If you have any questions, comments or criticism regarding the processing and use of your personal data, please contact our data protection officer.
We are pleased about your visit on our website and about your interest in our company, our services and our online service.
The UNIVERSUM Group will only store your personal information and process these if you voluntarily submit this by yourself for a specific purpose (for example, in the context of a request, the registration for an online service or in case of processing a contract). Your personal data is processed confidentially and exclusively for our own business purposes according to the Regulations of the Federal Data Protection Act (BDSG), to the General Data Protection Regulation (GDPR) and to the Telemedia Act (TMG)
We use your information to improve our support and services within the relationship to our customers, for tailoring the product design to customer needs and for marketing purposes. You can object to the use of data for marketing purposes at any time.
Your stored personal data are protected in all systems against misuse and unauthorized access in accordance with the data protection regulations and only accessible to a certain, authorized group of persons via user ID and password. Our security measures are constantly adapted to technological progress. The employees of the UNIVERSUM Group are committed to data secrecy.
If you have any questions, remarks or critique with regard to the processing and / or use of your personal data, please contact our data protection officer.
Operational Data Protection Officer
UNIVERSUM Group Data Protection Officer Hanauer Landstr. 164 60314 Frankfurt am Main
Telefax: +49 69 42091 353 E-Mail: datenschutz@universum-group.de
According to Art. 15 DSGVO and § 34 Bundesdatenschutzgesetz (BDSG), you have the right to access information about your personal data stored by us. Please use the following application form:
*Mandatory fields
The UNIVERSUM Group always strives to provide correct and up-to-date information on its website and will perform changes and / or amendments continuously if necessary without prior notice. Despite all due diligence, data may have changed. Thus the UNIVERSUM Group makes makes no warranty, either expressed or implied as to the preciseness, correctness and / or completeness of information provided in this website.
Our website contains hyperlinks to other websites that are not part of the UNIVERSUM Group. With judgement of 12 May 1998 (AZ 312 0 85/98) the regional court Hamburg decided that one has to if necessary also answer for contents of the linked side by the mounting of a on the left of. Hereby we dissociate ourselves ausdrücklich from all contents of all linked external sites and do not adopt these contents as our own.
In order to make our website as user-friendly as possible, we use so-called cookies and web beacons.
A "cookie" is a small text file that a UNIVERSUM Group web server (e.g. the web server of www.universum-group.de ) sends to your browser when you visit a website.
- Session cookies expire at the end of the browser session and can record your actions during that one browser session. - permanent cookies" are also stored on your terminal between different browser sessions and can record your settings or actions on several websites.
Web beacons are small graphic files (also known as "pixel tags" or "clear GIFs") that may be contained in our websites, apps, applications and newsletters and are usually used in conjunction with cookies to identify users or user behavior. The above information on cookies applies accordingly to web beacons; web beacons are not used if you have objected to the use of the corresponding cookie.
Cookies are small files that enable the user's access device (PC, smartphone, etc.) to store specific information relating to the device. They serve on the one hand the user-friendliness of web pages and thus the users (e.g. storage of login data). On the other hand, they are used to collect statistical data on the use of the website and to analyse it in order to improve the offer. Users can influence the use of cookies. Most browsers have an option with which the storage of cookies is restricted or completely prevented. However, it is pointed out that the use and especially the comfort of use are limited without cookies.
You can manage many corporate online ad cookies through the US site www.aboutads.info/choices/ or the EU site www.youronlinechoices.com/uk/your-ad-choices/ Further information on the use and deactivation of cookies can be found at www.youronlinechoices.com/de/ or www.meine-cookies.org
This offer uses Google Analytics, a web analysis service of Google Inc. "("Google"). Google Analytics uses "cookies", which are text files placed on the user's computer, to help the website analyze how users use the site. The information generated by the cookie about the use of this website by users is usually transferred to a Google server in the USA and stored there.
However, if IP anonymisation is activated on this website, Google will reduce the IP addresses of users within Member States of the European Union or in other states party to the Agreement on the European Economic Area. Only in exceptional cases will the full IP address be transmitted to a Google server in the USA and shortened there. IP anonymization is active on this website. On behalf of the operator of this website, Google will use this information to evaluate the use of the website by the users, to compile reports on the website activities and to provide the website operator with further services associated with the use of the website and the Internet.
The IP address transmitted by your browser in the context of Google Analytics is not merged with other Google data. Users may refuse the use of cookies by selecting the appropriate settings on their browser, however, this site may not allow you to use the full functionality of this site. Users can also prevent Google from collecting the data generated by the cookie and relating to their use of the website (including their IP address) and from processing this data by Google by downloading and installing the browser plug-in available under the following link: tools.google.com/dlpage/gaoptout.
Further information on data use for advertising purposes by Google, possible settings and objections can be found on the Google websites: www.google.com/intl/de/policies/privacy/partners/ ("Data use by Google when using our partners' websites or apps"), www.google.com/policies/technologies/ads ("Data use for advertising purposes"), www.google.de/settings/ads ("Manage information that Google uses to show you advertising") and www.google.com/ads/preferences/ ("Determine which advertising Google shows you").
As an alternative to the browser add-on or within browsers on mobile devices, please click this link to prevent Google Analytics from collecting data on this website in the future. An opt-out cookie is stored on your device. If you delete your cookies, you must click this link again.
Our website uses the remarketing or “similar target groups” function by Google Inc. (1600 Amphitheatre Parkway, Mountain View, CA 94043, USA; “Google”). This function serves to analyse visitor behaviour and visitor interests.
Google uses cookies to analyse website use, forming the basis for producing interest-related adverts. Cookies allow for the recording of website visits as well as anonymised data on the use of the website. The personal data of website visitors is not saved. If you then visit another website in the Google display network you will then be shown adverts which are more likely to take previous areas of product and information interest into account. Your data may also be transmitted to the USA. Transmission of data to the USA is covered by an adequacy decision by the European Commission. Processing is carried out on the basis of art. 6 (1) lit. f GDPR due to our justified interest in addressing visitors to the website with targeted marketing by displaying personalised interest-related adverts when they visit other websites in the Google display network.
You have the right to veto this processing of your personal data according to art. 6 (1) lit. f GDPR by contacting us, for reasons relating to your personal situation. For this purpose you can permanently deactivate the use of cookies by following the link below and downloading and installing the plug-in: https://support.google.com/ads/answer/7395996?hl=en
Alternatively, you can deactivate the use of cookies by third parties by calling up the Network Advertising Initiative deactivation page at https://www.networkadvertising.org/choices/ and following the opt-out instructions. You can find more detailed information on Google remarketing as well as the associated data protection declaration at: https://www.google.com/privacy/ads/
Our website uses Bing Ads, provided by the Microsoft Corporation (Microsoft Corporation, One Microsoft Way, Redmond, WA 98052-6399, USA; “Microsoft”). If you click on an advert placed by Microsoft Bing Ads, a cookie is placed on your computer for conversion tracking. This cookie has a limited validity and does not serve purposes of personal identification. If you visit certain pages on our website and the cookie has not yet expired, we and Microsoft can recognise that you have clicked on the advert and were forwarded to this page. The information collected using the conversion cookie serves the purpose of producing conversion statistics. This allows us to find out the total number of users who have clicked on our adverts and were forwarded to a page equipped with a conversion tracking tag. It does not however enable personal identification of the user. Processing is carried out on the basis of Article 6 (1) f) GDPR due to our legitimate interest in targeted advertising and analysis of the effectiveness and efficiency of this advertising.On grounds relating to your particular situation, you have the right to object at any time to this processing of personal data concerning you and carried out in accordance with Article 6 (1) (f) GDPR. You can prevent the storage of cookies by choosing corresponding technical settings in your internet browser. After doing this, it is however possible that you will not be able to use all functions of the website fully. As a result, you will not be part of the conversion tracking statistics Following the US-EU Data Protection Agreement, Bing has become “Privacy Shield“ certified and is therefore obliged to observe European data protection laws. You can find further information on data protection and the cookies used by Microsoft Bing at: https://privacy.microsoft.com/de-de/privacystatement
If you register for our newsletter, we use the data required for this or separately communicated by you in order to send you our marketing e-mail newsletter on a regular basis.
Our e-mail newsletter provides you with interesting information about risk and receivables management, payment solutions, payment protection and our company.
You can unsubscribe from the e-mail newsletter at any time and either by sending an e-mail to marketing@universum-group.de or via a link provided for this purpose directly in the e-mail newsletter.
If you download images or click on a link in a UNIVERSUM Group newsletter or in one of our other marketing emails, this is automatically logged via the ClickDimensions email tracking service. The generated usage information is transferred to a server in Germany and stored there for statistical usage analyses. The results help us to improve the content of our newsletter. If you do not agree to the storage and analysis of this data, you can unsubscribe from the newsletter by clicking "Click here if you don't wish to receive these messages in the future" at the end of the e-mail.
This website uses Hotjar, an analysis software of Hotjar Ltd. "("Hotjar") (www.hotjar.com, Level 2, St Julian's Business Centre, 3, Elia Zammit Street, St Julian's STJ 1000, Malta, Europe). With Hotjar it is possible to measure and evaluate the usage behaviour (clicks, mouse movements, scroll heights, etc.) on our website. The information generated by the "tracking code" and "cookie" about your visit to our website is transmitted to and stored on Hotjar servers in Ireland. The tracking code collects the following information:
Device dependent data: The following information can be recorded by your device and browser.
IP address of your device - collected and stored in an anonymous format Your e-mail address, including your first and last name, if you have made it available to us via our website Screen size of your device Device type and browser information Geographical position (only the country) The preferred language to display our website user interactions Mouse events (motion, position and clicks) keystrokes
Log data: The following data is automatically generated by our servers when Hotjar is used.
Referring domain Visited Pages Geographical position (only the country) The preferred language to display our website Date and time when the website was accessed
Hotjar will use this information to evaluate your use of our website, generate usage reports and other services relating to website usage and Internet analysis of the website. Hotjar also uses third-party services such as Google Analytics and Optimizely. These third parties may store information that your browser sends when you visit the site, such as cookies or IP requests. For more information on how Google Analytics and Optimizely store and use data, please refer to their respective data protection declarations.
By continuing to use this website, you consent to the above processing of data by Hotjar and its third party providers within the scope of their privacy policy.
The cookies Hotjar uses have a different "lifetime"; some remain valid for up to 365 days, some only during the current visit.
You can prevent Hotjar from collecting the information by clicking on the following link and following the instructions there: www.hotjar.com/opt-out
Linking UNIVERSUM Group to one of our social networking sites, such as our Facebook page, is a simple link to third-party sites. We do not transfer any personal information to these other providers in the case of such a link. However, we would like to point out that the online offers of third parties basically have the possibility to recognize at least the origin of a visit. We have no influence on the data processing at third parties, therefore the UNIVERSUM Group data protection declaration does not extend to the websites of third parties.
2. share and like-buttons for UNIVERSUM Group content
At various points in our online offerings we offer you the opportunity to disseminate and recommend your content on social networks. This offers you a convenient alternative to copying and sending links.
When you visit our sites and use the referral features, we pass the URL to the social network of your choice. Some networks then immediately add an excerpt of the content we offer to the link. On most social networks, you will be asked for confirmation before saving or forwarding.
Please note that as UNIVERSUM Group we have no knowledge or control over how social networks deal with information you share and whether this information is made available to other websites. We recommend that you read the respective data protection information carefully.
3. linking UNIVERSUM Group offers with social networks
Our online services offer you optional functionalities whose use is linked to social networks such as Facebook, Twitter, LinkedIn or XING. If you use social networks, these functionalities make it easier for you to use the UNIVERSUM Group site.
At the same time, these functionalities allow us to adapt our content to your individual interests, e.g. to give you a few tips.
Social media networks have become indispensable in today's world. The UNIVERSUM Group fulfils the wish of many users to share interesting content on the pages of the UNIVERSUM Group quickly and easily in social networks. Therefore we have created the possibility to use these services with our social media buttons - but still to protect your privacy.
We use the Shariff social media buttons. This means that we protect your surfing behaviour from prying eyes.
Shariff prevents you from leaving a digital track on every page you visit and improves your privacy. You can liken, +1en or tweeten as usual without the social network receiving more information from you. A direct contact between social network and visitor is only established when the latter actively clicks on the share button. More information about Shariff and data protection can also be found here.
We offer you the following social media networks in our Shariff plugin: Facebook, Twitter, Google+, Xing and LinkedIn.
This site uses social plugins ("plugins") of the social network facebook.com, which is operated by Facebook Ireland Ltd, 4 Grand Canal Square, Grand Canal Harbour, Dublin 2, Ireland ("Facebook"). The plugins can be recognized by one of the Facebook logos (white "f" on blue tile, the terms "Like", "Like" or a "thumbs up" sign) or are marked with the addition "Facebook Social Plugin". The list and the appearance of the Facebook Social Plugins can be viewed here: developers.facebook.com/docs/plugins/.
When a user accesses a website on this site that contains such a plugin, his browser establishes a direct connection to Facebook's servers. The content of the plugin is transmitted directly from Facebook to your browser and integrated into the website. The provider therefore has no influence on the extent of the data that Facebook collects with the help of this plugin and therefore informs users according to their level of knowledge:
By integrating the plugins, Facebook receives information that a user has called up the corresponding page of the offer. If the user is logged in to Facebook, Facebook can assign the visit to his Facebook account. When users interact with the plugins, for example by pressing the Like button or making a comment, the corresponding information is transmitted directly from your browser to Facebook and stored there. If a user is not a member of Facebook, it is still possible for Facebook to obtain and store their IP address. According to Facebook, only an anonymized IP address is stored in Germany.
The purpose and scope of the data collection and the further processing and use of the data by Facebook, as well as the relevant rights and setting options for the protection of users' privacy, can be found in Facebook's data protection information: www.facebook.com/about/privacy/.
If a user is a Facebook member and does not want Facebook to use this offer to collect data about him or her and link it to his or her membership data stored on Facebook, he or she must log out of Facebook before visiting the website. Further settings and objections to the use of data for advertising purposes are possible within the Facebook profile settings: www.facebook.com/settings.
This offer uses the "+1″ button of the social network Google Plus, which is operated by Google Inc, 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States ("Google"). The button can be recognized by the sign "+1″ on a white or colored background.
When a user calls up a website of this offer that contains such a button, the browser establishes a direct connection to Google's servers. The content of the "+1″ button is transmitted by Google directly to its browser and integrated into the website. The provider therefore has no influence on the extent of the data that Google collects with the button. According to Google, no personal data is collected without a click on the button. Only with logged in members, such data, among other things the IP address, are raised and processed.
The purpose and scope of the data collection and the further processing and use of the data by Google as well as your rights and setting options for the protection of your privacy can be seen by the users of Google's data protection information on the "+1″ button: http://www.google.com/intl/de/+/policy/+1button.html and the FAQ: http://www.google.com/intl/de/+1/button/.
This site uses web site elements (https://dev.twitter.com/web/overview), such as buttons or embedded content from the Twitter service, offered by Twitter Inc, 795 Folsom St., Suite 600, San Francisco, CA 94107, USA. With the help of the website elements it is possible, for example, to share a contribution or page of this offer on Twitter or to follow the provider on Twitter. As further contents above all individual Tweets can be merged into the web page.
When a user visits a website on this website that contains such a website element, his browser establishes a direct connection to Twitter's servers. The content of the website element is transmitted directly from Twitter to the user's browser. The provider therefore has no influence on the extent of the data that Twitter collects with the help of the website elements and informs users according to their level of knowledge. After this only the IP address of the user the URL of the respective web page is transmitted with the purchase of the Buttons, but not for other purposes, than the representation of the web page element, used. Further information can be found in Twitter's privacy policy at http://twitter.com/privacy.
This site uses plugins from Google's YouTube site. This website is operated by YouTube, LLC, 901 Cherry Ave, San Bruno, CA 94066, USA. If you visit one of our pages equipped with a YouTube plugin, a connection to the YouTube servers is established. The Youtube server will be informed which of our pages you have visited.
When a user is logged in to his YouTube account, he enables YouTube to assign his surfing behavior directly to his personal profile. He can prevent this by logging out of his YouTube account.
Further information on the handling of user data can be found in YouTube's data protection declaration at https://www.google.de/intl/de/policies/privacy
Integration of third-party services and content
It may happen that third party content, such as videos from YouTube, maps from Google Maps, RSS feeds or graphics from other websites are integrated within this online offer. This always presupposes that the providers of this content (hereinafter referred to as "third party providers") are aware of the IP address of the users. Because without the IP address, they could not send the content to the browser of the respective user. The IP address is therefore required for the display of this content. We make every effort to use only those contents whose respective providers use the IP address only for the delivery of the contents. However, we have no influence on this if the third party providers store the IP address, e.g. for statistical purposes. As far as we know, we inform the users about this.
© UNIVERSUM Inkasso GmbH, Frankfurt am Main, Deutschland.
All rights reserved. Text, pictures and graphics as well as their organisation as well as the structure of the UNIVERSUM Group websites are subject to copyright protection of intellectual property and other rights. Duplication, Reproduction or Copying only with permission of the UNIVERSUM Inkasso GmbH.
Revocation, changes, corrections and updates
The user has the right, upon request and free of charge, to receive information about the personal data stored about him. In addition, the user has the right to correction of incorrect data, blocking and deletion of his personal data, insofar as there is no legal obligation to store such data. More information
We use cookies to help you get the most out of our website, personalize content for you and improve our service to you. In doing so, we take your interests into account and process data for our marketing, web analytics and personalisation only if you give us your consent by clicking on "Agree to all and continue". You can revoke your consent at any time with effect for the future. Under the link Cookie data protection information you will find the button "Revoke cookie consent". You will find further information on cookies and their adjustment options under the button "Show cookie settings".
We use cookies to help you get the most out of our website, personalize content for you and improve our service to you. Select your setting:
Required cookies help to make a website usable by enabling basic functions such as page navigation and access to secure areas of the website. The website cannot function properly without these cookies.
Statistics cookies help website owners understand how visitors interact with websites by collecting and reporting information anonymously.
Marketing cookies are used to follow visitors to websites. The intention is to show ads that are relevant and appealing to the individual user and therefore more valuable to publishers and third party advertisers.
