1 GENERAL PRIVACY STATEMENT FOR CLIENTS IN THE BROAD SENSE AND DEBTORS - KBC COMMERCIAL FINANCE NV I. Introduction A. Respect for privacy KBC Commercial Finance sets great store by the protection of privacy. KBC Commercial Finance endeavours to process (your) personal data in a lawful, fair and transparent fashion. The purpose of this statement is to inform you of the way in which KBC Commercial Finance processes your personal data on: - you as a client (company) of KBC Commercial Finance; - you as a person associated with a client (company) of KBC Commercial Finance e.g. as agent, contact person or final beneficiary; - you as debtor of accounts receivable transferred by clients; - you as user of IT applications of KBC Commercial Finance or as visitor of the website(s) of KBC Commercial Finance. B. Processing of personal data Personal data are pieces of information on an identified or identifiable natural person (referred to as the "data subject" in the Privacy Act). It may involve a person s name, a photograph, a telephone number (including a work number), a PIN, a password, a bank account number, a link with a company or other persons, an address, etc. Data processing refers to any single processing operation or entire processing procedure of personal data. The processing procedure is very wide-ranging, and includes collecting, saving, using, amending, and divulging data. C. Advice: read this statement carefully We would advise you to read this statement carefully because it refers to your rights and legal obligations. As client (company) the privacy legislation does not play a role but KBC Commercial Finance must exercise discretion. By virtue of the fact that you are a client (company) of KBC Commercial Finance it is assumed that you have agreed, insofar as is necessary, to all the processing operations referred to in this privacy statement. This also means in particular that you as a client will take responsibility for the information about other people that you provide to KBC Commercial Finance (see VII. below). Also as a non-client e.g. as associated person, debtor, user or visitor it is expected of you that once you are informed or in contact with KBC Commercial Finance you agreed, insofar as necessary, to all processing operations referred to in this privacy statement. If you do not agree with the way in which we collect and process your personal data, we would advise you to take the requisite action, for instance by notifying us accordingly through the channels provided (see III. Exercising your rights below). D. More information referral More information on data protection legislation in Belgium is available on the website of the Belgian Privacy Commission: E. KBC Commercial Finance and the KBC group KBC Commercial Finance NV is a factoring company that operates in Belgium and a selection of countries worldwide. The registered office of KBC Commercial Finance NV is at Havenlaan 6, 1080 Brussels. KBC Commercial Finance is a member of the KBC group. The KBC group is an integrated bank insurance group, i.e. a group of companies that, through close co-operation, creates and distributes banking, investment and insurance products and provides related financial services. The KBC group s main target groups are individuals, SMEs and affluent clients. The group operates mainly in Belgium, the Czech Republic, Slovakia, Hungary and Bulgaria. In addition, the KBC group also operates via companies and entities in a selection of EU and non-eu countries. These non-eu countries include the USA, India, Russia, China, Singapore, Hong Kong, New Zealand and Australia. The following entities, for instance, belong to the KBC group in Belgium: KBC Group NV, KBC Consumer Finance NV, KBC Commercial Finance NV, KBC Bank NV, CBC Banque NV, KBC Insurance NV, KBC Asset Management NV, KBC Securities NV, KBC Autolease NV and KBC Lease Belgium NV. More information on the activities of KBC Bank and the KBC group is available on the website II. Controller Pursuant to the Act of 8 December 1992 on data protection (commonly known as the 'Privacy Act'), KBC Commercial Finance is responsible for the processing ( controller ) of the personal data of, inter alia, the individuals associated with clients, debtors, individuals, users and visitors. This implies that KBC Commercial Finance is responsible for compliance with the legal requirements regarding the processing of your data for the 1
2 purposes determined by KBC Commercial Finance itself (see below VI. For what purposes does KBC Commercial Finance collect and process your personal data? ). III. Your rights regarding the processing of your personal data A. Your rights Broadly speaking, you have the following rights regarding the processing of your personal data: You are entitled to access the data being processed about you. Where necessary, you can request in writing correction of incorrect data or blocking or deletion of information unlawfully processed. You can object to the processing of your personal data for direct marketing purposes. B. Exercising your rights Despite the fact that third parties may be involved in executing tasks assigned to KBC Commercial Finance you can always consider KBC Commercial Finance as the contact for exercising your rights. In the first place you can contact (in writing) the Privacy Department of KBC Commercial Finance, Havenlaan 6, 1080 Brussels. You will be asked to complete a form in certain cases. You may contact the CCTV Contact Centre, Egide Walschaertsstraat 3, 2800 Mechelen, regarding camera images (see also the sticker stating that CCTV is in use). In some cases you can also exercise your rights directly with a third party. This applies for example to the databases held by the National Bank of Belgium [www.nbb.be], such as the Central Corporate Credit Register. When exercising your rights be as specific as possible. It will enable us to deal with your request as efficiently and correctly as possible. Please also remember that it must be reasonably easy for us to establish your identity when you exercise your rights in order to prevent that anyone else would interfere. If you are a (legal) representative, you can exercise the rights of the represented. For more information, or if you do not agree with KBC Commercial Finance s views, you may contact the Belgian Privacy Commission via the website: IV. Security and confidentiality Only people properly authorised may access personal data relevant to performing their job. These people may only use the information to the extent essential to do their job. They are bound to observe strict professional secrecy and to comply with all technical instructions and requirements designed to safeguard the confidentiality of the personal data and the security of the systems that contain these data. KBC Commercial Finance takes internal technical and organisational measures to prevent personal data being accessible to and processed by unauthorised parties, or being accidentally changed or deleted. Internal security measures protect the premises, servers, network, data transmission and the data itself. The whole process is supervised by a specialized department. But you can also do something.. KBC Commercial Finance does not have any, or adequate, influence on certain aspects of (the technical process of) data processing. This is true, for instance, for the Internet or mobile communication methods (e.g. smartphones), where it is not possible to provide full security. When criminals, (including computer criminals such as hackers), are active, KBC Commercial Finance cannot be expected to always succeed in preventing attacks. Sometimes KBC Commercial Finance is unaware of such crimes, for instance if someone succeeds in using your identity details by installing spyware on your computer or by means of phishing. Hence it is requested that you consider certain channels as less safe than others when delivering data to KBC Commercial Finance or when asking KBC Commercial Finance to provide certain information to you. There are things you can do to prevent potential misuse, or at least make it more difficult, such as: installing antivirus software and keeping it up to date logging out if you are not using an application (even temporarily) keeping your passwords strictly confidential and using strong passwords, i.e. avoiding obvious combinations of letters and figures and combining enough of both being vigilant about anything out of the ordinary, such as an unusual website address (e.g. www2.kbc.be), or unusual requests ( requests for client details), etc. complying with special instructions and guidelines from KBC Commercial Finance. Also bear in mind that certain means of communication (such as ) are operated by an external supplier. If you and KBC Commercial Finance exchange messages using these means of communication, it is possible that they will be intercepted. V. Data processors appointed by KBC Commercial Finance A. General 2
3 KBC Commercial Finance calls on specialised third parties (data processors) operating either in Belgium or abroad to perform some processing operations, e.g. foreign payments. They therefore perform processing on behalf of KBC Commercial Finance. In such transactions, data may be transferred to countries, such as the USA or India, where data centres are located and where the law may not provide the same level of data protection as in Europe. However, considering the increasingly international nature of information technology and of the financial sector, it is unavoidable that data are sent outside Europe in certain cases. KBC Commercial Finance ensures that any third parties involved: - only have access to information that is needed to carry out the instructions given to them, and - commit themselves towards KBC Commercial Finance to process this information in a secure and confidential manner and only to use it for carrying out the instructions given to them. KBC Commercial Finance cannot be held liable if these third parties, in compliance with obligations imposed in other countries, transfer clients personal data to local authorities or if these third parties are affected by incidents in spite of reasonable efforts on their part. B. Data processors within the KBC group For processing personal data, KBC Commercial Finance systematically uses a data processor within the KBC group located within the European Union, i.e., at KBC Global Services NV (VAT BE ). This includes processing for some control and support functions at group level, such as financial reporting, compliance, internal audit, marketing support, payments support, and ICT management for the KBC group. C. Other data processors Mainly through KBC Global Services, KBC Commercial Finance may also make direct or indirect use of other data processors, such as - lawyers and other consultants, - bailiffs, - ICT providers (including security), such as IBM and HP, - etc. VI. For what purposes does KBC Commercial Finance collect and process your personal data? KBC Commercial Finance collects and processes your personal data for various purposes and based on different justifications. Only the relevant information is processed for each purpose. A. Compliance with the law Pursuant to various pieces of legislation, KBC Commercial Finance is obliged to process certain data on you as client or associated person mainly for the following purposes: - the processing of transactions for accounting purposes, in line with the accounting legislation (including the Royal Decrees of 23 September 1992); - the obligation to feed certain databases with information for certain types of credit (including factoring), on the agreements (and their specifications) and their execution in order to enable other institutions to assess your credit rating and repayment capacity, to manage risks and to allow the National Bank of Belgium to conduct scientific and statistical research and fulfil its tasks, e.g. the Central Individual Credit Register (CICR) and the Central Corporate Credit Register (CCCR) with the National Bank of Belgium [www.nbb.be / Central Credit Registers], which can also be addressed directly to exercise your rights (see above), in line with the legislation on credit (including the Act of 4 March 2012 and the Royal Decree of 15 June 2012); - the creation of a procedure to respond appropriately if you exercise your rights under the Privacy Act, i.e. the data protection legislation (including the Privacy Act of 8 December 1992, the Acts of 11 March 2003 and the Royal Decree of 4 April 2003); - the obligation to honour specific measures directed against countries or persons, for which your transactions must be checked and, in some cases, blocked, in compliance with the legislation on specific measures (including Council Regulations (EC) 2580/2001 and 881/2002); - the obligation to prevent and detect market abuse (at group level), i.e. abuse of inside information or market manipulation, and to notify the authorities thereof, in line with the market abuse legislation (including Articles 25 and 25bis of the Act of 2 August 2002); - the obligation to respond to legitimate queries from the supervisory authorities for financial institutions, such as the FSMA, in line with the supervisory legislation (including the Act of market practises); - the obligation to respond to legitimate questions from the tax authorities, in line with the tax legislation (including the Income Tax Code); - the obligation to respond to legitimate questions from the judicial authorities such as police, prosecutor, investigating judge and law court, in line with the police and criminal legislation (including the Judicial Code and the Code of Criminal Proceedings),. Pursuant to various pieces of legislation KBC Commercial Finance is obliged to process a number of data on you as debtor mainly for the following purposes: - the processing of transactions for accounting purposes in line with the accounting legislation (in-cluding the Royal Decrees of 23 September 1992); 3
4 - the creation of a procedure to respond correctly if you exercise your rights under the Privacy Act,i.e.the data protection legislation (including the Privacy Act of 8 December 1992, the Acts of 11 March 2003 and the Royal Decree of 4 April 2003). B. Assessment prior to entering into a contract Before entering into a contract, KBC Commercial Finance may (have to) process certain data to deal with an application and make a thorough assessment of the desirability of entering into the contract and/or of the terms and conditions for concluding the contract. This includes, for instance, gathering and processing data for a factoring application with a check of the data concerning the client as well as those concerning the (most important) debtors in the client s portfolio of accounts receivable. Information taken into account prior to the contract with Commercial Finance is sometimes transferred by the introducing entity, mostly KBC Bank or CBC Banque, but also by other companies of the group. As far as needed the client agrees with the transmission of relevant data by the introducing entity. C. Implementation of the agreement As part of the relationship with the client, there are various tasks to be performed and the services that the client uses require processing for administrative and accounting purposes. In certain circumstances, this requires certain personal data being sent to an intermediary or counterparty (e.g.an insurance company). Examples of processing data for the implementation of agreements are the monitoring of accounts receivable, payments, advance financing, credit insurance policies,, KBC Commercial Finance also offers various channels which subject to the terms and conditions set out in the applicable documents (e.g. regulations) and with or without a relative degree of security you can use to communicate with KBC Commercial Finance, such as the specific reporting application to the clients. In that case, KBC Commercial Finance uses the (contact and security) data of these communication channels to initiate and/or check the communication. Examples: log-in details, passwords, certificates, and characteristics of the means of access (Digipass or card). D. Legitimate interests In addition to the purposes referred to above, KBC Commercial Finance and/or the KBC group have a number of other legitimate interests as a company/group of companies that require processing of personal data. In this context, KBC Commercial Finance endeavours to ensure that your privacy is affected as little as possible and that, in any event, any effect on your privacy is kept in balance. For example, personal data are processed for purposes relating to: - compiling studies, (risk, marketing and others), models and statistics, where the link to individuals is interrupted as quickly as possible, - proof (archives), - establishing, exercising and safeguarding the rights of KBC Commercial Finance or of those represented by KBC Commercial Finance (e.g. in disputes), - synergy, improving efficiency, or other benefits arising from (common) processing by a data processor (see under Controller above), - the safety and security of people and property, - the organization of an appropriate control (prevention, limitation, detection and approach) of the risks (at group level), including the credit, insurance, counterpart and market risks, risks in respect of information management, compliance with the law, risks on fraud by employees, clients and/or suppliers, risks on unethical behaviour or mistakes by employees, both at central level (bringing together data of clients and client groups) and at local level (including reporting of risk signals). - administration, (risk) management and control of the company and the KBC group, including by means of reports, by the management or management and control functions (at group level) such as o the legal department (including litigation management and legal risks), o compliance (including prevention and investigations of money laundering and fraud, investor and consumer protection and data protection), o risk management (including credit risk and insurance risk on clients and groups of clients worldwide, and o internal and external audit, - centralised, coordinated and efficient administration of clients and groups of clients worldwide (at group level) or support services for this, including segmentation (e.g. individuals, companies, self-employed, etc.) and drawing up profiles for the management of clients or detecting client needs, - assessing KBC Commercial Finance s position as your financial service provider, - assessment, simplification and improvement of processes, such as optimising collection e.g. by following-up of the accounts receivable in various stages, statistics, satisfaction surveys, and data from cookies (such as default settings and browsing history on the website). KBC Commercial Finance does generally not resort to (direct) marketing towards individuals. VII. Consent A. Assumption of consent if you become a client or submit your data 4
5 If you become, or remain, a client and you submit your data to KBC Commercial Finance (or a KBC group entity), you are assumed to consent to the processing as described in this privacy statement. It is also assumed from this fact that you want KBC Commercial Finance to contact you through the various channels (branch, post, online, etc.) to provide you with information, advertising material or personalised proposals, or that at least you have no objection to this. You can counter this assumption by objecting to processing where possible. For any formalities, see Your rights regarding processing of your personal data (see III above). You cannot object to processing where this option is not available, which includes processing that is obligatory by law. B. Information society e-commerce (mobile, , etc.) and cookies If you provide a mobile number or address, it can be used. In principle, you will be asked to grant your explicit consent, but if that is not so due, for instance, to an oversight or technical failure we request you to - notify us, - if you so wish, inform us of your objection to processing. If you accept the cookie through your browser settings KBC Commercial Finance will assume that, if you continue browsing, you agree with the processing of the resulting data, even if these are personalised. If KBC Commercial Finance sends you an , KBC Commercial Finance is able to measure the following attributes (a) whether you open the , and (b) whether you click on a hyperlink in the . If you perform these operations, this implies your consent with such measurement. C. Retraction of objection If you have objected to a form of processing (see assumption of consent if you become a client or submit your data) and KBC Commercial Finance was able to comply with your objection, processing may only be started again once you have given permission for such processing. D. Relations and groups You accept that KBC Commercial Finance (possibly at group level) processes data on the relationship with and, if appropriate, details of associated persons. If the client is a legal person, he accepts through his representative - that KBC Commercial Finance (at group level) processes details of the relationship and details of associated (legal) persons (e.g. parent company, subsidiaries, representatives, beneficial owners, etc.). E. Representatives and groups If a (legal) representative is acting in that capacity, he/she automatically also agrees to processing the data of the principal. This includes: - that the trustee in bankruptcy agrees to process the data of the person on whose behalf he is acting; - that the interim administrator agrees to process the data of the person on whose behalf he is acting; -... Representatives, companies and legal persons that give information to KBC Commercial Finance on individuals associated with them undertake to do so only if the individuals in question are sufficiently aware of this and agree with it. The representative, company or legal person safeguards KBC Commercial Finance against all claims (by those concerned) in this regard. Hence, for instance, KBC Commercial Finance is not responsible for compliance with the data protection legislation by a company that submits a list of debtors and accounts receivable or a list of users for an on-line application. A representative has access to the data of the principal as part of his/her mandate. This also implies that a representative has access to the data during the term of his/her mandate, even if that mandate has been terminated in the meantime. F. Digitisation of documents In order to improve the operational efficiency KBC Commercial Finance may decide to digitise documents (e.g. by scanning them) or to let you sign electronic documents. If you provide KBC Commercial Finance with documents, you agree with such digitisation. VIII. More information on processing of specific personal data A. General KBC Commercial Finance processes personal data (that might be) relevant for the aforementioned purposes. Overall, for all purposes combined, this involves a range of different kinds of personal data: data relating to you as a person, the composition of your relationships, your assets, your professional and private financial dealings, etc. Below we elaborate on some of these categories. B. Information received from the introducing entity, KBC Bank or CBC Banque 5
7 More specifically this means that CCTV images made in and around the premises of KBC Commercial Finance (marked with a sticker) are stored for a maximum period of one month. This period can be longer if the images recorded are useful as evidence of transactions of criminal or unlawful nature, as proof of damages caused or to identify an offender, a witness or a victim. IX. Data exchange within the KBC group A. Sending and receiving Unless there is a legal impediment, such as a local obligation, professional confidentiality obligation or data protection legislation, KBC Commercial Finance may: - send your (personal) data to other KBC group entities in Belgium or abroad, or - process the personal data if these have been legitimately collected by another entity of the KBC group, in Belgium or abroad. KBC Commercial Finance cannot be held liable if the KBC group entities referred to above, in compliance with the legal requirements prevailing abroad, have to give personal data on clients to local authorities. B. Restriction Within KBC Commercial Finance and within the KBC group, personal data of clients will only be processed and consulted by the entities: - with which the client has, had or wishes to have a contractual relationship or contacts; - whose intervention is necessary to deliver or follow up on services provided to the client; - to fulfil, at group level, statutory or prudential requirements that are imposed by regulators or arising from expectations of good governance, or - to prevent fraud, by employees and/or clients, including money laundering. C. Uniform protection The KBC group ensures that the European standards for protection of client data are applied worldwide within the companies and branches of the KBC group. D. Why are data exchanged within the KBC group? Data may be exchanged within the KBC group for: - complying with legal requirements, making an assessment before entering into a contract or implementation of an agreement; - the following legitimate purposes for KBC Commercial Finance as a member of the KBC group o administration, (risk) management and control of the organisation and the KBC group by the management or the management and control functions (at group level), particularly security and prevention of fraud (including money laundering), o centralised, coordinated and efficient administration of clients and groups of clients worldwide (at group level) or support thereof, o compiling studies, (risk, marketing and others), models and statistics, where the link with individuals is interrupted as quickly as possible, o establishing, exercising, defending and safeguarding the rights of KBC Commercial Finance or of the persons possibly represented (e.g. in disputes). X. Queries from third parties A. When may queries from third parties be answered? In view of KBC Commercial Finance s confidentiality obligation and the data protection legislation, queries from third parties with one exception must be justified either by a legal provision or subject to the consent of the individual concerned. In the latter case, we advise third parties to request the information from the individual concerned. KBC Commercial Finance cannot be held liable if the lawful recipients of personal data, in compliance with legal obligations abroad, have to submit personal data on clients to the local authorities or process these without an adequate level of security. B. Who should you contact if you are a third party? If, as a third party (e.g. police, notary, solicitor, ), you have queries about clients, you should address your request to the Privacy Department, Havenlaan 6, 1080 Brussels. This department will consider your request and give you an answer, if your request is justified in accordance with, inter alia, bank secrecy, the confidentiality obligation and the data protection legislation. 7
8 CONTENTS I. Introduction... 1 A Respect for privacy B Processing of personal data... 1 C Advice: read this statement carefully... 1 D More information referral... 1 E KBC Commercial Finance and the KBC group... 1 II. Controller... 1 III. Your rights regarding the processing of your personal data... 2 A Your rights... 2 B Exercising your rights... 2 IV. Security and confidentiality V. Data processors appointed by KBC Commercial Finance A General... 2 B Data processors within the KBC group C Other data processors VI. For what purposes does KBC Commercial Finance collect and process your personal data?... 3 A Compliance with the law... 3 B Assessment prior to entering into a contract... 4 C Implementation of the agreement... 4 D Legitimate interests... 4 VII. Consent... 4 A Assumption of consent if you become a client or submit your data... 4 B Information society e-commerce (mobile, , etc.) and cookies... 5 C Retraction of objection... 5 D Relations and groups... 5 E Representatives and groups... 5 F Digitisation of documents... 5 VIII. More information on processing of specific personal data... 5 A General B Information received from the introducing entity, KBC Bank or CBC Banque.. 5 C Accounts receivable... 6 D Public data... 6 E Website General - Cookies F Contact... 6 G Correspondence... 6 H CCTV images... 6 IX. Data exchange within the KBC group... 7 A Sending and receiving... 7 B Restriction... 7 C Uniform protection... 7 D Why are data exchanged within the KBC group?... 7 X. Queries from third parties... 7 A When may queries from third parties be answered?... 7 B Who should you contact if you are a third party?
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