Privacy Policy

Personal Finance (privat-økonomi.dk) is owned and operated by:

Kå ApS
Sortevej 21B, 8543 Hornslet
CVR: 44376504
Phone: +45 23 90 51 57
Email: kontakt@privat-økonomi.dk

The terms and conditions below apply to Personal Finance’s processing of your personal information.

When you use the digital tool at www.privat-økonomi.dk (the “Tool”), you provide Personal Finance with certain personal information so that the Tool can function as effectively as possible and provide you with the most relevant information.

1. Introduction

1.1 This Privacy Policy (“the Policy”) describes how Kå ApS (“us,” “we,” or “our”), in our capacity as data controller, collects and processes your personal information in connection with the purchase of services, membership, products, or general use of our website.

1.2 This policy has been formulated and made available to comply with the General Data Protection Regulation (2016/679 of April 27, 2016) (“GDPR”) and its provisions regarding the duty to provide information.

2. Types of Personal Data Processed

2.1 We process personal information about you when it is relevant and in accordance with applicable law. Depending on the specific circumstances, the personal information processed may include the following types of personal information:

a) Name
b) Email
c) Salary (if specified in the system)
c) Purchase history
d) billing and accounting documents
e) account status (balance, customer points, etc.)
f) customer number

2.2 We process the information you enter using the Tool when you register as a user on Personal Finance.

2.3 We collect personal information directly from you. When you use the digital tool at www.personalfinance.dk, you provide Kå ApS with certain personal information so that the tool can function as effectively as possible and provide you with the most relevant information.

2.4 If we need to collect and process personal information in addition to what is specified above, we will provide notice at the time of collection. Such notice may also be provided through an update to this Policy.

3. Purpose of the Processing of Personal Data

3.1 We process your personal data only if we have a legitimate purpose and, in such cases, in accordance with the provisions of the GDPR. Depending on the circumstances, personal data may be processed for the following purposes:

a) To provide or offer services or products to users, customers, or members.
b) To respond to inquiries and/or complaints from users, customers, or members.
c) To improve our products, services, or website.
d) To send newsletters via email.
e) To provide support and service notifications, including responding to questions or complaints and sending updates about our products and services.
f) To send direct marketing to users, customers, or members (such as emails, MMS messages, direct messages on social media, etc.).
g) To retain personal data to the extent required by applicable law, such as the retention of accounts and bookkeeping records.
h) To provide service notifications and information to users, customers, or members.

4.1 We process your personal data only when we have a lawful basis for processing in accordance with the GDPR. The processing of personal data is carried out, depending on the specific circumstances, based on the following legal grounds for processing:

a) The processing is necessary for the purposes of a legitimate interest, except where such interests are overridden by the data subject’s interests or fundamental rights and freedoms that require the protection of personal data, cf. Article 6(1)(f) of the GDPR.
b) The basis for processing the specific personal data is your consent, see Article 6(1)(a) of the GDPR. You may withdraw your consent at any time by contacting us using the contact information provided at the top of this Policy. If you withdraw your consent, the personal data processed on the basis of that consent will be deleted, unless it can or must be processed, for example, to comply with a legal obligation.
c) The processing is necessary to comply with applicable law, see the GDPR, Article 6(1)(c).

4.2 If we send you direct marketing, including via email, we will ask for your prior consent in accordance with the applicable provisions of the Marketing Act.

5. Disclosure and Transfer of Personal Information

5.1 We only disclose personal information to others when permitted or required by law, including when it is relevant and upon your specific request or that of the data controller, if applicable.

5.2 We disclose personal data to the following recipients in the EU/EEA:
a) Government agencies
b) SKAT (in connection with bookkeeping, etc.)

6. Deletion and Retention of Personal Information

6.1 We ensure that personal data is deleted when it is no longer relevant to our processing purposes as described above. We always retain personal data for the period required by applicable law, including for the purpose of documenting compliance with, among other things, the provisions of the Danish Bookkeeping Act. If you have any questions regarding the storage and processing of personal data, please feel free to contact us at the email address provided in the last section of this Policy.

7. Your Rights

7.1 As a registered individual, you have a number of rights:

7.1.1 You have the right to request access to the personal information we process about you, the purpose of the processing, and whether we disclose that personal information to others.

7.1.2 You have the right to have inaccurate personal information about you corrected.

7.1.3 In certain cases, you have the right to have certain personal data about you deleted.

7.1.4 In certain cases, you have the right to restrict the processing of your personal data so that we only retain your personal data for a specified period of time.

7.1.5 In certain cases, you have the right to object to our processing of your personal data based on reasons and circumstances related to your specific situation. An objection may be based on the processing of personal data for direct marketing purposes.

7.1.6 You have the right not to be subject to an automated decision made without human intervention, unless the decision is necessary for your employment with us, or the decision is authorized by law or your explicit consent.

7.1.7 If we have obtained your consent for part of our processing of your personal data, you have the right to withdraw your consent at any time. If you choose to withdraw your consent, this will not affect the lawfulness of the processing based on your consent prior to the withdrawal.

7.1.8 In certain cases, you have the right to so-called data portability with respect to the personal information you have provided to us.

7.1.9 You can always file a complaint with the Danish Data Protection Agency.

7.2 There may be conditions or limitations on these rights. Therefore, you may not necessarily have the right to data portability in a specific case—this depends on the specific circumstances surrounding the processing activities.

7.3 You can find more information about your rights as a data subject on the Danish Data Protection Agency’s website: https://www.datatilsynet.dk/borger/hvad-er-dine-rettigheder

7.4 Please use the contact information above if you wish to exercise your rights.

8. Changes to This Policy

8.1 We reserve the right to update and amend this Policy. If we amend the Policy, we will update the date and version at the bottom of the document. In the event of significant changes, we will notify you by posting a prominent notice on our website, via email, or through other means of communication.

9. Contact Information

9.1 Please feel free to contact us at the email address listed above if you:

a) disagree with our processing or believe that our processing of your personal data violates the law
b) have questions or other comments regarding this Policy, or
c) wish to exercise one or more of your rights as a data subject.

This policy was last updated on March 29, 2024