Política de Privacidad

Privacy Policy

Privacy Policy valid as of July 21, 2020.

This privacy policy describes Fidem Financial OU. (hereinafter referred to as «Fidem F. OU.» or «We», Registration No.: 16013157 and with registered office: Harju maakon street, Tallinn, Kesklinna linnaosa, Narva mnt 7, 10117, EE) processes the personal data of its users (hereinafter referred to as «you») in connection with the use of its website crezu.es (hereinafter referred to as the «Website» or Creditoy) and the Services offered by Creditoy.This document is adapted to the European Data Protection Regulation (GDPR). This document contains the legal references that will serve to regulate the conditions under which the website or page collects, manages and retains («processes») the personal data of Internet users who access, browse and use the website or page. It also includes the rights of users and the obligations of the website owner in relation to the processing of personal data.

The purpose of this privacy policy

The purpose of this privacy policy is to explain how Creditoy collects, uses and shares your personal data and what rights you have regarding your data.

Who is responsible for the processing of your data?

The company Fidem F. OU is responsible. Registration number: 16013157 and addressed: Harju maakon street, Tallinn, Kesklinna linnaosa, Narva mnt 7, 10117,

What data do we collect and when?

Sources from which personal data originates:

1. When you provide them directly to us through the forms on our Website (e.g. when completing a loan application or otherwise);
2. From third-party websites that are dedicated to generating opportunities in relation to the provision of services, including those offered by Creditoy;
3. Publicly accessible sources (e.g. public social media profiles such as Facebook or LinkedIn);

 

For what purpose do we process your personal data?

The main purposes for which we use your data are to help you find a loan and manage your customer account. This includes sending personal data to loan providers in order to find a suitable Lender, as requested, that suits your needs, as well as pre-completing the loan application in case it is repeated, and improving your credit profile and scoring if you already have an Account. how you navigate and use our Website) to improve the user experience in the use of the Website and the Services, with the aim of making it more intuitive. The legal basis for the above lies in our legitimate business interest in improving the Website and the user experience. Given the nature of the data and the fact that we use it in aggregate form, as well as your interests or fundamental rights and freedoms, these do not override our legitimate interests. We also process the data received from your use of our Website and Services (e.g. information about how you browse and use our Website) in order to prevent fraud and misuse of our Services (e.g. prevent the use of the Website and Services by robots). The legal basis for the above lies in our legitimate business interest in improving the Website and the user experience. Given the nature of the data and the fact that we use it in aggregate form, as well as your interests or fundamental rights and freedoms, these do not override our legitimate interests. To the extent required by applicable data protection regulations, You have the right to object to the processing of Your personal data on the basis of a legitimate interest.

In addition, whenever you authorise it, we may communicate your personal data to third parties, so that they can send you commercial communications about their products or services. When the processing of personal data is based on your consent, it can be withdrawn at any time by clicking on the «unsubscribe from the list» link at the bottom of each email. Please note that the withdrawal of consent does not affect the lawfulness of the data processing carried out prior to such withdrawal. We may also process your personal data to comply with our legal obligations (e.g. in our obligation to share your personal data with relevant authorities and to comply with our Anti-Money Laundering and Terrorist Financing obligations). This type of processing is based on compliance with our legal reporting obligations.

What is automated decision-making?

Automated decision-making as part of our Services: taking into account your preferences for taking out a loan with us and the personal information you have provided to us by completing the loan application form, information obtained from the sources listed above, and your history of using our Services (e.g. whether you have been granted a loan and by whom),  we prepare or complete your credit profile and «scoring» and then assign the results obtained to your Account. We compare your profile with the conditions established by each of the Lenders for their clients, and taking into account the results of this comparison we offer you the Lender or the list of Lenders with which you are most likely to effectively grant you the loan, under the conditions you have pre-selected. Our results are based on information we have received from Lenders regarding the terms they offer to their customers, as well as our best estimate of past conduct by Lenders. As a result of our comparison, the list of potential Lenders may be very numerous or on the contrary contain one or no potential Lenders, this depends on how many Lenders, according to our best estimate, would be willing to grant loans to people with similar profiles to yours. To understand what each Lender’s preferences are based on, please refer to the privacy policies of the Prestamistas.No the results of our profiles may be considered to affect your chances of obtaining a loan. You have the right to obtain human intervention, to express your point of view, and to challenge the decision.

Who has access to personal data and what is the policy for sharing your personal data?

We only share your personal data when we have a valid reason for doing so and where such sharing is legally supported. We only contract with service providers who provide sufficient guarantees to implement appropriate technical and organisational security measures to protect your personal data.
Creditoy transfers the personal data collected by it to recipients belonging to the following categories:

1. Loan providers.

The provision of our Services includes sharing your personal data with Lenders so that they can decide whether or not to grant you a loan and to enter into the loan agreement. The purpose and legal basis of such sharing of personal data is to enable us to carry out the existing Agreement between us and the proper provision of our Services. The Lender will use your personal data for the sole purpose of deciding whether or not to grant you a loan. Please note, however, that once we have transferred your personal data to the Lender so that it can assess whether or not to grant you a loan, the Lender will be solely responsible for the processing of your personal data. So you should familiarize yourself with their respective privacy policies. In the event that the Lender decides not to grant you a loan, it must delete or anonymize your personal data, unless there is a valid legal basis for retaining it.

1. Email providers;
2. SMS service providers;
3. Analytics providers;
4. IT and marketing that process personal data on the same servers where Creditoy stores personal data may have access to this personal data;

• Auditores, autoridades (Las bases legales de este intercambio residen en la necesidad de cumplir con nuestras obligaciones legales).

In case you need detailed information regarding the service providers related to the processing of your personal data, please contact us at the contact information.

How long do we keep your personal data?

We keep your personal data for as long as necessary to fulfil the purpose for which it was provided, as well as for the time necessary to protect your rights as required by applicable regulations. We may retain your personal data for certain years after the end of our relationship if necessary to protect your rights in accordance with applicable law. In the event that there are different purposes that give rise to the processing of your personal data, they will be kept according to the longest period. In accordance with the maximum limitation period for claims arising from these transactions, under applicable law, where the obligated person intentionally fails to comply with its obligations, we may retain your personal data related to such claims for a maximum of 10 years from the date of the due date of the complaint.

Your Rights

As established by the applicable regulations, you have all the rights established by regulation with respect to your personal data. Such rights include, but are not limited to, the following:

1. Request access to your personal data;
2. Obtain a copy of your personal data;
3. Rectify or complete incorrect or inaccurate data;
4. Delete personal data;
5. Restrict the processing of your personal data;
6. Migration of your personal data;
7. Object to the processing of personal data, which is based on our legitimate interest and the processing of personal data for direct marketing purposes;
8. provide Creditoy with additional data for the completion of incomplete personal data relating to the data subject;
9. lodge a complaint with a supervisory authority.

Please note that the rights relating to your personal data are not absolute and will be subject to considerations permitted by applicable law. To exercise your rights, please contact us at the contact information. If you believe that rights in relation to your personal data have been infringed, please contact us at the contact information. In the event that our personal data processing practices change or it becomes necessary to modify this Privacy Policy as set out in applicable law, case law or guidelines issued by competent authorities, we have the right to unilaterally modify this Privacy Policy at any time. In the event that changes are material and impact you in any way, we will notify you by email and you will be pop-up on our Website prior to such modifications becoming effective.

Contact Us

In case you have any questions in relation to the processing of your personal data by us or if you wish to exercise any of your rights, you can contact us via the following contact details: info@credi4me.com

Creditoy will respond to the request without undue delay and, in any event, within one month of receipt of the request (this period may, taking into account the circumstances, be extended by two months). The response time will depend on the number of requests Creditoy receives and the content of a particular request.

Privacy Policy valid as of July 21, 2020.

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