Privacy Policies

(Germany – updated on: February 1st 2018)

Privacy Policies

  1. Consent to the use of your data
    1. BillPay checks whether your request for Purchase by Invoice, Purchase by Direct Debit or Purchase by Installment can be met, taking into account possible default risks, or in coordination with the merchant another payment method will be offered. To this end, after confirming your requested payment method, Purchase by Invoice, Direct Debit or Purchase by Installment, BillPay conducts its own identity- and credit check.
    2. By agreeing to this Privacy Policy, you agree that the merchant for the purpose of identity and credit check may transfer your data (first and last name, salutation, street, house number, postcode, city, date of birth, email address, telephone number and with regard to Purchase by Direct Debit the specified bank account, each personal information) as well as data related to your order (such as shopping cart, order history, payment experiences, IP address and in connection with your personal information also dates related to your Person) to BillPay . You agree that BillPay may store, process and use the personal information under this Privacy Policy.
    3. Further, you agree that BillPay or partner companies commissioned by BillPay may save and submit your personal information for purposes of identity and credit checks to credit reporting agencies (credit bureaus) and may obtain these information about you and, if necessary, credit information based on mathematical and statistical methods. Furthermore, you agree that BillPay or partner companies commissioned by BillPay may store your personal information in its own database and may use them for other counterparties where the latter has demonstrated to the satisfaction a legitimate interest in the disclosure of information pursuant to the Federal Data Protection Act in a particular case.
      This can be the following agencies:

      • CRIF Bürgel GmbH, Radlkoferstraße 2,
        81373 München, Tel.: +49 40 89803-0, Fax: -777/ 778
      • Creditreform Boniversum GmbH, Hellersbergstraße 11,
        D-41460 Neuss, Tel.: +49 (0)2131-109-501, Fax: -557
      • SCHUFA Holding AG, Kormoranweg 5, D-65201 Wiesbaden
        (Auskunft über die Sie betreffenden gespeicherten Daten erhalten Sie bei der SCHUFA Holding AG, Verbraucherservice, Postfach 5640, 30056 Hannover)
      • Regis24 GmbH, Wallstraße 58,
        D-10719 Berlin, Tel.: +49 (0)30 44350-240, Fax: -249
      • Bisnode Deutschland GmbH, Robert-Bosch-Straße 11,
        D-64293 Darmstadt, Tel.: +49 (0)6151 380-0, Fax: -360


      • CRIF GmbH, Diefenbachgasse 35/1,
        A-1150 Wien, Tel.: +43 (0)1 897 42 440, Fax: +43 (0)1 897 42 431
      • Bisnode Austria Holding GmbH, Geiselbergstraße 17,
        A-1110 Wien, Tel.: +43 (0)1 58861-0, Fax: +43 (0)1 58861-3444


      • CRIF AG, Hagenholzstrasse 81,
        CH-8050 Zürich, Tel.: +41 (0)44 913 50 58
      • Bisnode D&B Schweiz AG, Grossmattstrasse 9,
        CH-8902 Urdorf, Tel.: +41 (0)44 735 61 11, Fax: +41 (0)44 735 61 61
    4. BillPay is part of Klarna Group. Consequently, other Group entities, in particular Klarna Bank AB (publ), Sveavägen 46, 113 43 Stockholm, Sweden („Klarna“), may included in the credit assessment described above. As a result of this, to a limited extent, credit assessment findings may be shared with Klarna as a means of improving the outcome, and processed by Klarna for own future credit assessments. Inversely, the credit assessment and any decisions made on the basis of its results for further performance of the contract may, in some cases, be undertaken entirely by Klarna. In that event, the relevant positive and negative payment experiences will be transferred to Klarna and deleted after completion of the transaction.
    5. In special cases, if you have given your consent to the identity and credit check as well as to these privacy policies for all purchases in regard to respective stationary stores, you have the right to withdraw your consent at any time. For the withdrawal please see points 5 and 6 of these privacy policies.
    6. If you chose Purchase by Installment via BillPay, your data to enable the Purchase by Installment will be transmitted via deposit to the partner company GiroSolution AG, Hauptstraße 27, 88699 Frickingen, as well as processed, stored and used.
    7. By agreeing to this Privacy Policy, BillPay and partner companies commissioned by BillPay are entitled to store, use and process data on non- contractual behavior (e.g. undisputed outstanding debts) as well as transmit them to credit agencies. These messages may only be made according to the Federal Data Protection Act, to the extent permitted by balancing all the interests involved and in particular the reporting requirements pursuant to § 28a German Federal Data Protection Act have been met. The credit bureaus store and transmit the data to its contractual partners within the EU internal market in order to provide this information for assessing the creditworthiness of natural persons. SCHUFA’s contractual partners are primarily banks, credit card and leasing companies; beside the credit bureaus give information to trading, telecommunications and other companies that provide goods and services on credit. The credit bureaus only provide personal data if a legitimate interest thereon has been demonstrated to the satisfaction in the individual case. To determine debtors the credit bureau announces address data. In the provision of information to the contractual partners the credit bureaus may provide from their respective dataset calculated probability values for the assessment of credit risk (score method).
    8. All data transfers take place within the legally permissible and in consideration of your legitimate interests to the exclusion of the transmission or use. You can refer to the relevant agencies as well as to BillPay for information about the data stored concerning you.
  2. Other uses of your personal data
    1. BillPay is aware that the careful handling of your personal information is important to you. Therefore your personal data will in addition to the purposes of identity and credit checks be processed, used, stored and if necessary transmitted in accordance with the relevant data protection for the following purposes only:

      • Processing of payments for Purchases on Account and Purchase by Direct Debit or Purchase by Installment with BillPay (including dunning and collection procedures) as well as for the provision of customer service through the merchants connected to BillPay and/ or by us
      • Analysis of customer payment behavior (internal analysis of customer behavior and credit agency request), possibly even for connected merchants
      • Analysis and exchange of data for fraud prevention purposes (use of tools for identifying and blocking potential fraudsters)
      • Offering further payment options and/or financial services by us or our affiliates
      • Sending e-mails and letters in connection with the provision of our services to you as customers and your online merchants
      • Analysis and maintenance of our databases and customer lists
      • Announcement by statutory or regulatory obligations and the enforcement of BillPay’s rights and to protect other BillPay customers.
    2. BillPay reserves the right to the purposes described above to transfer personal data to BillPay’s authorized service provider or financial partners, or to grant access to these, so far as is necessary to fulfill their tasks.
    3. Usage of Akamai
      To optimise the user experience on this Website, BillPay calls upon the services of Content Delivery Networks (“CDN”) at Akamai Technologies AB, Hemvärnsgatan 9, 17154 Solna, Sweden and the latter’s parent company Akamai Inc., 150 Broadway, Cambridge, 02142 MA, USA. For this purpose, the web content requested from BillPay websites is routed over the Akamai server network. As a general rule, servers in proximity to the site user’s place of retrieval are used. By way of exception (for instance, in the event of attack, where site users are found outside the EU or should congestion be experienced within the EU), content can be directed over servers outside the EU, in particular servers in the United States. During utilisation of the CDN, both your IP address and data regarding your Internet use will, for technical reasons, be processed and analysed for fraud prevention purposes by Akamai. Both Akamai Technologies AB and Akamai Inc. fully comply with data protection requirements in all contract implementation.
    4. BillPay will not sell personal data to third parties for advertising purposes.
  3. This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on the users’ computers, to help the website analyze how users use the site. The information generated by the cookie about the use of the website by users will be transmitted to and stored by Google on servers in the United States. The IP-anonymisation is activated on this website and the users’ IP address will be truncated within the area of Member States of the European Union or other parties to the Agreement on the European Economic Area. Only in exceptional cases the whole IP address will be first transferred to a Google server in the USA and truncated there. Google will use this information on behalf of the operator of this website for the purpose of evaluating the users’ use of the website, compiling reports on website activity for website operators and providing them other services relating to website activity and internet usage. The IP-address that your browser conveys within the scope of Google Analytics will not be associated with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website.

    The users can also prevent the collection of data generated by the cookie and data related to their use of the website (including their IP address) as well as the use of such data by Google by downloading and installing the browser plug-in that is available under:

    In case this website is being used via browsers from mobile devices, the users can refuse the use of Google Analytics by clicking on the following link:
    Disable Google Analytics for this browser.
    By clicking the above link, a cookie will be set on your device that prevents the collection of data via Google Analytics. The deactivation is valid only for this browser and for this domain and only as long as this cookie is saved and valid. In case the users delete the cookies in this browser, they have to click the link again in order to deactivate Google Analytics.

  4. This website uses etracker technology (www.etracker.com) to collect visitor behavior data. This data is collected anonymously to be used for marketing and optimization purposes. All visitor data is saved using an anonymous user ID and can be aggregated to a usage profile. Cookies may be used to collect and save this data, but the data remains strictly anonymous. The data will not be used to identify a visitor personally and are not aggregated with any personal data. The collection and storage of data may be refused at any time with respect to subsequent services.
  5. Withdrawal of consent, information, correction, blocking and deletion of personal data
    1. Your consent to the collection, processing, use, or transfer of your personal data, can be withdrawn at any time without incurring any costs other than the transmission costs for the base rates. Even with a revocation BillPay remains entitled to process, use or transmit to the extent required by law or necessary for the contractual settlement of Purchases on Account or Purchases by Direct Debit with BillPay or required by a court or an authority.
      Please send your withdrawal to privacy@billpay.de
    2. You are also entitled to receive free information about the data stored at BillPay and if necessary correct, terminate or delete this data.
  6. Privacy Officer

    Please contact on matters relating to the collection, use, processing or transfer of your personal data as well as for information, correction, lockouts or erasure of data in writing the Privacy Officer:

    External data protection officer
    Michael Schramm
    c/o HK2 Comtection GmbH
    Hausvogteiplatz 11A
    D-10117 Berlin