Privacy policy

Albalux SA 2019

This Privacy Policy relates to the services of AlbaLux Crédit SA, a brand developed by Albalux SA. AlbaLux Crédit SA is a mortgage brokerage company, acting as an intermediary between you and various banking institutions.

Introduction: Data collection

When you visit our website or use our services, we collect two types of data:

- Data that you communicate directly to us (personal information),

- The data you send us is indirectly called ‘cookies’ or similar technologies (browsing information).

1) Your personal details

The data that you provide directly to us corresponds to your identity (first name and surname) and your contact details (email address and telephone number). This information is necessary for the proper operation of our website when you wish to contact one of our agents in order to study your file as part of a mortgage brokerage request.

For a specific request, you may be asked to provide us with your income, family situation, etc. This information is used to assess your situation and will only be passed on to banking institutions with your consent. This information is used to establish an overview of your situation and will only be passed on to banking institutions with your consent. This information is used to establish an overview of your situation and will only be passed on to banking institutions with your consent.

A) Your consent

We may create a database containing personal information that you have provided to us, in particular when creating your request via one of our contact forms on our website. You are informed of the collection and processing of your personal information, the creation of our database and the processing of your personal information under the conditions and in accordance with the procedures set out in this Privacy Policy. This database is essential to our activity in order to study and follow up your file.

We may also collect your personal information when you use our services and subscribe to our newsletter. However, you must clearly express your consent by ticking the appropriate box, otherwise we will not collect your personal information.

B) Personal information collected

The personal information we may collect when you fill in a contact form or request a study of your project is as follows:

- Your first name, last name and date of birth,

- Your email address and telephone number,

- Your profession, your income, your family situation, your outstanding loans, your expenses, etc.

We undertake not to pass on to third parties other than banking institutions any personal information that you provide to us when registering or using our services. The banking institutions concerned will be notified to you beforehand in order to obtain your consent.

C) Use of your personal information

The purpose of collecting your personal information can take several forms:

- Contact you again following a request from you,

- Put together a preliminary file to assess the feasibility of your application for a bank loan.

- Drawing up satisfaction surveys and assessments for private and professional customers, as well as user opinions,

- Drawing up sales and marketing statistics,

- In order to offer you content such as articles or advertisements corresponding to the personal information you have provided,

- In order to personalise our communications on your behalf if you have subscribed to our newsletter, for example,

- Management of your requests for access, rectification or opposition to the use of your information,

- Managing any disputes that may arise.

D) Recipients of your personal information

Your personal information will be disclosed in certain cases:

- The banking institutions with which Albalux SA negotiates your loan application,

- Albalux SA employees responsible for managing customer relations, implementing our services and monitoring them.

E) Canvassing by email

As an individual user of our services, you must clearly indicate that you agree to receive solicitations from us by ticking the box provided for this purpose in order to receive emails or newsletters from us. Following your acceptance, you have the right to stop receiving this information at any time. In this case :

- You can unsubscribe from newsletters by clicking directly on the unsubscribe link at the bottom of the newsletter,

- You can stop receiving emails from us at any time by sending us an email to info [at] albaluxcredit [dot] lu containing the email address at which you no longer wish to receive these emails.

F) Your rights

You have various rights concerning your personal data:

- Right to information

- Right of access

- Right of rectification, opposition and deletion

To exercise your rights you can contact us by email at info [at] albaluxcredit [dot] lu or by post by sending a signed letter to the following address:

Alba Lux SA

20a, route de Luxembourg

L-3253 Bettembourg

LUXEMBOURG

In either case, please send us the necessary information, together with a photocopy of an identity document and your signature at the end of your request. Don't forget to provide us with an email or postal address so that we can get back to you. Albalux SA has a legal period of 1 month from the date of receipt to reply to your request.

2) Your browsing information

A) Qu’est-ce qu’un cookie ?

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Cookies or similar technologies are data that we are likely to collect without you disclosing them to us. This data corresponds to your browsing information on your device (computer, tablet, smartphone, etc.) when you use our website. Cookies are deposited during your browsing in a dedicated space on your device. The information contained in this file cannot be read or modified by anyone other than the sender of the cookies. Cookies enable Albalux SA, among other things, to compile statistics on visits to the www.albaluxcredit.lu website.

This collection of information is not imposed on you, except where cookies are necessary for the proper operation of our site as stipulated in the General Data Protection Regulation which comes into force on 25 May 2018.

B) The cookies we issue

When using our services or browsing our site, we may install cookies on your device depending on the preferences you have expressed regarding cookies.

These cookies allow us to :

- to collect Personal Data relating to your device,

- to recognise your device the next time you connect to or use our site and services.

The Personal Data concerned is detailed in part 1)B) of this document.

C) The purpose of these cookies

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i) Technical cookies

Technical cookies may enable us to:

- to improve your user experience, in particular in the following ways:

- by adapting the presentation of our www.albaluxcredit.lu site to the display preferences of your device, such as your choice of language, for example,

- by caching certain pages to speed up access to them.

Deleting these cookies will not prevent you from browsing our website or using our services, but it may alter your user experience or interfere with the normal use of our website and services.

ii) Advertising cookies

Advertising cookies enable us to suggest targeted advertising content that corresponds to your centres of interest, whether on our website, our services or on websites and services offered by third parties with whom we work.

The use of these advertising cookies enables us to limit the number of times you are exposed to the same advertising content, and also to measure the effectiveness of advertising campaigns.

Deleting these cookies will not prevent you from browsing our website or using our services. However, this action will not prevent the display of advertising content, but it will result in the distribution of non-targeted advertising content.

iii) Audience measurement and analytical cookies

Audience measurement cookies enable us to measure and determine statistics relating to the number of visits to our website and our services (number of visits, number of unique visitors, connection time per session, number of pages viewed, etc.).

Analytical cookies enable us to compile statistics relating to the use of our site and services, such as the pages visited or the user path followed. The use of these analytical cookies enables us to improve the ergonomics of our site and services. They also enable us to suggest targeted editorial content that corresponds to your centres of interest. These cookies can also be used to identify any browsing problems.

Deleting these cookies will not prevent you from browsing our website or using our services, but it will result in unsuitable editorial content being displayed.

D) Recipients of the Browsing Information collected

The Browsing Information that we collect from cookies issued on our site and services is intended for use by Albalux SA and the Albalux Credit SA brand (www.albaluxcredit.lu) that it operates.

E) Cookies issued by third parties

Cookies may be issued and integrated by third-party applications on our website and in our services, or in advertising and editorial content inserted in our advertising spaces. These third parties may collect certain browsing information without being able to identify you: browsing information enabling them to adapt their advertising content to your profile (age, locality, etc.).

You may choose to refuse the use of cookies on your device. In this case, neither Albalux SA, nor our partners will be able to collect your Browsing Information gathered by cookies.

The issue and use of cookies by third parties is governed by their Privacy Policy. We therefore suggest that you familiarise yourself with their regulations on this subject and inform you of the way in which you can configure your choices with regard to cookies.

F) Your choices regarding cookies

You can accept or refuse the storage of cookies on your device at any time, by following the URL links we provide or by configuring your Internet browser directly.

i) Audience measurement and analytical cookies

Audience measurement cookies and analytical cookies may be integrated by companies on our www.albaluxcredit.lu site. If you do not consent to our site and services storing cookies on your Internet browser for audience measurement purposes, you can click on these links or deactivation forms, which will store a cookie on your Internet browser that deactivates audience measurement cookies:​

- Google Analytics: https://tools.google.com/dlpage/gaoptout

ii) Advertising cookies

We suggest that you visit the https://www.youronlinechoices.com website to find out which companies have registered, giving you the option of refusing or accepting the cookies used by these companies in order to adapt the advertising content on your device to your Browsing Information: http://www.youronlinechoices.com/fr/controler-ses-cookies/

This platform will not block the display of advertising content, but the technologies that enable targeted advertising to be displayed on the websites you visit.

G) Your choices regarding cookies via your Internet browser
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You can configure your Internet browser to accept or refuse the storage of cookies on your device. The refusal can be systematic or take into account only certain transmitters of your choice.

i) Acceptance of cookies​

If your Internet browser is set to accept cookies, the cookies embedded in the web pages you visit will be systematically saved on your device.

ii) Refusal of cookies

As mentioned above, you have the option of occasionally or systematically refusing to save cookies via your Internet browser. However, we would draw your attention to the fact that refusing to save technical cookies on your device is likely to degrade your experience on our website, or even block the use of certain services that require the use of these cookies. Albalux SA cannot be held responsible for malfunctions linked to your voluntary deactivation of technical cookies.

iii) Exercising your choices with regard to cookies via your Internet browser

To exercise your choices with regard to cookies via your Internet browser, please consult the information pages of these browsers, which will tell you what steps to take:

– Internet Explorer : https://support.microsoft.com/fr-lu/help/17442/windows-internet-explorer-delete-manage-cookies

– Safari : https://support.apple.com/fr-lu/guide/safari/manage-cookies-and-website-data-sfri11471/mac

– Chrome : https://support.google.com/chrome/answer/95647?co=GENIE.Platform%3DDesktop&hl=fr-FR

– Mozilla Firefox : https://support.mozilla.org/fr/kb/activer-desactiver-cookies-preferences

– Opera : http://help.opera.com/Windows/10.20/fr/cookies.html

3) Data security

Albalux SA undertakes to take all necessary measures to ensure the security of the data stored and to make it inaccessible to unauthorised third parties.

The www.albaluxcredit.lu website is fully compliant with the https:// protocol, which ensures secure use of the website and all the information you enter on it.

A) How long we keep your data

The data is stored in our database for a period of one year from your last commercial relationship with our website and is kept for a period of 10 years in order to comply with the relevant legal obligations.

B) Data controller

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The general manager of the www.albaluxcredit.lu website is responsible for all matters relating to confidentiality and the protection of your private data. If you have any questions, please send an email to info [at] albaluxcredit [dot] lu.

Albalux SA employees are required to respect the confidentiality of all personal data to which they may have access.