- Terms and Conditions
Copyright and Trademark Rights
The texts, images, graphics and the layout of this website displayed on this website are subject to copyright. Violations of this will be prosecuted both under civil and criminal law. Reproduction of all or part of this website is only permitted with the prior written consent of Without the Bank. The individual use does not authorize the transfer of content to third parties. Trademarks used on this website are protected and all rights are owned by the respective trademark owners.
Without the Bank can not be held liable for any loss or damage of any kind resulting from the use of this website or the inability to access it, be it due to system maintenance or any technical malfunction, or otherwise.
Without the Bank assumes no guarantee or liability for the completeness, accuracy and timeliness of the information provided on its website. It is your responsibility to independently review the content that is made available to you through this website and our services.
The sending and receiving of emails serves to speed up the communication and the preparation of general communication, business deals or the support of customer service. On the way from sender to recipient, e-mails could be read, falsified, lost or misdirected and delivered late. For these reasons, contracts and declarations of intent by e-mail can not be concluded effectively or deemed as handed over to our company. These statements and any legal notices will become effective only after written confirmation by you.
Any liability of our company for claims that could be based on communication by e-mail is excluded.
By accepting communication by email with our company you accept these conditions.
It is your responsibility to ensure that information and content that you download to your systems or otherwise select is checked for viruses or other destructive features.
3.Terms of Service Regarding Financial Information
The information on the websites of Without the Bank and publications published in our name are exclusively for private use. Without the Bank makes no representation that the information on these websites or in our publications is suitable or usable for other services and ancillary services.
For us, Without the Bank, the protection of your personal data is a very important concern. It is therefore natural for us to deal with your personal data in compliance with the applicable legal data protection provisions.
Data Collection and Processing When Visiting Our Website
As is usual with many websites, the retrieval of the individual web pages from our web servers and the web analytics software Google Analytics we use automatically collects and processes the following non-personal data:
Collection and Processing of Personal Data and Consent
We collect, process and use personal data such as your name, postal address, email address or other contact details only if they have been entered by you on the website and transmitted to us and to the extent that such collection, processing and use is permitted by law or covered by your consent.
Our site uses an order form for you to purchase information, products, and services. We collect your contact information (i.e., mail and e-mail addresses), financial information (i.e., credit card numbers), and demographic information (i.e., zip code and state). We use this contact information from the order form to send you a confirmation email for which you cannot opt out. We also use this information to send you your orders, as well as information about our company and products and special promotions. Your contact information is also used to get in touch with you when necessary for additional information to process or fulfill your order. Financial information that is collected is used to bill for products and services only. Financial information is not retained or stored as part of your shopping profile, so you must enter your credit card number each time you place an order. Unique identifiers are collected from Web site visitors to verify your identity and for use as account numbers in our record system. Demographic and profile data is also collected at our site. We use this data to help us improve our website and our product and service offerings.
In addition, if your prior consent is required for certain data collection, processing and use, such as service telephone calls and the use of our newsletter or our information e-mails, we will, of course, ask you for your consent beforehand at the corresponding section of our website ask. These declarations of consent are recorded by us and can be accessed by you at any time at the appropriate place on our website. We recommend that you print out the declarations of consent for your own documents. You are entitled to revoke your given consent at any time in whole or in part with effect for the future. Even such a revocation will be logged by us.
In compliance with GDPR, your data will be destroyed upon request.
- Data Processing
Personal data processed during a financial transaction, or inquiry may include:
- Identification data, e.g., names, addresses, telephone numbers, email addresses, business contact information;
- Personal characteristics, e.g., date of birth, country of birth;
- Professional information, e.g., employment and job history, title, representation authorities;
- Identifiers issued by public bodies, (if you are doing business with us as a vendor) e.g., tax identification number;
- Automatic logging
Our web servers automatically save every access or retrieval of a website or file belonging to our website temporarily in a log file. The following data is stored until its automated deletion after evaluation by the web analytics software Google Analytics we use:
- IP address of the requesting computer
- Name and URL of the called file
- Date and time of access
- Transferred amount of data
- Message if the retrieval was successful
- Identification data of the browser used and the operating system of the requesting computer
- URL of the referring web page, if access was via link, and additionally search term, if access was via search engine
- Name of your Internet access provider
Any data that can not be assigned to specific person(s) is not personal data. This data, or a transfer of this data does not automatically result in the creation of a personal user profiles. The processing of the data takes place exclusively for the purpose of enabling the use of the website (connection establishment), for internal system-related purposes such as technical administration and system security purposes and for the needs-based design and optimization of this website using our web analytics software Google Analytics.
Our web servers store so-called “cookies” in the memory of your browser, ie small text files with data that serve the technical session control, in particular the identification of the browser for the duration of the visit to the website. These cookies will be deleted automatically 120 days after your visit to our website. They facilitate the navigation through our website and allow us to optimize the website to your needs and anonymous evaluation of the general user behavior based on the number of visitors.
When you visit any of our websites, a cookie may be placed on your computer for a number of reasons, such as (a) to keep track of your shopping cart, (b) to recognize you when you return to our site, (c) to recognize whether a customer came to our site as a result of a promotion or advertisement with one of our partners sites or email campaign and (d) to track the sales made by customers referred to us from a 3rd party so that they can receive compensation under our affiliate program. If you choose to not have your browser accept cookies from withoutthebank.com websites, you may not be able to view all the text on the screens, or to experience a personalized visit, or to subscribe to certain service and product offerings on our sites.
We also collect anonymous visitor information about how you utilize our site, such as IP addresses, browser types (such as Internet Explorer, Safari, Mozilla, etc.), referring pages and pages visited. We use this information (a) to perform anonymous statistical analysis of Web page traffic patterns, (b) to administer our Website and servers, and (c) to improve our services.
This website uses Google Analytics, a web analytics service provided by Google Inc. (“Google”). Google Analytics uses so-called “cookies”, text files that are stored on your computer and that allow an analysis of the use of the website by you. The information generated by the cookie about your use of this website is usually transmitted to a Google server in the USA and stored there. However, if IP anonymisation is activated on this website, your IP address will be shortened by Google beforehand within member states of the European Union or other parties to the Agreement on the European Economic Area.
Only in exceptional cases will the full IP address be sent to a Google server in the US and shortened there. On behalf of the operator of this website, Google will use this information to evaluate your use of the website, to compile reports on website activity and to provide other services related to website activity and internet usage to the website operator. The IP address provided by Google Analytics as part of Google Analytics will not be merged with other Google data.
You can prevent the storage of cookies by a corresponding setting of your browser software; however, please note that if you do this, you may not be able to use all the features of this website to the fullest extent possible. In addition, you may prevent the collection by Google of the data generated by the cookie and related to your use of the website (including your IP address) as well as the processing of this data by Google by downloading the browser plug-in available under the following link and install (http://tools.google.com/dlpage/gaoptout?hl=en).
Google Remarketing and Google Conversion Tracking
Like many other websites, this website also uses the Google AdWords online advertising program and, as part of that, Google Conversion Tracking to measure which websites our ads work best on. Google AdWords sets a cookie on your computer if you’ve reached this website through a Google ad. These cookies lose their validity after 540 days and are not used for personal identification. If you visit certain pages of this website and the cookie has not yet expired, Google and we may recognize that you clicked on the ad and were redirected to this page. Each advertiser receives different cookies. Cookies can not be tracked through the websites of advertisers. The information obtained by using the conversion cookie is used to determine which visitors have triggered a specific action on our site through advertisements. We learn the total number of users who clicked on our ads, and which clicks resulted in an action. However, we do not receive any information that personally identifies a user. If you do not wish to participate in the tracking process, you can clear or disable the Google Conversion Tracking cookie from your Internet browser under User Preferences by setting your browser to block cookies from the domain “googleadservices.com”. You will not be included in the conversion tracking statistics.
The personal data collected as part of the use of this website will not be disclosed to third parties or transmitted in any other way. Exceptions to this are transfers of personal data to our data processors, government institutions and authorities, as well as private rightholders on the basis of legal regulations or judicial or regulatory decisions and the transfer to state institutions and authorities in the event of attacks on our legal interests for legal or criminal prosecution purposes. External service providers that we use to operate the website or to perform certain services on our website, process personal data exclusively on our behalf and are contractually obliged to comply with the applicable statutory provisions on data protection and data security. They are not considered third parties in terms of data protection law.
How We Protect Your Information
To prevent unauthorized access, maintain data accuracy and to ensure the appropriate use of information, we have put in place physical, electronic and managerial procedures to protect the information we collect online. We shall continue to take reasonable steps to provide effective data protection at all times, however, no security technology can provide invulnerability to information compromise. Therefore Without the Bank cannot, and does not, guarantee the security of any information that you transmit to us or to any third party affiliated with the Site. It is important for you to protect against unauthorized access to your password and to your computer. Be sure to sign off when finished using a shared computer.
- Your rights
Information and Information Rights
We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.
We reveal only the last four digits of your credit card numbers when confirming an order. Of course, we transmit the entire credit card number to the appropriate credit card company during order processing. It is important for you to protect against unauthorized access to your password and to your computer. Be sure to sign off when finished using a shared computer.
We only collect and hold your email address in order to send information and services you have specifically requested and to notify you of new developments, products, services, trainings, events and occasional recommendations for organizations that we feel offer products or services that our customers might find useful. You can unsubscribe at any time. If we send you an email, it will contain an opt-out link which you can click to have your name removed from our email list.
If you supply us with your contact information online (postal address, telephone and cell phone numbers, etc.) online, you may receive periodic mailings, calls, text messages, etc. from us with information on new products and services or upcoming events.
Conditions of Use, Notices and Revisions
If you choose to visit Without the Bank, your visit and any dispute over privacy is subject to this Notice and our Conditions of Use, including limitations on damages, arbitration of disputes, and application of the law of the state of North Dakota. Our business changes constantly. This Notice and the Conditions of Use will change also, and use of information that we gather now is subject to the Privacy Notice in effect at the time of use.
Our Sites are not directed to children under the age of 13 and we will not knowingly collect personally identifiable information from children under 13. We strongly recommend that parents participate in their children’s exploration of the internet and any online services and use their browser’s parental controls to limit the areas of the internet to which their children have access.