(Version 1.0 – 25. May 2018)
I. About Cookies
What are Cookies? A cookie is a technology for remembering something about you as our user. Cookies are small text files with information which are stored on your access device.
Cookies aren’t automatically good or bad, but it’s worth understanding what you can do about them and to take your own decision on your data.
II. What types of cookies exist?
III. Your decision
What will you be asked to decide about and when? When you’re visiting our Website or our WebApp and when you’re installing our app, you’ll be asked if you agree on the usage of cookies in order to track from whom of our partners you were sent to us and in order to show relevant information to you. You need to actively respond to that question in order to activate these cookies.
IV. Which cookies are covered by your consent?
We are only asking for your consent to use marketing cookies. Cookies that enable us to improve the functionality and security of our Website/WebApp or App are necessary to provide you with the product the world loves to use. We assume that you want us to remember you at your next login. We assume you want us to show you our website in the language you understand. And we assume you want us to improve our performance by e.g. letting us know how often you visited a specific N26 website and with this information to produce more content you might be interested in.
V. Which cookies can we use without your consent?
The usage of cookies which ensure the functionality and security of our Website, Webapp or App is justified in accordance with Art. 6 (1) f) GDPR, which is why your explicit consent for using those cookies is not necessary. That is because for the usage of cookies that ensure the functionality and security of our products we can assume that it is also in your interest that our Website, Web app and App is protected against breakdowns or damages, that could impair the confidentiality of your data. Due to the usage of the following cookies we can e.g. analyse the cause of the disfunction or avoid that the authenticity of your data will be impaired by e.g. spreading harmful program codes by unauthorised persons.
1. Use of Adjust in our App
The App of N26 Bank uses the Adjust usage statistics and analysis technology of adjust GmbH, Saarbrücker Str. 36, 10405 Berlin (hereinafter: “Adjust”). When you open the App, Adjust collects installation and event data, such as for example “App opened.” We use this anonymised information to understand how users interact with our App and to analyse mobile ad campaigns. Adjust uses your anonymised IDFA or Android ID as well as your anonymised IP and MAC address for this type of analysis. It is not possible to identify you individually.
2. Use of Crashlytics in our App
3. Use of TrackJS on our Website and our Web-App
VI. What kind of data is collected that is necessary for a safe and efficient product?
As explained under III. above, we are automatically using cookies which are necessary for the functionality and security of our product and are not asking for your consent. Thereby we are collecting the following data: IP address Date and time of the request Time zone difference to Greenwich Mean Time (GMT) Content of the request (specific page) Access status/http status code Volume of data transferred Website (from which the request comes) Information of the Browser Information of Operating system (e.g. version or producer) Information of the device Language and version of the browser software Referrer (the last visited website, if available)
VII. Which cookies are covered by your consent?
To understand which cookies are covered by your consent here is a list of the marketing cookies we are using and what they are doing for us:
1. Use of Google Analytics and Google Tag Manager
Our Website and our Web-App use Google Analytics and Google Tag Manager; web analysis services of Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA (hereinafter: “Google”). Google Analytics and Google Tag Manager use so-called “Cookies”; text files which are stored on your computer/smartphone and which enable analysis of your use of our Website and Web-App. The information generated by the Cookie about your use of our Website and Web-App is generally transmitted to a Google server in the USA and stored there. However, within member states of the European Union or in other parties to the Agreement on the European Economic Area, your IP address will be previously shortened by Google on our Website and Web-App. Only in exceptional cases will the full IP address be transmitted to a Google server in the USA and abbreviated there. Google will use this information on behalf of the operator of this Website/App to evaluate your use of the Website, in order to compile reports about the Website activities and to render further services to the Website operator/App operator connected with the Website use/app use and internet use. The IP address transmitted by your browser within the framework of Google Analytics and Google Tag Manager will not be merged with other data from Google. You can find more detailed information about this at: http://google.com/intl/de/analytics/privacyoverview.html We hereby point out that, on our Website, Google Analytics are expanded with the code “gat._anonymizeIp();” in order to guarantee an anonymised collection of IP addresses (so-called IP Masking).
2. Use of Finance ads on our Website
N26 Bank uses the Re-Targeting Tool of financeAds GmbH & Co. KG, Karlstrasse 9, 90403 Nuremberg (hereinafter: “Finance Ads”), in order to be able to inform you about advertising on other websites that may interest you. For this purpose, alias information about the use of our Services will be stored in Cookies and on this basis advertisements will be displayed on other websites. No usage profiles will be merged with your personal data as a result of this and no identifying information about your person will be disclosed to third parties.
3. Use of FinanceQuality on our Website
4. Use of HasOffers on our Website
5. Use of Taboola on our Website
We are using Taboola, a platform to purchase media which provides display advertising space.
6. Use of M6 Web
7. Use of Google Adwords on our Website
8. Use of Facebook on our Website
9. Use of Twitter on our Website
VIII. How can you revoke your consent?
You have the right to revoke your consent to use marketing cookies at any time. If you do so, we will not process your data for these purposes anymore. The data processing that has been performed until receipt of your revocation stays legitimate. For your revocation there is no form required and should be provided to the following address: N26 Bank GmbH Data Protection Officer Klosterstraße 62 10179 Berlin E-Mail: Datenschutz@n26.com