PRIVACY POLICY

Responsible for the processing of personal data

AX CAPITAL.

Contact Delegate of Data Protection: info@axcapital.com

For what and with what legitimacy do we treat your personal data?

Management of queries, complaints / incidents and claims made by the user. AX CAPITAL.  will perform those data processing necessary for the attention of the request required by the user. In this way, we will treat data such as your name, surname, e - mail, telephone number, province, zip code, as well as information about whether the user is a customer or not. Management of the user client area. AX CAPITAL.  Computer control of the web page. AX CAPITAL. will carry out actions to monitor and control the use of the website in order to prevent and detect any fraudulent use (such as technical manipulations, code modifications) This treatment is necessary to comply with those legal obligations established by the Law of Services of the Information Society and Electronic Commerce, in order to avoid, prevent and / or detect any unauthorized access, alteration or loss of that information related to third parties different from the user that can generate AX CAPITAL civil, criminal and / or administrative responsibilities. In case you request a financing through the web. Your data will be treated in accordance with the Privacy Clause that you will have to accept at the time of such request. Processing of cookie data. Information regarding the cookie policy is located at the following link: 

info@axcapital.com

How long will we keep your data

AX CAPITAL. will process your data during the time necessary to attend the request required by the client. In this sense, we will keep your personal data blocked during the pre-registration period for actions that may arise from the relationship maintained with the interested party or for the attention of public authorities' requirements.

Who will we communicate your data to?

To third parties such as public bodies, the Tax Agency, Judges and Courts, in compliance with the applicable regulations. To CIRBE, in compliance with applicable regulations. To common equity solvency files in case of default. Fraud prevention entities for the prevention of fraud based on the legitimate interest of AX CAPITAL. To the Group for the sale and management of the Customer Service Department based on the execution of the contract and its legal obligations. You can consult the companies of the Group, as well as their activities, at the following address: info@axcapital.com

In addition, AX CAPITAL. has the collaboration of third party service providers that may have access to your personal data and that will treat the aforementioned data in the name and on behalf of AX CAPITAL, as a consequence of its provision of services. follows strict criteria for the selection of service providers in order to comply with their data protection obligations, and undertakes to sign the corresponding data treatment contracts with them, through which it will impose them, among others, the following obligations: apply appropriate technical and organizational measures; to treat personal damages for the agreed purposes and taking only the documentary instructions of AX CAPITAL. and delete or return the data to AX CAPITAL. once the provision of services ends. Some of these suppliers can be found in countries that are not declared at the appropriate level by the European Commission. For this reason, in its commitment to data protection, it will sign with them the corresponding data treatment contract following the guidelines set by the European Commission and will ensure the correct compliance with the European data protection regulations by these suppliers. For more information about international data transfers, go to.

How we got your data?

The personal data that AX CAPITAL. is about the user on its website are those that the user communicates in the corresponding information request or those that he has provided in the formalization of the contract in case of being a client.

How does AX CAPITAL. get the user's consent?

In cases where this is necessary, as has been previously stated, AX CAPITAL. will obtain the consent of the users through the specific boxes located in the forms,

What are the rights of users in data protection?

You have the right to obtain confirmation about whether AX CAPITAL. is processing personal data concerning you, or not, and, in such case, to access your personal data, as well as to request the correction of inaccurate data or, in If so, request its deletion when, among other reasons, the data is no longer necessary for the purposes that were collected. In certain circumstances, you may request the limitation of the processing of your data, in which case, we will only keep them for the exercise or defense of claims. You will have the right to challenge the decision on your credit rating that has been adopted in a fully automated manner. To exercise this right you can request the personal intervention of one of our analysts and express your point of view, so that your request is evaluated again.

For reasons related to your particular situation, you may object at any time to the processing of your data for direct marketing purposes and to the preparation of profiles for this purpose. In such case, AX CAPITAL. will stop processing the data, except for legitimate reasons or the exercise or defense of possible claims. You can request the portability of your data so that they are sent directly to the entity designated by him in a structured, commonly used and machine-readable format. You can from this moment and in any subsequent time withdraw the consent granted for the treatment. If you want to file a complaint about the processing of your data, you can contact the Data Protection Delegate of AX CAPITAL.

To exercise the rights mentioned in this section you can contact us through different channels: Through AX CAPITAL., you will find a specific section for the exercise of your rights quickly and safely. For any question that may arise with your AX CAPITAL. Client, you can contact our customer management service by email at Email Adress: info@axcapital.com

You can claim from the AX CAPITAL. L Agency; Data Protection (Control Authority competent in this matter)

Who is responsible for the processing of your data?

AX CAPITAL.

Contact Data Protection Delegate: info@axcapital.com

For what, and with what legitimacy, we treat your personal data?

Your data will be processed by AX CAPITAL. for:

a) Evaluation of your insurance application.In AX CAPITAL. we will treat the information that you provide us, and the information we obtain from the consultation , and other sources accessible to the public, being able to follow an automated procedure in relation to common patterns to manage your insurance application and verify and evaluate its legality. In this way we can carry out the study of the requested operation and approve or deny it according to risk criteria that this entity has established, thus complying with our sectoral regulations.

In the same way, we will record your voice and keep the telephone conversation when expressly indicated, both to maintain the quality of the service and to be able to use the recordings as evidence, either in court or extrajudicially, in case necessary. ikewise, AX CAPITAL. will consult its historical behavior in transactions that it may have subscribed in the past, including possible defaults already regularized, as many operations in force or already concluded provided that its financing agreement is in force. All these measures are necessary to attend and decide on your request for funding and have their basis of legitimacy in the formalization and development of this contract, for which it is necessary to provide the information required in the application form. AX CAPITAL. will keep and consult the history of your data once the contractual relationship is finished, for 6 years for the purposes described based on the legitimate interest.

b) Management, maintenance and control of the contractual relationship. If your insurance request is accepted, we will process your data for the issuance, management and maintenance of the same for the registration and collection of operations, as well as to carry out the different communications that it would be necessary to keep with you in order to manage the execution of the contract. Likewise, for the contracting, maintenance and correct fulfillment of the financing agreement, as well as the sale operation itself, it is necessary to exchange certain personal data between AX CAPITAL. and the companies of the AX CAPITAL.

 c) Register in the private area of ​​the web www.banksvcapital.com  As a result of your request, we will proceed to generate a username and password in the private area with the aim that you can perform the different management of your contract in it. For your registration we will send you an email indicating your username and password, which you will have to modify in your first access. This registration will be made based on our legitimate interest and with the aim of facilitating the execution of the contract.

 d) Prevention of money laundering and financing of terrorism, as well as other legal obligations. AX CAPITAL. will process your data to comply with certain legal obligations of internal control and supervision, on the prevention of money laundering and the financing, on the organization, supervision and solvency of credit institutions. Likewise, AX CAPITAL. is obliged to send information.

e) Detection of possible fraud attempts. AX CAPITAL. may consult your data in internal sources to create a list or alert system, which allows us to warn you of possible inconsistencies or irregularities that we detect in the documentation and information you provide us. In this case, and unless there is a circumstance of public interest, we will inform you of this and, if necessary, we will require additional information. Likewise, and until we carry out the appropriate checks, the study of the operation will be paralyzed. All this will be carried out both in its own legitimate interest and that of AX CAPITAL consisting of trying to detect and avoid possible fraud attempts. On the other hand, AX CAPITAL. may consult, for these purposes, external sources. Everything indicated in this section will be carried out based on the legitimate interest to avoid possible fraud attempts against new funding requests, as well as to comply with the risk assessment regulations.

f) Possible defaults. In the event of possible defaults on their part, they will be communicated to equity solvency entities, duly complying with the procedures, rights and guarantees established at any time and recognized by current legislation on the matter. The above will be carried out in the legitimate interest of AX CAPITAL.

to comply with an adequate control of risk, as well as for third-party financial institutions to be aware of the existence of defaults in the face of new financing requests.

g) Debt assignments and securitizations. In case AX CAPITAL.  decides to assign to third parties the management of certain debt portfolios, it is informed that, in accordance with applicable regulations, this will entail the transfer of personal data associated with it. h) Customized business actions by AX CAPITAL. of:

(i) Own products. AX CAPITAL. may send you commercial communications referring to its products or services similar to those that are subject to contracting (by mail, fax, SMS, email and any telematic means), based on services of the information society and electronic commerce, using only internal sources following an automated procedure in relation to common patterns and consulting the history of your data as long as the financing contract remains in force. In any case, you can always oppose such treatment, under the terms of section

5. If you give us your consent, AX CAPITAL. may send you personalized commercial communications of similar products or services to those that are subject to contracting (through mail, fax, SMS, email and any telematic means) based on in the profile of solvency and risk that AX CAPITAL elaborates of you, going to both internal and external files (of solvency or of third parties), or to sources accessible to the public, even once the contractual relationship is extinguished.

(ii) Third-party products. If you give us your consent, AX CAPITAL. May send you personalized commercial communications of products or services marketed by third parties (by mail, fax, SMS, email and any telematic means), previously adapted to your profile, including a Once the contractual relationship has expired.

(i) Group of AX CAPITAL. for the development of commercial or advertising actions based on their profile.

You give us your consent, AX CAPITAL. may transfer your personal data and based on your financial profile to the companies of the AX CAPITAL so that these companies send you offers of their products according to their interests through mail, fax, SMS, email and any electronic means.

How long will we keep your data?

AX CAPITAL. will process your data as long as your financing agreement is in force. Extinguished the contractual relationship, we will keep your personal data blocked during the statutory limitation periods that, in general, are ten (10) years, by application of the rules of prevention of money laundering and financing of terrorism.

To what will we allocate your data?

To third parties such as public bodies, the Tax Agency, Judges and Courts, in compliance with the applicable regulations. 

To the common solvency files in case of non-payment. To fraud prevention entities for the prevention thereof based on the legitimate interest of AX CAPITAL.

To third parties assignees of the credit and of the rights of this contract, in accordance with the legislation in force. 

To the AX CAPITAL. Group for the operation of sale and management of Customer Service based on the execution of the contract and its legal obligations. 

Only with your consent, to companies of the AX CAPITAL. Group for the sending by them of commercial or advertising communications.

Third parties, who, for reasons of reinsurance, co-insurance or for the operation in the management of claims and benefits, must necessarily intervene in the management of the Policy and its losses. 

Some of these suppliers may be found in countries that do not they are declared at the appropriate level by the European Commission. For this reason AX CAPITAL.  in its commitment to data protection, will sign with them the corresponding data treatment contract following the guidelines set by the European Commission and will ensure the correct compliance with the European data protection regulations by these providers. For more information about international data transfers, please go to info@axcapital.com 

In addition, AX CAPITAL.  has the collaboration of third party service providers that may have access to your personal data and that will treat the aforementioned data in the name and on behalf of AX CAPITAL, as a consequence of their rendering of services. AX CAPITAL. follows strict criteria for the selection of service providers in order to comply with its data protection obligations, and undertakes to sign the corresponding data treatment contract with them, through the which will impose, among others, the following obligations: apply appropriate technical and organizational measures; treat the personal data for the agreed purposes and taking only the documened instructions of AX CAPITAL; and delete or return the data to AX CAPITAL  once the provision of services ends.

Specifically, AX CAPITAL. will contract the provision of services by third-party providers that carry out their activity, by way of example and not limitation, in the following sectors: logistics services, legal advice, approval of suppliers, companies of multidisciplinary professional services, companies related to maintenance, companies providing technology services, companies providing computer services, physical security companies, providers of instant messaging services, infrastructure management and maintenance companies and call center services companies.

What are your rights when you provide us with your data? 

You have the right to obtain confirmation about whether AX CAPITAL is processing personal data concerning you, or not, and, in such case, to access your personal data, as well as to request the correction of inaccurate data or, where appropriate, request their deletion when, among other reasons, the data is no longer necessary for the purposes that were collected. In certain circumstances, you may request the limitation of the processing of your data. 

You will have the right to challenge the decision on your credit assessment that has been adopted in a fully automated manner. To exercise this right you can request the personal intervention of one of our analysts and express your point of view, so that your request is evaluated again. 

For reasons related to your particular situation, you may oppose at any time, to the processing of your data for direct marketing purposes and the preparation of profiles for this purpose. In this case, AX CAPITAL. will stop processing the data for that purpose. 

You may request the portability of your data so that they are sent directly to the entity designated by him in a structured format, commonly used and mechanical reading. 

You can from this moment and in any other later one withdraw the consent granted for the treatment. 

If you want to file a claim about the processing of your data, you can go to the Delegate of Data Protection of AX CAPITAL. If you deem it necessary, you can contact the Spanish Data Protection Agency (Control Authority competent in this matter), To exercise the rights mentioned in this section, you can contact us through your personal space, where you will find a specific section for the exercise of your rights quickly and safely, or by writing to the Delegate of Data Protection of AX CAPITAL, proving your identity (ID or similar identification document), through the following channels: Email address: info@axcapital.com