Privacy Policy

Last updated: June 15, 2025

1. Collection of Personal Data

As part of our consulting services in credit structure analysis and commercial debt management, we collect the following categories of data: name, email address, phone number, financial data related to loan cost assessment, and debt history. This data is voluntarily provided by the user through the contact form or during audit sessions on repayment capacity.

2. Purpose of Processing

Personal data is used exclusively for: providing personalized refinancing strategies, assessing loan costs, auditing repayment capacity, and communicating the results of financial analyses. Processing is based on the user's explicit consent and contractual obligations.

3. Cookies and Trackers

Our website uses essential cookies for proper functioning (session cookies) and analytical cookies to improve the experience. We do not use third-party trackers for behavioral advertising. You can manage cookie preferences from your browser settings.

4. Transfer of Data to Third Parties

We do not sell, rent, or share personal data with third parties, except as required by law (competent authorities) or with technical service providers (hosting, email platforms) that comply with GDPR. All our partners are contractually obligated to maintain data confidentiality.

5. User Rights

You have the right to request access to personal data, rectification, erasure ("right to be forgotten"), restriction of processing, data portability, and withdrawal of consent at any time. To exercise these rights, you can contact us at the email address below.

6. Data Security

We implement appropriate technical and organizational measures (SSL encryption, restricted access, periodic audits) to protect data against unauthorized access, loss, or disclosure. We store data on secure servers within the European Union.

7. Contact for Privacy Questions

For any requests related to the processing of personal data, you can contact us at:

This policy complies with the principles of Google Ads Misrepresentation and Google EU User Consent Policy, ensuring full transparency in data collection and processing.

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