Privacy Policy

Effective Date: 10/07/2025

1. Introduction

SVILUPPO FINANZA SRL (“we”, “our”, “us”) is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal data when you visit our website, use our services, or communicate with us.

We process personal data in accordance with Regulation (EU) 2016/679 (General Data Protection Regulation – GDPR) and applicable Italian laws.

2. Data Controller

SVILUPPO FINANZA SRL
Via Dei Dauni 24, 00185 – Roma (RM), Italy
VAT: IT09480641001
Email: privacy@sviluppofinanza.com
Phone: +39 350 053 0675

3. Data We Collect

We may collect and process the following personal data:

3.1 Information You Provide Directly

Full name
Date of birth
Nationality
Identification documents (passport, ID card)
Proof of address
Contact details (phone number, email address)
Financial information (income, employment details, bank account)
Loan application details (amount requested, purpose, repayment preferences)

3.2 Information Collected Automatically

IP address
Browser type and version
Device type and operating system
Pages visited, time spent on site
Cookies and tracking technologies (see our Cookie Policy)

3.3 Information from Third Parties

Credit bureaus and public registers
Anti-money laundering (AML) and sanctions screening databases
Fraud prevention agencies

4. Purpose of Data Processing

We use your personal data for the following purposes:

Loan Application Processing – to assess your eligibility, verify identity, and approve funding.
Contract Performance – to prepare and execute loan agreements.
Customer Support – to respond to inquiries and requests.
Compliance Obligations – to meet legal requirements under AML/CFT laws and financial regulations.
Fraud Prevention – to detect and prevent fraud, identity theft, and misuse of services.
Marketing & Communication – to send information about products, services, and promotions (only with your consent).
Website Security & Improvement – to maintain site security and improve user experience.

5. Legal Basis for Processing

We process your data under one or more of the following GDPR legal bases:

Article 6(1)(b) – Processing necessary for the performance of a contract.
Article 6(1)(c) – Processing necessary for compliance with a legal obligation.
Article 6(1)(f) – Processing necessary for legitimate interests (fraud prevention, business improvement).
Article 6(1)(a) – Processing based on your consent (e.g., marketing communications).

6. Data Retention

We will retain your personal data only for as long as necessary:

Loan-related data: 10 years after loan closure (in line with financial record-keeping obligations).
Marketing data: until you withdraw your consent.
Website analytics data: up to 24 months.

7. Data Sharing and Disclosure

We may share your data with:

Regulatory authorities and tax agencies
Payment service providers and partner banks
Credit bureaus and debt collection agencies
IT and cloud service providers
Legal advisors and auditors

We do not sell your personal data.

8. International Data Transfers

If your data is transferred outside the European Economic Area (EEA), we ensure adequate protection through:

European Commission adequacy decisions
Standard Contractual Clauses (SCCs) approved by the European Commission

9. Security of Your Data

We apply appropriate technical and organisational measures to protect your personal data from unauthorised access, loss, misuse, or alteration. These include:

Data encryption in transit and at rest
Access controls and authentication procedures
Regular security audits

10. Your Rights under GDPR

You have the right to:

Access your personal data
Request rectification of inaccurate data
Request deletion (“right to be forgotten”)
Restrict processing of your data
Object to processing (including direct marketing)
Request data portability
Withdraw consent at any time (for consent-based processing)
Lodge a complaint with the Italian Data Protection Authority (Garante per la Protezione dei Dati Personali)

Requests should be sent to: privacy@sviluppofinanza.com

11. Cookies

We use cookies to improve your browsing experience and analyze website traffic. For details, please see our Cookie Policy.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with the updated “Effective Date.”

13. Contact Us

For any questions regarding this Privacy Policy or your data rights, please contact:

Data Protection Officer (DPO)
Email: privacy@sviluppofinanza.com
Address: Via Dei Dauni 24, 00185 – Roma (RM), Italy