CLOVEX Data Protection Policy

The Data Protection Policy defines the conditions under which CLOVEX your personal data (information that identifies or can identify you) and how you can exercise your rights in accordance with the regulations in force.

1. Collection of Personal Data

In the context of your information requests, orders or the management of the contractual relationship, CLOVEX , as the main data controller, collects information about you. Unless otherwise specified, this data is necessary to process your request. Without this data, we cannot handle your request.

Types of Data Collected

CLOVEX only collects the personal data that is necessary for its business, for example:

Identification Details : name, surname, date and place of birth, nationality.
Contact Details : postal address, email, phone number.
Personal and Professional Details : family situation, job, employer, etc.
Interaction Data : phone conversations, emails, messages, live chat.
Economic and Financial Data : income, expenses, bank details, service products.
Navigation Data : cookies and connectivity data related to the use of our online services, in accordance with our Cookie Policy.

2. Objectives of the Collection

a) Service and Order Management

Order processing, customer management, delivery tracking, statistics and service improvement.
Some telephone conversations may be recorded for specific or training purposes.
Data may be used to assess financial flexibility or to block incomplete payments (scoring).

b) Compliance with Legal Obligations

Combating money laundering and terrorist financing, account retention, complaint management and regulatory compliance.
Checks and security measures in accordance with applicable laws.

c) With the legal interest of CLOVEX

Protection against fraud and detection of irregularities.
Use cookies and trackers to secure transactions and analyze suspicious behavior.
Interaction analysis and profiling to personalize offers and improve customer service.

3. Data Collection and Recipients

Most of the data is provided directly from you.
Certain data may be obtained from third parties, public databases or service providers.
Data may be shared with service teams or providers to handle specific tasks, who are subject to confidentiality and security obligations.
Data may be shared with other parties or sources within CLOVEX to manage risks and legal obligations.
Data may be transferred to international providers with equivalent level of protection guarantees.

4. Direct Marketing

If you do not opt-out, you may receive marketing offers from CLOVEX or its partners via email, SMS or postal mail.
You can block marketing processing at any time through your customer space or by using our customer service.

5. Data Retention Time

Data Type	Retention Time
Prospects	3 years after last contact
Customers	During the contractual relationship + legal times
Product/Service Details	5 years after the end of the relationship
Account documents and warranties	10 years after the end of the practice or contract
Cancellation or rejection of applications	6 months after the decision

6. Your Rights

You have these rights:

Access : view all your data.
Corrections : correction of incorrect or incomplete data.
Portability : access your data in a readable format and transfer it to other responses.
Objection : blocking marketing processing or certain processing, other than your consent.
Deletion : request that your data be deleted in certain cases.
Restriction : limitation of processing during application examination.
Post-death instructions : deciding what happens to your data after your death.