Privacy policy Eiendomsfinans

1 Introduction

Eiendomsfinans Drift AS, org.nr. 987 214 597, is the data controller for personal data processed in accordance with this privacy policy. In some cases, we will be the data processor, see more about this below.

“Personal data” means any information relating to an identified or identifiable natural person, as the term is defined in GDPR Art. 4 no. 1. Otherwise, other terms in this privacy policy shall be understood as defined in the GDPR.

In this privacy policy, we have explained when and how we collect your personal data, what is the purpose of the processing of the information, what it is used for and to whom the information may be disclosed. We remind you that this privacy policy will apply both in cases where Eiendomsfinans collects information from you, and in cases where we receive your information from our partners and other third parties.

If you have any questions about how Eiendomsfinans processes your personal data, you can contact us by e-mail firmapost@eiendomsfinans.no.

2. Loan intermediation on behalf of Banks and Insurance providers

Purpose and basis for processing

Eiendomsfinans is licensed as a loan broker – financial agent company. Eiendomsfinans helps you (“Customer/you”) to apply for loans and insurance from various lenders/banks and insurance providers (“Provider” or “Providers/Providers”). We process your personal data in order to provide you with the best possible loan advice, in particular in relation to loan and insurance services, and to get you a good deal. This means that we keep up to date on what offers are available in these markets, in addition to providing you with advice and assistance in applying for a loan or insurance with Providers.

When you want to apply for a loan or take out new insurance, we investigate which Providers are relevant to you, collect relevant information about you and any others for the application. others for the application, and communicate this information to the Providers. We also collect information that the Providers request in connection with the application.

The legal basis for the processing is that it is necessary to assist you in entering into an agreement with the Providers, cf. GDPR art. 6 no. 1 letter b.

Eiendomsfinans will be the data controller for the processing of your data in the period from when we first come into contact with you until you are connected to a Provider. When we have established a dialog with the Providers on your behalf, it will be the Providers who are responsible for processing your personal data. We will then be regarded as a data processor for the Providers, and we will process your personal data in accordance with data processing agreements entered into with the Providers.

Please note that Eiendomsfinans is not responsible for the Providers’ processing of your data. An updated overview of our Providers can be found at
The Financial Supervisory Authority’s business register

When a Customer contacts us for advice on loans and insurance and help to enter into a new agreement, we process the following personal data:

Contact information (name, e-mail address, telephone number, etc.)
Financial information (employment, seniority, level of education, annual income, marital status, housing and property, children under 18, spouse/cohabitant’s annual income, monthly expenses, debt situation, account number, etc.)
Information about other members of the Customer’s family or household, to the extent necessary to safeguard the Customer’s legitimate interest in receiving financial advice and loan application assistance, and the interest overrides the interests, rights and freedoms of the other data subjects. The legal basis for this part of the processing is GDPR art. 6 no. 1 letter f.

Some of the information in the points above we collect from you directly or through our online forms [ 2 ]. [JSg3] (the amount of information we need varies depending on the service you want) and some we collect from third parties (e.g. debt and credit information).

3. General loan and insurance advice outside specific applications

Purpose and basis for processing

Eiendomsfinans wants to keep in touch with our customers after the first loan or insurance agreement has been entered into (and possibly other subsequent loans and insurance agreements), in order to constantly keep the Customer updated on what opportunities the Customer has in the market.

This service means that we keep up to date on what offers are available, and advise you as a Customer as to whether it is in your interest to enter into new agreements and, if so, with which Providers. If you initiate a specific loan and insurance application, the processing of personal data will follow point 2 above (“Loan brokerage on behalf of Banks and Insurance Providers”).

The processing basis for such advice after the first agreement has been entered into and outside of subsequent specific loan and insurance applications, is consent, cf. GDPR art. 6 no. 1 letter a. For some existing customers with whom we are in regular contact, the legal basis for processing is Eiendomsfinans’ legitimate interests in providing such services, cf. GDPR art. 6 no. 1 letter f.

Categories of personal data [ 4]

The categories of personal data processed will mainly be the same as described in section 2.2. Eiendomsfinans is the data controller for this processing.

4. Document verification

From time to time, there is a need to verify documents you send us. We emphasize that such verification only takes place when there is reason to suspect document forgery. In cases where we need to verify the authenticity of a document, we will share the document with the stated document issuer. In these cases, we at Eiendomsfinans have a legitimate interest in protecting ourselves and our partners against fraud, forgery and possibly other criminal acts, cf. GDPR art. 6 no. 1 letter f. When we suspect document forgery, we consider that this interest outweighs the rights and freedoms of the data subjects.

5. Use of subcontractors

As part of our performance of the loan brokerage assignment, we use certain subcontractors – e.g. in connection with the operation and maintenance of our IT systems. To the extent that these subcontractors process personal data, they will be subject to data processing agreements with us, and be subject to the same obligations as we are subject to vis-à-vis the data controllers.

6. Direct marketing

Objectives

We process your personal data in order to be able to provide you with direct marketing about products and services that are either offered by us or our partners. These marketing activities are carried out in accordance with the requirements set out in the marketing legislation. It is we in Eiendomsfinans who will be responsible for the processing of your personal data in connection with direct marketing, and we are obliged to ensure and demonstrate that the information is processed in accordance with the personal data regulations.

Categories of personal data

In connection with direct marketing, we process ordinary contact information (e.g. name, e-mail and telephone number), as well as information about age, income and debt and residential address. This data is processed in order to provide you as a customer with customized offers according to your needs.

You can object to us processing your data for marketing purposes at any time.

7. Use of cookies

In general

When you visit our website, we register various information about you and your user session in a so-called cookie. A cookie is a small file that is stored locally on your device. It stores information from our website, e.g. It stores information from our website, e.g. when you last visited our website or when you entered data in one of our forms. In addition to using normal functionality in Google Analytics, we also use cookies in our loan forms. In the forms, we track how long the user spends filling in each field, but we will never store the actual information that you enter in the fields.

The information processed in the cookies

When you visit Eiendomsfinans online, we register the following information about you as a user:

Your location, using IP address, location data or similar
Your web behavior, such as which of our pages you visit and how often, or which products you order
Technical information about your browser and operating system

All data traffic between your browser and our servers is encrypted and stored in accordance with our strict data security requirements.

Objectives

The collected information is used for various purposes. These are described in more detail here.

7.3.1 Analytical purposes

In order to improve our website’s functionality, user experience and content, we use Google Analytics to analyze user behavior on our website. All data used for analytical purposes is stored anonymously. User statistics and traffic data are normally used in aggregated form, so that the statistics do not contain any information that can be directly linked to you as a person.

7.3.2 Technical purposes

We do not use cookies for technical purposes, possibly Google Maps.

7.3.3 Marketing purposes

In order to provide our customers with relevant and customized marketing offers, we use the data to select which customers should receive which offers. The Personal Data Act and the Marketing Act further regulate the use of customer data for this purpose.

Marketing on other websites

Our websites may contain links to third party websites, products and services (including social media sites such as Facebook). Third-party services or third-party applications available on our websites are subject to the third party’s privacy policy. We encourage you to familiarize yourself with the privacy practices of these third parties. With the help of cookies, we can also collect information to target ads or content to a specific user through so-called audiences.

Settings for the use of cookies in browsers

By allowing the use of cookies, you will be able to get a more relevant and customized user experience of the website you visit. However, you can change this by making changes to the settings in your browser and in the cookie banner on our website. On nettvett.no you can find descriptions of how to delete or reject cookies.

8. Disclosure of personal data

We will only disclose your personal data to Providers when it is necessary for the purposes of obtaining offers, processing applications and entering into agreements between you and the Providers. Furthermore, we may have to disclose your personal information if it is necessary to fulfill a legal obligation incumbent on us in Eiendomsfinans. This also includes orders from public authorities such as. Finanstilsynet and Datatilsynet. If we suspect attempted criminal offenses against us or our Providers, we may also share personal data with the police.

9. Your rights

If we process your personal data, you have (with certain limitations) the following rights:

Right to be informed about our processing of your personal data
Right to request confirmation that your personal data is being processed, right to access your personal data (by us providing you with a copy), and other information regarding how we process your personal data
The right to have incorrect or incomplete information about you corrected
The right to, under specific statutory conditions, have the processing restricted or object to the processing
The right to have information about you deleted if the statutory conditions for this are met. E.g. if you withdraw your consent to the processing or if we no longer need to process your personal data for the purpose for which it was originally collected
Right to request that information we hold about you is transferred to another controller where the processing is based on your consent
Right to withdraw your consent, where the processing is based on your consent

You also have the right to complain to the Norwegian Data Protection Authority if you disagree with the way we process your personal data.

Inquiries related to the Providers’ processing of personal data must be addressed directly to the relevant Provider. You can find an updated list of Providers here.

10. Changes to this privacy policy

We will take reasonable steps to communicate changes to this Privacy Policy and will post any updated Privacy Policy on this website.

You can contact us through one of the addresses below if you want to assert your rights, or want more information about how Eiendomsfinans processes your personal data:

E-mail: firmapost@eiendomsfinans.no

Address: Eiendomsfinans, Hauges gate 2, 3019 Drammen