Privacy Policy

Introduction

Zyqentra AG ("we", "our", or "us") is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or use our services. We are the data controller for the personal information we process about you.

Data We Collect

We collect various types of personal data to provide and improve our services. The data collection includes information you provide directly to us and information we collect automatically when you use our website.

Personal information we collect may include:

• Contact information (name, email address, phone number, postal address)
• Financial information relevant to our consultation services
• Communication preferences and marketing consent
• Technical information (IP address, browser type, device information)
• Usage data (pages visited, time spent on site, click patterns)
• Information provided in forms, surveys, or correspondence

How We Use Your Information

We use of your data is based on legitimate business interests, contractual necessity, legal obligations, or your explicit consent. Specifically, we use your information to:

• Provide personal finance consultation and educational services
• Respond to your enquiries and provide customer support
• Process and fulfil service requests
• Send service-related communications and updates
• Improve our website functionality and user experience
• Conduct analytics to understand how our services are used
• Send marketing communications (with your consent)
• Comply with legal and regulatory requirements

Cookies and Tracking Technologies

We may use cookies and tracking technologies for analytics, advertising, and remarketing purposes, including Google Ads. These technologies help us measure campaign effectiveness, deliver relevant advertisements, and improve our services. You can manage your cookie preferences at any time through our cookie consent banner.

For detailed information about the cookies we use, please refer to our Cookie Policy.

Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

• With service providers who assist us in operating our business (under strict confidentiality agreements)
• When required by law or to respond to legal process
• To protect our rights, property, or safety, or that of others
• In connection with a business transfer or merger (with appropriate safeguards)
• With your explicit consent for specific purposes

Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include encryption, secure servers, access controls, and regular security assessments. However, no method of transmission over the internet or electronic storage is completely secure.

Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. Consultation records are typically retained for seven years after the end of our service relationship, whilst marketing communications data is retained until you withdraw consent or for a maximum of three years.

Your Rights

Under the General Data Protection Regulation (GDPR) and applicable data protection laws, you have several rights regarding your personal information:

• Right of access: Request copies of your personal information
• Right to rectification: Request correction of inaccurate or incomplete data
• Right to erasure: Request deletion of your personal information
• Right to restrict processing: Request limitation on how we use your data
• Right to data portability: Request transfer of your data to another organisation
• Right to object: Object to processing based on legitimate interests or for marketing purposes
• Right to withdraw consent: Withdraw consent for processing where applicable

To exercise any of these rights, please contact us using the information provided below. We will respond to your request within one month.

International Data Transfers

Your personal information may be transferred to and processed in countries outside the European Economic Area (EEA). When we do so, we ensure appropriate safeguards are in place, such as standard contractual clauses approved by the European Commission, to protect your information in accordance with GDPR requirements.

Children's Privacy

Our services are not directed to children under the age of 16, and we do not knowingly collect personal information from children under 16. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on our website and updating the "last updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

Contact Information

If you have any questions about this Privacy Policy, wish to exercise your rights, or need to contact us regarding data protection matters, please contact us at:

Supervisory Authority

You have the right to lodge a complaint with a supervisory authority if you believe we have not complied with applicable data protection laws. In Germany, you can contact your local data protection authority or the Federal Commissioner for Data Protection and Freedom of Information (BfDI).