Privacy Policy

PRIVACY POLICY

Responsible for the treatment:

Tavvuk Finance SPAIN, SAU (hereinafter Tavvuk Finance) with CIF: D02992830 and address at 4409 Birch Street,. 08006 - Indiana, contact telephone number 317 908 8540 and email: [email protected] .

The purpose of this Privacy Policy is to provide information on the rights of both the User and the Visitor under the General Data Protection Regulation (“RGPD”).

Likewise, we inform you that Tavvuk Finance has a designated Data Protection Delegate with whom you can contact through the following address ([email protected]).

For what purpose is your personal data processed?

At Tavvuk Finance we treat the information provided by the interested parties in order to:

  1. Provide, manage, administer, expand and improve the service and maintain the contractual relationship established between Tavvuk Finance and your
  2. Respond to your request and provide the requested and / or contracted service
  3. Verify your identity through online identification methods
  4. Evaluate your solvency by carrying out credit checks and accessing the information in the equity and credit solvency files
  5. Prevent and identify fraud, money laundering and terrorist financing
  6. Create statistical models and better assess company credit and operational risks. We use data to improve the quality and accuracy of our credit decisions.
  7. Keep you informed, even by electronic means, of any information, promotions, newsletters and advertising that may be of interest to you about the activity of the company and its services, as well as offering you new services adapted to your interests.
  8. Contact you in case of non-payment of a debt as well as communication of your personal data to solvency and credit information files.
  9. Any other use based on the legitimate interest linked to the relationship between Tavvuk Finance and the interested parties

What information is collected?

Tavvuk Finance collects data such as name and surname, date of birth, DNI / NIE, address, bank account, monthly income, email, IP address, mobile and landline phone and any other data that you choose to provide through the use of the telephone and / o email, date of birth, gender, marital status, number of children, employment status, company you work for, work phone number, monthly income and expenses, financial and credit card information, bank account number, transactions In bank accounts, personal description, voice recording, photograph or image, image of your identity document, signature and any other information that you decide to provide us with.

We can also record the phone calls we make with you.

How is your data collected?

We collect the data that you provide us directly through the form on our website.

We also collect your data through third parties, such as risk information centers or other partners or group companies.

How long is your data kept?

We inform you that we keep your personal data for the entire duration of the contractual relationship or for a longer period if you have authorized us to do so. Likewise, we inform you that your data will remain blocked for the attention of legal, administrative or fiscal claims, for the periods legally determined by each applicable regulation.

We will also consider whether, over time, we can reduce the personal data that we use and how we can do so, and if we can anonymize your personal data so that it can no longer be associated with you or identify you, in which case we may use that information without prior notice.

What is the legitimacy for the processing of your data?

The legal basis for the processing of your data is the execution of the loan contract that you have requested, or for the application of pre-contractual measures in order to process and manage your request.

Both the offer of products and services, as well as the transfer of data to third parties in the financial services sector, to which Tavvuk Finance belongs, and the marketing services sector, in order to send you commercial communications and information only and exclusively about products are based on the consent that is expressly requested by checking the box that appears in the form on the website, without in any case the withdrawal of this consent conditions the execution of the loan contract.

To which recipients will your data be communicated?

The data will be communicated to other entities of the Tavvuk Finance business group for internal administrative purposes, including the processing of personal data of clients and employees, as well as to third parties when there is a legal obligation (Public Treasury, Judges and Courts, Security Forces and Bodies , ...)

On the other hand, those in charge of the treatment may have access to your personal data.

International transfers of your personal data may be made to Tavvuk Finance service providers. These providers may be located in states outside the European Economic Area. When it has not been declared that they have a level of protection equivalent to the European one, Tavvuk Finance will adopt the corresponding standard contractual clauses or require adherence to the Privacy Shield.

Tavvuk Finance contracts its virtual infrastructure according to a Cloud Computing model through AWS whose servers are located within the European Economic Area.

Managers of the treatment located in the United States necessary for the execution of the order contract:

Iovation Inc. under the EU-US Privacy Shield agreement. Information available at:

https://www.privacyshield.gov/participant?id=a2zt0000000GomIAAS

Companies that provide us with a commercial service carrying out recovery activities, both extrajudicial and judicial, risk assessments, marketing activities, prevention of fraud and money laundering, payment processing and collection services, as well as companies specialized in buying and selling of debt portfolios.

Tavvuk Finance in case of non-payment of the loan, reserves the right, as long as the requirements demanded by the applicable regulations are met, to communicate said non-payment to files of financial solvency and non-payments, specifically, those managed by FICO (Credit Checker ) and Experian Credit Bureau (Badexcug).

These data will remain in the aforementioned files for 5 years from the end of the loan operation. You can exercise your rights before these entities at any time through the addresses that you will find on their web pages.

Tavvuk Finance guarantees that the companies receiving your personal data have the same security measures and have signed the corresponding data treatment contract.

What automatic decisions do we make about your personal data?

Tavvuk Finance makes automatic decisions for risk analysis and solvency evaluation to decide whether or not to grant the requested loan. Likewise, for the case in which the loan is not granted for the requested amount, to be able to offer you a proposal in accordance with said solvency analysis.

In any case, you can request human intervention at any time, you can express your point of view, you can request to receive an explanation of the decision made after the evaluation, as well as you can challenge the decision by sending an email to the address info @ tavvuk .com .

What data do third parties provide us about you?

We may receive information about you from third parties about your solvency, your financial position, your liabilities and debts, your employment situation, the pertinent records (including those containing information about income, credit history, debts against third parties, addresses, false identity documents , fraud, money laundering and terrorist financing, and politically exposed persons), agencies, financial institutions, third parties, and publicly accessible sources.

We may also receive information from banks, financial and payment institutions about the charges you have paid us.

From business partners responsible for providing technical, payment and delivery services, ad networks, analytical providers, and search providers when they offer us services.

In any other case in which you have consented to disclose your data to us.

What are your rights regarding data protection?

We inform you that you can exercise the following rights:

  1. Right of access to your personal data to know which ones are being processed and the processing operations carried out with them;
  2. Right to rectify any inaccurate personal data;
  3. Right to delete your personal data, when this is possible;
  4. Right to request the limitation of the processing of your personal data when the accuracy, legality or necessity of processing the data is doubtful, in which case, we may keep the data for the exercise or defense of claims.
  5. Right to object to the processing of your personal data, when the legal basis that enables us to process it is legitimate interest. Tavvuk Finance will stop processing your data unless it has an overriding legitimate interest or for the formulation, exercise or defense of claims.
  6. Right to the portability of your data, the right of the interested party to receive personal data that concern him, that he has provided to Tavvuk Finance, in a structured format, of common use and mechanical reading, and to transmit them to another data controller without being prevented by the responsible to whom they have been provided, as long as the conditions established in article 20 of the General Data Protection Regulation are met.
  7. Right to revoke the consent granted at any time, the consent given to process your data, without affecting the legality of the treatment based on the consent prior to its withdrawal.

We remind you, by legal imperative, of your right to file a claim with the Spanish Agency for Data Protection, if you consider that the data processing is not in accordance with European regulations.

You can exercise your rights by sending an email to the email address [email protected]

This Privacy Policy may need to be updated; It is therefore necessary that you review this policy periodically and if possible each time you access the Website in order to be adequately informed about the type of information collected and its treatment. You can find the Privacy Policy at the bottom of the Website. However, we will notify you of any modification to this privacy policy that affects the processing of your personal data.

Last update: May 18, 2018.

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