Privacy Policy FIRST Financial Direct Group Commitment to Data Privacy Protection Protecting the security and privacy of your personal data is important to FIRST Financial Direct Group; therefore, we conduct our business in compliance with applicable laws on data privacy protection and data security. We hope the policy outlined below will help you understand what data FIRST Financial Direct Group may collect and how FIRST Financial Direct Group uses and safeguards that data and with whom we may share it. Personal Data Through our website, FIRST Financial Direct Group will not collect any personal data about you (e.g. your name, address, telephone number or e-mail address), unless you voluntarily choose to provide us with it (e.g. by registration, survey), respectively, provide your consent, or unless otherwise permitted by applicable laws and regulations for the protection of your personal data. Purpose of Use When you do provide us with personal data, we usually use it to respond to your inquiry, process your order or provide you access to specific information or offers. Also, to support our customer relationship with you: we may store and process personal data and share it with our worldwide affiliates to better understand your business needs and how we can improve our products and services; or we (or a third party on our behalf) may use personal data to contact you about a FIRST Financial Direct Group offer in support of your business needs or to conduct online surveys to understand better our customers' needs. If you choose not to have your personal data used to support our customer relationship (especially direct marketing or market research), we will respect your choice. We do not sell or otherwise market your personal data to third parties. Purpose Limitation FIRST Financial Direct Group will collect, use or disclose personal data supplied by you online only for the purposes disclosed to you, unless the disclosure: is a use of the personal data for any additional purpose that is directly related to the original purpose for which the personal data was collected, is necessary to prepare, negotiate and perform a contract with you, is required by law or the competent governmental or judicial authorities, is necessary to establish or preserve a legal claim or defence, is necessary to prevent fraud or other illegal activities, such as wilful attacks on FIRST Financial Direct Group. Communications or Utilization Data Through your use of telecommunications services to access our Web site, your communications data (e.g. Internet protocol address) or utilization data (e.g. information on the beginning, end and extent of each access, and information on the telecommunications services you accessed) are technically generated and could conceivably relate to personal data. To the extent that there is a compelling necessity, the collection, processing and use of your communications or utilization data will occur and will be performed in accordance with the applicable data privacy protection legal framework. Non-Personal Data Collected Automatically When you access our Web sites, we may automatically (i.e., not by registration) collect non-personal data (e.g. type of Internet browser and operating system used, domain name of the Web site from which you came, number of visits, average time spent on the site, pages viewed). We may use this data and share it with our worldwide affiliates to monitor the attractiveness of our Web sites and improve their performance or content. "Cookies" - Information Stored Automatically on Your Computer When you view one of our Web sites, we may store some data on your computer in the form of a "cookie" to automatically recognize your PC next time you visit. Cookies can help us in many ways, for example, by allowing us to tailor a Web site to better match your interests or to store your password to save you having to re-enter it each time. If you do not wish to receive cookies, please configure your Internet browser to erase all cookies from your computer's hard drive, block all cookies or to receive a warning before a cookie is stored. This website uses Google Analytics, a web analytics service provided by Google, Inc. ("Google").  Google Analytics uses "cookies", which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States . Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage.  Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google.  You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website.  By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above. Links to Other Web Sites FIRST Financial Direct Group Web sites contain links to other Web sites. FIRST Financial Direct Grop is not responsible for the privacy practices or the content of other Web sites. Data Privacy Protection For collection, use and processing of personally identifiable data of the user of the FIRST Financial Direct Group Web Site, FIRST Financial Direct Group shall comply with applicable laws on data privacy protection and the FIRST Financial Direct Group Web Site Data Protection Privacy Policy, which is available per hyperlink on the FIRST Financial Direct Group Web Site and/or on www.firstfd.de. The place of jurisdiction shall be Munich. These Terms of Use shall be governed by - and all disputes relating to or in connection with these Terms of Use or their subject matter shall be resolved in accordance with - the laws of Germany, to the exclusion of its conflict of laws rules. Summation If you have any questions about this privacy statement or the practices of this site, please contact us.