Terms and Conditions

All information contained in this site is the property of  TELECREDIT IFN SA , hereinafter referred to as ” Telecredit “. 

The products and services described in this site, the content and design, as well as the brands or logos presented, are the exclusive property of Telecredit or other contractual partners of Telecredit, they may not be reproduced or used by another third party, being reproduced and the use of the content for purposes other than personal, under the sanction of the applicable legislation.

The information contained in this site is provided exclusively for information purposes and should be used only for this purpose, they can not be considered offers of financial products or services and do not represent advice or recommendations for investments or contracting a loan or financial product. 

Telecredit may change the content and / or structure of the site at any time and without prior notice.

The activity on the website is in accordance with law 365/2002 on electronic commerce.

Telecredit does not assume responsibility for any erroneous, incomplete or altered information, by any means, by third parties and is not responsible for any direct / indirect damages incurred / claimed by third parties as a result of using the information contained in this site. 

Processing of personal data

The company – TELECREDIT IFN SA

  • Address: Bucharest, Sector 1, Dr. Iacob Felix Street, Nr. 55, Et. 4
  • Reg. Com. nr.: J40/7586/2014
  • WHICH: RO33317138
  • No. contact: 021.9933

DPO – Liana Serb

  • Address: Bucharest, Sector 1, Dr. Iacob Felix Street, Nr. 55, Et. 4
  • No. contact: 0723529502
  • E-mail address:  dpo@telecredit.ro

In accordance with the General Regulation of the European Union on data protection (EU Regulation 2016/679, “GDPR” ) applicable from 25 May 2018,  TELECREDIT IFN SA , informs you: 

Through the OMNICREDIT online platform, Telecredit IFN SA processes the data of the following categories of natural and legal persons: clients / potential clients / former clients, beneficiaries / potential beneficiaries of the credit agreement, persons designated by the client in relation to TELECREDIT, debtors of the client. Telecredit processes only the data necessary for the purposes of processing.

Also, the access to the client account will be made with a username and password, our recommendation being not to reveal this password to anyone.

 

Purposes of processing : The OMNICREDIT online platform processes the personal data declared in order to provide credit and factoring / discounting services for the following purposes, to take steps to carry out the stages related to the credit agreement: customer knowledge, customer credit analysis, risk assessment , bidding, signing the credit / factoring / discounting contract, drawing credit, credit administration, factoring / discounting service, receipts associated with credit agreements, collection / assignment / execution activity, creating the user account, marketing activities, as well as and in order to fulfill legal obligations regarding the audit, knowing the clientele, the purpose of preventing and identifying potential frauds.

Special data We process special
data on your health only for the purpose of identifying credit payment alternatives.

When applying a claim for assignment through the Omnicredit platform, data is collected from publicly available sources such as RECOM, AEGRM, the Ministry of Public Finance, ANAF, the Court Portal, Linkedin, the website of the organization you belong to.

The legal basis of the processing: The basis of the processing consists of: (1) consent regarding the data necessary for the marketing activity, identification of credit payment alternatives and for the creation of the user account, (2) realization of the crediting / factoring / discounting contract, customer knowledge, customer creditworthiness analysis, risk assessment, bidding, signing the credit agreement, drawing credit, credit administration, receipts associated with credit agreements, collection / assignment / execution activity, (3) as well as fulfilling the applicable legal provisions (specific legislation in the field of lending / factoring / discounting, legislation on money laundering and combating acts of terrorism, sectoral legislation) (4).The legitimate interest in order to exercise the actions in order to prevent the frauds that may appear in the crediting / factoring / discounting activity, the representation in court for the defense of one’s own rights.

Categories of recipients : Thus, in order to facilitate the development of activities related to the credit agreement and in order to fulfill legal obligations, Telecredit IFN SA communicates these data to public authorities and bodies, operators, third parties or its proxies or other categories of recipients such as:

  • In order to fulfill some legal requirements or at their request, to: the National Bank of Romania, the National Office for Prevention and Combating Money Laundering, statutory auditors, other state authorities.
  • Service providers (including consultants, experts, notaries, law firms, collection companies, executors, IT & C service providers, marketing and courier service providers, archiving companies, banking institutions)
  • At the express request: ANPC, judicial authority, central and local public authorities, police, market research organizations.

The categories of proxies

The data transmission is made according to concrete situations, limited to the processing objective and ensuring us through the concluded contract regarding the observance of the requirements of the Regulation. In addition, the proxies are subject to the provisions of the Regulation similar to the operators (including regarding the requirement to delete or return data).

Remember : The use of the proxies is justified by business reasons, most of the time we are talking about specialized, professional services that can manage the necessary volumes and ensure the technology through which the Operator can fulfill his duties.

The data are not transmitted simultaneously to all proxies.

Categories of proxies:

  • Accounting firm (Bucharest)
  • Server hosting company (Bucharest)
  • Accounting software company (Cluj)
  • Debt collection company (Bucharest)
  • Bailiffs’ Offices (Romania)
  • Fiscal authorities
  • Payment Processors (Bucharest)
  • Banking institutions (Bucharest)
  • Communication service providers (Bucharest)

This type of communication is occasional or permanent, depending on the situation.

Processing duration : In order to determine the period for which the data will be processed, we take into account the contractual duration until the expiration of the contractual obligations, the NBR regulations and the archiving deadlines by the archiving law, the order of the Minister of Finance. In addition for guarantees by consent, the duration is as long as it is in force.

If you do not agree to the processing of data as indicated above, we will be unable to offer you our services, we will not be able to conclude the credit agreements you request from us or we will not be able to execute the credit agreement in which you are / you will be a part. During the collection of personal data, the required fields will be marked separately with *.

Processing of personal data for direct marketing purposes 

To the extent that you have agreed, Telecredit IFN SA and / or its partners process for direct marketing purposes (1), for the creation of profiles (2), personal data such as: name, date of birth, address, address e -mail, phone number.
In order to fulfill the direct marketing purpose, Telecredit IFN SA, through the specialized departments, selects and analyzes (3) one or more of the personal data mentioned above. In addition, they can be used: sex, marital status, occupation, field of occupation, income, employer, socio-demographic data, IP address, data on online behavior (web pages visited), data on the device used, with the mention that the entire data set is not used at the same time.

(1) Direct marketing involves the transmission of commercial offers, newsletters, campaign invitations, personalization of offers, administration of any consumer loyalty or reward programs associated with the Client’s account, personalization of communication with its clients using personal data related to customer history, previous options or product or service preferences and the like. We say to the extent that you have agreed, because if you have expressed your disagreement, your data will not be processed for direct marketing purposes.
(2) “profiling” means any form of processing of personal data which consists in using personal data to assess certain personal aspects relating to a natural person, in particular to analyze or provide for aspects of the economic situation, behavior, the place where the individual is.
(3) Selection and analysis are not purposes different from the initial purpose, nor stand-alone processing operations, but ways in which the direct marketing goal is achieved.

The rights of individuals in connection with the processing of personal data

According to the General Regulation on data protection 679/2016, individuals benefit from the right of access, information, rectification, deletion or forgetfulness, data portability, restriction of processing and opposition.

Right to information 
Individuals have the right to be informed about the collection and use of their personal data.

Right of access
Individuals have the right to access personal data and additional information. The right of access allows people to know and verify the legality of processing.

Right of rectification The
right of individuals to rectify inaccurate personal data or to complete them if they are incomplete.

The right to delete data (“the right to be forgotten”) The
right of individuals to have their personal data deleted. The right to be erased is also known as the “right to be forgotten.”

The right to portability The
right to data portability allows people to obtain, reuse and transmit their personal data to another operator, for their own purposes within the various services. If this is technically possible, we will transfer your personal data.

Right to object
Individuals have the right to object to: processing based on legitimate interest or fulfilling a task of public interest / exercising public authority (including profiling), direct marketing (including profiling) and processing for scientific / historical research and statistics .

The right to restrict the processing of
natural persons have the right to obtain the restriction of the processing of their personal data.

Rights related to the automated decision-making process, including profiling 
The data subject has the right not to be subject to a decision based exclusively on automatic processing, including profiling, which produces legal effects concerning the data subject or similarly affects him to a large extent. significant.
If you have given us your consent for the processing of personal data, you have the right to withdraw this consent at any time.

Individuals have the right to submit, directly or through a proxy, a complaint to a supervisory authority.
If some of your data is incorrect or out of date, please inform us as soon as possible.

For any requests you may have regarding the exercise of the rights mentioned above or the withdrawal of consent, as well as to ask us any other questions regarding those communicated herein, you can contact Telecredit IFN SA by e-mail:  dpo@telecredit.ro  to the attention of the Data Protection Officer and / or to the postal address mentioned above.

Declaration regarding the real beneficiary and the quality of a politically exposed person

The Borrower / Applicant declares on its own responsibility that it is the real beneficiary of the amounts of money it has requested as a loan and undertakes to communicate immediately to TELECREDIT any change regarding the declared ones.
The Borrower / Applicant understands and agrees that the granting of the Loan is conditional on its capacity as a beneficial owner of the amount obtained.

parent) or a person publicly known to be associated with such a person. The Borrower / Applicant undertakes to immediately notify Telecredit of any change in the statements made. The Borrower / Applicant understands and agrees that the granting of the Loan is conditional on its quality of not being a politically exposed person, related to it or publicly associated with such a person.

 

Cookies

The site  www.omnicredit.ro/en   uses cookies.
This website uses both its own cookies and third-party cookies to provide visitors with a much better browsing experience and services tailored to the needs and interests of each.

The cookies used on this site provide valuable feedback and help us in trying to improve the online experience. The site uses cookies to improve the browsing experience. The information obtained from these cookies are not stored in the database and once the browser is closed, the cookies are deleted from the user’s computer.

What is a “cookie”? 

“Cookie” means a text file that contains information about the activity of a particular user of the site (pages visited, date and time of visit, information on authentication on the site). The collection of this data is done exclusively in order to ensure the security of the data collected through the site, as well as to improve the services offered by Telecredit to its clients. Each browser defaults to “cookies”.

There are 2 main categories of cookies: 
Session cookies – these are temporarily stored in the cookies folder of the web browser so that it can store them until the user leaves the respective web-site or closes the browser window (e.g. : when logging in / logging out on a webmail account or on social networks)
Persistent Cookies – These are stored on the hard drive of a computer or device (and generally depend on the default lifetime for the cookie). Persistent cookies also include those placed by a website other than the one the user is currently visiting – known as ‘third party cookies’ – which can be used anonymously to memorize a user’s interests so that the most relevant advertising for users is delivered. 

What are the advantages of cookies? A cookie contains information that links a web browser (user) to a specific web server (website). If a browser accesses that web server again, it can read the information already stored and react accordingly. Cookies provide users with a pleasant browsing experience and support the efforts of many websites to provide comfortable services to users: eg – online privacy preferences, site language options, shopping carts or relevant advertising. 

What is the lifetime of a cookie?
Cookies are administered by webservers. The lifespan of a cookie can vary significantly, depending on the purpose for which it is placed. However, cookies can be deleted by a user at any time through the browser settings. 

How are the cookies used by this site?
More details about the cookies that this site uses you can see here:  https: // omnicredit / politica-cookie /.
With a clear understanding of how they operate and the benefits they bring, you can take the necessary security measures so that you can surf the internet with confidence. More details on Cookies can be found at  https://cookiepedia.co.uk/ .

Copyright

Telecredit holds the legal rights regarding the graphics, the form, the way of presentation, as well as of any presentation materials printed or transmitted electronically. They are protected by applicable copyright law. It is not accepted to copy, reproduce in any way, multiply, alter, intervene on the form and content of TELECREDIT websites, including graphics, formats, ways of presenting and structuring information, materials generated through the site, under the penalties provided by law.

Final terms

Failure to comply with the contractual terms, fraud or any conduct that harms Telecredit may lead to the suspension of your access to the services offered by Telecredit through this site.