1.1. We are LoanLink GmbH (referred to as “we” or “us” or “our”). LoanLink’s registered address is at Schönhauser Allee 149, 10435 Berlin, and its registration number is 189481 B. LoanLink GmbH is committed to protecting and respecting your privacy.
1.2. We provide a platform via our website, https://loanlink.de (“Website”) and our app (“App”) for providing discretionary home loan advice and brokering mortgages. Any reference to the Website in this privacy Policy shall also include the App. These Terms apply to actual clients and anyone simply browsing our Website as a guest (either one referred to as “you” or “your”).
1.3. Please read this policy (“Privacy & Cookie Policy”) carefully as it sets out the basis on which we collect any personal information from you when you use our Website and how we use it. We will ask you to consent to our Website Terms and our Privacy & Cookies Policy when you first visit our Website. If you click “OK” or continue to browse and use the Digital Platform, you are agreeing to comply with and be bound by these Website Terms and our Privacy & Cookie Policy.
1.4. We may change this Privacy & Cookie Policy from time to time by updating this page. You should check this page from time to time to ensure you are happy with any changes. If you have any questions about this Privacy & Cookie Policy, please contact us at [email protected]
2.1. You can browse this Website without giving us any information, and we won’t know who you are. However, even if you are a guest, please bear in mind that we may:
2.2. We collect the information above by using cookies. Please see below for details on cookies.
3.1. We will provide you with our newsletter, information on our services and/or other marketing-related notices via email, in the case you have provided your prior consent. To this end, we make use of the online mailing service MailChimp. You will receive a confirmation email with regard to your registration. MailChimp enables us to analyse the use of the newsletter.
3.2. If you decide at any time that you no longer wish to receive the mails, please contact us by email at [email protected] or unsubscribe using the relevant link provided in the individual mails. We will always give you an opportunity to unsubscribe from receiving any mail.
4.1. You may request details of personal information which we hold about you. If you would like a copy of the information held on you please contact us by email at [email protected] Any access request may be subject to a small fee to meet our costs in providing you with details of the information we hold about you.
4.2. If you think any information we have about you is incorrect or incomplete, please email us at [email protected] as soon as possible. We will correct, delete or update any information as soon as possible.
5.1. We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our Website; any transmission is at your own risk.
5.2. We may link to other websites which are not within our control. Once you have left our Website, we cannot be responsible for the content of other websites or for the protection and privacy of any information which you provide on these websites. Please note that these websites have their own privacy policies and website terms and conditions
6.1. General
We use cookies and super cookies (i.e. local storage) (altogether “Cookies”) on our Website which amongst other things, helps us to improve your experience of our Website and to ensure that it performs as you expect it to. The use of any information gathered by Cookies will only be used under the terms of our Privacy & Cookie Policy. Cookies are text files containing small amounts of information, which are downloaded to your computer or mobile device by websites that you visit. Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from Cookies. They can improve your experience of using a website, for example, by remembering your preference settings and tracking your use of a website so that it can be improved to meet your needs.
6.2. Types of Cookies
We explain below what Cookies we use on our Website, why we use them and whether they are strictly necessary or another type of Cookie i.e. “functionality”, “performance” or “targeting” Cookies. When you first use our Website, all our Cookies will be turned on and you will have seen our alert about our use of Cookies. If you click “OK” or continue to browse the Website, we presume that you are happy for all Cookies to operate. Session Cookies allow website operators to link the actions of a user during a browser session. A browser session starts when you open the browser window and finishes when you close the browser window. Session Cookies are created temporarily. Once you close the browser, all session Cookies are deleted. Persistent Cookies remain on your device between browsing sessions. They are activated each time you visit the Website that created that particular Cookie. For example, where a persistent Cookie is used on a website to remember your log-in details, you will not need to enter those details each time you visit that website.
6.3. What Cookies do we use?
6.3.1. Strictly Necessary
These Cookies are essential to enable you to receive a service on a website. For example, Cookies to operate online shopping baskets, do your internet banking or to comply with the law (e.g. such as to keep your information safe). We would not be able to operate our Website without using the “strictly necessary” Cookies. These include in particular:
6.3.2. Performance
These Cookies collect information about how visitors use a website, for instance, which pages visitors go to most often and if they get error messages from web pages. These Cookies do not collect information that identifies a visitor; all information collected by these cookies is anonymous. We only use such information to improve our services and our Website.
6.3.3. Functionality & Profile
These Cookies allow the website to remember choices you make (such as your login details) and custom preference settings (e.g. text size). They also enable enhanced, more personal features, e.g. a website may be able to provide you with local weather reports or traffic news by using a Cookie to remember which region you are in. These Cookies are also used to provide services you have asked for such as watching a video. Information collected by “functionality” Cookies may or may not be anonymised, but they cannot track your browsing activity on other websites. The “functionality” Cookies on our Website only collect anonymous information. These Cookies include in particular:
6.3.4. Targeting, Conversion Tracking and Analysis
These Cookies collect information about your browsing habits and actions such as links clicked, mouse movements or any non-sensitive text entered on our Website. This allows us to make advertising relevant to you and your interests and also to improve the usability and customer experience of our Website. These Cookies collect the most information about users and may be placed by third parties who will be sent the information collected. These Cookies include in particular:
Note: You can opt out of Google Anayltics Cookies under https://tools.google.com/dlpage/gaoptout. You can deactivate the Hotjar Service under https://www.hotjar.com/opt-out.
6.4. Blocking and Deleting Cookies
You can control how Cookies are placed on your device from within your own browser. If you’ve disabled one or more Cookie categories, we may still use information collected from existing Cookies, but we’ll stop using the disabled Cookies to gather any further information. You can delete existing cookies from your browser. Blocking and deleting Cookies will have a negative impact impact on the usability of our Website. It may as well be that you will not be able use our Website at all.