Privacy policy

The purpose of this Privacy Policy (the “Policy”) is to formalise our commitment to respecting the privacy of users of the www.novalend.com website operated by NovaLend SAS (“NovaLend”).

The Charter and the General Terms of Use form a contractual whole. All capitalized terms not defined in this Charter are defined in the General Terms of Use.

As part of the provision of our Site, we process your personal data in compliance with the General Data Protection Regulation 2016/679 of 27 April 2016 (“GDPR”) and under the conditions set out below.

Personal data means any information relating to an identified or identifiable natural person. We collect and process personal data in the context of providing our Services or communicating about those Services exclusively, in strict compliance with the GDPR.

We only collect personal data that is adequate, relevant and limited to what is necessary for the purposes for which it is processed. For example, you will never be asked to provide personal data considered to be “sensitive”, such as your racial or ethnic origins or your political, philosophical or religious opinions.

By registering on the Site, you authorise us to process your personal data in accordance with the Charter. If you do not accept the terms of this Charter, please refrain from using the Site and the Services.

We may collect and store your personal data, in particular when you:

• Browse the Site
• Create an Account
• Subscribe to one of our Services
• Subscribe to our Newsletter
• Contact us

We use your personal data to implement and manage the Site Services and to respond to your specific requests. We also use your personal data to operate and improve our Services, our Site and our approach.

This information is used solely by us and enables us to better tailor our Services to your expectations. In particular, when you use the questionnaires, we reserve the right to collect, collate and record some of your data, for example your response times, your default choices, etc. We may also use your data to send you electronic and alphanumeric messages about our products and promotions. We will use the personal data you provided when you registered. You can unsubscribe from these mailings at any time.

a. Browsing the Site

I. Connection data
Each time you connect to our Site, we collect personal data such as, in particular, the IP address of your computer, the date and time of connection, as well as information on the browser you are using.

II. Browsing data
We also collect information enabling us to identify how you access the Site, which pages you visit and for how long. In this context, we may use cookies as specified in paragraph 6 below.

b. Creation of an Account

Access to some of our Services requires the prior creation of an Account. In accordance with the General Terms and Conditions of Use, you will be asked to enter a certain amount of personal data when creating your Account, in particular your surname and first name(s), your professional e-mail address and your professional mobile telephone number.

c. Recording of calls

As part of our quality control process, your telephone calls to our services may be recorded. Call recordings are kept for a period of 6 months.
At the end of this period, they are then deleted. Any personal data obtained from you during this call will be processed in accordance with the provisions of this Charter.

d. Subscription to our Newsletter

When creating your Account, you may give your prior consent to receive our newsletters concerning new products, services and promotions, as part of the Services. In any event, you have the right to withdraw your consent to receive such newsletters at any time and free of charge under the conditions set out in paragraph 6 of the Charter.

e. Contacts

In order to follow up any requests you may make to our Customer Service, to confirm the information and any transactions on your Account and to provide you with information concerning the Services (for example, if you lose your password or if changes are made to the Terms of Use), we will use your surname, first name(s) and email address.

We have implemented technical and organisational security measures to guarantee the security, integrity and confidentiality of all your personal data, in order to prevent it from being distorted, damaged or accessed by unauthorised third parties.

We ensure an appropriate level of security, taking into account the state of the art, the costs of implementation and the nature, scope, context and purposes of the processing as well as the risks and their likelihood.

However, it should be noted that no security measure is infallible and NovaLend is therefore unable to guarantee absolute security for your personal data.
Furthermore, it is your responsibility to ensure the confidentiality of the password that allows you to access your Account. Do not share this information with anyone. If you share your computer, remember to disconnect before leaving a Service.

a. Sharing your personal data with third-party companies

When you browse the Site, your personal data may be passed on to external service providers. These third parties provide a service for us and on our behalf in order to enable the Services to function properly.
Personal data may be transferred to countries outside the European Union () for the purposes of processing your requests, entering the Formalities and hosting and securing personal data.
In accordance with the GDPR, all transfers of personal data to a country outside the European Union and/or which does not offer a level of protection considered sufficient by the European Commission have been subject to cross-border data flow agreements complying with the standard contractual clauses issued by the European Commission and declared to the CNIL. Other transfers of personal data to the United States, in particular for customer relationship management (CRM), are governed by the E.U. – U.S. PRIVACY SHIELD: click here for more information.
Unless a third party asks you to accept its own confidentiality charter and conditions of use, the third-party companies that receive your personal data have undertaken to process your personal data solely for the purpose of providing the Services.
We will never, without your prior consent, share your personal data with third-party companies for marketing and/or commercial purposes.

b. Sharing with the authorities

We may disclose your personal data to administrative or judicial authorities where disclosure is necessary for the identification, arrest or prosecution of any individual likely to harm our rights, of any other user or of a third party. Finally, we may be legally obliged to disclose your personal data and in this case we cannot oppose this.

We will only keep your personal data for as long as you register on the Site in order to identify you when you log in to your Account and to enable us to provide the Services.

If you unsubscribe from the Site, your personal data will be deleted and only kept in archive form for the purposes of establishing proof of a right or contract.

In any event, we will retain your personal data for no longer than is necessary for the purposes for which it is processed in accordance with the uses set out in this Charter and in compliance with the laws and regulations.

a. What is a cookie?

A cookie is a text file that may be placed on a terminal when an online service is consulted using a browser. During its period of validity, a cookie file enables its issuer to recognise the terminal concerned each time this terminal accesses digital content containing cookies from the same issuer.
In any event, cookies placed on your browser terminal with your consent are destroyed 13 months after they are placed on your terminal.

b. What is the purpose of the cookies issued on our Site ?

The cookies we use enable us to:
compile statistics and volumes of visits to and use of the various elements making up our Site (sections and content visited, path taken), enabling us to improve the interest and ergonomics of our services;
to adapt the presentation of our Site to the display preferences of your terminal (language used, display resolution, operating system used, etc.) during your visits to our Site, according to the hardware and software for display or reading that your terminal has;
to store information relating to a form that you have filled in on our Site (registration or access to your account) or to products, services or information that you have chosen on our Site (service subscribed to, contents of an order basket, etc.);
to allow you to access reserved and personal areas of our Site, such as your account, using identifiers or data that you may have previously entrusted to us and to implement security measures, for example when you are asked to connect again to content or a service after a certain period of time.
On your first visit to the Site, a cookies banner will appear on the home page. A clickable link allows you to find out more about the purpose and operation of cookies and refers you to this Charter. By continuing to browse on another page of the Site or selecting an element of the Site (in particular: image, text, link, etc.), you agree to the deposit of the cookies in question on your computer.

c. How can you control the cookies used ?

You can configure your browser software at any time so that cookies are stored on your terminal or, conversely, so that they are rejected (either systematically or depending on the sender). You can also configure your browser software so that you are asked to accept or reject cookies from time to time, before a cookie is stored on your terminal.
Please note: any settings you make may affect your Internet browsing experience and your conditions of access to certain services requiring the use of cookies. We decline all responsibility for the consequences linked to the degraded operation of our services resulting from the impossibility of recording or consulting the cookies necessary for their operation and which you would have refused or deleted. This would be the case if you attempted to access our content or services that require you to be identified. This would also be the case if we (or our service providers) were unable to recognise, for technical compatibility purposes, the type of browser used by your terminal, its language and display settings or the country from which your terminal appears to be connected to the Internet.

d. How do you configure your browser ?

To manage cookies and your choices, the configuration of each browser is different. This is described in your browser’s help menu, which will tell you how to modify your cookie preferences.
For more information on cookies, please consult the CNIL website.

We hold personal data about you because you have mandated one of our partners to obtain a service proposal from NovaLend or because you have contacted us directly to obtain a service proposal from NovaLend. You have the right to access your personal data. In accordance with the regulations on the protection of personal data, in particular articles 15 to 22 of the RGPD, and after proving your identity, you have the right to ask us to access, rectify or delete your personal data.
In addition, within the limits laid down by law, you also have the right to object to the processing, to limit it, to decide on the post-mortem fate of your data, to withdraw your consent at any time and the right to portability of the personal data provided.
You may contact our Services and our Data Protection Officer in order to exercise your rights at the following e-mail address: contact@novalend.com or at the following postal address: 12, rue Vivienne 75 002 Paris, enclosing a copy of an identity document with your request.
If you have any questions about your personal data or if you wish to delete your Account, please contact us at the following address: NovaLend SAS, 12, rue Vivienne 75 002 Paris (indicating “Vie Privée – Protection des Données”), or by email at contact@novalend.com.
You have the right to lodge a complaint with the Commission Nationale de l’Informatique et des Libertés (CNIL), the supervisory authority responsible for ensuring compliance with obligations relating to personal data.
You may also unsubscribe from our newsletter at any time by clicking on the unsubscribe link at the bottom of each email. You can also unsubscribe by sending a message to the following address: contact@novalend.com.

We reserve the right to modify the Charter at any time. You are therefore advised to consult it regularly. In the event of changes, we will publish these changes on this page and in such other places as we deem appropriate, depending on the purpose and importance of the changes made.

Your use of the Site after any changes means that you accept those changes. If you do not accept certain substantial changes made to this Charter, you must stop using the Site.