The European Popular Credit respects your privacy.
Your satisfaction is our priority. That is why we treat your personal data with the utmost respect. Our commitment is to offer you a professional service, adapted to your needs while respecting and protecting your privacy.
Who is responsible for processing your data?
SPRL Crédit populaire européen, whose registered office is located at Rue de la paix, 10 B.7030 St-Symphorien.
What is the processing of personal data?
It is a set of possible operations on the personal data of an individual. For example, the collection, recording, processing or retention of customer data. As a reminder, the Privacy Charter does not apply to companies but to natural persons. Personal data relating to an individual is the data allowing him to be identified. The surname, first name, date and place of birth, nationality, identification number, address, employer, salary, matrimonial regime, marital status or any other data relating to the person.
CPE will make sure to use only the data necessary for the proper processing and follow-up of your file.
The transmission of personal data by the customer is not mandatory. However, it is very complicated or even impossible for SPRL Crédit Populaire Européen to correctly process your request in the absence of essential data for the constitution of a customer file.
What personal data is processed?
Identification data: surname, first name, date and place of birth, postal address, e-mail address, etc.
Socio-demographic data: family situation, marital status, etc.
Economic data: your salary, your movable and immovable assets, etc.
Your credit payment data: Is your credit paying regularly? Is he or has he fallen behind?
Data relating to your behavior and browsing habits on the company's websites: consultation of information, credit simulations, credit applications, etc.
Data concerning our satisfaction surveys
Data collected via cookies: Cookies are an integral part of a site and ensure its proper functioning. Their roles are multiple. They allow us to understand your preferences and wishes. They also make it possible to collect the data necessary to establish statistics.
The European popular credit is limited to the collection of information necessary for the "good father" treatment of your file. We never process sensitive data such as the state of health, the ethnic, political, philosophical, religious affiliation of a person or the sexual orientation of an individual.
When is your data collected?
The data is collected when you contact one of our agencies. When you answer our questions by phone, email or post. When you participate in one of our surveys. Or when you fill in certain fields on our sites.
Data processing is sometimes automated:
Automation makes it possible to accept or refuse credit based on an algorithm. The relevant criteria are:
- The age of an individual.
- The personal context of an individual.
- The professional context of an individual. For example job stability, present and future income, quality of an employer, …
- The amount, duration and purpose of the credit requested
- The guarantees granted by the candidate.
- Expenses paid by the candidate.
- Applicant's credit history.
Why does CPE use your data?
To compile a relevant and sufficient customer file for the risk study.
To best meet your needs by offering you the most suitable products.
To establish a credit or insurance contract and ensure its proper execution.
For the safety of people and property.
To carry out satisfaction surveys.
To carry out statistical studies
For optimal management of the risk of litigation or fraud.
To comply with laws and other obligations such as the prevention of money laundering, fraud and terrorist financing.
To respond to any justified request from judicial authorities or supervisory authorities.
Legal bases for data processing?
The European Data Protection Regulation protects an individual's personal data. We are only talking about natural persons, not legal persons.
To whom can your data be transferred?
Confidentiality is essential.
European popular credit processes your personal data only with your consent. Always with the aim of best meeting your needs. We study your file, we submit it to one or more lending partners, we submit a pre-contractual offer and then a contract. All this while complying with the legislation in force and protecting your privacy. Under no circumstances will your data be passed on to a person or organization that does not interfere in this process. Our company would never entrust or sell your personal data to a marketing company, for example.
Customer data is recorded in our CLIP management software or in the management programs of our partners. They are used exclusively in the context of your loan or insurance applications.
Your data may therefore be processed by one or more of our partners below:
What are your rights and how can you exercise them?
8.1. General right to object to direct marketing
You have the possibility to object to the use of any data collected. Simply contact us directly by phone, mail or email: email@example.com
We will delete your data from our database and you will then no longer receive any commercial offers.
8.2 Right of access and rectification of data
You obviously have a permanent right of access to your data. You are free to question us at your convenience. We'll tell you about:
- The type of personal data in our possession.
- The purpose of data processing.
If your personal data is incomplete or inaccurate, we will modify it with your consent. Contact one of our agencies, by phone, mail or email: firstname.lastname@example.org
How long will your data be kept?
The retention period varies depending on the products you request and the regulations in force (supervisory authorities, accounting legislation, anti-money laundering legislation, etc.). They are never kept unnecessarily or beyond the time necessary for processing.
Often, your data is kept for 10 years. But for a mortgage loan that can last 10, 15, 20 or even 30 years, some data will remain in our files for 30 years. When you are an insurance customer, the data will be kept as long as you remain insured through our intermediary.
If the customer relationship ends, we generally keep the data for one year for good shape. Unless you have a different opinion.
We will notify you of any major changes.
You can also always consult the Privacy Charter on our website Cpe-credit.com
Our Data Protection Officer (DPO), i.e. the person in charge of ensuring data protection, remains at your entire disposal. email@example.com
In case of dissatisfaction or misuse of your data, you have the possibility to lodge a complaint:
- At the Data Protection Authority, rue de la Presse 35, 1000 Brussels.
- By email at contact(at)apd-kba.be.