Protecting your data

Our Principles

  • The protection of your privacy is very important to us
  • We treat your data responsibly and only for specified purposes
  • We are aware of the sensitivity of the data you have entrusted to us
  • We will never pass on your data to third parties without your explicit consent
  • We use a number of well-established measures to prevent any misuse of your data

Protecting your privacy is very important to us. Please therefore note the following information:

General

Raisin GmbH (hereinafter: ’Raisin’) provides information on deposits products of selected banks via our website. In addition, our customers can access the Online Banking System of Keytrade Bank, Belgian branch of Arkéa Direct Bank SA (France) (hereinafter: ‘Keytrade Bank’).

Raisin is aware that the personal data you have entrusted to us is sensitive. We ensure that the personal data that customers and prospective customers provide when using our services is always treated confidentially.

Personal data is any information that personally identifies you (or can be directly linked to you) such as your name, telephone number, address, and other information required for the provision of our services. This does not include information which cannot be directly linked to your person.

We protect the personal data of customers and prospective customers through the use of high security standards as well as standard operating procedures, which have been created specifically to prevent any misuse of this information.

External Links

Links to external webpages are provided on our website for informational purposes only. If it is not obviously recognizable, we will explicitly point out when such links are to external websites. Raisin is not responsible for the contents and the design of third-party websites and cannot attest to their correctness, factuality or legality. Our privacy policy does not apply for those websites

Collecting and Processing of Personal Data

We will collect personal data only where you voluntarily provide it to us e.g., during registration, and when you give us explicit consent to collect it.

We use your personal data to provide our services. In addition, you will receive product and service information from Raisin if you have explicitly agreed to this.

All personal data is transferred in an encrypted form to prevent misuse by unauthorized parties.

Use and Disclosure of Personal Data

Raisin processes and uses the collected personal data for verification and execution of the contract as well as for the information purposes about products and services. You can object to the use and processing of your personal data at any time. We will not disclose personal data with third parties unless we have your explicit consent or are legally obliged to do so.

Information Regarding Money Transfers

For international bank transfers, Keytrade Bank uses the Belgian-based ‘Society for Worldwide Interbank Financial Telecommunication’ (SWIFT), the only globally-active payment information service, to transfer the data included in the transaction to the partner banks. For reasons of system security, SWIFT temporarily stores the transaction data in its data centers in the Netherlands and in the USA.

Google Analytics: Disclaimer

This website uses Google Analytics. This is a web analytics service which is provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, text files placed on your computer, to help analyze how customers use this site. Information generated by the cookie about your use of the website (including IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information to evaluate your use of the website, compiling reports on website activity for website operators, and providing other services relating to website activity and internet usage. Google may transfer this information to third parties where required to do so by law, or where third parties process the information on Google’s behalf. Google will not associate your IP address with any other data that is held by Google. You may at any time refuse the use of cookies by selecting the appropriate settings in your browser. Please note that if you do this you may not be able to use the full functionality of the website. By using this website, you consent to the processing of your personal data by Google in the manner and for the purposes set out above.
You can prevent Google’s collection and use of data (cookies and IP address) by downloading and installing the browser plug-in available under https://tools.google.com/dlpage/gaoptout. You can also opt out from Google Analytics tracking on this website by clicking on the following link: Google Analytics opt-out

Google Adsense: Disclaimer

This website uses Google AdSense. This is a service for including advertisements from Google Inc. (“Google”). Google AdSense uses “cookies”, text files placed on your computer, to help analyze how customers use this site. Additionally, Google AdSense uses so called “Web Beacons” (invisible images). Through these Web Beacons information such as visitor traffic can be evaluated. Information generated by cookies and Web Beacons on the website (including your IP address) and delivery of advertising formats will be submitted to a Google server in the U.S. and will be stored there. This information can be passed from Google to contractors by Google. Google will not combine your IP address with other data stored about you. You may at any time refuse the use of cookies by selecting the appropriate settings in your web browser. Please note that if you do this you may not be able to use the full functionality of the website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

DoubleClick

This website uses pixels or clear GIF files to help manage our online advertising. These GIF files are provided by our advertising management partner DoubleClick, a subsidiary of Google. By using these files, DoubleClick can recognize each web browser by the unique cookie ID of each browser. In turn, we can find out which advertisements bring users to our website. The cookie is stored by us or by another advertiser working together with DoubleClick. Information gathered and shared through cookies or Spotlight technology, which uses so-called Image Tags for tracking purposes, is anonymous and not personally identifiable. It does not contain your name, address, telephone number or email address. More details about DoubleClick and how to deactivate it can be found at the following link: https://www.google.com/doubleclick/

Crazy Egg

This website uses the web analytics service Crazy Egg of Crazy Egg Inc. (‘Crazy Egg’) to collect statistical data about the usage of our website. With the help of Crazy Egg’s technology, visitor information is collected and sent to Crazy Egg’s server. With the help of cookies, the technology enables us to determine, analyse and visualize the activities of users when visiting our website. However, in this process, no personal data, such as names, addresses or telephone numbers, is saved by Crazy Egg, and the information collected is not forwarded to third parties. By using this website you agree to the processing of data about you by Crazy Egg in the manner described above and for the above-stated purposes. You can opt out of the collection and storage of data by Crazy Egg at any time by adjusting your browser settings. For guidance on how to do this, click on the following link: https://www.crazyegg.com/opt-out/

Adform

Adform is a provider of a technology platform for digital Adserving and Mediabuying.

Conversion Tracking

This website uses Adform’s conversion tracking to measure the performance of our online advertising. The browser cookie for conversion tracking is set when an internet user has contact with an advertisement operated by Adform. The browser cookies do not contain information which can personally identify you. If you do not wish to participate in the tracking, you can deactivate Adform’s cookie by changing the settings in your internet browser. Further information regarding Adform’s privacy policy and the opt-out function can be found by clicking on the following link: http://site.adform.com/privacy-policy/en/

Retargeting

This website uses Adform’s Retargeting technology. This enables us to target internet users who have already shown an interest in our product with advertisements on the websites of our partners. The displaying of advertising by Retargeting is made on the basis of a cookie-based analysis of previous user behaviour.  No personal data is saved and the use of Retargeting technology is made in compliance with the applicable legal data protection regulations. If you do not wish to be shown adverts which may be of interest to you, you can deactivate this by selecting the opt-out function of Adform in the following link: http://site.adform.com/privacy-policy/en/

Your Rights

You can expressly request information about the personal data we have stored about you at any time. We do not collect, use or process personal data without your explicit consent.

If you do not agree with the storage of your personal data or if the data is outdated, we will initiate the blocking or deletion of your data or make the necessary corrections - to the extent permissible by the relevant laws.

If you are already a customer of Raisin, the collection, use and storage of data is regulated by the contractual agreements entered into by both parties.

Our Security Technology

The pages on which we collect personal data are encrypted with 128 bit and are certified by institutions that are approved for international accredited encryption certification.

For the Online Banking System of Keytrade Bank, further security measures have been put in place (e.g., use of PIN/transaction password). Unauthorized access is prevented by a firewall system.

For more information, please refer to “Security”.

If you have any questions or comments regarding data protection please contact us at service@raisin.com.