Summer campaign!
Take out a loan for 6 months now and pay absolutely nothing for the first month!
(Deze aanbieding is slechts geldig tot 31 augustus)
(Deze aanbieding is slechts geldig tot 31 augustus)
Qeld understands the importance of your personal integrity and privacy. The purpose of this privacy statement is to describe how Qeld collects, stores, and why Qeld does this. In addition, this document describes your rights about your personal data that we process and how you can exercise them. You are always welcome to contact us with questions about data protection or other privacy-related matters by sending an email to privacy@qeld.nl.
In order to provide our services and offer business loans, we need to be able to process and use personal information as described in this privacy statement.
Information provided by you: This information includes information that you provide to us as part of the application process. This may include personal information such as a name, address, email address, telephone number and date of birth. It may also include other information about your business, such as a business plan, bank account details, and payment behavior information.
Information that we collect about you: As part of the credit review process, we need to collect certain information about you and your business. We do this to provide you with the best possible credit offer and to comply with our legal obligations under KYC legislation and anti-money laundering and terrorist financing regulations. We also collect information from third parties such as credit rating agencies and other publicly available information. This information may include:
Providing and improving our services. We process data to provide our services and provide business loans to small and medium-sized companies. As part of this process, we also collect data to improve our service. Below is an overview of how we process personal data and the legal basis for this:
PURPOSE (WHY WE NEED THE PERSONAL DATA) LEGAL BASIS (WHY IS IT NECESSARY TO PROCESS THIS DATA?) To verify your identity and confirm your personal information and contact information.Comply with our contractual obligations with regard to the application and to comply with applicable laws.To manage the loan application, including credit assessment and KYC requirements.Comply with our contractual obligations with respect to the application and to comply with applicable law.To administer the loan.Comply with our contractual obligations with respect to the application and to comply with applicable laws.To comply with applicable legislation, such as money laundering laws and accounting laws.To comply with applicable laws.To improve our services, for example, to improve our credit risk models and to minimize fraud.To achieve legitimate goals.For internal use, including data analysis, testing, research, and statistical use.To achieve legitimate goals.
Legitimate purposes mean that processing data is necessary to provide a high level of customer service.
Credit rating agencies: Your personal information may be shared with credit rating agencies and other background information providers. The reasons we do this are: to assess your creditworthiness in connection with the application process, to confirm your identity and to comply with legal requirements.
Third-party providers: We may transfer or share your information with selected third parties. We will then take all reasonable legal and technical measures to ensure that your information remains protected and transferred securely. In addition, in the event that Qeld either buys or sells assets, we may disclose personal information to third parties.
Government body: We have a legal responsibility to combat money laundering and terrorist financing. Where it is necessary to comply with these legal obligations, Qeld may share personal information with certain government bodies (e.g. the police, tax authorities or other authorities).
Marketing and Communication: We may also use your contact information to communicate with you. This may include customer satisfaction surveys or emails with relevant offers based on your previous relationship with you, and you can object to receiving marketing material at any time. Just send an email to privacy@qeld.nl with that request.
Where do we store your data? We try to process your data within the EU/EEA region. However, it may happen that at some point the data is transferred and processed outside the EU/EEA region by a supplier or subcontractor. We always take reasonable steps to protect your personal information and ensure that your data has the same level of security as the EU/EEA level.
How long do we keep your personal information? We keep your personal information for as long as we have to comply with our obligations to you as a customer and other legal obligations. We only keep the data for a longer period of time if this is necessary for a specific purpose.
Right of inspection. You may request information about your personal data that we process at any time. Requesting is completely free of charge.
Right of rectification. You have the right to correct incorrect information about yourself. We will then rectify the inaccurate information. In the same way, you also have the right to complete incomplete data.
Right to forget. You have the right to delete your information in special cases. However, as a financial institution, we have legal obligations to store certain parts of your personal information. In these cases, we will never use your personal information for any purpose other than to meet these requirements.
The Netherlands Authority for the Financial Markets (AFM) is responsible for managing applicable legislation in the Netherlands. Anyone who has reason to believe that personal information is being processed incorrectly by a company can file a complaint with the AFM.
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Qeld is a branch of Qred Bank AB, Sweden. Qeld is registered in the trade register with KvK number 72603372, and is located at Keizersgracht 391 A, 1016EJ Amsterdam, e-mail: support@qeld.nl for questions regarding privacy, please contact us at privacy@qeld.nl. Visit qeld.com/en for more information about us.
