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Privacy policy

Data Protection Policy

Fibus places great importance on the protection of personal data and privacy. In this regard, we have recently updated our data protection policy.
This policy sets out how user data is processed and protected in the context of this website.
Users of this website may provide Fibus, the website publisher, with personal data concerning them by using the various data collection tools, forms, and services listed below, made available on the website:

  • Information collection forms, appointment requests, and information requests
  • Cookies

The personal data collected may be subject to processing, whether automated or not, in accordance with the General Data Protection Regulation (GDPR) of 27 April 2016 relating to the protection of natural persons with regard to the processing of personal data and the free movement of such data, as well as French Law No. 78-17 of 6 January 1978, under the conditions associated with each data collection method or service, as described in this data protection policy.

 

Data Controller

Personal data collected through the various services or data collection tools available on this website is processed by Fibus, the website publisher, acting as data controller within the meaning of the GDPR, unless it is expressly stated on the data collection form that a third party acts as the data controller.

In such cases, in accordance with the law, the data controller will specify the characteristics of the processing carried out under its sole responsibility.

Use and data collection

In general, users may access the website without providing their identity or any personal information.

However, when using the website, users may provide Fibus, the website publisher, with personal data by completing forms available on the site.

It is not mandatory to answer all questions. Required fields are marked with an asterisk. Failure to provide such information will result in Fibus being unable to process the request.

Purposes of processing

The data collected may be subject to processing, whether automated or not, within the meaning of the GDPR, for the following purposes:

  • responding to requests submitted via forms, tools, and services made available
  • complying with legal and regulatory obligations
  • performing contractual or pre-contractual obligations at your request
  • pursuing the legitimate interests of the website publisher, while respecting your fundamental rights and freedoms

Based on legitimate interest or consent, depending on the case, data may also be processed for marketing purposes, in compliance with applicable regulations (right to object for postal and telephone marketing, prior consent required for electronic marketing).

In addition, cookies used on the website are intended to ensure proper site functionality, measure website traffic, and personalise your browsing experience. Subject to your consent, they may also be used to deliver targeted advertising or personalised communications based on your interests or needs, as well as marketing messages.

Based on legitimate interest, data may also be processed for fraud detection purposes, in cases involving anomalies, inconsistencies, or suspected fraudulent activity. Personal data may be retained for up to five (5) years in the event of confirmed fraud, and otherwise for up to twelve (12) months.

Professional secrecy

The data collected is protected by professional secrecy, to which Fibus is bound under Article L.511-33 of the French Monetary and Financial Code.

However, in order to achieve the purposes listed above, Fibus may be required to share this data with any entity within the Fibus Group, or in the context of shared resources or corporate restructuring, as well as with subcontractors involved in the provision of financial products, strictly within the limits necessary to fulfil the stated purposes.

By exception, this personal data may be disclosed and archived in order to comply with legal or regulatory obligations, and to respond to requests from duly authorised administrative or judicial authorities.

In this respect, the user expressly authorises Fibus to share their personal data and any updates relating to it.

Data retention period

The data collected is stored and processed for as long as necessary to achieve the intended purpose, and at most for the durations specified in this personal data protection policy:

  • 3 years for marketing purposes
  • 13 months from the time cookies are placed on the user’s device
  • 13 months for connection data (IP address, logs, etc.)

How to exercise your rights

In the context of using the website and its services, you have rights regarding your personal data. These rights include:

  • Right of access, rectification, and erasure of data (inaccurate, incomplete, unclear, or outdated)
  • Right to object to the processing of your data at any time for marketing purposes
  • Right to restriction of processing of your data under the conditions provided by regulation
  • Right to data portability
  • Right to withdraw your consent at any time
  • Right to lodge a complaint with a supervisory authority

You may exercise these rights and contact Fibus by sending a letter to the following address: Fibus, website publisher, 176 avenue Charles de Gaulle, 92200 Neuilly-sur-Seine, France
or by email at: rgpd@fibus.com. Postal costs will be reimbursed upon simple request.

In case of dispute, you may also lodge a complaint with the CNIL, whose website is available at www.cnil.fr, and whose headquarters are located at 3 Place de Fontenoy – TSA 80715 – 75334 Paris Cedex 07.

Data recipients

Personal data collected in the context of using the website and its services may be shared with:

  • any entity within the Fibus Group for marketing purposes or in the event of shared resources or corporate restructuring
  • our subcontractors strictly for the purposes of outsourcing services (Google Tag Manager, Google Analytics, Google Ads, YouTube, Salesforce)
  • our partners to allow you to benefit from their services and advantages (ABN Amro, AIG, Aldermore, Allianz, Arbuthnot Latham, Atradius, AXA, Bibby Factor, BNP Paribas Factor, BPCE Factor, Cartan Trade, CESCE, Coface, Credendo, Crédit Mutuel Factoring, DeFacto, Deutsche Bank, Deutsche Factoring, Dimpl, Edebex, Eurofactor, Factofrance, Faktus, Groupama, HSBC, ING, Karmen, La Banque Postale Leasing et Factoring, NatWest, Rabobank, Santander, Société Générale Factoring, Süd Factoring, Targo Bank, Ultimate Finance)

By completing forms on the website, the user agrees, subject to exercising their right to object under the conditions described above, that their data and any updates may be shared.

Use of data for marketing purposes

In accordance with applicable regulations, any marketing communication via automated calling systems, email, SMS/MMS, or fax, as well as any transfer or rental of data for marketing purposes using these channels, will only be carried out with the prior consent of the user concerned.

If you agree to receive such marketing communications by ticking the consent boxes provided on the website, you may withdraw this consent at any time. In particular, each marketing email will include an option allowing you to object to receiving further promotional emails in the future.

Furthermore, if you do not wish to receive telephone marketing communications, you may register on the Bloctel opt-out list (more information available at www.bloctel.gouv.fr).

At any time, you may also object to any form of marketing communication by contacting us using the details provided in the section “How to exercise your rights”. Postal costs will be reimbursed upon request.

Cookies

When browsing the website, information related to your navigation may be stored in “cookies” files installed on your device (computer, tablet, smartphone, etc.), depending on your cookie preferences, which can be modified at any time.

The information below helps you better understand how cookies work and how to configure them using available tools.

The use of cookies is common on the internet. A cookie is a small text file containing information stored on your device’s hard drive (e.g. computer, tablet, or mobile phone) when visiting a website via your browser. It is transmitted by a website server to your browser.

A cookie allows its issuer to identify the device on which it is stored during the validity or storage period of the cookie. A cookie does not allow identification of a natural person.

Why we use cookies?

Fibus uses several categories of cookies, the purposes of which are described below. Some technical cookies (notably session cookies) are essential for the proper functioning of the website. Their deletion may result in navigation issues.

1. Technical cookies

Technical cookies are strictly necessary for the website to function. They enable or facilitate communication for the provision of an online service explicitly requested by the user. These cookies are deleted when the browsing session ends.

They are issued and placed by Softeam on behalf of Fibus. They have a very short lifespan, mostly for the duration of the session, and up to one year maximum.

2. Audience measurement cookies (statistics)

These cookies collect information on how visitors use the website, such as time spent on the site or pages visited. They allow statistical analysis of traffic, helping improve website content based on user engagement.

Google Analytics, the statistical tool used by Fibus, generates a cookie with a unique identifier, limited to a 2-year duration. We collect the IP address to determine the city from which you connect; the last two bytes are immediately anonymised. Fibus cannot identify any individual user through this data. The collected data is not shared with third parties or used for other purposes.

3. Social sharing cookies

The website contains social media sharing buttons (“plug-ins”) that allow you to share content with others.

When using these buttons, your browser connects to the relevant social network servers and a third-party cookie may be installed with your consent. If you are logged into a social network while browsing our site, these sharing buttons may link viewed content to your user account.

These data are stored for a maximum of 2 years.

In this context, the purposes and scope of data use, additional processing, and your rights are governed by the privacy policies of the social network providers, under their sole responsibility.

How to manage cookies?

Users have several options to manage cookies. Any settings you apply may affect your browsing experience and access to certain services requiring cookies.

You may change your cookie preferences at any time as follows:

  • Check the box to allow the relevant cookies
  • Uncheck the box to refuse the relevant cookies

For more information on cookies, you may visit the CNIL website: www.cnil.fr

Data security

Fibus is committed to preserving the quality and integrity of your data. The security technologies and policies in place are designed to protect your data against any unauthorised access or improper use. All individuals who have access to the data are required to respect users’ privacy and maintain the confidentiality of their information.

It is reminded that the secrecy of correspondence, confidentiality, and integrity of information transmitted over the internet cannot be guaranteed. Each user is responsible for taking appropriate measures to protect their own data and/or software from potential viruses that may be transmitted during online connections, despite the vigilance of website administrators. Fibus accepts no liability of any kind in this regard.

Fibus will never request confidential personal data from users of the website via email.