Privacy Policy

In the following Privacy Policy, we shall inform you about the collection, use and processing of personal data when using our website our web application (hereinafter: "Web App") and our mobile app (hereinafter: "App"; jointly called: "Services"). Insofar as information refers exclusively to our Website, Web App or App, we shall explicitly point this out to you. In general, it is possible to use our Services without providing any personal data. Insofar as personal data are collected via our Services, this shall take place, as far as possible, on a voluntary basis. We shall therefore only collect, process and use your personal data pursuant to the following Privacy Policy. In this context, personal data means all detailed information about personal or factual circumstances of a specific or identifiable natural person, such as e.g. your name, your telephone number or your address. Your data will only be transmitted to third parties if this is necessary for the performance of the contract or if you have previously consented to this. We would like to point out that there are inherent security risks in the transmission of data via the internet (e.g. in communication via email). It is thus not possible to guarantee complete protection of data from access by third parties.

Site Uses and Conduct

This Site is intended for your personal, non-commercial use. Your use of the Site is subject to all applicable laws and regulations. You will not collect or store personal information or data associated with other users of the Site. You will not publish, post, upload, email or otherwise transmit any advertising or promotional materials, including junk or bulk email (“spam”), chain letters or any other form of unauthorized communication. You will use and access this Site for lawful purposes only. You will not access or use this Site for any purpose that is unlawful, threatening, harassing, abusive, defamatory, deceptive, tortious, fraudulent, invasive of another’s privacy, hateful, obscene or abusive. If you submit content to the Site, you will not submit illegal or expressly or implicitly profane, derogatory or otherwise injurious to Kooda or its Affiliates. You will not use or access the Site to victimize an individual or group of individuals. You will not access or use the Site to infringe on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party. You will not access or use this Site in a way that could damage, disrupt, or limit the functionality of this Site or otherwise interfere or cause damage to Kooda or the Site, including but not limited to uploading computer codes, files or programs that may interfere with the Site, the Site’s functionality, or any hardware, software or telecommunications equipment. You will not access or use the Site to attempt to or to actually obtain unauthorized access to the Site, computer systems and networks associated with the Site, or data or other information of any third party by any means. You will not access or use the Site to breach the security of, compromise or otherwise gain access to secured, protected or inaccessible areas of this Site. You will not impersonate any other person or entity, including our employees or representatives. You are solely responsible for your use and access to the Site.

Data collection in case of informational use of our Website and Web App

If you visit our Services purely for informational reasons (and do not open a current account with Koodaa Bank), we shall not collect any personal data, with the exception of the data which your browser or your end device transmits in order to enable your visit to our Website or Web App. Thereby, the following data will be transmitted to Koodaa Bank:

  • IP address
  • Date and time of the request
  • Time zone difference to Greenwich Mean Time (GMT)
  • Content of the request (specific page)
  • Access status/http status code
  • Volume of data transferred
  • Website (from which the request comes)
  • Browser
  • Operating system
  • Language and version of the browser software
  • Advertising Identifier (IDFA)

Additionally, through the use of our Website and Web App, Cookies will be stored on your end device. You will find further information on the Cookies used under VI.

Entire Agreement

These terms and conditions constitute the entire agreement and understanding between the parties concerning the subject matter hereof and supersedes all prior agreements and understandings of the parties with respect thereto. These Terms may NOT be altered, supplemented, or amended by the use of any other document(s). To the extent that anything in or associated with this Site is in conflict or inconsistent with these Terms, these Terms shall take precedence. If you have any questions regarding these Terms, the Site, the Site content or offerings, please contact us at: legal@kooda.com.

These terms were last updated on September 21, 2016.