Warning, borrowing money also costs money.

Crédit Populaire Européen 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, tailored to your needs while respecting and protecting your privacy.

That is why we have established this Privacy Charter very carefully. We invite you to read it carefully.

  1. Who is responsible for processing your data?

The SPRL Crédit Populaire Européen, whose registered office is located at Rue de la paix, 10 B.7030 St-Symphorien.

  1. What does the processing of personal data involve?

It involves a set of possible operations on an individual’s personal data. For example, the collection, recording, processing, or storage of customer data. As a reminder, the Privacy Charter does not apply to companies but to individuals. Personal data relating to an individual are the data that allow them to be identified. Name, first name, date and place of birth, nationality, identification number, address, employer, salary, marital status, civil status, or any other data relating to the person.

CPE will ensure to use only the data necessary for the proper processing and follow-up of your file.

The transmission of personal data by the client is not mandatory. However, it is very complicated or even impossible for the SPRL Crédit Populaire Européen to properly process your request in the absence of essential data for the creation of a customer file.

  1. What personal data is processed?

Identification data: name, first name, date and place of birth, postal address, email address…

Sociodemographic data: family situation, civil status,…

Economic data: your salary, your movable and immovable assets, …

Data related to the payment of your credit: Is your credit paid regularly? Does it or has it shown a certain delay?

Data related to your behaviors and browsing habits on the company’s websites: consultation of information, credit simulations, credit requests, …

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 desires. They also allow the collection of data necessary to establish statistics.

Crédit Populaire Européen limits itself to collecting information necessary for the ‘good father of the family’ processing of your file. We never process sensitive data such as a person’s health status, ethnic, political, philosophical, religious affiliation, or sexual orientation.

  1. When are your data collected?

Data is collected when you contact one of our agencies. When you answer our questions by phone, email, or mail. When you participate in one of our surveys. Or when you fill in certain fields on our sites.

Data processing is sometimes automated:

Automation allows accepting or rejecting a credit based on an algorithm. The relevant criteria are:

  • An individual’s age.
  • An individual’s personal context.
  • An individual’s professional context. For example, job stability, present and future income, the quality of an employer, …
  • The amount, duration, and purpose of the requested credit
  • The guarantees granted by the candidate.
  • The charges paid by the candidate.
  • The candidate’s credit history.

  1. For what reasons does CPE use your data?

To create a relevant and sufficient customer file for risk assessment.

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 conduct satisfaction surveys.

To carry out statistical studies

For optimal management of litigation or fraud risk.

To comply with laws and other obligations such as prevention in terms of money laundering, fraud, and terrorism financing.

To respond to any legitimate request from judicial authorities or regulatory authorities.

  1. The legal bases for data processing?

The European regulation on data protection protects an individual’s personal data. We are only talking about natural persons, not legal entities.

  1. To whom can your data be transferred?

Confidentiality is paramount.

Crédit Populaire Européen processes your personal data only with your consent. Always with the aim of best meeting your needs. We study your file, submit it to one or more lending partners, present you with a pre-contractual offer, and then a contract. All this while complying with current legislation and protecting your privacy. Under no circumstances will your data be transmitted to a person or organization that would not interfere in this process. Our company would never entrust or sell, for example, your personal data to a marketing company.

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 requests.

Your data may therefore be processed by one or more of our partners below:

Consumer credit

Elantis: https://www.elantis-direct.be/fr/charte-vie-privee

Bpost Banque/Krefima: https://www.bpostbanque.be/bpb/information-legale/declaration-de-confidentialite

Record Crédits: https://recordcredits.be/sites/default/files/public/
privacy-statement-record-credits-fr.pdf

Alpha Crédit: https://www.alphacredit.be/sites/default/files/privacy-notice-fr.pdf

Cofidis: https://www.cofidis.be/fr/nous-vous-conseillons/rgpd.html

Mortgage credit

Elantis: https://www.elantis-direct.be/fr/charte-vie-privee

Bpost Banque/Krefima: https://www.bpostbanque.be/bpb/information-legale/declaration-de-confidentialite

DEMETRIS: https://www.demetris.be/fr/privacy

Créafin: http://www.creafin.be/fr/a-propos-de-nous

HypoConnect: http://www.hyposmart.be/fr/vos-donnees-caractere-personnel-en-mains-sures

Crédimo: https://www.credimo.be/fr/disclaimer

Record Crédits: https://recordcredits.be/sites/default/files/public/privacy-statement-record-credits-fr.pdf

CKV: https://www.ckv.be/fr/confidentialit%C3%A9

EB Lease: https://www.eblease.be/votre-vie-privee-dealer

CFCAL: http://www.cfcal-banque.fr/web/public/accueil.aspx

Insurance

Allianz: https://www.allianz.be/fr/protection-des-donnees-personnelles/vos-droits.aspx

CARDIF: http://srd.cardif.be/FR/assurance-emprunteur-mentions-legales.html

AXA: https://www.axa.be/ab/FR/legal/Pages/clause-vie-privee.aspx#

Ardenne prévoyante: http://www.ardenneprevoyante.be/fr/protection-de-la-vie-privee

GENERALI: https://www.generali.be/protection-des-donnees.html

AEDES: https://www.aedessa.be/vie-privee-cookies-aedes

AFI ESCA: http://www.afi-esca.be/mentions-legales/

DELA: https://www.dela.be/fr/mentions-legales/declaration-vie-privee

AG: https://cookieservice.aginsurance.be/
SiteCollectionDocuments/PrivacyNotice_FR.pdf

NN: https://www.nn.be/fr/declaration-relative-a-la-vie-privee-et-aux-cookies

DKV: https://www.dkv.be/fr/privacy

BALOISE: https://www.baloise.be/fr/a-propos-de-baloise-insurance/protection-legale/privacy.html

ELITIS: https://www.elitisprotection.be/conditions-generales-dutilisation/#gdpr

VIVIUM: https://www.vivium.be/web/private-individuals/privacy

ALPHA INSURANCE: http://www.alpha-insurance.be/alpha-insurance-fr/

ALLIANZ: https://www.allianz-assistance.be/fr/confidentialite/

Bureau de tarification: http://www.bt-tb.be/auto/

IBIS: https://www.ibis-insurance-web.be/web/fr/

  1. What are your rights and how to exercise them?

8.1. General right to object to direct marketing

You have the option to object to the use of all collected data. Simply contact us directly by phone, mail, or email: info@cpe-credit.com

We will remove your data from our database, and you will 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 inquire at your convenience. We will inform you about:

  • The type of personal data we hold.
  • The purpose of data processing.
  • The recipients

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: info@cpe-credit.com

  1. What is the retention period for your data?

The retention period varies depending on the products you request and the regulations in force (regulatory authorities, accounting legislation, anti-money laundering legislation, …). They are never kept unnecessarily or beyond the time necessary for processing.

Often, your data is kept for 10 years. But for a mortgage 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 client, the data will be kept as long as you remain insured through our intermediary.

If the client relationship ends, we generally keep the data for one year for good measure. Unless otherwise advised by you.

  1. What happens in the event of a possible modification of the Privacy Charter?

We will inform you of any major changes.

You can also always consult the Privacy Charter on our site Cpe-credit.com

Our Data Protection Officer (DPO), that is, the person responsible for ensuring data protection, remains at your disposal. info@cpe-credit.com

  1. Complaint.

In case of dissatisfaction or misuse of your data, you have the option to file a complaint:

  • With the Data Protection Authority, rue de la Presse 35 in 1000 Brussels.
  • By email at contact(at)apd-kba.be.
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