Privacy Policy

1. Introduction

At Zakelijk Kapitaal, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website zakelijkkapitaal.com and use our financial consulting services. Please read this policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

We are committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement. Zakelijk Kapitaal may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes.

2. Data Controller

The data controller responsible for your personal data is:

3. Information We Collect

We collect several types of information for various purposes to provide and improve our service to you.

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). This may include:

• First name and last name
• Email address
• Phone number
• Company name and address
• Financial information relevant to loan applications (e.g., revenue, tax ID)

Usage Data

We may also collect information on how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

4. How We Use Your Information

Zakelijk Kapitaal uses the collected data for various purposes:

• To provide and maintain our Service: To process your requests for financial consulting and business financing.
• To manage your account: To register and authenticate you as a user, and to administer your account.
• To perform a contract: The development, compliance and undertaking of the purchase contract for the products, items or services you have purchased or of any other contract with us.
• To contact you: To contact you by email, telephone, SMS, or other equivalent forms of electronic communication with updates or promotional materials related to our services.
• To analyze usage: To analyze how you use our Service in order to improve it.
• To comply with legal obligations: To comply with applicable laws and regulations, including Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations.

5. Legal Basis for Processing

Under the General Data Protection Regulation (GDPR), we rely on the following legal bases to process your personal data:

• Contract: The processing is necessary for the performance of a contract to which you are a party or to take steps at your request prior to entering into a contract (e.g., providing a quote).
• Legitimate Interests: The processing is necessary for the purposes of the legitimate interests pursued by Zakelijk Kapitaal, such as marketing our services and preventing fraud, provided these interests are not overridden by your rights and freedoms.
• Legal Obligation: The processing is necessary for compliance with a legal obligation to which we are subject (e.g., financial record-keeping).
• Consent: You have given us clear consent to process your personal data for a specific purpose. You may withdraw your consent at any time.

6. Data Sharing and Disclosure

We may share your personal information in the following situations:

With Service Providers

We may employ third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

With Business Partners

We may share your information with our trusted financial partners and lenders to facilitate the application and approval process for business financing. We only share data that is strictly necessary for these transactions.

For Legal Reasons

We may disclose your Personal Data in the good faith belief that such action is necessary to:

• Comply with a legal obligation
• Protect and defend the rights or property of Zakelijk Kapitaal
• Prevent or investigate possible wrongdoing in connection with the Service
• Protect the personal safety of users of the Service or the public
• Protect against legal liability

7. Data Retention

We will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable tax or accounting laws), resolve disputes, and enforce our legal agreements and policies.

Typically, we retain client data for 7 years after the termination of our business relationship, in accordance with Dutch tax law, after which it will be securely deleted or anonymized.

8. Transfer of Data

Your information, including Personal Data, is processed at Zakelijk Kapitaal's operating offices and in any other places where the parties involved in the processing are located. This means that this information may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

9. Your Rights under GDPR

If you are a resident of the European Economic Area (EEA), you have certain data protection rights. Zakelijk Kapitaal aims to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data. If you wish to be informed what Personal Data we hold about you and if you want it to be removed from our systems, please contact us.

In certain circumstances, you have the right to:

• Access: Request access to your Personal Data.
• Rectification: Request correction of inaccurate Personal Data.
• Erasure: Request the deletion of your Personal Data ("Right to be Forgotten").
• Restriction: Request restriction of the processing of your Personal Data.
• Portability: Request the transfer of your Personal Data to you or a third party.
• Objection: Object to the processing of your Personal Data.

10. Security of Data

We value your trust in providing us your Personal Data, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the Internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

We implement appropriate technical and organizational measures to protect your Personal Data against unauthorized or unlawful processing, accidental loss, destruction, or damage. These measures include encryption, secure servers, and regular security audits.

11. Children's Privacy

Our Service does not address anyone under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

12. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page.

13. Contact Us

If you have any questions about this Privacy Policy, please contact us:

Zakelijk Kapitaal
Hoge Wal 42
2511 EC Den Haag
Netherlands

Email: [email protected]
Phone: +31 30 366 41 43