Privacy Policy

ARTICLE 1. PURPOSE

The purpose of this data usage policy is to describe in a clear and transparent manner how HORIZON KREDIT, as the data controller, processes personal data.

It applies to all processing of personal data carried out by HORIZON KREDIT on its websites, mobile applications, during events or trade fairs, as well as to any direct marketing campaigns or studies carried out.

Personal data is any information relating to an identified or identifiable natural person (hereinafter data subject); an identifiable natural person is a natural person who can be identified, directly or indirectly, in particular by association with an identifier such as a name, an identification number, location data, an online identifier or one or more specific elements specific to them. their physical, physiological, genetic, psychological, economic, cultural or social identity.

HORIZON KREDIT makes every effort to ensure that this policy, as well as the way in which user data is processed in practice, complies with the amended law on the protection of personal data and the General Data Protection Regulation (or AVG). HORIZON KREDIT acts as data controller within the meaning of the regulations.

ARTICLE 2. DATA COLLECTED

Any data collection form on the HORIZON KREDIT website limits the collection of data to what is strictly necessary for the services offered. This data is collected within the framework indicated below (article 3).

However, additional data may be collected by HORIZON KREDIT if the user chooses to fill in the free fields on the site. Certain data must be transmitted so that the user can access the services offered by HORIZON KREDIT on its website.

ARTICLE 3. COLLECTION METHOD

We only use your personal data in the cases provided for by the regulations in force

• The execution of an agreement that we have with you,
• The execution of a legal obligation,
• Your consent to the use of your data,

The existence of a legitimate interest in the use of your data. Legitimate interest is a set of commercial or professional reasons justifying the use of your data by the publisher HORIZON KREDIT.

These purposes are based on the legitimate interest of the company HORIZON KREDIT to have the data of its users and contacts.

BENEFICIARIES OF THE COLLECTION

The data is intended for the company's services, to respond to your request (marketing, customers, etc.) or is kept as part of the contractual relationship.

THE DURATION OF THE CALL

The data will be kept and used for a period in accordance with applicable legislation.

ARTICLE 4. USE OF COLLECTED DATA

HORIZON KREDIT may use the personal data it holds to:

– to transmit commercial information about its products, promotions, offers, as well as other information relating to its products or services, tailored to the interests of the persons concerned;

– Information on products and offers from third parties – customers or business partners of HORIZON KREDIT – related to the position and/or related to an identified interest related to the activity of the person concerned or the organization to which he/she belongs;

– to market this information in the form of qualified databases to third parties – customers or business partners of HORIZON KREDIT – in relation to the position and/or in relation to an identified interest for the activity of the person concerned or the organization to which he/she belongs;

These personal data are used by HORIZON KREDIT as part of its activities relating to the promotion of its own products and services as customer canvassing on behalf of third parties. They will only be used within the strict limits of the applicable law.

ARTICLE 5. DATA HOSTING

All data collected and processed by HORIZON KREDIT is hosted within the European Union. However, in the event that one of its subcontractors is located outside the European Union, HORIZON KREDIT undertakes to take all necessary measures to ensure the security of its customers' and users' data.

HORIZON KREDIT also undertakes to verify whether these service providers comply with their data security and confidentiality requirements throughout the contractual relationship. Failing this, HORIZON KREDIT undertakes to terminate it.

ARTICLE 6. USER RIGHTS OVER THEIR DATA

In accordance with the amended Data Protection Act and the GDPR, the user has the following rights over their data:

• The right to request access to the processed data.
• The right to request the rectification or deletion of the data processed.
• The right to limit the processing of your data.
• The right to object to the processing of their data.
• The right to data portability.
• The right to lodge a complaint with the CNIL.

For any questions relating to the processing of their data and the exercise of their rights with regard to it (see article 6 hereof), the user must contact the data protection officer at the following address contact@horizonkredit.com

The latter undertakes to respond within 15 days.

ARTICLE 7. USE OF COOKIES

What is a cookie?

A cookie is a text file that is placed when you visit a website, application or online advertisement and is stored in a specific location on the hard drive of your computer or mobile device. Cookies are managed by your internet browser and only the issuer of a cookie can decide to read or modify the information it contains.

A cookie has a limited validity period. Archiving and storage on your terminal is carried out in accordance with applicable law and subject to the decisions you have made, which you can change at any time.

A cookie does not identify you personally. It allows the publisher to recognize your terminal and collect a certain amount of information relating to the navigation carried out from this terminal.

ARTICLE 8. CHANGES TO THIS POLICY

We regularly update and update this privacy notice. In the event of significant changes that may affect the rights of HORIZON KREDIT users, we will announce these changes in advance. This information is given in writing.

If you have any further questions regarding this data protection declaration or if you wish to exercise your right to information, rectification or deletion of data concerning you, you can contact us at the following address : contact@horizonkredit.com