Last Updated: July 10, 2025

At Online Skill Box, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data when you visit our website, www.onlineskillbox.com, or engage with our services. Based in Munich, Germany, we operate in compliance with the General Data Protection Regulation (GDPR) and other applicable data protection laws. Our mission is to empower users with financial knowledge while maintaining the highest standards of transparency and trust.

Contact Information
Online Skill Box GmbH
Kaiserstraße 12, 80331 Munich, Germany
Email: privacy@onlineskillbox.com
Phone: +49 89 7654 3210

This Privacy Policy applies to all visitors, users, and others who access our website or interact with our services, including our newsletter, social media channels, and financial tools. By using our website, you agree to the terms outlined in this policy. If you have any questions or concerns, please contact us using the details above.

1. Information We Collect

We collect information to provide you with a personalized, secure, and efficient experience on our platform. The types of information we collect include:

1.1 Personal Information

Personal information is any data that can identify you as an individual. We may collect the following personal information when you voluntarily provide it:

  • Name: When you subscribe to our newsletter, contact us, or leave a comment on our blog.
  • Email Address: When you sign up for our newsletter, contact us, or create an account to access premium tools.
  • Contact Details: Such as your phone number or mailing address, if you provide them when reaching out to us.
  • Financial Information: Limited to non-sensitive data, such as your responses to financial calculators or forms (e.g., budget preferences or savings goals), which are anonymized and used to improve our services.

We only collect personal information when you explicitly provide it, such as through forms or direct communication. We do not collect sensitive financial information, such as bank account numbers or credit card details.

1.2 Non-Personal Information

We also collect non-personal information that does not directly identify you. This includes:

  • Usage Data: Information about how you interact with our website, such as pages visited, time spent on the site, and click patterns.
  • Device Information: Details about your device, including IP address, browser type, operating system, and device identifiers.
  • Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance your experience, analyze site performance, and deliver targeted advertisements.
  • Log Data: Server logs that record information about your visits, such as the date, time, and duration of your session.

1.3 Information from Third Parties

We may receive information from third-party services, such as analytics providers (e.g., Google Analytics) or advertising partners (e.g., Mediavine). This information is typically aggregated and anonymized but may include demographic data or browsing behavior to help us understand our audience.

2. How We Collect Information

We collect information through the following methods:

  • Direct Interactions: When you submit forms, subscribe to our newsletter, contact us via email or phone, or engage with our social media channels.
  • Automated Technologies: Through cookies, web beacons, and server logs that collect usage and device information as you navigate our website.
  • Third-Party Services: From analytics tools, advertising networks, and social media platforms that provide aggregated data about user behavior.
  • User Contributions: When you leave comments on our blog or participate in community features, we may collect the information you share.

3. How We Use Your Information

We use the information we collect to provide, maintain, and improve our services while ensuring your privacy. Specifically, we use your information to:

  • Deliver Content and Services: Provide access to articles, financial calculators, and tools tailored to your interests.
  • Communicate with You: Respond to your inquiries, send newsletters, or provide updates about our platform.
  • Improve User Experience: Analyze usage data to optimize our website’s performance, design, and content.
  • Personalize Content: Deliver relevant articles, tools, or advertisements based on your browsing behavior and preferences.
  • Ensure Security: Protect against fraud, unauthorized access, and other security threats.
  • Comply with Legal Obligations: Meet requirements under GDPR and other applicable laws.
  • Support Advertising: Work with advertising partners like Mediavine to display relevant ads that support our free content.

We do not use your personal information for automated decision-making or profiling that produces legal or significant effects.

4. Legal Basis for Processing (GDPR)

As a Germany-based company, we comply with GDPR. We process personal data based on the following legal grounds:

  • Consent: When you voluntarily provide information (e.g., subscribing to our newsletter) or agree to cookies via our consent banner.
  • Legitimate Interests: For activities like website analytics, improving user experience, and delivering targeted ads, where our interests do not override your rights.
  • Contractual Necessity: When processing is necessary to fulfill a service you requested, such as responding to a contact form.
  • Legal Obligation: To comply with applicable laws, such as tax or data protection regulations.

You have the right to withdraw consent at any time by contacting us or using the unsubscribe link in our emails.

5. Cookies and Tracking Technologies

Cookies are small files stored on your device to enhance your browsing experience. We use the following types of cookies:

  • Essential Cookies: Necessary for the website to function, such as maintaining your session or ensuring security.
  • Performance Cookies: Collect anonymized data to analyze site performance (e.g., Google Analytics).
  • Advertising Cookies: Used by Mediavine and other partners to deliver relevant ads based on your interests.
  • Functional Cookies: Enable features like remembering your preferences or login details.

You can manage cookies through our consent banner or your browser settings. However, disabling cookies may affect your experience on our website. For more details, see our Cookie Policy on our website.

6. Sharing and Disclosure of Information

We do not sell your personal information. We may share your data under the following circumstances:

  • Service Providers: With trusted third parties who assist with website operations, such as hosting providers, analytics tools (e.g., Google Analytics), and email services.
  • Advertising Partners: With Mediavine and other ad networks to deliver targeted advertisements. These partners may use cookies to collect anonymized data about your browsing behavior.
  • Legal Requirements: If required by law, such as to comply with a court order or regulatory request.
  • Business Transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred to the new entity, with your rights protected under GDPR.

All third parties we share data with are contractually obligated to comply with GDPR and protect your information.

7. Data Security

We take data security seriously and implement measures to protect your information, including:

  • Encryption: Using SSL/TLS to secure data transmitted between your device and our servers.
  • Access Controls: Limiting access to personal data to authorized personnel only.
  • Regular Audits: Conducting security reviews to identify and address vulnerabilities.
  • Anonymization: Aggregating and anonymizing data where possible to reduce risks.

While we strive to protect your data, no system is completely secure. If you suspect a security breach, please contact us immediately at privacy@onlineskillbox.com.

8. Your Data Protection Rights (GDPR)

As a user in the European Union, you have the following rights under GDPR:

  • Right to Access: Request a copy of the personal data we hold about you.
  • Right to Rectification: Correct inaccurate or incomplete data.
  • Right to Erasure: Request deletion of your data, subject to legal obligations.
  • Right to Restrict Processing: Limit how we use your data in certain circumstances.
  • Right to Data Portability: Receive your data in a structured, machine-readable format.
  • Right to Object: Object to processing based on legitimate interests, including for marketing purposes.
  • Right to Withdraw Consent: Revoke consent at any time without affecting prior processing.

To exercise these rights, contact us at privacy@onlineskillbox.com. We will respond within 30 days, as required by GDPR. You may also lodge a complaint with a supervisory authority, such as the Bavarian Data Protection Authority (Bayerisches Landesamt für Datenschutzaufsicht).

9. Data Storage and Transfers

Your data is stored on secure servers located in Germany and other EU countries. We may use cloud-based services (e.g., hosting or analytics providers) that operate outside the EU, such as in the United States. In such cases, we ensure compliance with GDPR through:

  • Standard Contractual Clauses: Agreements that ensure third parties meet EU data protection standards.
  • Adequacy Decisions: Relying on countries deemed to have adequate data protection by the EU.
  • Safeguards: Implementing additional measures, such as encryption, to protect your data.

We retain personal data only for as long as necessary to fulfill the purposes outlined in this policy or as required by law. For example, newsletter subscription data is retained until you unsubscribe, and usage data is typically kept for up to 12 months for analytics purposes.

10. Mediavine Programmatic Advertising

Online Skill Box partners with Mediavine to deliver advertisements that support our free content. Mediavine may collect and use data as described below:

  • Data Collected: Mediavine and its partners may collect IP addresses, device identifiers, and browsing behavior to serve relevant ads.
  • Cookies and Tracking: Mediavine uses cookies and similar technologies to personalize ads and measure their effectiveness.
  • Third-Party Sharing: Mediavine shares data with its advertising partners, who are contractually obligated to comply with GDPR and protect your privacy.
  • Opt-Out Options: You can opt out of personalized ads by adjusting your cookie preferences or visiting Mediavine’s privacy policy at www.mediavine.com/privacy-policy.

By using our website, you consent to Mediavine’s data practices as outlined in their policy. We work closely with Mediavine to ensure compliance with GDPR and transparency with our users.

11. Third-Party Links

Our website may contain links to third-party websites, such as social media platforms or financial tools. We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies before sharing personal information.

12. Children’s Privacy

Online Skill Box is not intended for users under the age of 16. We do not knowingly collect personal information from children. If we become aware that a child under 16 has provided personal data, we will delete it immediately. If you believe a child has provided us with data, please contact us at privacy@onlineskillbox.com.

13. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting a notice on our website or emailing you (if you’re a newsletter subscriber). The “Last Updated” date at the top of this policy indicates when it was last revised. Continued use of our website after changes constitutes your acceptance of the updated policy.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Data Protection Officer:

Online Skill Box GmbH
Kaiserstraße 12, 80331 Munich, Germany
Email: privacy@onlineskillbox.com
Phone: +49 89 7654 3210

We aim to respond to all inquiries within 30 days. If you are not satisfied with our response, you may contact the Bavarian Data Protection Authority or another supervisory authority in your region.

15. Our Commitment to Mediavine and Grow

As part of our application to Mediavine’s Grow program, we are committed to maintaining a transparent, user-focused platform that prioritizes privacy and compliance. This Privacy Policy reflects our dedication to GDPR, user trust, and Mediavine’s standards for quality and transparency. With over 50,000 monthly page views and a growing community, we aim to enhance our platform through Mediavine’s partnership, delivering a seamless and secure experience for our users.

16. Additional Information

  • Newsletter Unsubscription: You can unsubscribe from our newsletter at any time using the “Unsubscribe” link in any email or by emailing us at privacy@onlineskillbox.com.
  • Cookie Management: Adjust your cookie preferences via our consent banner or browser settings.
  • Analytics: We use Google Analytics to track anonymized usage data. You can opt out using Google’s opt-out tool.
  • Advertising: Our ads are powered by Mediavine, ensuring compliance with GDPR and industry standards.

Thank you for trusting Online Skill Box with your financial education journey. We are committed to protecting your privacy and providing a secure, valuable experience.