At KreditFunds, we are deeply committed to protecting your personal data, and to this end, we apply policies, standards, procedures and controls in accordance with applicable regulations. The purpose of this Privacy Policy is to establish the basis under which we obtain and process your personal data, as well as to inform you of your rights in this regard. We recommend that you read this Policy carefully, as well as visit it regularly, in order to be aware of the latest version that has been published.

LEADS FOR FINANCE, S.L. (hereinafter, KreditFunds or us), with NIF: B67406025, with registered office at Carrer de Pallars, 193, 08005 (Barcelona) and registered in the Mercantile Registry of Barcelona, ​​volume 46865, folio 53, page B533516, entry 1.

Your personal data will be treated in accordance with the provisions of this Privacy Policy. If you need to contact us to resolve any questions or queries, you can do so by email at info@KreditFunds.com or by post, sending your request to our address mentioned in the heading.

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How do we obtain your data?

We may collect your personal data because you have provided it to us directly (through one of the communication channels we make available to you), for the purpose of requesting information from us, or making a query; also when you register and use our comparison and information services on financial products and services, when you participate in our contests or surveys, when you interact on any of our official social networks, or through any other operation or transaction we carry out with you. We also collect your personal data automatically through your browsing on our website, by installing cookies or other tracking technologies or devices, as detailed in the corresponding Cookies Policy (https://kreditfunds.com/CP/index.php).

By way of example, but not limited to, the following categories of personal data may be processed, depending on the purposes for which they are used:

• Identification data (name and surname, gender, nationality, ID/NIE or passport number, etc.);
• Personal and social characteristics data (place and date of birth, marital status, children, etc.);
• Academic and professional data (training, qualifications, employment situation, professional experience, etc.)
• Data relating to credit and financial solvency files Contact data (address and country of residence, email, mobile or landline telephone number, etc.);
• Payroll data (net monthly income and type of employment) Electronic communications metadata;
• Profile data (preferences when receiving marketing information or for communications derived from the service or the consultation);
• Technical data when browsing the website (IP address, browser type, Internet provider, Internet service provider, character encoding, time zone, location, operating system, access devices, exit and web navigation, reference and exit pages, files viewed (HTML, graphics, etc.), page response times, download errors, duration of visits, methods used to leave the page).

The personal data provided must be correct, complete, accurate and duly updated, and the user is responsible for any direct or indirect damage that may arise from this failure to do so. Also, please note that if you do not provide us with all the data we request, we may not be able to provide you with the requested services and therefore offer you loans that are adapted to your needs and your particular situation. Therefore, failure to provide the required personal data or failure to accept this Privacy Policy means that we cannot process requests made on this website or through any other channel.

If you provide us with personal data of a third party or a representative, you declare that you have their consent to provide us with their data, and that you undertake to inform them of the content of this Privacy Policy before transmission.

How do we protect your personal data?

We have adopted the appropriate technical and organisational measures to provide a high level of security and confidentiality of information, and thus prevent the loss, misuse, alteration, unauthorised access and theft of personal data. In adopting these measures, we take into account the nature of the data processed, the scope, context and purposes of the processing, as well as the risks of various kinds and severity for the rights and freedoms of natural persons. Furthermore, all data entered into the website is protected by SSL (Secure Locker Layer) encryption technology.

If you suspect that your personal data is being misused or accessed without authorization, please let us know as soon as possible so that we can take appropriate action, by emailing us at info@KreditFunds.com.

For what purposes do we process your personal data?

To execute, maintain and manage the provision of comparison services and information on financial products and services that you have requested from us. The data that you provide us through the registration form will be processed in order to carry out the comparison of the financing products that suit your needs and your particular situation.

• To manage the collection of our remuneration from the lending entities with which we collaborate. The information and comparison services on financial products and services are free for our users, however, we may charge a commission for your contracting of the financial product to the lending entities with which we collaborate.
• To respond to your queries or requests for information, or your complaints and claims.
• To send you commercial, advertising or marketing communications about us and our services that may be of interest to you.
• To offer personalized services or content through the creation of profiles.
• To properly manage our company and maintain the security of our website, conduct market research and business development projects, improve our services, user experience and control the quality of these, comply with statistical purposes, as well as evaluate the effectiveness of advertising campaigns.
• Analyze user traffic data on the website.
• Manage the selection processes in which you are a part.
• To protect our rights and interests.
• To comply with applicable laws, regulations and rules.

We also inform you that we are present on various social networks. The processing of your data if you subscribe as a follower on any of our official channels on social networks will be governed by those conditions of use, privacy policies and other access, use and similar regulations that belong to the corresponding virtual community. In this environment, we will process your data for the purposes of correctly managing your presence there, resolving your queries, informing you of our services, or of third parties that may be related to our activity, as well as for any other similar purpose in accordance with the terms indicated.

On what basis of legitimacy do we process your personal data?

• With your express consent, to fulfil purposes such as sending commercial communications or using your browsing and web traffic data.
• Within the framework of the execution and administration of the contractual relationship for comparison services and information on financial products and services,
• The support of our legitimate interests, provided that they are within your reasonable expectations and that said interests do not prevail over your fundamental rights and freedoms. For example, in the ordinary management of our business and the improvement of our services, fraud prevention, or for the creation of commercial marketing profiles, or to manage the collection of our commissions with the lending entities with which we collaborate.
• The fulfilment of our legal, judicial, fiscal, accounting, administrative, data protection, or other obligations regulated by law; including collaboration with the State Security Forces and Bodies and national or supranational Public Administrations.

How long will we retain your data?

Pursuant to the principle of limitation of the retention period, we will retain your personal data for the time strictly necessary to carry out the purposes for which they were collected, as long as you do not request their deletion, as well as the time necessary to comply with the legal obligations and possible responsibilities that may arise, and which, in each case, correspond to each category of data. We may retain your personal data even after you have ceased to be our client, or you have requested the deletion of these to address possible responsibilities arising from the processing during the limitation period of these, but we will keep the data duly blocked, with restricted access, and only available to Public Administrations, Judges and Courts.

In the case of the processing of professional and academic data for participation in selection processes, they will be kept for a period of two years, counting from the day of their last update, unless you inform us otherwise.

In cases where we obtain data automatically through cookies, you can limit their use over time by deleting them from browsers or devices. You can consult more information in our Cookies Policy https://kreditfunds.com/CP/.

To which recipients are your data communicated?

When we communicate your data to other recipients, we undertake to ensure that they have appropriate technical and organisational measures in place to guarantee the confidentiality and security of the data transferred. Please note that our comparison and information services on financial products and services do not imply that we transfer or communicate your personal data to the lending institutions with which we collaborate. On the contrary, when you register and submit an application on KreditFunds, you will be redirected to the website of the lending institution you choose from among those selected by us to process your loan application. In this way, in general the data we share will be anonymised data, although some banks and financial institutions require us to share identifying data with them, such as your telephone number or email, to check their internal databases and thereby personalise their offer. In addition, some banks and financial institutions require us to share your ID number with them so that they can adjust or improve their offers, by consulting creditworthiness files or credit information systems, fraud in contracting, or other similar queries, in public or private files that comply with the legally established requirements. In these cases, we communicate your data because it is necessary for the provision of the service, so if you object to this, we will not be able to provide you with said service. However, we take additional measures to guarantee your privacy, so you can exercise your rights in these cases directly with KreditFunds, as indicated in the section ‘What right can you exercise?’.

We may disclose your data to certain recipients:

Providers of essential services to execute the service we offer you (for example, computer hosting companies or platforms for sending commercial communications). Notwithstanding the foregoing, these entities have signed the corresponding confidentiality agreements and will only process your data according to our instructions, and may not use them for their own purposes or other than the service they provide to us.

• Public Bodies. We may disclose to the competent public authorities the data and any other information that is in our possession or that is accessible through our systems when there is a legal obligation to do so, as well as when required, for example, when the purpose is to prevent or pursue abuses of the services or fraudulent activities through our Website or web page. In these cases, the personal data that you provide us will be kept and made available to the administrative or judicial authorities.
• In the event of a corporate transaction: In the event of a merger, acquisition, sale of all or part of its assets or any other type of corporate transaction involving a third party, we may share, disclose or transfer user data to the successor entity (even during the pre-transaction phase).
• To third parties after aggregation or anonymization: We may disclose or use aggregated or anonymized data (i.e. data that is not linkable to an identified or identifiable natural person) for any purpose.
• To third parties with the user's consent or other legitimate basis: In the event that we wish to share data with third parties outside the scope of this Privacy Policy, your consent will be requested in all cases or you will be informed of the same and its legitimate basis.
• To comply with our legal obligations, including Public Administrations, State Security Forces and Corps, Judges and Courts.

We also inform you that this Privacy Policy only refers to the collection, processing and use of information (relating to personal data) by us through your interaction with our Website. Access to third-party websites to which you may be redirected through links from the Website have their own privacy policies over which we have no control. Therefore, before providing them with any personal information, we recommend that you inform yourself about their Privacy Policies.

When it is necessary for your personal data to be processed on our behalf by a third party, such as a service provider, such processing will be governed by a written contract binding the processor to the controller, expressly establishing that the processor will only process the data in accordance with the instructions given to them by us, as controllers, committing to maintaining confidentiality and adopting appropriate security measures when processing your personal data.

We support responsible lending and may share your information for legitimate interests with Deudafix Reparadora legal Group SL, who offer a range of legal solutions to help you get out of debt and can contact you by phone, email or SMS.

Is your personal data transferred to third countries outside the European Economic Area?

Some of our service providers may be located in countries outside the European Economic Area (“EEA”).

The location of these companies outside the EEA implies the existence of an international transfer of your personal data, which could entail a lower degree of protection than that provided for in European regulations. However, at KreditFundsS we have implemented measures so that such transfers do not result in a lower degree of protection of your personal data.

In this regard, service providers located outside the EEA have signed the corresponding standard contractual clauses approved by the European Commission (“SCC”), an agreement signed by both entities by which the non-EU company guarantees that it applies European data protection standards.

Therefore, the use of these providers does not result in a lower degree of protection of your personal data than that which would result from the use of providers located in the European Union. You can consult the content of the SCC at the following link:

https://eur-lex.europa.eu/legal-content/ES/TXT/?uri=celex%3A32010D0087

How do we treat your data when we send you commercial, advertising or marketing communications electronically?

With your consent by checking the corresponding box, you authorize us to process the personal data you have provided to us (name and surname, telephone number, or email address) in order to send you, electronically (SMS, email, telephone call, virtual assistant telephone call, or any other equivalent means) commercial, advertising, or marketing communications that may be of interest to you regarding financial products and services. We may also use our legitimate interest to send you commercial communications regarding our loan information and comparison services, similar to those you have previously contracted, and you may object at any time: When you receive advertising emails, we will give you the option to unsubscribe via a link, which will be available at the bottom of the email.

We may also create commercial profiles to best adapt your needs, preferences and interests; however, no automated decisions will be made based on this profiling.

Your personal data may be communicated to third parties with whom we have contracted certain advertising or marketing services, who will act as data processors and who process your data following our instructions and in compliance with the rest of the contractual obligations.

At any time, you will have the right to object to this marketing processing, including profiling, as well as revoke your consent by emailing info@Kreditfunds.com.