Angaben gemäß § 5 TMG:

Wonderful wine, from Schlipf. Weingut Claus Schneider in Weil am Rhein.

WiWo App Jetzt gratis testen. Jede von der Verarbeitung personenbezogener Daten betroffene Person hat das vom Europäischen Richtlinien- und Verordnungsgeber gewährte Recht, aus Gründen, die sich aus ihrer besonderen Situation ergeben, jederzeit gegen die Verarbeitung sie betreffender personenbezogener Daten, die aufgrund von Art. Freemium ist ein Geschäftsmodell, bei dem das Basisprodukt gratis angeboten wird, während das Vollprodukt und Erweiterungen kostenpflichtig sind. Perfekt für Fitnesscenter, Yoga-Studios und mehr!

Was ist PSD2 (Payment Services Directive 2)?

Intuitive und einfache Bedienung bei großer Funktionsvielfalt – das schätzen unsere Kunden – dafür steht hope. Von Anfang an wurde bei der Entwicklung konsequent auf .

Alle Daten werden genutzt. Entweder um die Services zu vereinfachen oder aber mit den Daten neue Angebote zu entwickeln. Eine der Prioritäten der Universalbanken sind Filialen und Marketing. Die FinTechs müssen auf technologische Umsetzungskraft und Innovation setzen.

Das funktioniert, weil die Startups oft bei null Infrastruktur starten. Sie haben keine Kunden, keine IT-Altsysteme legacy systems von denen Kundendaten auf neue Systeme microservices migriert werden müssen. Die internen Compliance-Prozesse der Banken, die Innovationen verzögern, gibt es bei near Banks nicht. Auch das Geschäftsmodell unterscheidet sich stark. Die etablierten Banken konzentrieren sich hierbei auf Geschäfte mit hohen Margen, z.

Mit Cross Selling und Gebühren z. Mit einem Kontozugriff in Echtzeit könnten beispielsweise per Skript Transaktionen für Geldanlagen automatisiert werden. Nehmen wir an, Sie haben heute auf Ihrem Bankkonto Euro herumliegen, das Geld vermehrt sich durch die aktuellen Niedrigzinsen kaum. Wenn jedoch ein smartes Skript dieses Geld automatisch auf einem anderen Konto oder einem Investment transferieren könnte, dann könnte mit dem Geld gearbeitet werden.

Ein Konzept ist das sog. Die Transaktionen von Tradern können damit quasi in Echtzeit und automatisch nachgebildet werden siehe z. Auf solche kleinteiligen und spezialisierten Aufgaben setzen hingegen FinTechs als Geschäftsmodell. Hierbei sind auch potentiale von künstlicher Intelligenz. Diese kleinteiligen Transaktionen sind bei traditionellen Banken heute lediglich manuell möglich.

Die etablierten Banken haben wenig Interesse, dass die Kunden freies Kapital nutzen. Es offenbart sich ein Interessenkonflikt zwischen den disruptiven Ideen der Startups und den Geschäftsmodellen der etablierten Banken.

Die Horrorvision von Banken ist eine Money Pipe zu werden und dadurch die Kundenbeziehungen zu verlieren. Die Erlösmodelle der FinTechs setzen auf gratis Basisdienste. Geld wird mit kostenpflichtigen Zusatzdiensten Freemium verdient. Damit sollen den Kunden Kredite gegen Gebühren vermittelt werden. FinTechs haben als zentrale Herausforderung Banken zu werden, damit diese mit Risiken im Kreditgeschäft konform der Bankregulierung umgehen können und nicht von white Label Banken wie z.

Das viel gehypte deutsche Banking-Startup N26 früher Number26 hat dies im letzten Jahr geschafft und besitzt nun eine Vollbanklizenz. Eine Banklizenz und zu bekommen bedeutet, dass diese neuen Player nicht nur eine wunderschöne App brauchen sondern die Auditierungen und Compliance in den Griff bekommen.

Nur mit 25 jährigen IT-Hipsters können diese keine Banklizenz erwerben. Die Rolle der Universalbanken wird dann weiter zurückgehen oder sich zu einer Art Marktplatz wandeln.

Solche Ansätze sind bei den innovationsführenden Banken bereits heute umgesetzt. FinTechs nutzen Konzepte der open innovation , bei dem Endkunden über Ideen abstimmen können. Ein Beispiel ist das Trello-Ideenboard von Monzo. Der Trend zu offenen Banking mit Schnittstellen ist nicht neu.

Man sehe sich die Stellenanzeigen bei diesen Firmen an. Dort werden neben Bankern z. Etablierte Banken und Schemes müssen passende Strategien entwickeln und die Innovationskraft steigern. Banken werden Softwareunternehmen und Softwareunternehmen werden Banken. PSD2 wird den Innovationsdruck für die Banken erhöhen.

Neue Anbieter und Intermediäre werden eintreten, um neue Technologien wie künstliche Intelligenz, Kryptowährungen oder Chatbots für nutzerzentrierte Mehrwerte zu kombinieren. Die Rolle der Banken verändert sich.

Die Banken werden weiterhin die Compliance und Sicherheit garantieren müssen. Doch die etablierten Banken werden sich neu aufstellen müssen. Beispiele sind Bank Startups wie Solaris oder Fidor. Etablierte Banken springen auf den Zug auf und machen viele Schritte Richtung open banking. Die deutsche Bank arbeitet sehr eng mit der Banking as a Service Plattform fi. Der Ansatz der Universalbanken wird damit extrem herausgefordert.

Die Anbindung an den Hotelbarometer befindet sich momentan in […]. Leider können mit diesem System Mobilekeys nur direkt über die Herstellersoftware erstellt werden. Sollte sich dies […]. Dies ist vor allem für Häuser interessant, deren Rezeption nicht durchgehend besetzt ist. Das lästige Warten […].

Die neue Schnittstelle zu unserem Partner Betterspace ermöglicht Ihnen die vollautomatische und effiziente Steuerung Ihrer Heizungsanlage.

Zusätzlich haben Sie die Möglichkeit, den Gast mit einer digitalen Gästemappe individuell und persönlich zu empfangen und zu […]. Mit der neuen Version 5. Obwohl hope schon seit Jahren manipulationssicher ist, wurden auch manche Funktionen noch sicherer gemacht.

Unser Erfolg ist das Ergebnis des täglichen Einsatzes all unser Mitarbeiter. Jeder dieser Mitarbeiter ist hervorragend qualifiziert — viele verfügen über langjährige Erfahrungen in ihren jeweiligen Fachbereichen. Wir sind stolz auf unser Team, in dem alle ihrer Arbeit mit hohem fachlichen und persönlichen Interesse nachgehen. Ihre Mitteilung wurde erfolgreich gesendet.

Das hope -Team wird sich umgehend um Ihre Anliegen kümmern und Sie über die weiteren Schritte informieren. We are very delighted that you have shown interest in our enterprise.

Data protection is of a particularly high priority for the management of the hope-Software GmbH. The use of the Internet pages of the hope-Software GmbH is possible without any indication of personal data; however, if a data subject wants to use special enterprise services via our website, processing of personal data could become necessary. If the processing of personal data is necessary and there is no statutory basis for such processing, we generally obtain consent from the data subject.

The processing of personal data, such as the name, address, e-mail address, or telephone number of a data subject shall always be in line with the General Data Protection Regulation GDPR , and in accordance with the country-specific data protection regulations applicable to the hope-Software GmbH. By means of this data protection declaration, our enterprise would like to inform the general public of the nature, scope, and purpose of the personal data we collect, use and process.

Furthermore, data subjects are informed, by means of this data protection declaration, of the rights to which they are entitled. As the controller, the hope-Software GmbH has implemented numerous technical and organizational measures to ensure the most complete protection of personal data processed through this website.

However, Internet-based data transmissions may in principle have security gaps, so absolute protection may not be guaranteed. For this reason, every data subject is free to transfer personal data to us via alternative means, e. Our data protection declaration should be legible and understandable for the general public, as well as our customers and business partners. To ensure this, we would like to first explain the terminology used. An identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.

Data subject is any identified or identifiable natural person, whose personal data is processed by the controller responsible for the processing. Processing is any operation or set of operations which is performed on personal data or on sets of personal data, whether or not by automated means, such as collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.

Restriction of processing is the marking of stored personal data with the aim of limiting their processing in the future. Profiling means any form of automated processing of personal data consisting of the use of personal data to evaluate certain personal aspects relating to a natural person, in particular to analyse or predict aspects concerning that natural person's performance at work, economic situation, health, personal preferences, interests, reliability, behaviour, location or movements.

Pseudonymisation is the processing of personal data in such a manner that the personal data can no longer be attributed to a specific data subject without the use of additional information, provided that such additional information is kept separately and is subject to technical and organisational measures to ensure that the personal data are not attributed to an identified or identifiable natural person. Controller or controller responsible for the processing is the natural or legal person, public authority, agency or other body which, alone or jointly with others, determines the purposes and means of the processing of personal data; where the purposes and means of such processing are determined by Union or Member State law, the controller or the specific criteria for its nomination may be provided for by Union or Member State law.

Processor is a natural or legal person, public authority, agency or other body which processes personal data on behalf of the controller.

Recipient is a natural or legal person, public authority, agency or another body, to which the personal data are disclosed, whether a third party or not. However, public authorities which may receive personal data in the framework of a particular inquiry in accordance with Union or Member State law shall not be regarded as recipients; the processing of those data by those public authorities shall be in compliance with the applicable data protection rules according to the purposes of the processing.

Third party is a natural or legal person, public authority, agency or body other than the data subject, controller, processor and persons who, under the direct authority of the controller or processor, are authorised to process personal data. Consent of the data subject is any freely given, specific, informed and unambiguous indication of the data subject's wishes by which he or she, by a statement or by a clear affirmative action, signifies agreement to the processing of personal data relating to him or her.

Controller for the purposes of the General Data Protection Regulation GDPR , other data protection laws applicable in Member states of the European Union and other provisions related to data protection is:. The Internet pages of the hope-Software GmbH use cookies.

Cookies are text files that are stored in a computer system via an Internet browser. Many Internet sites and servers use cookies. Many cookies contain a so-called cookie ID. A cookie ID is a unique identifier of the cookie. It consists of a character string through which Internet pages and servers can be assigned to the specific Internet browser in which the cookie was stored.

This allows visited Internet sites and servers to differentiate the individual browser of the dats subject from other Internet browsers that contain other cookies. A specific Internet browser can be recognized and identified using the unique cookie ID. Through the use of cookies, the hope-Software GmbH can provide the users of this website with more user-friendly services that would not be possible without the cookie setting.

By means of a cookie, the information and offers on our website can be optimized with the user in mind. Cookies allow us, as previously mentioned, to recognize our website users. The purpose of this recognition is to make it easier for users to utilize our website.

The website user that uses cookies, e. Another example is the cookie of a shopping cart in an online shop. The online store remembers the articles that a customer has placed in the virtual shopping cart via a cookie. The data subject may, at any time, prevent the setting of cookies through our website by means of a corresponding setting of the Internet browser used, and may thus permanently deny the setting of cookies.

Furthermore, already set cookies may be deleted at any time via an Internet browser or other software programs. This is possible in all popular Internet browsers. If the data subject deactivates the setting of cookies in the Internet browser used, not all functions of our website may be entirely usable. The website of the hope-Software GmbH collects a series of general data and information when a data subject or automated system calls up the website.

This general data and information are stored in the server log files. Collected may be 1 the browser types and versions used, 2 the operating system used by the accessing system, 3 the website from which an accessing system reaches our website so-called referrers , 4 the sub-websites, 5 the date and time of access to the Internet site, 6 an Internet protocol address IP address , 7 the Internet service provider of the accessing system, and 8 any other similar data and information that may be used in the event of attacks on our information technology systems.

When using these general data and information, the hope-Software GmbH does not draw any conclusions about the data subject. Rather, this information is needed to 1 deliver the content of our website correctly, 2 optimize the content of our website as well as its advertisement, 3 ensure the long-term viability of our information technology systems and website technology, and 4 provide law enforcement authorities with the information necessary for criminal prosecution in case of a cyber-attack.

Therefore, the hope-Software GmbH analyzes anonymously collected data and information statistically, with the aim of increasing the data protection and data security of our enterprise, and to ensure an optimal level of protection for the personal data we process. The anonymous data of the server log files are stored separately from all personal data provided by a data subject. The data subject has the possibility to register on the website of the controller with the indication of personal data.

Which personal data are transmitted to the controller is determined by the respective input mask used for the registration. The personal data entered by the data subject are collected and stored exclusively for internal use by the controller, and for his own purposes. The controller may request transfer to one or more processors e. By registering on the website of the controller, the IP address—assigned by the Internet service provider ISP and used by the data subject—date, and time of the registration are also stored.

The storage of this data takes place against the background that this is the only way to prevent the misuse of our services, and, if necessary, to make it possible to investigate committed offenses.

Insofar, the storage of this data is necessary to secure the controller. This data is not passed on to third parties unless there is a statutory obligation to pass on the data, or if the transfer serves the aim of criminal prosecution.

The registration of the data subject, with the voluntary indication of personal data, is intended to enable the controller to offer the data subject contents or services that may only be offered to registered users due to the nature of the matter in question. Registered persons are free to change the personal data specified during the registration at any time, or to have them completely deleted from the data stock of the controller. The data controller shall, at any time, provide information upon request to each data subject as to what personal data are stored about the data subject.

In addition, the data controller shall correct or erase personal data at the request or indication of the data subject, insofar as there are no statutory storage obligations.

On the website of the hope-Software GmbH, users are given the opportunity to subscribe to our enterprise's newsletter. The input mask used for this purpose determines what personal data are transmitted, as well as when the newsletter is ordered from the controller. The hope-Software GmbH informs its customers and business partners regularly by means of a newsletter about enterprise offers. The enterprise's newsletter may only be received by the data subject if 1 the data subject has a valid e-mail address and 2 the data subject registers for the newsletter shipping.

A confirmation e-mail will be sent to the e-mail address registered by a data subject for the first time for newsletter shipping, for legal reasons, in the double opt-in procedure. This confirmation e-mail is used to prove whether the owner of the e-mail address as the data subject is authorized to receive the newsletter.

During the registration for the newsletter, we also store the IP address of the computer system assigned by the Internet service provider ISP and used by the data subject at the time of the registration, as well as the date and time of the registration.

The collection of this data is necessary in order to understand the possible misuse of the e-mail address of a data subject at a later date, and it therefore serves the aim of the legal protection of the controller. The personal data collected as part of a registration for the newsletter will only be used to send our newsletter.

In addition, subscribers to the newsletter may be informed by e-mail, as long as this is necessary for the operation of the newsletter service or a registration in question, as this could be the case in the event of modifications to the newsletter offer, or in the event of a change in technical circumstances. There will be no transfer of personal data collected by the newsletter service to third parties.

The subscription to our newsletter may be terminated by the data subject at any time. The consent to the storage of personal data, which the data subject has given for shipping the newsletter, may be revoked at any time. For the purpose of revocation of consent, a corresponding link is found in each newsletter. It is also possible to unsubscribe from the newsletter at any time directly on the website of the controller, or to communicate this to the controller in a different way. The newsletter of the hope-Software GmbH contains so-called tracking pixels.

A tracking pixel is a miniature graphic embedded in such e-mails, which are sent in HTML format to enable log file recording and analysis. This allows a statistical analysis of the success or failure of online marketing campaigns.

Based on the embedded tracking pixel, the hope-Software GmbH may see if and when an e-mail was opened by a data subject, and which links in the e-mail were called up by data subjects. Such personal data collected in the tracking pixels contained in the newsletters are stored and analyzed by the controller in order to optimize the shipping of the newsletter, as well as to adapt the content of future newsletters even better to the interests of the data subject.

These personal data will not be passed on to third parties. Data subjects are at any time entitled to revoke the respective separate declaration of consent issued by means of the double-opt-in procedure.

After a revocation, these personal data will be deleted by the controller. The hope-Software GmbH automatically regards a withdrawal from the receipt of the newsletter as a revocation. The website of the hope-Software GmbH contains information that enables a quick electronic contact to our enterprise, as well as direct communication with us, which also includes a general address of the so-called electronic mail e-mail address.

If a data subject contacts the controller by e-mail or via a contact form, the personal data transmitted by the data subject are automatically stored. Such personal data transmitted on a voluntary basis by a data subject to the data controller are stored for the purpose of processing or contacting the data subject. There is no transfer of this personal data to third parties. The hope-Software GmbH offers users the possibility to leave individual comments on individual blog contributions on a blog, which is on the website of the controller.

A blog is a web-based, publicly-accessible portal, through which one or more people called bloggers or web-bloggers may post articles or write down thoughts in so-called blogposts. Blogposts may usually be commented by third parties. If a data subject leaves a comment on the blog published on this website, the comments made by the data subject are also stored and published, as well as information on the date of the commentary and on the user's pseudonym chosen by the data subject.

This storage of the IP address takes place for security reasons, and in case the data subject violates the rights of third parties, or posts illegal content through a given comment. The storage of these personal data is, therefore, in the own interest of the data controller, so that he can exculpate in the event of an infringement.

This collected personal data will not be passed to third parties, unless such a transfer is required by law or serves the aim of the defense of the data controller. The comments made in the blog of the hope-Software GmbH may be subscribed to by third parties. In particular, there is the possibility that a commenter subscribes to the comments following his comments on a particular blog post.

If a data subject decides to subscribe to the option, the controller will send an automatic confirmation e-mail to check the double opt-in procedure as to whether the owner of the specified e-mail address decided in favor of this option.

The option to subscribe to comments may be terminated at any time. The data controller shall process and store the personal data of the data subject only for the period necessary to achieve the purpose of storage, or as far as this is granted by the European legislator or other legislators in laws or regulations to which the controller is subject to. If the storage purpose is not applicable, or if a storage period prescribed by the European legislator or another competent legislator expires, the personal data are routinely blocked or erased in accordance with legal requirements.

Each data subject shall have the right granted by the European legislator to obtain from the controller the confirmation as to whether or not personal data concerning him or her are being processed.

If a data subject wishes to avail himself of this right of confirmation, he or she may, at any time, contact our Data Protection Officer or another employee of the controller. Each data subject shall have the right granted by the European legislator to obtain from the controller free information about his or her personal data stored at any time and a copy of this information.

Furthermore, the European directives and regulations grant the data subject access to the following information:. Furthermore, the data subject shall have a right to obtain information as to whether personal data are transferred to a third country or to an international organisation.

Where this is the case, the data subject shall have the right to be informed of the appropriate safeguards relating to the transfer.

If a data subject wishes to avail himself of this right of access, he or she may at any time contact our Data Protection Officer or another employee of the controller. Each data subject shall have the right granted by the European legislator to obtain from the controller without undue delay the rectification of inaccurate personal data concerning him or her. Taking into account the purposes of the processing, the data subject shall have the right to have incomplete personal data completed, including by means of providing a supplementary statement.

If a data subject wishes to exercise this right to rectification, he or she may, at any time, contact our Data Protection Officer or another employee of the controller. Each data subject shall have the right granted by the European legislator to obtain from the controller the erasure of personal data concerning him or her without undue delay, and the controller shall have the obligation to erase personal data without undue delay where one of the following grounds applies, as long as the processing is not necessary:.

If one of the aforementioned reasons applies, and a data subject wishes to request the erasure of personal data stored by the hope-Software GmbH, he or she may at any time contact our Data Protection Officer or another employee of the controller. The Data Protection Officer of the hope-Software GmbH or another employee shall promptly ensure that the erasure request is complied with immediately.

Where the controller has made personal data public and is obliged pursuant to Article 17 1 to erase the personal data, the controller, taking account of available technology and the cost of implementation, shall take reasonable steps, including technical measures, to inform other controllers processing the personal data that the data subject has requested erasure by such controllers of any links to, or copy or replication of, those personal data, as far as processing is not required.

The Data Protection Officer of the hope-Software GmbH or another employee will arrange the necessary measures in individual cases. Each data subject shall have the right granted by the European legislator to obtain from the controller restriction of processing where one of the following applies:. If one of the aforementioned conditions is met, and a data subject wishes to request the restriction of the processing of personal data stored by the hope-Software GmbH, he or she may at any time contact our Data Protection Officer or another employee of the controller.

The Data Protection Officer of the hope-Software GmbH or another employee will arrange the restriction of the processing. Each data subject shall have the right granted by the European legislator, to receive the personal data concerning him or her, which was provided to a controller, in a structured, commonly used and machine-readable format.

He or she shall have the right to transmit those data to another controller without hindrance from the controller to which the personal data have been provided, as long as the processing is based on consent pursuant to point a of Article 6 1 of the GDPR or point a of Article 9 2 of the GDPR, or on a contract pursuant to point b of Article 6 1 of the GDPR, and the processing is carried out by automated means, as long as the processing is not necessary for the performance of a task carried out in the public interest or in the exercise of official authority vested in the controller.

Furthermore, in exercising his or her right to data portability pursuant to Article 20 1 of the GDPR, the data subject shall have the right to have personal data transmitted directly from one controller to another, where technically feasible and when doing so does not adversely affect the rights and freedoms of others.

In order to assert the right to data portability, the data subject may at any time contact the Data Protection Officer designated by the hope-Software GmbH or another employee. Each data subject shall have the right granted by the European legislator to object, on grounds relating to his or her particular situation, at any time, to processing of personal data concerning him or her, which is based on point e or f of Article 6 1 of the GDPR.

This also applies to profiling based on these provisions. The hope-Software GmbH shall no longer process the personal data in the event of the objection, unless we can demonstrate compelling legitimate grounds for the processing which override the interests, rights and freedoms of the data subject, or for the establishment, exercise or defence of legal claims. If the hope-Software GmbH processes personal data for direct marketing purposes, the data subject shall have the right to object at any time to processing of personal data concerning him or her for such marketing.

This applies to profiling to the extent that it is related to such direct marketing. If the data subject objects to the hope-Software GmbH to the processing for direct marketing purposes, the hope-Software GmbH will no longer process the personal data for these purposes. In addition, the data subject has the right, on grounds relating to his or her particular situation, to object to processing of personal data concerning him or her by the hope-Software GmbH for scientific or historical research purposes, or for statistical purposes pursuant to Article 89 1 of the GDPR, unless the processing is necessary for the performance of a task carried out for reasons of public interest.

In order to exercise the right to object, the data subject may directly contact the Data Protection Officer of the hope-Software GmbH or another employee. Each data subject shall have the right granted by the European legislator not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning him or her, or similarly significantly affects him or her, as long as the decision 1 is not is necessary for entering into, or the performance of, a contract between the data subject and a data controller, or 2 is not authorised by Union or Member State law to which the controller is subject and which also lays down suitable measures to safeguard the data subject's rights and freedoms and legitimate interests, or 3 is not based on the data subject's explicit consent.

If the decision 1 is necessary for entering into, or the performance of, a contract between the data subject and a data controller, or 2 it is based on the data subject's explicit consent, the hope-Software GmbH shall implement suitable measures to safeguard the data subject's rights and freedoms and legitimate interests, at least the right to obtain human intervention on the part of the controller, to express his or her point of view and contest the decision.

If the data subject wishes to exercise the rights concerning automated individual decision-making, he or she may at any time directly contact our Data Protection Officer of the hope-Software GmbH or another employee of the controller.

Each data subject shall have the right granted by the European legislator to withdraw his or her consent to processing of his or her personal data at any time.

On this website, the controller has integrated the component of Google Analytics with the anonymizer function. Google Analytics is a web analytics service. Web analytics is the collection, gathering, and analysis of data about the behavior of visitors to websites. A web analysis service collects, inter alia, data about the website from which a person has come the so-called referrer , which sub-pages were visited, or how often and for what duration a sub-page was viewed.

Web analytics are mainly used for the optimization of a website and in order to carry out a cost-benefit analysis of Internet advertising. The operator of the Google Analytics component is Google Inc. By means of this application the IP address of the Internet connection of the data subject is abridged by Google and anonymised when accessing our websites from a Member State of the European Union or another Contracting State to the Agreement on the European Economic Area.

The purpose of the Google Analytics component is to analyze the traffic on our website. Google uses the collected data and information, inter alia, to evaluate the use of our website and to provide online reports, which show the activities on our websites, and to provide other services concerning the use of our Internet site for us.

Google Analytics places a cookie on the information technology system of the data subject. The definition of cookies is explained above. With the setting of the cookie, Google is enabled to analyze the use of our website. With each call-up to one of the individual pages of this Internet site, which is operated by the controller and into which a Google Analytics component was integrated, the Internet browser on the information technology system of the data subject will automatically submit data through the Google Analytics component for the purpose of online advertising and the settlement of commissions to Google.

During the course of this technical procedure, the enterprise Google gains knowledge of personal information, such as the IP address of the data subject, which serves Google, inter alia, to understand the origin of visitors and clicks, and subsequently create commission settlements. The cookie is used to store personal information, such as the access time, the location from which the access was made, and the frequency of visits of our website by the data subject. With each visit to our Internet site, such personal data, including the IP address of the Internet access used by the data subject, will be transmitted to Google in the United States of America.

These personal data are stored by Google in the United States of America. Google may pass these personal data collected through the technical procedure to third parties. The data subject may, as stated above, prevent the setting of cookies through our website at any time by means of a corresponding adjustment of the web browser used and thus permanently deny the setting of cookies.

Such an adjustment to the Internet browser used would also prevent Google Analytics from setting a cookie on the information technology system of the data subject. In addition, cookies already in use by Google Analytics may be deleted at any time via a web browser or other software programs. In addition, the data subject has the possibility of objecting to a collection of data that are generated by Google Analytics, which is related to the use of this website, as well as the processing of this data by Google and the chance to preclude any such.

For this purpose, the data subject must download a browser add-on under the link https: This browser add-on tells Google Analytics through a JavaScript, that any data and information about the visits of Internet pages may not be transmitted to Google Analytics.

The installation of the browser add-ons is considered an objection by Google. If the information technology system of the data subject is later deleted, formatted, or newly installed, then the data subject must reinstall the browser add-ons to disable Google Analytics.

If the browser add-on was uninstalled by the data subject or any other person who is attributable to their sphere of competence, or is disabled, it is possible to execute the reinstallation or reactivation of the browser add-ons. Further information and the applicable data protection provisions of Google may be retrieved under https: Google Analytics is further explained under the following Link https: On this website, the controller has integrated Google AdWords.

Google AdWords is a service for Internet advertising that allows the advertiser to place ads in Google search engine results and the Google advertising network. Google AdWords allows an advertiser to pre-define specific keywords with the help of which an ad on Google's search results only then displayed, when the user utilizes the search engine to retrieve a keyword-relevant search result. In the Google Advertising Network, the ads are distributed on relevant web pages using an automatic algorithm, taking into account the previously defined keywords.

The purpose of Google AdWords is the promotion of our website by the inclusion of relevant advertising on the websites of third parties and in the search engine results of the search engine Google and an insertion of third-party advertising on our website.

If a data subject reaches our website via a Google ad, a conversion cookie is filed on the information technology system of the data subject through Google. A conversion cookie loses its validity after 30 days and is not used to identify the data subject.

If the cookie has not expired, the conversion cookie is used to check whether certain sub-pages, e. Through the conversion cookie, both Google and the controller can understand whether a person who reached an AdWords ad on our website generated sales, that is, executed or canceled a sale of goods.

The data and information collected through the use of the conversion cookie is used by Google to create visit statistics for our website. These visit statistics are used in order to determine the total number of users who have been served through AdWords ads to ascertain the success or failure of each AdWords ad and to optimize our AdWords ads in the future. Neither our company nor other Google AdWords advertisers receive information from Google that could identify the data subject.

The conversion cookie stores personal information, e. Each time we visit our Internet pages, personal data, including the IP address of the Internet access used by the data subject, is transmitted to Google in the United States of America. The data subject may, at any time, prevent the setting of cookies by our website, as stated above, by means of a corresponding setting of the Internet browser used and thus permanently deny the setting of cookies.

Such a setting of the Internet browser used would also prevent Google from placing a conversion cookie on the information technology system of the data subject. In addition, a cookie set by Google AdWords may be deleted at any time via the Internet browser or other software programs. The data subject has a possibility of objecting to the interest based advertisement of Google.

Therefore, the data subject must access from each of the browsers in use the link www. On this website, the controller has integrated components of PayPal. Deutschland ist das Land mit Google Pay. In Deutschland ist das Bargeld nach wie vor viel populärer als in anderen Ländern, befindet sich aber allmählich auf dem Rückzug. Bei Online-Zahlungen wird die mit dem Google-Konto verbundene Karte belastet - hier ist damit egal, von welcher Bank sie ist.

Dem Internet-Konzern gehe es darum, Geschäfte zu ermöglichen und Android möglichst attraktiv zu machen. Bezahlen Nutzer also mit ihren Daten? Nutzerdaten verwende der Konzern lediglich dafür, um eine ausführliche Rechnung zu den Käufen zu erstellen. Der iPhone-Konzern hat seit Herbst ein ähnlich funktionierendes Bezahlsystem für seine Telefone und Computer-Uhren, das schrittweise auch in europäischen Ländern eingeführt wird. Über einen anstehenden Start von Apple Pay in Deutschland wurde bereits mehrfach spekuliert, er blieb jedoch bisher aus.

Apple verlangt einen Anteil von 0,15 Prozent von den Transaktionen. Nun gibt es einige tapfere Feldversuche für das Zahlen per Smartphone auch bei deutschen Banken, etwa aus dem genossenschaftlichen Sektor.

Doch diese Testballons stehen meist nur der lokalen Kundschaft zur Verfügung und stellen deshalb keinen breiten Durchbruch dar. Deshalb ist es umso enttäuschender, dass die Banken sich nun beim Smartphone abhängen lassen, statt ihr bei Kunden und Händlern erprobtes und beliebtes Bezahlsystem auf die digital-mobile Welt zu übertragen.

Beim Aufbau eines auch für das Smartphone-Zeitalter geeigneten Bezahldienstes scheint diese Struktur aber hinderlich zu sein. Die Zersplitterung dürfte es dem Weltkonzern Google ermöglichen, den national kleinteilig organisierten Bankensektor hinter sich zu versammeln. Die Banken haben beim mobilen Zahlen übrigens einen wichtigen Trumpf auf der Hand, mit dem Sie den Angreifer Google hätten ausstechen könnten: Beim Schutz der sensiblen Kontoinformationen vertrauen wohl die meisten Kunden eher ihren Banken als dem umstrittenen Datenriesen.