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Privacy and Cookie Policy

Our website uses cookies. Further information on these cookies is set out below.
This Policy applies to cookies and refers to Ferratum Bank website. In the following Privacy Policy, we shall inform you about the collection, use and processing of personal data when using our website www.ferratumbank.com (hereinafter: "Website"), and our mobile web application (hereinafter: “Web App”).
In general, it is possible to use our Services without providing any personal data. Ferratum Bank only collects personal information which you have voluntarily provided either by entering this data via the relevant entry screen, or by e-mailing this data to us.
In some instances, we may send so-called cookies to be stored on your local hard drive.

Responsible authority

The authority responsible for the collection, processing and use of personal data within the context of the Data Protection Legislation is:

Ferratum Bank plc
Tagliaferro Business Centre
Level 6, 14 High Street
SLM 1551 Sliema, MALTA
Telephone: (+356) 20927700
Fax: (+356) 20927710
Email: customersupport@ferratumbank.com

1. What is a cookie?

Cookie is a text file sent by a website and stored on the user's device. The website does not have access to other files on the user's device. The contents of cookies does not allow for identification of the user.

2. Why are cookies used?

The website uses cookies to:

  • Produce statistics, which are used to optimize and modify the service provided by Ferratum in order to better adapt to the needs of users;
  • Maintain the website session;
  • Optimize the tools used on the website (e.g. calculators).

3. Types of cookies

The website uses the following cookies:

  • Session - are temporary and remain on your device until leaving the website or disabling the software (web browser)
  • Permanent - they are stored in the user device for the time specified in the parameters of the file or until deleted manually by the user
  • External entities cookies (third parties cookies) / Advertisement - files from e.g. servers, companies and service providers working with the owner of the website. These files allow one to customize advertising according to the preferences and habits of their users. They also allow one to evaluate the effectiveness of advertising (e.g. to count how many people clicked on the ad and went to the website).

4. The website may contain references to other websites which use their own privacy and cookie policies. We recommend that you familiarize yourself with each of these policies, because we do not assume any responsibility for the practices of these sites.


5. You may disable cookies in your browser configuration, however you may then be unable to use some or all, of our services.

Data collection in case of informational use of our Website and Web App

If you visit our Services purely for informational reasons (and do not open a current account with Ferratum Bank), we shall not collect any personal data, with the exception of the data which your browser or your end device transmits in order to enable your visit to our Website or Web App. Thereby, the following data will be transmitted to Ferratum Bank:

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
Volume of data transferred
Website (from which the request comes)
Browser
Operating system
Language and version of the browser software
Advertising Identifier (IDFA)

Additionally, using our Website and Web App, Cookies will be stored on your end device. You can find further information on ‘Cookies’ above in this privacy policy.

Google Analytics

To optimise its internet offer, Ferratum Bank uses Google Analytics and Google Tag Manager; web analysis services of Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA (hereinafter: "Google"). Google Analytics and Google Tag Manager also use ‘cookies’ : text files stored on your computer that enable us to analyse your use of our website.

The information the cookie produces about your use of this website (including your IP address) will be transferred to and stored on a Google server in the US. Google will use such information to analyse the use of the website, to compile reports on website activities for website operators and to offer further services related to the use of the website and the internet. Moreover, Google may transfer such information to third parties if this is legally required or if such third parties process the relevant information on Google's behalf. Google shall under no circumstances link your IP address to other data it possesses.

By using this website, you agree that the data collected about you may be processed by Google in the manner and for the purpose described above. You can prevent the storage of Cookies by configuring your browser software accordingly; however, we hereby point out that in this case you may not be able to use all functions of our Website fully. Furthermore, you can prevent the collection of the data generated by the Cookie related to your use of our Website (incl. IP address) by Google as well as the processing of these data by Google, by downloading and installing the browser plugin available via the following link: http://tools.google.com/dlpage/gaoptout?hl=de.


You can find more detailed information about this here: http://www.google.com/intl/de/analytics/privacyoverview.html (general information about Google Analytics and data protection).

We hereby point out that, on our Website, Google Analytics are expanded with the code "gat.anonymizeIp();" in order to guarantee an anonymised collection of IP addresses (so-called IP Masking).

Use of Adjust in our App

The mobile App of Ferratum Bank uses the Adjust usage statistics and analysis technology of adjust GmbH, Saarbrücker Str. 36, 10405 Berlin (hereinafter: "Adjust"). When you launch the Ferratum Bank app, Adjust collects installation and event data such as ‘app downloaded from iOS and Android mobile’ in order to help us to understand how users are interacting with our app and to optimize and analyse mobile ad campaigns. For such analysis, Adjust uses your anonymized (hashed) IDFA or Google Play Services ID, and your anonymized (hashed) IP- and MAC address. The hashes used are one-way hashes and it is not possible to identify you or your mobile device individually.

Social Plugins

1. Use of Facebook plugins

Plugins from the social network Facebook (Facebook Inc., 1601 Willow Road, Menlo Park, California, 94025, USA) are integrated in our Services. You can recognise the Facebook plugins from the Facebook logo or the "Like button" on our page. You can find an overview of the Facebook plugins here: http://developers.facebook.com/docs/plugins/.

If you visit our Services and click on the Facebook plugin, a direct connection will be established between your browser and the Facebook server. Facebook thereby receives the information that you have visited our site with your IP address. If you click on the Facebook "Like button" while you are logged into your Facebook account, you can link the contents of our pages to your Facebook profile. Thereby, Facebook can associate the visit to our Services with your user account. We hereby point out that as provider of the Services, we do not receive any information on the contents of the data transmitted or their use by Facebook. You can find further information about this in Facebook’s Privacy Policy at http://de-de.facebook.com/policy.php

If you do not want Facebook to be able to associate the visit to our Services with your Facebook user account, please log out of your Facebook user account.

2. Use of Twitter

Functions of the Twitter service are integrated in our Services. These functions are offered by Twitter Inc., Twitter, Inc. 1355 Market St, Suite 900, San Francisco, CA 94103, USA. By using Twitter and the "re-tweet" function, the websites visited by you are linked to your Twitter account and announced to other users. Data are thereby also transmitted to Twitter.

We hereby point out that, as provider of the Services, we do not receive any information on the contents of the data transmitted or their use by Twitter. You can find further information about this in Twitter’s Privacy Policy at http://twitter.com/privacy.

You can change your Twitter privacy settings in the account settings at http://twitter.com/account/settings.

3. Use of Instagram

Functions of the Instagram service are integrated in our Services. These functions are offered by Instagram Inc., 1601 Willow Road, Menlo Park, CA, 94025, USA (hereinafter: "Instagram"). If you are logged into your Instagram account, you can link the contents of our pages with your Instagram profile by clicking on the Instagram button. Thereby, Instagram can associate the visit to our Services with your user account. We hereby point out that as provider of the Services, we do not receive any information on the contents of the data transmitted and their use by Instagram.

You can find further information about this in Instagram’s Privacy Policy:http://instagram.com/about/legal/privacy/

Privacy Policy for the Use of LiveChat

LiveChat Inc. ("LiveChat") is a service that we utilise in order to connect our customers in the Ferratum Bank web-app with our customer support. In the process, LiveChat uses cookies. Further relevant information can be found in LiveChat's privacy policy at: https://www.livechatinc.com/privacy-policy/

How is my data processed or stored?

We process and store data collected via our website only for the purpose for which it was provided by clients or applicants. Applicants' data, for example, is used solely for the processing of applications and contacting applicants.

You may be invited to access or log in to your personal internet bank account while on the website. By accessing/logging in to your personal internet bank account from/through the Website, you grant Ferratum Bank access to all the data contained on such bank account/s and explicitly authorise Ferratum Bank to process such data within the meaning of the Data Protection Act, solely for the purpose of processing your application.

Disclosure of personal data

We disclose any data collected via our website only if this is necessary in order to process your enquiry. We do not disclose your data to third parties for any other purposes, such as market research or other types of marketing. However, Ferratum Bank reserves the right to use or disclose data where this proves necessary for the compliance with laws, regulations and legal requirements, particularly to protect the integrity of our website and to assist enforcement agencies in their investigations or any investigations regarding public safety.

Data security

Ferratum Group uses both technical and organisational security measures to protect all data collected via this website from accidental or intentional manipulation, loss, destruction or access by unauthorised persons. These security measures are continuously being improved in line with technological developments. Our staff is under special confidentiality obligations in accordance with law. Ferratum Bank also ensures adequate protection of any data stored.

Information, correction, deletion and revocation of personal data

You are entitled at any time to receive information free of charge about your stored personal data, its origin and recipient and the purpose of the data processing. Furthermore, you are entitled to the correction, blocking or deletion of your personal data according to the applicable law. Ferratum Bank hereby points out that corresponding additional documentation may be requested in order to authenticate a person before its issue, because personal data is not allowed to be issued to unauthorised persons.

If you have granted consent to use data, you may revoke this at any time with effect for the future. The revocation of consent may cause our services no longer to be unrestrictedly available to you or the user relationship to be terminated. It is hereby pointed out that in some cases, collection and storage of data regardless of consent may be required by applicable law. In such cases, we will discontinue any further processing and use of your personal data and delete or block them, insofar as we are not obligated under statutory provisions to continue to process or in particular to store them.

Please direct all requests for information, queries or revocations regarding data processing via email to customersupport@ferratumbank.com or in writing to the address specified here below.

Changes to our Privacy Policy & enquiries

From time to time, this Privacy Policy may require some adjustments. Ferratum Bank therefore recommends that you review this site periodically. However, any amendments to this Privacy Policy will have no retrospective effect and therefore no impact on the manner in which any data collected before the amendment was processed. If you have any questions regarding this Privacy Policy or any other questions regarding Ferratum Group's data processing, please contact us at:


Ferratum Bank plc
Tagliaferro Business Centre
Level 6, 14 High Street
SLM 1551 Sliema, MALTA
Telephone: (+356) 20927700
Fax: (+356) 20927710


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