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stupuliamo When a loan agreement, the credit institution makes us deliver this letter (We have simplified the form to make it more capibile ..)

"... Dear Customer,

to provide the funding required, we use certain information about you. This is information that you provide us with the same or obtained by inspection of certain databases. Without these data, we need to assess its reliability, may not be granted funding.

This information will be retained by us and some will be communicated to large databases set up to assess the risk credit, privately operated and consulted on many subjects. This means that other banks or financial information that you ask for another loan, a loan, a credit card, etc.. even in installments to buy a commodity, they can find out if you made us a recent grant application, if current funding and if other loans or pay their installments.

Should you be punctual in payments, the retention of such information from the databases requires your consent. In case of payment delay or omitted payments, or where the funding relates to your business or professional activity, such consent is not required.

you are entitled to know your data and to exercise other rights relating to their use (updating, cancellation, etc.)..

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We store your information in our society for all that is necessary to manage the financing and fulfill with legal obligations.

In order to better assess credit risk, report some (personal data, even if multiple liability of the person, type of contract, loan amount, repayment) to credit reporting systems, which are governed by its Code of Ethics of 2004 (Official Gazette in November 2004 ... No ...;). The data are made accessible to individual farmers banking and financial participants, of which the following is the categories.

data concerning you are periodically updated with information acquired during the relationship (pattern of payments, debts residual status of the report).

part of the credit information systems, your data will be processed in a manner of organization, comparison and processing are strictly necessary to achieve the purposes above descritte.I credit reporting systems are managed by which we adhere:

IDENTIFICATION: ... (Name, address, contact information is also computerized, state the type of system: w / no) / PARTICIPANTS: ... (Specify the categories, eg.: Banks, finance companies, leasing companies ...) / TIME DATA RETENTION

Similarly can request correction, updating and integration of inaccurate or incomplete data, or the cancellation or the blocking of data treated in violation of the law, or oppose their use for legitimate purposes to be indicated in the request (Article 7 of the Code, art. 8 of the Code of Conduct )..."