Data Protection Notice

You have the right to access any personal data about you that we process and are entitled to request their rectification, erasure or a restriction on their processing. Furthermore, you enjoy the right to object to the processing and a right to data portability. In other words, you have the right to obtain the data in a structured, commonly used and machine-readable format.

If you would like to know which data about you KSV1870 actually stores, you can easily and conveniently order an access report in accordance with Article 15 GDPR. You will find all the information you need here.
If you are of the opinion that the processing of your personal data violates the EU's General Data Protection Regulation, you have the right to file a complaint with the Austrian Data Protection Authority or a supervisory authority in any of the EU's other member states, especially at your place of work or residence.

This Data Protection Notice is applicale for the website www.ksv.at. Website operator under data protection law is KSV1870 Holding AG, Wagenseilgasse 7, 1120 Vienna. Individual pages may include links or buttons to other organisations, which are not covered by this Data Protection Notice.
The content provided on this portal has been complied to the best of our knowledge and belief. Credit protection is always the overriding purpose. However, liability on the part of the KSV1870 Group or individual companies for the accuracy of the information provided on the portal and for third-party content to which links refer is excluded.

Kreditschutzverband von 1870 is responsible for the processing of your personal data within the context of membership and legal representation in insolvency cases, KSV1870 Forderungsmanagement GmbH is responsible for the processing within the context of debt recovery and KSV1870 Information GmbH is responsible for the processing when it comes to business information and credit reports as well as address trading. All these companies have their registered office at Wagenseilgasse 7, 1120 Vienna. Your processor is KSV1870 Holding AG, which also operates the website. All these companies are hereinafter collectively referred to as the KSV1870 Group. 

Contact details for website-related matters

KSV1870 Holding AG
Wagenseilgasse 7, 1120 Vienna
T: +43 (0) 50 1870-1000
Email: ksv.onlineservice@ksv.at
The data protection officer of KSV1870 Group can be reached at ksv1870.datenschutzbeauftragter@ksv.at during normal office hours.

Object of and amendments to the Data Protection Notice
This Notice relates to the data that becomes available during a visit to our website and provides information on how we handle this data. The KSV1870 Group reserves the right to amend the Data Protection Notice at any time. Any amendment may will be posted on the website.

Personal data is any information concerning an identified or identifiable natural person ('subject'). We process your personal data in compliance with the applicable regulations under data protection law.

We collect personal data made available whenever contact is established, orders are placed, prize games are played, or information material is downloaded. The data made available on this portal is processed with the utmost care and in compliance with all general legal requirements.
We need your personal data to initiate and develop the business relationship. Without this data, we are unable to enter into or continue the relevant contract with you.
When you place an order via the website or send us an enquiry and complete the form to do so, the data you provide will be processed accordingly. Such data may include: first name and family name, title, date of birth, sex, address, email, telephone number, company name, bank details including IBAN/BIC, information on your debtors, uploaded documents (confirmation of registration [Meldezettel], passport copy, invoice copies, debtor details, your message. In addition, the IP address and the time of your inquiry is stored in our CMS (content management system). All this data is stored in the CMS for a maximum period of three months.
 
In addition, your order data will be stored in the relevant production systems of the relevant company in the KSV1870 Group for the duration required for contract performance and/or until the business relationship ends or as long as statutory retention and documentation obligations require.
The KSV1870 Group does not store any credit card details you provide when you place an order. When ordering, you will be redirected to our payment provider Unzer Austria GmbH to enter your credit card details and your data will be stored at Unzer Austria GmbH, Grüngasse 16, 1050 Vienna, https://www.unzer.com/de/.
Your postal address and/or e-mail address or telephone number will be used by the above referenced companies of the KSV1870 Group for correspondence and to send promotional material for products or services similar to those found on our website.

KSV1870 sends newsletter to its customers and members. By subscribing to the newsletter, you consent to receiving information on new products, services, vouchers, events, legal advice and important developments at the KSV1870 Group and to having all the provided data processed as required when sending the newsletter for promotional purposes.
For our newsletter dispatch and analysis, we use the email marketing software mailworx, eworx Network & Internet GmbH, Hafenstraße 2a, 4020 Linz, which records opening and click rates. More specifically, the following information is tracked: time of delivery, time of opening, duration of opening, IP address of opening, email programme used (mail client), which links were clicked and the time at which such clicks occur. This data is processed exclusively within the European Union and not disclosed to third parties. For further information on privacy at Mailworx, please go to https://mailworx.info/de/impressum/datenschutz
You are free to unsubscribe ads and newsletter at any time – also during initiation of the business relationship – and in every email you receive by clicking the unsubscribe link or by sending an email to ksv.onlineservice@ksv.at.

The KSV1870 Group is committed to the protection of creditors. We process your personal data so that we can carry out your order, perform a contract (Article 6[1][b] GDPR) and for purposes of legitimate interests (Article 6[f] GDPR).
When we process your personal data based exclusively on your consent (e.g. for specific marketing and promotional activities), this consent defines the purpose and the scope of data processing. A consent may be withdrawn at any time, prohibiting any further processing for the future (Article 6[1][a] GDPR). 

We transmit the personal data provided by you to third parties only if required by the law or regulations

• in order to defend the rights or property of the aforementioned companies of the KSV1870 Group, 
• to protect the interests of other customers or members (e.g. misuse of data or identity theft),
• once you have given your consent (e.g. for specific marketing activities) or

for purposes of fulfilling our obligations towards you.

To make our services as convenient as possible, we use what are called cookies. Cookies are small text files that are stored on your terminal device with the help of the browser. They allow us to identify your browser the next time you visit our website. A cookie causes no damage, is not concealed and can be deleted by the user. Once a cookie has been erased, the user may not be able to use all the applications available on a given page.
 
There are lots of options that allow you to deactivate all or specific cookies. Some of these are available in the browser. Check out your browser's help pages to find out more. As a rule, you get to decide which cookie types to disable. You can also change the settings via the link in the footer of this website.

The length of time cookies stay on your computer or mobile devices varies. KSV1870 uses persistent cookies and session cookies. Persistent cookies are stored to ensure that the website is displayed correctly and to analyse surfing behaviour on our website. The feedback we receive allows us to continue developing the website and make it more user-friendly. These cookies stay on your computer for a certain length of time even after you shut the browser. Session cookies last only as long as the browser remains open and are automatically deleted when the browser is shut. The purpose of session cookies is to make website use more convenient.
In addition to the cookies needed to ensure website operation and/or the availability of individual features, KSV1870 uses cookies for promotional purposes, analytical cookies and social media cookies. 

Google Analytics

This website uses Google Analytics, a web analysis service brought to you by Google Inc. ("Google") that implements cookies which are stored on the computer or terminal device and help to analyse website use. As a rule, the information generated by the cookie about someone's use of this website is sent to a Google server in the US and stored there. However, if the IP anonymiser has been activated on this website, the visitor's IP address will be abbreviated by Google first if it is located in a member state of the European Union or one of the countries that have signed the Agreement on the European Economic Area.

Only in exceptional cases is the full IP address transferred to a Google server in the USA and abbreviated there. On behalf of the operator of this website, Google uses this information to evaluate website use, to compile reports on website activities and to perform further services for the operator of this website that are associated with use of the website and the internet.

The IP address transmitted from the visitor's browser through Google Analytics is not integrated with any other Google data. Visitors have the choice of preventing installation of cookies by changing the settings of their browser software. Moreover, visitors can prevent the collection of the data generated by the cookie and data relating to their use of the website (incl. their IP address) as well as the processing of this data by Google by downloading and installing the browser plug-in available at the following link: http://tools.google.com/dlpage/gaoptout
We must point out that this website has added the code "gat._anonymizeIp();" to Google Analytics in order to warrant the anonymised collection of IP addresses (known as IP masking).
 
Please also observe Google's privacy policy (http://www.google.de/policies/privacy/), specifically the section on Google's data use when visiting partner sites (http://www.google.com/intl/de/policies/privacy/partners/).
 
YouTube in enhanced data protection mode

We use YouTube to integrate videos. The videos are embedded in an enhanced data protection mode. YouTube uses cookies to collection information on visitors to its website. YouTube also uses cookies to capture video statistics for the purpose of preventing fraud and improving user-friendliness. This, too, involves a connection with the Google DoubleClick network. Starting the video may trigger further data processing. This is beyond our control. You will find further information on data protection at YouTube in their privacy guidelines at www.youtube.com/t/privacy_at_youtube
 
Java Script
 
We use JavaScript. This cookie is implemented to find out whether the user has enabled or disabled JavaScript. That is important because some website features will not function properly when JavaScript is disabled.
 
Twyn 
 
We make use of the services provided by twyn group GmbH, Dr. Schauer-Straße 26, 4600 Wels and these services use cookies. Cookies are implemented to keep a tab on and analyse user behaviour and to display relevant advertising campaigns to users in a targeted manner. You will find further information at http://www.twyn.com/datenschutz.html
 
Social media cookies for conversion tracking

On our website, we implement pixels provided by the micro-blogging service Twitter and the business network LinkedIn. With their help, we are able to trace the activities of users once they have seen or clicked on an ad. This allows us to measure the effectiveness of ads for statistical purposes and for market research. The data captured in the process are anonymous. In other words, we have no access to the personal data of individual users. For further information on Twitter's privacy policy go to https://twitter.com/de/privacy and to https://www.linkedin.com/legal/privacy-policy?trk=uno-reg-guest-home-privacy-policy for the privacy policy of LinkedIn.
 
Some pages on our website may include content, applications or plug-ins provided by third parties that serve to trace your use of content, application or plug-ins and/or optimise your use of content, applications or plug-ins. For instance, when you share an article that you found on our website or use the share button for social media on our KSVBLOG (e.g. Twitter, Facebook, etc.), this process is recorded by the social network that provided the button. For further information, please consult the privacy policies of the various social media providers.
 
Retargeting and profiling

Retargeting is a term used to designate a personalised targeting strategy. When a user visits our website, he or she is tagged with a cookie so that personalised ads can be displayed on any subsequent website he or she moves on to. For this purpose, we use Google and the marketing automation software called Droidmarketing.

Droidmarketing: For some mails, we use the customer journey operating and analysis software Droidmarketing provided by Droid Marketing GmbH, Ungargasse 64-66/2/405, 1030 Vienna, to record and analyse personal data in the context of current web behaviour and thus to provide customised, personalised offers and direct advertising tailored to specific needs.

The cookies are used to analyse user behaviour. For this purpose, the server accesses your cookies and processes the information stored in them. These cookies are implemented to improve service quality, which includes storing user settings, and to track visitor trends, e.g. the products you are interested in and/or the products you ordered. They are placed by Droidmarketing on behalf of KSV1870. When the "Cookies" feature is enabled in the browser settings on your computer, we are able to identify the browser of the local computer.

Your local browser's security settings include information on whether the cookie feature is enabled. As a rule, the cookie feature is enabled. Consult the Help menu in your browser to find out how to disable cookies and/or which cookies have already been placed on your computer. The data (Droidmarketing) is processed exclusively within the European Union and not disclosed to third parties.

All rights and obligations arising from the use of the KSC1870 portal are subject to Austrian law. The venue is Vienna. If you are a consumer, the venue is at your place of residence.

The default setting in most browsers allows cookies to be accepted. However, visitors can change their browser settings and, in so doing, reject cookies sent by KSV1870. In this case, however, they may not be able to use all the website features. Below you will find an overview of the tools used by KSV1870 and the possibility of opting out from each one.

If you are looking for an alternative, there are websites such as http://www.aboutads.info/choices/ that identify cookies and offer the possibility of opting out. 

We use browser push notifications from PushPanda.io. Browser push notifications are messages that can be displayed on your device without opening the website or the respective app. No personal user data such as IP addresses or the like, which could lead to direct conclusions about the respective user, are stored. When registering (opt-in procedure) in the notification mailing list, only an identification key and the geographic IP information (country and state) of the user are transmitted and stored in the PushPanda.io database. This key is assigned by the respective browser manufacturer (Google, Mozilla, Apple, etc.) and enables the notifications to be sent to the respective browser later. The dispatch takes place directly via the browser manufacturer.

If the opt-in for our Insolvency Push is withdrawn (opt-out), all data stored at PushPanda.io will be deleted and the identification key will become invalid. Information about the opt-out for push messages can be found at https: //www.pushpanda .io / de / links / deregistration /. PushPanda.io is a service from Project K GmbH based in Innsbruck, Austria.

• The processed message trails are kept on KSV1870 servers in Austria for a period of 1 year in due compliance with all data protection requirements and then automatically erased.

• The log files are stored for a period of 1 year and then automatically erased.

• Please be assured that, in providing the chatbot service, no personal data is analysed or used for profiling purposes.

Der KSV1870 veranstaltet gemeinsam mit Die Presse und PwC Österreich einmal jährlich den österreichweiten Businessbewerb „Austria´s Leading Companies“, kurz ALC. Interessenten können sich auf der KSV1870 Website über ALC informieren und am Wettbewerb anmelden. Zum Zweck der Convertionmessung wurden gemeinsam mit Die Presse Conversion-Pixel (temporäre Cookies) der jeweiligen Werbenetzwerke (Facebook, Google, LinkedIn, Twitter) auf der Übersichtsseite zur Anmeldung https://www.ksv.at/kooperationen/alc sowie auf der Formularseite https://www.ksv.at/anmeldung-fuer-bewerb-austrias-leading-companies-2020 eingebunden. Im Rahmen der Werbemaßnahmen von ALC werden keine personenbezogenen Daten erhoben.

Mehr Informationen zu den eingesetzten Conversion-Pixel finden Sie anbei:
Facebook: https://www.facebook.com/business/help/651294705016616
Google: https://support.google.com/google-ads/answer/7521212
LinkedIn: https://www.linkedin.com/help/lms/topics/8203/8240
Twitter: https://business.twitter.com/de/help/ads-policies/other-policy-requirements/policies-for-conversion-tracking-and-tailored-audiences.html

Zweck der Datenverarbeitung:
Mit Hilfe eines Cookies bzw. Pixels können wir nachvollziehen, wie die Marketingmaßnahmen rund um ALC wirken und diese laufend verbessern. Die Cookies werden ausschließlich erhoben, um zu messen, ob der User die Zielseite erreicht.

Folgende Daten können durch die Cookies erhoben werden:

• IP-Adresse ermöglicht Rückschlüsse auf den Standort­
• Zeitpunkt des Aufrufs der E-Mail oder der Webseite
• verwendetes Betriebssystem
• Art der Webseiten- oder Mail-Nutzung, zum Beispiel mobil oder mit dem Desktop
• eingesetzter Client zum Beispiel ein Browser oder ein Mailprogramm
• Bildschirmauflösung des vom Nutzer verwendeten Endgeräts