Privacy policy
Clicredit gives credit to your project, and your satisfaction is our priority. Respect for your privacy and the protection of your personal data in accordance with applicable legislation are part of this commitment. We process your data to manage your credit and/or insurance in the best possible way and to offer you products and information perfectly suited to your needs.
Who is responsible for processing your data?
Clicredit srl (hereinafter referred to as “Clicredit”), whose registered office is located at Place Didier, 24 B37 B-6700 Arlon, and its Luxembourg branch is located at 10, Rue Michel Rodange L-2430 Luxembourg.
This Charter aims to inform you about the processing of your data. Clicredit acts as an intermediary in credit and insurance. You can contact our Data Protection Officer (DPO) by writing to the following address: Clicredit, attention of the DPO – Place Didier, 24 B37, or by sending an email to info@clicredit.be.
The regulation regarding the processing of personal data only applies to individuals and persons representing a legal entity such as a company, a municipality, or an association. The regulation does not apply to the legal entity itself.
When Clicredit sends your file to a lender/insurer it collaborates with, the lender/insurer will act as the data controller, and Clicredit will act as a processor on behalf of the lender/insurer. For some of your personal data, Clicredit will remain the data controller even after the data is sent to the lender/insurer. This charter aims to inform you about the processing of your data.
What does personal data processing involve?
Personal data includes all information concerning an identified or identifiable individual. This could be a name, identification number, location data, online identifier, or any other information related to a person. The processing of personal data includes any possible operation on this data, such as collection, recording, use, or storage.
Clicredit processes your personal data for various purposes based on several legal grounds and ensures that only the necessary data is processed. You have no legal obligation to provide your personal data, but refusal may result in Clicredit being unable to establish or continue a relationship with you.
What personal data is processed?
- Identification data: (e.g., name and surname, date and place of birth, ID card number, photo, nationality, IP address, etc.)
- Contact data (e.g., postal address, email, phone number, mobile number, etc.)
- Socio-demographic data (e.g., family situation, marital status, number of children, etc.)
- Employment information (e.g., employer’s name, salary, type of employment, type of employment contract)
- Banking, financial, and transactional data (e.g., bank account number, expenses and debts, claims, bank account details, assets, etc.)
- Data related to your behaviors and browsing habits on Clicredit’s websites: consultation of information, simulations, requests, etc.
- Geolocation data (precise location)
- Data obtained from third parties: e.g., via a lender, consultation of the National Bank’s Central Credit Register for individuals, or external companies’ data such as lenders, insurance companies, reinsurers, which we use to complete and improve our records, etc.
- Data collected via cookies. Cookies are essential for the proper functioning of our websites and the optimization of your visit. They serve various purposes: retaining your preferences, collecting statistical data, adapting site content and/or advertisements according to your needs. Cookies allow you to access personalized pages automatically without having to log in and recognize your revisits.
- Any other information or data necessary for establishing or continuing our client relationship.
Clicredit does not process sensitive data such as racial or ethnic origin, political, philosophical, or religious opinions, union membership, or data related to sexual life or genetics.
When do we collect your data?
We collect your data when you contact Clicredit, for example, by phone, via one of our websites, via one of our partners, or when you visit one of our offices.
Why does Clicredit process your data?
We collect personal data as part of our credit and insurance intermediation activities, both online and offline. This includes, for example, submitting a credit/insurance application or communicating with us or visiting and using our websites.
We collect this data notably for:
- Managing your client file
- Assessing financial situations and repayment capacity, consumer solvency
- Granting, concluding, managing, and executing credits and services
- Combating over-indebtedness
- Fulfilling pre-contractual information obligations
- Combating money laundering and terrorist financing
- Complying with various legal obligations
- Combating fraud
- Responding to legitimate requests from judicial or regulatory authorities for data access
- Preventing abuse
- Providing information about our products and services
- Assisting and responding to your requests
- Assessing the conditions under which we can offer you a product or service
- Risk management (client relationship history)
- Continuously improving our services, channels, and processes (including websites)
- Ensuring personal security
- Conducting satisfaction surveys
- Carrying out statistical analyses
- Pre-filling data already known for existing clients when requesting additional products or services
- Direct marketing to offer you suitable products and services
- Proof purposes
- IT management and cybersecurity.
On what legal grounds does the processing of your data rely?
Clicredit processes your personal data only in one of the following cases:
- With your consent
- When you have given your consent to a third party (e.g., a garage to transmit your personal data to Clicredit)
- To comply with a legal or regulatory obligation
- To fulfill and execute a contract with you or take pre-contractual measures at your request
- On the legal basis of “legitimate interest”, we take all necessary steps to maintain a balance between Clicredit’s interests and yours, including the protection of your privacy.
To whom may your data be transferred?
Your data may be transferred to:
- Lenders for whom Clicredit acts as a credit intermediary:
- Alpha Credit, with headquarters at Montage du Parc 8 – Box 3, 1000 Brussels. For more details on the processing by Alpha Credit, you can consult its Privacy Charter.
- Elantis SA, headquartered at Rue des Clarisses 38, 4000 Liège. For more details on Elantis’ processing, you can consult its Privacy Charter.
- Europabank, headquartered at Burgstraat 170, 9000 Ghent. For more details on Europabank’s processing, you can consult its Privacy Charter.
- Record Credits, headquartered at Avenue Marnix 24, 1000 Brussels. For more details on Record Credits’ processing, you can consult its Privacy Charter.
- CA Auto Bank S.p.A, headquartered at Corso Orbassano 367, Turin, Italy, and whose Belgian branch is located at Avenue Herrman-Debroux 54, 1160 Auderghem. For more details on the processing by CA Auto Bank S.p.A, you can consult its Privacy Charter.
- Cofidis Belgium, headquartered at Chaussee de Lille 422a, 7501 Orcq. For more details on the processing by Cofidis Belgium, you can consult its Privacy Charter.
- Insurers for whom Clicredit acts as an insurance intermediary:
- AFI Esca, headquartered at chaussée de Nivelles 81, 1420 Braine-l’Alleud. For more details on AFI Esca’s processing, you can consult its Privacy Charter.
- Aviza, headquartered at Koninklijkelaan 74, 2600 Antwerp. For more details on Aviza’s processing, you can consult its Privacy Charter.
- Cardif, headquartered at Chaussée de Mons 1424, 1070 Anderlecht. For more details on Cardif’s processing, you can consult its Privacy Charter.
- Dela, headquartered at Noorderplaats 5 box 2, 2000 Antwerp. For more details on Dela’s processing, you can consult its Privacy Charter.
- Atradius Crédito y Caución S.A. de Seguros y Reaseguros, ICP division (“Atradius ICP”), headquartered at avenue Prince de Liège 78, 5100 Namur, for regulated credit insurance activities and in the context of our relationship with certain lenders. For more information, you can consult its Privacy Charter.
- The insurance broker, Assurline, headquartered at 28 Cité de l’Usine, 8450 Steinfort, Luxembourg. For more information, you can consult its Privacy Charter.
- Luxembourg credit intermediaries with whom we collaborate; the list is available at https://guichet.public.lu/dam-assets/catalogue-pdf/protection-consommateur/liste-intermediaires-credit/liste-intermediaires-credit.pdf
- Financial, judicial, or state authorities, public bodies, upon request and within the limits permitted by law
- Certain regulated professions such as lawyers, notaries, etc.
Please note that under no circumstances may your personal data be transferred outside the European Union.
What are your rights, and how can you exercise them?
- Right of access
You can obtain information regarding the processing of your personal data and receive a copy of that data. - Right to object
You may object at any time to the use of the data we collect, store, and process for reasons related to your particular situation. You have an absolute right to object to the processing of your personal data for direct marketing purposes, including profiling related to direct marketing. - Right to rectification
If you believe your personal data is inaccurate or incomplete, you can request that this data be amended accordingly. - Right to erasure
You can request the deletion of your data, particularly if:- The data is no longer necessary for the processing purposes
- You withdraw your consent, and there is no other legal basis for the processing
- You object to the processing
- The data has been unlawfully processed
- The data must be deleted to comply with a legal obligation.
However, the right to erasure is not absolute and can be refused under certain conditions.
- Right to restriction of processingIn certain cases, you have the right to request a restriction on the processing of your data.
