This Privacy Policy describes how Istituto Valnero Capital collects, uses, stores, discloses and protects users' personal data in accordance with EU Regulation 2016/679 (GDPR) and applicable Italian data protection legislation. By using our website or services, users fully accept the practices described in this Privacy Policy.
The Data Controller is Istituto Valnero Capital. The Data Controller is responsible for determining the purposes and means of processing personal data and ensuring its security. For any enquiries regarding data processing, users may contact us by email at [insert email address], or at our registered office located at [insert address].
When using our website and services, we may collect information directly provided by users, such as first name, last name, date of birth, address, tax identification number, identity document, telephone number and email address, income and banking documentation, and IBAN details. We may also collect browsing data such as IP addresses, technical logs, device-related data and information obtained through cookies and analytical tools. In the context of credit assessments, we may process information relating to income, creditworthiness, financial situation and outstanding debts. We do not collect special categories of personal data unless explicit consent is obtained where necessary.
Personal data is processed to assess financing applications, manage pre-contractual and contractual relationships, provide services, verify identities, prevent fraud and comply with tax and legal obligations. Certain data may also be processed for statistical purposes or to improve our services, based on the Data Controller's legitimate interests. Any informational or promotional communications may only be sent with the user's prior consent.
Providing the requested data is necessary to access the financial services offered by the Company. Failure to provide such data may make it impossible to assess or process a financing application. Data used for non-essential purposes, such as marketing, may be provided voluntarily and will only be processed with the user's consent.
Personal data may be disclosed to partner financial institutions, banking institutions, tax or legal advisers, technology service providers, anti-fraud services or public authorities where required by law. Personal data is not sold or transferred to third parties for commercial purposes. Any transfers are governed by agreements ensuring confidentiality and regulatory compliance.
Where it becomes necessary to transfer personal data outside the European Union, appropriate safeguards in accordance with the GDPR will be implemented, such as Standard Contractual Clauses, European Commission adequacy decisions or other equivalent technical and legal safeguards. Users may request further information regarding international data transfers by contacting the Data Controller.
Personal data is retained only for as long as necessary to fulfil the purposes described in this Privacy Policy. Documents relating to tax and accounting obligations are retained for the periods required by law. Data processed for pre-contractual purposes is retained for a reasonable period, while data used for informational or promotional purposes is retained until consent is withdrawn. Once the applicable retention periods have expired, personal data is deleted or anonymised.
The Company implements appropriate technical and organisational measures to protect personal data against unauthorised access, loss, alteration or disclosure. These measures include IT security systems, internal procedures and security controls. Despite the precautions taken, no digital system can guarantee absolute security.
Users have the right to access their personal data and obtain confirmation as to whether or not it is being processed. They have the right to request the rectification of inaccurate data, erasure where the legal conditions are met, restriction of processing, data portability to another controller, objection to processing on legitimate grounds, and withdrawal of consent at any time. Users may also lodge a complaint with the Italian Data Protection Authority (Garante per la Protezione dei Dati Personali) if they believe their rights have been violated.
In certain circumstances, automated analysis tools may be used for financial and credit assessments. In all cases, the final decision is not based solely on automated processing and involves the intervention of qualified personnel. Users may request further information about the criteria used.
The website uses technical cookies necessary for its operation and may also use analytical and profiling cookies subject to the user's consent. Further details are provided in our dedicated Cookie Policy.
The Company reserves the right to amend this Privacy Policy at any time to reflect regulatory, technological or organisational changes. Any amendments will be published on the website and will take effect from the date of publication.
For information about this Privacy Policy or to exercise their rights, users may contact the Data Controller by email at: dpo.istitutovalnero-capital.com or at the registered office address indicated above.
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