Protecting personal data is very important to us and we do our utmost to ensure that you are protected and always informed and in control of the data you submit to us and that we process in our interactions and contractual relationships.
&If the EU Regulation 2016/679 on the protection of individuals with regard to the processing of personal data and on the free movement of such data entered into force on 25 May 2018. The new legislation aims to increase the level of protection of personal data and to ensure a transparent framework through which we can all have better control over personal data.
&In this regard, we provide below details of how Patria Credit manages your personal data and also the types of information we hold, &for what purposes, how we collect, store, use and disclose it.
PATRIA CREDIT INSTITUTIE FINANCIARĂ NEBANCARĂ SA (hereinafter referred to as “Patria Credit IFN SA”) with registered office în șoseaua Pipera, nr. 42, Globalworth Plaza building, et. 8, Bucharest, Romania, postal code 020112, Commercial Register number: J40/19452/2017, Fiscal Registration Code: RO 16129932, Share capital (subscribed and paid up): 13.539,230 lei, e-mail: office@patriacredit.ro, website: www.patriacredit.ro, înregistrée înregistrée ANSPDCP register of personal data processing under no. 5655, collects and processes personal data, în accordance with the legal provisions în matters of personal data processing and the free movement of such data.
Before providing personal data to PATRIA CREDIT IFN SA, please read below and understand how în which your personal data are used and the purpose în which they are used. If you are unclear about the information below regarding the processing of your personal data or would like further information, please contact the Data Protection Officer at the following contact address: office@patriacredit.ro or telephone 0800.872.874.
Protecting personal data is very important to us and we make every effort so that înc;t you SA are protected and always informed and îin control of the data you submit to us and that we process înc;in our interactions and îin contractual relationships.
Transparency is also very important to us and in our work we ensure the protection of fundamental rights and freedoms, respect the law and conduct ourselves in a professional, responsible and customer-friendly manner. To this end, in order to protect your personal data and to provide accurate and complete information to all customers and potential customers, we have set out in this document our policy on the management of your personal data and the types of information we hold, for what purposes and how we collect, store, use and disclose it.
We use your personal data to deliver the services or products you have requested from us (or a third party designated by you who has requested them îon your behalf). The provision of personal data for this purpose is not mandatory, but refusal to provide it leads to the impossibility to provide you with our services, and the processing of such personal data may be carried out without your consent to the processing.
We are subject to our legal obligations arising from national and EU regulations (e.g. regulations on: Know Your Customer and prevention of money laundering and terrorist financing, fraud prevention, distribution of financial investment services, tax certifications and taxes, etc), as well as from legal regulations and instructions issued by supervisory and control authorities (e.g. National Bank of Romania, National Office for the Prevention and Fight against Money Laundering, Financial Supervisory Authority, Ministry of Finance, Fraud Investigation Services, etc). The provision of personal data for these purposes is mandatory and no consent is required for the processing of data for these purposes.
We carry out functional activities for the promotion and marketing of our products or those of the Patria Group companies or third party partners, as well as activities ancillary thereto - the provision of personal data for these purposes is optional, and we require your consent to process such data.
The Patria Group includes: Patria Bank SA, Patria Credit IFN SA, Patria Investments SA – Subsidiary, SAI Patria Asset Management SA (together with the managed investment funds: FDI Patria Stock, FDI Patria Global, FDI Patria Obligațiuni), SC Imobiliar Invest SRL, SSIF Patria Invest SA.
We collect data from you &in the process of purchasing a product or service or when you enter into any kind of contractual collaboration with Patria Credit IFN SA .
We have detailed below all the situations în which we collect data, as follows:
In order to benefit from our products and services, you must also become a customer of Patria Credit IFN SA. In order for you to legally become a client of Patria Credit IFN SA or to legally represent a client of Patria Credit IFN SA, the Institution is obliged to collect and process personal data about you as follows: the data contained în your identity card, including a copy thereof; your pseudonym; date and place of birth; domicile and, if applicable, residence; telephone number, fax, e-mail address; nationality; occupation and, if applicable, the name of your employer or the nature of your activity; important public position held, if applicable; identification data of the beneficial owner of your funds. If you do not wish to provide us with these data, you cannot become a client of Patria Credit IFN SA and thus a business relationship cannot be initiated with you.
IMPORTANT!
&In the course of the business relationship with PATRIA CREDIT IFN SA, îin order to comply with the legal regulations îin force and/or the legitimate interest of PATRIA CREDIT IFN SA to protect itself îin case of misunderstandings arising îin the course of the business relationship: automatically captures images that may contain the actions întreprense by you în the premises of PATRIA CREDIT IFN SA units, as well as în their immediate vicinity, (the images thus captured by PATRIA CREDIT IFN SA are not processed for the compilation of individual profiles and will be processed only în the purpose for which they were processed) and may în automatically record the telephone calls that you have with us, with your prior information.
We use your data for profiling and automated decisions.
&In accordance with the provisions of the legislation în matters of customer knowledge and the prevention and combating of money laundering and terrorist financing, as well as the implementation în international sanctions, PATRIA CREDIT IFN SA is obliged to classify you in terms of potential money laundering risk. We are obliged to carry out your risk classification based on criteria established by EU and national legislation. The processing of the risk rating based on these criteria is carried out by an automated process which aims to make the calculation process more efficient. Manual processing based on these criteria has the same result as automated processing and the same effects on your classification in terms of potential money laundering risk.
&If you are a partner / shareholder / beneficial owner / legal representative / authorised representative / guarantor / natural person guarantor of a client PATRIA CREDIT IFN S.A, in order to comply with the legal provisions for classifying the target clientele by default risk categories, based on the general risk profile of PATRIA CREDIT IFN SA, the client is classified by default risk criteria according to socio-demographic, professional or qualitative variables based on the information provided in the credit application. The default risk rating is processed on the basis of the criteria and scores set out in the procedure.
How will personal data be communicated to you?
&In the course of the business relationship, in order to comply with legal and contractual regulations, and depending on the available communication channel chosen by you (over-the-counter support, email) you will receive from PATRIA CREDIT IFN SA information containing personal data.
Please note that your choice to use email to receive information may not ensure a satisfactory degree of protection of the confidentiality of your personal data for reasons beyond the control of PATRIA CREDIT IFN SA.
If you consider that the use of email for the transmission of your personal data is not satisfactory from the point of view of maintaining confidentiality, please choose another channel for communicating your personal data to you.
Communication of information about PATRIA CREDIT IFN SA
products and services&If we obtain your freely given consent, PATRIA CREDIT IFN SA may use your contact details (mailing address, telephone and email) îfor the purpose of informing you about its products and services or those of the companies in the Patria Group mentioned above. You have the right to withdraw this consent at any time, without affecting the lawfulness of the processing carried out on the basis of your consent given before its withdrawal.
The use of your data by PATRIA CREDIT IFN SA for the purpose of improving the products and services it offers you
Independent of the legal/contractual purpose for which they were collected, în legitimate interest, PATRIA CREDIT IFN SA may use the data provided by you în statistical purposes for the development of new products and services. The processing of your personal data & in legitimate interest for the development of the business of PATRIA CREDIT IFN SA cannot and will not prejudice your fundamental rights and freedoms.
PATRIA CREDIT IFN SA will keep confidential the personal data collected about which it has informed you above and will not disclose or transmit it to any third party without a legal/contractual basis or without your knowledge or consent, where required.
For the purpose of fulfilling legal or contractual requirements agreed with you, as well as în legitimate interest, PATRIA CREDIT IFN SA transfers part or all of your personal data to recipients such as: The National Bank of Romania, the Central Credit Union, the National Authority for Consumer Protection, the National Authority for the Supervision of Personal Data Processing, the National Office for the Prevention and Combating of Money Laundering, the Criminal Investigation and Investigation Bodies at their request according to the law, as well as any other entities that may request personal data about you or about the operations carried out by you, în entitled by legal provisions; to the entities of the Patria Group, for suspicious transactions/suspected money laundering, în case în case you are also the client of that entity; any other natural or legal persons with whom PATRIA CREDIT IFN SA will înclude agreements for înde fulfilment of contractual obligations (National Tax Administration Agency, appraisers, notaries public, operators of the Electronic Collateral Archive, IT service developers, insurers etc..); natural or legal persons with whom PATRIA CREDIT IFN SA has contractual relations and with whom it offers services related to credit products; in the legitimate interest, PATRIA CREDIT IFN SA will process your personal data and transfer your information to legally authorized institutions for the recovery of any claims that may arise from the execution of contracts; to any entities other than those listed above for which we request and have your consent; & for the purpose of carrying out contractual relations and fulfilling legal obligations, your data may be transmitted in Romania and in countries in the European Union and outside the European Union, including the United States of America.
PATRIA CREDIT IFN SA is legally obliged to keep identity data and secondary or operational records and records of all financial transactions arising from the conduct of the business relationship with you or an occasional transaction for a period of at least 5 years from the end of the business relationship or from the completion of the occasional transaction, in an appropriate form, including for use as evidence in legal proceedings.
If you decide SA în terminate business relations with PATRIA CREDIT IFN SA, în the sense în that you are no longer a partner / shareholder / beneficial owner / legal representative / empowered / guarantor / guarantor natural person of a client PATRIA CREDIT IFN SA , personal data concerning your identity collected îfor the purpose of entering into a business relationship with PATRIA CREDIT IFN SA will be deleted from the operational records of PATRIA CREDIT IFN SA after the legal retention periods mentioned above. The rest of the data that you provide to us becomes anonymous data (it cannot be identified as belonging to you) and may be used by PATRIA CREDIT IFN SA in legitimate interests, including for the development of PATRIA CREDIT IFN SA products and services, in accordance with the law, without prejudice to your rights and freedoms.
If, îon the basis of the application of a PATRIA CREDIT IFN SA client, for which you hold the status of associate / shareholder / beneficial owner / legal representative / empowered / guarantor / guarantor natural person, and îfollowing the assessments carried out by PATRIA CREDIT IFN SA, you and/or the applicant cannot become our client and/or cannot obtain a product or service presented în PATRIA CREDIT IFN SA offer, personal data concerning your identity collected for the purpose of entering into a business relationship with PATRIA CREDIT IFN SA will be deleted from PATRIA CREDIT IFN SA operational records. The rest of the data you provide us with becomes anonymous data (it cannot be identified as belonging to you) and may be used by PATRIA CREDIT IFN SA for legitimate interests, including for the development of products and services, in accordance with the law, without prejudice to your rights and freedoms.
PATRIA CREDIT IFN SA also keeps, in accordance with the specifications of the regulation on the protection of personal data, all documents collected for the purpose of contractual or pre-contractual relations with you as well as related transactions in electronic format and which are necessary for the establishment, exercise or defence of a right in court. To this end, a minimum set of data concerning your identity will be processed by PATRIA CREDIT IFN SA for the sole purpose of complying with the legislation in force with regard to the recording, inventory, selection, storage and use of the documents it holds.
În order to comply with the legal provisions on credit conditions, as well as în virtue of the legitimate interest to înclude credit contracts on the basis of appropriate and sufficient information and în the basis of a rigorous assessment of the capacity of the data subject to repay his/her credit în taking into account relevant factors îin accordance with the legal provisions, PATRIA CREDIT IFN SA keeps minimum and relevant personal data of former clients regarding their behaviour and capacity to repay the debts they have registered with PATRIA CREDIT IFN SA during the course of the business relationship, regardless of the product or service contracted from PATRIA CREDIT IFN SA. These data will not constitute a sole criterion for the approval or rejection of a future credit contracted by former clients of PATRIA CREDIT IFN SA, but will form part of the decision to assess the creditworthiness of the client at the time when he/she wishes to contract a new credit from PATRIA CREDIT IFN SA. Personal data processed for this purpose will be kept by PATRIA CREDIT IFN SA for an unlimited period.
Also, în the process of retention, legal reasons may arise for which we will be obliged to keep, process or disclose your personal data also after the period mentioned above.
These rights are recognized by Regulation 679/2016 on the protection of individuals with regard to the processing of personal data and on the free movement of such data, as well as: „right of access”, „right to rectification”, „right to erasure (right to be forgotten)”, „right to restriction of processing”, „right to data portability”, „right to object” and „right not to be subject to automated individual decision-making”.
Claims
If you have any objections to the way în which we use your data or wish to ask us to delete or restrict the way în which we use it, please contact us.
If you believe that your rights have been violated, you have the right to lodge a complaint by sending a written, signed and dated request to the National Authority for the Supervision of Personal Data Processing (ANSPDCP, www.dataprotection.ro)
Contact
We are constantly concerned about the protection of your personal data. You can contact us with any questions or requirements regarding our privacy and personal data protection policies and procedures. Here are our details:
Head office Patria Credit IFN SA: 42, Pipera road, Globalworth Plaza building, Et. 8, sector 2, Bucharest, Romania, postal code 020112
You can also contact us by email or telephone during office hours, using:
Phone: 0800 872 874
Email: office@patriacredit.ro
Eventual changes to this information will be brought to your attention by PATRIA CREDIT IFN SA, îin accordance with the provisions of Regulation 679/2016 on the protection of individuals îregarding the processing of personal data and on the free movement of such data.