Effective date: 29 September 2023
Effective date: 29 September 2023
Please take a moment to read this policy to understand the choices you have when it comes to cookies and your data. Your privacy matters to us, and we want to empower you to make informed decisions.
We are a Leading Pan-European Debt Specialist providing debt solutions for banks and institutional vendors. Our vendors and business partners can rely on our solid industry experience and trust that we aim for best practices in all our activities.
Cookies are small text files that websites place on your device as you are browsing. They are processed and stored by your web browser. In and of themselves, cookies are harmless and serve crucial functions for websites. Cookies can also generally be easily viewed and deleted.
Our website collects some Personal Data from its Users (Visitors). When you visit our website, it may store or retrieve information on your browser, mostly in the form of cookies.
This information might be about you, your preferences, or your device and is mainly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalized web experience.
Because we respect your right to privacy, you can choose not to allow some types of cookies. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer.
Types of cookies based on their purpose, duration, and source.
Strictly Necessary Cookies (Essential Cookies)
|It is essential for our site to function correctly. Cookies are automatically set when you use our site and cannot be turned off. They don't store personal information.|
Preferences Cookies (Functional Cookies)
|These enhance your experience by remembering your language preference, region, and login details. If disabled, some services may not work correctly.|
|Performance Cookies||These help us analyze site performance and visitor behaviour. Information is anonymous and aggregated. Disabling them means we can't monitor site performance.|
|Statistics Cookies (Analytics)||They collect anonymous data about your site usage to improve functionality. Some are from third-party analytics services, solely for our use.|
Marketing Cookies (Advertising Cookies)
|These track your online activity to deliver relevant ads. They may share data with other organizations. They are usually third-party and result in more personalized ads.|
|Source||First-Party Cookies||Our website puts First-party cookies on your device directly when you visit.|
|Third-Party Cookies||Set by external services like advertisers or analytics tools.|
|Duration||Session Cookies||Set by external services like advertisers or analytics tools.|
|Webpage Cookies||Stay until deleted or expire for up to 12 months.|
When you visit and use our website, we collect certain data to enhance your experience and provide you with the right content.
We collect data automatically during your visit through cookies and similar technologies, such as your IP address, browser type, device information, and website usage patterns.
Data Linkage: The data collected through cookies is not always directly linked to your identity. It is usually collected and processed in an anonymous and aggregated form to analyze website performance, user behavior, and improve our services.
However, the data collected through cookies and similar technologies may be linked to your identity when you provide personal information through forms on our website. This linkage enables us to tailor your experience, provide relevant content, and improve our services.
How Do We Collect Your Data through Cookies?
|Purpose||Details on purpose||Legal base||Data processed|
|Ensuring website security||We process your personal data to protect our website's security, prevent unauthorized access, and stop fraudulent activities.||Legitimate interest||IP addresses, device information, browser information, website usage data, clickstream data, and session info.|
Cookies and tracking technologies
|We collect data about your browsing activities, preferences, and interactions through cookies and similar technologies.||
Consent (Unless strictly necessary)
|IP address, device information, browser information, website usage data.|
|Cookie consent recording||We request and record your consent for non-essential cookies and manage cookie preferences to comply with legal requirements.||
Legal obligation, Legitimate Interest
|Recording of your consent for non-essential cookies, cookie preferences, device and browser info, IP address.|
|Data retention execution||We process data to meet legal obligations, like record-keeping requirements, data retention and erasure requirements||Legal obligation||Erasure of data collected after the retention period has expired.|
Website analytics and performance
|We use data for website analysis to enhance performance and user experience.||
|Website usage data, clickstream data, session info, device info, browser info, anonymized data, preferences.|
|Research and development||We process data to improve website features.||Consent||Website usage data|
|Location-based Iinteractions||We collect geolocation data with your consent to enhance your website experience.||Consent||Geographic position|
|Customizing user experience||We personalize your website experience based on your preferences.||Consent||Website usage data, page views, clickstream data, session info, device info, browser info.|
|Personalized marketing and advertising||We collect data to deliver personalized marketing communications and targeted advertising based on your website preferences and behavior.||Consent||IP address, device information, browser information, website usage data, demographic information, visitor interactions.|
Responding to legal requests
|We process data to respond to legal requests, such as court orders or law enforcement inquiries.||Legal obligation||All personal data collected through cookies.|
By default, the browsing experience of our website visitors is NOT tracked by our website. You may, though, choose to consent to our processing of personal data collected during your browsing experience on our website to allow us to improve your visiting experience.
If you enable the Do Not Track option (see below for an explanation) in your web browser, we will respect your choice and your browsing experience on our website will not be tracked.
If you have not enabled the Do Not Track option, we will show you a cookie banner for you to make your choice and install a consent cookie to keep track of your choice. If you consent to the processing of your personal data by using cookies, then our website is activated and some relevant cookies loaded (i.e., essential, and non-essential ones, as described below under the section “Cookies we use on our website”. You can always decide to withdraw your consent or consent again at any time.
The cookie consent expires after a maximum of 12 months. Then, if your Do Not Track option is not enabled, you will be shown the cookie banner again to renew your choice. In case you have disabled all cookies, you will be shown the cookie banner at each visit to our website.
If you don’t make a choice in the banner, no cookies will be deployed (either essential or non-essential), but the banner will re-appear every time you visit our website. If you wish to consent to (or withdraw your consent from) please express your option to manage your consent regarding cookies.
Removing Cookies from Your Device
You can delete all cookies that are already on your device by clearing the browsing history of your browser. This will remove all cookies from all websites you have visited. Be aware though that you may also lose some saved information (e.g., saved login details, site preferences).
Managing Site-Specific Cookies
Necessary cookies are required for providing the website service and cannot be disabled. However, you have the option to manage settings related to all other types of cookies by clicking cookie management on our webpage. For more detailed control over site-specific cookies, check the privacy and cookie settings in your preferred browser.
You can set most modern browsers to prevent any cookies from being placed on your device, but you may then have to manually adjust some preferences every time you visit a site/page. Some services and functionalities may not work properly at all (e.g., profile logging in).
Managing Our Cookies
You can manage your preferences concerning cookies from our website by clicking the cookie management option.
Our website usually keeps cookie-collected data until you finish browsing, or up to 12 months, and automatically deletes visitors' logs after 12 months. Aggregated data sets containing no personal data may be stored for an indefinite period for analytical purposes.
Based on your consent and provided preferences, we use statistical and marketing cookies from Matomo Analytics and Google Analytics to enhance our website functionality, analyze user behaviour, and improve our services.
These cookies help us understand how our website is used and provide you with tailored content and marketing communication.
In simple terms:
Our trusted partners assist us in managing these cookies.
|Cookie name||Purpose & usage||Data collected||Type & distribution||Host|
|cookie-consent||This cookie remembers your consent preferences regarding cookie files. It ensures that the website complies with your choices.||It may store technical data related to user consent, such as the consent choice (acceptance or rejection of non-essential cookies).||
First Party Cookie
Strictly necessary (Essential) Cookie
|_gat||This cookie enables Google Analytics to regulate the rate of data requests and helps improve website performance by managing data requests during a browsing session.||This cookie may collect technical data related to website usage, such as page views, session duration, and general site interaction patterns. However, it does not collect directly identifiable personal data.||
First Party Cookie
Performance Cookie (HTTP cookie)
|_gid||This cookie keeps a unique ID entry, used to generate statistical data on website usage by visitors. It contributes to improving the website's performance and user experience during browsing.||This cookie may collect technical data related to how you interact with our website, such as page views, session duration, and general site interaction and usage patterns. It does not collect directly identifiable data.||
First Party Cookie
|collect||Sends data, such as visitor behaviour and device information, to Google Analytics. While it primarily helps in improving website performance and user experience, it may indirectly collect technical data related to user behaviour on the site. It can keep track of the visitor across marketing channels and devices.||This cookie collects information about user’s browsing patterns and content interests, but it does not directly collect identifiable personal data.||
Marketing Cookie (pixel tracker type of cookie)
|Our website and Google|
Profiling: We may use profiling techniques in the following contexts:
Automated Decision-Making: We do not engage in automated decision-making processes that produce significant legal effects or similarly significant consequences for individuals based solely on automated processing.
In summary, the profiling activities described above are implemented with the intention of enhancing your user experience and improving website performance. We value your privacy and offer options for consent and control over your data preferences. If you have any questions or concerns about our profiling practices, please don't hesitate to contact us using the information provided in our "Contact us" section.
At times, it's necessary for us to share your personal data with others to fulfil our legal and contractual obligations and to pursue our legitimate interests, we may share the data with our affiliates, subsidiaries, or service providers to facilitate our business activity. We take measures to ensure the security and confidentiality of your data when shared.
The following are examples of possible categories of recipients of your data:
|Service providers||These are companies that assist us in managing our business activity, including technical support, hosting, cloud solutions, security and risk management tools, data analysis, and IT services. These partners are contractually bound to comply with our data privacy and security requirements, ensuring the protection of your personal information. They are authorized to access personal data solely for the purposes we specify, contributing to the efficiency and security of our services.|
|Professional advisors||We might work with lawyers, accountants, auditors, or consultants who could access your data while providing their services.|
|Legal and regulatory authorities||Occasionally, legal obligations may require us to share email data with law enforcement, regulators, or government authorities.|
|Business transfers||If we undergo a merger, asset sale, or significant organizational change, your email data may be transferred to the new entity or owners.|
|Third-party tools and platforms||We use various third-party tools and platforms to enhance our processes. These tools may process your email data on our behalf.|
|Other authorized recipients||There might be other authorized recipients we have to share data with, depending on specific situations and laws.|
We may need to transfer your data to countries outside the European Economic Area (EEA) or places with different data protection rules. We take steps to protect your data, including:
We are committed to transparency and ensuring that your data subject rights are accessible and cost-free:
|Right to withdraw your consent at any time||You can withdraw your consent for the processing of your Personal Data at any time.|
|Right to be informed||You have the right to be informed about how your Personal Data is collected and processed. This includes knowing the purposes of the processing, who is processing your data, and how long it will be kept.|
Right to object processing
|When we process your Data based on public or legitimate interest, you can object to it.|
|Right to access your data||You can find out if we process your Data, get details about the processing, and a copy of your Data.|
|Right to rectify your data||You have the right to ensure that your Personal Data is accurate and to request corrections if necessary.|
|Right to restrict the processing of your data||You have the right, under certain circumstances, to restrict the processing of your Data. In this case, we will not process the Data for any purpose other than storing it.|
|Right to have your data erased or otherwise removed||You have the right, under certain circumstances, to obtain the erasure of your Data.|
|Right to portability of your data||You can receive your Data in a structured, machine-readable format and, if possible, have it sent to another controller. This right applies when your Data is processed automatically, based on your consent, a contract, or pre-contractual obligations.|
|Right to not be subject to profiling and automated decision-making||You have the right not to be subjected to solely automated decision-making processes, including profiling, that significantly affect you. This means that important decisions, such as those related to your rights, benefits, or legal matters, should not be made solely by automated systems without human intervention. This right safeguards against unfair or discriminatory automated decisions.|
|Right to lodge a complaint||You have the right to bring a claim before the Norwegian Supervisory Authority at https://www.datatilsynet.no/en/ or directly to the court.|
Limitations or Exceptions to Data Subject Rights:
While we respect your rights, legal or legitimate reasons may prevent us from fulfilling some requests. For instance, if it conflicts with our legal obligations or others' rights. We'll explain why if we can't fulfil your request.
Withdrawing Your Consent
You can withdraw your cookie consent at any time. To do so you can Opt-Out for non-essential cookies by adjusting your settings in your device or browser. Essential cookies for security will still be active.
If you withdraw consent for non-essential cookies, some website features and personalized content may not be available to you. This may affect your overall user experience on our website. Withdrawing consent does not affect the lawfulness of any processing that occurred before your withdrawal. We are committed to respecting your choices and privacy preferences.
To request any action regarding your rights, contact us by email at firstname.lastname@example.org or by postal mail to our head office. Our Data Protection Officer (DPO) will assist you and respond as soon as possible, not later than three months.