Policy Privacy

 

This Privacy Policy describes how CMRC CRÉDITO, a consulting company specializing in credit intermediation based in Switzerland, registered under number 000.000.000.00, with headquarters in Rafz, hereinafter referred to as the “CONTRACTOR,” collects, uses, shares, and protects the personal information of website users, hereinafter referred to as “CLIENTS.”

 

By accessing and using the services offered by CMRC CRÉDITO, the CLIENT agrees to the practices described in this Privacy Policy. If the CLIENT does not agree with any part of this policy, they should refrain from using the services and the website.

 

1. INFORMATION COLLECTED

 

1.1. Personal Information Provided by the CLIENT: The CONTRACTOR may collect personal information provided by the CLIENT when filling out forms on the website, contracting services, or contacting CMRC CRÉDITO. This information may include, but is not limited to, name, address, email, phone number, financial information, and documents required to provide credit intermediation services and other related services.

 

1.2. Information Collected Automatically: The CONTRACTOR may automatically collect information about the CLIENT’s use of the website, such as IP address, browser type, pages visited, and visit duration, using technologies such as cookies and server logs.

 

 

2. USE OF INFORMATION

 

2.1. The information collected by the CONTRACTOR will be used for the following purposes:

 

a) To provide and manage the services requested by the CLIENT;

 

b) To assess the CLIENT’s financial profile in order to offer the best credit options and other services;

 

c) To facilitate the credit intermediation process with financial institutions;

 

d) To improve the user experience on the website and customize the content and services offered;

 

e) To comply with applicable legal and regulatory obligations.

 

 

3. INFORMATION SHARING

 

3.1. The CONTRACTOR may share the CLIENT’s information in the following circumstances:

 

a) With partner financial institutions for credit analysis and approval;

 

b) With third-party service providers who assist in performing the contracted activities, always under strict confidentiality obligations;

 

c) With government or regulatory authorities, as required by law or to protect the rights, privacy, security, or property of the CONTRACTOR.

 

3.2. The CONTRACTOR will not sell, rent, or share the CLIENT’s personal information with third parties for marketing purposes without the CLIENT’s explicit consent.

 

 

4. INFORMATION PROTECTION

 

4.1. The CONTRACTOR adopts appropriate security measures to protect the CLIENT’s personal information against loss, misuse, unauthorized access, disclosure, alteration, or destruction.

 

4.2. The confidential information and documents provided by the CLIENT will be stored in secure environments and will only be accessible to authorized CONTRACTOR employees or contracted third parties under strict confidentiality obligations.

 

 

5. CLIENT RIGHTS

 

5.1. The CLIENT has the right to access, correct, update, or request the deletion of their personal information stored by the CONTRACTOR. To exercise these rights, the CLIENT should contact the CONTRACTOR through the support channels available on the website.

 

5.2. The CLIENT may, at any time, revoke consent for the use of their personal information, which may affect the provision of contracted services.

 

 

6. CONFIDENTIALITY

 

6.1. The CONTRACTOR is committed to maintaining the confidentiality of all information and documents provided by the CLIENT, using them exclusively for the purposes necessary to provide the contracted services.

 

6.2. Similarly, the CLIENT agrees to maintain the confidentiality of the CONTRACTOR’s commercial information, business strategies, and other confidential data received, except where disclosure is required by law or authorized by the CONTRACTOR.

 

6.3. The confidentiality obligations established in this Privacy Policy shall remain in effect even after the termination of the relationship between the parties, for a period of 10 years.

 

 

7. DATA RETENTION

 

7.1. The CONTRACTOR will retain the CLIENT’s information for as long as necessary to fulfill the purposes for which it was collected, including to comply with legal obligations, resolve disputes, and enforce our agreements.

 

 

8. CHANGES TO THE PRIVACY POLICY

 

8.1. The CONTRACTOR may update this Privacy Policy periodically to reflect changes in our data handling practices or to comply with new legal requirements. Any changes will be notified to the CLIENT through the website. Continued use of the services after such changes constitutes acceptance of the new terms.

 

 

9. APPLICABLE LAW AND JURISDICTION

 

9.1. This Privacy Policy is governed and interpreted in accordance with the laws of Switzerland, with the application of international private law norms where necessary.

 

9.2. To resolve any controversies or disputes related to this Privacy Policy, the parties choose the jurisdiction of the city of [CITY], Switzerland, waiving any other, however privileged.

 

 

10. CONTACT

 

10.1. If the CLIENT has any questions or concerns regarding this Privacy Policy or the handling of their personal information, they should contact the CONTRACTOR through the support channels available on the website.

 

 

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CMRC CRÉDITO