Termeni si Conditii

All information on this website is property of TELECREDIT IFN SA, hereinafter called “Telecredit”TELECREDIT IFN SA, numita in continuare „Telecredit„. 

Telecredit may change the contents and/or structure of the website at any time and without any previous notifications. 

The information on this website is provided exclusively for information and must be used only for this purpose, not being deemed offers of financial products or services and not representing advice or recommendations for investments or contracting a loan or financial product. 

Telecredit is not liable for possible erroneous, incomplete or altered information, by any means, by third parties and it is not liable for possible direct/indirect damages caused/claimed by third parties as a result of using the information on this website. 

The products and services described on this website, as well as the presented marks or logos, are the exclusive property of Telecredit or other contractual partners of Telecredit; they cannot be reproduced or used by a third party, under the sanctions of the applicable laws.

Personal data processing

Company – TELECREDIT IFN SA

  • Address: Bucharest, Sector 2, 21 Tudor Arghezi St., 2nd floor
  • Trade Registry no.: J40/7586/2014
  • CUI (unique registration code): RO33317138
  • Contact no.: 021.9933

DPO – Simona Brinza

  • Address: Bucharest, Sector 2, 21 Tudor Arghezi St., 2nd floor
  • Contact no.: 0731005336
  • Email: dpo@telecredit.ro

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.

Special data
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:

  • For the fulfillment of certain legal requirements or upon their request, to: the National Bank of Romania, the National Office for Preventing and Fighting Money Laundering, legal auditors, other state authorities.
  • Services providers (including consultants, experts, notary offices, law firms, collection firms, receivers, IT & C services providers, marketing and courier services providers, archiving companies, banking institutions)
  • Upon the express request of: ANPC, courts of law, central and local public authorities, police, market research organizations.

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:

  • Accounting company (Bucharest)
  • Servers hosting company (Bucharest)
  • Accounting software company (Cluj)
  • Receivables collection company (Bucharest)
  • Receiver offices (Romania)
  • Tax authorities
  • Payments processors (Bucharest)
  • Banking institutions (Bucharest)
  • Communication services providers (Bucharest)

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: dpo@telecredit.ro to the attention of Data Protection Officer and/or at the postal address specified above.

Statement regarding the real beneficiary and the capacity of politically exposed person

The borrower/applicant states on their own responsibility that they are the real beneficiary of the amounts of money they requested as loan and undertake to immediately notify TELECREDIT about any change regarding the stated ones. The borrower/applicant understands and agrees that the grant of the loan conditional upon their capacity of real beneficiary of the obtained amount.

The borrower/applicant states on their own responsibility that they are not a politically exposed person (head of state, heads of government, parliamentary, European commissioner, member of government, presidential counselor, state counselor, state secretary, member of the constitutional court, member of the supreme court, member of the court of accounts, member of board of directors of central bank, ambassador, charge d’affaires, high rank officer in the armed forces, head of public institutions and authorities, member of the board of directors and supervisory councils or person with management positions of autonomous administrations, state owned trading companies and national companies), family member of such a person (spouse, child and their spouse, parent) or person publicly known as associated with such a person. The borrower/applicant undertakes to immediately notify Telecredit about any change occurring in the stated ones. The borrower/applicant understands and agrees that the grant of the loan is conditional upon their capacity of not being a politically exposed person, relative with one or publicly associated with such a person.

Agreement on the debiting of bank card

The borrower/applicant agrees to the method of reimbursement by Telecredit debiting their bank card. The borrower/applicant agrees that before concluding the contract, through the credit application, to provide their card data to the payments processor, partner of Telecredit, and that the information regarding their card to be verified and validated by Telecredit, authorizing it to perform a symbolic transaction, worth LEU 1, which shall be returned, without costs to the Borrower.

The borrower/applicant expressly and irrevocably authorizes Telecredit to debit their card with the amounts due by them on due date (total payable value), as well as the amounts representing penalty interests and costs charged by third parties due according to the contractual provisions, as applicable.

Cookies

The website www.omnicredit.ro uses cookies. This website uses as cookies own cookies as well as cookies from third parties in order to provide visitors with a much better navigation experience, adapted to their needs and interests.

The cookies uses on this website provide a valuable feedback and help us in the attempt to improve the online experience. The website uses cookies to improve the navigation experience. The information obtained from such cookies are stored in the database and on closing the browser the cookies are deleted from the user’s computer.

What is a “cookie”? 

“Cookie” means a text file containing information about the activity of a certain website user (visited pages, date and time of the visit, information regarding authentication on site). The collection of such data is exclusively made for the purpose of ensuring the security of the data collected through the website, as well as to improve the services offered by Telecredit to its customers. Each browser implicitly accepts “cookies”.

There are 2 large categories of cookies: 
Session cookies - they are temporarily stored in the cookies folder of the web browser so that it memorizes them until the user exits that website or closes the browser window (e.g.: at the time of log in/out of a webmail account or social networks)
Persistent cookies - They are stored on the hard-drive of a computer or equipment (and generally depend on the preset lifespan for cookies). Persistent cookies include the cookies placed by another website than the one the user is visiting at that time - also known as “third party cookies” - which may be anonymously used to memorize a user’s interests, so that the most relevant advertising is delivered to users. 

What are the advantages of cookies? A cookie contains information that connect a web browser (user) and a web server (website). If a browser accesses that web server again, it may read the already stored information and react accordingly. The cookies provide users with a pleasant navigation experience and sustain the efforts of many websites to provide comfortable services to users: e.g. - preferences regarding online confidentiality, options regarding website language, purchase cart or relevant advertising. 

What is the lifespan of a cookie?
Cookies are managed by web servers. The lifespan of a cookie may significantly vary, depending on the purpose for which it was placed. However, cookies may be deleted by the user at any time through the browser settings. 

How are cookies used by this website?
More information about the cookies this website uses you can find here: https://omnicredit/politica-cookie/.
With a clear understanding of their method of operation and the benefits they bring, you can take the necessary security measures so that you can navigate the internet with confidence. More details about Cookies are found here: https://cookiepedia.co.uk/.

Copyright

Telecredit holds all legal rights on the graphics, form, method of presentation, as well as any printed or electronically sent presentation materials. They are protected by the laws of copyright in force. The copying, reproduction by any means, multiplication, alteration, intervention on the form and contents of TELECREDIT websites, inclusively on the graphics, formats, methods of presentation and structure of information, materials generated through the website are not accepted and are punishable by law.

Final clauses

The failure to observe the contractual terms, fraud or any behavior that prejudices Telecredit may lead to the suspension of your access to the services provided by Telecredit through this website.