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Privacy policy

  1. Who we are

Credilink - Intermediação de Crédito Lda (Credilink), NIPC 515700738, owner of the website https://credilink.pt/, is a Portuguese company operating in the financial sector, providing credit intermediation services.

Credilink is the Controller of Personal Data under Regulation (EU) 2016/679 (GDPR) and the complementary legislation on the protection of personal data in force in the countries in which it operates.

Credilink and its employees are committed to using your personal data only for the purposes communicated to you and always in a safe and responsible manner.

We want to explain to you how we use your information (your 'personal data') when you use our services or apply for a job.

If you have any questions about this Privacy Policy, please contact our Data Protection Officer (DPO) at dpo@credilink.pt.

 

  1. Personal Data

In this Privacy Policy, the term "Personal Data" means the set of information that relates to you and that allows us to identify you, directly or indirectly. Your personal data may include, for example, your name, your tax identification number, your telephone contact or email address and your interactions with us. We collect some of your personal data, for example, when you contact us.

We may also receive your personal data from other companies, including when they collect, process or store it in connection with the service they provide to us.

In accordance with the General Data Protection Regulation and Law 58/2019, Credilink will only process personal data of data subjects aged 16 or over. The personal data of data subjects under the age of 16 will only be processed after obtaining the respective consent from those exercising parental responsibilities.

 

  1. Personal data we process
  • When you contact us or use our services

What do we do?

When you contact us, we will process your personal data to answer your questions, clarify and/or provide our services. You can contact us by phone, email, as well as through our contact form, available on this website. If you do so, we will collect your name, e-mail address, country, telephone contact and the content of your message so that you can be identified and we can provide accurate information tailored to your needs.

In order to provide our financial advisory services, in the context of granting credit with Credilink partners, we will ask you to send the necessary documentation. Please refer to the list of documents and read Credilink's legal information. If you choose to communicate with us via WhatsApp, please read the WhatsApp Privacy Policy.

Where do we store the information and who do we share it with?

Your information will be shared with the financial institutions we work with. Please read Credilink's legal information. We use service providers that allow us to create the necessary infrastructure to develop our activity. Among the business solutions we have contracted for this purpose are Microsoft cloud and applications and SuricataCRM. Your data will be kept for the periods provided by law or until the purposes of the processing are exhausted, whichever is applicable.

Bases of Lawfulness

When we process your personal data to answer your questions or clarify our services, we will have the basis of lawfulness 'Legitimate Interest' according to Article 6, 1, f) GDPR. When we process your personal data for the provision of our financial advisory services in connection with the granting of credit with Credilink partners, we will be based on your 'Consent' in accordance with Articles 6(1)(a) and 9(2)(a) GDPR. When we have to comply with certain legal requirements resulting from applicable law (e.g. mandatory communications to regulators or administrative authorities), we will have the fulfilment of a 'Legal Obligation' as a lawful basis for processing the relevant information in accordance with Article 6, 1, c) GDPR.

 

  1. Information Security

We will treat your personal information with the utmost care and respect for your rights. We implement appropriate security measures to prevent the loss, misuse or access, alteration, or disclosure of your personal data. Likewise, we limit access to your information only to employees, service providers and other third parties who have an operational need to process such information, and will only process your personal data following Credilink's directions and will be subject at all times to an obligation of confidentiality.

 

  1. Retention of Information

We will retain your information for as long as we collect or process your personal data and until the purposes for which it was collected have been exhausted. At the end of the retention period, your information will be completely deleted. deleted or anonymized (e.g. it may be aggregated with other data so that it can be used for statistical purposes without any personal identifiers).

 

  1. How to exercise your rights

You have the right to request:

  • Access to your information processed by us, free of charge;
  • The rectification of your personal data when it is incorrect, outdated or incomplete;
  • The deletion of the data we hold about you, in specific circumstances, namely, when you withdraw your consent and we have no predominant legitimate interest, or when the purpose for which the information was collected is exhausted;
  • The portability of your data to another organization;
  • The limitation of the processing of your personal data, in specific circumstances, namely when we are considering an objection you have raised;
  • To object to the processing of your personal data, in specific circumstances, in particular where you withdraw your consent, or where you object on grounds relating to your particular situation;
  • That we do not use your personal data for direct marketing activities.

To exercise any of the above rights, please contact our Data Protection Officer (DPO) at dpo@credilink.pt.

 

  1. How to contact the Regulator

If you are dissatisfied with our use of your personal data or with our response to your request to exercise your rights, you may lodge a complaint with the National Data Protection Commission (CNPD).

Address: Av. D. Carlos I, 134 - 1.º, 1200-651 Lisboa

E-mail address: geral@cnpd.pt

Telephone: +351 213 928 400

 

  1. Questions?

If you have any questions or need further clarification, please contact our Data Protection Officer (DPO) at dpo@credilink.pt.

This Privacy Policy may be updated in due course, which will be disclosed. This policy was updated on 07/08/2023.