Privacy Policy

1. Who is responsible for your data

The controller responsible for the processing of personal data described in this policy is:

activ factoring AG
Brienner Straße 23
80333 München, Deutschland
Phone: +49 89 54848 0
Email: support@af-ag.llc

2. Scope of this policy

This policy applies to the website af-ag.llc, including its homepage and all pages under the /en/ directory. It does not apply to any third-party websites that this site may link to, nor to any offline interactions you may have with activ factoring AG.

This website is purely informational. It does not offer paid services, and no contracts are concluded or payments processed through af-ag.llc.

3. Information we collect

We collect personal data in the following situations:

• Contact form submissions: name, email address, optional phone number, the subject you select, and the content of your message.
• Cookie preference: a small, locally stored value recording whether you accepted or declined our use of cookies.
• Technical and log data: standard information that web servers and content delivery networks typically receive, such as IP address, browser type, device type, referring page, and timestamps.

We do not knowingly collect financial account information, payment details, or sensitive personal data through this website.

4. How we use your information

We use the personal data described above to:

• respond to enquiries submitted through our contact form;
• operate, secure, and maintain the website;
• remember your cookie preference between visits;
• understand, in aggregate and non-identifying terms, how the website is used so we can improve its content.

We do not use your data for automated decision-making, profiling with legal effect, or for sending unsolicited marketing communications.

5. Legal basis for processing

Where the General Data Protection Regulation (GDPR) applies, we rely on the following legal bases:

• Consent (Art. 6(1)(a) GDPR) for non-essential cookies or similar technologies, where used.
• Legitimate interest (Art. 6(1)(f) GDPR) for responding to enquiries you initiate and for keeping the website secure and functional.
• Legal obligation (Art. 6(1)(c) GDPR) where applicable German or EU law requires us to retain certain records.

6. Cookies and similar technologies

We use a minimal set of cookies and browser storage, limited to what is needed to operate the site and remember your preferences. We do not use cookies for third-party advertising. Full details, including categories and retention periods, are set out in our separate Cookie Policy.

7. Third-party services and external content

To build and present this website, we load a small number of resources from external providers. These providers may process technical data, such as your IP address, when your browser requests their resources:

• Google Fonts — used to display the typefaces on this website.
• Phosphor Icons (unpkg CDN) — used to display icons throughout the site.
• OpenStreetMap — used to embed the location map on our Contact page.
• Image hosting (Unsplash) — used to deliver photographic imagery shown on this site.

Each of these providers operates under its own privacy policy, which we encourage you to review if you have concerns about how they process technical data.

8. Data retention

We retain contact form submissions for as long as reasonably necessary to address your enquiry and for a limited period afterward in case of follow-up, after which they are deleted or anonymised. Cookie preference values are stored locally in your browser until you clear your browser storage or withdraw your preference.

9. Data security

We apply appropriate technical and organisational measures to protect personal data against unauthorised access, alteration, or loss. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

10. Your rights

If the GDPR applies to you, you have the right to:

• request access to the personal data we hold about you;
• request correction of inaccurate or incomplete data;
• request erasure of your data, subject to legal exceptions;
• request restriction of processing in certain circumstances;
• object to processing based on legitimate interest;
• request portability of data you provided to us;
• withdraw consent at any time, where processing is based on consent;
• lodge a complaint with a data protection supervisory authority, such as the Bavarian State Office for Data Protection Supervision.

To exercise any of these rights, please contact us using the details in section 14.

11. International transfers

Some of the third-party providers referenced in section 7 may process data outside the European Economic Area. Where this occurs, we expect those providers to rely on appropriate safeguards, such as standard contractual clauses, as required under applicable law.

12. Children's privacy

This website is intended for business audiences and is not directed at children. We do not knowingly collect personal data from individuals under the age of 16.

13. Changes to this policy

We may update this policy from time to time to reflect changes in our practices or for legal reasons. The "last updated" date at the top of this page indicates when the policy was last revised.

14. Contact us

For questions about this policy or to exercise your rights, contact us at support@af-ag.llc, by phone at +49 89 54848 0, or by post at Brienner Straße 23, 80333 München, Deutschland.