Internet Site Conditions of Use and Disclaimer

By using this Internet Site of PrivateLending SA (“PrivateLending”), you fully and irrevocably acknowledge and  agree that:

- PrivateLending, its employees or directors, its approved statutory auditors, its legal or other advisors do not  accept, and therefore disclaim, any liability for any consequences arising from the use of this Internet Site or the information contained therein.

- The legally binding conditions between investors and  borrowers shall  be contained in the specific legal   documentation pertaining to such investment and in the terms of use of PrivateLending.

- PrivateLending is not regulated nor supervised by any governmental authority and does not perform regulated activities.

- Ratings or credit  assessments provided by PrivateLending are of indicative nature only, and PrivateLending shall incur no liability in connection therewith. Investments are made  at the sole risk of the investor and such  investor should properly make the relevant risk assessments before deciding to make and investment.

Privacy Policy – Section 1
General Terms
(Effective date: 1 January 2021)


1. Introduction 

1.1. PrivateLending SA (“PrivateLending”) is active in finance, corporate finance and all matters involving the financing of corporations. To do so, PrivateLending gathers and processes your personal information in accordance with this privacy notice and in compliance with the relevant data protection Regulation and laws. 

1.2. PrivateLending’s privacy policy is governed by the data privacy laws of the European Union i.e. the General Data Protection Regulation (GDPR) effective since 25th of May 2018. 

1.3. This notice provides you with the necessary information regarding your rights and our obligations, and explains how, why and when we process your personal data.


2. Information that we collect 

2.1. General – PrivateLending processes your personal information to meet our legal, statutory and contractual obligations and to provide you with our products and services. We will never collect any unnecessary personal data from you and do not process your information in anyway, other than as specified in this notice. 

2.2 Personal data collected – The personal data that we collect from is (without limitation):- Name- Professional Affiliation- Professional Address- Professional Shipping Address- Professional e-mail- Professional Telephone Numbers- Data pertaining to Website Connection (e.g. IP address, device type, date of visit,...) 

2.3. Ways of collection – We collect information in the below ways:

- Online forms
- Contractual processes between your company and PrivateLending
- E-mails or messages you sent to one of our staff members
- Visit to our headquarters or stands during a exhibition
- Business cards you gave to one of our staff members
- Calls and conversation with one of our staff members
- Cookies (concerning website connection) 


3. Purposes and reasons for processing your personal data 

3.1. The purposes and reasons for processing your personal data are detailed below:
- We collect and store your personal data with your consent to provide you with our marketing information, understand the effectiveness of our marketing, send certain marketing communications, deliver relevant advertising to you and notify you about changes to our service and ensure that the content from our website is presented in the most effective manner for you and for your computer.
- We collect and store your personal data in the performance of a contract between you and PrivateLending.
- We collect and store your personal data as part of our legal obligation for business accounting, tax purposes, fraud investigations, law enforcement assistance and any other legal obligations placed on us from time to time.
- We collect and store your personal data in our legitimate interests of providing the best service and growing and improving our business and services, keeping our website and systems safe and secure, understanding our customer base, identifying trends, defending against or exercising legal claims and investigating complaints.


4. Safeguarding measures 

4.1. PrivateLending takes your privacy seriously. We work hard to protect you and your information from unauthorised access, alteration, disclosure or destruction and have several layers of security measures in place, including SSL, TLS, encryptions, pseudonymisation and restricted access 

5. Sharing and disclosing your personal information 

5.1. We will never sell or extract any financial value from your personal information by passing them to interested third-parties willing to commerce these personal data. 

5.2. Nevertheless, we may pass on your personal information to third-parties acting as data processors on behalf of PrivateLending and which renders specific services to PrivateLending.  Please note that we will ensure that all data processors acting on our behalf only process your data in accordance with instructions from us and comply fully with this data protection laws and ensure confidentiality and have security measures in place.  The following third-parties currently intervene as data processors to PrivateLending. 


6. How long we keep your data 

6.1. PrivateLending only ever retains personal information for as long as is necessary and we have strict review and retention policies in place to meet these obligations. 

6.2. Where we use your details for direct marketing, we will keep such data until you notify us otherwise and/or withdraw your consent (if based on your consent), or for two (2) years following your last activity with us, whichever is the latest. Other terms are specified in each specific sections related to a specific retention of personal data.


7. Your Rights 

7.1. You have the right to (a) access any personal information that PrivateLending processes about you and (b) request information about:
- What personal data we hold about you
- The purposes of the processing
- The categories of personal data concerned
- The recipients to whom the personal data has/will be disclosed
- How long we intend to store your personal data for
- If we did not collect the data directly from you, information about the source 

7.2. If you believe that we hold any incomplete or inaccurate data about you, you have the right to ask us to correct and/or complete the information and we will strive to do so as quickly as possible; unless there is a valid reason for not doing so, at which point you will be notified. 

7.3. You also have the right to request erasure of your personal data or to restrict processing (where applicable) in accordance with the data protection laws; as well as to object to any direct marketing from us. Where applicable, you have the right to data portability of your information and the right to be informed about any automated decision-making we may use. 

7.4. If we receive a request from you to exercise any of the above rights, we may ask you to verify your identity before acting on the request; this is to ensure that your data is protected and kept secure. 


8. Lodging a complaint 

8.1. PrivateLending only processes your personal information in compliance with this privacy notice and in accordance with the relevant data protection laws. 

8.2. If, however you wish to raise a complaint regarding the processing of your personal data or are unsatisfied with how we have handled your information, please contact us at info@privatelending.be 


9. Changes to this notice 

9.1. PrivateLending may modify this notice but in this case, you will be notified regarding these changes with the opportunity to revoke your consent to the processing of your personal data subject to the new dispositions.

Privacy Policy – Section 2
PrivateLending ​Borrower’s Form: Informative Notice pursuant to the GDPR
(Effective date: 1 January 2021)

Prior to your use of the PrivateLending Borrower’s Form available on the PrivateLending website, which requests from you the provision of some of yourPersonal Data, PrivateLending (as a potential Data Controller) wishes to inform you (as a potential Data Subject) about the following while reminding you that your consent on this Informative Notice must be obtained prior to your use of the related form.

1. Identity and details of the Data Controller

PrivateLending SA
Chaussée deLouvain 435
B-1380 Lasne
Belgium 

2. Purposes of the processing for which the Personal Data are intended

To contact PrivateLending through the Borrower’s Form for a preliminary discussion before a possible deeper contact, concerning a variety of reasons that are or will be determined by the Data Subject, notably (1) requesting additional information not appearing on the form, (2) the presentation of this investment opportunity to potential investors selected by PrivateLending and (3) the conclusion of a loan agreement with PrivateLending’s selected investors. 

3. Legal basis for the processing

Article 6, 1, a) of the GDPR. 

4. Recipient of the Personal Data

PrivateLending SA
Chaussée deLouvain 435
B-1380 Lasne
Belgium 

5. Period for which the Personal Data will be stored

PrivateLending retains personal information only for as long as is necessary and we have strict review and retention policies in place to meet these obligations.PrivateLending will keep such data until you notify us otherwise and/orwithdraw your consent (if based on your consent), or for five (5) years following your last activity with us, whichever is the latest. 

6. Other important information

The request for the provision of Personal Data for the use of thePrivateLending Borrower’s Form is not a statutory or contractual requirement and is not a requirement necessary to enter into a contract.  In the absence of the provision of the requested Personal Data, PrivateLending will not allow the use of the Borrower’s Form. The consent of the visitor must be obtained to access the Borrower’sForm. 

7. Rights of the Data Subject

As a Data Subject, you are entitled to the following rights:

- the right to request from PrivateLending (a) access to your Personal Data, (b) rectification of your Personal Data or (c) erasure of your Personal Data;
- the right to request from PrivateLending the restriction of processing concerning the Data Subject;
- the right to object to processing;
- the right to data portability;
- the right to withdraw your consent at any time;
- the right to lodge a complaint with a supervisory authority. 

Privacy Policy – Section 3
PrivateLending ​Investor’s Form: Informative Notice pursuant to the GDPR
(Effective date: 1 January 2021)

Prior to your use of the PrivateLending Investor’s Form available on the PrivateLending website, which requests from you the provision of some of yourPersonal Data, PrivateLending (as a potential Data Controller) wishes to inform you (as a potential Data Subject) about the following while reminding you that your consent on this Informative Notice must be obtained prior to your use of the related form. 

1. Identity and details of the Data Controller

PrivateLending SA
Chaussée de Louvain 435
B-1380 Lasne
Belgium 

2. Purposes of the processing for which the Personal Data are intended

To contact PrivateLending through the Investor’s Form for a preliminary discussion before a possible deeper contact, aiming to, notably, (a) assess investment opportunities presented by PrivateLending with regards to DataSubject’s investment’s criteria, (b) enter into further discussions concerning the execution of a loan agreement between the Data Subject in its position of investor and a borrower presented by PrivateLending and (c) subsequently monitor Data Subject’s investments in connection or not with the loan agreement. 

3. Legal basis for the processing

Article 6, 1, a) of the GDPR. 

4. Recipient of the Personal Data

PrivateLending SA
Chaussée de Louvain 435
B-1380 Lasne Belgium 

5. Period for which the Personal Data will be stored

PrivateLending retains personal information only for as long as is necessary and we have strict review and retention policies in place to meet these obligations.PrivateLending will keep such data until you notify us otherwise and/or withdraw your consent (if based on your consent), or for five (5) years following your last activity with us, whichever is the latest. 

6. Other important information

The request for the provision of Personal Data for the use of thePrivateLending Investor’s Form is not a statutory or contractual requirement and is not a requirement necessary to enter into a contract.  In the absence of the provision of the requested Personal Data, PrivateLending will not allow the use of the Investor’s Form. The consent of the visitor must be obtained to access the Investor’s Form. 

7. Rights of the Data Subject

As a Data Subject, you are entitled to the following rights:

- the right to request from PrivateLending (a) access to your Personal Data, (b) rectification of your Personal Data or (c) erasure of your Personal Data;
- the right to request from PrivateLending the restriction of processing concerning the Data Subject;
- the right to object to processing;
- the right to data portability;
- the right to withdraw your consent at any time;
- the right to lodge a complaint with a supervisory authority. 

Privacy Policy – Section 4
PrivateLending ​Hiring Form: Informative Notice pursuant to the GDPR
(Effective date: 1 January 2021)

Prior to your use of the PrivateLending Hiring Form available on the PrivateLending website, which requests from you the provision of some of yourPersonal Data, PrivateLending (as a potential Data Controller) wishes to inform you (as a potential Data Subject) about the following while reminding you that your consent on this Informative Notice must be obtained prior to your use of the related form. 

1. Identity and details of the Data Controller

PrivateLending SA
Chaussée de Louvain 435
B-1380 Lasne Belgium 

2. Purposes of the processing for which the Personal Data are intended

To contact PrivateLending through the Hiring Form for a preliminary contact to be, on a case-by-case basis, followed by either exchange of emails or discussions before a possible hiring interview, concerning the engagement of the Data Subject as an employee of, or a contractor to, PrivateLending. 

3. Legal basis for the processing

Article 6, 1, a) of the GDPR. 

4. Recipient of the Personal Data

PrivateLending SA
Chaussée deLouvain 435
B-1380 Lasne
Belgium 

5. Period for which the Personal Data will be stored

PrivateLending retains personal information only for as long as is necessary and we have strict review and retention policies in place to meet these obligations.PrivateLending will keep such data until you notify us otherwise and/or withdraw your consent (if based on your consent), or for two (2) years following your last activity with us, whichever is the latest. 

6. Other important information

The request for the provision of Persona Data for the use of thePrivateLending Hiring Form is not a statutory or contractual requirement and is not a requirement necessary to enter into a contract.  In the absence of the provision of the requested Personal Data, PrivateLending will not allow the use of the Information Request Form.  The consent of the visitor must be obtained to access the Hiring Form. 

7. Rights of the Data Subject

As a Data Subject, you are entitled to the following rights:

- the right to request from PrivateLending (a) access to your Personal Data, (b) rectification of your Personal Data or (c) erasure of your Personal Data;
- the right to request from PrivateLending the restriction of processing concerning the Data Subject;
- the right to object to processing;
- the right to data portability;
- the right to withdraw your consent at any time;
- the right to lodge a complaint with a supervisory authority.

Privacy Policy – Section 5
PrivateLending ​Question Form: Informative Notice pursuant to the GDPR
(Effective date: 1 January 2021)
Prior to your use of the PrivateLending Question Form available on the PrivateLending website, which requests from you the provision of some of yourPersonal Data, PrivateLending (as a potential Data Controller) wishes to inform you (as a potential Data Subject) about the following while reminding you that your consent on this Informative Notice must be obtained prior to your use of the related form. 

1. Identity and details of the Data Controller

PrivateLending SA
Chaussée de Louvain 435
B-1380 Lasne
Belgium 

2. Purposes of the processing for which the Personal Data are intended

To contact PrivateLending through the Question Form for a preliminary question to be, on a case-by-case basis, followed by either exchange of emails or discussions before a possible deeper contact, concerning a variety of reasons that are or will be determined by the Data Subject. 

3. Legal basis for the processing

Article 6, 1, a) of the GDPR. 4.

Recipient of the Personal Data

PrivateLending SA
Chaussée deLouvain 435
B-1380 Lasne
Belgium 

5. Period for which the Personal Data will be stored

PrivateLending retains personal information only for as long as is necessary and we have strict review and retention policies in place to meet these obligations.PrivateLending will keep such data until you notify us otherwise and/or withdraw your consent (if based on your consent), or for two (2) years following your last activity with us, whichever is the latest. 

6. Other important information

The request for the provision of Personal Data for the use of thePrivateLending Question Form is not a statutory or contractual requirement and is not a requirement necessary to enter into a contract.  In the absence of the provision of the requested Personal Data, PrivateLending will not allow the use of the Information Request Form. The consent of the visitor must be obtained to access the Question. 

7. Rights of the Data Subject

As a Data Subject, you are entitled to the following rights:
- the right to request from PrivateLending (a) access to your Personal Data, (b) rectification of your Personal Data or (c) erasure of your Personal Data;
- the right to request from PrivateLending the restriction of processing concerning the Data Subject;
- the right to object to processing;
- the right to data portability;
- the right to withdraw your consent at any time;
- the right to lodge a complaint with a supervisory authority.

Privacy Policy – Section 6
PrivateLending ​Information Request Form: Informative Notice pursuant to the GDPR
(Effective date: 1 January 2021)
Prior to your use of the PrivateLending Information Request Form available on the PrivateLending website, which requests from you the provision of some of your Personal Data, PrivateLending (as a potential Data Controller)wishes to inform you (as a potential Data Subject) about the following while reminding you that your consent on this Informative Notice must be obtained prior to your use of the related form.

1. Identity and details of the Data Controller

PrivateLending SA
Chaussée deLouvain 435
B-1380 Lasne
Belgium 

2. Purposes of the processing for which the Personal Data are intended

To contact PrivateLending through the Information Request Form for a preliminary exchange of emails and/or a discussion before a possible deeper contact, concerning a variety of reasons that are or will be determined by theData Subject. 

3. Legal basis for the processing

Article 6, 1, a) of the GDPR. 

4. Recipient of the Personal Data

PrivateLending SA
Chaussée de Louvain 435
B-1380 Lasne
Belgium 

5. Period for which the Personal Data will be stored

PrivateLending retains personal information only for as long as is necessary and we have strict review and retention policies in place to meet these obligations.PrivateLending will keep such data until you notify us otherwise and/or withdraw your consent (if based on your consent), or for two (2) years following your last activity with us, whichever is the latest. 

6. Other important information

The request for the provision of Personal Data for the use of thePrivateLending Information Request Form is not a statutory or contractual requirement and is not a requirement necessary to enter into a contract. In the absence of the provision of the requested Personal Data, PrivateLending will not allow the use of the Information Request Form. The consent of the visitor must be obtained to access the Information Request Form. 

7. Rights of the Data Subject

As a Data Subject, you are entitled to the following rights: the right to request from PrivateLending (a) access to your Personal Data, (b) rectification of your Personal Data or (c) erasure of your Personal Data; the right to request from PrivateLending the restriction of processing concerning the Data Subject; the right to object to processing; the right to data portability; the right to withdraw your consent at any time; the right to lodge a complaint with a supervisory authority.