Below you will find the most important documents for download:

• General terms and conditions
• Principles of complaint handling (in German)
• Disclosure of remuneration policy
• Sustainability-related disclosures (in German)
• Information sheet for the depositor (in German)
• Privacy policy of Raisin Bank AG

General information

Raisin Bank takes the protection of your personal data very seriously and adheres strictly to the rules of data protection. Personal data provided to us in the course of contacting you on this website will be used for the purpose of processing your contact. Under no circumstances will this data be passed on to third parties.

In the following text/link we give you an overview of the data that is collected in the course of data exchange with you via this website.

As part of the communication about our advertising offer, we automatically store on our servers some of the information usually transmitted by the browser, insofar as your browser provides this. This data cannot be directly assigned to specific or identifiable persons. This data is not merged with other data sources.

When you visit our website, we may use cookies, which are small text files placed on your computer and stored by your browser. They serve to make our offer user-friendly, effective and secure. Passwords are not stored in cookies. Most of the cookies we use are so-called “session cookies”. They are automatically reset at the end of your visit as soon as you log out. If you end the session by closing your browser, the cookie remains for a while and is either overwritten or deleted by the client. Our cookies do not damage your computer and do not contain viruses.

Right to information

You have the right at any time to information about your stored personal data, your data’s recipients and the purpose of data processing. Information can be obtained from our data protection officer.

Further information

Your trust is important to us. We try therefore to be fully available to answer your questions regarding the processing and use of your personal data. If you would like information that this data protection declaration did not give you or if you would like more detailed information on a particular point, please contact the Raisin Bank data protection officer at any time.

Data protection officer

Raisin Bank AG
Niedenau 61-63
60325 Frankfurt am Main

E-Mail: datenschutz@raisin.bank

The responsible governmental authority:

Der Hessische Datenschutzbeauftragte
Postfach 3163
65021 Wiesbaden

E-Mail: poststelle@datenschutz.hessen.de
Telefon: +49 611 1408 – 0

Website: datenschutz.hessen.de

Not satisfied with one of our services? Please send us an e-mail to beschwerdemanagement@raisin.bank and we will contact you as soon as possible.

 

For problems with card payments at our ATMs, please contact gaa-reklamation@raisin.bank.

Raisin Bank is a member of the “Entschädigungseinrichtung deutscher Banken GmbH”.
The protection afforded by this statutory deposit guarantee amounts to up to € 100,000 per depositor and credit institution.
In special cases, up to € 500,000 are protected. Further information can be found in the document “Information sheet for depositors” linked above.

External Links

For your optimal information you will find links on our pages which refer to pages of third parties. When such links are not obviously recognizable, we point out to you that an external link is involved. Raisin has no influence whatsoever on the content and design of other providers’ pages. The guarantees of this privacy statement therefore do not apply there. Personal data is only collected if you provide it to us voluntarily, e.g. when registering, and give us explicit permission to collect it. The data will be used to provide our services. You will also receive product and service information from Raisin, provided you have given your consent. All personal data is transmitted in encrypted form in order to prevent misuse of the data by third parties.

Statistics and tracking services

Below you will find an explanation of the statistics and tracking services used on this website. All these services use “cookies”, which are text files placed on your computer, to help the website analyze how users use the site, as well as comparable technologies (e.g. storage of data in the local memory of your device, so-called local storage technology or tracking pixels that are used to (temporarily) store information about specific users or usage processes.

You can prevent cookies from being saved on your device at any time using your browser settings. However,  we would like to point out that it may not be possible to use all functions of this website if cookies are disabled.

Different types of cookies are used for the optimal performance of our website.

 

Session cookies contain an identifier in the form of a so-called session ID and are automatically deleted when you close the browser. Using the session ID, various requests from your browser can be assigned to a common session and thus various functions such as the login function can be implemented. The session cookies are deleted when you log out or close the browser.

Permanent cookies are automatically deleted after a specified period, which can differ depending on the cookie. You can also delete the cookies early in the security settings of your browser at any time. These cookies enable us to recognize your device when you return to the website.

Technically required cookies. The main purpose of the technically required cookies is to technically enable the use of our services. The legal basis is Art. 6

Para. 1 lit. b GDPR. A deactivation of the technically required cookies is not offered.

We use technically necessary cookies in the following cases:

• for login authentication (e.g. when logging into the Raisin account);
• for load distribution;
• to save form data or your settings in connection with our cookie banner;
• in order to record which partner offer led you to our website and, if necessary, to be able to offer you the special partner conditions specified there;
• to note that information placed on our website has been displayed to you – so that it will not be displayed again the next time you visit the website.

 

Analysis cookies. Other cookies are used to analyze the use of our website for statistical purposes. They tell us, for example, which content on our website is particularly relevant and which type of device was used to visit the website. This enables us to make our offer more interesting and, if necessary, more user-friendly for our users. The information about the browsers and devices used enable us to adapt the page design to the most important browser types. We only use these analysis cookies if you agree to this use via our cookie banner. The legal basis for the data processing in connection with the analysis cookies is your consent (Art. 6 Para. 1 lit. a GDPR). You can revoke your consent by calling up the cookie settings   and changing the relevant selection there.

 

Marketing cookies. We also use cookies for advertising purposes when we use techniques to be able to show you advertisements for our weltsparen products on other pages of our partner networks after you have already visited our website (so-called re-targeting). In other cases, we also use cookies to measure the effectiveness of our campaigns or to be able to track and bill the services of our advertising partners, e.g. if you first became aware of our products through a message on a third-party site. In these cases, our so-called affiliate partners receive remuneration for a successful referral or forwarding.

We only use these marketing cookies if you agree to this use via our cookie banner. The legal basis for the data processing in connection with the marketing cookies is your consent (Art. 6 Para. 1 lit. a GDPR). You can revoke your consent by calling up the cookie settings   and changing the relevant selection there.

The services used and their analysis and marketing cookies are explained below:

 

Bing Universal Event Tracking

The website uses Bing Universal Event Tracking (a service of Microsoft Inc., One Microsoft Way, Redmond, WA 98052-6399, USA). This service enables us to track the activities of users of our website who have been referred to our website through a Bing Ads ad. In this case, a cookie is stored on your computer. A so-called Bing Universal Event Tracking tag is set on our website. This is a code that, in conjunction with the cookie stored on your computer, stores anonymous information (such as the type and category of event) about your use of the website. This information is transferred to a Microsoft Inc. server in the United States and stored there for a maximum of 180 days. By using our website, you consent to the processing of information about you by Microsoft in the manner and for the purposes set out above. You have the option at any time to generally prevent cookies from being saved or to delete cookies that have already been saved, in the settings provided for this purpose in your browser. You can object to participation in the tracking process at any time, taking effect going forward, using this link.

Crazy Egg

This website uses the web analysis service Crazy Egg of Crazy Egg Inc. (“Crazy Egg”) to collect statistical data about the use of our website. Using Crazy Egg technologies, visitor information is collected and transmitted to the Crazy Egg servers. The technology makes it possible, with the help of cookies, to collect, analyse and visualise the user’s activities during a visit to our website. However, Crazy Egg does not store your personal data such as your name, address or telephone number, nor does it share the information it collects with third parties. By using this website, you consent to Crazy Egg processing the information collected about you in the manner and for the purposes set out above. You can object to the collection and storage of data by Crazy Egg at any time by changing the related settings in your browser. You will find instructions on how to do this under this link.

Facebook Remarketing

This website uses the so-called Facebook pixel of the social network Facebook (Facebook Inc., 1601 South California Avenue, Palo Alto, CA 94304, USA). When you visit our website, Facebook Pixel establishes a direct connection between your browser and the Facebook server. Facebook receives the information that you have visited this page with your IP address. This allows Facebook to associate visiting our pages with your user account. We may use the information obtained in this way to display Facebook Ads or for tracking purposes. You can find more information about this in Facebook’s Privacy Policy. By using our website, you consent to Facebook processing the information we collect about you in the manner and for the purposes described above. If you do not wish us to collect such data, you can deactivate it here.

Google Analytics

This website uses Google Analytics, a web analysis service provided by Google Inc. (“Google”). The information generated by the cookie about your use of the website will generally be transmitted to and stored by Google on servers in the United States. However, if IP anonymisation is activated on this website, your IP address will be truncated by Google in advance within member states of the European Union or in other signatory states to the Agreement on the European Economic Area. Only in exceptional cases will the full IP address be transmitted to a Google server in the USA where it will be shortened. On behalf of the operator of this website, Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity and providing other services to website operators relating to website activity and internet usage. The IP address transmitted by your browser as part of Google Analytics is not combined with other data from Google. You may refuse the use of cookies by selecting the appropriate settings on your browser; however please note that if you do this you may not be able to use the full functionality of this website. You can also prevent Google from collecting the data generated by the cookie and related to your use of the website (including your IP address) and can prevent Google from processing this data by downloading and installing the browser plug-in available under this link. You can prevent Google Analytics from collecting this data by clicking on this link. An opt-out cookie is set to prevent your data from being collected in the future when you visit this website.

Google AdWords

AdWords Conversion Tracking is an analytics service provided by Google Inc. that links data from the Google AdWords advertising network to the activity taking place on our website to generate conversion statistics. Cookies and usage data are collected. By using our website, you consent to the processing of data about you in the manner and for the purposes set out above. If you do not wish to participate in tracking, please deactivate the storage of cookies in the settings provided for this purpose in your browser.

Google Remarketing

AdWords Remarketing is a remarketing and behavioral targeting service from Google Inc. that combines activity on our website with the Adwords advertising network and the Doubleclick cookie to display interest-based recommendations. Cookies and usage data are collected. By using our website, you consent to the processing of data about you in the manner and for the purposes set out above. If you do not wish to receive any interest-based recommendations, please deactivate the saving of cookies in the appropriate setting of your browser.

hotjar

To improve the user experience on our website, we use the Hotjar software (http://www.hotjar.com, 3 Lyons Range, 20 Bisazza Street, Sliema SLM 1640, Malta, Europe). The use of Hotjar allows us to measure and evaluate user behaviour (mouse movements, clicks, scroll height, etc.) on our website. In order to collect data, Hotjar uses cookies on user devices and may store user data such as browser information, operating system, time spent on the site, etc. Hotjar may also use cookies to collect information from other users. You can find out more about data processing by Hotjar here.

HubSpot

Our website uses an analysis service from HubSpot, Inc. (25 First Street, 2nd Floor, Cambridge, MA 02141, USA). HubSpot collects information about the use of our website through the use of cookies. The cookies track the domain, IP address, initial time stamp, last time stamp, current time stamp, view count, session number, session start time stamp. By using our website, you consent to the processing of data about you collected by HubSpot in the manner and for the purposes described above.

Inspectlet

To improve the usability of our website, we use the Inspectlet software. Inspectlet allows us to monitor user behavior (mouse movements, clicks, scrolling, etc.) on our web pages. In order to collect information, Inspectlet uses cookies on users’ devices and may store user information such as browser information, operating system, time on the website, etc. Inspectlet may use cookies to collect information from users. However, it does not collect any personally identifiable information, nor does it share the information with third parties. For more information about Inspectlet’s data processing, click here. If you do not want Inspectlet to collect this information, you can disable it here.

intercom

For direct interaction with visitors to our website via chat, we use a communication tool from Intercom R&D (Stephens Court, 18-21 Saint Stephens Green, Dublin 2, Ireland). When using the chat function on our website, no personal visitor data is automatically collected or transmitted to Intercom. If the visitor leaves his/her email address, this will be stored by Intercom and may be used in accordance with Intercom’s privacy policy. Intercom’s privacy policy can be viewed here.

LinkedIn Conversion-Tracking

This website uses LinkedIn Conversion Tracking. This uses the so-called LinkedIn Insight tag, a simple Javascript code that is placed on our website. This tag stores a cookie in the web browser of visitors to our website. LinkedIn also provides us with aggregated and anonymous reports of ad activity and information about how you interact with our site. The LinkedIn Insight tag enables us to collect metadata such as IP address, timestamps and events (e.g. pages visited). All data is encrypted. The LinkedIn browser cookie is stored in your browser until the cookie is deleted or expires (the cookie is valid for six months from the time the user’s browser last loaded the Insight tag). By using our website, you consent to the processing of data about you in the manner and for the purposes set out above. You may opt-out of LinkedIn’s analysis of your usage patterns and its display of interest-based recommendations by clicking on the “Opt-out from LinkedIn” (for LinkedIn members) or “Opt-out” (for other users) button below this link.

Snowplow

Our website uses the analysis service Snowplow of Snowplow Analytics Ltd, London EC2A 4RQ, Great Britain. Snowplow collects information about the use of our website by using a tracking pixel and cookies. The data collection and processing takes place at any time without personal reference. In particular, no complete IP addresses are stored. By using our website, you consent to the processing of data about you by Snowplow in the manner and for the purposes set out above. If you do not wish to share such data, please deactivate the storage of cookies in the appropriate setting of your browser.

Taboola

Our website uses technologies from Taboola Inc. (1115 Broadway, 7th Floor, New York, NY 10010, USA). Taboola uses cookies to determine what content you use and which of our sites you visit. To allow us to track users, the Taboola pixel has been implemented on our website. The pixel tracks activity only on an anonymous basis and does not track or collect any personally identifiable information. Taboola collects the following user information using cookies: the user’s operating system, web pages/content accessed on our web pages, referrer/link via which the user accessed our website, time and number of website accesses, location information (city and state), IP addresses in abbreviated form. Further information about Taboola and the possibility to deactivate the Taboola cookie can be found here (opt-out information can be found under “Site Visitor Choices”).

Outbrain

This website uses technology from Outbrain Inc. (“Outbrain”, 39 W 13th Street New York, NY 10011 USA). This makes it possible to specifically address those Internet users with advertising on the websites of our partners who have already shown interest in our offers or have collected data about them. The technology depends on a cookie-based analysis of user behavior on an anonymous basis and does not track or collect any personally identifiable information. Outbrain collects so-called UUIDs using cookies and additionally collects the following user information: IP address (anonymized according to industry standards); device type, browser type, operating system, pages visited; time of visit and referring URL(s). Outbrain does not combine user information with the profile of a UUID. This advertising appears only on Outbrain ad spaces, either on Outbrain Engage ad spaces or on the Outbrain Extended Network. The purpose and scope of the data collection and the further processing and use of the data by Outbrain as well as your related rights and privacy settings can be found in Outbrain’s Privacy Policy: https://www.outbrain.com/legal/privacy. If you do not want interest-related advertising to be displayed to you, you can deactivate this function here.

AdUp

The tracking of Ad Up, a technology and service provider of Axel Springer Teaser Ad GmbH (Axel-Springer-Straße 65, 10969 Berlin), is integrated on our website. Through the collection of anonymous and/or pseudonymous data, Ad Up can subsequently display advertisements for a certain period of time on websites in an interest-friendly manner. Ad Up uses cookies to provide advertisers with conversion tracking to determine the effectiveness of their ads and keywords. The legal basis is Art. 6 Para. 1 S. 1 f DSGVO, namely the pursuit of our business purposes, which is the targeted advertising of our services. For more information on data protection at Axel Springer Teaser Ad GmbH, please visit https://www.adup-tech.com/datenschutz/. Using the “Activate Opt-Out-Cookie” button available there, you can also set an Opt-Out-Cookie in your browser and thus deactivate Ad Up in this browser.

Google Marketing Platform (formerly DoubleClick by Google)

This website continues to use Google’s online marketing tool Campaign Manager. Campaign Manager uses cookies to serve ads relevant to users, to improve campaign performance reports, and to prevent a user from seeing the same ads more than once. Google uses a cookie ID to track which ads appear in which browser, thereby preventing them from appearing more than once. In addition, Campaign Manager can use cookie IDs to collect conversions related to ad requests. This is the case, for example, when a user sees a Campaign Manager ad and later visits the advertiser’s website with the same browser and buys something there. According to Google, Campaign Manager cookies do not contain any personally identifiable information.

Because of the marketing tools used, your browser automatically connects directly to Google’s server. We have no influence on the extent and further use of the data collected by Google through the use of this tool and therefore inform you according to our state of knowledge: Through the integration of Campaign Manager, Google receives the information that you have visited a certain part of our website or clicked on an advertisement from us. If you are registered with a Google service, Google can assign the visit to your account. Even if you are not registered with Google or have not logged in, it is possible for the provider to find out and store your IP address.

In addition, the Campaign Manager (DoubleClick Floodlight) cookies used enable us to understand whether you are performing any actions on our website after you have accessed or clicked on one of our display/video ads on Google or another platform via Campaign Manager (conversion tracking). Campaign Manager uses this cookie to understand the content that you have interacted with on our websites in order to send you targeted advertisements later.

You can prevent participation in this tracking process in a number of ways:
a) by setting your browser software accordingly, in particular by suppressing third party cookies to prevent you from receiving advertisements from third parties;
b) by disabling conversion tracking cookies by setting your browser to block cookies from the googleadservices.com domain, https://www.google.de/settings/ads, whereby this setting is deleted if you delete your cookies;
c) by disabling the interest-based ads of the providers that are part of the “About Ads” self-regulatory campaign via the link http://www.aboutads.info/choices, whereby this setting will be deleted if you delete your cookies;
d) by permanently disabling it in your Firefox, Internet Explorer or Google Chrome browsers at the http://www.google.com/settings/ads/plugin link;
e) and by means of the corresponding cookie setting in your browser: If you do not wish cookies to be used to collect data, please deactivate the saving of cookies in the appropriate setting in your browser. You can also delete existing cookies there. Please be aware that if you do so,  you may not be able to use all functions of this offer to their full extent.

In addition, you can prevent Google from collecting data generated by cookies about your use of websites as well as the processing of this data by Google, by downloading and installing the browser plug-in available at https://support.google.com/adsense/answer/142293?hl=en under “Display settings”, “Extension for Campaign Manager deactivation”.

For more information about the Google Marketing Platform, please visit https://marketingplatform.google.com/about/ and for Google’s general privacy policy, visit https://www.google.de/intl/de/policies/privacy. Alternatively, you can visit the Network Advertising Initiative (NAI) website at http://www.networkadvertising.org.

Legal basis: Art. 6 (1) a DSGVO

Prevent cookies

If you do not wish cookies to be used to collect data, please deactivate the saving of cookies in the appropriate setting on your browser. You can also delete existing cookies there. Please be aware that if you do so,  you may not be able to use all the functions of this website to their full extent.