General terms
1. General
1.1 This privacy policy contains information about how SaveLend Group AB (publ) (559093-5176), and its subsidiaries (collectively called "SaveLend", "we" or "us") processes personal data of their employees and other persons that collaborate with SaveLend on any legal basis. It is important that you read and understand this Privacy Policy before sharing personal information with us.
1.2 SaveLend provides digital services (“service” or “services”). When you are using the Service, you become a user (“user”) and SaveLend will process your personal data in different ways. SaveLend is the data controller for the personal data in accordance with this Privacy Policy, unless otherwise specified.
1.3 SaveLend will only collect and process personal data in accordance with the General Data Protection Regulation (EU 2016/679) (“GDPR”) or other legislation in force at the time of processing. This Privacy Policy also describes your rights under GDPR.
1.4 If you have questions regarding the processing of personal data in SaveLend, please contact our data protection officer (“DPO”) with the following contact information:
E-mail: dpo@savelend.se
Mail: SaveLend Group AB, Att: DPO Kammakargatan 7, 111 40 Stockholm, Sweden
1.5 If you are not satisfied with how we process your personal data, you can leave a complaint to Integritetetsskyddsmyndigheten (IMY) +46 8 657 61 00, imy@imy.se Box 8114, 104 20 Stockholm, or your local data protection authority. In Poland you can leave a complaint to Polish Data Protection Office, +48 22 531 03 00, kancelaria@uodo.gov.pl, ul. Stawki 2, 00-193 Warszawa.
1.6 The latest version of our Privacy Policy is available on SaveLend's various websites, for example at Savelend.se and Loanstep.se.
2. Collection of personal data
2.1 SaveLend processes personal information that you provide to us when you are applying for the job or working as an employee at SaveLend or collaborating with us on any legal basis. The personal data we process is usually:
(i) Contact and identity information such as, name, social security number and other information about yourself eg. address, nationality, tax residence, any information about PEP, telephone number, e-mail address etc.
(ii) Financial information such as information about your finances that you share with us, e.g. if you apply for credit and submit information requested in the KYC documentations or other information about your finances that we ask for when you create an account on any of the services.
(iii) Other information that you have chosen to share with us, for example the employment history if you apply for a job at SaveLend or contact our customer service. We will never ask for information about religious beliefs, political or philosophical views, union membership, or information on health, sexual life, or sexual orientation. If you still give us such information voluntarily based on your consent, you can always withdraw the consent.
2.2 SaveLend processes personal information that we collect about you when you use SaveLend's services. Depending on the service you use, we may collect the following information directly, or through our partners:
(i) Contact and identity information such as, name, social security number, gender, nationality, telephone number, e-mail address etc.
(ii) Financial information such as income and expenses, debts, transaction data, previous payment and credit approvals, etc.
(iii) Information about how you interact with SaveLend - how you use our services, including page response time, download errors, how you reached and left the service, and delivery notes when we contact you.
(iv) Device information - for example: IP address, language settings, browser settings, time zone, operating system, platform and screen resolution.
(v) Information from external sanctions lists and PEP lists - we may obtain and compare information from EU sanctions lists and lists of so-called Politically Exposed Persons (PEP). These lists include information such as name, date of birth, place of birth, occupation or position, and the reason why they are on the list in question.
3. Why SaveLend processes personal data and for how long
3.1 SaveLend processes personal data to provide and improve the services, fulfill our contractual obligations to you and comply with the law. SaveLend processes personal data for the following purposes and based on the following legal grounds.
3.1.1 Personal data processed:
- Contact and identity information
- Information on how you interact with SaveLend
- Device information
Purpose: To provide the Services, keep user accounts up to date and ensure that the content of the Service is presented properly
Legal ground: In order to fulfill SaveLend's contractual obligations
Time for processing: One year after the user has stopped using the Service by terminating their account, or as long as required by law.
3.1.2 Personal data processed:
- Contact and identity information
- Financial information (when we verify your identity through your bank)
Purpose: To confirm your identity and verify your personal and contact information
Legal ground: In order to fulfill SaveLend's contractual commitments and to comply with the regulations Time for processing: One year after the user has stopped using the Service by terminating his account, or as long as required by law.
3.1.3 Personal data processed:
- Contact and identity information
- Financial information
Purpose: Perform credit check before credit is granted
Legal ground: Comply with the regulations, like Consumer Credit Act and fulfill SaveLends contractual obligations (towards our investors on the platform)
Time for processing: A maximum of one year from the information is collected or until updated information is received, if the user creates an account, one year aer the user has stopped using the Service by terminating his account, or as long as required by law
3.1.4 Personal data processed:
- Contact and identity information
- Financial information
- Device information
- Information from external sanction lists and PEP lists
Purpose: Performing risk analysis, preventing fraud and performing risk management
Legal ground: Comply with the law (especially anti-money laundering laws), when the credit in question is regulated by law, and to be able to fulfill SaveLend's contractual obligations (to our investors on the platform)
Time for processing: A maximum of one year after the information is collected, or until updated information is received. If the user creates an account, one year after the user has stopped using the Service by terminating his account, or as long as required by law
3.1.5 Personal data processed:
- Contact and identity information as well as other information that you give us
Purpose: To provide support and customer service
Legal ground: To fulfill SaveLend's contractual obligations and other legitimate interests. Time for processing: A maximum of 6 months after the end of the support case.
3.1.6 Personal data processed:
- Contact and identity information
Purpose: To send information about SaveLend and the Service (marketing activities)
Legal ground: Legitimate interests
Time for processing: As long as we have your consent.
3.1.7 Personal data processed:
- Contact and identity information
- Financial information
- Device information
- Information from external sanction lists and PEP lists
Purpose: Comply with applicable regulation, the Swedish Act (2017: 630) on measures against money laundering and terrorist financing
Legal ground: Comply with applicable regulation
Time for processing: 5 or 10 years from the time the measures were carried out depending on the individual case
4. Disclosure of personal data
4.1 SaveLend may transfer or share personal data with other parties who process data on SaveLend's behalf, in order for SaveLend to provide the Services. SaveLend uses subcontractors or categories of subcontractors as specified on the following website: https://savelend.se/privacy.
4.2 SaveLend only cooperates with companies that process personal data within the EU / EEA or with companies that maintain the same level of protection as within the EU / EEA by, for example, using standard clauses or binding corporate agreements.
4.3 Confidentiality applies to most personal data in accordance with the existing regulation, Payment Service Act. SaveLend may not improperly release or otherwise disclose any information about users to third parties. However, SaveLend may disclose necessary personal information to authorities such as police, tax authorities or other authorities if SaveLend is required by law. An example of legal extradition is information to the Swedish Tax Authorities on preliminary tax or information that is disclosed to counteract money laundering and financing against terrorism.
5. Your rights
5.1 Right to receive register extract. You have the right, once per calendar year, free of charge, to access a register of your personal data that we store and process. Your request must be submitted in writing to us and have your signature. Use the contact information provided in Section 1.4.
5.2 Right to correction. You have the right to correct incorrect or incomplete information about yourself. You can correct incorrect or incomplete information about yourself by logging into My Pages on Loanstep.se or SaveLend.se. You can also contact us if you need help with this.
5.3 Data portability. With regard to personal data that you have provided, you have the right to request a transfer to another supplier. Contact us for help with this. Use the contact information provided in Section 1.4.
5.4 Deactivation and deletion of user accounts (Right to be forgotten). You have the right object that your personal data is being processed, if not required by law. The consequence of this may be that you can no longer use the Service. If you want to delete your user account, please contact us according to the contact details below pointed out in Section 1.4.
5.5 Marketing Communications. You can always decline to receive marketing communications from SaveLend by clicking the "unsubscribe" in the e-mail and SMS communications SaveLend sends. If you are registered, you are welcome to contact SaveLend for assistance in not receiving any more of SaveLend's communication.
5.6 The right to withdraw consent. For those applications where personal information is being processed because of consent, you may at any time revoke your consent by contacting us. The consequence of this may be that you can no longer use the Service. In order to do so, use the contact information provided in Section 1.4.
6. Safety measures
Security is important for SaveLend, which takes adequate technical and organizational security measures to ensure that personal data cannot be abused, lost or disposed of by unauthorized persons in connection with SaveLend's processing of personal data in accordance with this Internal Privacy Policy.
7. Cookies
7.1 SaveLend uses "cookies" on its websites. A cookie is a small text that is sent from our server to your browser. Cookies are used, among other things, to save personal settings and also enable us to see what the visitor does on the site.
7.2 There are two different variations of "cookies"; partly called "session cookies" and partly "durable cookies". SaveLend's websites use both session cookies and durable cookies.
Session cookies are used during the time the visitor is active on the site and is only temporarily stored in the visitor's working memory and which is automatically removed when the visitor closes his browser.
Durable cookies are used to tell the visitor what has been updated on the site since he last visited the site and to identify returning users and save information that was previously provided. Cookies cannot identify you personally, but only the browser that was installed on your computer at the time of the visit.
7.3 SaveLend produces statistics on the number of visits, the number of times individual pages have been visited, which URLs the visitors come from, which search engines and keywords are used to enter our site. The purpose of this data collection is to give us an idea of how we can improve our website. The information collected is information about domain names, browsers, operating systems, time when you accessed our website and if you clicked on any link to access our website. This information is not disclosed to third parties. This information could be disclosed with sub-processors for analytic and marketing purposes.
7.4 The majority of all browsers are set to automatically accept cookies. If you do not want cookies to be stored on your computer, you can change that setting directly in your browser.
8. Changes to this Privacy Policy
8.1 SaveLend reserves the right to make changes to this Privacy Policy.
8.2 All changes to this Privacy Policy will be posted on our website. Please visit our website regularly to keep you informed of any changes.
