Online Privacy Policy
Our online privacy policy
Why do we collect your data?
- When you sign up on our website, use our web or mobile apps, fill out forms or apply for loans and other products and services on our website, in our offices, at our partners’ offices or websites, or otherwise.
- When reporting a problem or communicating with us about our products or services.
- When you participate in discussion forums, promotions or surveys, comment on our blog or use other social media features on our website or other activities performed through our websites or social media.
- When you participate in a competition, promotion or research in any way, including at our partners’ sites and trough social media.
- If you otherwise communicate with us through the above methods.
The information you provide us may include: your name (surname, surname, surname, name), ID / PIN, address, email address and telephone number, date of birth, gender, marital status, number of underage children, employee name, business phone number, monthly earnings and costs, financial information and credit card details, bank account number, bank account transactions, personal description, voice recording (incoming and outgoing calls), photo orimage, copy an identity document signature, and any other information you choose to provide us with. In order to use the full range of our remote payment services we can request access to the contact list in your mobile device without processing any personal data of your contacts. We will register, store and may use the information you provide to us in the ways listed above. It is also possible to record our communication over the phone.
How do we collect your data?
- When you provide us with information, for example, in attendance, by filling out our applications (including our partners’ and agents’), on our websites, social media, mail, e-mail, telephone, live chat or in any other way,
- automatically when you use our websites or products, and
- when provided by third parties, for example, credit registers, other companies in our group or partners.
Much of our automatic data collection is done by using cookies, tracking signals or other similar technologies. For more information, please see our Cookies and Tracking Policy.
What information do we receive from you?
- Information provided by you:
We may collect any information you provide to us: • When you sign up on our website, use our web or mobile apps, fill out forms or apply for loans and other products and services on our website, in our offices, at our partners’ offices or websites, or otherwise. • When reporting a problem or communicating with us about our products or services. • When you participate in discussion forums, promotions or surveys, comment on our blog or use other social media features on our website or other activities performed through our websites or social media. • When you participate in a competition, promotion or research in any way, including at our partners’ sites and trough social media. • If you otherwise communicate with us through the above methods. The information you provide us may include: your name (surname, surname, surname, name), ID / PIN, address, email address and telephone number, date of birth, gender, marital status, number of underage children, employee name, business phone number, monthly earnings and costs, financial information and credit card details, bank account number, bank account transactions, personal description, voice recording (incoming and outgoing calls), photo or image, copy an identity document signature, and any other information you choose to provide us with. We will register, store and may use the information you provide to us in the ways listed above. It is also possible to record our communication over the phone.
- The information we collect for you automatically:
Whenever you visit our website or use our mobile apps, we can automatically collect the following information: • Technical information, including the type of device, Internet Protocol (IP) address, and Internet Service Provider (ISP) used to connect your device to the Internet, your login information, plug-in type and version, time zones, operating system and platform, screen resolution, device locations, including specific geographic locations, such as GPS, Bluetooth or WiFi signals, font encoding; • Information about your visit, including the full Unified Resource Locators (URL), the sequence of clicks to, through, and from the website (including date and time); the products you’ve watched or searched for; (e.g., HTML pages, charts, etc.), page response time, download errors, duration of page visits, page interaction information (such as scrolling, clicking, and moving the mouse over certain items); the methods used to reach and exit pages, the date / time and / or click data, the types of content you see or interact with, other websites and apps you’ve visited, and any phone number used to call our call center. Please also see the section “How do we collect your data?”
- Information we receive from third parties.
We may request information about you from third parties, such as other companies in our group or credit bureaus. We do so in accordance with this Privacy Act and Regulation 2016/679 of the European Parliament and of the Council on the protection of individuals with regard to the processing of personal data and on the free movement of such data and, where necessary, we will receive and your prior consent. We may receive information from you from the following third parties in the following ways: In the course of each application you make for a loan or similar product, we may:
- look for information about you, your creditworthiness, your financial condition, past and present debts and debts, employment in relevant registers (including registers containing income information, credit history, debts to third parties, addresses, invalid identity documents, money laundering and terrorist financing, and politically represented individuals), agencies, financial institutions, other companies in our group and other third parties and publicly available sources;
- obtain the information you provide to credit intermediaries and our business partners when applying for services;
- receive information from banks, financial and payment institutions about your payments to us.
- from other companies and trading partners of TBI Bank EAD, with whom we cooperate in regard to the competitions, promotions or surveys in which you participate;
- business partners in technical and payment services, advertising networks, analytics providers, search providers when we use them to provide services;
- in any other case, when you have agreed to disclose your data to us.
How long do we keep your data?
Do we share your data?
- provide services on our behalf to identify and certify you;
- support our business activities such as hosting and website development, development and maintenance of information systems
- assist our activities through risk assessment and fraud detection, money laundering prevention and terrorist financing,
- to which we can assign debt collection and customer service,
- provide courier or other communication services;
- to which we commission analysis on the use of our services and support our marketing activities (advertising agencies, public relations agencies, research companies, etc.);
- other service providers that we need for the purpose of providing our services, improving their quality, and fulfilling our statutory obligations and our obligations to you and ensuring that you meet your obligations to us.
We may also provide your personal data to third parties in the following cases:
- at any time when we are legally bound, we may disclose information about your use of our services and your visits to our websites in order to comply with the law when we believe in good faith that disclosure is necessary to protect our rights, to protect your safety or the safety of others, to prevent and investigate fraud or to respond to requests from public authorities;
- for purposes of identifying, investigating and preventing fraud and helping with fraud protection, in order to reduce credit risk;
- to identify, investigate and prevent money laundering and terrorist financing activities;
- we can share your personal data with providers of similar services such as banks, consumer credit companies, credit bureaus and agencies, as well as relevant national authorities and non-governmental organizations and other third parties to ensure full assessment of your solvency;
- when processing and collecting direct debits or other payments due by you under a loan agreement, we may also share your personal data with third party payment service providers;
- in case of non-performance or poor performance on your commitments, we may transfer the data about your outstanding obligations to debt service providers, credit bureaus, and legal service providers.
- We can share your personal data with analysts and search providers that help us improve and optimize our websites.
- In the sale of any part of our business or the transfer of your obligations to us for the benefit of a third party, we may share your data;
- For any other purposes listed in the section “WHY DO WE COLLECT YOUR DATA?”
We may disclose your personal data to other companies in the TBI Bank EAD Group and / or 4 Finance that may provide you with various services on our behalf, in any case we will notify you in advance and if necessary under the applicable regulatory framework, we will request your prior consent for such provision. When transferring your data, we undertake to ensure that the recipient complies with the same security, personal data storage and handling as we do. For this purpose, we will sign appropriate contracts with the data recipients, which will provide for all reasonable measures to protect your data. Your personal data may be processed, stored and transmitted to third parties in the manner and in the scope provided in this Privacy Policy, in the contract concluded between you and us and in the consent you give us periodically. The data we collect for you may also be used for processing (including storage) outside of our country or the European Economic Area. The information we transfer can be shared with our service providers. This may include processes such as processing payments, data analysis (including fraud checks, risks and credit checks), data collection for the use of our websites and services for advertising purposes (including behavior-based ads), or offering assistance in view of your service or product needs. In such cases, we take all reasonable steps to ensure the security of your personal data in accordance with this Privacy Policy and the applicable regulatory acts. For example, we use the agreement with standard clauses of the European Commission, the EU-US Personal Data Protection Program, and the authorizations of the relevant data protection authorities to ensure that your data is safe.