Privacy Policy

Last Update: July 13, 2018

General Information

The Website www.paul-international.net ("Website") is a service of Paul International Consultants, hereinafter also referred to as "Paul International" or "we"/"us".

In the following we inform you about the handling of your personal data. If you use our Website and the Paul International service, personal data will be processed. Because the protection of your privacy is important to us, we would like to inform you to what extend your personal data gets processed by us and in what way.

You can access this data protection declaration at any time under the section "Privacy Policy" at www.paul-international.net/en/privacy on our Website.

N.B.: Of course we observe the legal provisions of the data protection regulation ("GDPR"), the Federal Data Protection Act ("BDSG") as well as other data protection regulations.
Name and address of the controller
Paul International, as operator of the Website, is responsible regarding personal data that gets processed because you use our Website.

Paul International Consultants
Represented by Ms. Kirsten Paul
Würzburger Str. 152
D-63743 Aschaffenburg

Phone: +49 (0) 6021 – 4586050
Facsimile: +49 (0) 6021 - 4586059
E-Mail: info(at)paul-international.net
Contact details of the data protection officer
If you have any questions or if you wish to exercise your rights, please contact our data protection officer at:

WINHELLER Rechtsanwaltsgesellschaft mit beschränkter Haftung
Tower 185, Friedrich-Ebert-Anlage 35-37,
60327 Frankfurt am Main
E-Mail: datenschutzbeauftragter(at)paul-international.net
Processing personal data
1. Providing the Website and creation of log files
  1. Description and scope of data processing
    Every time you visit our Website, your browser transmits the following data which gets automatically saved for technical reasons:
    
    - Information about your browser type and version
    - Operating system you are using
    - Previous website, from where you accessed us (referrer URL)
    - Your IP address
    - Date and time when accessing our Website
    
    Our system stores your personal data in log files. This data is not stored with other personal data in relation to you.
  2. Legal basis for data processing
    We process your data temporarily pursuant to Art. 6 Sec. 1 phrase 1 lit. f GDPR.
  3. Data processing purpose
    It is necessary for us to process your IP address temporarily to make our Website available on your terminal device. Furthermore, we use your personal data to optimize our Website and to guarantee the security of our IT systems. Your data will not be processed for marketing purposes. These reasons also reflect our legitimate interest in processing your personal data.
  4. Storage period
    The aforementioned personal data will be deleted as soon as they are not necessary anymore to achieve the processing purpose. This is the case when you have ended the respective session.
    
    IP addresses that are processed in log files, will be deleted after thirty days. A longer storage period is only appropriate if your IP address is deleted or alienated, which would make it impossible for us to draw any conclusions from the IP address to your person.
  5. Possibility to object and removal according to Article 21 GDPR
    Since the mentioned personal data is necessary for the Website´s functioning, it is not possible to object its processing.
2. Cookies
  1. Description and scope of data processing
    We use so-called cookies on our Website, they serve us to recognize you as a user and to facilitate the usage of our Website. Cookies are small text files which are installed by your web browser on your terminal equipment. In general, so-called "session cookies" are used which get automatically deleted after your session has been completed.
    Other cookies, so-called "persistent cookies", remain installed on your terminal equipment until they get removed by you. These cookies allow us to identify your web browser when you visit our Website the next time.
    
    You can check in your web browser which cookies are installed on your terminal equipment. Within the predefined scope of your web browser settings you can choose whether cookies should be permitted in individual cases, should not be accepted in general or be deleted automatically after your web browser has been closed. Nevertheless, disabling cookies may limit the possibility to use our Website.
    
    We use cookies to make our Website more user-friendly for you. Therefore, some elements of our Website require the possibility to identify the calling browser after a page change has occurred.
  2. Legal basis for data processing
    We process your personal data according to Art. 6 Sec. 1 phrase 1 lit. f GDPR.
  3. Data processing purpose
    We use technical cookies that are necessary to optimize the usage of our Website. Otherwise we would not be able to offer certain functions on our Website. It is essential for these functions that your web browser gets recognized after a page change has occurred. These purposes also represent our legitimate interest in processing your personal data.
    We do not use personal data collected by technically necessary cookies to create user profiles.
  4. Storage period, possibility to object and removal according to Article 21 GDPR
    Cookies that are installed on your terminal equipment transfer the stored information to our Website. Thus, you have full control whether and for how long cookies are able to store informational data. You can deactivate or restrict the transmission of cookies by changing the settings in your web browser. Cookies that have already been stored can be deleted at any time. This can also be done automatically. Though, be aware when you deactivated the use of cookies regarding our Website, it may no longer be possible to use all functions our Website is offering.
3. Analysis tool Matomo (formerly Piwik)
  
  This website uses the open source web analytics service Matomo. Matomo uses technologies that enable cross-page recognition of the user to analyze user behavior (e.g. cookies or device fingerprinting). The information collected by Matomo about the use of this website is stored on our server. The IP address is anonymized before storage.
  With the help of Matomo, we are able to collect and analyze data about the use of our website by website visitors. This allows us to find out, among other things, when which page views were made and from which region they come. We also collect various log files (e.g. IP address, referrer, browsers and operating systems used) and can measure whether our website visitors perform certain actions (e.g. clicks, purchases and the like).
  The use of this analysis tool is based on Art. 6 para. 1 lit. f DSGVO. The website operator has a legitimate interest in the anonymized analysis of user behavior in order to optimize both its website and its advertising. Insofar as a corresponding consent has been requested (e.g. consent to store cookies), the processing is carried out exclusively on the basis of Art. 6 (1) lit. a DSGVO; the consent can be revoked at any time.
  
  IP anonymization
  
  When analyzing with Matomo, we use IP anonymization. In this case, your IP address is shortened before analysis so that it can no longer be clearly assigned to you.
  
  Hosting
  
  We host Matomo exclusively on our own servers, so that all analysis data remains with us and is not passed on.
  
  Deactivate Matomo
  
  If you do not agree with the storage and use of your data, you can deactivate the storage and use here. In this case, an opt-out cookie will be stored in your browser, which prevents Matomo from storing usage data. If you delete your cookies, this will have the effect that the Matomo opt-out cookie will also be deleted. The opt-out must then be reactivated when you visit our site again.
4. Use of meteoblue
  1. Description and scope of data processing
    We use on our Website the weather-widget meteoblue which is a service offered by the meteoblue AG, Clarastrasse 2, CH-4058 Basel, hereinafter “meteoblue”. We embedded the meteoblue weather widget on our Website. By embedding the weather widget on our Website, meteoblue receives your IP-address, the URL of our Website and time and date when you have accessed our Website.
    These data are transmitted to meteoblue and might be stored outside the EEA, in particular Switzerland. By its own statement meteoblue ensures an adequate level of data protection whenever it processes personal data. For more information to what extend and how your personal data gets processed by meteoblue, please visit www.content.meteoblue.com/de/rechtliches/datenschutz .
    
    The EU-Commission has recognized the data protection level in Switzerland in a adequacy decision as comparable to the European data protection level, therefore, additional guarantees are not necessary for transmitting personal data to Switzerland.
  2. Legal basis for data processing
    We process your personal data according to Art. 6 Sec. 1 phrase 1 lit. f GDPR.
  3. Data Processing purpose
    We use meteoblue´s weather-widget to inform you about the climate in areas that are from importance for our services regarding real estate market. This purpose represents also our legitimate interest in the processing your personal data.
  4. Storage period
    We are not aware for how long your data gets stored by meteoblue. According to its own statement, meteoblue stores personal data as long as it is necessary for achieving the processing purpose. For more information please visit www.content.meteoblue.com/de/rechtliches/datenschutz.
  5. Possibility to object and removal according to Article 21 GDPR
    You can prevent meteoblue from being used by applying add-ons to your web browser, e.g. with the script blocker "NoScript" (http://noscript.net/).
5. Use of Google Web Fonts
  1. Description and scope of data processing
    We use Google Web Fonts (hereinafter “Google Fonts”) on our Website, a service offered by Google Inc, 1600 Amphitheatre Parkway, Mountain View, CA 94043 USA. Google Fonts enables us to display you a suitable font after you have accessed our Website. For this service, Google collects your IP address when you access our Website and transmits it outside the EEA and stores your IP address on servers located in the USA.
    Google is listed as participant of the EU-US Privacy Shield and ensures an appropriate level of data protection, see www.privacyshield.gov/EU-US-Framework. For further information of how and to what extend your personal data gets processed by Google can be found in Google´s Privacy Policy under www.policies.google.com/privacy?hl=de.
  2. Legal basis for data processing
    We process your personal data according to Art. 6 Sec. 1 phrase 1 lit. f GDPR.
  3. Data Processing purpose
    We use Google Fonts to display you a suitable font and increase the attractiveness of our Website and with it, the service we are offering. These purposes represent also our legitimate interest in processing your personal data.
  4. Storage period
    We are not aware for how long your data gets stored by Google. Google does not disclose the storage period regarding personal data that got collected through Google Web Fonts.
  5. Possibility to object and removal according to Article 21 GDPR
    If you do not want Google to connect your personal data directly to your Google account, make sure you are logged out at the time you are visiting our Website. For more information, please visit www.privacy.google.com/take-control.html?categories_activeEl=sign-in.
6. Use of Google Maps
  1. Description and scope of data processing
    We use Google Maps on our Website, a service offered by Google Inc, 1600 Amphitheatre Parkway, Mountain View, CA 94043 USA. Google Maps enables us to show you on an interactive map the location of persons and institutions which have given testimonials regarding our service.
    
    Google processes especially the following data for this purpose:
    
    - Information about your browser type and version
    - Your IP address
    - The website from which the request is made to Google Maps (referrer URL)
    - The date and time when you visited our Website
    
    Google transmits this data outside the EEA and stores your IP address on servers located in the USA. Google is listed as participant of the EU-US Privacy Shield and ensures an appropriate level of data protection, see www.privacyshield.gov/EU-US-Framework . For further information of how and to what extend your personal data gets processed by Google can be found in Google´s Privacy Policy under www.policies.google.com/privacy?hl=de.
  2. Legal basis for data processing
    We process your personal data according to Art. 6 Sec. 1 phrase 1 lit. f GDPR.
  3. Data Processing purpose
    We use Google Maps to give you an insight into our international focus regarding the service we are offering and by this, to convince you to engage us as financial consultants.
  4. Storage period
    We are not aware for how long your data gets stored by Google. Google does not disclose the storage period regarding personal data that got collected through Google Maps. For more information please visit www.policies.google.com/privacy?hl=de and to: https://www.google.com/help/terms_maps.html.
  5. Possibility to object and removal according to Article 21 GDPR
    If you do not want Google to connect your personal data directly to your Google account, make sure you are logged out at the time you are visiting our Website. It is not possible to object to this data processing, as it is absolutely necessary for the presentation of the relevant locations.
7. Use of Google reCAPTCHA
  1. Description and scope of data processing
    We are using Google reCAPTCHA (hereinafter: “reCAPTCHA”) on our Website, a service offered by Google Inc, 1600 Amphitheatre Parkway, Mountain View, CA 94043 USA. We apply Google reCAPTCHA to ensure that certain actions on our Website are performed by you as a human and not by a bot.
    By applying reCAPTCHA on our Website we enable Google to processes the following data:
    - Information about your browser type, version and language settings of your browser
    - Your IP address
    - Screen and window resolution
    - Language settings of your browser
    - Website from which the request is made to Google Maps (referrer URL)
    - Date and time when you visited our Website
    
    Google transmits this data outside the EEA and stores your IP address on servers located in the USA. Google is listed as participant of the EU-US Privacy Shield and ensures an appropriate level of data protection, see www.privacyshield.gov/EU-US-Framework . For further information of how and to what extend your personal data gets processed by Google can be found in Google´s Privacy Policy under www.policies.google.com/privacy?hl=de.
  2. Legal basis for data processing
    We process your personal data according to Art. 6 Sec. 1 phrase 1 lit. f GDPR.
  3. Data Processing purpose
    We use reCAPTCHA to prevent our Website from being misused by automated bots that might cause an impairment of our IT systems.
  4. Storage period
    We are not aware for how long your data gets stored by Google. Google does not disclose the storage period regarding personal data that got collected through reCAPTCHA. For more information please visit www.policies.google.com/privacy?hl=de.
  5. Possibility to object and removal according to Article 21 GDPR
    It is not possible to object to this data processing, as the processing of the data is vital to prevent security risks and keep our Website available.
8. Possibility of contacting
  1. Description and scope of data processing
    We integrated on our Website a contact form to offer you the opportunity to get in touch with us. By contacting us through the contact form, all the information which is provided by you, will be transmitted to and stored by us for processing your request.
    The following data are mandatory to state in the contact form for transmitting a message and is collected at the time of your request:
    - Name
    - E-Mail address
    
    The following data are optional to state in the contact form and is processed at the time of your request:
    
    - Salutation
    - Phone
    - Address
    - Zip code and city
    - Country
    
    Furthermore, we collect automatically your IP address and date and time when the request has been sent. In case you are contacting us via the e-mail-address we made available on our Website, we will process your e-mail-address and all personal data that are connected to your e-mail-address.
  2. Legal basis of data processing
    We process your personal data pursuant to Art. 6 Sec. 1 phrase 1 lit. f GDPR.
  3. Data processing purpose
    We process your personal data only for the purpose of processing your request. Other personal data which got collected during the transmission process is carried out for our protection, in particular to prevent a misuse of our contact possibilities and an impairment of our IT systems. These purposes also constitute our legitimate interest in processing your personal data.
  4. Storage period
    Your personal data gets deleted when it is not necessary anymore to achieve the processing purpose.Therefore, we delete personal data you sent through the contact form, when the conversation has been ended. The conversation has been ended when the circumstances indicate the relevant matter has been resolved. Other personal data which are associated with the contact form and got transmitted will be deleted after a period of seven days.
  5. Possibility to object and removal according to Article 21 GDPR
    You have the possibility to object to the processing of your personal data in accordance to Article 21 GDPR at any time. In such a case, the conversation cannot be continued. Please address your objection to datenschutzbeauftragter(at)paul-international.net. In this case, the personal data processed during communication will be deleted.
9. Possibility of contacting via Live-Chat supported by Drift
  1. Description and scope of data processing
    We integrated on our Website a Live-Chat to offer you the opportunity to get in touch with us. For this we use the service of Drift.com, Inc., 222 Berkeley Street, Suite 600 Boston, MA 02116 (U.S.), hereinafter “Drift”.
    When starting a conversation through the Live-Chat on our Website, Drift installs a cookie on your terminal equipment so we can carry out a real time conversation through our Website with you. By contacting us through the Live-Chat, e.g. your IP address, the date and time of the request and all the information provided by you during the chat will be transmitted to and stored by Drift on our behalf for processing your inquiry.
    
    Drift is listed as participant of the EU-US Privacy Shield and ensures an appropriate level of data protection, see www.privacyshield.gov/EU-US-Framework.
  2. Legal basis of data processing
    We process your personal data pursuant to Art. 6 Sec. 1 phrase 1 lit. f GDPR.
  3. Data processing purpose
    The purpose for processing your personal is to deal with your inquiry which is also our legitimate interest in processing your personal data.
  4. Storage period
    Your personal data gets deleted when it is not necessary anymore to achieve the processing purpose.
    Thus, we delete personal data you sent through the Live-Chat when the conversation has been completed. We consider a conversation as completed when the circumstances indicate the relevant matter has been resolved.
    
    We are not aware for how long your personal data will be stored by Drift, neither can we influence it. For more information how and to what extend Drift processes your personal data, see https://www.drift.com/privacy-policy/.
  5. Possibility to object according to Article 21 GDPR
    You have the possibility to object to the processing of your personal data at any time, however, the conversation cannot be continued. In this case, personal data stored by us during the communication will be deleted. Please address your objection to datenschutzbeauftragter(at)paul-international.net . For the deletion of your personal data stored by Drift, please visit privacy(at)drift.com .
10. Inquiry Form
  1. Description and scope of data processing
    We integrated on our Website an inquiry form to offer you the opportunity to transmit a self-report so we can evaluate your financing options. By contacting us through the inquiry form, we collect and process your personal data you stated in the inquiry form.
    The following data are mandatory to state in the inquiry form:
    - Last name
    - First name
    - Citizenship
    - Holder of an US-Visa
    - E-Mail address
    - Contact number
    - Present address
    - In case a co-borrower exist, you must state all the above mentioned personal data of the co-borrower
    
    Furthermore, you can state additional data in the processing form. Stating additional data is not mandatory for your inquiry being processed, but optional and may include information about:
    
    - Payments for your primary residence
    - Your employer or company owned
    - Profits if self-employed or your gross annual income when employed
    - Total cash in personal and/or business accounts in your home country and US
    - Other sources of cash
    - Liabilities
    - Address and monthly mortgage in case you own real estate in the US
    - Regarding the persuade real estate, the type of usage, purchase price and down payment
    
    At the time of sending your request, the following data will automatically be processed:
    
    - IP address
    - Date and time when the request has been sent
    
    In case you are downloading the inquiry form in a PDF format and send the form via the e-mail address we made available on our Website, we also will process your e-mail-address and all personal data related to it.
  2. Legal basis of data processing
    We process your personal data pursuant to Art. 6 Sec. 1 phrase 1 lit. b GDPR.
  3. Data processing purpose
    We process your personal data on your request to evaluate your financing options and assess whether it is reasonable for both sites to enter into a consulting contract. Furthermore, we might need the data for executing or terminating the respective consulting contract.
    Other personal data which got collected during the transmission process is carried out for our protection, in particular to prevent a misuse of our contact possibilities and an impairment of our IT systems.
    
    These purposes also constitute our legitimate interest in processing your personal data.
  4. Storage period
    Your personal data gets deleted when it is not necessary anymore to achieve the processing purpose.
    Thus, we delete all personal data you sent through the inquiry form as intended in our deletion concept, in particular after our contractual relationship has been completed and all claims are time-barred. However, we are legally obliged to store your personal data e.g. for tax purposes. We block your data for all further processing’s that are not linked to legal retention period.
    
    Other personal data which is associated with the contact form and got transmitted through its usage will be deleted after a period of seven days.
11. Newsletter
  1. Description and scope of data processing
    We offer you on our Website the opportunity to subscribe to our complimentary newsletter. For dispatching the newsletter, we require your e-mail-address, optionally you can state your first and last name.
    Additionally, we process your IP address, date and time of your registration. Further data will not be processed. As part of the registration process, you need to consent that we are allowed to process your personal data. Before giving your consent, a reference will appear to this privacy policy.
    
    For dispatching our newsletter we use a service offered by the Newsletter2Go GmbH, Köpenicker Str. 126, 10179 Berlin, Germany (hereinafter “Newsletter2Go”) which acts as processor on our behalf. Thus, personal data you have provided during the Newsletter registration process will be transmitted to and stored on a server operated by Newsletter2Go.
    
    The data you have provided through the newsletter registration will exclusively be used for dispatching the newsletter you have subscribed to and will not be transferred to third parties. The collected data will not be synchronised with to other data we collected through other components of our Website.
  2. Legal basis for data processing
    We process your personal data after gaining your consent for the Newsletter according to Art. 6 Sec. 1 phrase 1 lit. a GDPR.
  3. Data processing purpose
    
    Your e-mail address is processed for sending you the newsletter.
    
    We check the e-mail address you have provided to ensure that you are in fact the actual owner or that the owner of the e-mail address has given his/her consent to receive the newsletter.
    
    We process your IP address, the date and time of your registration for our security in the event that a third party registers on our Website without your knowledge or misuses your personal data.
  4. Storage period
    
    Your personal data will be deleted when it will not be necessary anymore to achieve the purpose for which it has been collected. This will be the reason when you have cancelled your subscription, in that case your name and e-mail address will be deleted immediately. Other data collected during the registration process, such as your IP address and the date and time of your registration, will generally be deleted after seven days.
    
    We have no influence on the use and storage of your data by Newsletter2Go, for more information how and to what extend Newsletter2Go processes your personal data please visit www.newsletter2go.de/datenschutz/.
  5. Possibility to withdraw according to Article 7 GDPR
    You can withdraw your given consent for data processing regarding the newsletter as well as it’s the subscription in accordance with Art. 7 GDPR at any time. You can cancel your subscription by clicking on the "Unsubscribe" link integrated in each newsletter. This does not affect the legality of the processing carried out on the basis of the given consent until you have declared your withdrawal. In the event of withdrawal, your personal data will no longer be processed by us and deleted immediately.
    To object the processing of your collected personal data through Newsletter2Go, please visit datenschutz(at)newsletter2go.com .
Rights of the data subject
Regarding the processing of your personal data on our Website, you are a data subject within the meaning of the GDPR, therefore, you are entitled of the following rights towards us:
1. Right to be informed
  You have the right to request information about your personal data processed by us at any time. This includes information about the origin, recipients or categories of recipients to whom we transfer your data and the purposes for which we process your personal data.
2. The right to rectification
  You have the right to request the rectification of inaccurate personal data concerning you and to have incomplete personal data completed.
3. Right to erasure and right to restrict processing
  You can ask us to delete your personal data immediately. We are obliged to carry out the deletion immediately unless we are obliged to further process your personal data on the basis of contractual and/or legal regulations. This is the case, for example, if we are prohibited from deleting data under tax law. In such a case we restrict the processing and delete the personal data in question immediately after expiry of the retention period.
4. Right to data portability
  You have the right to receive your personal data you have provided in a structured, current and machine-readable format, if this is technically possible. Furthermore, you have the right to transfer this data to another controller without any hindrance.
5. Rights in relation to automated decision making and profiling
  You have the right not to be subject of a completely automated decision making process - including profiling - that has a legal effect against you or significantly impairs you in a similar manner.
6. Right to appeal to a supervisory authority
  You have the right to lodge a complaint with a supervisory authority if you believe that the processing of your personal data are contrary to the GDPR.
  
  Our competent supervisory authority is:
  
  Bayerisches Landesamt für Datenschutzaufsicht
  Promenade 27 (Schloss), 91522 Ansbach
  Postfach 606, 91511 Ansbach
  Phone: +49 (0) 981 53 1300
  Facsimile: +49 (0) 981 53 98 1300
  E-Mail: poststelle(at)lda.bayern.de

Information on data protection according to Art. 13 GDPR

Privacy Policy

General Information

Name and address of the controller

Contact details of the data protection officer

Processing personal data

Rights of the data subject

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