End User Terms of Service

These End-User Terms of Service (“Terms”) set out the rules that apply to you (“you”, “your”) whenever you use our payment initiation services (“PIS”) provided by Ivy Pay Oy (“Ivy”, “we”, “us”, “our”). Our Services are offered through the applications or websites of our customers, such as merchants, financial institutions, or other service providers (“Partner(s)”). In some cases, they may also be offered through the customers of these Partners. To use our Services, you must accept these Terms by clicking “Continue” or “Accept.” Doing so forms a binding agreement between you and us. These Terms explain how we provide our Services and, in accordance with Finnish law, include all legally required information about the distance contract for our financial services before you decide to use them. Please review these Terms carefully each time before you accept them, and consider downloading and saving a copy for your records. If you do not agree to these Terms, you will not be able to use our Services.

Please note: These Terms apply only to our Services. If you use any applications or websites provided by a Partner (“Partner Service”), your use of those services is governed by a separate agreement between you and the Partner. These Terms do not affect any agreement you have with the Partner. You can always find the latest version of these Terms and other relevant information on our website in the section XXX. Some information may also be provided to you as required by law when you use our Services.

  1. Who We Are

    1. Ivy Pay Oy is a licensed payments institution based in Finland, authorised by the Finnish Financial Supervisory Authority (FIN-FSA). Our company is registered under the national identification number 32927038, with our head office located at Konepajankatu 1, 00510 Helsinki, Finland. We hold a payment institution license issued by the FIN-FSA with the registration number 3292703-8. This license enables us to act as payment service provider in the EEA.

  2. How Our Services Work

    1. With your explicit consent and based on your instruction, Ivy Pay Oy can initiate payments directly from your account held with your Account Servicing Payment Service Provider (“ASPSP”) to your chosen recipient. This process is entirely enabled and authorised by you. 

    2. After selecting your ASPSP, you will be securely redirected to enter your login details through a web browser, your banking app, or directly via our platform. Your login process may include two-factor authentication, such as a password combined with biometric credentials (fingerprint or Face ID). You will authenticate yourself with your Account Provider exactly as you would when accessing their own applications or websites.

    3. Important Notes:

      1. We and our Partners never have access to or visibility of your login credentials

      2. If you cannot authenticate with your ASPSP, we may be unable to provide the Services

      3. Your ASPSP sets their own authentication requirements, which we cannot control and accept no responsibility for

  3. Making a Payment

    1. When making a payment, you will be asked to provide certain payment details. Depending on the functionality of the Partner Service, these details may either be pre-filled for you to review and confirm, or you may need to enter them yourself. The information required for a payment (“Single Payment Order”) typically includes:

      1. Details of the Beneficiary (the person or entity you are paying)

      2. The amount to be paid

      3. A description or reference for the payment

      4. The date on which the payment will be made

      5. Any other mandatory information requested during the payment or checkout process

      6. Your clear and express consent to the payment

    2. Please note that the specific information required may vary depending on your ASPSP. You are responsible for making sure all payment details are correct before authorising us to initiate a payment, and for ensuring there are enough funds in your chosen account. If you notice any discrepancies or errors in the payment details or amount, do not proceed with the transaction. Always double-check the identity and information of the Beneficiary before giving your approval for any payment. 

    3. Where you have provided explicit consent to initiate a payment, and access to details of the payment account is required, such information may be obtained from your ASPSP or a third-party provider. This information may, in certain cases, also be shared with the Partner depending on the Partner’s services. The data accessible may include, but is not limited to, transaction history, transaction amounts and descriptions, account names and numbers, current balances, savings, loans, investments, and other related financial details. We do not assume any responsibility or liability for the accuracy, completeness, or reliability of the information received from the ASPSP or third-party provider.

    4. After your Account Provider successfully completes the authentication process, you will be prompted to select the payment account from which the transaction should be initiated (unless you have already designated an account during a prior interaction with the Service, depending on how the specific Partner has configured the payment process). We will send the payment summary to your ASPSP and instruct them to complete the transaction, ensuring the payment is credited to the chosen recipient as specified. 

  1. Once we receive your Single Payment Order, the payment is initiated almost immediately. As a result, you cannot withdraw your consent for that payment after the order has been submitted. The ASPSP is solely responsible for the execution of the payment transaction. However, the ASPSP does not control or guarantee the acceptance or final processing of the payment. Accordingly, delays, failures, or errors in transmission may occur, and such risks are beyond our control.

  1. What if something goes wrong?

    1. If you notice a payment that seems incorrect, unauthorized, or not properly processed, contact your Account Provider as soon as possible. They are responsible for helping you and issuing a refund if you're entitled.

    2. If you delay reporting beyond 13 months or fail to follow required security measures (including acting fraudulently or with gross negligence), you may lose your right to a refund and be liable for the full amount.

    3. You should be aware that your Account Provider (ASPSP) may contact you directly—not through us or any third party—if there is an issue with a payment instruction submitted via our Payment Services, such as insufficient funds or authorization problems. Such matters will be handled in accordance with the terms you have agreed upon with your Account Provider.

  2. Who Can Use Ivy Pay?

    1. You may only use our Services if you meet the following requirements:

      1. You are at least 18 years old, or otherwise have the legal right to accept these Terms in accordance with applicable law.

      2. The account with your Account Servicing Payment Service Provider (ASPSP) to which your authorisation relates is located in the EEA.

      3. If you are using the Services to access accounts held by a legal entity (such as a company or other organisation) that you represent, you are accepting these Terms on behalf of that entity.

      4. All information you provide to Ivy and/or any Third Party is true, accurate, complete, and up-to-date, and you are the person whose details have been provided.

      5. You are able to enter into a legally binding agreement with Ivy.

      6. You will only use the Services as described in these Terms.

      7. If any intellectual property rights belonging to you are included in the Financial Information you provide, you grant Ivy a non-exclusive, sublicensable, royalty-free licence to use them as necessary to fulfil our obligations under these Terms.

  3. Can you block my payments or stop me from using the service?

    1. Ivy may refuse to provide our Services, including declining to submit an instruction to your ASPSP, if we reasonably believe that:

      1. Your security details have been compromised or the instruction was not submitted by you

      2. You fail to complete required authentication procedures

      3. Technical issues prevent secure service delivery

      4. You, your ASPSP, the relevant account, or the instruction/consent are connected to fraudulent or criminal activity

      5. Submitting the instruction would involve us in criminal activity, violate the law, or breach regulatory or contractual obligations

      6. Carrying out the instruction would expose us to enforcement action by authorities

    2. If we refuse to submit an instruction, we will not send it to the ASPSP and will not be liable to you for this refusal. Where required by law, we will inform you or the relevant Third Party and provide the reasons for our refusal. If we detect a security risk, unauthorised use, or suspect fraud or illegal activity, we may temporarily block the Services or your access. We will notify you using your available contact details (such as phone, email, or via the Partner), unless prior notice is not possible under the circumstances.

  4. Changes to These Terms

    1. We will provide you with at least one month's written notice of any significant changes to these Terms, along with the updated version, via our website. If you do not agree with the proposed changes, you should stop using our Services. By continuing to use our Services after the changes take effect, you will be considered to have accepted the updated Terms.

  5. If You Need to Get in Touch

    1. In the event of suspected or actual fraud or security threats in relation to any of your Payment Accounts, please contact the Third Party and your ASPSP directly.

  6. Fees and Costs

    1. You will not be charged any fees by us for using the Services as an end user. However, your mobile or internet provider may charge you for connectivity, and the Partner may charge fees for using their service.

  7. Your Rights and Our Intellectual Property

    1. Ivy’s services, website, or All content, technology, including but not limited to software, text, images, graphics, and logos, are owned by Ivy or its licensors and are protected under applicable intellectual property laws. Your use of these materials is limited to the scope necessary to access and use the services provided by Ivy and does not transfer any ownership rights to you. You may not reproduce, modify, distribute, or otherwise use any of Ivy’s intellectual property for any other purpose without prior written permission. features, and materials used in connection with

    2. "Ivy" and related marks are trademarks of Ivy Inc. Unauthorized use of any Ivy trademarks is strictly prohibited and may result in legal action. Any rights not expressly granted herein are reserved by Ivy.

  8. Our Liability to You

    1. To the maximum extent permitted by law, Ivy is not liable for any loss or damage you may suffer in connection with your use of the Services in the following circumstances (which, for clarity, include matters outside of our control and/or services not provided by us):

      1. where the loss arises from the actions, omissions, or systems of a third party, including your ASPSP (such as issues with payment execution, account information accuracy, or service functionality);

      2. any unauthorised access to your login credentials, device, or personal information that occurs outside of our reasonable control;

      3. your use of any products, services, or content provided by third parties or Partners, including any financial or commercial decisions you make based on such use;

      4. issues caused by third-party infrastructure on which our Services rely, such as your internet or mobile service provider;

      5. your breach of these Terms, use of the Services for unlawful or prohibited purposes, or failure to take reasonable steps to safeguard your device and credentials;

      6. if we suspend, restrict, or refuse your access to the Services;

      7. if you knew of the risk of unauthorised access but failed to notify us promptly; or

      8. where the circumstances causing the loss were abnormal, unforeseeable, or otherwise unavoidable despite our reasonable efforts.

    2. Nothing in these Terms excludes or limits our liability where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence, for fraud, or for fraudulent misrepresentation.

    3. If you are located in the EEA (excluding Sweden), you should be aware that if you are entitled to a refund for an incorrect or unauthorised payment, you may still be liable for up to €50 for any losses resulting from unauthorised transactions that occur after the loss or theft of your payment instrument and before you notify us. If you have acted fraudulently, or have intentionally or with gross negligence failed to safeguard your login credentials or payment instrument, you may be held responsible for all losses incurred due to the unauthorised transaction.

  1. How Long Does This Agreement Last?

    1. The agreement between you and Ivy is formed each time you click “Continue” or “Accept” to use the Service. That agreement automatically ends once the requested information is retrieved from your account or the payment is initiated. Each use of these one-off services constitutes a separate, standalone agreement that concludes upon completion of the respective service.

  2. Complaints and Legal Jurisdiction

    1. Payment services provided by Ivy Pay Oy are governed by Finnish law. Any dispute, claim, or controversy related to these payment services will be subject exclusively to Finnish law and resolved in the courts of Finland. If any provision of these Terms is found to be invalid or unenforceable, the remainder of the Terms will remain fully effective and enforceable.

These End-User Terms of Service (“Terms”) set out the rules that apply to you (“you”, “your”) whenever you use our payment initiation services (“PIS”) provided by Ivy Pay Oy (“Ivy”, “we”, “us”, “our”). Our Services are offered through the applications or websites of our customers, such as merchants, financial institutions, or other service providers (“Partner(s)”). In some cases, they may also be offered through the customers of these Partners. To use our Services, you must accept these Terms by clicking “Continue” or “Accept.” Doing so forms a binding agreement between you and us. These Terms explain how we provide our Services and, in accordance with Finnish law, include all legally required information about the distance contract for our financial services before you decide to use them. Please review these Terms carefully each time before you accept them, and consider downloading and saving a copy for your records. If you do not agree to these Terms, you will not be able to use our Services.

Please note: These Terms apply only to our Services. If you use any applications or websites provided by a Partner (“Partner Service”), your use of those services is governed by a separate agreement between you and the Partner. These Terms do not affect any agreement you have with the Partner. You can always find the latest version of these Terms and other relevant information on our website in the section XXX. Some information may also be provided to you as required by law when you use our Services.

  1. Who We Are

    1. Ivy Pay Oy is a licensed payments institution based in Finland, authorised by the Finnish Financial Supervisory Authority (FIN-FSA). Our company is registered under the national identification number 32927038, with our head office located at Konepajankatu 1, 00510 Helsinki, Finland. We hold a payment institution license issued by the FIN-FSA with the registration number 3292703-8. This license enables us to act as payment service provider in the EEA.

  2. How Our Services Work

    1. With your explicit consent and based on your instruction, Ivy Pay Oy can initiate payments directly from your account held with your Account Servicing Payment Service Provider (“ASPSP”) to your chosen recipient. This process is entirely enabled and authorised by you. 

    2. After selecting your ASPSP, you will be securely redirected to enter your login details through a web browser, your banking app, or directly via our platform. Your login process may include two-factor authentication, such as a password combined with biometric credentials (fingerprint or Face ID). You will authenticate yourself with your Account Provider exactly as you would when accessing their own applications or websites.

    3. Important Notes:

      1. We and our Partners never have access to or visibility of your login credentials

      2. If you cannot authenticate with your ASPSP, we may be unable to provide the Services

      3. Your ASPSP sets their own authentication requirements, which we cannot control and accept no responsibility for

  3. Making a Payment

    1. When making a payment, you will be asked to provide certain payment details. Depending on the functionality of the Partner Service, these details may either be pre-filled for you to review and confirm, or you may need to enter them yourself. The information required for a payment (“Single Payment Order”) typically includes:

      1. Details of the Beneficiary (the person or entity you are paying)

      2. The amount to be paid

      3. A description or reference for the payment

      4. The date on which the payment will be made

      5. Any other mandatory information requested during the payment or checkout process

      6. Your clear and express consent to the payment

    2. Please note that the specific information required may vary depending on your ASPSP. You are responsible for making sure all payment details are correct before authorising us to initiate a payment, and for ensuring there are enough funds in your chosen account. If you notice any discrepancies or errors in the payment details or amount, do not proceed with the transaction. Always double-check the identity and information of the Beneficiary before giving your approval for any payment. 

    3. Where you have provided explicit consent to initiate a payment, and access to details of the payment account is required, such information may be obtained from your ASPSP or a third-party provider. This information may, in certain cases, also be shared with the Partner depending on the Partner’s services. The data accessible may include, but is not limited to, transaction history, transaction amounts and descriptions, account names and numbers, current balances, savings, loans, investments, and other related financial details. We do not assume any responsibility or liability for the accuracy, completeness, or reliability of the information received from the ASPSP or third-party provider.

    4. After your Account Provider successfully completes the authentication process, you will be prompted to select the payment account from which the transaction should be initiated (unless you have already designated an account during a prior interaction with the Service, depending on how the specific Partner has configured the payment process). We will send the payment summary to your ASPSP and instruct them to complete the transaction, ensuring the payment is credited to the chosen recipient as specified. 

  1. Once we receive your Single Payment Order, the payment is initiated almost immediately. As a result, you cannot withdraw your consent for that payment after the order has been submitted. The ASPSP is solely responsible for the execution of the payment transaction. However, the ASPSP does not control or guarantee the acceptance or final processing of the payment. Accordingly, delays, failures, or errors in transmission may occur, and such risks are beyond our control.

  1. What if something goes wrong?

    1. If you notice a payment that seems incorrect, unauthorized, or not properly processed, contact your Account Provider as soon as possible. They are responsible for helping you and issuing a refund if you're entitled.

    2. If you delay reporting beyond 13 months or fail to follow required security measures (including acting fraudulently or with gross negligence), you may lose your right to a refund and be liable for the full amount.

    3. You should be aware that your Account Provider (ASPSP) may contact you directly—not through us or any third party—if there is an issue with a payment instruction submitted via our Payment Services, such as insufficient funds or authorization problems. Such matters will be handled in accordance with the terms you have agreed upon with your Account Provider.

  2. Who Can Use Ivy Pay?

    1. You may only use our Services if you meet the following requirements:

      1. You are at least 18 years old, or otherwise have the legal right to accept these Terms in accordance with applicable law.

      2. The account with your Account Servicing Payment Service Provider (ASPSP) to which your authorisation relates is located in the EEA.

      3. If you are using the Services to access accounts held by a legal entity (such as a company or other organisation) that you represent, you are accepting these Terms on behalf of that entity.

      4. All information you provide to Ivy and/or any Third Party is true, accurate, complete, and up-to-date, and you are the person whose details have been provided.

      5. You are able to enter into a legally binding agreement with Ivy.

      6. You will only use the Services as described in these Terms.

      7. If any intellectual property rights belonging to you are included in the Financial Information you provide, you grant Ivy a non-exclusive, sublicensable, royalty-free licence to use them as necessary to fulfil our obligations under these Terms.

  3. Can you block my payments or stop me from using the service?

    1. Ivy may refuse to provide our Services, including declining to submit an instruction to your ASPSP, if we reasonably believe that:

      1. Your security details have been compromised or the instruction was not submitted by you

      2. You fail to complete required authentication procedures

      3. Technical issues prevent secure service delivery

      4. You, your ASPSP, the relevant account, or the instruction/consent are connected to fraudulent or criminal activity

      5. Submitting the instruction would involve us in criminal activity, violate the law, or breach regulatory or contractual obligations

      6. Carrying out the instruction would expose us to enforcement action by authorities

    2. If we refuse to submit an instruction, we will not send it to the ASPSP and will not be liable to you for this refusal. Where required by law, we will inform you or the relevant Third Party and provide the reasons for our refusal. If we detect a security risk, unauthorised use, or suspect fraud or illegal activity, we may temporarily block the Services or your access. We will notify you using your available contact details (such as phone, email, or via the Partner), unless prior notice is not possible under the circumstances.

  4. Changes to These Terms

    1. We will provide you with at least one month's written notice of any significant changes to these Terms, along with the updated version, via our website. If you do not agree with the proposed changes, you should stop using our Services. By continuing to use our Services after the changes take effect, you will be considered to have accepted the updated Terms.

  5. If You Need to Get in Touch

    1. In the event of suspected or actual fraud or security threats in relation to any of your Payment Accounts, please contact the Third Party and your ASPSP directly.

  6. Fees and Costs

    1. You will not be charged any fees by us for using the Services as an end user. However, your mobile or internet provider may charge you for connectivity, and the Partner may charge fees for using their service.

  7. Your Rights and Our Intellectual Property

    1. Ivy’s services, website, or All content, technology, including but not limited to software, text, images, graphics, and logos, are owned by Ivy or its licensors and are protected under applicable intellectual property laws. Your use of these materials is limited to the scope necessary to access and use the services provided by Ivy and does not transfer any ownership rights to you. You may not reproduce, modify, distribute, or otherwise use any of Ivy’s intellectual property for any other purpose without prior written permission. features, and materials used in connection with

    2. "Ivy" and related marks are trademarks of Ivy Inc. Unauthorized use of any Ivy trademarks is strictly prohibited and may result in legal action. Any rights not expressly granted herein are reserved by Ivy.

  8. Our Liability to You

    1. To the maximum extent permitted by law, Ivy is not liable for any loss or damage you may suffer in connection with your use of the Services in the following circumstances (which, for clarity, include matters outside of our control and/or services not provided by us):

      1. where the loss arises from the actions, omissions, or systems of a third party, including your ASPSP (such as issues with payment execution, account information accuracy, or service functionality);

      2. any unauthorised access to your login credentials, device, or personal information that occurs outside of our reasonable control;

      3. your use of any products, services, or content provided by third parties or Partners, including any financial or commercial decisions you make based on such use;

      4. issues caused by third-party infrastructure on which our Services rely, such as your internet or mobile service provider;

      5. your breach of these Terms, use of the Services for unlawful or prohibited purposes, or failure to take reasonable steps to safeguard your device and credentials;

      6. if we suspend, restrict, or refuse your access to the Services;

      7. if you knew of the risk of unauthorised access but failed to notify us promptly; or

      8. where the circumstances causing the loss were abnormal, unforeseeable, or otherwise unavoidable despite our reasonable efforts.

    2. Nothing in these Terms excludes or limits our liability where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence, for fraud, or for fraudulent misrepresentation.

    3. If you are located in the EEA (excluding Sweden), you should be aware that if you are entitled to a refund for an incorrect or unauthorised payment, you may still be liable for up to €50 for any losses resulting from unauthorised transactions that occur after the loss or theft of your payment instrument and before you notify us. If you have acted fraudulently, or have intentionally or with gross negligence failed to safeguard your login credentials or payment instrument, you may be held responsible for all losses incurred due to the unauthorised transaction.

  1. How Long Does This Agreement Last?

    1. The agreement between you and Ivy is formed each time you click “Continue” or “Accept” to use the Service. That agreement automatically ends once the requested information is retrieved from your account or the payment is initiated. Each use of these one-off services constitutes a separate, standalone agreement that concludes upon completion of the respective service.

  2. Complaints and Legal Jurisdiction

    1. Payment services provided by Ivy Pay Oy are governed by Finnish law. Any dispute, claim, or controversy related to these payment services will be subject exclusively to Finnish law and resolved in the courts of Finland. If any provision of these Terms is found to be invalid or unenforceable, the remainder of the Terms will remain fully effective and enforceable.

1. Introduction

In the following, we inform about the processing of personal data when using

  • our website getivy.com

  • of our services within the scope of the product Ivy

  • of our profiles in social media.

Personal data is any data that can be related to a specific natural person, e.g. their name or IP address.

1.1. Contact details

The controller pursuant to Art. 4 (7) of the EU General Data Protection Regulation (GDPR) is Ivy GmbH, Sandstraße 33, 80335 Munich, Germany, e-mail: hello@getivy.de. We are legally represented by the Managing Directors (Geschäftsführer) Ferdinand Dabitz, Simon Wimmer, Peter Lieck, Joshua Becker.

Our data protection officer can be contacted via heyData GmbH, Schützenstraße 5, 10117 Berlin, www.heydata.eu, e-mail: datenschutz@heydata.eu.

1.2 Scope of data processing, processing purposes and legal basis

We detail the scope of data processing, processing purposes and legal bases below. In principle, the following come into consideration as the legal basis for data processing:

  • Art. 6 (1) p. 1 lit. a DSGVO serves as the legal basis for processing operations for which we obtain consent.

  • Art. 6 para. 1 p. 1 lit. b DSGVO is the legal basis insofar as the processing of personal data is necessary for the fulfillment of a contract, e.g. if a site visitor purchases a product from us or we perform a service for him.

  • This legal basis also applies to processing that is necessary for pre-contractual measures, such as inquiries about our products or services.

  • Art. 6 (1) p. 1 lit. c DSGVO applies if we fulfill a legal obligation with the processing of personal data, as may be the case, for example, in tax law.

  • Art. 6 (1) p. 1 lit. f DSGVO serves as the legal basis when we can invoke legitimate interests to process personal data, e.g. for cookies that are necessary for the technical operation of our website.

1.3 Data processing outside the EEA

Insofar as we transfer data to service providers or other third parties outside the EEA, adequacy decisions of the EU Commission pursuant to Art. 45 para. 3 GDPR guarantee the security of the data during transfer, insofar as these exist, as is the case, for example, for the UK, Canada and Israel.

If no adequacy decision exists (e.g. for the USA), the legal basis for data transfer is usually standard contractual clauses, i.e. unless we indicate otherwise. These are a set of rules adopted by the EU Commission and form part of the contract with the respective third party. According to Art. 46 para. 2 lit. b GDPR, they guarantee the security of data transfer. Many of the providers have issued contractual guarantees that go beyond the standard contractual clauses and protect the data beyond the standard contractual clauses. These are, for example, guarantees regarding the encryption of the data or regarding the obligation of the third party to inform the data subject if law enforcement agencies wish to access data.

1.4. Storage period

Unless expressly stated within the scope of this data protection declaration, the data stored by us will be deleted as soon as it is no longer required for its intended purpose and the deletion does not conflict with any statutory retention obligations. If the data is not deleted because it is required for other and legally permissible purposes, its processing will be restricted, i.e. the data will be blocked and not processed for other purposes. This applies, for example, to data that we must retain for reasons of commercial or tax law.

1.5 Rights of the persons concerned

Data subjects have the following rights vis-à-vis us with regard to the personal data concerning them:

  • Right to information,

  • Right to rectification or deletion,

  • Right to restriction of processing,

  • Right to object to processing,

  • Right to data portability,

  • Right to revoke consent given at any time.

Data subjects also have the right to complain to a data protection supervisory authority about the processing of their personal data. Contact details for the data protection supervisory authorities are available at https://www.bfdi.bund.de/DE/Service/Anschriften/Laender/Laender-node.html.

1.6 Obligation to provide data

In the context of a business relationship or other relationship, customers, interested parties or third parties only have to provide us with the personal data that is required for the establishment, implementation and termination of the business relationship or for the other relationship, or which we are legally obliged to collect. Without this data, we will usually have to refuse to conclude a contract or provide a service or will no longer be able to perform an existing contract or other relationship.

Mandatory information is marked as such.

1.7 No automatic decision-making in individual cases

In principle, we do not use fully automated decision-making in accordance with Article 22 GDPR to establish and implement a business relationship or other relationship. If we use these procedures in individual cases, we will provide separate information about this if this is required by law.

1.8 Making contact

When you contact us, e.g. by email or telephone, the data you provide us with (e.g. names and email addresses) will be stored by us in order to answer your questions. The legal basis for the processing is our legitimate interest (Art. 6 para. 1 sentence 1 lit. f GDPR) in answering inquiries addressed to us. We delete the data collected in this context after storage is no longer necessary or restrict processing if there are statutory retention obligations.

1.9 Customer surveys

From time to time, we conduct customer surveys to get to know our customers and their wishes better. We collect the data requested in each case. It is our legitimate interest to get to know our customers and their wishes better, so that the legal basis for the associated data processing is Art. 6 para. 1 sentence 1 lit. f GDPR. We delete the data once the results of the surveys have been evaluated.


2. Newsletter

Interested parties have the option of subscribing to a free newsletter. We process the data provided during registration exclusively for the purpose of sending the newsletter. Registration takes place by selecting the corresponding field on our website, by ticking the corresponding field in a paper document or by another clear action, whereby interested parties declare their consent to the processing of their data, so that the legal basis is Art. 6 para. 1 sentence 1 lit.a GDPR. Consent can be withdrawn at any time, e.g. by clicking on the corresponding link in the newsletter or by sending a message to the email address provided above. The processing of the data until revocation remains lawful even in the event of revocation.

Based on the consent of the recipients (Art. 6 para. 1 sentence 1 lit. a GDPR), we also measure the opening and click rate of our newsletters in order to understand which content is relevant for our recipients.

We send newsletters with the tools

  • SendGrid of the provider Twilio, Inc, 375 Beale Street, Suite 300, San Francisco, CA 94105, USA (privacy policy: https://www.twilio.com/legal/privacy). The provider processes content, usage, meta/communication data and contact data in the USA.

  • HubSpot of the provider HubSpot, Inc., 25 1st Street Cambridge, MA 0214, USA (privacy policy: https://legal.hubspot.com/de/privacy-policy). The provider processes content, usage, meta/communication data and contact data in the USA.


3. Data processing on our website

3.1 Note for website visitors from Germany

Our website stores information in the terminal equipment of website visitors (e.g. cookies) or accesses information that is already stored in the terminal equipment (e.g. IP addresses). Please refer to the following sections to find out what information this is in detail.

This storage and access takes place on the basis of the following provisions:

  • Insofar as this storage or access is absolutely necessary for us to provide the service expressly requested by website visitors on our website (e.g. to implement a chatbot used by the website visitor or to ensure the IT security of our website), it is carried out on the basis of Section 25 (2) no. 2 TTDSG.

  • Otherwise, this storage or access is based on the consent of the website visitor (Section 25 (1) TTDSG).

Downstream data processing is carried out in accordance with the following sections and on the basis of the provisions of the GDPR.

3.2 Informational use of the website

During the informative use of the website, i.e. when site visitors do not separately transmit information to us, we collect the personal data that the browser transmits to our server in order to ensure the stability and security of our website. This is our legitimate interest, so that the legal basis is Art. 6 para. 1 p. 1 lit. f DSGVO.

These data are:

IP address

● Date and time of the request

● Time zone difference to Greenwich Mean Time (GMT)

● Content of the request (specific page)

Access status/HTTP status code

● Amount of data transferred in each case

● Website from which the request comes

● Browser

● Operating system and its interface

● Language and version of the browser software.

This data is also stored in log files. They are deleted when their storage is no longer necessary, at the latest after 14 days.

3.3 Web hosting and provision of the website

Our website hosts Webflow. The provider is Webflow, Inc., 398 11th St., Floor 2, San Francisco, CA 94103, USA. In doing so, the provider processes the personal data transmitted via the website, e.g. content, usage, meta/communication data or contact data, in the USA. Further information can be found in the provider’s privacy policy at https://webflow.com/legal/eu-privacy-policy.

It is our legitimate interest to provide a website, so that the legal basis of the described data processing is Art. 6 para. 1 p. 1 lit. f DSGVO.

The legal basis for the transfer to a country outside the EEA are standard contractual clauses. The security of the data transferred to the third country (i.e. a country outside the EEA) is ensured by standard data protection clauses adopted in accordance with the review procedure under Article 93(2) of the GDPR (Article 46(2)(c) of the GDPR), which we have agreed with the provider.

3.4 Contact form

When contacting us via the contact form on our website, we store the data requested there and the content of the message.

The legal basis for the processing is our legitimate interest to answer inquiries directed to us. The legal basis for the processing is therefore Art. 6 para. 1 p. 1 lit. f DSGVO.

We delete the data accruing in this context after the storage is no longer required or restrict the processing if there are legal retention obligations.

3.5 Job advertisements

We post jobs that are available within our company on our website, on sites linked to the website, or on third-party websites.

The processing of the data provided as part of the application is carried out for the purpose of implementing the application process. Insofar as this is necessary for our decision to establish an employment relationship, the legal basis is Art. 88 (1) DSGVO in conjunction with Section 26 (1) BDSG. We have marked the data required to carry out the application process accordingly or refer to them. If applicants do not provide this data, we cannot process the application.

Further data is voluntary and not required for an application. If applicants provide further information, this is based on their consent (Art. 6 para. 1 p. 1 lit. a DSGVO).

We ask applicants to refrain from providing information on political opinions, religious beliefs and similarly sensitive data in their resumes and cover letters. They are not required for an application. If applicants nevertheless provide such information, we cannot prevent their processing as part of the processing of the resume or cover letter. Their processing is then also based on the consent of the applicants (Art. 9 (2) a DSGVO).

Finally, we process the applicants’ data for further application procedures if they have given us their consent to do so. In this case, the legal basis is Art. 6 para. 1 p. 1 lit. a DSGVO.We pass on the applicants’ data to the responsible employees in the HR department, to our order processors in the area of recruiting and to the employees otherwise involved in the application process.

If we enter into an employment relationship with the applicant following the application process, we delete the data only after the employment relationship has ended. Otherwise, we delete the data no later than six months after rejecting an applicant.

If applicants have given us their consent to also use their data for further application procedures, we will not delete their data until one year after receipt of the application.

We publish vacancies on the crew.work website. The provider is Crew.work SAS, Paris, France. The provider processes your application data under the conditions described in its privacy policy: https://www.crew.work/privacy-policy.

3.6 Booking appointments

Site visitors can book appointments with us on our website. For this purpose, we process meta or communication data in addition to the data entered. We have a legitimate interest in offering interested parties a user-friendly way to make appointments. The legal basis for data processing is therefore Art. 6 para. 1 sentence 1 lit. f GDPR. If we use a tool from a third-party provider for the agreement, the information can be found under “Third-party providers”.

3.7 Third-party providers

3.7.1 Typeform

We use Typeform for questionnaires and forms. The provider is Typeform S.L., 163 Carrer de Bac de Roda, Barcelona, Spain. The provider processes content data (e.g. entries in online forms) and meta/communication data (e.g. device information, IP addresses) in the USA.

The legal basis of the processing is Art. 6 para. 1 p. 1 lit. f DSGVO. We have a legitimate interest in retrieving information from customers and others in a simple and appealing way.

The legal basis for the transfer to a country outside the EEA are standard contractual clauses. The security of the data transferred to the third country (i.e. a country outside the EEA) is ensured by standard data protection clauses adopted in accordance with the review procedure under Article 93(2) of the GDPR (Article 46(2)(c) of the GDPR), which we have agreed with the provider.

The data is deleted when the purpose for which it was collected no longer applies and there is no obligation to retain it. Further information is available in the provider’s privacy policy at https://admin.typeform.com/to/dwk6gt.

3.7.2 Google Analytics

We use Google Analytics for analysis. The provider is Google Ireland Limited, Gordon House, Barrow Street, Dublin 4, Dublin, Ireland. The provider processes usage data (e.g. websites visited, interest in content, access times) and meta/communication data (e.g. device information, IP addresses) in the USA.

The legal basis of the processing is Art. 6 para. 1 p. 1 lit. a DSGVO. The processing is based on consent. Data subjects may revoke their consent at any time by contacting us, for example, using the contact details provided in our privacy policy. The revocation does not affect the lawfulness of the processing until the revocation.

The legal basis for the transfer to a country outside the EEA are standard contractual clauses. The security of the data transferred to the third country (i.e. a country outside the EEA) is ensured by standard data protection clauses adopted in accordance with the review procedure under Article 93(2) of the GDPR (Article 46(2)(c) of the GDPR), which we have agreed with the provider.

The data is deleted when the purpose for which it was collected no longer applies and there is no obligation to retain it. Further information is available in the provider’s privacy policy at https://policies.google.com/privacy?hl=de.

3.7.3 Google Optimize

For the optimization of our website we use the tool Google Optimize of the company Google Ireland Limited, Gordon House, Barrow Street, Dublin 4, Ireland, (“Google”). The tool is an integration to Google Analytics, processes the data from Google Analytics and helps to perform simple tests on the design and content of the website. More information about this can be found under the paragraph for Google Analytics in this Privacy Policy. The legal basis for data processing is Art. 6 para. 1 p. 1 lit. a DSGVO. The consent can be revoked at any time via the data provided on this contact page. The revocation does not affect the lawfulness of the processing until the revocation.

Further information on data processing can be found in the provider’s privacy policy at http://www.google.com/policies/privacy.

3.7.4 Hotjar

We use Hotjar for analytics. The provider is Hotjar Ltd, Dragonara Business Centre, 5th Floor, Dragonara Road, Paceville St Julian’s, STJ 3141, Malta. The provider processes usage data (e.g. websites visited, interest in content, access times) and meta/communication data (e.g. device information, IP addresses) in the EU.

The legal basis of the processing is Art. 6 para. 1 p. 1 lit. a DSGVO. The processing is based on consent. Data subjects may revoke their consent at any time by contacting us, for example, using the contact details provided in our privacy policy. The revocation does not affect the lawfulness of the processing until the revocation.

The data is deleted when the purpose for which it was collected no longer applies and there is no obligation to retain it. Further information is available in the provider’s privacy policy at https://www.hotjar.com/legal/policies/privacy/.

3.7.5 Weglot

We use Weglot for translations. The provider is Weglot, 138, rue Pierre Joigneaux in BOIS-COLOMBES (92270), France. The provider processes meta/communication data (e.g. device information, IP addresses) in the EU.

The legal basis of the processing is Art. 6 para. 1 p. 1 lit. f DSGVO. We have a legitimate interest in automatically translating information on our website.

The data is deleted when the purpose for which it was collected no longer applies and there is no obligation to retain it. Further information is available in the provider’s privacy policy at https://weglot.com/de/privacy/.

3.7.6 Google Tag Manager

We use Google Tag Manager for analysis and advertising. The provider is Google Ireland Limited, Gordon House, Barrow Street, Dublin 4, Ireland. The provider processes usage data (e.g. websites visited, interest in content, access times) in the USA.

The legal basis of the processing is Art. 6 para. 1 p. 1 lit. a DSGVO. The processing is based on consent. Data subjects may revoke their consent at any time by contacting us, for example, using the contact details provided in our privacy policy. The revocation does not affect the lawfulness of the processing until the revocation.

The legal basis for the transfer to a country outside the EEA are standard contractual clauses. The security of the data transferred to the third country (i.e. a country outside the EEA) is ensured by standard data protection clauses adopted in accordance with the review procedure under Article 93(2) of the GDPR (Article 46(2)(c) of the GDPR), which we have agreed with the provider.

We delete the data when the purpose for which it was collected no longer applies. Further information is available in the provider’s privacy policy at https://policies.google.com/privacy?hl=de.

3.7.7 Webflow

We use Webflow to create websites. The provider is Webflow, Inc., 398 11th St., Floor 2, San Francisco, CA 94103, USA. The provider processes usage data (e.g. websites visited, interest in content, access times) and meta/communication data (e.g. device information, IP addresses) in the USA.

The legal basis of the processing is Art. 6 para. 1 p. 1 lit. f DSGVO. We have a legitimate interest in setting up and maintaining a website and thus presenting ourselves to the outside world.

The legal basis for the transfer to a country outside the EEA are standard contractual clauses. The security of the data transferred to the third country (i.e. a country outside the EEA) is ensured by standard data protection clauses adopted in accordance with the review procedure under Article 93(2) of the GDPR (Article 46(2)(c) of the GDPR), which we have agreed with the provider.

We delete the data when the purpose for collecting it no longer applies. Further information is available in the provider’s privacy policy at https://webflow.com/legal/eu-privacy-policy.

3.7.8 Sentry

We use Sentry to monitor applications and track errors in applications or on websites. The provider is Functional Software, Inc, 132 Hawthorne Street San Francisco, CA 94107, USA. The provider processes usage data (e.g. websites visited, interest in content, access times), content data (e.g. entries in online forms) and meta/communication data (e.g. device information, IP addresses) in the USA.

The legal basis of the processing is Art. 6 (1) p. 1 lit. a DSGVO. We have a legitimate interest to adequately monitor the functionality of our applications. The processing is based on consent. Data subjects can revoke their consent at any time by contacting us, for example, using the contact details provided in our privacy policy. The revocation does not affect the lawfulness of the processing until the revocation.

The legal basis for the transfer to a country outside the EEA are standard contractual clauses. The security of the data transferred to the third country (i.e. a country outside the EEA) is ensured by standard data protection clauses adopted in accordance with the review procedure under Article 93(2) of the GDPR (Article 46(2)(c) of the GDPR), which we have agreed with the provider.

The data is deleted when the purpose for which it was collected no longer applies and there is no obligation to retain it. Further information is available in the provider’s privacy policy at https://sentry.io/privacy/.

3.7.9 Mongo DB Atlas

We use the Mongo DB Atlas cloud database. The provider is MongoDB, Inc, 3 Shelbourne Building, Crampton Avenue Ballsbridge, Dublin 4, Ireland (“MongoDB”). The data processing is based on our legitimate interests in the technically error-free and optimized provision of our services. The legal basis is therefore Art. 6 para. 1 p. 1 lit. f DSGVO. In the MongoDB database, we process the personal data specified under item 4.

3.7.10. Sendgrid

We use Sendgrid to send e-mails. The provider is Twilio, Inc, 375 Beale Street, Suite 300, San Francisco, CA 94105, USA (privacy policy: https://www.twilio.com/legal/privacy). The provider processes content, usage, meta/communication data and contact data in the USA.

The legal basis for sending order confirmations is Art. 6 para. 1 b) DSGVO. If emails are sent on the basis of consent, the consent is the legal basis according to Art. 6 para. 1 lit. a) DSGVO. The data will be deleted when the purpose of its collection has ceased to apply and there is no obligation to retain it. Further information is available in the provider’s privacy policy at https://www.twilio.com/legal/privacy.

3.7.11. Amazon Web Services (AWS Cloud)

We use AWS as cloud storage. The provider is Amazon Web Services EMEA Sàrl, Avenue John F. Kennedy 38, 1855 Luxembourg, Luxembourg. The provider processes IP addresses, profile pictures and documents uploaded by users in the EU. The legal basis of the processing is Art. 6 para. 1 p. 1 lit. f DSGVO. We have a legitimate interest in maintaining a modern and cost-effective hosting environment. The data is deleted when the purpose of its collection has ceased to apply and there is no obligation to retain it. Further information is available in the provider’s privacy policy at https://aws.amazon.com/de/privacy/.

3.7.12 SalesViewer®

This website uses SalesViewer® technology from SalesViewer® GmbH to collect and store data for marketing, market research and optimization purposes on the basis of the website operator’s legitimate interests (Art. 6 (1) (f) GDPR).

For this purpose, a javascript-based code is used to collect company-related data and the corresponding usage. The data collected using this technology is encrypted using a non-reversible one-way function (known as hashing). The data is immediately pseudonymized and not used to personally identify the visitor to this website.

The data stored as part of Salesviewer® will be deleted as soon as it is no longer required for its intended purpose and the deletion does not conflict with any statutory retention obligations.

You can object to the collection and storage of data at any time with effect for the future by clicking on this link https://www.salesviewer.com/opt-out to prevent the collection by SalesViewer® within this website in the future. In doing so, an opt-out cookie for this website will be placed on your device. If you delete your cookies in this browser, you must click this link again.

3.7.13 Albacross

We hereby inform you about the processing of personal data on behalf of Albacross Nordic AB (“Albacross”).

Information collected by the cookies set on your device that is considered personal data is processed by Albacross, a platform that provides visitor identification and ad targeting services and has offices in Stockholm and Krakow. The full contact details can be found below.

The purpose of processing the personal data is to enable Albacross to improve a service provided to us and our website (e.g., the “Intent” service) by including data in its database about companies. The Albacross database is used in addition to the “Intent Data” for targeted advertising purposes to businesses, and data is transferred to third-party data service providers for this purpose. For clarity, targeted advertising refers to companies, not individuals.

The data Albacross collects and uses for this purpose is information about the IP address from which you visited our website and technical information that enables Albacross to distinguish different visitors from the same IP address. Albacross stores the domain from form submissions to associate the IP address with your employer.

The legal basis for the processing is your consent pursuant to Art. 6 para. 1 lit. a DSGVO. You can revoke your consent at any time with effect for the future.

For detailed information about Albacross’ processing of personal data, please refer to Albacross’ privacy policy at https://albacross.com/privacy-policy/.

Albacross Nordic AB
Companyreg. no 556942-7338
Tegelbacken 4A
111 52 Stockholm, Sweden

www.albacross.com – contact@albacross.com

3.7.14 Calendly

We use Calendly to plan appointments. The provider is Calendly LLC, BB&T Tower, 271 17th St NW, Atlanta, GA 30363, USA. The provider processes usage data (e.g. websites visited, interest in content, access times), contact data (e.g. email addresses, telephone numbers) and master data (e.g. names, addresses) in the USA.

The legal basis for processing is Art. 6 para. 1 sentence 1 lit. a GDPR. Processing is carried out on the basis of consent. Data subjects can withdraw their consent at any time, e.g. by contacting us using the contact details provided in our privacy policy. The revocation does not affect the legality of the processing until the revocation.

The legal basis for the transfer to a country outside the EEA are standard contractual clauses. The security of the data transferred to the third country (i.e. a country outside the EEA) is ensured by standard data protection clauses adopted in accordance with the review procedure under Article 93(2) of the GDPR (Article 46(2)(c) of the GDPR), which we have agreed with the provider.

We delete the data when the purpose for which it was collected no longer applies. Further information can be found in the provider’s privacy policy at https://calendly.com/pages/privacy.

3.7.15 Amplitude

We use Amplitude for product analysis. The provider is Amplitude, Inc., located at 201 Third Street, Suite 200, San Francisco, CA 94103, USA. The provider processes usage data (e.g. websites visited, interest in content, access times) and meta/communication data (e.g. device information, IP addresses) in the USA.

The legal basis for the processing is Art. 6 para. 1 sentence 1 lit. a GDPR. The processing is carried out on the basis of consent. The data subject can withdraw their consent at any time, e.g. by contacting us using the contact details provided in our privacy policy. The revocation does not affect the lawfulness of the processing prior to the revocation.

The legal basis for transfer to a country outside the EEA is Standard Contractual Clauses. The security of the data transferred to the third country (i.e. a country outside the EEA) is ensured by standard data protection clauses adopted in accordance with the verification procedure referred to in Article 93(2) of the GDPR (Article 46(2)(c) of the GDPR) and which we have agreed with the provider.

The data will be deleted when the purpose for which it was collected has ceased to exist and there is no obligation to retain it. For more information, please refer to the provider’s privacy policy at https://amplitude.com/privacy


4. Data processing during the use of our product Ivy

4.1 Payment initiation

With regard to users of our digital Express Checkout Ivy, we process the following data in the context of registration and use in order to provide the service of our product to the customer:

  • Name,

  • Email address

  • Phone number

  • Address

  • Content/price of an e-commerce shopping cart.

As part of the Express Checkout, this personal data is forwarded to the respective merchant in order to execute the order. After entering the above data, the user selects their bank and is directed to one of several open banking infrastructure providers based on the best connectivity to that bank. The payment is approved at the bank and the user is then redirected back to Ivy. We only receive information as to whether the authentication of the payment was successful.

When selecting the respective bank, users have the option of saving the selected bank for future purchases. The selection is then saved for the next purchase at Ivy on the basis of the user’s consent in accordance with Art. 6(1)(a) GDPR.

In the case of an express checkout, we forward personal data to the respective retailer from whom the user was forwarded (e-mail address, cell phone number, name, address, shipping method).

The legal basis for the data processing described is consent obtained from the user (Art. 6 para. 1 p. 1 lit. a DSGVO), insofar as forwarding to third parties is concerned. Users can revoke consent at any time, e.g. by contacting hello@getivy.de. The processing of the data until the time of revocation remains lawful.

The processing of the remaining data is necessary for the execution of the contract concluded with users (Art. 6 para. 1 p. 1 lit. b DSGVO).

We delete the data when the account is deleted or when users request deletion and there are no retention rights or obligations to the contrary.

4.2 Account check

Ivy provides merchants with Account Checks for use over the Internet. Account Checks enable merchants to verify the IBAN and name of customers via Open Banking. Ivy acts exclusively as a technical service provider. We have therefore signed an order processing agreement with the respective merchant in accordance with Art. 28 GDPR.

4.3 Ivy on File

With regard to users of our Ivy on File product, we process the following data in the context of registration and and creating of a direct debit mandate and use in order to provide the service of our product to the customer:

  • Name,

  • IBAN

  • Payment Receiver
    Customer’s Bank

As part of the direct debit, this personal data is presented to the users bank to set up the direct debit mandate. The mandate and corresponding mandate details are made available to the merchant for subsequent direct debit charges in line with the payment terms agreed between the user and merchant and for communicating with the user about the mandate and charges per the direct debit scheme requirements.


5. Data processing on social media platforms

We are represented in social media networks in order to present our company and our services there. The operators of these networks regularly process their users’ data for advertising purposes. Among other things, they create user profiles from their online behavior, which are used, for example, to show advertising on the pages of the networks and elsewhere on the Internet that corresponds to the interests of the users. To this end, the operators of the networks store information on user behavior in cookies on the users’ computers. Furthermore, it cannot be ruled out that the operators merge this information with other data. Users can obtain further information and instructions on how to object to processing by the site operators in the data protection declarations of the respective operators listed below. It is also possible that the operators or their servers are located in non-EU countries, so that they process data there. This may result in risks for users, e.g. because it is more difficult to enforce their rights or because government agencies access the data.

When users of the networks contact us via our profiles, we process the data provided to us in order to respond to the inquiries. This is our legitimate interest, so that the legal basis is Art. 6 para. 1 p. 1 lit. f DSGVO.

5.1 Instagram

We maintain a profile on Instagram. The operator is Facebook Ireland Ltd, 4 Grand Canal Square, Grand Canal Harbour, Dublin 2, Ireland. The privacy policy is available here: https://help.instagram.com/519522125107875.

5.2 LinkedIn

We maintain a profile on LinkedIn. The operator is LinkedIn Ireland Unlimited Company, Wilton Place, Dublin 2, Ireland. The privacy policy is available here: https://https://www.linkedin.com/legal/privacy-policy?_l=de_DE. You can object to data processing via the settings for advertisements: https://www.linkedin.com/psettings/guest-controls/retargeting-opt-out.


6. Changes to this privacy policy

We reserve the right to amend this privacy policy with effect for the future. A current version is always available here.


7. Questions and comments

If you have any questions or comments regarding this privacy policy, please feel free to contact us using the contact information provided above.

1. Introduction

In the following, we inform about the processing of personal data when using

  • our website getivy.com

  • of our services within the scope of the product Ivy

  • of our profiles in social media.

Personal data is any data that can be related to a specific natural person, e.g. their name or IP address.

1.1. Contact details

The controller pursuant to Art. 4 (7) of the EU General Data Protection Regulation (GDPR) is Ivy GmbH, Sandstraße 33, 80335 Munich, Germany, e-mail: hello@getivy.de. We are legally represented by the Managing Directors (Geschäftsführer) Ferdinand Dabitz, Simon Wimmer, Peter Lieck, Joshua Becker.

Our data protection officer can be contacted via heyData GmbH, Schützenstraße 5, 10117 Berlin, www.heydata.eu, e-mail: datenschutz@heydata.eu.

1.2 Scope of data processing, processing purposes and legal basis

We detail the scope of data processing, processing purposes and legal bases below. In principle, the following come into consideration as the legal basis for data processing:

  • Art. 6 (1) p. 1 lit. a DSGVO serves as the legal basis for processing operations for which we obtain consent.

  • Art. 6 para. 1 p. 1 lit. b DSGVO is the legal basis insofar as the processing of personal data is necessary for the fulfillment of a contract, e.g. if a site visitor purchases a product from us or we perform a service for him.

  • This legal basis also applies to processing that is necessary for pre-contractual measures, such as inquiries about our products or services.

  • Art. 6 (1) p. 1 lit. c DSGVO applies if we fulfill a legal obligation with the processing of personal data, as may be the case, for example, in tax law.

  • Art. 6 (1) p. 1 lit. f DSGVO serves as the legal basis when we can invoke legitimate interests to process personal data, e.g. for cookies that are necessary for the technical operation of our website.

1.3 Data processing outside the EEA

Insofar as we transfer data to service providers or other third parties outside the EEA, adequacy decisions of the EU Commission pursuant to Art. 45 para. 3 GDPR guarantee the security of the data during transfer, insofar as these exist, as is the case, for example, for the UK, Canada and Israel.

If no adequacy decision exists (e.g. for the USA), the legal basis for data transfer is usually standard contractual clauses, i.e. unless we indicate otherwise. These are a set of rules adopted by the EU Commission and form part of the contract with the respective third party. According to Art. 46 para. 2 lit. b GDPR, they guarantee the security of data transfer. Many of the providers have issued contractual guarantees that go beyond the standard contractual clauses and protect the data beyond the standard contractual clauses. These are, for example, guarantees regarding the encryption of the data or regarding the obligation of the third party to inform the data subject if law enforcement agencies wish to access data.

1.4. Storage period

Unless expressly stated within the scope of this data protection declaration, the data stored by us will be deleted as soon as it is no longer required for its intended purpose and the deletion does not conflict with any statutory retention obligations. If the data is not deleted because it is required for other and legally permissible purposes, its processing will be restricted, i.e. the data will be blocked and not processed for other purposes. This applies, for example, to data that we must retain for reasons of commercial or tax law.

1.5 Rights of the persons concerned

Data subjects have the following rights vis-à-vis us with regard to the personal data concerning them:

  • Right to information,

  • Right to rectification or deletion,

  • Right to restriction of processing,

  • Right to object to processing,

  • Right to data portability,

  • Right to revoke consent given at any time.

Data subjects also have the right to complain to a data protection supervisory authority about the processing of their personal data. Contact details for the data protection supervisory authorities are available at https://www.bfdi.bund.de/DE/Service/Anschriften/Laender/Laender-node.html.

1.6 Obligation to provide data

In the context of a business relationship or other relationship, customers, interested parties or third parties only have to provide us with the personal data that is required for the establishment, implementation and termination of the business relationship or for the other relationship, or which we are legally obliged to collect. Without this data, we will usually have to refuse to conclude a contract or provide a service or will no longer be able to perform an existing contract or other relationship.

Mandatory information is marked as such.

1.7 No automatic decision-making in individual cases

In principle, we do not use fully automated decision-making in accordance with Article 22 GDPR to establish and implement a business relationship or other relationship. If we use these procedures in individual cases, we will provide separate information about this if this is required by law.

1.8 Making contact

When you contact us, e.g. by email or telephone, the data you provide us with (e.g. names and email addresses) will be stored by us in order to answer your questions. The legal basis for the processing is our legitimate interest (Art. 6 para. 1 sentence 1 lit. f GDPR) in answering inquiries addressed to us. We delete the data collected in this context after storage is no longer necessary or restrict processing if there are statutory retention obligations.

1.9 Customer surveys

From time to time, we conduct customer surveys to get to know our customers and their wishes better. We collect the data requested in each case. It is our legitimate interest to get to know our customers and their wishes better, so that the legal basis for the associated data processing is Art. 6 para. 1 sentence 1 lit. f GDPR. We delete the data once the results of the surveys have been evaluated.


2. Newsletter

Interested parties have the option of subscribing to a free newsletter. We process the data provided during registration exclusively for the purpose of sending the newsletter. Registration takes place by selecting the corresponding field on our website, by ticking the corresponding field in a paper document or by another clear action, whereby interested parties declare their consent to the processing of their data, so that the legal basis is Art. 6 para. 1 sentence 1 lit.a GDPR. Consent can be withdrawn at any time, e.g. by clicking on the corresponding link in the newsletter or by sending a message to the email address provided above. The processing of the data until revocation remains lawful even in the event of revocation.

Based on the consent of the recipients (Art. 6 para. 1 sentence 1 lit. a GDPR), we also measure the opening and click rate of our newsletters in order to understand which content is relevant for our recipients.

We send newsletters with the tools

  • SendGrid of the provider Twilio, Inc, 375 Beale Street, Suite 300, San Francisco, CA 94105, USA (privacy policy: https://www.twilio.com/legal/privacy). The provider processes content, usage, meta/communication data and contact data in the USA.

  • HubSpot of the provider HubSpot, Inc., 25 1st Street Cambridge, MA 0214, USA (privacy policy: https://legal.hubspot.com/de/privacy-policy). The provider processes content, usage, meta/communication data and contact data in the USA.


3. Data processing on our website

3.1 Note for website visitors from Germany

Our website stores information in the terminal equipment of website visitors (e.g. cookies) or accesses information that is already stored in the terminal equipment (e.g. IP addresses). Please refer to the following sections to find out what information this is in detail.

This storage and access takes place on the basis of the following provisions:

  • Insofar as this storage or access is absolutely necessary for us to provide the service expressly requested by website visitors on our website (e.g. to implement a chatbot used by the website visitor or to ensure the IT security of our website), it is carried out on the basis of Section 25 (2) no. 2 TTDSG.

  • Otherwise, this storage or access is based on the consent of the website visitor (Section 25 (1) TTDSG).

Downstream data processing is carried out in accordance with the following sections and on the basis of the provisions of the GDPR.

3.2 Informational use of the website

During the informative use of the website, i.e. when site visitors do not separately transmit information to us, we collect the personal data that the browser transmits to our server in order to ensure the stability and security of our website. This is our legitimate interest, so that the legal basis is Art. 6 para. 1 p. 1 lit. f DSGVO.

These data are:

IP address

● Date and time of the request

● Time zone difference to Greenwich Mean Time (GMT)

● Content of the request (specific page)

Access status/HTTP status code

● Amount of data transferred in each case

● Website from which the request comes

● Browser

● Operating system and its interface

● Language and version of the browser software.

This data is also stored in log files. They are deleted when their storage is no longer necessary, at the latest after 14 days.

3.3 Web hosting and provision of the website

Our website hosts Webflow. The provider is Webflow, Inc., 398 11th St., Floor 2, San Francisco, CA 94103, USA. In doing so, the provider processes the personal data transmitted via the website, e.g. content, usage, meta/communication data or contact data, in the USA. Further information can be found in the provider’s privacy policy at https://webflow.com/legal/eu-privacy-policy.

It is our legitimate interest to provide a website, so that the legal basis of the described data processing is Art. 6 para. 1 p. 1 lit. f DSGVO.

The legal basis for the transfer to a country outside the EEA are standard contractual clauses. The security of the data transferred to the third country (i.e. a country outside the EEA) is ensured by standard data protection clauses adopted in accordance with the review procedure under Article 93(2) of the GDPR (Article 46(2)(c) of the GDPR), which we have agreed with the provider.

3.4 Contact form

When contacting us via the contact form on our website, we store the data requested there and the content of the message.

The legal basis for the processing is our legitimate interest to answer inquiries directed to us. The legal basis for the processing is therefore Art. 6 para. 1 p. 1 lit. f DSGVO.

We delete the data accruing in this context after the storage is no longer required or restrict the processing if there are legal retention obligations.

3.5 Job advertisements

We post jobs that are available within our company on our website, on sites linked to the website, or on third-party websites.

The processing of the data provided as part of the application is carried out for the purpose of implementing the application process. Insofar as this is necessary for our decision to establish an employment relationship, the legal basis is Art. 88 (1) DSGVO in conjunction with Section 26 (1) BDSG. We have marked the data required to carry out the application process accordingly or refer to them. If applicants do not provide this data, we cannot process the application.

Further data is voluntary and not required for an application. If applicants provide further information, this is based on their consent (Art. 6 para. 1 p. 1 lit. a DSGVO).

We ask applicants to refrain from providing information on political opinions, religious beliefs and similarly sensitive data in their resumes and cover letters. They are not required for an application. If applicants nevertheless provide such information, we cannot prevent their processing as part of the processing of the resume or cover letter. Their processing is then also based on the consent of the applicants (Art. 9 (2) a DSGVO).

Finally, we process the applicants’ data for further application procedures if they have given us their consent to do so. In this case, the legal basis is Art. 6 para. 1 p. 1 lit. a DSGVO.We pass on the applicants’ data to the responsible employees in the HR department, to our order processors in the area of recruiting and to the employees otherwise involved in the application process.

If we enter into an employment relationship with the applicant following the application process, we delete the data only after the employment relationship has ended. Otherwise, we delete the data no later than six months after rejecting an applicant.

If applicants have given us their consent to also use their data for further application procedures, we will not delete their data until one year after receipt of the application.

We publish vacancies on the crew.work website. The provider is Crew.work SAS, Paris, France. The provider processes your application data under the conditions described in its privacy policy: https://www.crew.work/privacy-policy.

3.6 Booking appointments

Site visitors can book appointments with us on our website. For this purpose, we process meta or communication data in addition to the data entered. We have a legitimate interest in offering interested parties a user-friendly way to make appointments. The legal basis for data processing is therefore Art. 6 para. 1 sentence 1 lit. f GDPR. If we use a tool from a third-party provider for the agreement, the information can be found under “Third-party providers”.

3.7 Third-party providers

3.7.1 Typeform

We use Typeform for questionnaires and forms. The provider is Typeform S.L., 163 Carrer de Bac de Roda, Barcelona, Spain. The provider processes content data (e.g. entries in online forms) and meta/communication data (e.g. device information, IP addresses) in the USA.

The legal basis of the processing is Art. 6 para. 1 p. 1 lit. f DSGVO. We have a legitimate interest in retrieving information from customers and others in a simple and appealing way.

The legal basis for the transfer to a country outside the EEA are standard contractual clauses. The security of the data transferred to the third country (i.e. a country outside the EEA) is ensured by standard data protection clauses adopted in accordance with the review procedure under Article 93(2) of the GDPR (Article 46(2)(c) of the GDPR), which we have agreed with the provider.

The data is deleted when the purpose for which it was collected no longer applies and there is no obligation to retain it. Further information is available in the provider’s privacy policy at https://admin.typeform.com/to/dwk6gt.

3.7.2 Google Analytics

We use Google Analytics for analysis. The provider is Google Ireland Limited, Gordon House, Barrow Street, Dublin 4, Dublin, Ireland. The provider processes usage data (e.g. websites visited, interest in content, access times) and meta/communication data (e.g. device information, IP addresses) in the USA.

The legal basis of the processing is Art. 6 para. 1 p. 1 lit. a DSGVO. The processing is based on consent. Data subjects may revoke their consent at any time by contacting us, for example, using the contact details provided in our privacy policy. The revocation does not affect the lawfulness of the processing until the revocation.

The legal basis for the transfer to a country outside the EEA are standard contractual clauses. The security of the data transferred to the third country (i.e. a country outside the EEA) is ensured by standard data protection clauses adopted in accordance with the review procedure under Article 93(2) of the GDPR (Article 46(2)(c) of the GDPR), which we have agreed with the provider.

The data is deleted when the purpose for which it was collected no longer applies and there is no obligation to retain it. Further information is available in the provider’s privacy policy at https://policies.google.com/privacy?hl=de.

3.7.3 Google Optimize

For the optimization of our website we use the tool Google Optimize of the company Google Ireland Limited, Gordon House, Barrow Street, Dublin 4, Ireland, (“Google”). The tool is an integration to Google Analytics, processes the data from Google Analytics and helps to perform simple tests on the design and content of the website. More information about this can be found under the paragraph for Google Analytics in this Privacy Policy. The legal basis for data processing is Art. 6 para. 1 p. 1 lit. a DSGVO. The consent can be revoked at any time via the data provided on this contact page. The revocation does not affect the lawfulness of the processing until the revocation.

Further information on data processing can be found in the provider’s privacy policy at http://www.google.com/policies/privacy.

3.7.4 Hotjar

We use Hotjar for analytics. The provider is Hotjar Ltd, Dragonara Business Centre, 5th Floor, Dragonara Road, Paceville St Julian’s, STJ 3141, Malta. The provider processes usage data (e.g. websites visited, interest in content, access times) and meta/communication data (e.g. device information, IP addresses) in the EU.

The legal basis of the processing is Art. 6 para. 1 p. 1 lit. a DSGVO. The processing is based on consent. Data subjects may revoke their consent at any time by contacting us, for example, using the contact details provided in our privacy policy. The revocation does not affect the lawfulness of the processing until the revocation.

The data is deleted when the purpose for which it was collected no longer applies and there is no obligation to retain it. Further information is available in the provider’s privacy policy at https://www.hotjar.com/legal/policies/privacy/.

3.7.5 Weglot

We use Weglot for translations. The provider is Weglot, 138, rue Pierre Joigneaux in BOIS-COLOMBES (92270), France. The provider processes meta/communication data (e.g. device information, IP addresses) in the EU.

The legal basis of the processing is Art. 6 para. 1 p. 1 lit. f DSGVO. We have a legitimate interest in automatically translating information on our website.

The data is deleted when the purpose for which it was collected no longer applies and there is no obligation to retain it. Further information is available in the provider’s privacy policy at https://weglot.com/de/privacy/.

3.7.6 Google Tag Manager

We use Google Tag Manager for analysis and advertising. The provider is Google Ireland Limited, Gordon House, Barrow Street, Dublin 4, Ireland. The provider processes usage data (e.g. websites visited, interest in content, access times) in the USA.

The legal basis of the processing is Art. 6 para. 1 p. 1 lit. a DSGVO. The processing is based on consent. Data subjects may revoke their consent at any time by contacting us, for example, using the contact details provided in our privacy policy. The revocation does not affect the lawfulness of the processing until the revocation.

The legal basis for the transfer to a country outside the EEA are standard contractual clauses. The security of the data transferred to the third country (i.e. a country outside the EEA) is ensured by standard data protection clauses adopted in accordance with the review procedure under Article 93(2) of the GDPR (Article 46(2)(c) of the GDPR), which we have agreed with the provider.

We delete the data when the purpose for which it was collected no longer applies. Further information is available in the provider’s privacy policy at https://policies.google.com/privacy?hl=de.

3.7.7 Webflow

We use Webflow to create websites. The provider is Webflow, Inc., 398 11th St., Floor 2, San Francisco, CA 94103, USA. The provider processes usage data (e.g. websites visited, interest in content, access times) and meta/communication data (e.g. device information, IP addresses) in the USA.

The legal basis of the processing is Art. 6 para. 1 p. 1 lit. f DSGVO. We have a legitimate interest in setting up and maintaining a website and thus presenting ourselves to the outside world.

The legal basis for the transfer to a country outside the EEA are standard contractual clauses. The security of the data transferred to the third country (i.e. a country outside the EEA) is ensured by standard data protection clauses adopted in accordance with the review procedure under Article 93(2) of the GDPR (Article 46(2)(c) of the GDPR), which we have agreed with the provider.

We delete the data when the purpose for collecting it no longer applies. Further information is available in the provider’s privacy policy at https://webflow.com/legal/eu-privacy-policy.

3.7.8 Sentry

We use Sentry to monitor applications and track errors in applications or on websites. The provider is Functional Software, Inc, 132 Hawthorne Street San Francisco, CA 94107, USA. The provider processes usage data (e.g. websites visited, interest in content, access times), content data (e.g. entries in online forms) and meta/communication data (e.g. device information, IP addresses) in the USA.

The legal basis of the processing is Art. 6 (1) p. 1 lit. a DSGVO. We have a legitimate interest to adequately monitor the functionality of our applications. The processing is based on consent. Data subjects can revoke their consent at any time by contacting us, for example, using the contact details provided in our privacy policy. The revocation does not affect the lawfulness of the processing until the revocation.

The legal basis for the transfer to a country outside the EEA are standard contractual clauses. The security of the data transferred to the third country (i.e. a country outside the EEA) is ensured by standard data protection clauses adopted in accordance with the review procedure under Article 93(2) of the GDPR (Article 46(2)(c) of the GDPR), which we have agreed with the provider.

The data is deleted when the purpose for which it was collected no longer applies and there is no obligation to retain it. Further information is available in the provider’s privacy policy at https://sentry.io/privacy/.

3.7.9 Mongo DB Atlas

We use the Mongo DB Atlas cloud database. The provider is MongoDB, Inc, 3 Shelbourne Building, Crampton Avenue Ballsbridge, Dublin 4, Ireland (“MongoDB”). The data processing is based on our legitimate interests in the technically error-free and optimized provision of our services. The legal basis is therefore Art. 6 para. 1 p. 1 lit. f DSGVO. In the MongoDB database, we process the personal data specified under item 4.

3.7.10. Sendgrid

We use Sendgrid to send e-mails. The provider is Twilio, Inc, 375 Beale Street, Suite 300, San Francisco, CA 94105, USA (privacy policy: https://www.twilio.com/legal/privacy). The provider processes content, usage, meta/communication data and contact data in the USA.

The legal basis for sending order confirmations is Art. 6 para. 1 b) DSGVO. If emails are sent on the basis of consent, the consent is the legal basis according to Art. 6 para. 1 lit. a) DSGVO. The data will be deleted when the purpose of its collection has ceased to apply and there is no obligation to retain it. Further information is available in the provider’s privacy policy at https://www.twilio.com/legal/privacy.

3.7.11. Amazon Web Services (AWS Cloud)

We use AWS as cloud storage. The provider is Amazon Web Services EMEA Sàrl, Avenue John F. Kennedy 38, 1855 Luxembourg, Luxembourg. The provider processes IP addresses, profile pictures and documents uploaded by users in the EU. The legal basis of the processing is Art. 6 para. 1 p. 1 lit. f DSGVO. We have a legitimate interest in maintaining a modern and cost-effective hosting environment. The data is deleted when the purpose of its collection has ceased to apply and there is no obligation to retain it. Further information is available in the provider’s privacy policy at https://aws.amazon.com/de/privacy/.

3.7.12 SalesViewer®

This website uses SalesViewer® technology from SalesViewer® GmbH to collect and store data for marketing, market research and optimization purposes on the basis of the website operator’s legitimate interests (Art. 6 (1) (f) GDPR).

For this purpose, a javascript-based code is used to collect company-related data and the corresponding usage. The data collected using this technology is encrypted using a non-reversible one-way function (known as hashing). The data is immediately pseudonymized and not used to personally identify the visitor to this website.

The data stored as part of Salesviewer® will be deleted as soon as it is no longer required for its intended purpose and the deletion does not conflict with any statutory retention obligations.

You can object to the collection and storage of data at any time with effect for the future by clicking on this link https://www.salesviewer.com/opt-out to prevent the collection by SalesViewer® within this website in the future. In doing so, an opt-out cookie for this website will be placed on your device. If you delete your cookies in this browser, you must click this link again.

3.7.13 Albacross

We hereby inform you about the processing of personal data on behalf of Albacross Nordic AB (“Albacross”).

Information collected by the cookies set on your device that is considered personal data is processed by Albacross, a platform that provides visitor identification and ad targeting services and has offices in Stockholm and Krakow. The full contact details can be found below.

The purpose of processing the personal data is to enable Albacross to improve a service provided to us and our website (e.g., the “Intent” service) by including data in its database about companies. The Albacross database is used in addition to the “Intent Data” for targeted advertising purposes to businesses, and data is transferred to third-party data service providers for this purpose. For clarity, targeted advertising refers to companies, not individuals.

The data Albacross collects and uses for this purpose is information about the IP address from which you visited our website and technical information that enables Albacross to distinguish different visitors from the same IP address. Albacross stores the domain from form submissions to associate the IP address with your employer.

The legal basis for the processing is your consent pursuant to Art. 6 para. 1 lit. a DSGVO. You can revoke your consent at any time with effect for the future.

For detailed information about Albacross’ processing of personal data, please refer to Albacross’ privacy policy at https://albacross.com/privacy-policy/.

Albacross Nordic AB
Companyreg. no 556942-7338
Tegelbacken 4A
111 52 Stockholm, Sweden

www.albacross.com – contact@albacross.com

3.7.14 Calendly

We use Calendly to plan appointments. The provider is Calendly LLC, BB&T Tower, 271 17th St NW, Atlanta, GA 30363, USA. The provider processes usage data (e.g. websites visited, interest in content, access times), contact data (e.g. email addresses, telephone numbers) and master data (e.g. names, addresses) in the USA.

The legal basis for processing is Art. 6 para. 1 sentence 1 lit. a GDPR. Processing is carried out on the basis of consent. Data subjects can withdraw their consent at any time, e.g. by contacting us using the contact details provided in our privacy policy. The revocation does not affect the legality of the processing until the revocation.

The legal basis for the transfer to a country outside the EEA are standard contractual clauses. The security of the data transferred to the third country (i.e. a country outside the EEA) is ensured by standard data protection clauses adopted in accordance with the review procedure under Article 93(2) of the GDPR (Article 46(2)(c) of the GDPR), which we have agreed with the provider.

We delete the data when the purpose for which it was collected no longer applies. Further information can be found in the provider’s privacy policy at https://calendly.com/pages/privacy.

3.7.15 Amplitude

We use Amplitude for product analysis. The provider is Amplitude, Inc., located at 201 Third Street, Suite 200, San Francisco, CA 94103, USA. The provider processes usage data (e.g. websites visited, interest in content, access times) and meta/communication data (e.g. device information, IP addresses) in the USA.

The legal basis for the processing is Art. 6 para. 1 sentence 1 lit. a GDPR. The processing is carried out on the basis of consent. The data subject can withdraw their consent at any time, e.g. by contacting us using the contact details provided in our privacy policy. The revocation does not affect the lawfulness of the processing prior to the revocation.

The legal basis for transfer to a country outside the EEA is Standard Contractual Clauses. The security of the data transferred to the third country (i.e. a country outside the EEA) is ensured by standard data protection clauses adopted in accordance with the verification procedure referred to in Article 93(2) of the GDPR (Article 46(2)(c) of the GDPR) and which we have agreed with the provider.

The data will be deleted when the purpose for which it was collected has ceased to exist and there is no obligation to retain it. For more information, please refer to the provider’s privacy policy at https://amplitude.com/privacy


4. Data processing during the use of our product Ivy

4.1 Payment initiation

With regard to users of our digital Express Checkout Ivy, we process the following data in the context of registration and use in order to provide the service of our product to the customer:

  • Name,

  • Email address

  • Phone number

  • Address

  • Content/price of an e-commerce shopping cart.

As part of the Express Checkout, this personal data is forwarded to the respective merchant in order to execute the order. After entering the above data, the user selects their bank and is directed to one of several open banking infrastructure providers based on the best connectivity to that bank. The payment is approved at the bank and the user is then redirected back to Ivy. We only receive information as to whether the authentication of the payment was successful.

When selecting the respective bank, users have the option of saving the selected bank for future purchases. The selection is then saved for the next purchase at Ivy on the basis of the user’s consent in accordance with Art. 6(1)(a) GDPR.

In the case of an express checkout, we forward personal data to the respective retailer from whom the user was forwarded (e-mail address, cell phone number, name, address, shipping method).

The legal basis for the data processing described is consent obtained from the user (Art. 6 para. 1 p. 1 lit. a DSGVO), insofar as forwarding to third parties is concerned. Users can revoke consent at any time, e.g. by contacting hello@getivy.de. The processing of the data until the time of revocation remains lawful.

The processing of the remaining data is necessary for the execution of the contract concluded with users (Art. 6 para. 1 p. 1 lit. b DSGVO).

We delete the data when the account is deleted or when users request deletion and there are no retention rights or obligations to the contrary.

4.2 Account check

Ivy provides merchants with Account Checks for use over the Internet. Account Checks enable merchants to verify the IBAN and name of customers via Open Banking. Ivy acts exclusively as a technical service provider. We have therefore signed an order processing agreement with the respective merchant in accordance with Art. 28 GDPR.

4.3 Ivy on File

With regard to users of our Ivy on File product, we process the following data in the context of registration and and creating of a direct debit mandate and use in order to provide the service of our product to the customer:

  • Name,

  • IBAN

  • Payment Receiver
    Customer’s Bank

As part of the direct debit, this personal data is presented to the users bank to set up the direct debit mandate. The mandate and corresponding mandate details are made available to the merchant for subsequent direct debit charges in line with the payment terms agreed between the user and merchant and for communicating with the user about the mandate and charges per the direct debit scheme requirements.


5. Data processing on social media platforms

We are represented in social media networks in order to present our company and our services there. The operators of these networks regularly process their users’ data for advertising purposes. Among other things, they create user profiles from their online behavior, which are used, for example, to show advertising on the pages of the networks and elsewhere on the Internet that corresponds to the interests of the users. To this end, the operators of the networks store information on user behavior in cookies on the users’ computers. Furthermore, it cannot be ruled out that the operators merge this information with other data. Users can obtain further information and instructions on how to object to processing by the site operators in the data protection declarations of the respective operators listed below. It is also possible that the operators or their servers are located in non-EU countries, so that they process data there. This may result in risks for users, e.g. because it is more difficult to enforce their rights or because government agencies access the data.

When users of the networks contact us via our profiles, we process the data provided to us in order to respond to the inquiries. This is our legitimate interest, so that the legal basis is Art. 6 para. 1 p. 1 lit. f DSGVO.

5.1 Instagram

We maintain a profile on Instagram. The operator is Facebook Ireland Ltd, 4 Grand Canal Square, Grand Canal Harbour, Dublin 2, Ireland. The privacy policy is available here: https://help.instagram.com/519522125107875.

5.2 LinkedIn

We maintain a profile on LinkedIn. The operator is LinkedIn Ireland Unlimited Company, Wilton Place, Dublin 2, Ireland. The privacy policy is available here: https://https://www.linkedin.com/legal/privacy-policy?_l=de_DE. You can object to data processing via the settings for advertisements: https://www.linkedin.com/psettings/guest-controls/retargeting-opt-out.


6. Changes to this privacy policy

We reserve the right to amend this privacy policy with effect for the future. A current version is always available here.


7. Questions and comments

If you have any questions or comments regarding this privacy policy, please feel free to contact us using the contact information provided above.

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Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

Money,
at internet speed

PRODUCTS

Instant Payments

Borderless Accounts

Instant Payouts

INDUSTRIES

Crypto

Trading

Payment Service Providers

Global Marketplaces

INTEGRATION

Via Mollie

Via Praxis

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Via Payever

Guides

COMPANY

About

Careers

Press

Contact

Copyright © 2025 Ivy GmbH. All rights reserved.

Terms of Use

Imprint

Privacy

Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

Money,
at internet speed

PRODUCTS

Instant Payments

Borderless Accounts

Instant Payouts

INDUSTRIES

Crypto

Trading

Payment Service Providers

Global Marketplaces

INTEGRATION

Via Mollie

Via Praxis

Via API

Via Payever

Guides

COMPANY

About

Careers

Press

Contact

Copyright © 2025 Ivy GmbH. All rights reserved.

Terms of Use

Imprint

Privacy

Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

Money,
at internet speed

PRODUCTS

Instant Payments

Borderless Accounts

Instant Payouts

INDUSTRIES

Crypto

Trading

Payment Service Providers

Global Marketplaces

INTEGRATION

Via Mollie

Via Praxis

Via API

Via Payever

Guides

COMPANY

About

Careers

Press

Contact

Copyright © 2025 Ivy GmbH. All rights reserved.

Terms of Use

Imprint

Privacy

Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.