Privacy & cookie policy

1. General

Hypotheek.winkel BVBA, with its registered office at Leuvensesteenweg 643 Bus 14 1930 B-Zaventem, registered with the Belgian Crossroads Bank for Enterprises under number 0474.087.795, is responsible for the processing of your personal data on the website www.hypotheekwinkel.be.

hypotheek.winkel stores and processes your personal data in accordance with the ‘GDPR regulation’, this being Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016, on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation), and the national implementing legislation.

A statement was made by the Belgian Commission for the Protection of Privacy regarding the processing of your personal data, as the law demands.

2. Personal data collected

2.1 The data you provide us with
In the registration form on the website:

Forename, surname, email address, date of birth, country, phone number, address, financial details.

2.2. The data collected automatically:

Certain data is collected via cookies: see the bottom of this document for our cookie policy.

Certain data may also be collected without being stored in cookies. This can only be read by hypotheek.winkel BVBA and only during your visit to the Website. This involves: 1°) the TCP/IP address 2°) the type and version of your browser 3°) the last Internet page visited.

2.3. Personal data communicated by commercial partners.

In this supposition, the commercial partners of hypotheek.winkel BVBA guarantee to hypotheek.winkel BVBA that the commercial partners have obtained permission to transfer the personal data in question.

3. Purposes of the processing

3.1. General purposes

Your personal data will be collected in order to:

• Provide you with the service offered on the Website;

• Conduct market research to improve the technical and content-related quality of the Website;
• Provide information, send e-mails with various information that might interest you;
• Manage the technical administration of the website;
• After making the data anonymous, to compile statistics or conduct surveys on the number of visits to the various sections of the Website.

3.2 Where we process data

1. We ourselves and our third-party processors will only process your identifiable personal data in the EEA.

1. We may transfer your anonymised and/or aggregated data to organisations outside the EEA. If such a transfer takes place, we will ensure that appropriate safeguards are in place to guarantee the security and integrity of your personal data, and that all rights in relation to personal data that you may enjoy under applicable mandatory law are guaranteed.

1. If there is a transfer of your personal data and/or anonymised and/or aggregated data, the following legal protection mechanism will be implemented:

Which	Country outside EEA	Legal transfer mechanism
HubSpot   Facebook   Google   LinkedIn	USA   USA   USA   USA	EU – US Privacy Shield   EU – US Privacy Shield   EU – US Privacy Shield   EU – US Privacy Shield

3.3. Direct marketing and communication to third parties

Your personal data will be kept strictly confidential and will under no circumstances be communicated to third parties or used for direct marketing purposes, unless hypotheek.winkel BVBA has obtained your explicit prior consent for this (“opt-in”) when you register. A sales relationship between a company of hypotheek.winkel BVBA and the customer, even if it concerns a free product, counts as an opt-in for sending e-mails with similar products and services.

This consent can be withdrawn at any time, without justification and free of charge by sending an e-mail to info@hypotheekwinkel.be.

3.4. Access by third-parties

Hypotheek.winkel calls upon various external
service providers to carry out its activities. In certain cases, your personal data will therefore be processed by
persons or entities external to hypotheek.winkel. These are companies that process this data on behalf of hypotheek.winkel and
based on a processing agreement. These service providers are therefore
processors.

Hypotheek.winkel will only call upon external service providers which, in carrying out a
service agreement with hypotheek.winkel, process personal data on behalf of and on the
instructions of hypotheek.winkel, and with respect for data protection.

3.5. Serious infringements

Upon request, your data may be provided to the competent authorities (Police and Justice) in the event of serious infringements of the law.

Duration of data retention:
All personal data is kept for a period necessary to provide the service by hypotheek.winkel BVBA.

4. Right of inspection and correction

You have the right at any time, free of charge, to inspect, correct or modify your personal data by sending an e-mail to info@hypotheekwinkel.be or by letter to the address in article 1 of this Privacy & Cookie Policy, provided you enclose a copy of your identity card.

You are completely free to choose whether or not you share your personal data with hypotheek.winkel BVBA. You should be aware, however, that certain services may be refused if you do not enter your personal details on the order form and that you are solely responsible for the accuracy of the information you provide to hypotheek.winkel BVBA.

5. Right to object

You can exercise your right to object to the processing of your personal data for serious and legitimate reasons by sending an e-mail to info@hypotheekwinkel.be. However, you cannot object to the processing of your personal data if this is necessary for the performance of the contractual obligations.

6. Security and confidentiality

Hypotheek.winkel BVBA has developed security measures that are technical and organisational, designed to avoid the destruction, loss, forgery, modification, unauthorised access or accidental divulgence to third parties of the personal data collected on the Website, as well as any other unauthorised processing of personal data.

Under no circumstances can hypotheek.winkel BVBA be held liable for any direct or indirect damage resulting from incorrect or unlawful use by a third party of the personal data.

Hypotheek.winkel BVBA wishes to inform you that the Website may contain links, hyperlinks or references to other sites, which hypotheek.winkel BVBA does not check and to which this Privacy & Cookie Policy does not apply. Indeed, these sites are not managed by hypotheek.winkel BVBA. Hypotheek.winkel BVBA is not liable for the content of such websites referred to, nor for the offers, products or services mentioned on it. Hypotheek.winkel BVBA therefore recommends that you carefully read the privacy policy of each site you visit, as it may differ from this Privacy & Cookie Policy.

7. Cookies

7.1. Information about our use of Cookies

Our Website uses cookies and similar technologies to distinguish your user preferences from other users of our Website. This helps us to offer you a better user experience when you visit our Website and also lets us optimise our Website.

Cookies and similar technologies do not, however, allow the systematic gathering of data that could enable the identification of the users of our Website. They only help us to improve the functioning of our Website, to understand the interests of our users and to measure how effective the content of our Website is.

Due to recent legislative changes, all Websites targeting certain parts of the European Union are required to obtain your consent to the use or storage of cookies and similar technologies on your computers or mobile devices. This cookie policy gives you clear and comprehensive information about the cookies we use and their purpose. Please read our Privacy & Cookie Policy to become familiar with the privacy rules that apply to the Website

For further information about this Cookie Policy, you can contact us at info@hypotheekwinkel.be.

7.2. What is a cookie?

A cookie is a small text and number file that we store in your browser or on the hard drive of your computer. This way, we can remember your preferences for the use of our Website.

As soon as you visit our website, you will be asked for your permission to place the different categories of cookies that we use.

7.3. Types of cookies

Cookies can be classified according to their origin, function and duration.

First-party cookies are cookies placed by a Website that is being visited by the user at that moment (e.g. cookies placed by hypotheek.winkel).

Third-party cookies are cookies placed by another domain name than that of the Website that is being visited by the user. If a user visits a Website and a third party places a cookie via that Website, then this is a third-party cookie (e.g. cookies placed by Google, Twitter and Facebook).

Functional cookies are cookies that ensure the correct functioning of the website (e.g. cookies for login or registration, language preferences and shopping baskets). Logically, functional cookies are first-party cookies.

Non-functional cookies are cookies which may be placed for statistical, social, targeting and commercial purposes. They have nothing to do with the purely technical support of the Website. Cookies with statistical purposes enable us to track which pages of the Website you visit, where your computer is located, etc. Cookies with social purposes enable the user to share the content of the Website visited with others directly through social media. Cookies for targeting purposes allow us to create a profile based on your browsing behaviour, so that the advertisements shown are adapted to your interests. Cookies for commercial purposes record which advertisements, and how many, have been shown to the user. Non-functional cookies may be first-party or third-party cookies.

Permanent cookies: These cookies remain present on the user’s device for the duration defined in the cookie. They are activated every time the user visits the Website which placed this cookie (e.g. cookies placed by social media such as Twitter, Facebook and Google Analytics). Most non-functional cookies are permanent cookies.

Session cookies: These cookies make it possible to simplify a user’s actions and link them to each other during a browser session. A browser session starts when a user opens the browser screen and ends when the user closes the browser screen. Session cookies are placed temporarily. As soon as you close the browser, all session cookies are removed. Most functional cookies are session cookies.

7.4. Your consent

When you first visit our Website, you will be asked to accept our various types of cookies. You may change the cookie settings for our Website at any time using the hyperlink at the bottom of our website, thus revoking your consent.

You can block cookies by activating the browser setting that allows you to refuse the placement of cookies. However, if you use your browser settings to block such cookies, you may not be able to access (certain parts of) our Website. Please read this cookie policy carefully for more information.

If you wish to withdraw your consent, you must delete your cookies using your browser settings. For further information about deleting or blocking cookies, you can visit the following website: http://www.aboutcookies.org/Default.aspx?page=2.

7.5. Changing your browser settings

Please note that web browsers allow you to change your cookie settings. These settings can generally be found in the ‘Options’ or ‘Preferences’ menu of your web browser. To better understand these settings, the following links may be useful. If not, please use the ‘Help’ function in your web browser to find more details.

• Cookie settings in Internet Explorer/Edge
• Cookie settings in Firefox
• Cookie settings in Chrome
• Cookie settings in Safari

7.6. More information about cookies

Information about cookies

Further useful information about cookies can be found here: http://www.allaboutcookies.org/

Internet Advertising Bureau

The digital marketers’ association has produced a guide on online behavioural advertising and online privacy. You can find this guide here: http://www.youronlinechoices.eu/.

8. Applicable law and jurisdiction

This Privacy & Cookie Policy shall be governed by and interpreted and implemented in accordance with Belgian law, which shall exclusively apply to all disputes.

The Dutch-language courts in Brussels shall have exclusive jurisdiction over all possible disputes that could result from the interpretation or implementation of this Privacy & Cookie Policy.

9. Acceptance

By visiting the Website and, at the latest, when you request an appointment, you accept all provisions of this Privacy & Cookie Policy and you agree to the collection and processing of your personal data by hypotheek.winkel BVBA in accordance with this Privacy & Cookie Policy.