Privacy Policy.

With the following information, we would like to give you an overview of the processing of your personal data within the scope of the installation and usage of the "Stocard" mobile application (hereinafter referred to as app) and your rights from data protection laws.

Which data is processed and how this is used is based on if you use the app without explicit consent to this data protection statement (see section 2 a) to c)) or you have given consent to the processing of your personal data within the app (see section 2 d) to h)).

1. Who is responsible for data processing and who can I contact?

The responsible position is:

Stocard GmbH
Glücksteinallee 25
Quartier Hoch 4
68163 Mannheim

You can reach our data protection officer at:

Stocard GmbH
Data protection officer
Glücksteinallee 25
Quartier Hoch 4
68163 Mannheim
Email address:

2. What sources and data do we use?

In connection with the installation and usage of the app, we collect, process and use the data described below to find out which companies, products or other topics you are interested in and which information and offers from our partner companies are relevant for you to be able to use the functions of our app on this basis as needed and to provide you with the most relevant information and offers from our partner companies in the app.

If you use the app, we collect, process and use the following data for the previously listed purposes to fulfill our contractual obligations in terms of art. 6 para. 1 b GDPR or based on entitled interest in terms of art. 6 para. 1 f GDPR (this means interest in the analysis, optimization and efficient operation of our app):

We also use the previously listed data in an anonymized form for market research and to create anonymized statistics.

If you consent to the respective data processing within the scope of the app, we can process and use your data for the respectively specified purposes:

We process personal data in agreement with the regulations of the General Data Protection Regulation (GDPR) and the German Data Protection Regulation:

a) To fulfill contractual obligations (art. 6 para. 1 b. GDPR)

The processing of data occurs primarily to be able to provide the services and functions from our app.

b) Within the scope of the consideration of interests (art. 6 para. 1 f. GDPR)

If necessary, we will process your data beyond the actual fulfillment of the contract to preserve entitled interests from us or third parties, for example,

If you have given us express consent (opt-in) to process personal data for the respective purposes within the corresponding functions of the app (for example, application for a customer card from a partner, login to your user account from a card provider, delivery of personalized offers (so-called card-linked coupons), the legality of this processing (for example, forwarding the data to third parties) is given on the basis of your consent. Granted consent can be revoked at any time. This also applies to the revocation of declarations of consent that have been granted to us before the applicability of the GDPR, therefore before May 25, 2018. The revocation of consent does not affect the legality of the data processed until revocation.

4. How are third-party services integrated?

On the basis of our entitled interests in terms of art. 6 para. 1 lit. f. GDPR (this means interest in the analysis, optimization and efficient operation of our app), we use the following third-party services:

5. Who gets my data?

Other than the processing listed above, your personal data will be only be shared with your consent.

Within Stocard, only those who need access to your data to fulfill our contractual and legal obligations will also receive access to it.

With the express consent to this data protection declaration, you give us the consent to share your data as specified in section 2 d) - h) with the respective card provider or the respective partner company.

6. Will data be transmitted to a third party country or an international organization?

Data transmission to sites in states outside of the European Union (so-called third-party states) occurs provided that

If there are service providers in a third party state, they are additionally obligated to the written instructions through the agreement of the EU standard contract clauses or certification under the Privacy Shield to comply with the data protection level in Europe.

7. How long will my data be saved?

We process and save your personal data as long as it is required to fulfill our contractual and legal obligations. It must be considered that our business relationship is a continuing obligation that exists for years.

If the data is no longer required to fulfill contractual or legal obligations, it will be deleted regularly unless the limited further processing is required to preserve evidence within the scope of statutory limitation periods. According to §§ 195ff. of the Civil Code (BGB), these limitation periods can amount to up to 30 years, whereby the regular limitation period is 3 years.

8. What data protection rights do I have?

Every affected person has the right to information according to article 15 GDPR, the right to correction according to article 16 GDPR, the right to deletion according to article 17 GDPR, the right to limit processing according to article 18 GDPR, the right to opposition from article 21 GDPR as well as the right to data transmission from article 20 GDPR. With the right to information and deletion, the restrictions according to §§ 34 and 35 GDPR apply. Furthermore, there is a right to lodge a complaint to a responsible data protection supervisory authority (article 77 GDPR in connection with § 19 GDPR).

You can opt out of the granted consent for the processing of your personal data. This also applies to opting out of declarations of consent, which have been granted to us before the applicability of the General Data Protection Regulation, therefore before May 25, 2018. Please remember that the opt-out will only work in the future. Processing that has occurred before the opt-out will not be affected by this.

9. Is there an obligation to me providing data?

Within the scope of our business relationship, you have to provide personal data that is required for the beginning and execution of a business relationship and the fulfillment of the affiliated contractual obligations or for the collection of which we are legally obligated to. Without this data, we are normally not able to complete the contract with you or execute it.

10. What type of automated decision-making exists?

We do not use fully automatic decision-making in accordance with article 22 GDPR. Partial automatic decision-making is used for providing the payment services (see Section 12).

11. Is there profiling?

Some of your data from section 2 are processed in an automated manner (so-called profiling) with the objective of designing the app to meet demands or to be able to inform you in the app about products and offers from our partners. This permits us communication and advertising as needed in the app including market and opinion research on the basis of anonymous data.

12. Privacy Policy Specific to the Payment Services

The following information applies to the application and usage of the payment services in addition to the information listed above.

a) Data collection

We collect, process and use the data described below for the purpose of providing the payment services to you:

b) How we use your information

We may use your personal data to:

c) Third-parties

We use third-party services in order to provide the payment services to you and we may share some of the above data of yours with them:

c) Data retention period

Records of your identity checks and transactions will be retained for 10 years in order to fulfill our regulatory obligations.

d) Automated decision-making and profiling

We may process your personal data partially automated to assess if you pose a fraud, money laundering or terrorist financing risk in the following situations:

You have rights in relation to automated decision-making and profiling. Please contact our customer support if you want to know more about how we process your data.