Oper - Privacy Policy

Privacy notices (last update 29 July 2022)

Thank you for choosing to be part of our community at Oper credits (“company”, “we”, “us”, “our”). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about our privacy notice, or our practices with regards to your personal information, please contact our Data Protection Officer (DPO) at dpo@opercredits.com.

When you visit our website https://www.opercredits.com, and use our services, you trust us with your personal information. We take your privacy very seriously. In this privacy notice, we describe how we process your personal information. We seek to explain to you in the clearest way possible what information we collect, how we use it and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. If there are any terms in this privacy notice that you do not agree with, please discontinue use of our Sites and our services.

This privacy notice applies to all information collected through our website (such as https://www.opercredits.com), and/or any related services, sales, marketing or events (we refer to them collectively in this privacy notice as the “Sites“).

‍Please read this privacy notice carefully as it will help you make informed decisions about sharing your personal information with us.

English Dutch French German Italian Hungarian

1. What are our purposes and legal basis to process your information and what information do we collect?

Purpose

Legal basis

Categories of personal data concerned

Contracting mortgages
Relevant user segments: mortgage advisors, borrowers.We may contact our customers and end users, and use our customers’ and end users’ personal data, in order to facilitate the mortgage contracting process and ensure the needed data points and documents are in place to close the mortgage process

Performance of a Contract

For mortgage advisors, we collect contact details including but not limited to name, email address, and phone number.For borrowers, we collect :
‍
• Personal identification data and financial data including but not limited to name, email address, phone number, citizenship, residency, marital status, current address, copies of ID & passport, IP address.
‍
• Financial data including but not limited to pay slips, tax declarations, and property documents, expenses, savings, assets, existing credits, as well as related data such as employer name, contract type, and existing creditors.
‍
• Derived data including but not limited to additional costs to be paid towards getting a mortgage, loan offers that include potential lenders and financial products, and calculations & acceptance checks that determine credit worthiness.

Product Research.
Relevant user segments: mortgage advisors, borrowers, website visitors We may contact our customers and end users to request feedback on the usage of our products and services.

Legitimate interest

Contact details including but not limited to name, surname, email address, phone number, communications preferences

Sending marketing and promotional communications. Relevant user segments: mortgage advisors.
We may contact our customers with marketing and promotional communications.

Consent

Contact details including but not limited to name, surname, email address, phone number, communications preferences

Sending administrative communications
Relevant user segments: mortgage advisors, borrowersWe may contact our customers and end users for administrative purposes, such as password reset emails and notifications of changes within an ongoing mortgage application (for example uploaded documents, status changes).

Legitimate interest

Contact details including but not limited to name, surname, email address, phone number, communications preferences

To enforce our terms, conditions and policies.
Relevant user segments: mortgage advisors, borrowers, website visitorsWe may contact our customers and end users, and use our customers’ and end users’ personal data, in case this is necessary to enforce our terms, conditions, and policies.

Legal obligation

Contact details including but not limited to name, surname, email address.

To respond to legal requests and prevent harm, investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to security of our products and the safety of any person and illegal activities, or as evidence in litigation in which we are involved.

Relevant user segments: mortgage advisors, borrowers, website visitorsIf we receive a subpoena or other legal request, we may need to inspect the data we hold to determine how to respond.

Legal obligation, our legitimate interest or a vital interest.

Contact details including but not limited to name, surname, email address, and internet identifiers including but not limited to IP address, location, browser version.

For other Business Purposes. [BT1]
We may use your information for other Business Purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Sites, products, services, marketing and your experience.For more information on the cookies we use on our website, please see our cookie policy.

Consent

Personal identification data such as IP address, ; navigation data; geolocalisation and language preferences.

2. How long do we keep your information?

Google Analytics
‍
In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements).

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

3. Will your information be shared with anyone?

In Short: We only share information with your consent, to comply with laws, to provide you with services, to protect your rights, or to fulfill business obligations.

We may need to process your data or share your personal information in the following situations:

• Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

• Vendors, Consultants and Other Third-Party Service Providers. We may share your data with third party vendors, service providers, contractors or agents who perform services for us or on our behalf and require access to such information to do that work. Examples include: payment processing, data analysis, email delivery, hosting services, customer service, gathering feedback and marketing efforts. We may allow selected third parties to use tracking technology on the Sites, which will enable them to collect data about how you interact with the Sites over time. This information may be used to, among other things, analyze and track data, determine the popularity of certain content and better understand online activity. Unless described in this notice, we do not share, sell, rent or trade any of your information with third parties for their promotional purposes.

4. Who will your information be shared with?

In Short: We only share information with the following third parties.

We only share and disclose your information with the following third parties. We have categorised each party so that you may be easily understand the purpose of our data collection and processing practices. These third parties have been required to process your personal information only in accordance with our instructions and to maintain reasonable security of such personal information. As a general rule, the data that we collect from you is not transferred outside the European Economic Area (EEA). If we, in exceptional circumstances, do transfer data outside the EEA, we will ensure it is protected employing the following safeguards:
‍
• Transfer the data to a non-EEA country which has been awarded an adequacy decision by the European Commission;

• Put in place appropriate contractual measures, including standard contractual clauses, with the third party or the Oper Credits entity to ensure that the third party or the Oper Credits entity protect the personal data to the same standards as those required within the EEA.
‍
• Communicate and Chat with Users
‍
Communicate and Chat with Users
MailChimp
‍
Only with your consent, we may share your personal information with:

Retargeting Platforms
Facebook Remarketing and Google Analytics Remarketing

Social Media Sharing and Advertising
Facebook advertising

Web and Mobile Analytics
Google Analytics and Google Tag Manager

5. Do we use cookies and other tracking technologies?

In Short: We may use cookies and other tracking technologies to collect and store your information.

We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Policy.

6. How do we keep your information safe?

In Short: We aim to protect your personal information through a system of organisational and technical security measures.

We have implemented appropriate technical and organisational security measures in order to protect your personal information against loss, alteration, accidental or unlawful destruction, unauthorized disclosure of, or access. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our Sites is at your own risk. You should only access the services within a secure environment.

7. Do we collect information from minors?

In Short: We do not knowingly collect data from or market to children under 18 years of age.

We do not knowingly solicit data from or market to children under 18 years of age. By using the Sites, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Sites. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at dpo@opercredits.com.

8. What are your privacy rights?

In Short: In some regions, such as within the EEA, you have rights that allow you greater access to and control over your personal information. You may review, change, or terminate your account at any time.

In some regions, such as within the European Economic Area (EEA), you have certain rights under applicable data protection laws. These may include the right:

• To request access and obtain a copy of your personal information: you can request a copy of your personal information undergoing processing and/or demand access to your personal information;

• To request rectification: you are entitled to have incorrect personal information corrected or completed;o To request erasure (right to be forgotten): you have the right to have your personal information removed from our files. However, this right is not absolute, and some conditions must be met for this right to apply;

• To restrict the processing of your personal information: you have the right to request for the restriction of the processing of your personal information. Requests to restrict processing will only be granted where the requesting data subject has legitimate grounds to make such request;

• If applicable, to data portability: for personal information that you have provided to Oper Credits, you have the right to receive your personal information, processed by Oper Credits, in a structured, commonly used and machine-readable format and/or to transmit those data to another controller;

• In certain circumstances, you may also have the right to object to the processing of your personal information. Please note that this request may be refused if the data is necessary to be processed by Oper Credits for compelling legitimate reasons, or the establishment, exercise or defense of legal claims;

• If we are relying on your consent to process your personal information (e.g. direct marketing), you have the right to withdraw your consent at any time. Please note however that this will not affect the lawfulness of the processing before its withdrawal.

To request one of those rights please send an email to our dpo at dpo@opercredits.com. We will respond to your request within 30 days.

If you are a resident in the EEA and you believe we are unlawfully processing your personal information, you also have the right to lodge a complaint to your local data protection supervisory authority. You can find their contact details here: https://edpb.europa.eu/about-edpb/about-edpb/members_en.

9. Controls for do-not-track features

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. No uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy notice.

10. Do we make updates to this notice?

In Short:Yes, we will update this notice as necessary to stay compliant with relevant laws.

We may update this privacy notice from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

11. How can you contact us about this notice?

If you have questions or comments about this notice, you may contact our Data Protection Officer (DPO) by email at dpo@opercredits.com, or by post to:

Oper Credits BV
Lange Gasthuisstraat 29
Antwerp, 2000
Belgium
dpo@opercredits.com