Introduction
Crédit Mutuel Factoring attaches great importance to the quality of the relationship it maintains with its interlocutors.
To gain your trust, we are very careful about protecting the personal data we collect from you. This data is processed in accordance with the Act no. 78-17 of 6 January 1978, amended, relating to data processing, files and freedoms and with (EU) 2016/679 regulation dated 27 April 2016 relating to the protection of persons with regard to the processing of personal data and to the free movement of such data (GDPR).
This document demonstrates the commitment made to implement the appropriate technical and organisational measures when collecting and using the personal data of natural persons acting on behalf of a legal person (legal representative, employee, etc.) or the data of natural persons transmitted to us for the execution of the signed contract/service (hereinafter referred to as "data subjects"), when subscribing to products and/or services and throughout our relationship, to ensure responsible use of personal data.
Personal data collected on natural persons in the context of relations with Crédit Mutuel Factoring concerns, among other things, information relating to the identity or contact details of natural persons directly or indirectly linked to interlocutors (employees, signatories, managers, effective beneficiaries, etc.).
All natural persons whose personal data is transmitted to us must be informed, in particular, of their rights. This personal data protection policy may be sent to data subjects in order to present the methods of processing their data by Crédit Mutuel Factoring.
If the personal data has been transmitted by a third party, it will be their responsibility to inform these natural persons of the policy described here.
Data controller
The processing of this personal data is carried out under the responsibility of Crédit Mutuel Factoring, whose head office is located at: Tour D2 - 17 place des Reflets, 92988 Paris La Défense Cedex, France, which has appointed a data protection officer who can be contacted at the following address:
Monsieur le Délégué à la Protection des Données
63 Chemin Antoine Pardon
69814 Tassin Cedex
Purpose of processing in the context of relations with Crédit Mutuel Factoring
Personal data is collected, in particular, for: management of the commercial relationship and the products and services subscribed to, including prospecting and sales promotions, collection, credit risk assessment, security and prevention of unpaid debts and fraud, the management of personal securities, follow-up of the signatory's registration policy as part of the electronic signature, the fight against money laundering and the financing of terrorism, the management of incidents as well as the implementation of our legal and regulatory obligations.
Professional secrecy and Security
All useful precautions are taken to ensure the security and confidentiality of this personal data, in particular to prevent its loss, alteration, destruction or access by unauthorised third parties. Personal data is protected by professional secrecy in accordance with the provisions of articles L.511-33 et seq. of the French Monetary and Financial Code to which Crédit Mutuel Factoring is bound. It may be shared within the Group to which we belong for the same purposes, as well as to legally authorised administrative and judicial authorities. Providers offering certain services on behalf of Crédit Mutuel Factoring may have access to the personal data necessary for the performance of their services. They are subject to compliance with the obligations related to the applicable legislation on the protection of Personal Data. During certain operations, personal information may be transferred to a country outside the European Economic Area with an adequate level of protection or under an agreement specifying the level of guarantees and protection.
Means of exercising rights
Data subjects benefit from a right of access, rectification, erasure, limitation of processing, and opposition under the conditions provided for by law. To exercise them, they should simply make a written request to the following address: Crédit Mutuel Factoring Tour D2 - 17 place des Reflets, 92988 Paris La Défense Cedex for the attention of “Direction Conformité” or by email to dirconformite@cmfactoring.fr.
Data subjects also have the possibility of lodging a complaint with the French Data Protection Authority (CNIL).
Personal data will be kept for the duration strictly necessary for the management of our professional relationship, for the proper performance of our services, while respecting the legal and regulatory constraints in terms of the limitation period.
Security and Personal Data Management Charter
Through this charter, we are steadfastly committed to protecting your personal data and respecting your privacy. Our Security and Personal Data Management Charter revolves around five major commitments:
- Knowing you well to advise you well.
- Communicating how your data is being processed.
- Ensuring the protection and integrity of your data.
- Using your data in your interests.
- Allowing you to keep control over your data.
Consult our Security and Personal Data Management Charter.
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