LBBW

Legal Information

Please note the Privacy Policy of Landesbank Baden-Württemberg. In addition, you find information on visiting and using our web pages, and our current data protection information for individual business segments. We have put together this information below.

The lbbw.de platform is operated by, and responsibility for all content lies with:

Landesbank Baden-Württemberg
Am Hauptbahnhof 2
70173 Stuttgart, Germany

P.O. Box 10 60 49
70049 Stuttgart, Germany

Phone: +49 711 127-0
Fax: +49 711 127-43544
E-Mail: kontakt@LBBW.de

For further details about us please refer to Legal Notice »

Data Protection Information

Being responsible for processing your personal data, for LBBW data protection of your personal data and the protection of your private sphere when processing your data is a very important matter. For this reason, we take the protection of your personal data very seriously.

Personal data are all (personal and objective) information that relate to a known or identifiable natural person (data subject). They include, for example, you name, your address, your e-mail address and your telephone number.

Personal data - and also your data - can be anonymized. Your data are anonymized if personal identity can no longer be recovered by anyone on a permanent basis or if the personal identity can be recovered only by a considerable investment of time, cost and labor.

In the pseudonymization process your personal data are changed in a way that without adding additional information your data can no longer be attributed to you. The additional information is stored separately and technical and organizational measures are taken to prevent the identity of a natural person from being identified.

Within our business relationship to you, we process all relevant personal data. These are personal details (name, address and other contact details, date and place of birth and nationality), legitimization data (e.g. identification data) and authentication data (e.g. sample signature). This can also be order data (e.g. a payment order or securities order), data from the fulfillment of our contractual obligations (e.g. sales data in payments), credit lines, product data (e.g. deposits, credit and custody business), information about your financial situation (creditworthiness/scoring/rating data, origin of assets), advertising and marketing data (including advertising scores), documentation data (e.g. minutes of consultations), registration data, data on your use of our telemedia (e.g. time you uploaded our websites, apps, or newsletter, clicked pages of ours or entries) as well as data comparable with the named categories.

We process your personal data for the purposes stated below:

  • to provide and mediate banking, financial, insurance and real estate services, in particular for the purpose of carrying out our contracts or pre-contractual measures with you and to execute our orders, as well as all activities required to operate and manage a credit and financial services institution.
  • to safeguard our or a third party's legitimate interests, in particular consultation and data exchange with credit agencies (e.g. SCHUFA), testing and optimizing methods for needs analyses and directly addressing customers, advertising or market and opinion research, asserting legal claims and defenses in legal disputes, safeguarding IT security and IT operations, preventing and investigating criminal offenses, video surveillance, measures for building and equipment security, measures to safeguard domiciliary rights, measures to manage business and refine services and products,
  • to the extent you have provided us consent for specific purposes.

We use your personal data only for internal purposes and for our business relationships with you. In addition, processors LBBW uses for orders (Article 28 GDPR) can also receive data for the above purposes.

Under the general terms and conditions agreed between you and us, we are required to maintain secrecy about any customer-related facts and evaluations we become aware of (banking secrecy). We may only forward data if

  • legal regulations require this,
  • you have consented or
  • we are authorized to disclose banking data.

All our employees and service providers are obliged to maintain confidentiality as well as banking and data secrecy. Moreover, all employees and our service providers must adhere to the data protection provisions and to our guidelines.

You have the right to receive information under Article 15 GDPR, the right to rectification under Article 16 GDPR, the right to erasure under Article 17 GDPR, the right to restriction of processing under Article 18 GDPR and the right to data portability under Article 20 GDPR. In the case of the right to access of data and the request for deletion, the limitations set out in Sections 34 and 35 of GDPR apply. In addition, you have the right to lodge a complaint with a data protection supervisory authority in line with Article 77 GDPR in conjunction with Section 19 FDPA.

To the extent you have granted consent, we use your personal data e.g. for purposes of advertising, market research and financial analysis. We also use your data to ask you questions about our products and services so that we can improve our products on an ongoing basis.

At any time, you have the right to revoke consent granted with effect for the future. This means that your personal data will no longer be processed for this purpose and will also be deleted. For example, you will then no longer receive our newsletters. Please note that that the revocation does not impact the legality of processing for which consent has been granted up to the revocation.

Please note that data you need for your business with us (e.g. account management) will still be processed.

Do you have any questions with regard to the handling of your personal data or data protection? Do you have any suggestions or a matter you want to discuss? Please speak to our Data Protection Officer about this. He is also your contact if you want to assert your rights about information, deletion and data portability.

Contact:

Landesbank-Baden-Württemberg
Am Hauptbahnhof 2
70173 Stuttgart

Ludger Viktora
Data Protection Officer

Tel. +49 711 127 – 73495
Fax: +49 711 127 – 76752
datenschutz@lbbw.de

Notes on visiting and using our web pages

Please note our general notes on data protection which we have compiled for you below. These notes apply whenever you visit the web pages of Landesbank Baden-Württemberg (LBBW).

It is important to us to know that you feel safe when visiting and using our website. For this reason, we take the protection of your personal data very seriously. The protection of your privacy during the processing of personal data is one of our key concerns.

Please note that LBBW's web pages contain links to other websites of interest. Our Privacy Policy does not cover these sites. We have no influence on the content and adherence to data protection provisions by the providers of such sites. If you visit another website, please look at the privacy statement applicable to that website.

Protocol data:

When you visit our website our web servers store various data, for example:

  • the IP address of your PC (individual "address" of a PC in a computer network)
  • the pages you visit on our website
  • the browser (for example, Internet Explorer) and operating system you use and
  • the date and time of your visit.

We use the data on an anonymized basis for statistical purposes and in order to improve our website. This data cannot be traced back to you. We store the evaluated data on secure systems, This ensures that your privacy is protected at all times.

Cookies:

Cookies are small text files that the web server sends to your PC and are usually stored on your hard disk. They are not programs that can enter your system and cause damage. Although cookies are able to identify your PC, cookies themselves do not store personal data.

We use cookies in interaction with your Internet browser in order to improve all our web pages at http://www.lbbw.de. We use cookies particularly in the real estate and BW online banking businesses (at https://www.bw-bank.de/ ). Their use results in a range of benefits for you:

The cookies used in our real estate offering make it easier for you to select a property. This is because the favorites function allows you to select several properties at a time. Consequently, you need to fill out the form only once in order to receive detailed information on all selected properties.

BW online banking uses cookies which are valid only for as long as you are actually using BW online banking. The cookies do not contain information on your person or your account. They only support browser navigation. If you logout from BW online banking by pressing the Logout button, the cookie is automatically removed from your PC. These cookies, which are only valid for the duration of a session, are called session cookies.

In the business portal these session cookies are necessary for transactions as certain functions would not be technically possible without them.

Most browsers are set to accept cookies automatically. You can set your browser to disable cookies. Or you can set it to notify you when you receive a cookie. Please note, however, that many functions in the Business Portal require cookies. If you disable cookies, some applications may cease to function properly.

We do not use any technology that links up information in the cookies with your personal data. This means that we are not able to establish your identity or e-mail address. Of course, you can block our cookies. You can configure your browser this way (disable cookies). Please note, however, that if you have disabled the "cookies" function in your browser, you will not be able to use the favorites function in the real estate area. Moreover, the Back button in BW online banking does not work without cookies. Of course, you will be able to use our other information offerings in full without cookies.

IP addresses:

If you visit our website we will store the so-called IP address of your computer for a short period; this is what allows the computer to be clearly identified and accessible. The IP address is a PC's individual "address" in a computer network. It allows you to use our website at any time without having to disclose your data.

In the process of registration on our platform we also ask you for your e-mail address, your first name and surname.

We use your e-mail address to complete the registration process in accordance with the conditions of use and to contact you where this is necessary to provide our services in the context of our platform. We will also use your e-mail address to send you information on products and services and to ask you questions using our platform. This is to help us make our services even better.

We will use your first name and surname to address you correctly when communicating with you and, if necessary, to be able to identify you clearly (e.g. in the event of a breach of the conditions of use). The use of any pseudonyms in addition is permitted.

Moreover, log files are created each time you log on as a member on our platform.

We offer you various transaction services for your banking operations, for example BW online banking, HBCIbanking and the Business Portal. To use these services, for your own safety you will be requested to enter your personal access data (user name and password) when you log on. This protected login allows us to identify you and so prevent unauthorized use of your accounts.

During transactions (for example, transfers) we store and archive all transaction data so that the transaction can be reconstructed if necessary. In addition to the access data, this includes for instance the amount transferred and data on how you have used the service (for example, with regard to BW online banking).

In the course of the provision of BW Finanzmanager services user data and other customer parameters are stored and evaluated by BW-Bank in accordance with various criteria. By activating the BW Finanzmanager the customer grants BW-Bank the option to analyze and use their account turnover data in order to provide them with suitable offers and product information.

We will store your personal data only if you provide the information yourself. This is the case, for example, if

  • you register (for example, for a newsletter)
  • you participate in a survey or a competition
  • you send a query or suggestions using a contact form or via e-mail or
  • you send us an order.

In these cases you communicate your data to us voluntarily. In so doing, you yourself make the decision to give us your name and other personal information (such as date of birth, address, e-mail address or telephone number). You are not obliged to communicate this information to us. But please be aware that we can supply the requested products, services and information only if we know your details.

We will only send you a copy of our newsletter if you have granted us permission to do so. To verify your acceptance, we will send you a link to confirm that you wish to receive the newsletter. Once you have done so, you can unsubscribe from the newsletter at any time. Information on how to unsubscribe from the newsletter can be found at the end of the newsletter.

We will store and use your data if you send us an e-mail or a message via a contact form. This data includes, for example, your name, date of birth, address, e-mail address and telephone number. But we will use your data only for our services and for communicating with you.

Your personal data are protected when you use our transaction services (for example, BW online banking or HBCIbanking). Data transmitted via the Internet is encrypted. Encryption prevents unauthorized persons from viewing your data.

Please note that if you send us personal data in an e-mail, data transmitted in this way via the Internet is not secure. In theory, it is possible for unauthorized persons to read or falsify this information.

We will only send you a copy of our newsletter if you have granted us permission to do so. To verify your acceptance, we will send you a link to confirm that you wish to receive the newsletter. Once you have done so, you can unsubscribe from the newsletter at any time. Information on how to unsubscribe from the newsletter can be found at the end of the newsletter.

The BW-Bank branch finder

The BW-Bank branch finder uses the "Google Maps API" map service provided by Google Inc. to locate BW-Bank branches and Sparkassen ATMs and to display them on an interactive map. By using Google Maps, information on the use of our website, including your IP address, is transferred to Google servers in the United States and stored there. Although Google in its own Privacy Policy has made a commitment not to pass on information to third parties it does allow some exceptions. The data collected may be passed on to third parties if there is a legal requirement to do so in the United States or if third parties process the data on behalf of Google. A link to the Privacy Policy of Google Inc. can be found here:

http://www.google.com/policies/privacy/

The fact that we have no control over the destination of your data and that the data is sent to the United States is not unproblematic from a data protection law point of view. Because of the associated risks for your data you have the option to disable the map service and to prevent your data from being transmitted to Google. To do so, please disable Java Script in your browser. In this case you will not be able to use the branch finder.

We always ensure a high degree of security in the collection or processing of your data. LBBW uses effective technical and organizational measures to ensure the security of its data. These measures protect your data against manipulation, loss, destruction and access by unauthorized persons. We are constantly seeking to improve our measures for your security and always adapt them to new technological trends.

Please also take note of our security information

We store and analyze general data in connection with the use of our website. This data is called statistical data. It includes, for example, the number of visits to our website, information on which pages were visited and on session length. This allows us to find out how our offerings are used and how we can improve individual pages. We evaluate the data on an anonymized basis and use it for statistical purposes and for our market research.

We use Piwik, an Open Source software, for the statistical evaluation of visitor accesses, to collect the data. Piwik uses so-called cookies, text files stored on your computer, which allow an analysis of the way in which you use the website. The information generated by the cookie about your use of the web offerings is stored on our web servers in Germany. The IP address is anonymized immediately after processing, before it is stored. You can prevent the installation of cookies by setting your browser software to block cookies or you can disable the collection of data by Piwik here:

LBBW is collaborating with a number of promotional partners in the use of so-called re-targeting technology. This technology means that when you visit our website, cookies of these partner companies (so-called third party cookies) are also stored on your hard drive. These cookies are either permanent or temporary cookies that automatically delete themselves after a predefined period. Like our own cookies, the cookies of our partners do not store any personal data and are not used to identify individual visitors. As part of the delivery of advertising content, an anonymous ID is used to store the following technical measurement criteria:

  • advertising contacts
  • frequency cap (number of advertising contacts)
  • browser (e.g. Firefox, Safari, Internet Explorer)
  • operating system (e.g. Windows, Macintosh etc.)
  • date and time of advertising delivery
  • number of ad impressions
  • number of clicks
  • post-tracking data

Facebook users should note that this website uses the Facebook communication tool Website Custom Audiences. To do so, so-called Facebook pixels have been integrated on our websites, which mark you as a visitor to our website in an anonymized form, i.e. without identifying you personally. If you subsequently log onto Facebook, an irreversible and thus non-personal checksum (profile) from your user data will be transmitted to Facebook for analysis and marketing purposes. Further information on the purpose and scope of data collection and further processing and use of the data by Facebook and your setting options to protect your privacy can be found in Facebook's Privacy Policy, which is set out at https://www.facebook.com/privacy/explanation. If you wish to object to the use of Facebook Website Custom Audiences you can do so here https://www.facebook.com/ads/website_custom_audiences/ .

You can object to the storage of cookies at any time by refusing to accept cookies in your browser settings. To do this, you normally select "Block cookies" in your browser settings. For further details please use the Help function of your browser. You can delete cookies stored on your computer at any time without this having any negative impact on the use or functions of our website.

According to Section 15 of the German Telemedia Act as amended, you as website visitor have the right to object to the storage of your visitor data (which has been collected in anonymized form) with future effect. To do so please click on the following link:

Opt Out bei Adition

Some of our web pages have embedded videos uploaded to YouTube. YouTube is a service of US company Google Inc. For this reason, the so-called "enhanced data protection mode" has been activated for all YouTube videos on our web pages. This enhanced data protection mode makes YouTube available and thus guarantees that YouTube does not store cookies with personal data on your computer so long as no video has been clicked and played using the YouTube video player. The IP address is transferred when the web pages are called up and to embed the videos. The IP address cannot be allocated unless you have logged onto YouTube or another Google service before calling up the web page or unless you are logged on permanently.

As soon as you start replaying an embedded YouTube video by clicking on it, YouTube via the enhanced data protection mode will store on your computer only cookies that include no personally identifiable data. These cookies can be blocked by use of the corresponding browser settings and extensions.

Further information on the embedding of YouTube videos can be found in the privacy notices of YouTube.

Our links to social networks (Facebook, Twitter, Google Plus) use Social Plugins, which make it easier to share or call up content on social networks. We use technical solutions designed to ensure that no contact with the servers of social network operators is established unless the Social Plugin is activated. By activating the deactivated Social Plugin you grant your consent to the transmission of data to the social network. On activation, data are transmitted to third parties.

Without activation no data transfer takes place to the operators of the social networks.

You can find information on the data privacy provisions of the social networks here:

The rapid development of the Internet makes it necessary for us to amend our Privacy Policy from time to time. We will inform you of any amendments on this page.

We recommend that you check our pages regularly for amendments. You can be certain of being always correctly informed. All amendments to the Privacy Policy apply only to future applications. We will not change the guidelines retroactively, unless the legislator demands it.

Privacy Policy

Here we would like to provide you with the opportunity to view our current data protection information at any time. If our data protection information changes, we will inform you about this separately.

In our general data protection information, we provide information on which personal data we process in the context of our business relationship with you.

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Data protection information

Many savings banks and banks process payment orders in Germany and abroad with our access to settlement systems and our correspondent banking network. To do this we receive personal data from the savings banks and banks which we need for processing and the resulting legal requirements for implementation.

Receivables are sold or assigned as security to LBBW. To do this LBBW processes personal data for administration.

To send newsletters, we process personal data.

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Pivacy Policy Newsletter

LBBW processes your personal data for processing, maintaining or establishing a customer, business or association relationship and for maintaining (other) business contacts.

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Privacy Policy Contacs

To protect our domiciliary rights, to prevent and investigate damage from vandalism and to detect and provide evidence of crime, we save your personal data by implementing video surveillance of relevant sites.