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STANDARD PRIVACY STATEMENT

Marfina Finance takes the regulations regarding the protection of your personal data seriously and attaches great importance to the protection of your privacy. That is why compliance with the legal provisions for the protection of personal data is self-evident.
To ensure that you are fully aware of the policy that we apply with regard to the collection, processing, use, storage and protection of your personal data, we have drawn up this privacy statement. You can consult it at any time on our website.Marfina Finance informs about and/or advises about and/or mediates in financial services and products. In doing so, we process a lot of personal data. For example, we use this to apply for an insurance policy at your request or to represent you with an insurer in the event of damage. We take our responsibility seriously to protect your personal data as well as possible.

Personal data that we process
We process personal data about you because you use our services and/or because you provide this data to us yourself.
Below is an overview of the personal data that we process:
contact details, such as name, address, place of residence, telephone number, and email address;
age, gender, marital status;
data relating to passport, driver's license or other proof of identity (sometimes we ask for a copy of an identity document);
data about employment, income, profession and employer;
data about financial situation, assets, and any debts;
data about current financial products, such as bank accounts or insurance;
special personal data, such as health (in some cases);
data about any criminal offenses, fraud aspects (if relevant);
data submitted claims/claim history;
possibly other unmentioned data required to be able to provide our services to you.
When we process health data or criminal data, we do so with the utmost care, and usually only with your permission.

Why we need data
We process your personal data for the following purposes:
to enable you to use our services;
to mediate for you in financial products or services and to provide advice about these products;
to be able to reproduce data for insurance purposes;
to be able to better respond to your personal situation in our services;
to be able to conclude agreements with and for you and to be able to execute and comply with these;
to agree on and/or execute orders;
to further expand the (potential) customer relationship through information and marketing activities;
to keep financial records;
to perform statistical analyses;
to be able to comply with legal obligations.

What are the legal grounds for processing your data?
We use at least one of the following grounds for processing your personal data:
to execute an agreement for a financial product or a financial service;
to be able to comply with a legal obligation that rests on us, for example to comply with our legal duty of care during the term of a financial product that was established through our mediation or to comply with legal terms for the retention of data;
the explicit consent that you have given to process data for specific purposes. You can always withdraw this consent; for the protection of our legitimate interests in the context of our business operations or those of a third party. We always weigh up your interests against ours. Our interests include the careful execution of agreements with you, maintaining and possibly expanding our customer relationship through possible direct marketing and/or profiling aimed at marketing.

How long do we store data
We will not store your personal data for longer than is strictly necessary to achieve the purposes for which your data is collected. If our relationship or agreement ends, we will store your data for the statutory retention periods that apply to us.
What are your rights?
You have specific rights with regard to the processing of your personal data. You can always contact us about this.
This certainly also applies to the following topics:
whether we process your personal data;
the way in which we process your personal data;
access to the personal data that we process from you;
objections to the processing of your personal data;
adjustment of your personal data if it has (possibly) been processed incorrectly;
limitation of your personal data;
removal (deletion) of your personal data; transfer of your personal data to yourself or to another organization on your behalf w request;
questions about the content of this Privacy statement.
Please note: we may not be able to meet a request in all cases. If this is the case, we will inform you of this with reasons.

Sharing with others
We do not simply provide your personal data to others. We may do so if you have given us permission to do so, if we are obliged to do so by law or a court ruling, or if the provision serves our purposes of processing personal data.
For the execution of our business operations and depending on the services provided to you, we may provide your personal data to the following persons or parties:
financial institutions (such as banks or insurers) from whom we apply for a financial product for you or from whom you have a financial product that we manage for you; or; where we guide you during the term of the product;
persons and institutions that must be informed on the basis of a legal obligation;
external parties that process data under our control and responsibility, such as our ICT service provider or our (direct) marketing agency; damage experts, databases aimed at combating fraud such as Fish and Cis;
notaries, lawyers, accountants (if applicable);
possibly other parties not mentioned that are important for optimal service provision to you.
External parties that process the personal data under our responsibility do so exclusively for purposes and under conditions that we have agreed with them. We record this in written agreements.

Security
We take the protection of your data seriously and have taken appropriate measures to prevent misuse, loss, unauthorized access, unwanted disclosure and unauthorized modification. If you have the idea that your data is not properly secured or there are indications of misuse, please do not hesitate to contact us.
Use of this site
We have taken appropriate measures to secure your visit to and use of our site and to prevent misuse. All persons who may become aware of the data are bound to confidentiality thereof.

Third-party websites
Our website may contain references and/or hyperlinks to one or more third-party websites. We would like to point out that we are in no way liable for the way in which these third parties deal with privacy legislation.

Cookies
When you visit this website, cookies are placed on your computer, tablet or smartphone. Cookies are small, simple text files. We only place functional cookies for optimal functioning of the website. On your next visit, the cookies are used to recognize you and that makes a subsequent visit to the site easier.

Google Analytics
Cookies from the American company Google are also placed via our website, as part of the 'Analytics' service. We use this service to track and receive reports on how visitors use the website. Google may provide this information to third parties if Google is legally obliged to do so, or if third parties process the information on behalf of Google. We have no influence on this. We have not allowed Google to use the obtained analytics information for other Google services
The information that Google collects is anonymized as much as possible. Your IP address is explicitly not provided. The information is transferred to and stored by Google on servers in the United States. Changes to our Privacy Statement
We may change this Privacy Statement in the future. You will always find the most current version on our website.

Right to Complain
Do you disagree with the way in which we process your personal data or deal with your rights as a customer? Please contact us in any case.
You can also file a complaint with the Dutch Data Protection Authority. For this, visit https://www.autoriteitpersoonsgegevens.nl.

To make your visit to our website even easier and more personal, we use cookies (and similar techniques). With these cookies, we and third parties can collect information about you and track your internet behavior within (and possibly also outside) our website. With this information, we and third parties adapt content to your interests and profile. In addition, cookies make it possible to share information via social media.

What is a cookie
We use cookies on this website. A cookie is a simple small file that is sent with pages of this website and is stored by your browser on the hard drive of your computer. The information stored in it can be sent back to our servers on a subsequent visit.

Permanent cookies
With the help of a permanent cookie, we can recognize you when you visit our website again. The website can therefore be specially set to your preferences. Even if you have given permission for the placement of cookies, we can remember this by means of a cookie. This means that you do not have to repeat your preferences every time, which saves you time and makes our website more pleasant to use. You can delete permanent cookies via the settings of your browser. Session cookies
With the help of a session cookie, we can see which parts of the website you have viewed during this visit. This allows us to adapt our service as much as possible to the surfing behaviour of our visitors. These cookies are automatically deleted as soon as you close your web browser.

Tracking cookies
How does this work? For example, a website (A) can give an advertiser permission to place a cookie. That advertiser then also knows that you have visited the website or page. The real advantage for that third party (the advertiser) arises if the user also visits another site (B) that has also given permission to the advertiser to place cookies. The advertiser can then read the cookie from site A, and in this way the advertiser knows that this user has visited both sites A and B. And he has more information about the user than website A or B have separately. Cookies that make it possible to 'follow' people are called tracking cookies.
No tracking cookies are placed on our website.

Google Analytics
A cookie from the American company Google may be placed via our website as part of the “Analytics” service. We then use this service to track and receive reports on how visitors use the website. Google may provide this information to third parties if Google is legally required to do so, or if third parties process the information on behalf of Google. We have no influence on this. We have not allowed Google to use the obtained analytics information for other Google services.
The information that Google collects is anonymized as much as possible. Your IP address is explicitly not provided. The information is transferred to and stored by Google on servers in the United States. Google states that it adheres to the Privacy Shield principles and is affiliated with the Privacy Shield program of the American Department of Commerce. This means that there is an appropriate level of protection for the processing of any personal data.”

Use of social media buttons
Our website may include buttons to promote (“like”) or share (“tweet”) web pages on social networks such as Facebook, LinkedIn and X. These buttons work by means of pieces of code that originate from the social media themselves. Cookies are placed by means of this code. We have no influence on this. Read the privacy statement of social media channels (which can change regularly) to read what they do with your (personal) data that they process via these cookies.
The information they collect is anonymized as much as possible. The information is transferred to and stored by the social media channels on servers in the United States. Social media channels state that they adhere to the Privacy Shield principles and are affiliated with the Privacy Shield program of the American Department of Commerce. This means that there is an appropriate level of protection for the processing of any personal data.

Right to access, correct and delete your personal data
You have the right to request access to and correction or deletion of your data. Use our contact page for this. In order to prevent abuse, we may ask you to identify yourself adequately. When it concerns access to personal data linked to a cookie, you must send a copy of the cookie in question. You can find this in the settings of your browser.

Enabling and disabling cookies and deleting them
More information about enabling and deleting cookies

You can find information on disabling and removing cookies in the instructions and/or using the Help function of your browser.

Removal of tracking cookies placed by third parties
You can remove tracking cookies centrally via Your Online Choices so that they are not placed back on a third-party website.

More information about cookies
You can find more information about cookies on the following websites:
Consumers' Association: "What are cookies?"
Consumers' Association: "What are cookies for?"
Consumers' Association: "Removing cookies"
Consumers' Association: "Disabling cookies"
Your Online Choices: "A guide to online behavioural advertising"

Terms and conditions disclaimer
The terms and conditions of this disclaimer apply to the website of [company name]. By visiting this website and/or using the information provided on or via this website, you agree to the applicability of this disclaimer. In the event of a conflict between the terms and conditions of specific products and services purchased via this website and this disclaimer, the terms and conditions of these products and services shall prevail.

Use of the website
Via this website of Marfina Finance you will find information about financial products and services and about our services. The information on this website is intended solely as general information. No rights can be derived from the information on this website. Although Marfina Finance takes care in compiling and maintaining this website and uses sources that are considered reliable, Marfina Finance cannot guarantee the accuracy, completeness and topicality of the information provided. Marfina Finance also does not guarantee that the website will function without errors or interruptions. Marfina Finance expressly disclaims any liability with regard to the accuracy, completeness, topicality of the information provided and the (undisturbed) use of this website.

Third-party information, products and services
When Marfina Finance displays links to third-party websites, this does not mean that the products or services offered on or via these websites are recommended by Marfina Finance. Marfina Finance accepts no liability and no responsibility for the content, use or availability of websites referred to or that refer to this website. The use of such links is at your own risk. The information on such websites has not been further assessed by Marfina Finance for accuracy, reasonableness, topicality or completeness.

Use of information
All intellectual property rights and other rights with regard to all information offered on or via this website (including all texts, graphic material and logos) rest exclusively with Marfina Finance and/or Partners affiliated with Marfina Finance. It is not permitted to copy, download or in any way publish, distribute or reproduce information on this website without the prior written consent of Marfina Finance or the consent of the copyright holder. You may print and/or download information on this website for your own personal use.

Changes
Marfina Finance reserves the right to change the information offered on or via this website, including the text of this disclaimer, at any time without further notice. It is recommended to periodically check whether the information offered on or via this website, including the text of this disclaimer, has been changed.

Applicable law
These websites and the disclaimer are governed by Dutch law. All disputes arising from or in connection with this disclaimer will be submitted exclusively to the competent court in the Netherlands.
By viewing this site and using the information offered thereon, you agree to the conditions and restrictions described above.