You pay the debt – and the SCHUFA entry acts as if it never saw the transfer. The BGH decided exactly this on 12/18/2025: “Delete immediately” is not automatic. But: The door is not closed. Question – Immediate Answer:Does SCHUFA…
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Liability for pushTAN Misuse: Recent Rulings Shift the Balance
Anyone who authorizes a payment via pushTAN in online banking legally agrees to a specific order – at least, that’s the banks’ ideal scenario. In practice, however, perpetrators exploit security vulnerabilities to push through transactions. The question then is no…
Mail from the German Armed Forces?
Why your Mailbox is Ringing… And how to Protect your Child’s Data Recently, I have been receiving more and more inquiries from parents whose almost adult children suddenly find “VIP invitations” from the German Armed Forces in their mailbox. In…
Time Recording Obligation 2025 – Quick Check for Employers
“Time clock? That’s for grandma’s factory!” Anyone who thinks that way risks a fine faster than the barista can serve the first cappuccino. Since the Federal Labor Court’s decision of September 13, 2022 (1 ABR 22/21), every company must introduce…
Underestimated Danger on the Smartphone – Smishing 2025 in Practice
An SMS, a tap on the link – and Apple Pay bookings rush through as if you had a company party at the Apple Store. Welcome to Smishing, the perfidious mixture of “SMS” and “Phishing”, which in 2025 is orchestrated…
