Privacy Policy

STK Finanzen ("we", "our", "us") is committed to protecting and respecting your privacy. This privacy policy explains how we collect, use, disclose, and protect your personal information when you visit our website or use our services.

By using our website and services, you agree to the practices described in this policy. We recommend that you read this policy carefully to understand our practices regarding the processing of your personal data.

Information you provide directly

• Identity information (name, first name, date of birth)
• Contact details (address, email, phone)
• Professional and financial information
• Identity documents and supporting documents
• Information about your financing project

Information collected automatically

• Browsing data (IP address, browser type)
• Device information
• Pages visited and visit duration
• Cookies and similar technologies

We use your personal information to:

• Study and process your loan application
• Offer you suitable financing solutions
• Contact you regarding your file
• Improve our services and our website
• Comply with our legal and regulatory obligations
• Prevent fraud and ensure security

Legal basis for processing: The processing of your data is necessary for the performance of the contract (study of your application) and to comply with our legal obligations (anti-money laundering, financial regulations).

We may share your information with:

• Partner financial institutions for the study and granting of credit
• Service providers (hosting, security, analytics)
• Regulatory authorities (ACPR, Banque de France) when required by law
• Anti-fraud organizations (Fichier des Incidents de Crédit aux Particuliers)

We require all third parties to respect the security of your data and to process it in accordance with the law.

We retain your personal data for as long as necessary for the purposes for which it was collected, including to satisfy any legal, accounting, or reporting obligations.

In accordance with the GDPR, you have the following rights:

To exercise these rights, contact our Data Protection Officer:

• Email: dpd@stk-finanzen.com
• Mail: STK Finanzen - Service DPD - 5 Rue des Pipots, 62200 Boulogne-sur-Mer

You also have the right to lodge a complaint with the CNIL (www.cnil.fr).

We use cookies to:

• Improve your browsing experience
• Analyze site usage
• Personalize content
• Ensure site security

You can configure your browser to refuse cookies, but this may affect certain features of our site.

Essential cookies: Necessary for the functioning of the site

Analytics cookies: Help us understand how visitors interact with the site

Functionality cookies: Allow us to remember your preferences

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, modification, disclosure, or destruction.

These measures include:

• SSL encryption of data in transit
• Secure data storage
• Strict access controls
• Regular security audits
• Employee training on data protection

Your data is stored and processed in France. If we need to transfer your data outside the EEA, we will ensure that an adequate level of protection is guaranteed, in accordance with the GDPR.

We may update this privacy policy occasionally. We will inform you of any material changes by posting the new policy on our website.

We encourage you to check this page regularly to stay informed of how we protect your information.