• The use of the website requires the User to register, designate one or several Representatives, and provide the requested information, including certain personal identification data of the User (in case of a natural person) and/or the Representatives, such as (private and company) name, title, address, date of birth, title, mandate, email address, telephone number, bank account details, financial information, VAT number, company registration number, type of company. We may also require the User to provide personal identification data of the User’s directors and shareholders (name, address, function, date of birth, gender, number of the personal ID document, personal ID number (if assigned), date of birth, expiry date of the personal ID document, photograph/s of the personal ID document, date, IP address, and manner of personal identification). The collected personal data depends on the services to be used. When you provide such information, we collect and process it.
• If You contact us through the website or an online contact form, by telephone, email, letter, through social media, with enquiries concerning the website or our other products or services, or complete surveys or other requests for information, we collect and process the contact information you provide, such as name, address, email address, telephone number and other information you should provide.
• The use of our website and/or website may automatically imply the collection of certain Personal Data (such as your IP-address, unique device identifier and preferences) through automatic logs and/or the use of cookies.To learn more about cookies and the Personal Data they collect, see our Cookie Policy).

• We require your Personal Data in light of the management of your Account, responding to your enquiries and in general the performance of the contractual agreements between you and Credendo regarding the use of the website and the provision of Products or Services including the assessment of your eligibility for such Products or Services.
• We may process your Personal Data for an identity verification on the basis of your explicit prior written consent in order for you to be able to register as a user on the GrowKap platform.

• Furthermore, we require your Personal Data in light of our legitimate interest, such as to ensure the effective functioning and further development of the website and to provide you with the best experience with our services, to manage our suppliers, to inform you of updates or changes to the website and of similar products and services, and to provide you with information about our activities (marketing emails).

• Lastly, certain regulatory and legal obligations require us to process your Personal Data, such as Know Your Customer regulations, supervisory regulations, anti-fraud and anti-money laundering regulations and international sanctions.

• With other entities within the Credendo group of companies to allow them to support the activities of the website, as well as to offer your company their similar products and services and to provide you with information about their activities.
• With the PSP providing support to GrowKap regarding electronic payments (such as Digiteal SA: for more information on Digiteal’s privacy policies: see link). Its Privacy Policy shall also be made available to you before the payment process is carried out.
• With certain third parties such as our suppliers of certain IT applications, financial services or marketing or communication services, to allow our business relationships to be managed in the best possible way.
• With our Partners, in order to facilitate the provision of (sign-up or integrated) Products and Services of our Partners through the website.
• With public authorities, in response to legal requests, including to meet national security requirements or for the application of the law (such as, for example, the NSSO [National Social Security Office], the tax authorities, the supervisory authorities, etc.).
• As part of a transaction, such as a merger, acquisition, consolidation or sale of assets, we may be required to share your Personal Data with the buyers or sellers.

You can ask Credendo to access all of the following information regarding:

• The categories of Personal Data that we collect about You;– The reasons why we use these data;
• The categories of persons to whom your Personal Data have been or will be communicated and in particular persons based outside Europe;
• The duration for which your Personal Data will be kept in our systems;
• Your right to ask us to correct or delete your Personal Data or to limit the use that we make of your Personal Data, and your right to oppose such use;
• Your right to make a complaint to the competent data protection authority;
• Information concerning their source when we have not collected your Personal Data directly from You;
• The way in which your Personal Data are protected when they are transferred to countries outside Europe (if relevant).

You can ask Credendo to correct and/or update your Personal Data.

• Your Personal Data are no longer necessary as the reasons for which they were collected or processed are no longer valid;You have withdrawn your consent, which is the basis for Credendo to process your Personal Data;
• For your own reasons, you believe that one of the instances of processing your data is infringing on your privacy and causing you excessive damage;
• You no longer wish to receive commercial proposals from us;
• Your Personal Data are not being processed in accordance with the GDPR and the applicable national regulations;
• Your Personal Data must be erased to comply with a legal obligation provided for by European Union law or by Belgian national law to which Credendo is subject.

• if such processing is necessary for the entering into or performance of your contract;
• if such processing is required by law or by a regulation;
• if such processing is required to record, exercise or defend the rights in court.

• recover your Personal Data, which are being processed by us, for your personal use and to store them on a device or in private cloud storage, for example.
• transfer your Personal Data from us to another company, either by you or directly by us, provided that a direct transfer is ‘technically possible’.
• This right concerns your data that have been actively and knowingly declared, such as the data provided to create your Account (e.g. email address, user name, age), and the information collected by Credendo. Conversely, the Personal Data that are derived, calculated or inferred from the data that you have provided, are excluded from the right to data portability if they were created by Credendo.

• The accuracy of the Personal Data is contested;
• The processing is unlawful, meaning it is not processed according to the GDPR and Belgian law;
• The Personal Data is no longer needed for the purposes of the processing, but they are required by you for the establishment, exercise or defence of legal claims;
• The decision regarding your objection to the processing is pending.

How can you exercise your rights?

• by email: credendodataprotection@credendo.com
• by letter: Credendo ECA, FAO Mr. Geert Goossens, Montoyerstraat 3, 1000 Brussels, Belgium.

• by email: contact@apd-gba.be
• by letter: Belgian Data Protection Authority, Drukpersstraat 35, 1000 Brussels, Belgium.