{"id":44769,"date":"2026-09-05T00:05:36","date_gmt":"2026-09-05T00:05:36","guid":{"rendered":"https:\/\/onpointfinanzen.com\/?page_id=44769"},"modified":"2026-09-05T00:27:29","modified_gmt":"2026-09-05T00:27:29","slug":"privacy-security","status":"publish","type":"page","link":"https:\/\/onpointfinanzen.com\/index.php\/privacy-security\/","title":{"rendered":"Privacy &amp; security"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Your Trust. Our Responsibility.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At <strong>onPoint Finanzen<\/strong>, we recognize that privacy, data protection and information security are essential to maintaining a reliable and trustworthy relationship with our users.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n\n<p class=\"has-white-color has-black-background-color has-text-color has-background has-link-color wp-elements-1 wp-block-paragraph\">This Privacy &amp; Security section provides an overview of our principal policies, safeguards and commitments.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">1. Protecting Your Personal Information<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The protection of personal information is an important part of our operations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on how you interact with our website and services, information may be collected and processed when you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>browse our website;<\/li>\n\n\n\n<li>submit a contact form;<\/li>\n\n\n\n<li>request information;<\/li>\n\n\n\n<li>submit a financing enquiry;<\/li>\n\n\n\n<li>communicate with our representatives;<\/li>\n\n\n\n<li>request information about a financial product;<\/li>\n\n\n\n<li>use an online service or application;<\/li>\n\n\n\n<li>exercise your data protection rights; or<\/li>\n\n\n\n<li>interact with cookies and similar technologies.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">We seek to collect and process only information that is relevant and reasonably necessary for the purposes for which it is used.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2. GDPR &amp; Data Protection<\/h3>\n\n\n\n<p class=\"has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-2 wp-block-paragraph\">Where applicable, onPoint Finanzen processes personal data in accordance with the <strong>General Data Protection Regulation (GDPR)<\/strong> and other applicable data protection laws.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on the circumstances, individuals may have rights including:<\/p>\n\n\n\n<ul class=\"wp-block-list has-black-color has-text-color has-link-color wp-elements-3\">\n<li class=\"has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-4\">the right to access their personal data;<\/li>\n\n\n\n<li class=\"has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-5\">the right to request correction of inaccurate information;<\/li>\n\n\n\n<li class=\"has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-6\">the right to request deletion of personal data;<\/li>\n\n\n\n<li class=\"has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-7\">the right to restrict certain processing activities;<\/li>\n\n\n\n<li class=\"has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-8\">the right to object to certain processing;<\/li>\n\n\n\n<li class=\"has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-9\">the right to data portability;<\/li>\n\n\n\n<li class=\"has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-10\">the right to withdraw consent where processing is based on consent; and<\/li>\n\n\n\n<li class=\"has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-11\">the right to lodge a complaint with a competent data protection authority.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3. Protection of Financial Information<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Financial information requires a high level of care and protection.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We seek to implement appropriate technical and organizational measures designed to protect personal and financial information against:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>unauthorized access;<\/li>\n\n\n\n<li>unauthorized disclosure;<\/li>\n\n\n\n<li>accidental loss;<\/li>\n\n\n\n<li>destruction;<\/li>\n\n\n\n<li>alteration;<\/li>\n\n\n\n<li>misuse;<\/li>\n\n\n\n<li>fraudulent activity; and<\/li>\n\n\n\n<li>other reasonably foreseeable security threats.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-white-color has-black-background-color has-text-color has-background has-link-color wp-elements-12 wp-block-paragraph\">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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, no electronic transmission or information-storage system can be guaranteed to be completely secure.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">4. Secure Communication<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When communicating with onPoint Finanzen, users should take reasonable precautions to protect their own information.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We recommend that users:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>keep passwords confidential;<\/li>\n\n\n\n<li>never disclose authentication codes to unknown individuals;<\/li>\n\n\n\n<li>verify suspicious communications;<\/li>\n\n\n\n<li>avoid sending highly sensitive information through unsecured channels;<\/li>\n\n\n\n<li>use official contact information when communicating with us; and<\/li>\n\n\n\n<li>contact us directly when they suspect fraudulent activity.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">We will never encourage users to disclose confidential authentication credentials through unsolicited communications.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-13\">5. Financing Applications<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Information submitted as part of a financing enquiry may be used to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>process the enquiry;<\/li>\n\n\n\n<li>assess the information provided;<\/li>\n\n\n\n<li>communicate with the applicant;<\/li>\n\n\n\n<li>verify information where legally permitted;<\/li>\n\n\n\n<li>determine eligibility;<\/li>\n\n\n\n<li>facilitate communication with relevant financial institutions or service providers;<\/li>\n\n\n\n<li>comply with legal and regulatory obligations; and<\/li>\n\n\n\n<li>prevent fraud or misuse.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-white-color has-vivid-cyan-blue-background-color has-text-color has-background has-link-color wp-elements-14 wp-block-paragraph\">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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Submitting an application does not guarantee approval of financing.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">6. Fraud Prevention<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Protecting users against fraudulent activity is an important security priority. Users should be particularly cautious of communications that:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>request unusual payments;<\/li>\n\n\n\n<li>request passwords or security codes;<\/li>\n\n\n\n<li>demand immediate action;<\/li>\n\n\n\n<li>contain suspicious links;<\/li>\n\n\n\n<li>request confidential financial information;<\/li>\n\n\n\n<li>use unfamiliar e-mail addresses;<\/li>\n\n\n\n<li>claim to represent onPoint Finanzen without appropriate verification; or<\/li>\n\n\n\n<li>promise guaranteed financing in exchange for an unusual upfront payment.<\/li>\n<\/ol>\n\n\n\n<p class=\"has-white-color has-vivid-red-background-color has-text-color has-background has-link-color wp-elements-15 wp-block-paragraph\">If you receive a suspicious communication claiming to represent onPoint Finanzen, do not provide confidential information until its authenticity has been independently verified.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">7. Cookies &amp; Similar Technologies<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Our website may use cookies and similar technologies to support website functionality, security, analytics, performance and user preferences.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on the type of technology used, these technologies may:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>enable essential website functionality;<\/li>\n\n\n\n<li>remember user preferences;<\/li>\n\n\n\n<li>improve website performance;<\/li>\n\n\n\n<li>provide statistical information;<\/li>\n\n\n\n<li>help us understand how visitors use the website; or<\/li>\n\n\n\n<li>support certain website features.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Where required by applicable law, consent will be requested before non-essential cookies are placed on a user&#8217;s device.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">8. Data Minimization<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We seek to follow the principle of data minimization.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means that personal information should be collected and processed only to the extent reasonably necessary for legitimate and clearly defined purposes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">9. Data Retention<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Retention periods may depend on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the nature of the information;<\/li>\n\n\n\n<li>the purpose of processing;<\/li>\n\n\n\n<li>contractual requirements;<\/li>\n\n\n\n<li>legal and regulatory obligations;<\/li>\n\n\n\n<li>accounting requirements;<\/li>\n\n\n\n<li>dispute-resolution requirements;<\/li>\n\n\n\n<li>fraud-prevention requirements; and<\/li>\n\n\n\n<li>applicable limitation periods.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Once information is no longer required, it may be securely deleted, anonymized or otherwise disposed of in accordance with applicable requirements.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">10. Third-Party Service Providers<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Certain technical, operational or business functions may be performed with the assistance of third-party service providers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on the services involved, these providers may assist with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>website hosting;<\/li>\n\n\n\n<li>information technology;<\/li>\n\n\n\n<li>communications;<\/li>\n\n\n\n<li>security;<\/li>\n\n\n\n<li>analytics;<\/li>\n\n\n\n<li>document management;<\/li>\n\n\n\n<li>customer support;<\/li>\n\n\n\n<li>payment-related services; or<\/li>\n\n\n\n<li>other legitimate operational functions.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Where third parties process personal information on our behalf, appropriate contractual, technical and organizational safeguards should be implemented where required by applicable law.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">11. International Data Transfers<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Such safeguards may include recognized contractual mechanisms or other legally approved transfer mechanisms.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">12. Website Security<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We seek to maintain reasonable security measures for the protection of our website and associated systems.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Security measures may include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>access controls;<\/li>\n\n\n\n<li>system monitoring;<\/li>\n\n\n\n<li>security updates;<\/li>\n\n\n\n<li>vulnerability management;<\/li>\n\n\n\n<li>authentication controls;<\/li>\n\n\n\n<li>backups;<\/li>\n\n\n\n<li>malware protection;<\/li>\n\n\n\n<li>network security measures; and<\/li>\n\n\n\n<li>incident-response procedures.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Security measures may be updated periodically to respond to technological developments and emerging threats.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">13. Responsible Use of Our Platform<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Users are expected to use our website responsibly and lawfully.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Users must not attempt to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>gain unauthorized access to our systems;<\/li>\n\n\n\n<li>interfere with website operations;<\/li>\n\n\n\n<li>introduce malicious software;<\/li>\n\n\n\n<li>obtain unauthorized access to another person&#8217;s information;<\/li>\n\n\n\n<li>impersonate another person or organization;<\/li>\n\n\n\n<li>submit fraudulent information; or<\/li>\n\n\n\n<li>use the website for unlawful purposes.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Any suspected security vulnerability or suspicious activity should be reported through our official contact channels.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">14. Your Responsibilities<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">While we take reasonable steps to protect information under our control, users also have an important role in maintaining security.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You should:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>maintain the confidentiality of your account information;<\/li>\n\n\n\n<li>use strong and unique passwords where applicable;<\/li>\n\n\n\n<li>avoid sharing credentials;<\/li>\n\n\n\n<li>keep your devices and software updated;<\/li>\n\n\n\n<li>use secure networks whenever possible;<\/li>\n\n\n\n<li>verify communications before providing sensitive information; and<\/li>\n\n\n\n<li>notify us promptly if you believe your information has been compromised.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">15. Risk &amp; Financial Responsibility<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Information available through our website is provided for general informational purposes unless expressly stated otherwise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Financial products involve obligations and risks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Users should carefully consider their financial circumstances and ability to meet repayment obligations before entering into any financing agreement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Specific terms, interest rates, fees, eligibility requirements and repayment obligations may vary depending on the product and the relevant financial institution.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">16. Legal &amp; Regulatory Information<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Our website and services may be subject to applicable financial, consumer-protection, data-protection and electronic-commerce legislation.<\/p>\n\n\n\n<p class=\"has-white-color has-vivid-cyan-blue-background-color has-text-color has-background has-link-color wp-elements-16 wp-block-paragraph\">The availability of specific financial products may depend on the user&#8217;s country of residence, eligibility, applicable laws and the requirements of the relevant financial institution.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nothing on this website should be interpreted as confirmation that a particular financial product is available to every user.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">17. Our Security Commitment<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We continuously seek to improve our information-security practices.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As technology and cybersecurity threats evolve, we may introduce additional safeguards, update existing systems and modify internal procedures where appropriate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our objective is to maintain a security framework that is proportionate to the nature and sensitivity of the information handled through our platform.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">18. Contact Us<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you have questions regarding privacy, data protection or website security, you may contact us through our official contact channels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>onPoint Finanzen GmbH<\/strong><br>Okrifteler Stra\u00dfe 43<br>65931 Frankfurt am Main<br>Germany<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>E-mail:<\/strong> <a href=\"mailto:support@onpointfinanzen.com\">support@onpointfinanzen.com<\/a><br><strong>Telephone:<\/strong> +33 6 48 88 94 80<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For privacy-related requests, please clearly indicate the nature of your request so that it can be directed to the appropriate department.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Our Commitment<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At onPoint Finanzen, we believe that responsible handling of personal and financial information is fundamental to building long-term trust.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We therefore seek to maintain appropriate standards of privacy, transparency and information security throughout our digital services.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Last updated: September 2024<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00a9 2026 onPoint Finanzen. All rights reserved.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-44769","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/onpointfinanzen.com\/index.php\/wp-json\/wp\/v2\/pages\/44769","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/onpointfinanzen.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/onpointfinanzen.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/onpointfinanzen.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/onpointfinanzen.com\/index.php\/wp-json\/wp\/v2\/comments?post=44769"}],"version-history":[{"count":6,"href":"https:\/\/onpointfinanzen.com\/index.php\/wp-json\/wp\/v2\/pages\/44769\/revisions"}],"predecessor-version":[{"id":44791,"href":"https:\/\/onpointfinanzen.com\/index.php\/wp-json\/wp\/v2\/pages\/44769\/revisions\/44791"}],"wp:attachment":[{"href":"https:\/\/onpointfinanzen.com\/index.php\/wp-json\/wp\/v2\/media?parent=44769"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}