PrestaCap – Privacy Policy

Legal Agreement

 

Personal data”: any information regarding a physical person that identifies it or is deemed to identify it directly or indirectly, with particular reference to particular information such as the name or date of birth or any other personal characteristic.

Person”: is the person related to the Personal Data.

You” or “Your”: the applicant borrower subscribing on the PrestaCap platform (or anything related to it)

Data Protection Officer” (DPO): is the entity that has the duty of valuing and organizing the protection of the Personal Data.

Privacy Policy

This Privacy Policy represents the legal agreement between the user (also “you”) of the PrestaCap website (also “Website”), and PrestaCap (iBondis Limited) (also “us” or “PrestaCap” or “we”), as the owner of the Website. This privacy policy is intended to regulate the way in which we collect, store and use the information and data provided by you to us via the Website, email or telephone.

Who we are

PrestaCap (also representing the Data Protection Officer) is the trading name of iBondis Limited, company number 09289254, and is authorized and regulated by the Financial Conduct Authority (license no. 664197).  PrestaCap’s registered office is located at 101 Cavendish Avenue, Harrow, Middlesex, HA1 3RF, United Kingdom.

 Access to your data

The data provided by you is secured and it is handled by the DPO or a responsible person within the DPO department.

1. Collecting personal data

We collect data with respect to your identity, address, and other personal details related to you or to your business. We must be able to contact you in order to verify your identity or your business and collect additional information.

Other details might include the source from which you were referred to the Website and other information used for marketing purposes.

2. Processing and sharing your personal data

PrestaCap will use the following data, but not only, on your identity:

Data on your business such as:

  • Fiscal code
  • Financial data
  • Data related to the company management or UBOs

Data related to you visits on PrestaCap.com (our “Website”), including your IP address and browser.

PrestaCap gathers the following information with the aim of:

  • Verifying your existence and the existence of your business
  • Offering you a better service and the assistance you might need
  • Develop and improve our internal processes
  • Making statistical and processing analysis
  • Marketing activities, with your consensus
  • Sharing data with third parties, with your consensus
  • Fulfil any obligation required by the law

Processes in sharing your personal data

We might share your personal data with third parties, such as with credit bureaus, credit recovery companies or solicitors, anti-fraud services and for other security measures.

We will act with best effort to insure that these third parties are fulfilling any legal obligation related to the confidentiality of your data.

We might share your personal data with the FCA or other authorities if this is required by the law.

We will use your personal data to communicate with you in relation to ordinary or extraordinary events and occurrences related to you, to us or to an activity exercised by you on the Platform.

We might share your Personal Data with the following companies:

  • CERVED
  • CreditReform UK
  • Sanctions and criminal lists online platform

3. Changes of personal data

If you become aware that any of your personal data that you have shared with us including your profile information is incorrect, inaccurate or has changed, you are responsible to make respective changes or corrections on the Website and, if this is not possible, to communicate changes or corrections promptly to us in order for us to update your information.

Cookies

We use cookies which are considered necessary for the main activities of the Website. Some of them will be cancelled when you close the Website, others might be permanent unless you delete them from your browser.

All cookies can be blocked by setting the respective preferences in your browser.

By default, your browser will accept cookies, unless you change the respective settings.

For more details we suggest to follow the guide for your browser in order to be able to delete or change the settings in relation to cookies.

Cookies can be used for:

  • Authentication;
  • Protection;
  • Analysis and research.

Some of these will be cancelled as soon as you will exit our Website, whereas others will remain unless they are cancelled from your browser. With the adherence of this Privacy Policy, you declare to accept the use of cookies and similar technologies for the aims described in this Privacy Policy.

Data Security

We undertake best efforts to take all reasonable steps and organizational measures to protect your personal data aside in cases of “force majeur” whereby we can demonstrate that the DPO or the DPO team cannot be deemed responsible. Your data will be stored within the Microsoft Azure database for a period of 5 years as stated in the Financial Conduct Authority (SYSC 9.1.2).

The Microsoft Azure database is based in the EU in compliance with the European Regulation on treatement of personal data.

Communication between you and PrestaCap

  • You have the right to request a copy of your information in any moment and to verify their existence.
  • You have the right to request an update or correction of any Personal Data that is not correct or outdated.
  • You have the right to request the cancellation of your Personal Data stored by us o by third parties (right to be forgotten), and the right to not receive any notification via mail unless it is deemed strictly necessary by PrestaCap. You have the right to advance this request at any moment. The request will be considered and fulfilled within the terms dictated by the law. In case your request could be fully authorized we will cancel the information with no further due.
  • You have the right to present a complaint in respect of the norms of transparency on the conservation of any Personal Data.
  • In case your Personal Data would be used for online or offline marketing, you have the right to oppose in any moment.

In case you would like to make a request based on your rights above, we ask you to communicate it to PrestaCap via phone or via email at the following address: Privacy@Prestacap.com

No Waiver

If you or us fail to exercise any right or remedy within this Privacy Policy it does not constitute a waiver (if applicable) by you or us of such right or remedy.