Warning, borrowing money also costs money.

European Popular Credit respects your privacy and the privacy charter.

Our greatest reward is your satisfaction. That is why we handle your personal data with the utmost care. Our aim is to provide you with a professional service tailored to your expectations while effectively protecting your privacy. We have therefore carefully drafted this Privacy Charter, and we invite you to read it.

Who is responsible for processing your data?

The company SRL CPE Crédit, with registered office at Rue de la Paix 10, 7030 St-Symphorien, Belgium.

What is meant by the processing of personal data?

This refers to a set of actions that allow us to use a person’s data, such as collecting, recording, processing, or storing customer information. It is important to note that this policy applies exclusively to natural persons, not companies. By personal data, we mean any information that can directly or indirectly identify a person, such as their name, first name, date and place of birth, nationality, national registration number, address, employer, salary, marital regime, marital status, and other relevant personal data.

That is why SRL CPE Crédit ensures it only uses the data strictly necessary for the proper processing and thorough follow-up of your file.

That said, you are under no obligation to provide this personal data. However, if certain essential information for your file is missing, it may be difficult or even impossible for SRL CPE Crédit to process your request properly.

What personal data is involved in the processing?

  • Identification information: first name, surname, date and place of birth, postal address, email address, etc.

  • Sociodemographic information: family situation, marital status, etc.

  • Economic information: income, movable and immovable assets, etc.

  • Information related to your credit repayment: payment punctuality, possible delays, etc.

  • Information about your activity on our website: page views, loan simulations, requests made, etc.

  • Information obtained from our satisfaction surveys

  • Information collected via cookies: used to analyze your preferences and generate statistics.

SRL CPE Crédit limits itself to collecting only the essential data and does not process sensitive data such as your health status, ethnic origin, religious beliefs, or political opinions.

When are your data collected?

We collect your data notably when you contact our branches, respond to our requests by phone, email, or mail, when you participate in our surveys, or when you complete certain fields on our websites.

In addition, some data processing may be automated. This is particularly the case when approving or refusing loans, based on an algorithm that takes into account:

  • The applicant’s age

  • Their personal situation

  • Their professional situation (job stability, current and future income, employer’s reputation, etc.)

  • The amount, duration, and purpose of the loan requested

  • The guarantees offered

  • Existing financial obligations

  • The applicant’s credit history

Why does CPE use your data?

Your data is used to:

  • Create a precise and complete customer file for risk assessment

  • Better meet your expectations and offer appropriate solutions

  • Prepare and execute a credit or insurance contract

  • Ensure the protection of people and property

  • Conduct satisfaction surveys

  • Carry out statistical studies

  • Accurately assess risks of litigation or fraud

  • Comply with laws on anti-money laundering, fraud prevention, and terrorism financing

  • Respond to legitimate requests from judicial or regulatory authorities

The legal basis for data processing

The General Data Protection Regulation (GDPR) protects only the personal data of natural persons.

To whom may your data be transferred?

We attach the utmost importance to confidentiality.

Therefore, SRL CPE Crédit only processes your data after obtaining your consent and always with the aim of better meeting your needs. Concretely, we review your file, submit it to potential lenders, then provide you with a pre-contractual offer, and finally a contract. We also strictly comply with current regulations to effectively protect your privacy charter. Thus, your data will never be transmitted to individuals or organizations not involved in this process. Moreover, we never sell your personal information to commercial or marketing companies.

Finally, your data is recorded in our CLIP software or in those of our partners, exclusively for credit or insurance purposes.

Your data may be processed by one or more of the following partners:

Our partners

Consumer Credit

Mortgage Credit

Insurance

What are your rights and how can you exercise them?

8.1. General right to object to direct marketing

You have the right to refuse the use of your data for commercial purposes. To do so, simply contact us by phone, mail, or email: info@cpe-credit.com.

We will then delete your data and cease all commercial solicitations.

8.2. Right of access and rectification of data

You may request at any time to know what data is being processed and for what purpose. We will provide:

  • The type of personal data held

  • The purpose of the processing

  • The parties with whom it is shared

If your data is incorrect or incomplete, we will correct it after your approval. Contact us via phone, mail, or email: info@cpe-credit.com

How long is your data retained?

The retention period depends on the type of product subscribed to and legal obligations. We never keep your data longer than necessary.

As a general rule, we retain your data for 10 years. However, for a mortgage loan that may last up to 30 years, we retain certain information for the same duration. If you subscribe to insurance, we keep your data as long as you remain insured with our agency.

At the end of our business relationship, we usually retain your data for an additional year, unless otherwise indicated.

What happens if the Privacy Charter is modified?

We will always inform you of any important changes. You can consult this Policy at any time on our websites: cpe-credit.com or finday.be.

Our Data Protection Officer (DPO) is available via info@cpe-credit.com.

Complaint

Finally, if you are dissatisfied with our use of your data or suspect misuse, you can file a complaint with:

Data Protection Authority, Rue de la Presse 35, 1000 Brussels
By email: info@cpe-credit.com

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