Personal data & cookie policy

Penning ("penning.dk", "we" or "us") have developed this personal data and cookie policy (the "personal data policy") to inform you about our policies and procedures regarding the collection, use, and disclosure of the information that we collect. and receive from users ("users", "you" or "you") of our website, mobile applications, and services (collectively "penning.dk").

This personal data policy applies to all users. When you use or gain access to penning.dk, you will be asked to give your consent to collect, process, use, store and pass on, in accordance with this personal data policy, any information or data that identifies you as an individual who you send or convey, through your use of penning.dk (“Personal Information”).

When you visit our website, we collect information about you which is used to personalize and improve our content and increase the value of the ads displayed on the page. Below we have elaborated on what information is collected, its purpose, and which third parties have access to it.

The website uses "cookies", which are text files stored on your computer, mobile or other. Similarly for the purpose of recognizing it, remembering settings, performing statistics, and targeting ads. Cookies may not contain malicious coding such as cookies virus. It is possible to delete or block cookies.

If you delete or block cookies, ads may become less relevant to you and appear more often. You may also run the risk of the website not working optimally and finding content not accessible to you.

To use penning.dk, you must accept this personal data policy, which includes all terms of service, account, and all reservations and conditions used on penning.dk. If you do not accept this personal data policy, you will not have access to use penning.dk, and must refrain from using all services that penning.dk offers.

All matters within penning.dk are for the exclusive use of adults, 18 years and over. We do not knowingly collect personal information from persons under 18 years of age. If you have any questions about our personal data policy, please contact us.

We may change or update portions of this Privacy Policy at any time without notice. We will indicate the effective date of the change upon the change, and the updated date displayed on the first page of these policies under the title identifies the date of the last update or revision.

Personal information is information that specifically identifies you. When using our services and services (cf. our KYC process), we will collect and store the following personal information:

• Full name
• Address
• Proof of addresse (for example copy of health insurance card)
• Pictured-ID (copy of passport and/or driver's license)

Personal information will be stored and done so for as long as you use our products and services, and as long as we are required by law, and in accordance with the GDPR. Other personal information we may collect and maintain includes contact and financial information such as your name, e-mail and physical addresses, telephone numbers, credit card numbers, and anything else that we find relevant for your approval of use of penning.dk’s services; demographic information including age, investment objectives, investment experience, assets and income group, account balances, and transaction history with us, our affiliates, or others; information from third-party providers such as consumer reporting agencies, including but not limited to information to help prevent and detect fraud and automated information that may be collected when you interact with penning.dk, sign up for newsletters, participate in contests or surveys, register as a user or subscriber, uses other services or contacts the website's customer service, either by personal contact or via the website's chat function etc., which may include but is not limited to: technical information such as your internet protocol address, geographical location, your computer's operating system and browser type, address on a referring site, if any, and the path you go through our web pages. It is always possible to withdraw consent for personal data processing and be informed of what data we have registered of you by contacting us.

We may use your personal information to process and manage your membership details, to communicate with you, to show you ads that are most relevant to you, to record your purchases and payments, and to provide the services you have requested, such as to submit a newsletter to give you opportunities and to keep you updated with new developments on penning.dk. However, we do not use ads that are not related to the website and business purposes. Ad types can be third-party media subscriptions or news related to the core business and the products from penning.dk.

We may also use and analyze the information we collect so that we may manage, support, improve and develop our business and we may contact you using the information you voluntarily provide. We do not pass on any confidential and personal information to anyone.

We have taken technical and organizational measures to prevent your information from being accidentally or illegally deleted, published, lost, weakened or in the knowledge of unauthorized persons accessed, misused or otherwise processed in violation of the law. All data collected during your visit is kept 100% anonymous with penning.dk, and will not at any given time be shared with a third party without your consent.

Storage period Information is stored for up to 2 years, and only as long as it is permitted under the European law and the common GDPR law, deleted when it is no longer necessary or relevant. The period depends on the nature of the information and the background of the storage.

Disclosure to third parties to the extent this information is already known to you. You can see which third parties are in section 2. Cookies above. The information is used to target advertising. We also use a number of third parties to store and process data. These process information solely on our behalf and may not use it for their own purposes. Disclosure of personal information such as name and email, etc. only happens if you give your consent. We only use data processors in the EU or in countries that comply with the data protection rules in the EU and where there is authority from the EU to process data in accordance with the rules.

You have the right to be told what personal information we process about you. You can also object to the use of information at any time. You can also revoke your consent to the processing of information about you and have your information deleted. If the information processed about you is incorrect, you have the right to have it corrected or deleted. Please contact: info@penning.dk