Privacy Policy

1. Introduction

Mieter- und Bauverein Karlsruhe ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website mfl.it.com, use our Easyweb login system, or engage with our financial services.

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you provide directly to us, including:

• Name, address, phone number, and email address
• Financial information (income, employment details, credit history)
• Identity verification documents
• Easyweb login credentials and account information
• Communication preferences
• Payment and transaction information

2.2 Automatically Collected Information

We automatically collect certain information when you visit our website:

• IP address and device information
• Browser type and version
• Pages visited and time spent on our website
• Referring websites and search terms
• Location data (if enabled)
• Easyweb login session data

2.3 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience. For detailed information about our cookie usage, please visit our Cookie Policy.

3. How We Use Your Information

We use the collected information for the following purposes:

• Providing and maintaining our financial services
• Processing loan applications and transactions
• Managing your Easyweb login account and authentication
• Communicating with you about our services
• Complying with legal and regulatory requirements
• Preventing fraud and ensuring security
• Improving our website and services
• Marketing and promotional activities (with your consent)
• Customer support and service inquiries

4. Information Sharing and Disclosure

4.1 Third-Party Service Providers

We may share your information with trusted third-party service providers who assist us in:

• Payment processing and financial transactions
• Credit reporting and verification services
• IT services and website hosting
• Customer support and communication tools
• Marketing and analytics platforms
• Easyweb login system maintenance and security

4.2 Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal obligations and court orders
• Protect our rights and property
• Prevent fraud and illegal activities
• Respond to government requests
• Enforce our terms and conditions

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections.

5. Cookies and Tracking

Our website uses various types of cookies:

5.1 Essential Cookies

Necessary for website functionality and Easyweb login authentication. These cannot be disabled.

5.2 Analytics Cookies

Help us understand how visitors interact with our website to improve user experience.

5.3 Marketing Cookies

Used to deliver relevant advertisements and track marketing campaign effectiveness.

You can manage your cookie preferences through your browser settings or our cookie consent banner. For more information, see our Cookie Policy.

6. Your Privacy Rights

Depending on your location, you may have the following rights:

6.1 Access and Portability

• Request access to your personal information
• Receive a copy of your data in a portable format
• View your Easyweb login account information

6.2 Correction and Updates

• Update or correct inaccurate information
• Modify your Easyweb login profile details

6.3 Deletion

• Request deletion of your personal data
• Close your Easyweb login account

6.4 Restriction and Objection

• Restrict processing of your information
• Object to direct marketing communications
• Withdraw consent where applicable

7. International Data Transfers

As we operate in both USA and Germany, your information may be transferred and processed in different countries. We ensure adequate protection through:

• Compliance with applicable data protection laws
• Standard contractual clauses
• Adequacy decisions by relevant authorities
• Secure Easyweb login data transmission

8. Data Retention

We retain your personal information for as long as necessary to:

• Provide our financial services
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements
• Maintain Easyweb login account security

Retention periods vary based on the type of information and legal requirements, typically ranging from 3 to 10 years for financial records.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete such information promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Displaying notices in your Easyweb login account
• Providing in-app notifications

Your continued use of our services after the effective date constitutes acceptance of the updated Privacy Policy.