Privacy policy

 

 

Privacy Policy - Crédit Agricole Leasing & Factoring

Crédit Agricole Leasing & Factoring attaches great importance to the protection of your personal data and privacy. As such, we have updated our Privacy Policy, which we invite you to consult.

This Privacy Policy sets out how user data is processed and protected through this website.

Users of this website may submit personal data to Crédit Agricole Leasing & Factoring, the website editor, using the following collection materials, tools and services available on the website:

  • Information gathering form, questionnaires, appointment request and information request
  • Cookies
  • Simulators present on the website

Personal data collected may be processed, whether automated or not, in accordance with the General Data Protection Regulation “GDPR” of 27 April 2016 on the protection of individuals with regard to the processing of personal data and the free movement of such data and under the conditions attached to each collection or service media, as described in the General Conditions of Use of the Website and this Privacy Policy.

Data Controller

Personal data collected through the various services or data collection media on this website shall be collected by Crédit Agricole Leasing & Factoring, publisher of the website and acting as controller within the meaning of the GDPR, except where it is expressly stated on the data collection media that the data controller is a third party. In this case, according to the law, the controller will specify the characteristics of the treatment he/she performs under his/her sole responsibility.

The collection and use of data

In general, the user can connect to the website without indicating his identity or providing any information about him.

As part of the use of the website and its services, users may submit personal data to Crédit Agricole Leasing & Factoring, the website editor, by filling in the forms or questionnaires on the website.

You do not have to answer all the questions you are asked. The mandatory nature of the communication of information is indicated by the presence of an asterisk. Failure to provide this data will result in the inability of Crédit Agricole Leasing & Factoring to process your application or for you to use the tool or service.

Purposes of processing

The data thus collected may be processed, whether automated or not, within the meaning of the GDPR, in order to respond to requests expressed through the forms, tools and services made available, to comply with our legal and regulatory obligations, to fulfil a contractual or pre-contractual obligation on your request, to satisfy the legitimate interest of the publisher of the website in accordance with your fundamental rights and freedoms.

On the legal basis of the legitimate interest or consent as appropriate, the data may be processed for the purposes of commercial prospecting, subject to compliance with the relevant regulations (right of objection for postal and telephone prospecting - prior consent for electronic prospecting). The purpose of the cookies is to enable the website to function properly, to measure the audience of the website and also to personalize your journey, and, subject to your agreement, to send you targeted advertisements or personalized communications related to your interests or needs, and to send you marketing messages.

Professional Secrecy

The data collected is protected by the obligation of professional secrecy to which Crédit Agricole Leasing & Factoring is bound under Article L.511-33 of the Monetary and Financial Code.

However, in order to achieve the purposes listed above, Crédit Agricole Leasing & Factoring may be required to communicate this data to any entity of the Crédit Agricole Group*, or in the case of pooling of funds or the grouping of companies, as well as to subcontractors involved in the supply of financial products, to the extent necessary for the performance of the purposes described.

By way of exception, such personal data may be disclosed and stored in order to comply with legal or regulatory obligations and to respond to requests from the legally authorised administrative or judicial authorities. As such, the user of the website expressly allows Crédit Agricole Leasing & Factoring to share personal data concerning him and their possible updates.

Data retention period

The data collected shall be kept and processed for the duration necessary for the purpose pursued and for the maximum duration mentioned in this Privacy Policy:

  • 3 years for commercial exploration;
  • For geolocation data, the time required to perform the service, the data not being retained beyond;
  • 13 months for login data (IP address, logs, etc.).

How to exercise your rights

As part of the use of the website and its services, you have some rights regarding your personal data. These rights include:

  • Right of access, rectification and erasure of data (inaccurate, incomplete, ambiguous or outdated);
  • Right to oppose the processing of your data at any time in the context of commercial exploration;
  • Right to limit the processing of your data under the conditions laid down in the regulations;
  • Right to data portability;
  • Right to withdraw your consent at any time;
  • Right to file a complaint with a supervisory authority.

You may exercise these rights and contact the Data Protection Officer by writing to Crédit Agricole Leasing & Factoring, publisher of the site, by simple letter, which is:

12 place des États-Unis -  92127 Montrouge Cedex

or by email to: DPO-calf@ca-lf.com

Stamp fees will be reimbursed upon request.

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 the headquarters are located at 3 Place de Fontenoy - TSA 80715 - 75334 Paris Cedex 07.

Data recipients

Personal data collected in connection with the use of the website and its services may be communicated to:

  • any entity of the Crédit Agricole Group for the purpose of commercial exploration or in the case of pooling or regrouping of companies;
  • our subcontractors for the sole purpose of subcontracting ;
  • to our partners to enable you to benefit from these partnerships;
  • to survey or survey institutes, acting on behalf of the Crédit Agricole Group, for statistical purposes, knowing that you are not required to respond to their requests and that your data will be destroyed after processing.

By filling out the forms or questionnaires, the user agrees, subject to the exercise of his right of opposition under the conditions set out above, that his data and their possible updating be shared.

Due to the international dimension of the Crédit Agricole Group and the measures taken to ensure the use of computer tools and the security of computer networks and transactions, or in the context of the pooling of resources, computer maintenance operations or the management of operations, the processing of the data collected is likely to involve transfers of personal data to countries not members of the European Economic Area whose legislations in terms of protection of personal data are different from the ones within the European Union.

In this case, a precise and demanding framework, in accordance with the models adopted by the European Commission, as well as appropriate security measures, shall ensure the protection of the personal data transferred.

Use of data for prospecting

Crédit Agricole Leasing & Factoring may be contacted by the front, middle and back office teams, in response to its request but also based on the legitimate interest of Crédit Agricole Leasing & Factoring, for commercial exploration by phone, e-mail, SMS/MMS or fax.

The user may at any time request the limitation or opposition to the processing of his data collected through the contact form, in the context of the presentation of the products and services of Crédit Agricole Leasing & Factoring or those offered by the subsidiaries of Crédit Agricole Leasing & Factoring or Crédit Agricole SA, specifying the method of solicitation refused (mail, phone).

In order to restrict or oppose the processing of data, the Internet user may send his application by e-mail to contact@ca-lf.com and as specified in the data protection policy of this website, to the Data Protection Officer of Crédit Agricole Leasing & Factoring:

  • By mail to: Délégué à la Protection des Données - Crédit Agricole Leasing & Factoring, 12 place des États-Unis -  92127 Montrouge Cedex
  • Or by e-mail to: DPO-calf@ca-lf.com

Cookies

When you visit our website, information about your browsing may be stored in "Cookies" files installed on your terminal (computer, tablet, smartphone...), subject to the choices expressed regarding cookies and which you can modify at any time.

The information below allows you to better 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, which is stored on the hard drive of your terminal (e.g. computer, tablet or mobile phone) when you visit a website using your navigation 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 registration of the cookie concerned. A cookie does not allow identifying an individual person.

Why do we use cookies?

Crédit Agricole Leasing & Factoring, publisher of the website uses 3 categories of cookies whose purposes are described below. Some technical cookies (e.g. session cookies) are essential for the proper functioning of the website. Removing them can lead to navigation difficulties and the inability to subscribe online to our offers.

1. Technical Cookies

Technical cookies are cookies strictly necessary for the operation of the website. In particular, they allow accessing to reserved and personal spaces, through personal identifiers (session identifier cookie), the implementation of security measures (e.g., when requested to re-connect to a content or service after a certain period of time), to allow or facilitate communication for the provision of an electronic service expressly requested by the user. These cookies are deleted as soon as you close your browsing session.

These cookies are issued and deposited by Crédit Agricole Leasing & Factoring. They have a very short life, for the majority, the time of the session, and a maximum of one year.

2. Audience Measurement Cookies (Statistics)

These cookies gather information about how visitors use a website. For example, the numbers of visits, the most visited pages... These cookies allow establishing statistics of traffic analysis from which the contents of our website are improved according to the success of a particular page with our visitors.

Google Analytics, the statistical tool used by Crédit Agricole Leasing & Factoring, generates a cookie with a unique identifier, the duration of which is limited to 2 years. We collect the IP address to identify the city from which you are connecting. The last two bytes are immediately anonymized. Crédit Agricole Leasing & Factoring cannot therefore identify an individual online through the data collected.

The data collected is not transferred to third parties or used for any other purposes.

3. Sharing cookies (social networks)

Our website contains buttons ("plug-ins") for sharing to Facebook, Twitter, and Google+ that allow you to share content of our website 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 is obtained. If you are connected to the social network when you browse our website, the sharing buttons allow you to link the content you visited to your user account.

The data shall be collected for a period of up to 2 years.

In this context, the purposes and scope of your data use, additional processing and rights will be subject to the Privacy policies of social media providers and placed under their sole responsibility.

How do I manage cookies?

There are several possibilities for the user to manage cookies. Any settings that the user may undertake will be liable to change his or her Internet navigation and access conditions to certain services requiring the use of Cookies.

The user may choose to modify his or her cookies wishes at any time by the means described below.

To oppose the use of cookies deposited by Google Analytics: Turn off Google Analytics.

Settingup your browser

You can configure your browser to store cookies in your terminal or reject them either systematically or according to their transmitter. You can also configure your browser to allow the acceptance or refusal of cookies to be offered to you on time, before a cookie can be stored in your terminal.

The configuration of each browser is different. It is described in your browser's Help menu.

For Chrome ™

For Internet Explorer ™

 For Firefox ™

 For Opera ™

 For safari ™

or

on Chrome

  • Click the three-point vertical icon on the browser toolbar.
  • Select Settings.
  • Click "Show Advanced Settings".
  • In the "Privacy" section, click the "Content Settings" button.
  • In the "Cookies" section, you can block cookies and data from third-party websites.

 on Firefox

  • At the top of the Firefox window, click the Firefox button (Tools menu in Windows XP), and then select Options.
  • Select the "Privacy and Security" panel.
  • Set Retention Rules: to "Use custom settings for history".
  • Uncheck "Accept cookies".

 on Safari

  • Go to Settings > Preferences.
  • Click on the "Privacy" tab.
  • In the "Block cookies" box, select the "Always" check box.

 on Internet Explorer

  • Go to Tools > Internet Options.
  • Click on the "Privacy" tab.
  • Click the advanced button, select the "Deny" checkbox.

 on Opera

  • Go to Settings > Preferences.
  • Click the advanced tab.
  • In the "Cookies" box, select the "Never accept cookies" checkbox.

Please note that your wish is taken into account by means of a cookie. If you delete all cookies stored in your terminal, through your browser, we will not know that you have chosen this option.

More information about cookies

For more information about cookies, you can visit the CNIL (French Data Protection Authority) website at: https://www.cnil.fr/fr/cookies-les-outils-pour-les-maitriser.

Security

Crédit Agricole Leasing & Factoring is committed to preserving the quality and integrity of your personal data. Applied security technologies and policies help protect your personal data from unauthorized access, misuse, or unauthorized use. The different persons who have access to the data are obliged to respect the Privacy of the users of this website and the confidentiality of their data.

It is recalled that the Privacy of messages, confidentiality and integrity of the information transmitted are not guaranteed on the Internet network and that it is the responsibility of each user, in particular, to take all appropriate measures to protect his own data and/or software from possible viruses which may be transmitted during a connection despite the vigilance of the administrators of the website on the Internet, Crédit Agricole Leasing & Factoring disclaiming any liability whatsoever in this regard.

Crédit Agricole Leasing & Factoring will never e-mail users of the website to log in to their online bank or provide them with confidential data (including credit card number and code).

 

* Crédit Agricole Group: means the combination (1) of Crédit Agricole S.A., (2) of the Regional Funds of Crédit Agricole, (3) of the companies and groupings in which one or the other of the abovementioned companies owns, together or separately, directly or indirectly, a holding or in which one or more other companies and groups abovementioned achieve a dominant influence there or appoint the administrative or management body or bodies (e.g. GIE without capital) and (4) of the National Federation of Crédit Agricole. In terms of participation, control of companies and dominant influence, all companies meeting the criteria referred to in the articles L. 233-1 à L. 233-3 and L. 233-16 of the Commercial Code.