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Contents

•  Introduction
•  Data Controller and DPO
•  Purposes and lawful bases for the processing
•  Retention period of your personal data
•  Recipients of personal data
•  Transfers of your data outside the European Economic Area ("EEA")
•  Your rights
•  Contact us
•  Changes

Privacy Policy for Borrowers and Prospects

Date of last update: February 2023

Contents

•  Introduction
•  Data Controller and DPO
•  Purposes and lawful bases for the processing
•  Retention period of your personal data
•  Recipients of personal data
•  Transfers of your data outside the European Economic Area ("EEA")
•  Your rights
•  Contact us
•  Changes

Aware of the importance of ensuring the confidentiality of personal data and informing you of your rights and how your personal data is handled, SILVR ("SILVR" or "we") has prepared this privacy policy.


The privacy policy describes how SILVR processes the data of prospects (“prospects” or “users”) during the loan request analysis, and if the loan can be granted, of borrowers and, where applicable, their staff, during the performance of their loan agreement with SILVR.

1.   Data Controller and DPO

‍

When SILVR processes your personal data for any of the purposes mentioned in this privacy policy, SILVR acts as the controller of the concerned personal data. Below you will find the full contact details of SILVR:

  • SILVR Société par Actions Simplifiées ;
  • RCS Nanterre : 884 558 453
  • 144 avenue Charles de Gaulle 92200 Neuilly-sur-Seine

‍

SILVR has designated a data protection officer ("DPO") that can be contacted :

  • By e-mail at the following address: dpo@silvr.co‍
  • At the following postal address: 144 avenue Charles de Gaulle, 92200 Neuilly-Sur-Seine

2.   Purposes and lawful bases for the processing

‍

SILVR processes your personal data only for a limited set of purposes. These purposes each have a lawful basis, as detailed below.

‍

2.1.   Personal data of prospects

‍

With respect to prospects, SILVR processes the personal data of prospects and, where applicable, their staff, for the following purposes:

  • ‍To respond to requests for information or questions from prospects received by SILVR. The legal basis for this processing is SILVR's legitimate interest in responding to prospects' requests and providing them with any clarification that may be necessary.‍
  • To carry out direct marketing by email or telephone with your professional email or your professional telephone, which we have obtained directly from you or indirectly and for which you have received this privacy policy or have been informed that they will be used for the purposes of commercial prospecting related to our services. The lawful basis for this processing is SILVR's legitimate interest in publicizing and promoting its services.‍

‍

2.2.   Personal data of borrowers

‍

With respect to borrowers who have signed a contract with SILVR, we process the personal data of borrowers and, where applicable, their staff for the following purposes:‍

  • ‍Verifications (identification, verification of identity and knowledge of clients ("Know Your Client")) relating to the fight against money laundering and terrorist financing. The lawful basis justifying this processing is SILVR's legal obligation to set up an appropriate monitoring system for the fight against money laundering and terrorist financing;‍
  • Signing, monitoring and performance of the contract with SILVR. The lawful basis for this processing is the performance of the contract (NDA or loan agreement contract) concluded with SILVR;
  • ‍Record-keeping and management of accounts relating to the performance of the contract concluded with SILVR. The lawful basis that justifies this processing is SILVR's legal obligation to keep accounts and retain necessary supporting documents;‍
  • Direct marketing activities for services similar to those that borrowers have purchased with SILVR. The lawful basis for this processing is SILVR's legitimate interest in publicizing and promoting its services;‍
  • Management of pre-litigation, out-of-court settlements and, where applicable, litigation. The lawful basis for this processing is SILVR's legitimate interest in defending its interests and asserting its rights in the event of a dispute or litigation.

3.   Retention period of your personal data

‍

For the purposes described below, SILVR retains your personal data for a limited period of time and proportionate to the purposes described above.

‍

With respect to prospects, their personal data is retained:

  • For answering the prospects’ requests, for the period necessary to answer or supply information;
  • For commercial prospecting with directly or indirectly collected data, for 3 years following the collection of data or last contact with the prospect or as long the prospect has not objected to the use of his data for direct marketing purposes.

‍

With respect to borrowers and, where applicable, their staff, personal data is retained:

  • For the signing, monitoring and performance of the contract with SILVR, during the entirety of the contractual relation and, after its term, archived for the duration of the applicable statute of limitations;
  • For the invoicing and accounting related to the performance of the contract with SILVR, for ten (10) years in accordance with the provisions of article L. 123-22 of the French Commercial Code;
  • For commercial prospecting, during the entirety of the contractual relation and, after its end, for three (3) years;
  • For management of pre-litigation, out-of-court settlements and, where applicable, litigation, for the duration of the pre-litigation or legal proceedings.

4.   Recipients of personal data

‍

In accordance with the purposes set out in this policy, SILVR may share your personal data with:

  • Duly authorized SILVR’s employees and managers. Any SILVR’s employee who has access to your personal data is subject to strict confidentiality obligations;
  • Partners essential to the provision of SILVR's services such as, but not limited to, our payment partner and our debt collection partners in the context of managing disputes or unpaid bills;
  • Service providers to perform services related to SILVR's services, notably email service providers;
  • Competent authorities, if any, such as public authorities and administrative or tax authorities.

5.   Transfers of your data outside the European Economic Area ("EEA")

‍

In order to process your personal data for the purposes listed in this privacy policy, SILVR uses service providers that are located outside the EEA. The use of the services of these service providers involves transfers of some of your personal data outside the EEA.

‍

Prior to any such transfer of personal data, SILVR has put in place appropriate contractual safeguards with the relevant service provider to ensure the protection of your data and that your personal data will be processed only in accordance with our instructions. A copy of these appropriate safeguards may be obtained upon written request using the information in Section 7 below.

Finalités
Gestion de nos obligations en matière de lutte contre le blanchiment de capitaux et le financement du terrorisme

‍
Toute la durée de la relation contractuelle, à l'issue de laquelle seules les données nécessaires à des finalités précontentieuses ou contentieuses sont archivées jusqu’à l’acquisition de la prescription légale. Le délai de prescription de droit commun en matière civile et commerciale est de cinq (5) ans. En cas de contentieux, ces données sont conservées pendant toute la durée de la procédure et jusqu'à l'expiration des voies de recours ordinaires et extraordinaire
Analyse et gestion de demande de financement

Toute la durée de la relation contractuelle, à l'issue de laquelle seules les données nécessaires à des finalités précontentieuses ou contentieuses sont archivées jusqu’à l’acquisition de la prescription légale. Le délai de prescription de droit commun en matière civile et commerciale est de cinq (5) ans. En cas de contentieux, ces données sont conservées pendant toute la durée de la procédure et jusqu'à l'expiration des voies de recours ordinaires et extraordinaire
Gestions des informations des prospects
‍
Les données sont conservées cinq (5) ans à compter de leur collecte ou de notre dernier contact avec le prospect
Gestion de notre comptabilité
‍
Les données sont conservées pendant une durée de dix (10) ans conformément aux dispositions de l’article 123-22 du Code de commerce
Prévention de la fraude

Les données sont conservées pendant une durée de dix (10) ans
Gestion des cookies
‍
La durée de conservation des données ne saurait excéder 13 (treize) mois

6.   Your rights

‍

In accordance with the applicable regulations, you have rights regarding the personal data we collect, in particular:

  • The right of access: you can obtain information about the data we hold about you and about the characteristics of the processing we carry out;
  • The right to rectification: you can modify or correct your data;
  • The right to erasure: you can ask us to delete your data in certain circumstances (please note that legal and regulatory provisions or legitimate reasons may require us to retain your data);
  • The right to restriction and objection: you may, in certain circumstances, ask us to restrict or object to the processing of your data (please note that we may continue to process your personal data if we have a legitimate reason to do so);
  • The right to portability: you can ask us to receive data in electronic form and/or ask us to transfer this information to a third party where technically feasible;
  • The post-mortem right: you may provide us with general instructions for the processing of your personal data after death.

‍

You may exercise your rights as well as contact our personal data protection service using the contact information provided in Section 7 below.

‍

For any request of exercising your rights, we may ask you to provide additional documentation to verify your identity and to ensure that the personal data under the request relates to you.

‍

We are committed to responding to requests as soon as possible. You will receive a response within one (1) month following the receipt of your request. However, please note that this period may be extended by two (2) months due to the particularly complex nature of your request or due to the number of requests. In this case, you will be informed of such extension and the reasons for it within one (1) month following the receipt of your request.

‍

You may also file a complaint with the Commission Nationale de l'Informatique et des Libertés (CNIL), the national data protection authority in France (www.cnil.fr).

7.   Contact us

‍

You can contact SILVR's personal data protection service:

  • By e-mail at the following address: dpo@silvr.co‍
  • At the following postal address : 144 avenue Charles de Gaulle, 92200 Neuilly-Sur-Seine

8.   Changes

‍

We will update this privacy policy from time to time. Any such change will be published on this page together with the updated revision date.

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