It also sets out your rights in relation to your information and who you can contact for more information or queries.
We are committed to protecting your privacy and handling your information in an open and transparent manner.
When we refer to “our Website” or “this Website” in this policy we mean the specific webpages with a URL commencing “http://www.qarad.com”.
In the course of providing services to you or our clients and performing due diligence checks in connection with our services (or discussing possible services we might provide), we will collect or obtain personal data about you.
We may collect or obtain such data because you give it to us (for example in a form on our Website), because other people give that data to us (for example your employer or adviser, or third-party service providers that we use to help operate our business) or because it is publicly available.
The personal data that we collect or obtain may include:
The types of personal data that we collect may vary depending on the nature of the services that we provide to you or our client.
We understand the importance of protecting children’s privacy. Our Website and services are not designed for, or intentionally targeted at, children. It is not our policy to intentionally collect or store information about children.
We will use your personal data to provide you or our client with the requested services. As part of this, we may also use your personal data in the course of correspondence relating to the services. Such correspondence may be with you, our client, our service providers or competent authorities. We may also use your personal data to conduct due diligence checks relating to the services. Because we provide a wide range of services to our clients, the way we use personal data in relation to our services also varies.
For example, we might use personal data:
We may also use your personal data for the purposes of, or in connection with:
In all above cases, we give you the opportunity to decline our offers and requests at any time. In specific cases if needed, for example in case you are not yet a client, we will make sure to obtain your prior consent before sending you communications’ materials or other marketing requests (see also below, “The legal grounds we use for processing personal information”).
As a result, we use your personal data for the purposes outlined above because:
Where we are legally required to obtain your explicit consent to provide you with certain marketing materials, we will only provide you with such marketing materials where we have obtained such consent from you or when we have entered into an agreement to provide services to you.
If you do not want to continue receiving any marketing materials from us, you can click on the unsubscribe function in any such communication.
We may share your personal data with the below third parties:
Personal data may be shared with government authorities and/or law enforcement officials if required for the purposes above, if mandated by law or if needed for the legal protection of our legitimate interests in compliance with applicable laws.
Personal data may also be shared with third party service providers who will process it on behalf of Qarad for the purposes above. Such third parties include, but are not limited to, providers of website hosting, maintenance and call centre operation.
We use a range of physical, electronic and managerial measures to ensure that we keep your personal data secure, accurate and up to date. These measures include:
Although we use appropriate security measures once we have received your personal data, the transmission of data over the internet (including by e-mail) is never completely secure. We endeavour to protect personal data, but we cannot guarantee the security of data transmitted to us or by us.
We will hold your personal data on our systems for the longest of the following periods:
The personal data that we collect from you is stored within the European Economic Area (“EEA”), however in some specific cases it may be transferred to and stored outside the European Economic Area (“EEA”). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers, in which case the third country’s data protection laws will have been approved as adequate by the European Commission or other applicable safeguards are in place.
You have various rights in relation to your personal data. In particular, you have a right to:
To exercise any of your rights, or if you have any other questions about our use of your personal data, please email email@example.com
or call our office at +32(0)14 49 04 22. You may also use these contact details if you wish to make a complaint to us relating to your privacy.
If you are unhappy with the way we have handled your personal data or any privacy query or request that you have raised with us, you have a right to complain to the Data Protection Authority (“DPA”) in your jurisdiction.
The Belgian Data Protection Authority is supervisory authority for Qarad BV (Belgium) and Qarad EC-REP BV and can be contacted via:
Belgian Data Protection Authority Gegevensbeschermingautoriteit (GBA)
Rue de la Presse 35 / Drukpersstraat 35
1000 Bruxelles / 1000 Brussel
Tel. +32 2 274 48 00
The Dutch Data Protection Authority is supervisory authority for Qarad BV (the Netherlands) and can be contacted via:
P.O. Box 93374
2509 AJ Den Haag / The Hague
Tel. +31 70 888 8500
Fax +31 70 888 8501
The English Data Protection Authority is supervisory authority for Qarad UK Ltd (United Kingdom) and can be contacted via:
Information Commissioner’s Office (ICO)
Wycliffe House Water Lane
Telephone: 0303 123 1113
Textphone: 01625 545860