1. PERSONAL DATA
In general, you can visit the Site without disclosing any personal information about yourself. In any event, you are in no way obliged to transmit such information to Credito Citiz. Nevertheless, in case of refusal, you may not be able to benefit from certain information or services that you have requested. Credito Citiz may in some cases ask you to provide certain information (hereinafter your "Personal Information"):
- First and last name ;
- Email address ;
- Phone number ;
- Mailing address ;
- Date of Birth ;
- Your marital status ;
- Your nationality ;
- The amount of your salary ;
- The SIREN number of your company
- The amount of credit you are looking for ;
- Any personal comments you may leave ;
By providing this information, you expressly agree that it will be processed by Credito Citiz, for the purposes indicated in point 2 below and for the purposes recalled at the end of each form.
In accordance with the General Data Protection Regulation adopted by the European Parliament on April 14, 2016, and with the French Data Protection Act of January 6, 1978 as amended, Credito Citiz informs you of the following points:
1-1 Identity of the controller
The data controller is the company Credito Citiz, having its registered office at 167 Rue des Foulons 59500 - France. Phone : +33 4 95 58 98 76
1-2 Purposes of the treatment
- (a) for the purpose of providing you with the information or services that you have requested to receive (such as ordering a product for sale on our Site or sending you our newsletters following your registration); and/or
- (c) in order to be able to contact you about various events relating to Credito Citiz, including but not limited to product updates.
1-3 Disclaimer of Liability
I acknowledge and agree that Credito Citiz may forward my credit application to Credito Citiz , Cembra Money Bank SA, BANK-now, Atlantic Union Bank, Bob Finance or any of its other partner entities (hereinafter each referred to as the "bank") by internet, e-mail, or fax/mail. In addition, I confirm the following points:
1-4 Examination of the application and information on appropriations
I confirm the accuracy of all data relating to me and authorise the financial institution to obtain information about me from third parties, in particular banks, the Central Office for Credit Information (ZEK), authorities (e.g. the Federal Banking Commission), banks and other institutions for the purpose of processing this application and the contractual relationship. (ZEK), authorities (e.g. prosecution office, tax authorities, residents' registration office, child and adult protection authorities), credit information agencies, credit intermediaries, employers, companies in the financial institution's group and, if applicable, the Association for the Management of a Consumer Credit Information Centre (IKO). For the above-mentioned purposes, I release these bodies from banking, postal, official or business secrecy. Furthermore, I authorise the financial institution to report this application to the ZEK and, where applicable, to the IKO and, where required by law, to other bodies. In particular, the type, amount and terms of credit or financing, as well as the applicant's personal data and any qualified payment delays or abuses are to be reported. I acknowledge that the ZEK and IKO are entitled to provide their members with information on the data provided. The financial institution may refuse the application without giving reasons.
1-5 Collaboration with intermediaries
The financial institution may, in the case of applications transmitted to it by an intermediary, exchange with the latter the information necessary for the examination of the application/solvency and for the conclusion and performance of the contract.
1-6 Partner data
If I have made entries in the application regarding my spouse or registered partner ("Partner"), I confirm (i) that I have informed my Partner of this application, (ii) that the financial institution may verify the above entries directly with my Partner, and (iii) that my Partner agrees that the financial institution may obtain information (including inquiries from the KEZ) about my Partner as described above.
1-7 Data processing
I authorise the financial institution to process, evaluate and profile my data for marketing and risk management purposes. I authorise the financial institution to offer me other products and services, including those of its group companies. I may revoke this authorisation to process my data for marketing purposes or to send information at any time. The user of this site is informed that the information that he communicates through the forms on the compagnies-loan.com website is necessary to answer his request and is intended for the services in charge of answering his request for the purpose of following up this request. The user has the right to access, rectify, update and delete information concerning him/her by specifying in the subject line of the letter "Personal rights" and by attaching a copy of his/her proof of identity.
The user of this site may also object, for legitimate reasons, to the processing of his or her data and, without reason and free of charge, to the use of his or her data for commercial prospecting purposes.
We may process the following types of personal data about you:
Your contact information including your name, email address and phone number. User information, for example, if you log in to our service or visit our websites. This information may include IP number, device type and browser, time zone, geographic location, as well as your interests and preferences Information about how you interact with our services, for example, what features you use and what buttons you click.
1-8 Collaboration with service providers (outsourcing)
The financial institution may outsource services to third parties (hereinafter referred to as "service providers"), in particular with regard to the processing of business processes, IT security and systems management, market research and prospecting, the identification of business-relevant credit and market risks, and the administration of contractual relationships (e.g. application and contract processing, collection, customer communication). The financial institution shall provide these service providers with the data required for the fulfilment of their contractual obligations and may for this purpose also transmit such data abroad. Service providers, as well as their employees and subcontractors, are contractually obliged to ensure data protection in accordance with the requirements of the Federal Data Protection Act, to observe banking secrecy in accordance with the Federal Banking Act and to comply with the duty of confidentiality. In this context, I note that my data may be passed on to service providers established in states which may not have data protection equivalent to that of France.
I agree that the financial institution may use electronic means to communicate with me or the intermediary. I also agree to the transmission of data via the Internet and I am aware that the Internet is an open network accessible to all. Therefore, Credito Citiz and the financial institution cannot guarantee the confidentiality of data transmitted via the Internet. As a result, third parties may conclude that there is a current or future business relationship (banking if applicable) between myself and the financial institution.
1-9 Shelf life
Your Personal Information is kept by Credito Citiz only for the time corresponding to the purpose of the collection as indicated in 2 above, which in any event shall not exceed 24 months.
1-10 Data-processing Rights and Freedoms
You have the following rights concerning your Personal Information, which you can exercise by writing to us at the postal address (see point 1) or by using the contact form on the Site at the following url address: https://www.compagnies-loan.com/contact
1-11 Right of access and communication of data
You have the right to access your Personal Information. However, due to Credito Citiz's obligation of security and confidentiality in the processing of personal data, you are informed that your request will be processed provided that you provide proof of your identity, in particular by producing a scan of your valid identity document (in case of a request through our dedicated electronic form) or a signed photocopy of your valid identity document (in case of a written request).
compagnies-loan.com informs you that it will be entitled, if necessary, to oppose manifestly abusive requests (due to their number, repetitive or systematic nature). In order to help you in this process, in particular if you wish to exercise your right of access by means of a written request to the postal address mentioned in point 1, you will find by clicking on the following link a model letter drawn up by the National Commission for Information Technology and Freedoms in France (the "CNIL").
1-12 Right to rectify data
Under this right, the law entitles you to request the rectification, updating, blocking or deletion of data concerning you which may prove to be inaccurate, erroneous, incomplete or obsolete. You can also define general and specific guidelines on the fate of personal data after your death. Where appropriate, the heirs of a deceased person may demand to take into account the death of their loved one and/or make the necessary updates. To help you in this process, in particular if you wish to exercise, on your own behalf or on behalf of one of your deceased relatives, your right of rectification by means of a written request to the postal address mentioned in point 1, you will find by clicking on the following link a model letter drawn up by the CNIL.
1-13 Right of opposition
The exercise of this right is only possible in one of the following two situations: Where the exercise of this right is based on legitimate grounds; or Where the exercise of this right is intended to prevent the data collected from being used for commercial prospecting purposes. To help you in your approach, in particular if you wish to exercise your right of opposition by means of a written request addressed to the postal address indicated in point 1, you will find by clicking on the following link a model letter drawn up by the CNIL.
1-14 Response times
compagnies-loan.com undertakes to respond to your request for access, rectification or opposition or any other additional request for information within a reasonable period of time, which may not exceed 1 month from receipt of your request.
1-15 Authorised service providers and transfer to a third country from France or the European Union
compagnies-loan.com informs you that it uses its authorised service providers to facilitate the collection and processing of the data you have communicated to us. These service providers may be located outside of France or the European Union and communicate the data collected through the various forms on the Website (with the exception of the form allowing you to exercise your rights to information technology and civil liberties, which is offered and used by compagnies-loan.com).
1-16 Place of jurisdiction and applicable law
Any dispute relating to the site or resulting from its use or access is subject to the exclusive jurisdiction of the competent courts of the canton of Vaud, subject to possible recourse to the Federal Court of Lausanne. French law applies.