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, which acts 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 you provide directly to us (personal information);

— Data collected automatically through cookies and similar technologies (browsing information).

1) Your personal details

The personal data you provide directly to us includes your identity (first name and last name) and your contact details (e-mail address and telephone number). This information is required to enable us to respond to your enquiries and, where applicable, to assess your mortgage application and provide our mortgage brokerage services.

Depending on your request, you may be asked to provide additional information, such as details of your income or family situation. This information is used to assess your financial situation and prepare your mortgage application. It will only be shared with our banking partners with your prior consent.

A) Your consent

We may create a database containing the personal information you provide, particularly when you submit an enquiry through one of the contact forms on our website. Your personal data will be collected, stored and processed in accordance with this Privacy Policy. This database is essential for assessing your mortgage application and managing your file throughout the mortgage brokerage process.

We may also collect your personal information when you use our services or subscribe to our newsletter. In all cases where your consent is required, we will only collect your personal data after you have given your explicit consent by ticking the appropriate box.

B) Personal information collected

The personal information we may collect when you complete a contact form or submit a mortgage enquiry includes:

— Your first name, last name and date of birth;

— Your e-mail address and telephone number;

— Your occupation, income, family situation, existing loans, expenses and other information relevant to assessing your mortgage application.

We will not share your personal information with any third party other than our banking partners without your prior consent. If it is necessary to share your information with one or more banking institutions to assess your mortgage application, you will be informed in advance and your consent will be obtained.

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) E-mail marketing

If you would like to receive marketing communications or our newsletter, you must give your explicit consent by ticking the relevant box provided for this purpose. Once you have given your consent, you may withdraw it at any time. You can do so by:

— Clicking the unsubscribe link included in every newsletter or marketing e-mail;

— Sending an e-mail to [at] albaluxcredit [dot] lu from the e-mail address you wish to unsubscribe.

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 required information, along with a copy of a valid document of identification and your signature at the end of your request. Please also include your e-mail or postal address so we can respond to your request.

2) Your browsing information

A) What are "cookies"?

Cookies and similar technologies are small data files that may be stored on your device when you visit our website. These files collect information about your browsing activity on your computer, tablet, smartphone or other device.
Cookies are stored in a dedicated area of your device and can only be read or modified by the entity that placed them.

 Among other purposes, Albalux SA uses cookies to compile statistics on visits to the www.albaluxcredit.lu website, helping us analyse website performance and improve the user experience.

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 :

— Collect Personal Data relating to your device;

— 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

i) Technical cookies

Technical cookies may enable us to improve your user experience, in particular in the following ways:

— By adapting the presentation of our 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. However, it may affect your user experience and limit the normal functionality of certain features on our website.

La suppression de ces cookies ne vous empêchera pas de naviguer sur notre site internet ou d’utiliser nos services, cependant cette action est susceptible d’altérer votre expérience utilisateur ou de gêner l’utilisation normale de notre site et de nos services.

ii) Advertising cookies

Advertising cookies allow us to display personalised advertisements based on your interests, whether on our website or on third-party websites and services with which 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 analyticS cookies

Analytics cookies help us understand how visitors use our website and services by collecting information such as the number of visits, the number of unique visitors, the duration of each session, the pages visited and the navigation paths followed. This information enables us to improve the performance, usability and user experience of our website and services.

These cookies may also be used to personalise the content displayed based on your interests and to identify and resolve technical or navigation issues.

Deleting these cookies will not prevent you from browsing our website or using our services. However, it may result in content that is less relevant to your interests and limit our ability to improve the performance and user experience of our website.

D) Recipients of the Browsing Information collected

The Browsing Information 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 use of cookies by third parties is governed by their own Privacy Policies. We encourage you to review these policies to understand how they use cookies and how you can manage your cookie preferences.

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

Audience measurement cookies may be integrated by companies on our 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

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

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.