Datenschutzerklärung

1. Einleitung

Diese Datenschutzerklärung erläutert, wie Lendermarket Limited („Lendermarket“, „wir“, „uns“, „unser“) Ihre personenbezogenen Daten („Daten“) erhebt, verwendet, offenlegt und schützt, wenn Sie www.lendermarket.com (die „Website“) besuchen oder unsere Investmentplattform sowie damit verbundene Dienstleistungen nutzen.
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Wir verpflichten uns, Ihre Daten rechtmäßig, fair und transparent zu verarbeiten, in Übereinstimmung mit:
• Datenschutz-Grundverordnung (EU) 2016/679 („DSGVO“)
• Data Protection Act 2018 (Irland)
• Schweizer Bundesgesetz über den Datenschutz (DSG) (CH)
• Verordnung (EU) 2020/1503 über europäische Schwarmfinanzierungsdienstleister
• Geldwäscherichtlinien (AMLD5/AMLD6)
• Sowie allen sonstigen anwendbaren Datenschutzgesetzen („Datenschutzgesetze“)
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Diese Datenschutzerklärung ist zusammen mit unserer Cookie-Richtlinie sowie weiteren spezifischen Datenschutzhinweisen zu lesen. Unsere Website und Dienstleistungen richten sich nicht an Kinder.
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2. Anwendungsbereich

Diese Datenschutzerklärung gilt für die Nutzung unserer Website, unserer Investmentplattform und aller damit verbundenen Dienstleistungen. Sie beschreibt, welche Daten wir erheben, wie wir sie verwenden und welche Rechte Ihnen zustehen.

This Privacy Policy supplements other notices and is not intended to override them.
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3. Verantwortlicher (Data Controller)

Verantwortlicher für die Verarbeitung Ihrer Daten ist:

Lendermarket Limited
77 Sir John Rogerson’s Quay, Block C, Grand Canal Docklands, Dublin 2, D02 VK60, Ireland
Firmenregisternummer: 585178

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4. Datenschutzbeauftragter (DPO)

Wir haben einen Datenschutzbeauftragten benannt, der die Einhaltung der Datenschutzgesetze überwacht:
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DPO: Tauri Jaanson
E-Mail: dpo@lendermarket.com
Telefon: +353 16 917 618

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5. Von uns erhobene Daten

Wir erheben Daten direkt von Ihnen, automatisch durch Ihre Nutzung der Website sowie von Drittanbietern wie KYC/AML-Dienstleistern.

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5.1 Personenbezogene Identifikationsdaten

• Vor- und Nachname
• Geburtsdatum
• Nationale Identifikationsnummer
• Steuerlicher Wohnsitz
• Kontaktdaten

5.2 Daten juristischer Personen

• Firmenname
• Registrierungsnummer
• Bankverbindung
• Angaben zu Vertretern
• Wirtschaftlich Berechtigten (>25 %)

5.3 Finanz- und Transaktionsdaten

• Investitionstätigkeit
• Portfoliodaten
• Kontostände und Transaktionshistorie

5.4 KYC/AML - und regulatorische Daten

• Identity documents (passport, ID card, proof of address)
• Sanktionsprüfungen und Investorenklassifizierung gemäß Crowdfunding-Verordnung

5.5 Technische und Gerätedaten
Collected automatically via cookies and similar technologies:

• IP-Adresse
• Browsertyp
• Device identifiers
• Operating system
• Session logs and clickstream data
• Consent ID from Usercentrics CMP

5.6 Kommunikationsdaten

• Formularangaben
• Kundensupport-Interaktionen
• Gesprächsnotizen

5.7 We Do Not Collect

• Special categories of personal data
• Criminal conviction data (unless required by AML law)

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6. Warum erheben wir Ihre Daten

We process your Data for the following purposes:

6.1 To Provide and Manage Your Account

• Registering and maintaining your account
• Enabling secure login
• Executing investments and processing transactions

6.2 To Comply With Legal and Regulatory Obligations
Including obligations under:

• AMLD5/AMLD6
• Crowdfunding Regulation
• Tax reporting laws
• Record-keeping requirements

6.3 To Ensure Platform Security and Prevent Fraud

• Monitoring access to digital channels
• Detecting suspicious activity
• Preventing unauthorised access
• Ensuring information security

6.4 To Improve Our Services

• System testing and performance monitoring
• Staff training
• Quality control
• Analytics and service optimisation

6.5 To Communicate With You

• Responding to enquiries
• Providing account updates
• Notifying you of changes to our services or policies

6.6 Marketing (With Your Consent)

• Sending newsletters and offers
• Personalising marketing content

You may withdraw consent at any time.

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7. Grundlage der Verarbeitung

We rely on the following legal bases:

7.1 Contract (Art. 6(1)(b) GDPR)
To provide our services, manage your account, and execute investments.

7.2 Legal Obligation (Art. 6(1)(c) GDPR)
To comply with obligations under:

• AMLD5/AMLD6
• Crowdfunding Regulation
• Tax and accounting laws
• Regulatory reporting and record-keeping

7.3 Legitimate Interests (Art. 6(1)(f) GDPR)
For purposes such as:

• Fraud prevention and platform security
• Service improvement and analytics
• Protecting our rights and ensuring business continuity

We balance these interests against your rights and freedoms.

7.4 Consent (Art. 6(1)(a) GDPR)
For:

• Marketing communications
• Non-essential cookies
• Optional information you provide voluntarily

You may withdraw consent at any time.

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8. Weitergabe Ihrer Daten

We treat your data as confidential. We share it only when necessary and in accordance with Data Protection Legislation.

8.1 Service Providers (Processors)
We use carefully selected third-party providers for:

• KYC/AML verification
• Payment processing
• Cloud hosting and IT infrastructure
• Analytics and consent management
• Fraud prevention and security
• Communications and customer support

All processors are bound by written contracts requiring confidentiality, security, and compliance with international transfer rules.

8.2 Controller-to-Controller Disclosures
In certain cases, we may share data with:

• Loan originator partners
• Regulators and authorities
• Financial institutions

These parties act as independent Data Controllers and have their own privacy notices.

8.3 Legal Requirements
We may disclose data where required to:

• Comply with law or legal process
• Protect our rights or property
• Protect the safety of users or the public

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9. Übertragungen außerhalb des europäischen Wirtschaftsraums

Where data is transferred outside the EEA, UK, or Switzerland, we ensure appropriate safeguards, including:

• 2021 Standard Contractual Clauses (SCCs)
• Transfer Impact Assessments (TIAs)
• Additional technical and organisational measures where required

You may request a copy of the relevant safeguards.

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10. Wie lange speichern wir Ihre Daten?

We retain data only for as long as necessary for the purposes for which it was collected.

Typical retention periods:

• KYC/AML records: 5–10 years
• Transactional and investment data: 10 years
• Marketing data: until consent is withdrawn
• Technical logs: 6–24 months

Retention periods may vary depending on legal, regulatory, and operational requirements.

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11. Links zu anderen Websites

Our Site may contain links to third-party websites. We are not responsible for their privacy practices. You should review their privacy policies before providing any data.

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12. Sicherheit

We implement appropriate technical and organisational measures, including:

• Multi-factor authentication
• Encryption in transit and at rest
• Access controls and role-based permissions
• Continuous monitoring and logging
• Regular penetration testing
• Vendor due diligence
• Incident response and breach notification procedures (GDPR Art. 33/34)

No system is completely secure, but we continuously improve our security measures.

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13. Deine Rechte

You have the following rights under GDPR:

• Access to your data
• Rectification of inaccurate data
• Erasure (“right to be forgotten”)
• Restriction of processing
• Data portability
• Objection to processing based on legitimate interests
• Objection to direct marketing
• Withdrawal of consent
• Right to lodge a complaint with any EU supervisory authority, including the Irish DPC

To exercise your rights, contact our DPO at dpo@lendermarket.com.

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14. Beschwerden

If you are unhappy with how we process your data, please contact our DPO.
You may also contact the Data Protection Commission (Ireland):

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E-mail: info@dataprotection.ie
‍Telephone: +353 (0)761 104 800‍
Postal Address: Canal House, Station Road, Portarlington, Co. Laois, R32 AP23.

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15. Änderungen unserer Datenschutzrichtlinie

We may update this Privacy Policy from time to time. Material changes will be communicated to you. The latest version will always be available on our site.

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16. Customer Support

For general support queries, you may contact us at support@lendermarket.com.
Support is available Monday to Friday, 09:00–17:00 (CET).