Cookies Policy
This Cookies Policy explains how KapitalBalance uses cookies and similar technologies on kapitalbalance.com, and how you can control them in accordance with the General Data Protection Regulation (GDPR) and German data protection law.
1. Who We Are
KapitalBalance, Ballindamm 27, 20095 Hamburg, Germany, is the controller responsible for the processing of personal data collected through cookies on this website. If you have any questions about this policy or wish to exercise your data protection rights, please contact us at [email protected] or by phone at +49 40 709 5116.
2. What Are Cookies
Cookies are small text files that are stored on your device (computer, tablet, or smartphone) when you visit a website. They allow the website to recognise your device, remember your preferences, and provide information to the website operator about how the site is used. We also use similar technologies such as local storage and pixels, which are collectively referred to as "cookies" in this policy.
3. Legal Basis for Using Cookies
Under Section 25 of the German Telecommunications Digital Services Data Protection Act (TDDDG) and Article 6(1)(a) of the GDPR, we may only store non-essential cookies on your device and access information from it if you have given your prior, informed, and freely given consent. Essential cookies that are strictly necessary for the operation of the website do not require consent. You may withdraw your consent at any time with effect for the future by adjusting your preferences via our cookie banner or by deleting cookies in your browser settings.
4. Categories of Cookies We Use
4.1 Essential Cookies (Strictly Necessary)
These cookies are required for the website to function correctly and cannot be switched off. They include, for example, the cookie that stores your cookie consent choices so that we do not ask you again on every visit. Because these cookies are strictly necessary, they do not require your consent and cannot be disabled via the banner.
| Cookie Name | Purpose | Duration |
|---|---|---|
| kb_ck_01 | Stores your cookie consent preferences (essential, analytics, marketing). | 12 months |
4.2 Analytics Cookies
With your consent, we use analytics cookies to collect aggregated, statistical information about how visitors use our website — such as the number of visitors, the pages they visit, and the time they spend on the site. This helps us understand and improve the performance of the website. The data collected is used exclusively in pseudonymised or aggregated form wherever technically feasible and is never used to directly identify you.
4.3 Marketing Cookies
With your consent, marketing cookies may be set to measure the effectiveness of our marketing campaigns and to display relevant content. These cookies track your browsing behaviour across pages in order to build a profile of your interests. If you do not allow these cookies, you will experience less targeted content.
5. Third-Party Cookies
Some cookies on this website may be set by third-party providers that deliver services on our behalf, such as analytics providers or embedded content services. These third parties process data as independent controllers or as processors acting on our documented instructions, in accordance with Article 28 GDPR. Where data is transferred outside the European Economic Area, we ensure an adequate level of protection through appropriate safeguards, such as the European Commission's Standard Contractual Clauses.
Our website also loads fonts and icon libraries from third-party content delivery networks (Google Fonts, Font Awesome). When these resources are requested, your IP address is technically transmitted to the respective provider. We configure these services in a privacy-conscious manner, but we recommend reviewing the providers' own privacy policies for further details.
6. Your Consent and How to Manage It
When you first visit our website, a cookie banner appears that allows you to:
- Accept All — consent to essential, analytics, and marketing cookies;
- Reject Non-Essential — allow only strictly necessary cookies; or
- Save Preferences — individually enable or disable analytics and marketing cookies.
Your choice is stored for 12 months in the essential cookie kb_ck_01. You may change or withdraw your consent at any time by clearing this cookie in your browser settings, which will cause the banner to reappear on your next visit. Withdrawing consent does not affect the lawfulness of processing carried out prior to withdrawal.
7. Managing Cookies in Your Browser
In addition to our cookie banner, you can control and delete cookies through your browser settings. All major browsers allow you to block or delete cookies, either entirely or for individual websites. Please note that if you block essential cookies, parts of the website may no longer function correctly. Instructions for the most common browsers can typically be found in the "Help", "Privacy", or "Security" sections of the browser menu.
8. Data Subject Rights
Under the GDPR, you have the following rights with respect to personal data processed through cookies:
- Right of access (Article 15 GDPR) — to obtain confirmation of whether we process your data and a copy of that data;
- Right to rectification (Article 16 GDPR) — to correct inaccurate data;
- Right to erasure (Article 17 GDPR) — to request deletion of your data;
- Right to restriction of processing (Article 18 GDPR);
- Right to data portability (Article 20 GDPR);
- Right to object (Article 21 GDPR) — to processing based on legitimate interests;
- Right to withdraw consent (Article 7(3) GDPR) — at any time, with effect for the future.
To exercise any of these rights, please contact us at [email protected] or write to KapitalBalance, Ballindamm 27, 20095 Hamburg, Germany. We will respond to your request without undue delay and in any event within one month of receipt.
9. Right to Lodge a Complaint
If you believe that our processing of your personal data violates data protection law, you have the right to lodge a complaint with a supervisory authority, in particular in the member state of your habitual residence or place of work. For KapitalBalance, the competent authority is the Hamburg Commissioner for Data Protection and Freedom of Information (HmbBfDI), Ludwig-Erhard-Straße 22, 20459 Hamburg, Germany.
10. Data Retention
Cookies remain on your device for varying periods. Session cookies are deleted when you close your browser, while persistent cookies remain until they expire or are deleted by you. The retention periods for each cookie we set are listed in the table above. Aggregated analytics data derived from cookies is retained no longer than necessary for the stated statistical purposes.
11. Changes to This Cookies Policy
We may update this Cookies Policy from time to time to reflect changes in our use of cookies, legal requirements, or technological developments. The current version, including its last-updated date, is always available on this page. Significant changes will be highlighted on our website. This policy was last revised in January 2026.
12. Contact
If you have questions, comments, or requests regarding this Cookies Policy or our data protection practices, please contact:
KapitalBalance
Ballindamm 27, 20095 Hamburg, Germany
Email: [email protected]
Phone: +49 40 709 5116