Privacy statement

This privacy policy explains how Qredits gathers and handles data and how privacy is ensured. Through our privacy policy we let you know which data we store, what we send to third parties and/or other Qredits users and how you can gain insight into your data. We advise you to closely read this privacy statement.

 

Qredits

Qredits is responsible for the processing of personal data on and through the www.qredits.nl website. Qredits acknowledges that she is responsible according to the privacy protection law in the Netherlands.
Qredits is the trade name of the Qredits foundation (Stichting Qredits Microfinanciering Nederland). Qredits is situated at the Wierdensestraat 27, 7607 GE Almelo in the Netherlands and registered with the Chamber of Commerce under registration number 08183535. She can be reached by e-mail at info@qredits.nl.

 

Which data does Qredits collect and process?

By accepting this privacy policy statement you unequivocally give Qredits permission to use the data provided for the following purposes:

  • To deliver products and/or services such as credit, mentoring and e-learning courses;
  • For availability on the website;
  • For the registration of disputes and (alleged) infringement of intellectual property rights and/or other wrongful acts;
  • To send you information about possible future products and/or services of Qredits and its affiliates;
  • For the safety of the website c.q. protection of Qredits interests;
  • To consult anonymized statistics;
  • To implement possible legal obligations by Qredits;
  • To better align Qredits products and/or services to the needs of its users;
  • In the context of coaching and mentoring services;
  • To check and verify accuracy of your credit and solvency information with third parties;
  • To identify you;
  • For research purpose;
  • To deliver targeted marketing and advertising, (service) updates, newsletters and promotional offers.
  • •o offer you customer services.

You can only use Qredits products and services after you have set up a Qredits account. When you create an account you will be asked to provide certain data about yourself. The following data is mandatory:

Personal data

Gender, first name, initials, family name, date of birth, country of birth, nationality, marital status, address, current email address, mobile phone number, phone number, main source of income, highest level of education, Qredits awareness and possible involvement in bankruptcy.

Information on partner, business associates and partners of associates

Gender, first name, initials, family name, date of birth, country of birth, nationality, marital status, address, current email address, mobile phone number, phone number, main source of income, highest level of education.

Company data

Company name, Chamber of Commerce registration number and date of registration, type of legal entity, branch, address, telephone number, current email address and business plan. In the event of a credit application, the amount must be indicated as well.

Optional data to provide

Website name, name of bank, bank account number and possible additional files.
In addition you need to create a password that will be used for verification purposes in the future.
Qredits also processes Qredits users personal data in the context of promotional deals offered by Qredits. Qredits receives information based on your use of our products and / or services.

Qredits also processes automatically generated information about surfing behavior of users visiting qredits.com. This information is comprised of the IP address, browser type used and the pages visited.

We use data regarding your website visit behavior for research opportunities to further improve our communication about Qredits products and / or services. To be able to recognize you when you visit one of Qredits websites, we use cookies. We use these cookies to collect information about the webiste visits. The data you provide us in this way used is used by us in accordance to law and in a proper and careful manner.

Qredits makes use of Google Analytics to gain insight into the way website visitors use the website or mijn.qredits. Google Analytics uses cookies to track information about its website visits (qredits.nl) and/or mijn.qredits. This information (including your IP address) is processed by Google. Google may provide this information to third parties if it is required by law to do so and / or if third parties process the information on Google's behalf. Qredits has no influence on this. Qredits does not allow Google to use the acquired analytics information for the purpose of other Google services.

You can change the setting of your browser to not receive any cookies anymore. In that case Qredits cannot guarantee that all its products and / or services and features of the website will work correctly. Qredits can also receive additional information about you collected by third parties and add it to your data to the extent this is permitted by law. For example your credit score is checked by requesting information about you from a credit bureau or fraud prevention agency.

 

Acknowledgement, improvement and modification of your data

You can view your own (personal) data anytime and make the necessary adjustments to your account.

Under the Data Protection Act you have the right to freely and at reasonable intervals submit an inquiry to Qredits. If you want to know what information Qredits has recorded about you or if you want to change or delete data that you cannot change or delete in your account, you can make a request to do so.

Personal data shall not be kept longer than is legally allowed by Qredits. Qredits will delete your personal data when they are no longer necessary for the purposes for which they were collected.

 

Objection to processing of your data

If you object to the processing or providing of certain (personal) data to (certain) third parties you may notify Qredits about this.

Disclosure to third parties by Qredits

Qredits has the right to outsource the processing of (personal) data, or parts thereof, to (sub-) processors.

Qredits and the contracted (sub-) processors will not provide, rent or sell your personal information without your explicit consent, except when data is anonymized to be used for statistical or scientific purposes. Personal data shall solely be processed by Qredits (and her employees) and affiliated companies.

If required to do so by a legal stipulation or court order mandate Qredits will provide data to third parties. An exception is made if there are laws and / or regulations, or a judicial order that mandate providing personal data necessary in the interest of the prevention, investigation and prosecution of criminal (terrorist) acts and / or otherwise.

If you make payments via the Qredits website the necessary information to process this payment will be issued to your bank.

 

Data protection

Qredits finds it important that your (personal) data is safe with us. We therefore take appropriate technical and organizational measures to protect this data against loss or unlawful processing.

If you suspect abuse of your account, you are required to notify us.

We ask you to always log in via the homepage of our website and to check if the connection between your computer and our servers is encrypted. We also ask that you regularly check your password and never give it to third parties. You are solely responsible for the security of your password, user name, and your home network.

 

Links

The Qredits website may contain links to third party websites. These sites have their own privacy statements and Qredits is not responsible for their operations, including but not limited to, the way it handles data. Users who provide personally identifiable information to or through these third party sites must first examine the privacy statements.

 

Acquisition Qredits

In the event the activities of Qredits or the resulting or associated activities in the broadest sense of the word, are taken over by a third party, in whichever way possible, or if there is a merger or acquisition, you explicitly give Qredits permission by accepting this Privacy Policy to transfer your (personal) information to third parties.

 

Changes to Privacy Policy

This Privacy Policy may change over time as new features are added to the products and / or services of Qredits.

 

Questions related to this Privacy Policy

Should you have any questions about the processing of your personal data after reading this privacy statement or about your rights and obligations in this regard, please contact Ms. Van Pijkeren at Qredits at: P.O. Box 302, 7600 AH Almelo or via email at: jz@qredits.nl.

 

Privacy statement