Privacy & security

onPoint Finanzen > Privacy & security

Your Trust. Our Responsibility.

At onPoint Finanzen, we recognize that privacy, data protection and information security are essential to maintaining a reliable and trustworthy relationship with our users.

Whether you are browsing our website, requesting information, submitting a financing enquiry or communicating with our team, we are committed to handling your personal and financial information responsibly and in accordance with applicable data protection and security requirements.

This Privacy & Security section provides an overview of our principal policies, safeguards and commitments.

1. Protecting Your Personal Information

The protection of personal information is an important part of our operations.

Depending on how you interact with our website and services, information may be collected and processed when you:

  • browse our website;
  • submit a contact form;
  • request information;
  • submit a financing enquiry;
  • communicate with our representatives;
  • request information about a financial product;
  • use an online service or application;
  • exercise your data protection rights; or
  • interact with cookies and similar technologies.

We seek to collect and process only information that is relevant and reasonably necessary for the purposes for which it is used.

2. GDPR & Data Protection

Where applicable, onPoint Finanzen processes personal data in accordance with the General Data Protection Regulation (GDPR) and other applicable data protection laws.

Depending on the circumstances, individuals may have rights including:

  • the right to access their personal data;
  • the right to request correction of inaccurate information;
  • the right to request deletion of personal data;
  • the right to restrict certain processing activities;
  • the right to object to certain processing;
  • the right to data portability;
  • the right to withdraw consent where processing is based on consent; and
  • the right to lodge a complaint with a competent data protection authority.

3. Protection of Financial Information

Financial information requires a high level of care and protection.

We seek to implement appropriate technical and organizational measures designed to protect personal and financial information against:

  • unauthorized access;
  • unauthorized disclosure;
  • accidental loss;
  • destruction;
  • alteration;
  • misuse;
  • fraudulent activity; and
  • other reasonably foreseeable security threats.

Security measures may include access controls, authentication mechanisms, encryption where appropriate, system monitoring, backups, security procedures and other safeguards appropriate to the nature of the information being processed.

However, no electronic transmission or information-storage system can be guaranteed to be completely secure.

4. Secure Communication

When communicating with onPoint Finanzen, users should take reasonable precautions to protect their own information.

We recommend that users:

  • keep passwords confidential;
  • never disclose authentication codes to unknown individuals;
  • verify suspicious communications;
  • avoid sending highly sensitive information through unsecured channels;
  • use official contact information when communicating with us; and
  • contact us directly when they suspect fraudulent activity.

We will never encourage users to disclose confidential authentication credentials through unsolicited communications.

5. Financing Applications

Information submitted as part of a financing enquiry may be used to:

  • process the enquiry;
  • assess the information provided;
  • communicate with the applicant;
  • verify information where legally permitted;
  • determine eligibility;
  • facilitate communication with relevant financial institutions or service providers;
  • comply with legal and regulatory obligations; and
  • prevent fraud or misuse.

Where information must be shared with another organization, such sharing will be undertaken only where legally permitted, necessary for the relevant purpose or otherwise supported by an appropriate legal basis.

Submitting an application does not guarantee approval of financing.

6. Fraud Prevention

Protecting users against fraudulent activity is an important security priority. Users should be particularly cautious of communications that:

  1. request unusual payments;
  2. request passwords or security codes;
  3. demand immediate action;
  4. contain suspicious links;
  5. request confidential financial information;
  6. use unfamiliar e-mail addresses;
  7. claim to represent onPoint Finanzen without appropriate verification; or
  8. promise guaranteed financing in exchange for an unusual upfront payment.

If you receive a suspicious communication claiming to represent onPoint Finanzen, do not provide confidential information until its authenticity has been independently verified.

7. Cookies & Similar Technologies

Our website may use cookies and similar technologies to support website functionality, security, analytics, performance and user preferences.

Depending on the type of technology used, these technologies may:

  • enable essential website functionality;
  • remember user preferences;
  • improve website performance;
  • provide statistical information;
  • help us understand how visitors use the website; or
  • support certain website features.

Where required by applicable law, consent will be requested before non-essential cookies are placed on a user’s device.

8. Data Minimization

We seek to follow the principle of data minimization.

This means that personal information should be collected and processed only to the extent reasonably necessary for legitimate and clearly defined purposes.

The categories of information collected may vary depending on the service requested and may include identification, contact, financial, employment or application-related information where such information is necessary and legally permissible.

9. Data Retention

Personal information is retained only for as long as reasonably necessary for the purpose for which it was collected, unless a longer retention period is required or permitted by law.

Retention periods may depend on:

  • the nature of the information;
  • the purpose of processing;
  • contractual requirements;
  • legal and regulatory obligations;
  • accounting requirements;
  • dispute-resolution requirements;
  • fraud-prevention requirements; and
  • applicable limitation periods.

Once information is no longer required, it may be securely deleted, anonymized or otherwise disposed of in accordance with applicable requirements.

10. Third-Party Service Providers

Certain technical, operational or business functions may be performed with the assistance of third-party service providers.

Depending on the services involved, these providers may assist with:

  • website hosting;
  • information technology;
  • communications;
  • security;
  • analytics;
  • document management;
  • customer support;
  • payment-related services; or
  • other legitimate operational functions.

Where third parties process personal information on our behalf, appropriate contractual, technical and organizational safeguards should be implemented where required by applicable law.

11. International Data Transfers

Where personal information is transferred outside the European Economic Area or another jurisdiction providing an adequate level of protection, appropriate safeguards will be implemented where required by applicable law.

Such safeguards may include recognized contractual mechanisms or other legally approved transfer mechanisms.

12. Website Security

We seek to maintain reasonable security measures for the protection of our website and associated systems.

Security measures may include:

  • access controls;
  • system monitoring;
  • security updates;
  • vulnerability management;
  • authentication controls;
  • backups;
  • malware protection;
  • network security measures; and
  • incident-response procedures.

Security measures may be updated periodically to respond to technological developments and emerging threats.

13. Responsible Use of Our Platform

Users are expected to use our website responsibly and lawfully.

Users must not attempt to:

  • gain unauthorized access to our systems;
  • interfere with website operations;
  • introduce malicious software;
  • obtain unauthorized access to another person’s information;
  • impersonate another person or organization;
  • submit fraudulent information; or
  • use the website for unlawful purposes.

Any suspected security vulnerability or suspicious activity should be reported through our official contact channels.

14. Your Responsibilities

While we take reasonable steps to protect information under our control, users also have an important role in maintaining security.

You should:

  • maintain the confidentiality of your account information;
  • use strong and unique passwords where applicable;
  • avoid sharing credentials;
  • keep your devices and software updated;
  • use secure networks whenever possible;
  • verify communications before providing sensitive information; and
  • notify us promptly if you believe your information has been compromised.

15. Risk & Financial Responsibility

Information available through our website is provided for general informational purposes unless expressly stated otherwise.

Financial products involve obligations and risks.

Users should carefully consider their financial circumstances and ability to meet repayment obligations before entering into any financing agreement.

Specific terms, interest rates, fees, eligibility requirements and repayment obligations may vary depending on the product and the relevant financial institution.

16. Legal & Regulatory Information

Our website and services may be subject to applicable financial, consumer-protection, data-protection and electronic-commerce legislation.

The availability of specific financial products may depend on the user’s country of residence, eligibility, applicable laws and the requirements of the relevant financial institution.

Nothing on this website should be interpreted as confirmation that a particular financial product is available to every user.

17. Our Security Commitment

We continuously seek to improve our information-security practices.

As technology and cybersecurity threats evolve, we may introduce additional safeguards, update existing systems and modify internal procedures where appropriate.

Our objective is to maintain a security framework that is proportionate to the nature and sensitivity of the information handled through our platform.

18. Contact Us

If you have questions regarding privacy, data protection or website security, you may contact us through our official contact channels.

onPoint Finanzen GmbH
Okrifteler Straße 43
65931 Frankfurt am Main
Germany

E-mail: support@onpointfinanzen.com
Telephone: +33 6 48 88 94 80

For privacy-related requests, please clearly indicate the nature of your request so that it can be directed to the appropriate department.

Our Commitment

At onPoint Finanzen, we believe that responsible handling of personal and financial information is fundamental to building long-term trust.

We therefore seek to maintain appropriate standards of privacy, transparency and information security throughout our digital services.

Last updated: September 2024

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