Personal data
Personal data is defined as all information that identifies or makes it possible to identify an individual and which can provide detailed information about his characteristics, his habits, his way of life, his personal relationships, his state of health or his economic situation.
Any use or operation performed manually or with the help of an electronic tool on personal data is defined as processing.
In a significant amount of processed personal data, identification data belonging to certain and judicial categories are of particular importance.
What is a data identifier?
This is all information that allows you to identify an individual, such as first name, last name, tax code, email address, company registration number, client code, practice code.
What is a specific category of data?
This is all information that may disclose racial or ethnic origin, religious and / or philosophical beliefs, political opinions, membership in trade unions, parties or organizations of a religious / philosophical nature, health status, sexual orientation.
What is forensic data?
This is all information that may allow verification of judicial measures to be recorded in the criminal file (eg, criminal records, parole, ban on stay, alternative measures to detention) or the status of the accused/suspect.
Client rights
One of the main objectives is to protect the fundamental rights and freedoms of individuals by defining strict rules that all processors of personal data must comply with in order to effectively protect the personal data entrusted to them.
For this reason, the Regulation devotes a lot of space to the rights that each person can enjoy in relation to their data.
Right to rectification: allows you to obtain the rectification and integration of your inaccurate or incomplete personal data;
Right of access: allows you to obtain confirmation of the existence of the processing of your data and to access relevant information;
Right to data portability: allows you to "bring" or transfer your personal data provided to the data controller to yourself or another company in a structured and commonly used format;
Right to object: allows you to stop certain processing of personal data. It can only be applied to specific cases of treatment (for example, for direct marketing purposes);
Right to annulment (or right to be forgotten): allows, if required by the Regulation, to request the annulment of your data;
Right to restriction of processing: allows you to obtain restriction of processing of data in the cases provided for in the Regulation, which makes them unusable for a certain period of time.
The right to receive human decision making: Allows you to obtain human intervention from we, to speak your mind or to challenge a decision.
If the right is exercised, it is necessary to respond to the interested parties "without undue delay" and no later than one month from the receipt of the request. This period may be extended by another two months, if necessary, given the complexity of the request.
Consent to data processing
Returning the definition specified in Art. 4, par. 11 of the General Data Protection Regulation, consent to processing is “any expression of the free, specific, informed and unequivocal will of the interested party, by which he expresses his consent by means of an unambiguous declaration or affirmative action in relation to the fact that personal data concerning him is the object of processing ".
Consent, to be considered legal, must be: free, specific, informed and not consist of an act or an ambiguous statement.
In order to proceed with the loan request, we will have to process the data provided by the interested party. For contractual purposes, the processing of data is mandatory and the prior consent of the interested party is not required. If the interested party does not provide data for these purposes, it will not be possible to proceed with the terms of the contract.
We ask you to express your will regarding 3 types of optional consent to data processing.
Consent to profiling
Consent to profiling Through the collection and analysis of personal data, companies can better understand the needs of their customers and provide them with personalized offers and promotions. In order to allow companies to continue to offer increasingly relevant and competitive products and services, customers will need to give their consent to the profiling of their personal data.
Sik
All information about loans issued by banks and financial intermediaries is available in credit information systems (CIS). For the purpose of evaluating a loan application, we consult with the SIC to check the reliability, punctuality and risk of over-indebtedness of the applicant.
On September 12, 2019, the Guarantor Authority for the Protection of Personal Data approved the Code of Conduct, which SIC, as well as banks and financial intermediaries, must comply with regarding the processing of personal data. Review SIC privacy information in accordance with the new Code of Conduct.