Processing and Protection of Personal DataLast updated: February 26th, 2021

Solvy Europe Ltd (Company), entered in the Commercial Register at the Registry Agency under C85658, with registered office and address of management:Office 2, Suite 2, the Penthouse, Capital Business Centre, Entrance C, Triq Taz-Zwejt, San Gwann SGN 3000, Malta (Малта) web: www.vnoska.bg, тел. +356 9966 6797, processes your data in the capacity of a controller of personal data within the meaning of the Personal Data Protection Act and the General Data Protection Regulation.

This information aims to outline the approach to the lawful processing of your data and its protection within the framework of the activity carried out by Solvy Europe Ltd. The information includes the following:

In the course of its activity, Solvy Europe Ltd processes various kinds of personal data that are grouped into the categories listed below.

Depending on the specific products and/or services you use, Solvy Europe Ltd processes some or all of the listed data.

• Personal information
  (names, telephone, e-mail address)
• Information collected when using information and communication technologies
• Cookies
  that can uniquely identify your browser
• Communication information
  (the information we learn about you from the correspondence between us)

In all cases where we have access to and process your data, we undertake to abide by the principles described in this document and the requirements of the applicable data protection legislation.

We collect the above listed data in the following ways:

• The information you provide to us.
• Cookies and similar technologies.

Solvy Europe Ltd processes your personal data for the following purposes:

• Identification of clients and persons in view to providing service and / or product. The provision of personal data is voluntary or performed in compliance with a statutory requirement. In case of refusal to provide personal data, Solvy Europe Ltd will not be able to provide the requested product or service.
• Realization of marketing researches (obtaining information about the brand perception, the behavior, needs and expectations of current and potential clients with a view to developing / improving products and / or services and improving the level of service of the company's clients).
• Statistical objectives and analyzes (e.g. data processing with a view to maintaining, improving the products / services offered by the company and developing new ones and in order to meet regulatory requirements).
• Protecting your vital interests.
• Investigating and responding to a request, recommendation, complaint or appeal made by you / the person you represent.
• Data quality management in order to correct information in the systems maintained by the company and to maintain accurate and up-to-date data.

For the purpose of conducting direct marketing, we use and process your data to inform you about our latest products and services.

The information we have about you consists of the data you have provided to us while using our products and services, the data that we collect when you are using information and communication technologies (e.g: you visit the company's website) to access our products, services).

We process this information so that we can form an idea about your needs and interests with regard to the products and services offered by the company. The assumption made on the basis of the available data is compared to the terms of our products / services in order to determine which of them potentially would be of any interest and use to you as our existing or potential client.

In case you do not wish to receive marketing communications, you have the right to object to the processing of your personal data for the purposes of direct marketing in one of the following ways:

• By a written statement sent to e-mail address dpo@vnoska.bg.
• By phone at +356 9966 6797.

Upon receiving an objection from you, the company will cease processing your data for these purposes.

Solvy Europe Ltd processes your personal data lawfully on the basis of the legal grounds provided under Article 6 of the General Date Protection Regulation.

• Legal obligation
  In the case where a number of statutory obligations are imposed to Solvy Europe Ltd by different legislative acts, both at national level and under EU law, the company processes your personal data for the purpose of compliance with the relevant obligation.
• Legitimate interest
  In many cases, the company processes your data on the basis of its legitimate interests. For example, for strategic planning of our business, direct marketing, but limited only to offers for products and services similar to the ones already used by them. Prior to processing your data for these purposes and in the course of processing, the company checks whether there is a balance between its legitimate interest and your fundamental rights and freedoms or interests, and in the event that the latter have an advantage, the company does not undertake or discontinue the processing of your data, unless you expressly consent to the processing.

Solvy Europe Ltd will not provide your personal data to third parties other than the following recipients:

• Raiffeisenbank (Bulgaria) EAD under an agreement to provide customers with a banking product "Installment".When you apply for the “Installment plan” product on the company's website, Raiffeisenbank (Bulgaria) EAD processes your data (so-called credit scoring), which is necessary to make a decision on granting a loan.

Solvy Europe Ltd provides data to Raiffeisenbank (Bulgaria) EAD under a contract between us and they process it in accordance with the applicable data protection legislation.

Solvy Europe Ltd shall take the necessary measures to ensure that the persons involved in the processing of personal data strictly observe the data protection legislation and the instructions of the company and that they have taken appropriate technical and organizational measures to protect data.

You have the right to:

• Access your personal data processed by the company and the right to require the company to correct and update your personal data; You can do this by submitting an application at the following address dpo@vnoska.bg.