Privacy Policy

(Date 22.10.2017)

In the following Privacy Policy, we shall inform you about the collection, use and processing of personal data when using our website www.n26.com (hereinafter: "Website"), we shall explicitly point this out to you.

By accessing the Website or interacting with N26 through other websites or social media, you acknowledge and agree to be bound by this policy. You acknowledge that this Policy is designed to be read in connection with the Website Terms of Use, and that by accessing or using our Website, you further agree to be bound by the Website’s Terms of Use in addition to this Policy.

We reserve the right to change this Privacy Policy from time to time. We will notify you of material changes as required by law. We will place a notice on our Website and update the information on this page. Your continued use of the Website after such modifications will constitute your acknowledgement and agreement to be bound by the Policy. By using the Website, you give your consent that all personal data that you submit may be processed by us in the manner and for the purposes described below. If you do not agree to these terms and conditions, do not use the Website.

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 our contractual relationship 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. We encourage you to be careful when using the internet or transmitting data through a wireless network.

Our Website may contain links to other third-party websites, including social media, that we do not control. This Policy does not apply to the practices of those other third-party websites. We encourage you to carefully read the privacy policies of such other websites. We are not responsible for these third-parties’ policies, practices and services.

I. Responsible authority

The authority responsible for the collection, processing and use of personal data is:

N26 Inc. 43 W.23rd Street, 6th Floor 10010 NY, USA

You will find more detailed information regarding N26 Inc. (hereinafter referred to as “N26”) in the Imprint.

II. Data collection in case of informational use of our Website

If you visit our Services purely for informational reasons, 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. Thereby, the following data will be transmitted to N26:

  • 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)

III. Use of Cookies on our Website

N26 Inc. uses so-called "Cookies" on the Website, i.e. text files which are stored on your access device. Cookies are smaller files with text information which are stored on your hard drive during retrieval of the offer. We use Cookies to make the navigation and use of our Website as user-friendly as possible. After your successful login to the protected area, we require the Cookies to identify and authorise you for the entire duration of your visit. However, Cookies also serve to store the preferences of the visitors. In this way, we are able to adapt the contents of our Website specifically to the requirements of our customers. We are not able to draw any references to customers with the Cookies. You can deactivate the option to store these Cookies at any time in the system preferences of your browser and delete any existing Cookies. Every user can also view the offer without Cookies. However, if you do not accept any Cookies, this may lead to a functional restriction of the Website.

Some of the Cookies used by us will be automatically deleted from your hard drive at the end of your browser session (Session Cookies). We also use Cookies which remain on your hard drive for a certain period after the end of your browser session (Persistent Cookies). Then on your next visit, the country and language you selected on your last visit to our Website will immediately be recognised. These Persistent Cookies will be stored on your hard drive and deleted by the browser after the prescribed period. These Cookies may also include Cookies from third-party providers (Third-Party Cookies).

N26 Inc. will notify you of its use of Cookies upon your (first) visit to our Website. You can prevent the use of Cookies at any time, with effect for the future, by deleting the Cookies and deactivating permission for the use of Cookies via your browser settings.

IV. Social Plugins

1. Use of Facebook plugins

Plugins from the social network Facebook (Facebook Inc., 1601 Willow Road, Menlo Park, California, 94025, USA) are integrated in our Services. You can recognise the Facebook plugins from the Facebook logo or the "Like button" on our page. You can find an overview of the Facebook plugins here: http://developers.facebook.com/docs/plugins/. If you visit our Services and click on the Facebook plugin, a direct connection will be established between your browser and the Facebook server. Facebook thereby receives the information that you have visited our site with your IP address. If you click on the Facebook "Like button" while you are logged into your Facebook account, you can link the contents of our pages to your Facebook profile. Thereby, Facebook can associate the visit to our Services with your user account. We hereby point out that as provider of the Services, we do not receive any information on the contents of the data transmitted or their use by Facebook. You can find further information about this in Facebook's Privacy Policy at http://de-de.facebook.com/policy.php If you do not want Facebook to be able to associate the visit to our Services with your Facebook user account, please log out of your Facebook user account.

2. Use of Twitter

Functions of the Twitter service are integrated in our Services. These functions are offered by Twitter Inc., Twitter, Inc. 1355 Market St, Suite 900, San Francisco, CA 94103, USA. By using Twitter and the "re-tweet" function, the websites visited by you are linked to your Twitter account and announced to other users. Data are thereby also transmitted to Twitter. We hereby point out that, as provider of the Services, we do not receive any information on the contents of the data transmitted or their use by Twitter. You can find further information about this in Twitter's Privacy Policy at http://twitter.com/privacy. You can change your Twitter privacy settings in the account settings at http://twitter.com/account/settings.

3. Use of LinkedIn

Our Services use functions of the LinkedIn network. The provider is LinkedIn Corporation, 2029 Stierlin Court, Mountain View, CA 94043, USA (hereinafter: "LinkedIn"). If you visit our Services and click on the LinkedIn plugin ("recommend button"),a connection to the LinkedIn servers will be established. LinkedIn will be informed that you have visited our Services with your IP address. If you click on the LinkedIn "recommend button" and are logged into your LinkedIn account, it is possible for LinkedIn to associate your visit to our Services with your user account. We hereby point out that as provider of the pages, we do not receive any information on the contents of the data transmitted and their use by LinkedIn. You can find further information about this in LinkedIn's Privacy Policy at: https://www.linkedin.com/legal/privacy-policy

4. Use of Instagram

Functions of the Instagram service are integrated in our Services. These functions are offered by Instagram Inc., 1601 Willow Road, Menlo Park, CA, 94025, USA (hereinafter: "Instagram"). If you are logged into your Instagram account, you can link the contents of our pages with your Instagram profile by clicking on the Instagram button. Thereby, Instagram can associate the visit to our Services with your user account. We hereby point out that as provider of the Services, we do not receive any information on the contents of the data transmitted and their use by Instagram. You can find further information about this in Instagram's Privacy Policy: http://instagram.com/about/legal/privacy/

V. Use of tracking technologies

1. Use of Google Analytics and Google Tag Manager on our Website

Our Website use Google Analytics and Google Tag Manager; web analysis services of Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA (hereinafter: "Google"). Google Analytics and Google Tag Manager use so-called "Cookies"; text files which are stored on your computer/smartphone and which enable analysis of your use of our Website. The information generated by the Cookie about your use of our Website is generally transmitted to a Google server. You can prevent the storage of Cookies by configuring your browser software accordingly; however, we hereby point out that in this case you may not be able to use all functions of our Website fully. Furthermore, you can prevent the collection of the data generated by the Cookie related to your use of our Website (incl. IP address) by Google as well as the processing of these data by Google, by downloading and installing the browser plugin available via the following link: http://tools.google.com/dlpage/gaoptout?hl=de. You can find more detailed information about this here: http://www.google.com/intl/de/analytics/privacyoverview.html (general information about Google Analytics and data protection). We hereby point out that, on our Website, Google Analytics are expanded with the code "gat._anonymizeIp();" in order to guarantee an anonymised collection of IP addresses (so-called IP Masking).

2. Use of TrackJS on our Website

N26 Inc. works with TrackJS LLC. (hereinafter: "TrackJS"). The TrackJS service collects data when our customers use our Website. This enables the analysis of technical errors such as HTTP and JS errors. You can find further information about this in the TrackJS Privacy Policy: https://trackjs.com/privacy/.

3. Use of SnowPlow on our Services

N26 Inc. works with SnowPlow Analytics Limited (hereinafter: "SnowPlow"); with this service, in order to improve our Services and detect bugs in our systems, user information about our Services is collected with regard to the user's navigation within our Services. You can find further information about this in SnowPlow's Privacy Policy: https://snowplowanalytics.com/privacy-policy/.

4. Use of Finance ads on our Website

N26 Inc. uses the Re-Targeting Tool of financeAds GmbH & Co. KG, Karlstrasse 9, 90403 Nuremberg (hereinafter: "Finance Ads"),in order to be able to inform you about advertising on other websites that may interest you. For this purpose, alias information about the use of our Services will be stored in Cookies and on this basis advertisements will be displayed on other websites. No usage profiles will be merged with your personal data as a result of this and no identifying information about your person will be disclosed to third parties. You can prevent the storage of Cookies via browser settings. Alternatively, you can object to this data usage by setting an opt-out Cookie via the following link, which remains on the device until you delete the Cookies: www.financeads.net/ueberuns/cookies/

5. Use of FinanceQuality on our Website

N26 Inc. uses the FinanceQuality statistics tool. FinanceQuality.net is a service provided by Netzeffekt GmbH, Theresienhöhe 28, 80339 Munich. With the FinanceQuality tool, N26 Inc. can record the online mediation achieved from other pages. Alongside other optional tracking technologies, the use of FinanceQuality is based on Cookie/tracking pixel tracking. A Cookie is a text file which is stored on the user's computer when they click on an advertisement/tracking link. The regular Cookie runtime is 30 days. According to information from FinanceQuality, only anonymised Cookies are used. Cookies do not contain any personal data of the user. You can find further information about this in the FinanceQuality Privacy Policy: https://www.financequality.net/agb/

6. Use of HasOffers on our Website

We work with TUNE Inc. ("HasOffers"). This service uses cookies and pixel tags to determine when affiliates/ partner websites refer new customers to N26. Further information can be found in the HasOffers privacy policy at www.hasoffers.com/privacy-policy.

7. Use of Taboola on our Website

We work with Taboola, a media buying platform that provides native advertising spaces. The use of Taboola is based on Cookie/tracking pixel tracking. A Cookie is a text file which is stored on the user's computer when they click on an advertisement/tracking link. The regular Cookie runtime is 30 days. According to information from Taboola, only anonymised Cookies are used. Cookies do not contain any personal data of the user. Further information can be found in the Taboola privacy policy at: https://www.taboola.com/cookie-policy

8. Use of Quandcast measure on our Website

We work with Quancast measure, an analytical tool that creates anonymous demographic segments of the traffic on our websites. It is very similar to Google Analytics (see above VIII. 1.) as it helps websites owners to understand the characteristics and demographics of the people who visit their sites. Further information can be found in the Quandcast privacy policy at: https://www.quantcast.com/privacy/

9. Use of Quandcast advertising on our Website

Quantcast Advertising product, called Quantcast Advertise, allows us to deliver relevant online advertising to individual consumers in an anonymous way. In general, Quantcast Advertise helps us to get our ads in front of the people that are most likely to find them interesting. Further information can be found in the Quandcast privacy policy at: https://www.quantcast.com/privacy/

VI. Retargeting – Use of Google Adwords (Remarketing/Conversion Tracking) on our Website

N26 Inc. uses the Google Adwords service from Google. Our Website uses the Remarketing function from Google Adwords. This function serves to present visitors to the Website with advertisements tailored to their interests, within the framework of the Google advertising network. The Website visitors' browser stores so-called "Cookies"; text files which are stored on your end device and which enable the user to be recognised when they access websites which are part of Google's advertising network. On these pages, the user can then be shown advertisements related to content that the visitor has previously accessed on websites which use Google's Remarketing function. According to information from Google, it does not collect any personal data in this process. If you should nevertheless not want Google's Remarketing function, you can always deactivate it by choosing the corresponding settings at http://www.google.com/settings/ads. Alternatively, you can deactivate the use of Cookies for tailoring advertising to interests via the advertising network, by following the instructions at http://www.networkadvertising.org/managing/opt_out.asp. You can find further information about Google Remarketing and Google's Privacy Policy at: http://www.google.com/privacy/ads/.

VII. Email newsletter

In our email newsletter, we inform you about our offers. If you would like to receive the email newsletter, we require an email address from you. These data will only be used for sending the email newsletter and will not be disclosed to third parties. In our newsletter, we use the Remarketing functions of the Salesforce Marketing Cloud from the service provider salesforce.com, Inc. The Landmark @ One Market Street, Suite 300, San Francisco, CA 94105, USA (hereinafter: "Salesforce"). Furthermore, in the email newsletter, Salesforce uses so-called Web Beacons. Web Beacons (also called ClearGIFs or tracking pixels) are small graphics (approx. 1x1 size GIF files) which among other things are set on websites or in HTML emails in order to provide the website operators with a better understanding of visitors' interactions with the website. Web Beacons fulfil similar functions as Cookies, but they are not visible to the users. Information can be obtained via Web Beacons, in particular about whether the email was opened and whether the user's system is capable of receiving HTML emails. No personal data is collected via the Web Beacon.

VIII. Miscellaneous

You must be at least 18 years old to have our permission to use this Website. Our policy is that we do not knowingly collect, use or disclose personal data about minor visitors. Our Website is intended for adults and it is not directed to children.

Please direct all requests for information, or queries via email to usalegal@n26.com or in writing to the address specified in the Impressum.