German Federal Data Protection Act apply without restriction.
Cookies
A cookie is a small text file with a sequence of alphanumeric characters (numbers and letters) which are saved by our web server on the hard disk of your computer in the cookie folder. Cookies are used as part of web technology and do not cause any damage to your computer system.
Cookies and session cookies are used on a regular basis. A permanent cookie remains saved after you close your browser. These can be used by your browser on later visits to our web pages. A session cookie exists only on a temporary basis and disappears after your browser is closed. Even though cookies identify the computer you use, they do not save any personal data.
You can determine whether and how you permit cookies to be used on your computer by configuring your browser. This could, however restrict the functionality of certain pages.
For concluding internet product transactions, we use so-called counting pixels from the company DoubleClick. Here web beacons (GIF files or pixel tags) are used in a code string in a web page.
Using these files, our partner agency can identify a unique cookie on your web browser, which we in turn can use to determine the page or internet advertisement from which you reached our Postbank website. This cookie was stored by us or by another advertising customer who works together with our partner agency. The information acquired and shared with cookies is anonymous. It is not possible to extract any information about your person.
Access protection and data security
Deutsche Postbank takes all necessary technical and organizational security measures to protect your personal data against loss and abuse. Hence, your data is saved in a secure operating environment not publicly accessible. In certain cases, i.e. Online Banking, when concluding product agreements on the Internet, on the Postbank Direct Portal as well as Brokerage, your personal data is encrypted on transmission by secure socket layer technology (SSL). This means that communications between your computer and the Deutsche Postbank servers are cryptographically encoded using an encryption method if your browser supports SSL technology.
Handling e-Mail
Before sending us an e-mail via your Internet provider or via the contact link on our public Internet pages, please note that its content is not necessarily protected against unauthorized access (can be read by third parties), forgery, etc.
We use the e-Mail address you provide to send you requested information by e-Mail. However, please understand that we cannot answer specific customer and/or account enquiries that we receive via unencrypted systems. We will be happy to answer such enquiries received via encrypted systems (Online Banking, Postbank Direct Portal and Brokerage) by mail.
Our Newsletter
You can also take out a subscription for the Postbank newsletter. To do so, simply provide us your e-mail address so that we can get the newsletter to you. You can also inform us of your name and date of birth, though this information is not essential. In order to use and manage your data you will receive a password. Further information on the newsletter itself can be found under Newsletter Help.
Some buttons on the newsletter entry mask, which are shown individually for technical reasons, can be clicked on. While this would allow us to draw conclusions about your person, Postbank does not engage in this practice. Furthermore, we are of course prohibited from using the data you provide us with for any purpose other than sending you the newsletter. Technical measures are taken to ensure that no individual assessments of your user behavior are made. We merely use statistical information on access to our newsletter pages. This does not involve any personal analysis.
Anonymity
You can navigate all public Postbank Web sites anonymously. In particular, you can use our information and offering pages as well as our premium and rate calculators, etc. anonymously and then leave our pages at any time. We gather and process only statistical information on these pages that cannot be traced to you in order to improve and enhance our Web site.
Pseudonym
When using our dialog masks, you are free to enter fictitious data or to provide only an e-mail address for responses or to initiate contact. We will not trace the owner of this address.
Personal data
Personal data is specific information relating directly to a natural person that makes a person determinable or that indicates a person. Therefore, all personal and factual information referring to a natural person is protected.
Statistical information
In order to keep our Internet site up to date and to meet the user needs accordingly, we gather statistical information, e.g. the number of visitors for each individual Web page. The following information is noted:
- Computer and browser type used,
- Internet provider,
- Access date and time as well as
- Calculation data
This information is used solely for internal purposes and does not refer to you personally.
Usage/access data
To the extent that we wish to use usage data relating to your visit to our Web site and compile it with your customer data – to improve an individual product offering and our services – we will obtain your express consent to do so via an Internet dialog. If you do not wish to grant your consent, you can continue, cancel or end any dialog unobserved.
When requesting a file from our download offering, access data may be saved. Each requested data set includes:
- the page where the file was requested
- the name of the file
- the time and date of the request
- the data volume transferred
- the access status (file transferred, file not found, etc.)
- the type of browser used
The data saved is used solely for statistical purposes.
Calculation data
We use the data you enter in calculation masks for calculations that allows us to show you correct results and for statistical purposes. If you continue your entries with the request for personalized results, the calculation data required are transferred. Other data from previous Web pages is only used for statistical purposes or is automatically deleted when a new page is opened.
Collecting and saving data
Collecting means procuring data about you as a user of our Web site. This occurs before the phases of data processing distinguished between by law. Procurement only occurs when the activity is initiated by Postbank and personal data from you yourself or third parties is transmitted.
Saving means entering, recording or storing data on a storage medium for the purposes of further processing or use.
The saving and changing of personal data as a means for Postbank to fulfill its own business objectives is permitted by the German Federal Data Protection Act in the context of a contractual relationship with you.
For example, if you already have a Postbank account, your personal data can be saved in the context of the contractual long-term usage relationship under the General Terms and Conditions.
When using some Web pages, such as when placing an order, calling up information offerings or requesting that we make contact, you are required to transfer specific personal data (name, date of birth, post or e-Mail address, telephone number, etc.) by entering it on these Web pages. Naturally, you are free not to provide us with this information, though this means we will be unable to provide you with the desired products, services or information.
Correcting/updating or changing data
We correct and update saved data accordingly when you inform us of a change. As a member of a closed user group, you yourself have a direct influence on our data quality.
The saved personal data can be changed by, for example:
- correcting inaccurate data,
- adding new data,
- linking other data already saved or
- partial deletion
Deleting data
We delete saved data in an automatic process when the legal or contractual storage period expires or if the data is no longer required. If you would like us to delete you data, this occurs immediately unless this contravenes legal or contractual storage periods.
Blocking data
Blocking means flagging saved data to restrict its further processing or use. Personal data is blocked when
- saving it is no longer required to satisfy the purpose of saving it,
- this does not contravene any legal, statutory or contractual storage periods,
- there are grounds to assume that deleting the data would impair your interests meriting protection,
- deletion of the data is impossible or would involve a disproportionately high expenditure owing to the way it has been saved,
- you dispute the accuracy of the personal data and neither accuracy nor inaccuracy can be determined.
Information on saved data
On request, we will inform you of the personal data we have saved about you, immediately. If you wish to exercise your right to information, please specify the type of personal data you wish us to inform you of. Of course, you can correct any errors, update old information or have the saved data deleted.
Forwarding to third parties
Whey you apply for a product, the information you provide is saved by the companies of the Postbank Group or one of our cooperation partners as selected by you.
Postbank does not sell or rent personal data, whether from user group or e-mail lists. Your data may be forwarded within the Postbank Group if you provide your written consent in your product application or if you grant your consent electronically in individual cases. We observe the boundaries imposed by data protection and competition law.
Advertising
To be able to inform you of new products, product changes and our latest offers, we must adhere to various legal frameworks. As advertising distribution channels, Postbank uses conventional print media on the one hand, i.e. letters or flyers, and other media such as telephones and e-mail on the other.
In principle the German Federal Data Protection provisions allow the use of your data for advertisement via print media. If you do not wish for this to happen, you can of course stop the use of your data for advertising purposes at any time. To do this, simply inform the Postbank location where your account is held.
For the second of these channels, telephone and e-Mail, we are only permitted to send you advertisements you’re your express permission.
The legal provisions for obtaining your consent to telephone and e-Mail advertising are shown below:
- You must provide advertising consent for each channel separately.
- You must "actively" state your advertising consent.
- We must inform you of the use of your data.
- We must inform you of our intention to save your date, the place it will be saved and the reason for saving it and obtain your consent to do this.
- We must inform you that you can withdraw your consent to have your data used for future advertising purposes at any time.
- Every time you receive advertising in an e-Mail, you will be the given the opportunity to withdraw your consent (e.g. by clicking on a link such as "Click here to unsubscribe from this service.").
