Privacy Policy
Fibus attaches great importance to the protection of personal data and privacy. As such, we have recently updated our data protection policy.
This data protection policy sets out how user data is processed and protected on this site.
Users of this site are likely to communicate personal data concerning them to Fibus, the publisher of the site, by using the various collection media, tools and services listed below that are available to them on the site:
- Information collection form, appointment request and information request
- Cookies
The personal data collected may be subject to processing, whether automated or not, in accordance with the General Data Protection Regulation “RGPD” of 27 April 2016 on the protection of individuals with regard to the processing of personal data and on the free movement of such data and with Law 78-17 of 6 January 1978 under the conditions attached to each collection medium or service, described in this data protection policy.
DATA CONTROLLER
The personal data collected via the various services or data collection media appearing on this site are collected by Fibus, publisher of the site and acting as the data controller within the meaning of the RGPD, except where it is expressly mentioned on the data collection media that the data controller is a third party.
In this case, in accordance with the law, the data controller will specify the characteristics of the processing that it implements under its sole responsibility.
Use and collection of data
In general, the user may connect to the Site without indicating his identity or providing any information concerning him/her.
When using the site, users are likely to communicate to Fibus, publisher of the site, personal data concerning them by filling in the forms on the site.
It is not obligatory to answer all the questions asked. The compulsory nature of the information is indicated by the presence of an asterisk. Failure to provide this information will make it impossible for Fibus to process your request.
Purpose of the processing
The data collected in this way may be subject to processing, whether automated or not, within the meaning of the RGPD, in order to respond to requests made via the forms, tools and services made available, to comply with our legal and regulatory obligations, to fulfil a contractual or pre-contractual obligation at your request, and to satisfy the legitimate interest of the site editor in respect of your fundamental rights and freedoms.
On the legal basis of legitimate interest or consent, as the case may be, data may be processed for commercial prospecting purposes, subject to compliance with the regulations applicable in this area (right to object for prospecting by post and telephone – prior consent for prospecting by electronic means). In addition, the cookies present on the site are intended to enable the site to function properly, to measure the site’s audience and also to personalise your visit and, subject to your agreement, to send you targeted advertising or personalised communications linked to your centres of interest or your needs, and to send you commercial prospecting messages.
On the legal basis of legitimate interest, the detection of acts carried out within the framework of activities that are anomalous, inconsistent or that have been reported as potentially involving fraud. Personal data may be kept for a maximum of five (5) years in the event of proven fraud, and, failing that, twelve (12) months.
Professional Confidentiality
The data collected is protected by the professional secrecy to which Fibus is bound by virtue of article L.511-33 of the Monetary and Financial Code.
However, in order to achieve the purposes listed above, Fibus may communicate this data to any entity of the Fibus Group, or in the event of pooling of resources or grouping of companies, as well as to subcontractors participating in particular in the offer of financial products, within the limits necessary to achieve the purposes described.
By way of exception, this personal data may be communicated and archived in order to comply with legal or regulatory obligations and to respond to requests from legally authorised administrative or judicial authorities.
In this respect, the user of the site expressly authorises Fibus to share personal data concerning him/her and any updates.
Data Retention Period
The data collected is kept and processed for the time necessary to achieve the purpose for which it was collected and for a maximum of the periods mentioned in this personal data protection policy:
- 3 years for commercial prospecting
- 13 months from the time the cookies are deposited in the user’s equipment
- 13 months for connection data (IP address, logs, etc.)
How To Exercise Your Rights
In the context of the use of the site and its services, you have rights to personal data concerning you. These rights are as follows:
- Right of access, rectification and deletion of data (inaccurate, incomplete, ambiguous or outdated);
- Right to object to the processing of your data at any time in the context of commercial prospecting;
- Right to limit the processing of your data under the conditions provided for by the regulations;
- Right to data portability;
- Right to withdraw your consent at any time;
- Right to lodge a complaint with a supervisory authority.
You can exercise these rights and contact Fibus by writing a letter to Fibus, publisher of the site, at the following address: 176 avenue Charles de Gaulle 92200 Neuilly-sur-Seine, France or by email at the following address: rgpd@fibus.com. The cost of postage will be reimbursed on simple request from you.
In the event of a dispute, you may also file a complaint with the CNIL, whose website is accessible at the following address: www.cnil.fr and whose head office is located at 3 Place de Fontenoy – TSA 80715 – 75334 Paris Cedex 07.
Data Recipient
The personal data collected in the context of the use of the site and its services may be communicated to :
- any entity of the Fibus Group for commercial prospecting purposes or in the event of pooling of resources or grouping of companies;
- our subcontractors for the sole purpose of subcontracting (Google Tag Manager, Google Tag Analytics, Google Ads, YouTube, SalesForce) ;
- to our partners to enable you to benefit from their advantages (ABN Amro, Banque Delubac, Bibby Factor, BNP Paribas, BPCE Factor, Crédit Mutuel Factoring, Edebox, CA EUrofactor, Dimpl, FactorFrance, Faktus, Karmen, DeFacto, La Banque Postale Leasing et Factoring, Société Générale Factoring);
By filling in the forms, the User accepts, subject to the exercise of his/her right of opposition under the conditions defined above, that his/her data and any updating thereof be shared.
Use Of Data For Marketing Purposes
In accordance with the applicable regulations, any canvassing by automatic calling machine, electronic mail, SMS/MMS or fax, as well as any transfer or rental of data for canvassing purposes using these means, will only be carried out with the prior consent of the user concerned.
If you agree to receive such prospecting messages by ticking the acceptance boxes provided for this purpose on this site, it will be possible for you to withdraw your consent at any time, and in particular each of the prospecting e-mails will offer you the possibility of objecting to the sending of new prospecting e-mails in the future.
Furthermore, if you do not wish to be the subject of commercial canvassing by telephone, you can register on the Bloctel opposition list (more information on the website www.bloctel.gouv.fr).
At any time, you may object to any canvassing by other means by writing to the contacts mentioned in the paragraph “How to exercise your rights”. The cost of postage will be reimbursed on request.
Cookies
When you visit the Site, information relating to your browsing may be recorded in “Cookies” files installed on your terminal (computer, tablet, smartphone, etc.), subject to the choices you have made concerning cookies and which you can modify at any time.
The information below will help you understand how cookies work and how to use the current tools to set them.
What is a cookie?
The use of cookies is common on the Internet. A cookie is a small text file containing information, recorded on the hard disk of your terminal (e.g. computer, tablet or mobile phone) when you visit a website thanks to your browser software. It is transmitted by the server of a website to your browser.
The cookie file allows its issuer to identify the terminal in which it is stored during the period of validity or storage of the cookie concerned. A cookie cannot be traced back to a physical person.
Why do we use cookies?
Fibus, publisher of the site, uses several categories of cookies, the purposes of which are described below. Some technical cookies (session cookies in particular) are essential for the proper functioning of the Site. Deleting them may lead to navigation difficulties.
1.Technical cookies
Technical cookies are cookies that are strictly necessary for the operation of the site. They enable or facilitate communication for the provision of a service by electronic means expressly requested by the Internet user. These cookies are deleted as soon as you close your browsing session.
These cookies are issued and deposited for Fibus by Softeam. They have a very short lifespan, for the majority, the time of the session, and at most one year.
2.Audience measurement cookies (statistics))
These cookies collect information about how visitors use a website. For example, the time spent on the site, the pages visited, etc. These cookies allow us to establish statistics for analysing the number of visitors to our site, from which the content of our site is improved according to the success of a particular page with our visitors.
Google Analytics, the statistical tool used by Fibus, generates a cookie with a unique identifier, the duration of which is limited to 2 years. We collect the IP address, in order to identify the city from which you are connecting. The last two bytes are immediately anonymised. Fibus can therefore in no way identify an individual Internet user via the data collected. The data collected is not passed on to third parties or used for any other purpose.
3.Sharing cookies (social networks)
Our site contains social network sharing buttons (“plug-ins”) that allow you to share content from the Site with others.
When you use these sharing buttons, your web browser will establish a connection with the servers of the social networks concerned and a third-party cookie is installed after your consent has been obtained. If you are connected to the social network while browsing our site, the sharing buttons allow you to link the content consulted to your user account.
The data is collected for a limited period of 2 years maximum.
In this context, the purposes and scope of the use of your data, further processing and your rights will be subject to the privacy policies of the social network providers and placed under their sole responsibility.
How to manage cookies?
Several possibilities are offered to the user to manage cookies. Any settings that the user may make will be likely to modify his or her Internet navigation and conditions of access to certain services requiring the use of cookies.
The user can choose at any time to modify his wishes regarding cookies, by the means described below:
- Check the box to allow the relevant cookies.
- Uncheck the box to disallow the relevant cookies.
For more information on cookies, you can visit the CNIL website: www.cnil.fr.
Data Security
Fibus’s concern is to preserve the quality and integrity of your data. The technologies and security policies applied enable us to protect your data against any unauthorised access or improper use. The various persons who have access to the data are required to respect the privacy of the users of the Site and the confidentiality of their data.
It is reminded that the secrecy of correspondence, the confidentiality and integrity of information transmitted are not guaranteed on the Internet network and that it is up to each user to take all appropriate measures to protect his or her own data and/or software from any viruses that may be transmitted during a connection despite the vigilance of the administrators of the Internet site. Fibus will never ask users of the Site to provide confidential information by e-mail.
