© PrivateLending SA - 2020
Internet Site Conditions of Use and Disclaimer
By using this Internet Site of PrivateLending SA (“PrivateLending”), you fully and irrevocably acknowledge and agree that:
- PrivateLending, its employees or directors, its approved statutory auditors, its legal or other advisors do not accept, and therefore disclaim, any liability for any consequences arising from the use of this Internet Site or the information contained therein.
- The legally binding conditions between investors and borrowers shall be contained in the specific legal documentation pertaining to such investment and in the terms of use of PrivateLending.
- PrivateLending is not regulated nor supervised by any governmental authority and does not perform regulated activities.
- Ratings or credit assessments provided by PrivateLending are of indicative nature only, and PrivateLending shall incur no liability in connection therewith. Investments are made at the sole risk of the investor and such investor should properly make the relevant risk assessments before deciding to make and investment.
Privacy Policy – Section 1
General Terms
(Effective date: 1 January 2021)
1. Introduction
1.1. PrivateLending SA (“PrivateLending”) is active in finance, corporate finance and all matters involving the financing of corporations. To do so, PrivateLending gathers and processes your personal information in accordance with this privacy notice and in compliance with the relevant data protection Regulation and laws.
1.2. PrivateLending’s privacy policy is governed by the data privacy laws of the European Union i.e. the General Data Protection Regulation (GDPR) effective since 25th of May 2018.
1.3. This notice provides you with the necessary information regarding your rights and our obligations, and explains how, why and when we process your personal data.
2. Information that we collect
2.1. General – PrivateLending processes your personal information to meet our legal, statutory and contractual obligations and to provide you with our products and services. We will never collect any unnecessary personal data from you and do not process your information in anyway, other than as specified in this notice.
2.2 Personal data collected – The personal data that we collect from is (without limitation):- Name- Professional Affiliation- Professional Address- Professional Shipping Address- Professional e-mail- Professional Telephone Numbers- Data pertaining to Website Connection (e.g. IP address, device type, date of visit,...)
2.3. Ways of collection – We collect information in the below ways:
- Online forms
- Contractual processes between your company and PrivateLending
- E-mails or messages you sent to one of our staff members
- Visit to our headquarters or stands during a exhibition
- Business cards you gave to one of our staff members
- Calls and conversation with one of our staff members
- Cookies (concerning website connection)
3. Purposes and reasons for processing your personal data
3.1. The purposes and reasons for processing your personal data are detailed below:
- We collect and store your personal data with your consent to provide you with our marketing information, understand the effectiveness of our marketing, send certain marketing communications, deliver relevant advertising to you and notify you about changes to our service and ensure that the content from our website is presented in the most effective manner for you and for your computer.
- We collect and store your personal data in the performance of a contract between you and PrivateLending.
- We collect and store your personal data as part of our legal obligation for business accounting, tax purposes, fraud investigations, law enforcement assistance and any other legal obligations placed on us from time to time.
- We collect and store your personal data in our legitimate interests of providing the best service and growing and improving our business and services, keeping our website and systems safe and secure, understanding our customer base, identifying trends, defending against or exercising legal claims and investigating complaints.
4. Safeguarding measures
4.1. PrivateLending takes your privacy seriously. We work hard to protect you and your information from unauthorised access, alteration, disclosure or destruction and have several layers of security measures in place, including SSL, TLS, encryptions, pseudonymisation and restricted access
5. Sharing and disclosing your personal information
5.1. We will never sell or extract any financial value from your personal information by passing them to interested third-parties willing to commerce these personal data.
5.2. Nevertheless, we may pass on your personal information to third-parties acting as data processors on behalf of PrivateLending and which renders specific services to PrivateLending. Please note that we will ensure that all data processors acting on our behalf only process your data in accordance with instructions from us and comply fully with this data protection laws and ensure confidentiality and have security measures in place. The following third-parties currently intervene as data processors to PrivateLending.
6. How long we keep your data
6.1. PrivateLending only ever retains personal information for as long as is necessary and we have strict review and retention policies in place to meet these obligations.
6.2. Where we use your details for direct marketing, we will keep such data until you notify us otherwise and/or withdraw your consent (if based on your consent), or for two (2) years following your last activity with us, whichever is the latest. Other terms are specified in each specific sections related to a specific retention of personal data.
7. Your Rights
7.1. You have the right to (a) access any personal information that PrivateLending processes about you and (b) request information about:
- What personal data we hold about you
- The purposes of the processing
- The categories of personal data concerned
- The recipients to whom the personal data has/will be disclosed
- How long we intend to store your personal data for
- If we did not collect the data directly from you, information about the source
7.2. If you believe that we hold any incomplete or inaccurate data about you, you have the right to ask us to correct and/or complete the information and we will strive to do so as quickly as possible; unless there is a valid reason for not doing so, at which point you will be notified.
7.3. You also have the right to request erasure of your personal data or to restrict processing (where applicable) in accordance with the data protection laws; as well as to object to any direct marketing from us. Where applicable, you have the right to data portability of your information and the right to be informed about any automated decision-making we may use.
7.4. If we receive a request from you to exercise any of the above rights, we may ask you to verify your identity before acting on the request; this is to ensure that your data is protected and kept secure.
8. Lodging a complaint
8.1. PrivateLending only processes your personal information in compliance with this privacy notice and in accordance with the relevant data protection laws.
8.2. If, however you wish to raise a complaint regarding the processing of your personal data or are unsatisfied with how we have handled your information, please contact us at info@privatelending.be
9. Changes to this notice
9.1. PrivateLending may modify this notice but in this case, you will be notified regarding these changes with the opportunity to revoke your consent to the processing of your personal data subject to the new dispositions.
Privacy Policy – Section 2
PrivateLending Borrower’s Form: Informative Notice pursuant to the GDPR
(Effective date: 1 January 2021)
Prior to your use of the PrivateLending Borrower’s Form available on the PrivateLending website, which requests from you the provision of some of yourPersonal Data, PrivateLending (as a potential Data Controller) wishes to inform you (as a potential Data Subject) about the following while reminding you that your consent on this Informative Notice must be obtained prior to your use of the related form.
1. Identity and details of the Data Controller
PrivateLending SA
Chaussée deLouvain 435
B-1380 Lasne
Belgium
2. Purposes of the processing for which the Personal Data are intended
To contact PrivateLending through the Borrower’s Form for a preliminary discussion before a possible deeper contact, concerning a variety of reasons that are or will be determined by the Data Subject, notably (1) requesting additional information not appearing on the form, (2) the presentation of this investment opportunity to potential investors selected by PrivateLending and (3) the conclusion of a loan agreement with PrivateLending’s selected investors.
3. Legal basis for the processing
Article 6, 1, a) of the GDPR.
4. Recipient of the Personal Data
PrivateLending SA
Chaussée deLouvain 435
B-1380 Lasne
Belgium
5. Period for which the Personal Data will be stored
PrivateLending retains personal information only for as long as is necessary and we have strict review and retention policies in place to meet these obligations.PrivateLending will keep such data until you notify us otherwise and/orwithdraw your consent (if based on your consent), or for five (5) years following your last activity with us, whichever is the latest.
6. Other important information
The request for the provision of Personal Data for the use of thePrivateLending Borrower’s Form is not a statutory or contractual requirement and is not a requirement necessary to enter into a contract. In the absence of the provision of the requested Personal Data, PrivateLending will not allow the use of the Borrower’s Form. The consent of the visitor must be obtained to access the Borrower’sForm.
7. Rights of the Data Subject
As a Data Subject, you are entitled to the following rights:
- the right to request from PrivateLending (a) access to your Personal Data, (b) rectification of your Personal Data or (c) erasure of your Personal Data;
- the right to request from PrivateLending the restriction of processing concerning the Data Subject;
- the right to object to processing;
- the right to data portability;
- the right to withdraw your consent at any time;
- the right to lodge a complaint with a supervisory authority.
Privacy Policy – Section 3
PrivateLending Investor’s Form: Informative Notice pursuant to the GDPR
(Effective date: 1 January 2021)
Prior to your use of the PrivateLending Investor’s Form available on the PrivateLending website, which requests from you the provision of some of yourPersonal Data, PrivateLending (as a potential Data Controller) wishes to inform you (as a potential Data Subject) about the following while reminding you that your consent on this Informative Notice must be obtained prior to your use of the related form.
1. Identity and details of the Data Controller
PrivateLending SA
Chaussée de Louvain 435
B-1380 Lasne
Belgium
2. Purposes of the processing for which the Personal Data are intended
To contact PrivateLending through the Investor’s Form for a preliminary discussion before a possible deeper contact, aiming to, notably, (a) assess investment opportunities presented by PrivateLending with regards to DataSubject’s investment’s criteria, (b) enter into further discussions concerning the execution of a loan agreement between the Data Subject in its position of investor and a borrower presented by PrivateLending and (c) subsequently monitor Data Subject’s investments in connection or not with the loan agreement.
3. Legal basis for the processing
Article 6, 1, a) of the GDPR.
4. Recipient of the Personal Data
PrivateLending SA
Chaussée de Louvain 435
B-1380 Lasne Belgium
5. Period for which the Personal Data will be stored
PrivateLending retains personal information only for as long as is necessary and we have strict review and retention policies in place to meet these obligations.PrivateLending will keep such data until you notify us otherwise and/or withdraw your consent (if based on your consent), or for five (5) years following your last activity with us, whichever is the latest.
6. Other important information
The request for the provision of Personal Data for the use of thePrivateLending Investor’s Form is not a statutory or contractual requirement and is not a requirement necessary to enter into a contract. In the absence of the provision of the requested Personal Data, PrivateLending will not allow the use of the Investor’s Form. The consent of the visitor must be obtained to access the Investor’s Form.
7. Rights of the Data Subject
As a Data Subject, you are entitled to the following rights:
- the right to request from PrivateLending (a) access to your Personal Data, (b) rectification of your Personal Data or (c) erasure of your Personal Data;
- the right to request from PrivateLending the restriction of processing concerning the Data Subject;
- the right to object to processing;
- the right to data portability;
- the right to withdraw your consent at any time;
- the right to lodge a complaint with a supervisory authority.
Privacy Policy – Section 4
PrivateLending Hiring Form: Informative Notice pursuant to the GDPR
(Effective date: 1 January 2021)
Prior to your use of the PrivateLending Hiring Form available on the PrivateLending website, which requests from you the provision of some of yourPersonal Data, PrivateLending (as a potential Data Controller) wishes to inform you (as a potential Data Subject) about the following while reminding you that your consent on this Informative Notice must be obtained prior to your use of the related form.
1. Identity and details of the Data Controller
PrivateLending SA
Chaussée de Louvain 435
B-1380 Lasne Belgium
2. Purposes of the processing for which the Personal Data are intended
To contact PrivateLending through the Hiring Form for a preliminary contact to be, on a case-by-case basis, followed by either exchange of emails or discussions before a possible hiring interview, concerning the engagement of the Data Subject as an employee of, or a contractor to, PrivateLending.
3. Legal basis for the processing
Article 6, 1, a) of the GDPR.
4. Recipient of the Personal Data
PrivateLending SA
Chaussée deLouvain 435
B-1380 Lasne
Belgium
5. Period for which the Personal Data will be stored
PrivateLending retains personal information only for as long as is necessary and we have strict review and retention policies in place to meet these obligations.PrivateLending will keep such data until you notify us otherwise and/or withdraw your consent (if based on your consent), or for two (2) years following your last activity with us, whichever is the latest.
6. Other important information
The request for the provision of Persona Data for the use of thePrivateLending Hiring Form is not a statutory or contractual requirement and is not a requirement necessary to enter into a contract. In the absence of the provision of the requested Personal Data, PrivateLending will not allow the use of the Information Request Form. The consent of the visitor must be obtained to access the Hiring Form.
7. Rights of the Data Subject
As a Data Subject, you are entitled to the following rights:
- the right to request from PrivateLending (a) access to your Personal Data, (b) rectification of your Personal Data or (c) erasure of your Personal Data;
- the right to request from PrivateLending the restriction of processing concerning the Data Subject;
- the right to object to processing;
- the right to data portability;
- the right to withdraw your consent at any time;
- the right to lodge a complaint with a supervisory authority.
Privacy Policy – Section 5
PrivateLending Question Form: Informative Notice pursuant to the GDPR
(Effective date: 1 January 2021)
Prior to your use of the PrivateLending Question Form available on the PrivateLending website, which requests from you the provision of some of yourPersonal Data, PrivateLending (as a potential Data Controller) wishes to inform you (as a potential Data Subject) about the following while reminding you that your consent on this Informative Notice must be obtained prior to your use of the related form.
1. Identity and details of the Data Controller
PrivateLending SA
Chaussée de Louvain 435
B-1380 Lasne
Belgium
2. Purposes of the processing for which the Personal Data are intended
To contact PrivateLending through the Question Form for a preliminary question to be, on a case-by-case basis, followed by either exchange of emails or discussions before a possible deeper contact, concerning a variety of reasons that are or will be determined by the Data Subject.
3. Legal basis for the processing
Article 6, 1, a) of the GDPR. 4.
Recipient of the Personal Data
PrivateLending SA
Chaussée deLouvain 435
B-1380 Lasne
Belgium
5. Period for which the Personal Data will be stored
PrivateLending retains personal information only for as long as is necessary and we have strict review and retention policies in place to meet these obligations.PrivateLending will keep such data until you notify us otherwise and/or withdraw your consent (if based on your consent), or for two (2) years following your last activity with us, whichever is the latest.
6. Other important information
The request for the provision of Personal Data for the use of thePrivateLending Question Form is not a statutory or contractual requirement and is not a requirement necessary to enter into a contract. In the absence of the provision of the requested Personal Data, PrivateLending will not allow the use of the Information Request Form. The consent of the visitor must be obtained to access the Question.
7. Rights of the Data Subject
As a Data Subject, you are entitled to the following rights:
- the right to request from PrivateLending (a) access to your Personal Data, (b) rectification of your Personal Data or (c) erasure of your Personal Data;
- the right to request from PrivateLending the restriction of processing concerning the Data Subject;
- the right to object to processing;
- the right to data portability;
- the right to withdraw your consent at any time;
- the right to lodge a complaint with a supervisory authority.
Privacy Policy – Section 6
PrivateLending Information Request Form: Informative Notice pursuant to the GDPR
(Effective date: 1 January 2021)
Prior to your use of the PrivateLending Information Request Form available on the PrivateLending website, which requests from you the provision of some of your Personal Data, PrivateLending (as a potential Data Controller)wishes to inform you (as a potential Data Subject) about the following while reminding you that your consent on this Informative Notice must be obtained prior to your use of the related form.
1. Identity and details of the Data Controller
PrivateLending SA
Chaussée deLouvain 435
B-1380 Lasne
Belgium
2. Purposes of the processing for which the Personal Data are intended
To contact PrivateLending through the Information Request Form for a preliminary exchange of emails and/or a discussion before a possible deeper contact, concerning a variety of reasons that are or will be determined by theData Subject.
3. Legal basis for the processing
Article 6, 1, a) of the GDPR.
4. Recipient of the Personal Data
PrivateLending SA
Chaussée de Louvain 435
B-1380 Lasne
Belgium
5. Period for which the Personal Data will be stored
PrivateLending retains personal information only for as long as is necessary and we have strict review and retention policies in place to meet these obligations.PrivateLending will keep such data until you notify us otherwise and/or withdraw your consent (if based on your consent), or for two (2) years following your last activity with us, whichever is the latest.
6. Other important information
The request for the provision of Personal Data for the use of thePrivateLending Information Request Form is not a statutory or contractual requirement and is not a requirement necessary to enter into a contract. In the absence of the provision of the requested Personal Data, PrivateLending will not allow the use of the Information Request Form. The consent of the visitor must be obtained to access the Information Request Form.
7. Rights of the Data Subject
As a Data Subject, you are entitled to the following rights: the right to request from PrivateLending (a) access to your Personal Data, (b) rectification of your Personal Data or (c) erasure of your Personal Data; the right to request from PrivateLending the restriction of processing concerning the Data Subject; the right to object to processing; the right to data portability; the right to withdraw your consent at any time; the right to lodge a complaint with a supervisory authority.
PrivateLending Cookie Policy
1. General information pertaining to “Cookies”
1.1. A “Cookie" is a small data file made up of letters and numbers which is placed by a website on the device you use to access the Internet. Cookies serve different purposes and may be tied to personal data.
1.2. At PrivateLending, we use Cookies to help deliver and improve our website (www.privatelending.be) through information about website usage and settings, as described below.
1.3. How we use Cookies is governed by this Cookie Policy and by our Privacy Policy.
1.4. Our system will place Cookies on your device when you visit any page on our website unless you have selected not to accept Cookies or adjusted your browser settings to not accept Cookies.
1.5. To find out more about Cookies, including how to see what Cookies have been set and how to block, manage, and delete them, please visit www.allaboutcookies.org/manage-cookies/.
2. Types of Cookies, based on expiration & retention period
2.1. “Session Cookies” are used by PrivateLendingto (a) keep track of your input when you submit online data, (b) allow you tobe recognized from one page or selection to another, (c) provide us with information you have requested through an action, such as clicking a button or filling out a web form. Session Cookies always expire after the browsing session is over. Retention period for such Session Cookies is limited to the browsing session.
2.2. “Persistent Cookies” are used by PrivateLendingto remember your information, your browsing history, and your settings when you visit the PrivateLending website in the future. Persistent cookies also help us personalize and improve your experience. Persistent cookies stay in a folder on your device (a) unless you delete them manually, or (b) until they are automatically deleted based on the retention period of the Cookie’s folder.
3. Types of Cookies, based on use
3.1. “Technically Required Cookies” are required Cookies that make our website technically accessible to and usable for you. This applies to fundamental base functionalities such as navigation on the website, correct display in your internet browser or requesting your consent.Without these web technologies and Cookies our website does not work.
3.2. “Analytics and Statistics Cookies”are optional Cookies that help us gather statistics pertaining to the visits of our website. Analytics and Statistics Cookies pseudonymously measure and evaluate which functions and content of our website are used, how and how often.
3.3. “Browsing Comfort Cookies” are optional Cookies that help us constantly improve the user-friendliness and performance of our website. Browsing Comfort Cookies store settings selected by you and show selected content based on your usage behaviour.
3.4. “Marketing Cookies” are optional Cookies that enable us to show you content and advertising specially tailored to you on or from websites and social media sites. Marketing Cookies select and display content based on your usage behaviour.
4. Consent to Cookies and changes to this Cookie Policy
4.1. We must obtain your consent for all types of Cookies that we place, other than the Technically Required Cookies.
4.2. If you do not want to receive other Cookies while browsing our website, you can (i) indicate such in the banner appearing on the website by clicking “No” or (ii) modify your browser and/or mobile device settings so that it notifies you when receiving Cookies or you can choose to restrict or block Cookies. If you do not click “No” or adapt the settings to prevent the use of cookies, we assume your consent to the use of Cookies.
4.3. If you refuse Cookies by clicking “No” on the banner appearing on the website, Technically Required Cookies (for which no consent is legally needed) will still be placed on your computer, as well as a Cookie needed in order to register the Cookie option you have chosen.
4.4. We may, in our sole discretion, modify or update this Cookie Policy from time to time. If we make any material changes to this Cookie Policy, we will post a prominent notice on the website prior to the change becoming effective but will not beliable for any failure to do so. Therefore, we encourage you to periodically review this page for the latest information on our Cookies practices. Your continued use of the website constitutes your acceptance to be bound by such changes to this Cookie Policy. Your only remedy, if you do not accept the terms of this Cookie Policy, is to discontinue use of the Service.
5. List of CookiesYou will find below an overview of the Cookies we use on the website. Should this list be empty then our website is deemed not to use Cookies.
Cookie Name / Type of Cookie, based on expiration & retention period / Type of Cookie, based on functionality / Purpose of the Cookie and, if applicable, personal data collected
