Company – TELECREDIT IFN SA
DPO – Simona Brinza
According to the General Regulation of the European Union on Data Protection (EU Regulation 2016/679, “GDPR”) applicable since 25th of May 2018, TELECREDIT IFN SA informs you:“GDPR”) aplicabil din data de 25 mai 2018, TELECREDIT IFN SA, vă informeaza:
Through OMNICREDIT online platform, Telecredit IFN SA processes the date of the following categories of entities and individuals: customers/potential customers/former customer, beneficiaries/potential beneficiaries of crediting contracts, persons appointed by the customer in the relation with TELECREDIT, debtors of the customer. Telecredit exclusively processes the date required for processing purposes.
Processing purposes: OMNICREDIT online platform processes the personal data declared for providing crediting and factoring/discount services for the following purposes, in order to take measures for performing the stages related to the crediting contract: know-you-customer, analysis of customer creditworthiness, risk assessment, offer, signing the crediting/factoring/discount contract, credit drawdown, credit management, factoring/discount service management, cashing related to credit contracts, collecting/transfer/execution activities, creating user account, marketing activities, as well as for the purpose of fulfilling the legal obligations on audit, know-your-customer, purpose of preventing and identifying potential frauds.
We process special data on your health only for the purpose of identifying payment alternatives for the credit.
Upon applying through Omnicredit platform a receivables transfer application, data is collected from publicly available sources such as RECOM, AEGRM, Ministry of Public Finances, ANAF, Courts of Law Portal, LinkedIn, the website of your organization.
Legal grounds for processing: The processing grounds consist of: (1) consent regarding the date required for marketing activity, identifying payment alternatives for the credit and for creating the user account, (2) performing the crediting/factoring/discount contract, know-your-customer, analysis of customer creditworthiness, risk assessment, offering, signing the crediting contract, credit drawdown, credit management, cashing related to credit contracts, collecting/transfer/execution activities, (3) as well as the fulfillment of the applicable legal provisions (specific law in the field of crediting/factoring/discount, law on money laundering and fighting terrorism, sectorial law) (4) legitimate interest for the performance of actions for preventing frauds that may occur in the crediting/factoring/discount activity, representation in court for defending own rights.
Categories of recipients: Thusly, in order to facilitate the performance of action in relation to the crediting contract and for the fulfillment of legal obligations, Telecredit IFN SA communicates such data to the authorities and public bodies, operators, third parties or its attorneys or other categories of recipients such as:
Categories of attorneys
The transfer of the date is made depending on concrete cases, limited to the processing objective and making sure through the concluded contract that the Regulation requirements are met. Additionally, the attorneys are subject to the provisions of the Regulation similar to controllers (inclusively in terms of the request to erase or return the data).
Remember: The use of attorneys is justified by business reasons, most of the times for specialized professional services that can manage the required volumes and provide the technology through which the Controller can fulfill its attributions.
The data is not sent to all attorneys at the same time.
Categories of attorneys:
This type of communication is occasional or permanent, depending on the case.
Processing term: In order to determine the term for which the data shall be processed, we consider the contractual term until the expiration of contractual obligations, the NBR regulations and the archiving terms by the archiving law, order of the minister of finances. Additionally, for guarantees through consent, the term is as long as it is in force.
If you do not agree to the data processing according to the one specified above, we cannot provide our services, we cannot conclude the crediting contracts you request or we cannot perform the crediting contract in which you are /will be part. During the collection of personal data, the mandatory fields shall be distinctly marked with *.
Personal data processing for direct marketing
To the extent you agreed, Telecredit IFN SA and/or its partners process for direct marketing (1), for profile creation (2), personal data such as: name, date of birth, address, email, phone number. For the fulfillment of direct marketing purpose, Telecredit IFN SA, through specialized departments, select and analyze (3) one or several personal data specified above. Besides this, the following may also be used: gender, marital status, occupation, occupation field, income, employer, socio-demographic data, IP address, data about online behavior (visited web pages), data about the used device, with the specification that the entire data set is not used at the same time.
1) Direct marketing implies the sending of commercial offers, newsletters, invites to campaigns, offer customization, management of any loyalty or rewarding programs for consumers related to Client account, customization of communication with its customers using personal data related to clients history, previous options or products or services preferences and others as such. We say, to the extent you agreed, as if you expressed your disagreement, your data cannot be processed for direct marketing.
(2) “profile creation” means any form of personal data processing that consists of using personal data to assess certain personal matters referring to an individual, especially in order to analyze or provide matters concerning the economic situation, behavior, place where the individual is.
(3) selection and analysis are not purposes different from the initial purpose, nor freestanding processing operations, but methods through which direct marketing purpose is fulfilled.
Rights of individuals in relation to the personal data processing
According to the General Data Protection Regulation 679/2016, individuals have the right to access, information, rectification, erasure or forgetfulness, portability of data, 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 to access
Individuals have the right to access personal data and additional information. The right to access allows individuals to know and verify the legality of processing.
Right to rectify
The individuals’ right to rectify inaccurate personal data or to supplement them if they are incomplete.
Right to data erasure (“right to be forgotten”)
The individuals’ right to have their personal data erased. The right to erasure is, also, known as “the right to be forgotten”.
Right of portability
The right to data portability allows persons to obtain, reuse and have their personal data transferred to another operator, for own purposes within various services. In case this is technically possible, we will transfer your personal data.
Right to opposition
Individuals are entitled to oppose to: processing based on the legitimate interest or fulfillment of a public interest task/exercising public authority (including profiling), direct marketing (including profiling) and processing for the purpose of scientific/historic research and statistics.
Right to restrict the processing
Individuals are entitled to obtain the restricting of their personal data processing.
Rights related to the automated decisional process, including the creation of profiles
The concerned person is entitled to not be the subject of any decision based exclusively on automated processing, including the creation of profiles, which produces legal effects that regarding the concerned person or affect them in a similar way to a significant extent. In case you gave us your consent for the processing of personal data, you are entitled to withdraw such consent at any time.
In cazul in care ne-ati oferit consimtamantul pentru prelucrarea de date personale aveti dreptul de a va retrage oricand acest consimtamant.
Individuals are entitled to submit, directly or through attorney, a complaint to a supervision authority. If any of your data is incorrect or outdated, please notify us as soon as possible.
Daca unele din datele dumneavoastră sunt incorecte sau neactualizate, va rugam sa ne informati in cel mai scurt timp posibil.
For any requests you might have about the exercising of the rights specified above or the withdrawal of the consent, as well as for any questions regarding the ones hereby communicated, please contact Telecredit IFN SA at email: firstname.lastname@example.org to the attention of Data Protection Officer and/or at the postal address specified above.