What is the construction child benefit?
The child benefit is a government grant that is intended to help families buy property. With one or more small children in particular, families today face particular financial challenges. And this at a time when at least one parent often only works part-time.
Higher costs for the little ones (e.g. childcare and baby equipment) combined with lower income – this often means that young families can no longer afford their own apartment or house. Exactly when you need it most.
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WITH STATE PROMOTION CHILD LIGHT TO YOUR HOME!
With over 40 years of experience in real estate finance, we are your experts when it comes to building a house or buying a property. In addition to the construction child benefit, there are a number of other grants that you can use as a family. Talk to us and we will support you in your dream of owning a home!
Information on data protection and data protection declaration of consent
Dear Sir or Madam,
We take the protection of your personal data very seriously and you can be sure that we will protect it reliably and handle it responsibly.
The new General Data Protection Regulation (GDPR) entered into force on May 25, 2018.
Accordingly, we have adapted our data protection declaration and work processes to this new regulation.
It is important to us to make our data protection guidelines as transparent as possible for you. You can now find more information in the following data protection declaration.
As the responsible body, we take that
KVB Finanzdienstleistungsgesellschaft mbH (called KVB GmbH)
all measures required by law to protect your personal data.
If you have any questions about this data protection declaration, please contact our data protection officer:
KVB Finanzdienstleistungsgesellschaft mbH (called KVB GmbH)
Data Protection Officer
Collection and storage of personal data and the type and purpose of their use
a) When visiting the website When you visit our website, the browser used on your device automatically sends information to the server on our website. This information is temporarily stored in a so-called log file. The following information is recorded without your intervention and stored until it is automatically deleted:
• Name of the file accessed
• Date and time of access
• Amount of data transferred
• Report whether the retrieval was successful
• Description of the type of web browser used
• Operating system used
• the previously visited page
• Your IP address (anonymized)
The data mentioned are processed by us for the following purposes:
• Ensuring a smooth connection to the website
• Ensuring comfortable use of our website
• Evaluation of system security and stability as well
• for other administrative purposes
The legal basis for data processing is Art. 6 Para. 1 lit.f GDPR. Our legitimate interest follows from the data collection purposes listed above. Under no circumstances do we use the data collected for the purpose of drawing conclusions about you personally.
b) When registering for our newsletter If you have given your express consent in accordance with Article 6 (1) (a) GDPR, we will use your email address to occasionally send you our newsletter. An email address is sufficient to receive the newsletter.
You can unsubscribe at any time, for example via a link at the end of each newsletter. Alternatively, you can send your unsubscribe request at any time to [email protected] by email.
c) When using our contact form If you have any questions, we offer you the opportunity to contact us using the form provided on the website. It is necessary to provide a valid e-mail address so that we know who the request comes from and to be able to answer it. Further information can be provided voluntarily. The data processing for the purpose of contacting us takes place according to Art. 6 Para. 1 a GDPR on the basis of your voluntarily given consent.
The personal data collected by us for the use of the contact form will be automatically deleted after your request has been dealt with.
Disclosure of data
Your personal data will not be transferred to third parties for purposes other than those listed below.
We only share your personal information with third parties if:
• You have given your express consent to this in accordance with Article 6 (1) (a) GDPR,
• Disclosure is required in accordance with Article 6 (1) (f) GDPR and there is no reason to assume that you have an overriding interest worthy of protection in not disclosing your data,
• in the event that there is a legal obligation for the transfer according to Art. 6 Para. 1 lit.c GDPR, as well
• This is legally permissible and is required for the processing of contractual relationships with you in accordance with Art. 6 Para. 1 lit.b GDPR.
• Loan offer
For the successful loan brokerage and our loan offer, we have to forward your personal information to the credit institutions, insurance companies, credit bureaus, partner companies and receive the appropriate feedback from them.
Use of Google Analytics
We use Google Analytics, a web analytics service provided by Google Inc., 1600 Amphitheater Parkway, Mountain View, CA 94043, USA.
We base the use of the aforementioned analysis tool on Art. 6 Para. 1 Letter f) GDPR: the processing takes place for the analysis of the usage behavior and is therefore necessary to protect our legitimate interests.
Google Adwords Conversion Tracking
This website uses Google Conversion Tracking, an analysis service operated by Google Inc. (1600 Amphitheater Parkway, Mountain View, CA 94043, USA; hereinafter referred to as "Google"). If you access our website via a Google ad, Google Adwords, not us, will automatically set a so-called "conversion cookie". This cookie automatically expires after 30 days and is not used for your personal identification. Every Adwords customer and therefore we, too, receive a different, separate cookie from Google. This means that cookies cannot be tracked across the websites of various Adwords customers.
By setting this "conversion cookie", both Google and the respective Adwords customer, and thus we, too, can recognize that, firstly, someone clicked on the respective advertisement and was thus forwarded to a page provided with a conversion tracking tag, and secondly how often they clicked on the respective advertisement again within 30 days. The information obtained with the help of the "conversion cookie" is used to create conversion statistics by Google.
Important for you: we only find out the total number and frequency of users who clicked on the respective advertisement and were forwarded to a website provided with a conversion tracking tag. However, we do not receive any information with which we can personally identify you users.
If you do not want to participate in the tracking process, you can refuse the setting of a cookie required for this – for example via a browser setting that generally deactivates the automatic setting of cookies. Please note that the complete deactivation of the setting of cookies may result in the website no longer being displayed correctly. You can also deactivate the setting of cookies for conversion tracking by setting your browser so that cookies from the domain "www.googleadservices.com" are blocked. Alternatively, you can stop or prevent the use of this technology offered by Google by visiting the following page and reading there how it is possible: https://www.youronlinechoices.com/de/praferenzmanagement/
Further information on the usage and data protection guidelines for this product can be found here: http://www.google.com/policies/technologies/ads/ and http://www.google.com/intl/de/policies/privacy /
This website uses the remarketing function of Google Inc. ("Google"). This function is used to present interest-based advertisements to visitors to the website within the Google advertising network. The website visitor’s browser stores so-called “cookies”, text files that are stored on your computer and make it possible to recognize the visitor when he or she visits websites that belong to the Google advertising network. On these pages, visitors can then be presented with advertisements that relate to content
KVB Finanz GmbH protects your data by technical and organizational measures against unauthorized access, loss or destruction. Our security measures are continuously improved in line with technological developments.
In order to transmit the data as securely as possible, KVB Finanz GmbH uses SSL encryption (Secure Socket Layer), which is one of the most secure technologies. This type of encrypted data transmission applies in particular to all personal data.
For whom is the data protection declaration valid??
If we process personal data, it means that we e.g. B. collect, save, use, transmit or delete. This data protection declaration deals with personal data from:
• Interested parties and customers who are natural persons
• All other natural persons who are in contact with us, e.g. B. Authorized representatives, legal guardians, messengers as well as representatives or employees of legal persons, but also visitors to our website and persons who can register on the website
• Our customers’ beneficial owners
What personal data do we collect??
We collect your personal data when you contact us, e.g. B. as an interested party, applicant or customer. That means: especially if you choose ours
Are interested in products or contact us by email or phone or if you use our products and services within the scope of existing business relationships.
We also process personal data from publicly accessible sources if these are necessary for our service. We obtain this data e.g. B. via land registers, debtor registers or commercial and association registers. Personal data is also transmitted to us by other companies in the KVB Group (AFB Finanzvermittlungs- und Beschaffungs GmbH) and by third parties (e.g. credit agencies such as SCHUFA).
We process the following personal data:
z. B. First and last name, address, date and place of birth, nationality, email address, telephone number
• Data about your financial situation
z. B. Pay slips, payment history, value of your property or other assets, credit history, current creditworthiness, entries at credit agencies, late payments, information on income
z. B. Marital status and family situation
• Data about your online behavior and preferences
z. B. anonymized IP addresses, unique assignment features of mobile devices, data about your visits to our websites, devices with which you visited our website
• Information about your interests and wishes that you communicate to us
As well as other data comparable to these categories.
What do we use your data for??
We use your data so that you can use our products and services (fulfillment of contractual obligations)
In order to process our contracts, we have to process your data. This also applies to pre-contractual information that you give us when making an application. The purposes of data processing depend primarily on the respective product and can also be used, among other things, to analyze your needs and to check whether a product is suitable for you.
Execution of the contractual relationship
To carry out the contractual relationship, we need your address, your telephone number or your email address in order to be able to contact you.
Products and services
We also need your personal data in order to be able to check whether we can and may offer you a product or a service.
We look forward to receiving invitations to customer surveys. The results of such surveys help us to improve our products, offers and services.
Data processing for marketing purposes
We try to give you information about products and services that are right for you. For this we use knowledge from our business relationship with you or from market research. The aim of processing your data is to personalize product suggestions. We guarantee that we always process your personal data in accordance with the provisions of the applicable data protection law.
We write letters or emails to you or make personal offers on our website. Your data will be passed on to Deutsche Post AG for direct advertising. You have the right to object to this personalized advertising at any time.
If you have given us your consent to the processing of personal data for certain purposes, the processing of this data is lawful. You can withdraw your consent at any time. This also applies to the revocation of declarations of consent that you submitted to us prior to the application of the GDPR (General Data Protection Regulation), i.e. before May 25, 2018. The revocation of consent does not affect the legality of the data processed until the revocation.
Who receives your data?
Your personal data within KVB GmbH
Within KVB GmbH, only those places will get access to your data that they need to protect our legitimate interests or to fulfill our contractual and legal obligations.
So that we can offer you a very good service and remain competitive, we sometimes exchange data within the KVB Group (AFB Finanzvermittlungs- und Beschaffungs GmbH). Whenever this is the case, we guarantee that the transmission of the data takes place in accordance with the data protection requirements and that your personal data are protected. Whenever the processing purpose permits, we protect the data by anonymization or pseudonymization.
Your personal data outside of KVB GmbH
A legal obligation to pass on your personal data to external bodies is particularly important for the following recipients:
• Public authorities, supervisory authorities and bodies, such as B. Tax authorities, banking supervision (BaFin, ECB or Bundesbank) • Jurisprudence / law enforcement authorities, such as B. Police, public prosecutors, courts • Lawyers and notaries, such as B. in bankruptcy proceedings • Auditor
Our service providers can receive data to fulfill the purposes described if they meet special confidentiality requirements. These can be companies in the categories IT services, logistics, printing services, telecommunications, debt collection, consulting or sales and marketing, for example.
Very important: under no circumstances do we sell personal data to third parties
We answer your inquiries about data protection
We want to answer all your questions as soon as possible. However, sometimes it can take up to a month before you get an answer from us – if this is permitted by law. If we need more than a month for a final clarification, we will of course tell you how long it will take.
In some cases we cannot or may not provide information. If this is legally permissible, we will always inform you of the reason for this in a timely manner. You have the right to file a complaint.
What rights do you have when it comes to processing your data??
Details can be found in the respective regulations of the General Data Protection Regulation (Articles 15 to 21):
Right to information, information and correction
You can request information about your personal data processed by us. If your information is not correct, you can request a correction. If your data is incomplete, you can request completion. If we have passed on your information to third parties, we will inform these third parties of your correction.
Right to delete your personal data
You can request the immediate deletion of your personal data for the following reasons:
• When your personal data is no longer needed for the purposes for which it was collected
• If you withdraw your consent and there is no other legal basis
• If you object to processing and there are no overriding reasons worthy of protection for processing
• If your personal data has been processed unlawfully
• If your personal data has to be deleted in order to comply with legal requirements
Please note that a right to erasure depends on whether there is a legitimate reason that requires the processing of the data.
Right to restrict the processing of your personal data
You have the right to request a restriction of the processing of your personal data if:
• the accuracy of your personal data is disputed by you and we have had the opportunity to check the accuracy
• the processing is not lawful and you request a restriction of use instead of deletion
• we no longer need your data for the purposes of processing, but you need them to assert, exercise or defend yourself against legal claims
• You have lodged an objection as long as it is not certain whether your interests predominate
Right to object
We may process your data on the basis of legitimate interests or in the public interest. In these cases, you have the right to object to the processing of your data. This also applies if we use your data for our direct marketing.
Should it happen that you are not satisfied with our answer to your request. Then you are entitled to lodge a complaint with the data protection officer and the responsible data protection supervisory authority.
Right to data portability
You have the right to receive personal data that you have given us in a transferable format.
You have to give us your personal data?
As part of our business relationship, we need the following personal data from you:
• Data that is used for establishing and executing a business relationship
• Data that are necessary for the fulfillment of the associated contractual obligations
• Data that we are legally obliged to collect
Without this personal data, we will not be able to enter into or execute a contract with you and to comply with your request.
The Money Laundering Act requires us to identify you with your ID documents before entering into a business relationship (by postident or video legitimation). Your name, place and date of birth, nationality, address and ID details are collected and recorded. If any changes occur in the course of our business relationship, you are obliged to inform us of them immediately.
If you do not provide us with the necessary information and documents, we can neither start nor carry out the business relationship you are aiming for.
How long do we store your data?
We do not store your data longer than we need it for the respective processing purposes.
If the data are no longer required for the fulfillment of contractual or legal obligations, they will be deleted regularly, unless their – temporary – storage is still necessary. The reasons for this can be:
• Commercial and tax law retention requirements: In particular the Commercial Code, the Tax Code, the Banking Act, the Money Laundering Act. The deadlines for storage and documentation specified there are up to ten years.
• The preservation of evidence for legal disputes within the framework of the statutory statute of limitations: Civil law limitation periods can be up to 30 years, whereby the regular limitation period is three years.
1. Name and contact details of the responsible body and the company data protection officer
SCHUFA Holding AG, Kormoranweg 5, 65201 Wiesbaden, Tel .: +49 (0) 6 11-92 78 0
The operational data protection officer of SCHUFA is available at the above Address, to the data protection department or by email at [email protected]
2. Data processing by SCHUFA
2.1. Purposes of data processing and legitimate interests pursued by SCHUFA or a third party
SCHUFA processes personal data in order to provide authorized recipients with information to assess the creditworthiness of natural and legal persons. For this purpose, score values are also calculated and transmitted. It only makes the information available if a legitimate interest in it has been convincingly demonstrated in individual cases and processing is permissible after weighing up all interests. The legitimate interest exists in particular before entering into transactions with a financial risk of default. The creditworthiness check serves to protect the recipient from losses in the credit business and at the same time opens up the possibility of protecting borrowers from excessive debt through advice. The data is also processed for fraud prevention, seriousness checks, money laundering prevention, identity and age checks, address determination, customer care or risk management as well as tariffing or conditioning. SCHUFA will inform you of any changes in the purposes of data processing in accordance with Article 14 (4) GDPR.
2.2.Legal basis for data processing
SCHUFA processes personal data based on the provisions of the General Data Protection Regulation. Processing takes place on the basis of consent and on the basis of Art. 6 Para. 1 Letter f GDPR, insofar as processing is necessary to safeguard the legitimate interests of the person responsible or a third party and not the interests or fundamental rights and freedoms of the data subject, that require the protection of personal data predominate. Consent can be withdrawn at any time from the contractual partner concerned. This also applies to consent given before the GDPR came into force. The revocation of consent does not affect the legality of the personal data processed up to the revocation.
2.3 Origin of the data
SCHUFA receives its data from its contractual partners. These are institutes, financial companies and payment service providers based in the European economic area and in Switzerland and possibly other third countries (if there is a corresponding adequacy decision of the European Commission) that bear a financial default risk (e.g. banks, savings banks, cooperative banks, credit card, factoring – and leasing companies) as well as other contractual partners who use SCHUFA products for the purposes mentioned in section 2.1, in particular from the (mail order) trade, eCommerce, service, rental, energy supply, telecommunications, insurance or collection unit. In addition, SCHUFA processes information from generally accessible sources such as public directories and official notices (debtor lists, bankruptcy notices).
2.4.Categories of personal data that are processed (personal data, payment behavior and contractual compliance)
• personal data, e.g. Name (possibly also previous names, which can be provided on separate request), first name, date of birth, place of birth, address, previous addresses
• Information about the commencement and execution of a transaction in accordance with the contract (e.g. current accounts, installment loans, credit cards, garnishment protection accounts, basic accounts)
• Information about undisputed, due and multiple reminders or titled claims and their settlement
• Information about abusive or other fraudulent behavior such as identity or credit fraud
• Information from public directories and official announcements
• Score values
2.5.Categories of recipients of personal data
Recipients are contractual partners based in the European Economic Area, Switzerland and possibly other third countries (provided that there is a corresponding adequacy decision of the European Commission) in accordance with Section 2.3. Other recipients may be external SCHUFA contractors in accordance with Art. 28 GDPR and external and internal SCHUFA offices. SCHUFA is also subject to the statutory intervention powers of state agencies.
2.6.Duration of data storage
SCHUFA only stores information about people for a certain time.
The decisive criterion for determining this time is the necessity. SCHUFA has set regular deadlines for checking the necessity of further storage or the deletion of personal data. According to this, the basic duration of storage of personal data is three years each day after it has been completed. Deviating from this, e.g. deleted:
• Information on inquiries to the day after twelve months
• Information about trouble-free contract data about accounts that are documented without the justified claim (e.g. current accounts, credit cards, telecommunications accounts or energy accounts), information about contracts for which the evidence check is required by law (e.g. garnishment protection accounts, basic accounts) as well as guarantees and Trading accounts that are creditor-held immediately after the termination is announced.
• Data from the debtor registers of the central enforcement courts after three years to the day, but prematurely if the SCHUFA is proven to have been deleted by the central enforcement court
• Information on consumer / insolvency proceedings or debt relief proceedings to the exact day three years after the end of the bankruptcy proceedings or the granting of the debt relief. In special cases, which have been stored separately, an earlier deletion can also take place.
• Information about the rejection of an insolvency application due to lack of assets, the cancellation of security measures or the refusal to discharge the remaining debt after three days
• Personal addresses are saved for three years to the day; after that, the necessity of continuous storage is checked for a further three years. After that, they will be deleted to the day, unless longer storage is necessary for identification purposes.
3. Data subject rights
Every data subject has the right to information from SCHUFA according to Art. 15 GDPR, the right to correction according to Art. 16 GDPR, the right to deletion according to Art. 17 GDPR and the right to restrict processing Art. 18 GDPR. For concerns of data subjects, SCHUFA has set up a private customer service center, which can be found in writing at SCHUFA Holding AG, private customer service center, PO Box 10 34 41, 50474 Cologne, by phone at +49 (0) 6 11-92 78 0 and via an Internet form can be reached at www.schufa.de. In addition, there is the possibility to contact the supervisory authority responsible for SCHUFA, the Hessian data protection officer. Consent can be withdrawn at any time from the contractual partner concerned.
According to Art. 21 Para. 1 GDPR, data processing can be done for reasons,
that arise from the particular situation of the data subject are contradicted.
The objection can be form-free and must be addressed to
SCHUFA Holding AG, private customer service center, PO Box 10 34 41, 50474 Cologne.
4. Profiling (scoring)
The SCHUFA information can be supplemented with so-called score values. In the scoring process, a prediction of future events is made on the basis of information and past experience. At SCHUFA, all score values are calculated on the basis of the information stored about a person concerned at SCHUFA, which is also shown in the information according to Art. 15 GDPR. In addition, SCHUFA takes into account the provisions of § 31 BDSG when scoring. The entries stored for a person are used to assign statistical groups of people who have had similar entries in the past. The method used is known as "logistic regression" and is a well-founded, long-established, mathematical-statistical method for forecasting risk probabilities.
The following data types are used at SCHUFA for score calculation, whereby not every type of data is included in every single score calculation: general data (e.g. date of birth, gender or number of addresses used in business transactions), previous payment problems, credit activity last year, credit usage, length of credit history and address data (only if there is little personal credit-related information). Certain information is neither stored nor taken into account when calculating score values, e.g. information on nationality or special categories of personal data such as ethnic origin or information on political or religious attitudes in accordance with Art. 9 GDPR. The assertion of rights under the GDPR, e.g. Inspection of the information stored by SCHUFA in accordance with Art. 15 GDPR has no influence on the score calculation.
The transmitted score values support the contractual partners in the decision-making process and are used there for risk management. The risk assessment and creditworthiness assessment is carried out solely by the direct business partner, since only this person has a lot of additional information – for example from a loan application. This applies even if he only relies on the information and score values provided by SCHUFA. In any case, a SCHUFA score alone is not a sufficient reason to reject a contract.
Further information on credit rating scoring or the detection of conspicuous facts is available at www.scoring-wissen.de.
Information about your right to object
Right to object You have the right to object to the processing of your personal data. The prerequisite for this is that the data processing is in the public interest or on the basis
the interests are weighed up. In the event of an objection, we will no longer process your personal data. Unless we can demonstrate compelling legitimate reasons for processing this data that outweigh your interests, rights and freedoms. Or your personal data are used to assert, exercise or defend legal claims.
Objection to the processing of your data for our direct mail
In individual cases, we use your personal data for our direct advertising. You have the right to object to this at any time. In the event of an objection, we will no longer process your personal data for these purposes.
The objection can be form-free and should be addressed to:
KVB Finanzdienstleistungs GmbH
Data Protection Officer
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