{"id":242,"date":"2026-05-04T17:18:57","date_gmt":"2026-05-04T15:18:57","guid":{"rendered":"https:\/\/universcapital.net\/?page_id=242"},"modified":"2026-08-07T14:54:06","modified_gmt":"2026-08-07T12:54:06","slug":"privacy","status":"publish","type":"page","link":"https:\/\/www.universcapital.de\/en\/privacy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-motxw419-779b1f7a3d2a4163eb1403dd4d71fc53\">\n.avia-section.av-motxw419-779b1f7a3d2a4163eb1403dd4d71fc53{\nbackground-color:#1a1a2e;\nbackground-image:unset;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-motxw419-779b1f7a3d2a4163eb1403dd4d71fc53 main_color avia-section-default avia-no-border-styling  avia-builder-el-0  avia-builder-el-no-sibling  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-242'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-4myx-578ad018dc6ef071c556bd1198099602 av_one_half  avia-builder-el-1  el_before_av_one_half  avia-builder-el-first  first flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-motxx1a3-eb7379d91b06dde037c9fb85fc1cad21\">\n#top .av-special-heading.av-motxx1a3-eb7379d91b06dde037c9fb85fc1cad21{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-motxx1a3-eb7379d91b06dde037c9fb85fc1cad21 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-motxx1a3-eb7379d91b06dde037c9fb85fc1cad21 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-motxx1a3-eb7379d91b06dde037c9fb85fc1cad21 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-motxx1a3-eb7379d91b06dde037c9fb85fc1cad21 av-special-heading-h1 custom-color-heading blockquote modern-quote  avia-builder-el-2  avia-builder-el-no-sibling '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Data Protection<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div><div  class='flex_column av-43tr-69ab43cbbedd3610e84f0390d2dd7059 av_one_half  avia-builder-el-3  el_after_av_one_half  avia-builder-el-last  flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-moty43sv-dc4691fcb6cfc396171da2dff93fe7de\">\n#top .av_textblock_section.av-moty43sv-dc4691fcb6cfc396171da2dff93fe7de .avia_textblock{\ncolor:#ffffff;\n}\n<\/style>\n<section  class='av_textblock_section av-moty43sv-dc4691fcb6cfc396171da2dff93fe7de '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><p><strong>Privacy Policy of UNIVERS Capital GmbH<\/strong><\/p>\n<p><strong>\u00a7 1 General Information on the Structure of Our Website and This Privacy Policy<\/strong><br \/>\nThe following general information provides details on the structure of the website and the organization of the operators. It applies regardless of where you are on our website and which functions you use.<br \/>\nTo provide you with a clear overview of where and how we process your personal data, you will find three additional subpages linked above this text. These pages provide information on the respective data processing activities when visiting our website, after registering with UNIVERS Capital, and regarding the handling of your data as part of an application process.<br \/>\nThe website \u201cuniverscapital.de\u201d and its subpages are operated by \u201cUNIVERS Capital GmbH\u201d. UNIVERS Capital GmbH provides the website and makes the UNIVERS platform available to the project companies as a service provider for their financial offerings.<br \/>\nAs soon as your visit to the website goes beyond mere viewing and an interaction with the visitor takes place \u2014 for example, when the visitor clicks on the \u201cRegister\u201d or \u201cCustomer Portal\u201d fields \u2014 the visitor leaves the homepage of UNIVERS Capital GmbH and enters the platform, which falls within the area of responsibility of the respective project companies.<br \/>\nThe type, scope, and purpose of the processing of personal data, as well as the identity of the responsible entity, may vary depending on which part of the website you are using.<br \/>\nBoth operators of these websites take the protection of your personal data very seriously. Your data is treated confidentially and processed in accordance with the applicable data protection regulations and this privacy policy.<\/p>\n<p><strong>\u00a7 2 Data Protection on the Website<\/strong><br \/>\nWhen you access this website, various types of personal data are processed. Personal data refers to information that can be used to identify you personally.<br \/>\nThis privacy policy explains which data we collect and how we use it. It also explains how and for what purposes this processing takes place.<br \/>\nIf we receive personal data from you through other channels (e.g., by email), this privacy policy also applies.<br \/>\nPlease note that data transmission over the Internet (e.g., communication by email) may have security vulnerabilities. Complete protection of data against access by third parties cannot be guaranteed.<br \/>\nIf you have any questions regarding this privacy policy or the processing of your personal data, please contact the following responsible entity:<\/p>\n<p>Controller responsible for data processing<br \/>\nUNIVERS Capital GmbH<br \/>\nGrolmanstra\u00dfe 36<br \/>\n10623 Berlin, Germany<br \/>\nTechnical Support: +49 (0) 30 \u2013 810 56 61 18<br \/>\nEmail: datenschutz@universcapital.de<\/p>\n<p>\u2014 hereinafter also referred to as \u201cUNIVERS Capital GmbH\u201d<\/p>\n<p>The processing of data on this website is carried out by the website operator. As the provider of this website, we are both the controller within the meaning of Article 4(7) GDPR and the service provider within the meaning of Section 2 No. 1 TTDSG.<\/p>\n<p>Legal Basis for Data Processing<br \/>\nThe processing of your personal data takes place exclusively:<\/p>\n<p>i) on the basis of your consent,<br \/>\nii) for the performance of a contractual relationship,<br \/>\niii) based on the legitimate interest of the controller in processing the data, or<br \/>\niv) for compliance with a legal obligation or the performance of a task carried out in the public interest.<br \/>\nWithdrawal of Your Consent to Data Processing<br \/>\nIf data processing is based on your explicit consent, you may withdraw this consent at any time without providing reasons and with effect for the future.<br \/>\nAn informal notification by email is sufficient.<br \/>\nThe lawfulness of data processing carried out before the withdrawal remains unaffected.<\/p>\n<p>Right to Object to Data Collection in Special Cases and to Direct Marketing (Article 21 GDPR)<br \/>\nIf data processing is based on the legitimate interest of the controller or on tasks carried out in the public interest (Article 6(1)(e) or (f) GDPR), you have the right to object to the processing of your personal data at any time for reasons arising from your particular situation.<br \/>\nThis also applies to profiling based on these provisions.<br \/>\nThe respective legal basis for each processing activity can be found in this privacy policy.<br \/>\nIf you object, we will no longer process your affected personal data unless we can demonstrate compelling legitimate grounds for the processing that override your interests, rights, and freedoms, or if the processing serves the establishment, exercise, or defence of legal claims (objection pursuant to Article 21(1) GDPR).<br \/>\nIf your personal data is processed for direct marketing purposes, you have the right to object at any time to the processing of your personal data for such advertising purposes. This also applies to profiling insofar as it is related to such direct marketing.<br \/>\nIf you object, your personal data will subsequently no longer be used for direct marketing purposes (objection pursuant to Article 21(2) GDPR).<\/p>\n<p>Data Subject Rights<br \/>\nUnder applicable data protection laws, you have extensive rights regarding your personal data. You can exercise these rights by contacting us via email at datenschutz@universcapital.de.<br \/>\nThese rights include, in particular:<\/p>\n<p>Right of Access<br \/>\nUpon request, UNIVERS Capital will provide you, within the legally prescribed period, with comprehensive information about all personal data stored by UNIVERS Capital concerning you.<br \/>\nThis information includes not only the personal data itself but also the purpose and nature of the processing.<\/p>\n<p>Right to Rectification<br \/>\nYou have the right to request that UNIVERS Capital correct, complete, or update your personal data at any time.<br \/>\nIn certain circumstances, UNIVERS Capital may require proof of your identity before fulfilling this request.<\/p>\n<p>Right to Data Portability<br \/>\nWhere technically feasible, you have the right to have all personal data stored by UNIVERS Capital concerning you transferred to another company.<\/p>\n<p>Right to Erasure<br \/>\nUpon your request, UNIVERS Capital will delete all personal data relating to you that is stored by UNIVERS Capital within the legally required period.<br \/>\nIf a statutory retention obligation exists, the data will only be deleted after the expiry of this retention period. Until then, the data will be blocked internally and not used for other purposes.<\/p>\n<p>Right to Restriction of Processing<br \/>\nYou have the right to request the restriction of the processing of your personal data.<br \/>\nThe right to restriction applies in the following cases:<br \/>\nIf you dispute the accuracy of your personal data stored by us, we generally require time to verify this. During the verification period, you have the right to request restriction of the processing of your personal data.<br \/>\nIf the processing of your personal data was or is unlawful, you may request restriction of processing instead of deletion.<br \/>\nIf we no longer require your personal data, but you require it for the establishment, exercise, or defence of legal claims, you have the right to request restriction of processing instead of deletion.<br \/>\nIf you have objected to processing pursuant to Article 21(1) GDPR, a balance must be made between your interests and ours. Until it has been determined whose interests prevail, you have the right to request restriction of processing of your personal data.<br \/>\nIf processing of your personal data has been restricted, such data \u2014 apart from storage \u2014 may only be processed with your consent or for the establishment, exercise, or defence of legal claims, for the protection of the rights of another natural or legal person, or for reasons of important public interest of the European Union or a Member State.<br \/>\nRight to Lodge a Complaint with the Competent Supervisory Authority<br \/>\nIn the event of violations of the GDPR, data subjects have the right to lodge a complaint with a supervisory authority, in particular in the Member State of their habitual residence, place of work, or the place of the alleged infringement.<br \/>\nThis right exists without prejudice to any other administrative or judicial remedies.<\/p>\n<p>Data Security<br \/>\nSSL and TLS Encryption<br \/>\nFor security reasons and to protect the transmission of confidential content, such as orders or inquiries submitted to us as website operators, this website uses SSL or TLS encryption.<br \/>\nYou can recognise an encrypted connection by the change in the browser address bar from \u201chttp:\/\/\u201d to \u201chttps:\/\/\u201d and by the padlock symbol displayed in your browser.<br \/>\nWhen SSL or TLS encryption is activated, the data you transmit to us cannot be read by third parties.<br \/>\nEncrypted Payment Transactions on This Website<br \/>\nIf, after concluding a paid contract, you are required to provide us with payment details (e.g., bank account details for direct debit payments), these details are required for payment processing.<br \/>\nPayment transactions using standard payment methods (direct debit procedures) are carried out exclusively via an encrypted SSL or TLS connection.<br \/>\nYou can identify an encrypted connection by the change in the browser address bar from \u201chttp:\/\/\u201d to \u201chttps:\/\/\u201d and the padlock symbol in your browser.<br \/>\nWhen communication is encrypted, payment data transmitted by you cannot be accessed by third parties.<\/p>\n<p><strong>\u00a7 3 Recording of Telephone Conversations<\/strong><br \/>\nTelephone conversations between UNIVERS Capital and platform customers are recorded in accordance with the requirements of the MiFID II conduct-of-business rules.<br \/>\nThis obligation to record and retain recordings results from Section 83 (3) of the German Securities Trading Act (WpHG) as a specification of Delegated Regulation (EU) 2017\/565 and the minimum requirements for risk management issued by BaFin (MaRisk BTO 2.2.1 (No. 4)).<br \/>\nAccordingly, data processing is carried out to fulfil legal obligations pursuant to Article 6(1)(c) GDPR.<br \/>\nThe information regarding the responsible entity and data subject rights under Section 2 applies accordingly.<br \/>\nDuring the recording of telephone conversations, we process not only the content of the conversation but also technical information generated by the telephone system or provided by the telecommunications provider.<br \/>\nThis includes:<\/p>\n<p>the telephone numbers involved in the conversation,<br \/>\nthe start time of the conversation,<br \/>\nthe duration of the conversation.<br \/>\nRecording must always be expected without additional notification if the conversation takes place within UNIVERS Capital\u2019s trading area.<br \/>\nWithin UNIVERS Capital, access to your data is granted only to those departments that require it to fulfil the purpose of processing or legal requirements.<br \/>\nTo fulfil legal obligations, access to recorded data may be granted to employees, competent supervisory authorities, and auditors.<br \/>\nIn the event of legal disputes, we may transfer recordings to lawyers and courts if legally required to do so or if necessary to protect our legal interests.<br \/>\nFor the operation of our telephone systems, we use service providers who work strictly according to our instructions and are required to maintain an appropriate level of data protection (so-called processors).<br \/>\nThese service providers do not process your data for purposes other than those specified by us.<br \/>\nThe retention period for recorded data is generally five or seven years pursuant to Section 83(8) WpHG.<br \/>\nIf special circumstances justify a legitimate interest of UNIVERS Capital in retaining recordings for a longer period, retention may take place for a maximum period of ten years and two weeks.<br \/>\nAfter expiry of this period, the data will be automatically deleted.<\/p>\n<p><strong>\u00a7 4 Data Protection Officer<\/strong><\/p>\n<p>Legally Required Data Protection Officer<br \/>\nWe have appointed an external data protection officer for UNIVERS Capital GmbH.<br \/>\nYou can contact the data protection officer at:<br \/>\nUNIVERS Capital GmbH<br \/>\nData Protection Officer<br \/>\nGrolmanstra\u00dfe 36<br \/>\n10623 Berlin, Germany<br \/>\nPhone: +49 (0) 30 \u2013 810 56 61 18<br \/>\nEmail: datenschutz@universcapital.de<\/p>\n<p><strong>\u00a7 5 Retention Period<\/strong><br \/>\nYour data will be stored for as long as necessary to provide our services.<br \/>\nIf longer storage is required due to legal regulations, the data will be stored until the expiry of the relevant retention period.<\/p>\n<p><strong>\u00a7 6 Copyright<\/strong><br \/>\nThe contents of our website, in particular the products presented and the data provided, are protected by copyright.<br \/>\nThe contents may not be reproduced and\/or published in whole or in part or stored in an information system without prior written consent.<br \/>\nThe presentation of this website in external frames is only permitted with explicit written approval.<\/p>\n<p><strong>\u00a7 7 Scope of Application of This Privacy Policy<\/strong><br \/>\nThis privacy policy applies exclusively to the shared website operated by UNIVERS Capital.<br \/>\nThis privacy policy does not apply to services offered by other companies or individuals, including products or websites displayed in search results, websites that may contain services provided by UNIVERS Capital GmbH, or other websites linked to UNIVERS Capital GmbH services.<br \/>\nThis privacy policy does not cover how other companies or organisations process information that advertise services and may use cookies, pixel tags, or other technologies to provide and deliver relevant advertisements.<\/p>\n<p><strong>\u00a7 8 Analytics Tools and Advertising<\/strong><br \/>\nIf cookies are used on our websites for analytics or advertising purposes, we will inform you about this through the cookie consent technology provided by Usercentrics.<br \/>\nUnless the cookies used are classified as essential, you have the option to grant or withdraw your consent.<br \/>\nFurther information regarding the cookies currently in use and your consent status can be accessed via the fingerprint icon in the lower left corner of our homepage.<\/p>\n<p><strong>\u00a7 9 Changes<\/strong><br \/>\nAn update of the content of this privacy policy may become necessary due to organisational, legal, or regulatory changes.<br \/>\nThe most current version of this privacy policy is always published on this website.<\/p>\n<p><strong>\u00a7 10 Newsletter<\/strong><br \/>\nNewsletter Data<br \/>\nYou may subscribe to our newsletter at any time, regardless of whether you are registered with us.<br \/>\nIf you wish to receive our newsletter, we require your email address and information that allows us to verify that you are the owner of the email address provided and that you consent to receiving the newsletter, as this is a process independent of registration.<br \/>\nNo additional data is collected unless provided voluntarily.<br \/>\nWe use this data exclusively for sending the requested information and do not share it with third parties.<br \/>\nThe processing of the data entered into the newsletter registration form is based exclusively on your consent (Article 6(1)(a) GDPR).<br \/>\nYou may withdraw your consent to the storage of your data, your email address, and its use for sending newsletters at any time by contacting us via email at datenschutz@universcapital.de or by using the \u201cunsubscribe\u201d link contained in the newsletter.<br \/>\nThe lawfulness of processing carried out before withdrawal remains unaffected.<br \/>\nThe data stored by us for the purpose of newsletter subscription will be retained until you unsubscribe from the newsletter and will then be deleted.<br \/>\nData stored by us for other purposes remains unaffected.<\/p>\n<p>Newsletter Service Provider<br \/>\nNewsletter distribution is carried out using the service provider Braze.<br \/>\nThe privacy policy of the service provider can be found here:<\/p>\n<p>https:\/\/www.braze.com\/company\/legal\/privacy\/<br \/>\nThe service provider is used on the basis of our legitimate interests pursuant to Article 6(1)(f) GDPR and a data processing agreement pursuant to Article 28(3)(1) GDPR.<br \/>\nIf personal data is transferred to the United States, the service provider must comply with the requirements of the Standard Contractual Clauses pursuant to Article 46 GDPR.<br \/>\nThe use of personal data transmitted to the service provider takes place exclusively according to instructions from UNIVERS Capital and based on the data processing agreement.<br \/>\nIn addition, the service provider is entitled to use the transmitted recipient data in pseudonymised form \u2014 meaning without assigning it to an individual user \u2014 to optimise or improve its own services, for example:<\/p>\n<p>technical optimisation of newsletter delivery,<br \/>\nimprovement of newsletter presentation,<br \/>\nstatistical analysis.<\/p>\n<p>Performance Measurement (iGoDigital)<br \/>\nThe newsletters contain a so-called web beacon, i.e. a pixel-sized file that is retrieved from our server or, if a newsletter service provider is used, from that provider\u2019s server when the newsletter is opened.<br \/>\nDuring this retrieval, technical information is collected, including:<\/p>\n<p>browser information,<br \/>\nsystem information,<br \/>\nIP address,<br \/>\ntime of retrieval.<br \/>\nThis information is used to technically improve our services and to analyse target groups and reading behaviour based on:<br \/>\nretrieval locations (which can be determined using the IP address),<br \/>\naccess times.<\/p>\n<p>Statistical analysis also includes determining:<\/p>\n<p>whether newsletters are opened,<br \/>\nwhen they are opened,<br \/>\nwhich links are clicked.<\/p>\n<p>For technical reasons, this information may be assigned to individual newsletter recipients.<br \/>\nHowever, neither we nor, where applicable, our service provider intend to monitor individual users.<br \/>\nThe analysis is used solely to understand the reading habits of our users and to adapt our content accordingly or send different content based on user interests.<br \/>\nA separate withdrawal of consent for performance measurement is unfortunately not possible.<br \/>\nIn this case, the entire newsletter subscription must be cancelled.<br \/>\nFor this purpose, the iGoDigital cookie may also be used on our website.<\/p>\n<p><strong>\u00a7 11 Plugins and Tools<\/strong><\/p>\n<p>Google Tag Manager<br \/>\nGoogle Tag Manager is a solution that allows us to manage so-called website tags via an interface (and thus integrate Google Analytics and other Google marketing services into our online offering).<br \/>\nThe Tag Manager itself (which implements the tags) does not process any personal data of users.<br \/>\nWith regard to the processing of users\u2019 personal data, please refer to the following information regarding Google services.<br \/>\nUsage guidelines:<br \/>\nhttps:\/\/www.google.com\/intl\/de\/tagmanager\/use-policy.html<\/p>\n<p><strong>Google Web Fonts<\/strong><br \/>\nThis website uses so-called web fonts provided by Google to ensure a consistent presentation of fonts.<br \/>\nWhen you access a page, your browser loads the required web fonts into your browser cache in order to display texts and fonts correctly.<br \/>\nFor this purpose, the browser you use must connect to Google\u2019s servers.<br \/>\nAs a result, Google becomes aware that our website has been accessed via your IP address.<br \/>\nThe use of Google Web Fonts serves to ensure a consistent, appealing, and above all understandable presentation of our online services.<br \/>\nEnsuring the comprehensibility and consistent, device-independent readability of our services is necessary for effective contract conclusion and is therefore required within the meaning of Article 6(1)(b) GDPR.<br \/>\nIf your browser does not support web fonts, a standard font installed on your computer will be used.<br \/>\nFurther information on Google Web Fonts can be found at:<br \/>\nhttps:\/\/developers.google.com\/fonts\/faq<br \/>\nand in Google\u2019s privacy policy:<br \/>\nhttps:\/\/policies.google.com\/privacy?hl=en<\/p>\n<p><strong>Zenloop<\/strong><br \/>\nTo optimise our website and our products, we ask you to provide feedback and rate our services.<br \/>\nFor this purpose, we use the so-called Net Promoter Score (NPS).<br \/>\nThis serves to protect our legitimate interests, based on a balancing of interests, in the optimal marketing and improvement of our services pursuant to Article 6(1)(f) GDPR.<br \/>\nThe NPS service is provided by:<\/p>\n<p>zenloop GmbH<br \/>\nBrunnenstra\u00dfe 196<br \/>\n10119 Berlin, Germany<\/p>\n<p>When submitting a rating, the web server automatically stores a so-called server log file containing, for example:<\/p>\n<p>your IP address,<br \/>\ndate and time of access,<br \/>\namount of data transferred,<br \/>\nrequesting provider.<br \/>\nThese access data are not analysed and are automatically overwritten no later than seven days after the end of your website visit.<\/p>\n<p><strong>Salesforce<\/strong><br \/>\nWe use the CRM system provided by:<\/p>\n<p>salesforce.com Germany GmbH<br \/>\nErika-Mann-Str. 31<br \/>\n80636 Munich, Germany<\/p>\n<p>The system is used to process user enquiries more quickly and efficiently (legitimate interest pursuant to Article 6(1)(f) GDPR).<br \/>\nSalesforce uses user data exclusively for the technical processing of enquiries and does not disclose it to third parties.<br \/>\nTo use Salesforce, at least a valid email address must be provided.<br \/>\nPseudonymous use is possible.<br \/>\nDuring the processing of service enquiries, it may become necessary to collect additional data, such as:<\/p>\n<p>name,<br \/>\naddress.<br \/>\nIf users do not agree to the collection and storage of data in Salesforce\u2019s external system, we offer alternative contact options for submitting service requests via:<br \/>\nemail,<br \/>\ntelephone,<br \/>\nfax,<br \/>\npost.<br \/>\nFurther information can be found in Salesforce\u2019s privacy policy:<br \/>\nhttps:\/\/www.salesforce.com\/de\/company\/privacy\/<\/p>\n<p><strong>\u00a7 12 Additional Service Providers<\/strong><\/p>\n<p>Trustpilot A\/S<br \/>\nUNIVERS Capital GmbH may contact users of the platform by email and invite them to review our services and\/or products in order to further optimise them (the \u201cpurpose\u201d).<br \/>\nFor the purpose of obtaining customer feedback, we cooperate with an external company:<br \/>\nTrustpilot A\/S (\u201cTrustpilot\u201d)<br \/>\nFor this purpose, we share the following user data with Trustpilot:<\/p>\n<p>name,<br \/>\nemail address,<br \/>\nreference number.<\/p>\n<p>Users who would like to learn more about how Trustpilot processes their data can consult Trustpilot\u2019s privacy policy.<br \/>\nUNIVERS Capital GmbH may also use such reviews in other advertising materials and promotional content for marketing and sales purposes.<\/p>\n<p><strong>\u00a7 13 Data Processing When Visiting Our Website<\/strong><br \/>\nAs soon as you access our website, your personal data is processed by us through the use of cookies.<br \/>\nInitially, only your IP address is processed, insofar as this is necessary for the operation of our website.<br \/>\nWhen you visit our website for the first time, a cookie banner will appear in accordance with Section 25 TTDSG, allowing you to select the scope of further data processing by choosing specific cookie categories.<br \/>\nYou can change your selection at any time afterwards within the cookie settings.<\/p>\n<p>Responsibility<br \/>\nThe processing of cookies in connection with your visit to our website is the responsibility of UNIVERS Capital GmbH.<\/p>\n<p>Cookies<br \/>\nWebsites sometimes use so-called cookies.<br \/>\nCookies do not cause any damage to your computer and do not contain viruses.<br \/>\nCookies help us make our services more user-friendly, effective, and secure.<br \/>\nCookies are small text files stored on your computer and saved by your browser.<\/p>\n<p>Three categories of cookies are distinguished:<\/p>\n<p>Essential cookies required to ensure basic functions of the website.<br \/>\nFunctional cookies used to provide and improve website services.<br \/>\nMarketing cookies used to display advertisements relevant to your interests.<\/p>\n<p>Most of the cookies we use are so-called session cookies. These are automatically deleted after the end of your visit.<br \/>\nOther cookies remain stored on your device until you delete them.<br \/>\nThese cookies enable us to recognise your browser during your next visit.<br \/>\nOnly device and browser information is stored for this purpose.<\/p>\n<p>You can configure your browser settings so that:<\/p>\n<p>you are informed when cookies are set,<br \/>\ncookies are accepted only in individual cases,<br \/>\ncookies are generally rejected,<br \/>\ncookies are automatically deleted when closing the browser.<br \/>\nDisabling cookies may limit the functionality of this website.<\/p>\n<p><strong>Cookie Consent with Usercentrics<\/strong><br \/>\nThis website uses the cookie consent technology of Usercentrics to obtain your consent for storing certain cookies on your device or using certain technologies and to document this consent in compliance with data protection regulations.<br \/>\nThe provider of this technology is:<\/p>\n<p>Usercentrics GmbH<br \/>\nRosental 4<br \/>\n80331 Munich, Germany<br \/>\nWebsite: https:\/\/usercentrics.com\/de\/<\/p>\n<p>(hereinafter \u201cUsercentrics\u201d)<br \/>\nWhen you access our website, the following personal data is transmitted to Usercentrics:<\/p>\n<p>your consent(s) or withdrawal(s) of consent,<br \/>\nyour IP address,<br \/>\ninformation about your browser,<br \/>\ninformation about your device,<br \/>\ntime of your visit to the website.<br \/>\nIn addition, Usercentrics stores a cookie in your browser to associate your given consent or withdrawal of consent.<\/p>\n<p>The data collected in this way is stored until:<\/p>\n<p>you request deletion,<br \/>\nyou delete the Usercentrics cookie yourself,<br \/>\nor the purpose for storing the data no longer applies.<br \/>\nMandatory statutory retention obligations remain unaffected.<\/p>\n<p>Server Log Files<br \/>\nThe provider of the website automatically collects and stores information in so-called server log files, which your browser automatically transmits to us.<br \/>\nThese include:<br \/>\nbrowser type and browser version,<br \/>\noperating system used,<br \/>\nreferrer URL,<br \/>\nhostname of the accessing device,<br \/>\ntime of the server request,<br \/>\nIP address.<br \/>\nThis data is not combined with other data sources.<\/p>\n<p><strong>New Relic \u2013 Server Monitoring and Error Tracking<\/strong><br \/>\nWith the help of server monitoring and error tracking, we ensure the availability and integrity of our online services.<br \/>\nThe data processed in this context is used to technically optimise our online services.<br \/>\nFor these purposes, we use the service:<\/p>\n<p>New Relic, Inc.<br \/>\nAttn: Legal Department<br \/>\n188 Spear Street, Suite 1200<br \/>\nSan Francisco, CA 94105<br \/>\nUSA<\/p>\n<p>New Relic processes aggregated performance data, including:<\/p>\n<p>performance values,<br \/>\nutilisation data,<br \/>\ncomparable technical metrics,<br \/>\nwhich provide information about the stability and possible irregularities of our online services.<br \/>\nIn the event of errors or abnormalities, individual requests from users of our online services are recorded in pseudonymised form in order to identify and resolve sources of problems.<br \/>\nPseudonymisation means in particular that users\u2019 IP addresses are stored in shortened form by removing the last two digits (IP masking).<br \/>\nAggregated data is deleted after three months.<br \/>\nPseudonymised data is deleted after seven days.<br \/>\nFurther information regarding the processing of personal data by New Relic can be found in the service provider\u2019s privacy policy:<br \/>\nhttps:\/\/newrelic.com\/termsandconditions\/privacy<\/p>\n<p><strong>Contact Form \/ Chat Tool<\/strong><br \/>\nIf you send us enquiries via a contact form, the information provided in the enquiry form, including your contact details, will be stored by us for the purpose of processing your enquiry and handling any follow-up questions.<br \/>\nWe do not disclose this data without your consent.<br \/>\nThe data entered into the contact form remains stored by us until:<br \/>\nyou request deletion,<br \/>\nyou withdraw your consent for storage,<br \/>\nor the purpose for data storage no longer applies (e.g. after your enquiry has been fully processed).<br \/>\nMandatory statutory provisions, particularly retention obligations, remain unaffected.<br \/>\nEnquiries via Email, Telephone, or Fax<br \/>\nIf you contact us by email, telephone, or fax, your enquiry, including all resulting personal data (such as name and request details), will be stored and processed by us for the purpose of handling your matter.<br \/>\nWe do not disclose this data without your consent.<br \/>\nThe data transmitted to us through contact enquiries remains stored until:<br \/>\nyou request deletion,<br \/>\nyou withdraw your consent,<br \/>\nor the purpose for storing the data no longer applies (e.g. after completion of your request).<br \/>\nMandatory statutory provisions, particularly statutory retention periods, remain unaffected.<\/p>\n<p><strong>\u00a7 14 Purposes and Legal Bases of Processing<\/strong><\/p>\n<p>Cookies<br \/>\nCookies required for carrying out electronic communication processes or providing certain functions requested by you (e.g. shopping cart functionality) are stored on the basis of UNIVERS Capital\u2019s legitimate interest pursuant to Article 6(1)(f) GDPR.<br \/>\nThe website operator has a legitimate interest in storing cookies to ensure technically error-free and optimised provision of its services.<br \/>\nWhere other cookies (e.g. cookies for analysing your browsing behaviour) are stored, these are addressed separately in this privacy policy.<\/p>\n<p>Usercentrics<br \/>\nUsercentrics is used to obtain legally required consent for the use of certain technologies.<br \/>\nThe legal basis for this processing is Article 6(1)(c) GDPR.<\/p>\n<p>Server Log Files<br \/>\nThe collection of server log data is based on Article 6(1)(f) GDPR.<br \/>\nThe website operator has a legitimate interest in ensuring technically error-free presentation and optimisation of its website. For this purpose, server log files must be collected.<\/p>\n<p>New Relic<br \/>\nWe use New Relic based on our legitimate interests in the security, error-free operation, and optimisation of our online services pursuant to Article 6(1)(f) GDPR.<\/p>\n<p>Contact Form \/ Chat Tool<br \/>\nThe processing of data entered into the contact form is based exclusively on your consent (Article 6(1)(a) GDPR).<br \/>\nYou may withdraw your consent at any time.<br \/>\nAn informal notification by email is sufficient.<br \/>\nThe lawfulness of processing carried out before withdrawal remains unaffected.<br \/>\nEnquiries via Email, Telephone, or Fax<br \/>\nThe processing of relevant data in connection with your enquiries is based on Article 6(1)(b) GDPR, where your enquiry relates to the performance of a contract or is necessary for pre-contractual measures.<br \/>\nIn all other cases, processing is based on:<\/p>\n<p>your consent (Article 6(1)(a) GDPR), and\/or<br \/>\nour legitimate interests (Article 6(1)(f) GDPR),<br \/>\nas we have a legitimate interest in effectively handling enquiries addressed to us.<\/p>\n<p><strong>\u00a7 15 Data Processing After Registration on \u201cuniverscapital.de\u201d<\/strong><br \/>\nYou can register on our website in order to use additional functions and services available on the platform.<br \/>\nThe data entered for this purpose is used exclusively for the purpose of using the respective service or offering for which you have registered.<br \/>\nThe mandatory information requested during registration must be provided completely; otherwise, we reserve the right to reject the registration.<br \/>\nAs a provider of financial services, we are, among other things, legally obligated to ensure the identity of our users in order to prevent money laundering.<br \/>\nThe mandatory information required for this purpose includes personal master data as well as the bank details necessary for processing the contractual relationship.<br \/>\nThe identity verification itself is carried out by a service provider. We only receive confirmation or rejection of your identity and do not receive any data from the actual identification process.<br \/>\nTo register with UNIVERS Capital, only your email address is initially required.<\/p>\n<p>Once you actively use our services, the following personal data may be requested:<\/p>\n<p>First name \/ surname<br \/>\nTitle (optional)<br \/>\nGender<br \/>\nNationality<br \/>\nMobile phone number (optional)<br \/>\nEmail address<br \/>\nTelephone number (optional)<br \/>\nAddress (optional)<br \/>\nDate and place of birth (optional)<br \/>\nIdentification data (identity document details: number, issuing authority, validity, etc.)<br \/>\nTax residency<br \/>\nTax identification number (optional)<br \/>\nVoluntary additional information (marital status, occupation, award system data)<\/p>\n<p>The processing of the data entered during registration is based on your consent (Article 6(1)(a) GDPR).<br \/>\nYou may withdraw your consent at any time.<br \/>\nAn informal notification by email is sufficient.<br \/>\nThe lawfulness of processing carried out before withdrawal remains unaffected.<br \/>\nThe data collected during registration is stored for as long as you are registered on our website and is subsequently deleted.<br \/>\nStatutory retention obligations remain unaffected.<\/p>\n<p>Responsibility<br \/>\nThe processing of personal data in connection with your registration and use of our services is the responsibility of:<br \/>\nUNIVERS Capital GmbH<br \/>\nProcessing of Data (Customer and Contract Data)<br \/>\nWe collect, process, and use personal data only insofar as this is necessary for establishing, structuring, or modifying the legal relationship (master data).<br \/>\nThis processing is carried out on the basis of Article 6(1)(b) GDPR, which permits processing necessary for the performance of a contract or for pre-contractual measures.<br \/>\nPersonal data relating to the use of our websites (usage data) is only collected, processed, and used insofar as necessary to enable users to access the service or to invoice the service.<br \/>\nCustomer data collected will be deleted after completion of the order or termination of the business relationship.<br \/>\nStatutory retention obligations remain unaffected.<br \/>\nData Transfer Upon Conclusion of Contracts for Services and Digital Content<br \/>\nWe only transfer personal data to third parties where this is necessary for contract processing, for example to service providers responsible for:<\/p>\n<p>identification procedures,<br \/>\npayment processing.<br \/>\nFurther transfer of data does not take place unless:<br \/>\nyou have expressly consented to such transfer, or<br \/>\ntransfer is necessary based on legitimate interests.<br \/>\nYour data will not be transferred to third parties for advertising purposes without your explicit consent.<br \/>\nThe legal basis for processing is Article 6(1)(b) GDPR, which permits processing necessary for the performance of a contract or pre-contractual measures.<\/p>\n<p><strong>\u00a7 16 Purposes and Legal Bases of Processing<\/strong><br \/>\nYou Have Registered with Us<br \/>\nAs part of registration, we necessarily process your login data, such as your email address.<br \/>\nThe purpose of processing at this stage is to expand our community and initiate a potential business relationship between UNIVERS Capital GmbH and you.<br \/>\nWe consider your registration in our portal as the first step towards business and contractual initiation initiated by you.<br \/>\nTherefore, the legal basis for processing is the initiation and performance of contractual measures pursuant to Article 6(1)(b) GDPR.<br \/>\nYou may withdraw your consent to receiving emails from us at any time.<br \/>\nFollowing your withdrawal, we will no longer send you further emails.<br \/>\nWe store your data as long as the respective legal basis exists.<br \/>\nIf you have not made an investment with us, we will delete your data immediately upon your request.<br \/>\nOtherwise, we will delete your account after three months if we determine that you have not logged into your account during this period.<br \/>\nYour data will not be transferred to a third country outside the EU or the European Economic Area (EEA).<br \/>\nYour data will also not be transferred to additional third parties.<br \/>\nIt remains within UNIVERS Capital GmbH.<br \/>\nYou Have Registered and Completed Identification<br \/>\nIf you have registered on our platform and completed identification, this indicates that you intend to make an investment with one of the project companies available on the platform.<br \/>\nThe purpose of processing is the initiation and\/or execution of a contract.<br \/>\nThe legal basis is therefore pre-contractual measures pursuant to Article 6(1)(b) GDPR.<br \/>\nOnce you open an investment account through the platform, you additionally enter into a contractual relationship regarding account custody with the respective financial institution:<\/p>\n<p>Tangany GmbH<br \/>\nIn this case, the legal basis is also Article 6(1)(b) GDPR.<br \/>\nIn addition, we are required under the German Money Laundering Act (GwG) to verify your identity when opening the account.<br \/>\nThis obligation is based on a legal requirement pursuant to Article 6(1)(c) GDPR.<br \/>\nIf you wish to open an account, we transfer your data to the account-holding institution so that your bonds can be recorded.<br \/>\nThe purpose of this transfer is the fulfilment of contractual obligations in connection with opening the account with our partner institutions.<br \/>\nIf you have not yet invested, we delete your data after a certain period of inactivity on the platform, but not earlier than seven years.<br \/>\nThe German Money Laundering Act requires a retention period of seven years for identification data after opening an account or custody account.<br \/>\nYour data will not be transferred to a third country outside the EU or EEA.<br \/>\nYou Have Already Invested<br \/>\nIn this case, the purpose of processing is the execution and administration of an existing contractual relationship.<br \/>\nIt is necessary for us to know to whom we must make interest payments on behalf of the project companies.<br \/>\nYour data is processed on the basis of contract execution and administration pursuant to Article 6(1)(b) GDPR.<br \/>\nFurthermore, your data is processed due to legal obligations pursuant to Article 6(1)(c) GDPR.<br \/>\nRelevant regulations include:<br \/>\nGerman Money Laundering Act (GwG),<br \/>\nGerman Banking Act (KWG),<br \/>\nGerman Investment Code (KAG).<br \/>\nAs long as your investment exists, we cannot and are not permitted to delete your data.<br \/>\nThe deletion of personal data itself constitutes processing within the meaning of Article 4(2) GDPR and requires a legal basis.<br \/>\nDue to the aforementioned legal requirements and the German Fiscal Code (AO), we are subject to statutory retention obligations that prohibit deletion of certain data for a legally defined period.<br \/>\nThese retention periods also apply after termination of your investment with us.<br \/>\nOnly after expiry of these retention periods may deletion take place.<br \/>\nThe retention periods amount to a maximum of ten years after termination of your investment.<\/p>\n<p><strong>\u00a7 17 Data Processing During the Application Process<\/strong><br \/>\nWe process applicant data solely for the purpose and within the scope of the application process, in accordance with applicable legal requirements.<br \/>\nThe application process requires applicants to provide us with applicant data.<br \/>\nIf we provide an online application form, the required applicant data is marked accordingly and primarily concerns personal master data.<br \/>\nOtherwise, it results from the respective job descriptions.<br \/>\nGenerally, this includes:<br \/>\npersonal information,<br \/>\npostal and contact details,<br \/>\napplication documents such as cover letters,<br \/>\nCVs,<br \/>\ncertificates and supporting documents.<br \/>\nApplicants may voluntarily provide additional information.<br \/>\nBy submitting an application, applicants agree to the processing of their data for the purposes of the application process in accordance with the type and scope described in this privacy policy.<br \/>\nWhere available, applicants may submit applications via an online form on our website.<br \/>\nThe data is transmitted to us in encrypted form according to current technical standards.<br \/>\nApplicants may also submit applications via email.<br \/>\nHowever, please note that emails are generally not transmitted in encrypted form and applicants are responsible for ensuring encryption themselves.<br \/>\nTherefore, we cannot assume responsibility for the transmission path between the sender and receipt on our server.<br \/>\nWe therefore recommend using an online application form or postal submission.<br \/>\nDeletion takes place \u2014 unless there is a justified withdrawal by the applicant \u2014 after a period of six months.<br \/>\nThis allows us to answer any follow-up questions regarding the application and fulfil our obligations under equal treatment legislation.<br \/>\nInvoices relating to reimbursement of travel expenses are archived in accordance with tax law requirements.<\/p>\n<p><strong>\u00a7 18 Purposes and Legal Bases of Processing<\/strong><br \/>\nIf applicant data is processed by UNIVERS Capital GmbH through other channels, such processing takes place to fulfil our (pre-)contractual obligations within the scope of the application process pursuant to:<br \/>\nArticle 6(1)(b) GDPR, and<br \/>\nArticle 6(1)(f) GDPR, where processing is necessary, for example, in connection with legal proceedings.<br \/>\nIn Germany, Section 26 BDSG additionally applies.<br \/>\nFurthermore, processing takes place on the basis of your consent where you have allowed us to retain your application for future opportunities.<br \/>\nIf applicants voluntarily provide special categories of personal data pursuant to Article 9(1) GDPR, processing takes place additionally pursuant to Article 9(2)(b) GDPR, for example:<br \/>\nhealth data (such as disability status),<br \/>\nethnic origin.<br \/>\nIf special categories of personal data pursuant to Article 9(1) GDPR are specifically requested from applicants, processing takes place additionally pursuant to Article 9(2)(a) GDPR, for example health data required for performing a particular occupation.<br \/>\nData provided by applicants may be further processed for employment purposes if the application is successful.<br \/>\nIf an application is unsuccessful, the applicant\u2019s data will be deleted.<br \/>\nThe same applies if an application is withdrawn, which applicants may do at any time.<\/p>\n<\/div><\/section><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":3485,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-242","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Privacy Policy - UNIVERS Capital<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.universcapital.de\/en\/privacy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Privacy Policy - UNIVERS Capital\" \/>\n<meta property=\"og:url\" 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