1. Introduction
At Vistula Finance Ltd. (“we”, “our”, “us”), we are committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal data when you visit our website www.vistulafin.com (the “Site”) and use our services.
By accessing and using the Site, you agree to the collection and use of your personal data in accordance with this Privacy Policy.
If you have any questions or concerns regarding this Privacy Policy or our practices, please contact us at contact@vistulafin.com.
2. What Personal Data Do We Collect?
We collect different types of personal data, depending on your interaction with our website and services. The personal data we collect includes:
a. Personal Identification Information
Name
Email address
Phone number
Address
Date of birth
Social security or personal identification number (if required for credit processing)
b. Financial Information
Income details
Bank account information (if relevant for payments or loan processing)
Credit history (when applying for a loan)
c. Technical Information
IP address
Device and browser information
Cookies and tracking data (for website analytics and functionality)
3. How We Use Your Personal Data
We use your personal data for various purposes, including but not limited to:
To process your credit application: This includes verifying your identity, evaluating your financial status, and assessing your eligibility for loans.
To communicate with you: We may use your contact information to send you updates, confirmations, and notifications related to your application or account.
To improve our services: We analyze your interactions with our website and services to improve user experience, functionality, and overall service delivery.
To comply with legal obligations: We may be required to collect and process certain personal data in order to comply with applicable laws, regulations, and financial regulations.
4. How We Share Your Data
We do not share your personal data with third parties unless:
Required by law: If we are required to share your data to comply with legal obligations, such as responding to subpoenas or government requests.
Service providers: We may share data with trusted third-party service providers who help us deliver our services, such as payment processors, credit bureaus, and data storage providers. These third parties are contractually obligated to protect your data.
Marketing partners: We may share your information with carefully selected partners to send relevant promotional materials or offers, but only if you have given your consent to do so.
5. How We Protect Your Personal Data
We use a variety of security measures to ensure the protection of your personal data, including encryption, access controls, and secure server infrastructure. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
6. Data Retention
We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, including any legal, accounting, or reporting requirements. After this period, your data will be securely deleted or anonymized.
For example:
Credit application data: Retained for up to 5 years after the conclusion of the transaction or the closure of the account.
Cookies and tracking data: Retained for the duration of the session or until you clear your browser’s cookies.
7. Your Rights Under GDPR
As a user of the Site, you have the following rights regarding your personal data:
Right of Access: You have the right to request a copy of your personal data that we hold.
Right to Rectification: You can request that we correct any inaccurate or incomplete personal data.
Right to Erasure (“Right to be Forgotten”): You can request the deletion of your personal data, subject to certain exceptions.
Right to Restrict Processing: You can request that we limit the processing of your data in certain circumstances.
Right to Object: You can object to the processing of your personal data, including for marketing purposes.
Right to Data Portability: You have the right to request that we transfer your personal data to another service provider in a structured, commonly used, and machine-readable format.
To exercise any of these rights, please contact us at contact@vistulafin.com. We will respond to your request in accordance with applicable data protection laws.
8. Cookies and Tracking Technologies
We use cookies and other tracking technologies (such as web beacons) to enhance your experience while visiting our Site. Cookies are small data files stored on your device that allow us to recognize you and track your usage of the Site.
For more detailed information about the cookies we use, please refer to our Cookie Policy [here].
9. Third-Party Links
The Site may contain links to third-party websites. These third-party sites are not operated or controlled by us, and we are not responsible for their privacy practices or content. We encourage you to review the privacy policies of any third-party sites before providing them with your personal data.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. We will notify you of any material changes by posting the new policy on this page and updating the “Last Updated” date at the bottom.
11. Contact Us
If you have any questions or concerns about this Privacy Policy or how we handle your personal data, please contact us at:
Email: contact@vistulafin.com
Phone: 0788903914
12, Kalevantie, 00100 Helsinki, Finland