Last update: april 2021
In compliance with the provisions of the Regulation (EU) Nº 2016/679 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (“GDPR”), we inform you that the society “LSP FINANCE, S.L.U” (hereinafter referred to as “Instant Credit”) will be the data controller of your personal data.
For the purposes of this privacy policy, the term “users” shall be understood as all those individuals who provide their personal data to Instant Credit through our website www.instantcredit.net by (i) subscribing to our Newsletter as well as (ii) for us to contact them via the contact form.
In this Privacy Policy we provide users the general information about how Instant Credit will use their personal data through the use of our web page, to whom we may communicate them, its storage period or the different rights granted by law to protect their privacy. In the case of requesting or contracting any service offered by Instant Credit through the platform, all applicable privacy information will be included.
In connection to the foregoing, we clarify that all information regarding the use of cookies on our website and the users’ personal data that we collect by their browsing on our website, is detailed and available in our Cookies Policy
Any doubt about the protection of your personal data should be addressed to:
We shall now indicate the legal basis that allows us to process the users’ personal data according to the use we are going to give in each case.
Legitimate interest:
Instant Credit will need to treat the personal data of users who contact us through our web page, to assist them and respond to their questions, doubts or requests, based on legitimate interest.
Consent for sending Newsletter and commercial information:
We may send these communications to you by any means, including automated means.
At any time, if a user does not wish to continue receiving the Newsletter or any kind of commercial communication, it will be enough to indicate so via the link provided for this purpose in each Newsletter, or through an e-mail to gdpr@instantcredit.net, as indicated in section “g” of this privacy policy.
Fulfilment of a contractual relationship:
In those cases where a user contracts a service through our platform, we will need to process his personal data, as it is essential information to formalize, manage and comply with the contract that he wants to formalize, as well as to provide him with the services he has requested. In that case, the user shall be informed and asked for the necessary consents of the treatments, purposes, addressees, rights and all the extremes required by the current data protection regulations.
Fulfilment with legal obligations:
There will also be times when we must use users’ personal data to comply with certain legal obligations that apply to us; in these cases, and to the extent possible, we will inform you of this and the rule that imposes it on us.
This is particularly important given our condition of financial intermediation entity, subject to special controls and supervisory processes by different agencies and public authorities.
Instant Credit is the entity legally responsible for the collection, use, conservation and deletion, where appropriate, of the personal data of users. Therefore, as a general rule, they will only be used by us and will not be transferred to any third party.
In addition, in some cases we may also have to facilitate the users’ personal data to those third parties to whom we are legally bound, as for example to Courts and Tribunals or to State Security Forces and Bodies.
However, we would like to inform users that Instant Credit has the cooperation of third-party service providers acting as responsible for treatment, processing personal data in the name and on behalf of Instant Credit.
Instant Credit follows appropriate criteria for the selection of service providers in order to fulfil its data protection obligations and undertakes to subscribe with them the corresponding data processing contract, by means of which it will impose on them, among others, the following obligations: to implement appropriate technical and organizational measures; to process personal data for the purposes agreed upon and solely on the basis of the documented instructions of Instant Credit; and delete or return the data upon completion of the services.
In particular, Instant Credit may contract the provision of services by third-party service providers performing their activity, including, but not limited to, in the following areas: logistics services, legal advice, companies providing technological services, companies providing computer services, providers of instant messaging services, infrastructure management and maintenance of infrastructures and call centre service companies.
For the sole purpose of providing the user with an appropriate service on the Instant Credit platform, we will need to be able to provide your personal data to some companies located outside the European Economic Area, so please be advised that your data will be subject to the following international data transfers:
| Country | Company | Services | Warranties |
|---|---|---|---|
| USA | The Rocket Science Group LLC “Mailchimp” | Newsletters service | Decision of implementation (EU) 2016/1250 of the Commission, 12 July 2016 in accordance with Directive 95/46/EC of the European Parliament and of the Council in relation to the adequacy of the protection conferred by the EU-US privacy shield. |
The user has at its disposal a copy of such standard contractual clauses, or execution decision.
Instant Credit will store the personal data provided by users for as long as it is necessary for the purpose for which it was provided. That is to say, during the time that we need to deal with your queries or doubts, or as long as you are subscribed to our Newsletter, or while your authorization to send you possible commercial communications is in force.
After that, Instant Credit shall retain the users’ personal data but duly locked, for the legally established periods, in order to deal with any possible claims that may be made, at the disposal of the competent Public Administrations and Courts and Tribunals, or in order to comply with the legal obligations that may be required of us at any given time. Once these legal deadlines have passed, we will remove them once and for all.
The user can exercise his rights of access, rectification, erasure, limitation of treatment, opposition and portability of his personal data in the terms established in the current legislation. To do so, you can apply directly to LSP FINANCE, S.L.U, to the postal address calle Sena nº 12 (polígono industrial Can Sant Joan), 08174, Sant Cugat del Vallés, or by sending a request to the email address gdpr@instantcredit.net, providing a copy of your National Identity Document or equivalent identification document in both cases.
| Right | Content |
|---|---|
| Access | The user shall be able to obtain confirmation as to whether Instant Credit is processing his personal data or not. In such a case, he shall be able to access his personal data. |
| Rectification | The user shall have the right to request the rectification of his personal data when they are inaccurate. |
| Erasure | The user may request the erasure of his personal data when, among other reasons, they are no longer necessary for the purposes for which he provided them to us. |
| Opposition | On certain occasions, mainly when Instant Credit is using your personal data for our legitimate interest, the user may object to the processing of his data. In such a case, and unless for legitimate reasons it is not possible, as otherwise provided (such as, for example, by the exercise or defence of potential claims), we will no longer process your personal data. |
| Limitation of processing | The user shall have the right to, in certain circumstances, request the limitation of the processing of his personal data. |
| Portability | The user, in those cases in which the treatment of his personal data is based on the consent or a contractual relationship, shall be able to request portability in order to transmit them to other responsible parties, in a format of common use and mechanical reading. |
Without prejudice to the custody and blocking obligation that Instant Credit is legally required to observe in relation to the personal data of our users, the user may withdraw his consent provided to the processing of his personal data. The user shall be able to carry out the foregoing at any time, free of charge, and without this implying any damage or detriment to the possible contractual relationship that may be maintained with Instant Credit.
If a user believes that we have not treated his personal data in accordance with the applicable regulations and especially when he has not obtained satisfaction in the exercise of his rights, he can contact our Data Protection Officer at the address dataprotectionofficer@bancsabadell.com. If he thinks it is appropriate, he may also file a complaint with a supervisory authority of the relevant Member State of the European Union. In the case of a user located in Spain, the latter may submit his claims or complaints to the Spanish Data Protection Agency whose website is www.agpd.es.
Users warrants that the information provided is true, accurate, complete and up to date, and shall be liable for any direct or indirect damage or injury that may be caused to Instant Credit or any third party as a result of a breach of such an obligation.
Instant Credit may update this privacy policy at any time. In such a case, if such update implies a relevant and substantial change in the legal terms and conditions regarding privacy, an updated version of the Privacy Policy will be sent to the user, through the email address that he has provided to us. Also, the user will be able to access the Privacy Policy at any time through our web page.
Sabadell Consumer Finance S.A.U con domicilio social en Pl. Catalunya, 1, 08201 SABADELL, NIF A63574719, inscrito en el R. Mercantil de Barcelona, tomo 42.960, folio 80, hoja B295423, inscripción 73.
Correo electrónico AtencionAlClienteSCF@bancsabadell.com.
Todos los derechos reservados.