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PRIVACY POLICY



IBANONLINE respects your right to privacy and will only process your personal information in accordance with the Data Protection applicable laws and regulations. In particular, we are committed to keeping your personal information confidential and will only give it to others for the purposes set out in this Privacy Policy. This privacy policy governs the collection, storage and use of personal information collected by us, IBANONLINE, via our website at www.ibanonline.com , via our lending platform and by using our services. It provides you with details about the personal information we collect from you, how we use your personal information and your rights to control personal information we hold about you. Please read this privacy policy carefully – by accessing and using this website, you confirm that you have read, understood and agree to this privacy policy in its entirety. If you do not agree to this privacy policy in its entirety, you must not use this website or our services. We may update this Privacy Policy from time to time and so you should check back periodically. By continuing to use our website or our services, you agree to any such updates or amendments. In this privacy policy, the following terms have the meanings set out below: “IBANONLINE”, “we”, “us” and “our” means IBANONLINE S.R.L.; “IBAN Group” means us, our subsidiaries, our holding companies and any subsidiaries of those holding companies. “you” and “your” means a user of the website and the services provided via it. The information we may collect about you (a) When you access, browse this website (including when you submit personal information to us through data entry fields on the website), continue to use this website and through our application or verification processes, we may collect information from you, which may include the following personal information: (i) your name; (ii) your current and previous postal addresses; (iii) your phone, fax and e-mail details; (iv) your date of birth; (v) your passwords and security question answers; (vi) comments you make on blogs and discussion forums on the website; (vii) correspondence with us by email and post; We may also collect: (viii) financial information (including bank or building society account details and details of debit cards used in relation to our services); (ix) sensitive information (such as any medical information you disclose to us (although we will always get specific permission from you before recording this type of information); (ix) information you provide in our registration or application processes (including, if you are a borrower, agent or investor, certain personal, identity, contact and financial information about directors, partners, members, shareholders, beneficial owners and guarantors); (x) data about your activities using IBANONLINE, including information about your computer (for example, your IP address, operating system and browser type): for more information please see our Cookies Policy. (b) We may also obtain information about you from third parties including credit reference agencies, fraud prevention agencies, insolvency practitioners, debt advisers, tracing agents, commercial databases, marketing databases, public records and other publicly available information sources, including information about your business or company (e.g. previous credit applications, personal credit information, electoral register and fraud prevention information). (c) If you give us false or inaccurate information and we suspect or identify fraud, we will record this. (d) If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention authorities. How we may use your information Your information will be used to provide you with information and services that you request from us, to enable us to provide you with information that we feel may be of interest to you and for other legitimate business purposes. This may include for the purposes of assessing your application, opening and maintaining accounts, verifying your identity, transferring or receiving money and, if you are a borrower, enforcing loan provisions or tracing you in the case of a default. You confirm that we may use your information to contact you about our products and services we think may be of interest to you and may provide your details to carefully selected third parties for the same purpose. You may opt out at any time. We and other organisations may also access and use this information to prevent fraud and money laundering or terrorism financing, for example, when: (i) checking details on applications for credit and credit related or other facilities (ii) managing credit and credit related accounts or facilities (iii) recovering debt (iv) checking details on proposals and claims for all types of insurance (v) checking details of job applicants and employees Please contact us if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention authorities. We may also collect anonymised details about visitors to the website for the purposes of aggregate statistics or reporting purposes and to calculate referral fees. However, no single individual will be identifiable from the anonymised details we collect or disclose for these purposes. How we may share the information we collect about you Information you provide may be shared with the IBAN Group and certain of our service providers. You confirm that we may disclose your information to third parties, where we are under a legal, regulatory or professional obligation to do so, or where we merge, reorganise or transfer all or part of our business we may disclose information to successors of the business. You may opt out at any time. Where you have provided us with information about other people Where you provide information about other people, e.g. information about directors, partners, members, shareholders or beneficial owners other than yourself then you confirm that you have their consent to provide us with such information, that they have read, understand and agree to the terms of this Privacy Policy, including how we may use such information. What credit reference and fraud prevention agencies do (a) When credit reference agencies receive a search from us they will: (i) place a credit search “footprint” on your company credit file whether or not your application proceeds. If the search was for a credit application the record of that search (but not the name of the organisation that carried it out) may be seen by other organisations when your business applies for credit in the future; (ii) place an enquiry search on the personal credit files of any director/owner or partner that have been searched. Place an associate enquiry search on your personal financial partner’s credit file, if that is checked, if they are a director. These enquiry searches will not be seen by other organisations if any director/owner or partner applies for credit in the future; (iii) link together the previous and subsequent names advised by you, of anyone that is a party to the account; (iv) place an enquiry or identification search on the record of any shareholder who is a beneficial owner and who we have checked; (v) create a record of the name and address of your business and its proprietors if there is not one already. (b) Credit reference agencies supply the following information to us: (i) information about your business or company, such as previous applications for credit and the conduct of the accounts and also similar personal credit information in your name and of your business partners; (ii) public information such as County Court Judgments (CCJs) and bankruptcies; (iii) electoral register information on you and your business partners; (iv) fraud prevention information; and (v) confirmation or otherwise that the usual residential addresses supplied by directors match those on the restricted register held at Companies House. (c) Credit reference agencies will keep records of outstanding debt on file for six years after they are closed, whether settled by you or defaulted. (d) Your information will not be used by credit reference agencies to create a blacklist or to make a decision. (e) The information which we and other organisations provide to the credit reference agencies and fraud prevention agencies about you, your business partners and details about your business may be supplied by credit reference agencies and fraud prevention agencies to other organisations and used by them to: (i) prevent crime, fraud and money laundering or terrorism financing by, for example checking details provided on applications for credit and credit related or other facilities; (ii) check the operation of credit and credit-related accounts; (iii) verify your identity if you or your business partner(s) applies for other facilities; (iv) make decisions on credit and credit related services about you and/or your business partner, or your business; (v) manage your personal, your business partner’s and/or business credit or credit related account(s); (vi) trace your whereabouts and recover debts that you owe; (vii) conduct other checks to prevent or detect fraud; and (f) undertake statistical analysis and system testing. Organisations may access and use from other countries the information recorded by fraud prevention agencies. Right to access your information You have a right to access your information. If you would like to request a copy of your information or would like to change the information we hold about you, please contact us at info@ibanonline.com.