Charter of Privacy
As a digital financing institution, protecting your private integrity is the foundation of our contractual relationship.
Data Protection Policy
Confidentiality is not only a legal obligation for STABILYS GRUP, it is a fundamental value of our financial engineering. Our charter's mission is to transparently define the methods for collecting, processing, transferring, and storing your informational assets.
By accessing our credit intermediation services, you entrust us with highly sensitive information. We process this data for the sole purpose of configuring loan solutions tailored to your profile, while guaranteeing top-tier anonymity and cryptographic security.
Every interaction with our services is strictly governed by the General Data Protection Regulation (GDPR - EU 2016/679) and subject to the directives of European financial and digital supervisory authorities.
Legal Processing Basis
Contract
Essential for the performance of the credit agreement, the assessment of your repayment capacity, or the production of a loan simulation requested by you.
Legal Obligation
Processing required to comply with banking regulations (KYC), anti-money laundering (AML-CFT) efforts, and identity verification.
Consent
Explicitly collected for sending marketing communications, newsletters, or placing non-essential cookies on your device.
Inventory of Collected Data
Identity & Contact Data
KYC RequiredWe collect your full civil attributes (Surname, First name, Date of birth), your communication details (Email, Phone), and your location information (Postal address). This data authenticates your profile.
Financial & Professional Data
Sensitive DataIn order to analyze your creditworthiness, we collect information regarding your income (salaries, pensions), your employment status (permanent contract, self-employed), and your recurring expenses (current credits, rent).
Technical Navigation Data
SecurityConnection information (IP address, device type, browser), activity logs, and session timestamps to prevent fraud and ensure platform integrity.
Systemic Security
AES-256 Encryption
Military-grade encryption for all data stored at rest and in transit (TLS 1.3).
WAF Firewall
Active protection and intrusion detection against cyber-attacks and automated scraping.
Anonymization
Strict masking and pseudonymization of sensitive data within our development environments.
Data Sharing & Transmission
Your personal data is never sold to data brokers. It may only be transmitted to the following entities, within a framework strictly defined by banking secrecy:
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Banking Partners & Insurers For the review and financing of your loan, and the proposal of optional borrower insurance.
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Administrative or Judicial Authorities Only upon legal requisition (FICOBA, TRACFIN) to comply with anti-money laundering regulatory obligations.
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Technical Subcontractors (IT) Cloud server providers, electronic signature services, and SMS/Email delivery solutions (encrypted data).
Retention & Storage Periods
Your Legal Rights (GDPR)
| Right | Operational Description |
|---|---|
| Right of Access | Obtain a readable, clear, and complete copy of the data processed by our systems concerning you. |
| Right to Rectification | Request the correction, update, or completion of any obsolete or inaccurate information in your file. |
| Right to Erasure | Request the deletion of your data ("Right to be forgotten"), subject to our legal banking retention obligations. |
| Right to Portability | Receive your data in a structured, commonly used format to transmit it to another financial institution. |
Data Protection Officer (DPO)
For any request to exercise your rights or questions regarding the processing of your personal information, our Data Protection Officer (DPO) is your primary contact. Your request will be processed within a legal period of 30 days.
Digital Channel (Fast)
info@stabilys-grup.comPostal Mail
Bd du Pont-d'Arve , 1205 Genf, Schweiz
