Privacy Policy & GDPR Information

This page explains how CreditAccounts processes personal data, including the purposes, legal bases, retention periods and your rights under GDPR. Replace placeholders with your real company details and tool providers.

Security note: Please do not submit sensitive personal data (passport numbers, bank login details, card details) via website chat. Use the contact form and secure channels when requested.

1. Data Controller

Controller
[Company Legal Name]
Address
[Street + No.], [ZIP City], [Country]
Email
info@creditaccounts.de
DPO (if applicable)
[Name/Email] (if you have a Data Protection Officer)

2. What Data We Collect

Depending on how you interact with us, we may collect:

  • Contact data (name, email, phone)
  • Company data (company name, registration/VAT number, country, business type)
  • Message content and attachments you submit via forms
  • Chat messages (via website chat/AI assistant)
  • Technical data (IP address, device/browser info, cookies where applicable)

3. Purposes & Legal Bases (GDPR Art. 6)

  • To respond to inquiries (Art. 6(1)(b) or 6(1)(f))
  • To provide services and perform agreements (Art. 6(1)(b))
  • Compliance, fraud prevention, security (Art. 6(1)(f))
  • Accounting and legal obligations (Art. 6(1)(c))
  • Marketing communications (Art. 6(1)(a) consent, where applicable)

4. Cookies & Tracking

We may use cookies necessary for website operation and, with consent where required, analytics/marketing cookies. You can manage cookie preferences via your cookie banner (e.g., Cookiebot/Complianz).

5. Chat / AI Assistant (Tidio)

We use Tidio to provide website chat and automated assistance. Chat messages may be stored to provide support, improve quality and for compliance/security purposes. Avoid sending sensitive personal data via chat.

Processor: Tidio (replace with your exact entity name and DPA reference if available).
Data: chat messages, time stamps, and technical identifiers (may include IP depending on configuration).
Legal basis: legitimate interests (Art. 6(1)(f)) and/or consent where required.

6. Contact Forms

When you submit a contact form, we process the data to respond and to assess service scope. Attachments should not contain unnecessary sensitive data.

7. Sharing & Transfers

We may share personal data with:

  • Service providers (hosting, email, chat, analytics) acting as processors
  • Professional advisors (legal/accounting) where necessary
  • Authorities where required by law

If data is transferred outside the EU/EEA, we use appropriate safeguards (e.g., Standard Contractual Clauses) where required.

8. Retention

We retain data only as long as necessary for the purposes described, including legal obligations. Typical retention periods:

  • Inquiry data: up to [X months/years] after last contact
  • Contract and invoicing data: as required by applicable accounting laws
  • Chat logs: up to [X days/months] depending on configuration

9. Your Rights (GDPR)

You have the right to:

  • Access (Art. 15), rectification (Art. 16), erasure (Art. 17)
  • Restriction (Art. 18), data portability (Art. 20)
  • Object to processing (Art. 21)
  • Withdraw consent at any time (Art. 7(3))
  • Lodge a complaint with a supervisory authority (Art. 77)

To exercise your rights, contact: info@creditaccounts.de

10. Security Measures

We implement technical and organizational measures to protect personal data, including access controls, secure hosting and restricted processing. However, no system is 100% secure.

11. Changes to This Policy

We may update this policy from time to time. The latest version will be published on this page.

Last updated: Replace this date with your publication date.

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