• Data Protection Statement

    Version from the 1st of January 2020, valid until revoked

    1. Privacy Statement

    1.1. General

    Moneyhouse attaches great importance to the protection of personal rights within the scope of use. This privacy policy informs you of how Neue Zürcher Zeitung AG (hereinafter referred to as «we») handles your personal data (hereinafter also referred to as «your data»). We attach great importance to the protection of the privacy rights of the users (hereinafter «user» or «you») of our products, comply with the applicable data protection regulations and take the necessary steps to protect your data.

    Third party websites accessible via our website are not subject to the data protection regulations set out here. We accept no responsibility or liability for compliance by third party websites with data protection regulations.

    1.2. Data processing and uses

    1.2.1. General

    «Personal data» is all personal information relating to an identified or identifiable person. This includes e.g. contact information such as name, phone number, address or email address and other information that you provide to us, for example when registering, as part of an order or during participation in competitions or surveys etc.

    «Processing» or «editing» means any handling of personal data, in particular, the collection, storage, management, use, dissemination, disclosure or deletion of your data.

    Your data will only be used for those purposes communicated to you in this Privacy Statement. We will take the measures necessary to ensure that your personal data is protected against loss, theft and misuse.

    As a result, we will inform you of the situations in which we collect information about you, what data of yours we process, the purposes for which we use it and to whom it may be disclosed if necessary. We will also tell you what rights you may enforce as against us in relation to your data, and how to enforce them.

    Your data may also be exchanged between certain companies in the NZZ media group and used by these companies for the purposes mentioned in this Privacy Statement.

    1.2.2. Non-anonymous users

    During the registration process, when ordering a membership or other product, when registering for a newsletter and/or other products and services, we collect personal information from you such as your first and last name, address, email address, payment details and any other data required such as phone numbers in addition to all of the data voluntarily entered by registered users in their user profiles. Your information may also be augmented with acquired third-party data.

    We use this information to fulfil the contractual relationship entered into, to enable and to verify your access to the products and contractual use of the products, to provide a personalised view of your account, to process queries through the contact form on our website, to send newsletters and to notify and/or publicise the winners of contests and competitions. In addition, as a condition for access to online products, data on individual usage patterns is collected and evaluated in order to improve our products. Your data will also be used for customer care, marketing purposes (including for customer recovery) as well as advertising tailored to you and for the customised design of same (e.g. pop-ups).

    The online transmission of personal data between the user’s browser and the servers of the NZZ media group is encrypted using the HTTPS protocol. To enable the functionality of this encryption technology, the user is required to use the latest version of one of the common browsers.

    1.2.3. Anonymous users of our websites

    When you visit our websites, we and third parties collect, save and use data from registered and non-registered users using so-called «cookies» and similar technologies. These are text files that are stored on the user’s system and which enable analysis of the use of the products. This technology makes it possible to recognise individual users as (returning) visitors and to offer them customised services and products. In general, cookies are used to improve our services and make them more effective and secure. Such cookies may also be required to use shopping baskets or payment functions. Users of our websites may prevent the storage of cookies by choosing «do not accept cookies» in their browser settings. However, this may impede the functionality of the products and make it difficult to optimise online services for users. Use of our digital products and services is also measured and evaluated using a range of technical systems, predominantly those of third parties, such as Google AdWords, Google Analytics and similar programs. These measurements may be carried out both anonymously or on a personalised basis.

    The aforementioned technologies are used in particular to analyse the browsing habits of users and audience measurement. Audience measurement can determine how many people can be reached with the advertisement of an advertiser. The information collected by such technologies can also be used for marketing purposes, to improve products and the website, to analyse user behaviour, deliver targeted advertising formats and for the customisation of same (e.g. using pop-ups).

    1.3. Disclosure of personal data to third parties

    Moneyhouse does not disclose personal data to third parties unless this is required by law or ordered by a court decision. Excluded from this is disclosure to third parties

    a) for the legal protection of users;

    b) to comply with legal requirements or at the request of authorities;

    c) to defend and protect the rights of Moneyhouse;

    d) to comply with the terms and conditions of use or data protection regulations;

    e) to resolve technical difficulties with the products;

    f) to cooperate with service partners who require the transmission of data to process the order. In such cases, disclosure of data is restricted to the minimum necessary for the task to be carried out. Particularly in connection with the execution of contracts for paid-for products, credit card details are forwarded to the relevant credit card company;

    g) for cooperation with service partners who are assisting Moneyhouse, particularly in the field of marketing.

    h) to cooperate with service partners, some of whom are overseas, to ensure the operation of the various Moneyhouse services. Only the minimum data required is forwarded in this case.

    We work with a limited number of trusted external service partners who have been carefully selected by us and who meet strict privacy and security standards. Data is only disclosed to service partners to the extent necessary for the provision of the services offered. In the event of a sale, merger or other reorganisation of some or all of the assets of our company, personal data may be transmitted, transferred, sold or otherwise shared with third parties in the course of this transaction or reorganisation.

    1.4. Transnational disclosure

    If necessary and appropriate for the data processing described in this Privacy Statement, we may transfer your personal data to third parties abroad. If data protection in the relevant country is not of an adequate standard, we will contractually assure that the protection of your personal data is up to standard. We will provide this assurance by agreeing EU standard contractual clauses with the relevant company, by verifying that the relevant company is certified in accordance with Swiss-US or EU-US Privacy Shield (if the data receiver is based in the United States or stores the data there) and/or by the presence of binding corporate rules (BCR) in the relevant companies recognised by a European data protection authority.

    1.5. Plug-ins and other integrated third-party services

    Our digital products and services are connected in many ways with the functions and systems of third parties, such as through the integration of third party social network plug-ins or when you visit our presence on third-party websites (e.g. Facebook etc.). If you have a customer account with these third parties, it is also possible in certain circumstances for these third parties to measure and evaluate your use of our digital products and services. This may involve the transmission of other personal data, such as IP address, personal browser settings and other parameters to third parties and storage by them. We have no control over the use of personal data collected by third parties in this way and do not assume any responsibility or liability.

    1.6. Legal basis for the processing of data

    We will always process your personal data in accordance with the applicable data protection regulations. This contractual relationship provides the legal basis for the processing of personal data for the fulfilment of a contractual relationship. This also applies to processing necessary to conduct pre-contractual activities.

    The relevant legal obligation provides the legal basis for data processing operations required to fulfil a legal obligation. For further processing, we rely on our overriding interest in optimising our products and services to the needs of our customers and in continuously improving and carrying out marketing activities so as to offer you the right products or services, and to show you advertising that is relevant for you. This is an important basis for the financing and development of our products and services. To achieve these interests, the processing of personal data as described by us is necessary. However, we have taken measures by which we can reduce the impact of data processing for our users.

    We also have weighed our interest as against the interests of our users, and have come to the conclusion that our data processing does not excessively impact on the interests or fundamental rights of our users and that our interests in this data processing accordingly takes precedence. If you take a different view in this regard, you may at any time object to this data processing to the extent legally permitted by the law (see paragraph 1.8 and 1.9). In cases where we obtain consent for data processing, this consent serves as the legal basis.

    1.7. Retention period

    We use and retain your data only for as long as is necessary according to the relevant processing purpose or where there is another legal basis for it. We retain data that we possess on the basis of a contractual relationship with you for at least as long as the contractual relationship is in existence and the limitation periods for possible claims by us are running or there are legal or contractual obligations in existence.

    1.8. Your rights

    1.8.1. Right to rectification

    You have the right at any time to demand that we rectify incorrect data or complete incomplete data about you in our systems.

    1.8.2. Right to erasure and access to personal data

    Moneyhouse will send the user a statement of the personal data stored on moneyhouse.ch free of charge. Requests for this purpose, including a copy of an official ID, must be sent to the following address:

    Moneyhouse, Neue Zürcher Zeitung AG, Falkenstrasse 11, CH-8008 Zürich, or by email.

    After examining the request for information, the statement of personal data will be sent by post within a maximum of 30 days, as required by law. Requests for information that we cannot process ourselves will if required be sent to the contractual partner responsible. In the event of multiple requests within a period of 12 months, a charge for expenses will be levied.

    The display of private data not entered in the commercial register may be deleted entirely at Moneyhouse. This will remove your personal data from Moneyhouse in its entirety.

    Moneyhouse operates an independent database. For privacy reasons, any erasure requests previously sent to other databases must be sent to Moneyhouse again.

    1.8.3. Right to object

    You have the right to object to the processing of your personal data, which you can enforce against us (for more detail, refer to paragraph 1.9).

    1.8.4. Right to data portability

    Where applicable, you may also enforce your right to data portability.

    1.8.5. Withdrawal of consent

    You may withdraw your consent to data processing at any time with future effect. In the event of withdrawal, we can no longer in the circumstances provide you with customised use of free and/or paid-for products.

    1.8.6. Right to lodge a complaint

    Where applicable, you have the right to lodge complaints with the relevant supervisory authorities regarding data processing. You can do this with the supervisory authority at your place of residence, workplace or at the place of the alleged privacy infringement.

    1.9. Objection

    You have the right to object to the processing of your personal data at any time in accordance with the legal provisions.

    Anonymous users

    If you no longer want retargeting to be carried out when you visit our website as a user without being registered or logged in – i.e. anonymously – it is unfortunately not possible for us to implement this setting, as we cannot make the connection between an anonymous user of our websites and a person registered with us. However you can prevent this retargeting yourself by selecting «do not accept cookies» in your browser settings and preventing the storage of cookies required for retargeting.

    If you no longer want us to carry out the processing of your personal data specified in paragraph 1.2.3, we ask that you do this in accordance with the instructions in the description of the relevant data processing in paragraph 1.2.3.

    Registered/logged-in users

    If you no longer want targeted advertising when visiting our website as a registered and logged-in user, you can send an email to contact@moneyhouse.ch stating «No advertising targeting as a logged-in user». If you also do not want retargeting when visiting our website when you are not logged in, please proceed as set out in paragraph 1.2.3.

    Marketing measures

    If you do not want your personal data to be used for any marketing activities, you can send an email to contact@moneyhouse.ch stating «No marketing activities.»

    Dissemination within the group of companies

    If you do not want your personal data to be disseminated within the NZZ media group of companies, you can send an email to contact@moneyhouse.ch stating «No dissemination within the group of companies» or «No dissemination to [insert specific company of the NZZ media group of companies].

    Newsletter

    You may unsubscribe from a newsletter at any time through your account or the relevant link in the newsletter itself.

    1.10. Contact

    If you have questions or suggestions about data protection as implemented by us or NZZ media group, for information about your rights in accordance with paragraphs 1.8 and 1.9 or to enforce them, you can contact the Data Protection Officer of Moneyhouse at the following address:

    Moneyhouse
    Neue Zürcher Zeitung
    Datenschutz
    Falkenstrasse 11
    CH-8008 Zürich

    Email: contact@moneyhouse.ch

    1.11. Amendments

    We expressly reserve the right to amend this Data Protection Statement, at any time. If such amendments are made, we will publish them immediately on our website. It is your responsibility to inform yourself about the currently applicable version of the Data Protection Statement on our website. We therefore recommend that you consult this Data Protection Statement regularly.