Please read this Privacy Policy carefully as it contains important information about who we are, how and why we collect, store, use and share your personal information, your rights in relation to your personal information, and how to contact with us in case you have a complaint.
“Personal Information” is information that identifies you or can be used for your identification.
DOM CREDIT Ltd recommends that you keep the confidentiality of your user information such as your name, personal ID, address, e-mail, IP address or any other personal information through which you may be identified by a third party in order not to take advantage of the illegal without your consent. DOM CREDIT Ltd. does not remember any personal information in a local database stored on the server of https://domcredit.bg/, so it is assumed that the risk of anyone taking advantage of your data when applying to the site is minimal. The DOM CREDIT Ltd. web site is encrypted with ssl 256 bit encryption, which enhances the security of your data. By filling in the credit application form, you agree to the terms and conditions for personal data, cookies and general conditions of DOM CREDIT LTD. DOM CREDIT LTD accepts your tacit consent for these conditions. You as a site user assume responsibility for all actions that will be taken while using this site.
Definitions:
Personal data in this policy takes into account the meaning of this term as defined in Art. 4 (1) of the EU and Council Regulation (EU) 2016/679 (the Regulation) and means any information relating to an identifiable natural person or natural person (“data subject”); an identifiable natural person is a person who can be identified, directly or indirectly, in particular by an identifier such as name, identification number, location data, online identifier or one or more signs specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that individual;
The terms “natural person”, “user”, “holder of personal data”, “data subject” and “customer” used in this policy are used in the sense of an individual who is a person of personal data within the meaning of EU Regulation 2016/679 and the Council (the Regulation).
Administrator of the personal data processed in connection with the application for mortgage loan through the web site is DOM CREDIT Ltd., UIC: 205377007, with headquarters and address of management in Sofia, 64, Vassil Levski Blvd.
The Data Protection Officer answers all questions of users regarding the processing and protection of their personal data. Any user on the Site can contact him by email at office@domcredit.bg. Data subjects whose data may be processed are natural or legal persons only for the purpose of concluding a mortgage loan from the Web site or at the office of the company.
Protection of personal data.
In order to protect against unauthorized access and distribution of personal data to clients and contractors DOM CREDIT Ltd. stores these data on specialized servers with limited physical access, using different methods for encryption of data and limitation of remote access to the database with them, and employees with access to and processing personal data are associated with it through unique identifiers. In order to increase the level of security and to eliminate the risk of unauthorized access, DOM CREDIT LTD. also uses special methods for checking whether a particular employee is at the moment in the company’s office and if he is not physically present there, his personal data access identifiers do not work and he/she cannot access the protected personal data.
We respect your privacy and in this respect we will take the necessary measures to ensure the protection of your personal data:
1. In the “domcredit.bg” website the users are only unregistered.
Unregistered users voluntarily submit their personal data such as Name, Phone Number, E-mail, IP (IP) address and other information when applying for a mortgage loan on the web site, this information is temporary and will only be used for contacting the customer to conclude a contract and will not be provided to third parties, nor will it be used for any other purpose.
2. Purposes of the processing of personal data:
– Customer data for the purposes of:
– Mortgage loan application processing;
– Execution of a contract;
– Making contact with the ordering party regarding the application for a mortgage loan;
– Send notifications about the status of the mortgage loan application;
– Providing information by email and / or services and joint promotions with partners of DOM CREDIT LTD with explicit consent of the user;
– Sending messages for the purposes of direct marketing and advertising with explicit consent from the user;
– Verification of the minimum required age of the applicant for the implementation of a mortgage loan;
– Servicing the credit application process and its recovery in case of a technical interruption, as well as for the purposes of ensuring the security of the Site and the services provided through it;
– Providing information on inspections or protection of legal interest in administrative and judicial proceedings;
– Tracking previous user applications and their status;
3. The personal data of individuals shall be processed and stored for the following deadlines:
– Data processed for the purpose of concluding and executing the mortgage loan agreement – the statutory limitation period laid down by Bulgarian law for the submission of claims;
– Data processed for accounting purposes – the accounting law and the VAT Act provided by the Bulgarian legislation.
– Data provided on the basis of consent – to its withdrawal by a written application addressed to DOM CREDIT LTD at the address of management of the company or in any other expressly specified manner permitted by law;
Upon expiry of the above deadlines, the data is deleted and can not be recovered or used anymore.
Exception: Data are not deleted but are processed only for the purpose of protecting our legal rights and interests or in fulfillment of our legal obligations if there is pending judicial, administrative and pre-trial proceedings at the expiry of that period – until it is completed.
4. Personal data rights of individuals:
– Right of access, including the right to copy the data under processing:
At any time, any individual has the right to request information about his personal data that DOM CREDIT Ltd. keeps. The request shall be respected and the data shall be provided once the person has properly identified his / her identity;
– Right to correct inaccurate personal data:
Every individual has the right to request the correction of his / her personal data if they are incorrect, including the addition of incomplete personal data. This can be done through his / her profile on the web site or by referring to DOM CREDIT LTD upon written request, after duly authenticating his / her identity;
– Right of deletion (“Right to be forgotten”) in the following cases:
– When the need for processing is dropped;
– Withdrawal of consent when processing is based on consent;
– Unlawful processing of data is detected;
– Under a legal obligation to delete the data;
The right to be forgotten is not an absolute right and may not be granted in the cases provided for by the law even after duly authenticating the identity of the data subject, in which case he will be informed immediately.
– An individual may request restriction of processing when:
– the validity of the data is questioned for the period during which its accuracy must be verified; or
– the processing of the data is without legal basis, but instead of deleting it, it requests their limited processing; or
– there is a need to process the data for the establishment, exercise or protection of legal claims of the individual; or
– an objection to the processing of the data is pending, pending verification that the reasons for the controller are lawful;
In the event of correction, erasure or limitation of processing, DOM CREDIT LTD. reports this to every recipient – the third person to whom the personal data has been disclosed, unless this is impossible or requires disproportionate effort.
– Portability of machine-readable data:
– Personal data are provided directly to their subject;
– at the request of the entity and technical possibility, the data shall be provided to another administrator of his / her choice;
– Data subject’s right to object to processing based on a legitimate interest:
– The data subject has the right to object to the processing of his or her personal data on the basis of the legitimate interest of the Administrator. DOM CREDIT Ltd. will not continue to process his or her personal data unless it can be shown that there are convincing legal bases that have priority over the interests and rights of the data subject or due to litigation and other procedural and non-procedural settlement actions of disputes / claims.
– Data subject’s right to object to direct marketing:
Every data subject has the right to object to the receipt of marketing communications, including profiling and analysis for direct marketing purposes.
– Right to appeal to the Commission for the Protection of Personal Data or to a regulatory body within the EU.
Every data subject has the right to appeal to the Personal Data Protection Commission if he/she considers that his personal data are collected, processed and stored by DOM CREDIT Ltd. unlawfully. The right of appeal is exercised at: 2, Tsvetan Lazarovstr., 1592 Sofia, Tel. +359 2 915 3580; Fax +359 2 915 3525; e-mail: kzld@cpdp.bg and through the Website: https://www.cpdp.bg
– Right to withdraw consent.
– Withdrawal of consent for direct marketing and advertising is done by sending a notification to the address for rejection, given in the direct marketing and advertising message;
Upon withdrawal of consent, the processing of the relevant personal data for the stated purposes is discontinued. Withdrawal of consent does not affect the lawfulness of the processing carried out on the basis of consent prior to its withdrawal.
The above rights are exercised by a written request in a form designated by DOM CREDIT Ltd., which can be obtained at the Administrator’s office or electronically after a query to the Data Protection Officer.
You will receive an answer to your request within one month of receipt of the written request.
5. Methods used for automated decision-making, including profiling
DOM CREDIT Ltd. does not use methods for automated decision-making or profiling. Automated making of individual solutions, including profiling, can be done by other vendors. Please be aware of their privacy policies.
6. Pursuant to LPDP, users have the right to request the information they have provided for contact even temporary to be deleted within 30 days upon their oral or written request.
7. “domcredit.bg” has the right to send information messages in the form of an e-mail to the e-mail address specified by the application by the unregistered users for additional information from the client in connection with the conclusion of a credit agreement. Consumers have the right to request that no more emails to be sent to them, by writing this in writing in the form of an e-mail or by telephone, which is located on one of the e-mails received by them.
8. “domcredit.bg” will not provide the personal data to unregistered users of third parties for advertising and promotional purposes, as well as for other reasons, unless requested by services related to the legislation of the Republic of Bulgaria.
9. In the event of non-observance of the terms of use of the “domcredit.bg” web site and violation of the label, the administrators of “domcredit.bg” have the right to restrict the access to the web site of the offenders.
10. Changes in data security policy.
DOM CREDIT LTD.’s policies for protecting the personal data of the users of the web site vary over time depending on the change of the legal framework (the applicable law) and the change in the circumstances. When such changes are required, they are published in the relevant section of the web site and all users are notified of them. In the event that a significant change in the processing of the personal data of the users is necessary, DOM CREDIT Ltd. will notify all the affected persons before the change in the policies enters into force and, where necessary, will require explicit consent of the data subjects. DOM CREDIT Ltd. reserves the right to change the current privacy policy at any time, without prior notice, and the modified personal data policy will be published on this page. Please check our privacy policy section regularly.
11. DOM CREDIT Ltd. processes customer business analysis data derived from depersonalized, anonymous data (on the basis of legitimate interest):
– Anonymized data
– Statistical information on the total number of visits to the site, use of the mortgage calculator, collected and analyzed in order to improve the services and products provided by DOM CREDIT LTD;
– Cookies and pixel tags
– DOM CREDIT Ltd collects information that may include personal data from the browser (Internet Explorer, Mozilla Firefox, Google Chrome, etc.) to visitors to the Site. Various methods, including cookies and pixel tags, are used to collect this information, which information can include an IP address, unique cookie ID, cookie information, and information about whether your browser allows the use of certain features and add-ons, a unique identifier device (HWID) type, country, browser type and language settings, operating system and system settings, country and time zone, previous visited web pages, information about the interaction of the user with the site like purchases and preferences, route and speed Click (optional), time of entry and reference addresses.
These cookies are necessary for the functioning of the site and the presentation of the information requested by the user in a correct form, which is why they are always included. These include cookies that allow the user to be remembered within one session or if the user wishes for all future sessions. They help implement the process and assist site administrators in addressing technical issues.
Cookies also allow DOM CREDIT Ltd. to analyze user behavior on the site to improve its functionality and speed. They’re also used to show each user the most relevant third-party ads. Each user can change their cookie settings at any time by using their browser’s cookie settings. DOM CREDIT Ltd. stores cookies and log files in order to personalize and improve their services.
12. “domcredit.bg” uses the Google Analytics tool to account for website visits and user behavior.
13. We bear no responsibility for damages arising from untrue or incomplete data provided by you.
14. Our electronic site may contain links to other websites or you may have come to our website via links from another website. You must know that we are not responsible for the privacy policies and practices of other websites. Such content is governed by their terms of use and by any other instructions and personal information that their websites provide.
15. When applying for a loan, you are obliged to provide accurate, correct and complete information about yourself and to renew it in good time in order to preserve it accurate, correct and complete. In case of false, inaccurate and / or incomplete information, you declare that you are fully responsible.
16. Once you have applied for a credit through the form, you have the option at any time to notify us about changes made to the form filled in the form.
17. Through the application form we collect the following type of information, on a contractual and renegotiated basis, for the purposes of processing a credit application under the Consumer Protection Act and the General Terms and Conditions of the Site ::
* Personal: Name, Surname, E-mail, Address, City, Phone, IP (IP) address and other information.
* non-personal: the browser you are using, URL, and more.
18. You agree to use part of the information to be used by domcredit.bg for connection and communication by telephone, mail or e-mail.
19. “domcredit.bg” understands the importance of the confidentiality of your personal data. Recommendations of “domcredit.bg”:
• Keep your personal information well!
• Do not share your personal information with anyone. A person who knows your personal information may take an unlawful advantage on your behalf.
• If you are using a public computer (such as a library or an Internet cafe), always make sure that you log out of your account before turning off the computer;
• Do not disclose personal information!
• Identify false emails (forgery or fraud)
Cookie Policy!
1. Cookie Policy
This policy applies to the cookies on the Dom Credit Web site, https://domcredit.bg, hereinafter referred to as Dom Credit.
2. What are cookies?
A cookie is a small size file made up of letters and numbers that will be stored on your computer, mobile device, or other user equipment used to access the Internet. The cookie is installed by the request sent by the server to a web browser (such as Internet Explorer, Chrome) and is completely “passive” (does not contain software, viruses or spyware, and does not have access to the user’s hardware information.
3. What are cookies used for?
These files make it possible to know the user’s device and to present its content in the appropriate manner adapted to user preferences. Cookies provide the user with an enjoyable internet browsing experience and help Heathy Solutions to offer consumer-friendly services such as online privacy preferences in the shopping cart or advertisements. They are also used in the preparation of anonymous statistics that help us understand how a user prefers to use our websites, allowing us to improve their structure and content, excluding the identification of the user’s personality.
4. What cookies do we use?
We use two types of cookies – per user session and fixed. The latter are temporary files that remain in the user’s device until the end of their user session or when the application (web browser) closes. Fixed files remain on the user’s device for the period that is parameterized by cookies or until they are manually deleted by the user.
5. How are cookies from this website used?
Visiting this site may create cookies for the following purposes:
• Site performance cookies;
• Cookies to analyze site visitors;
• Geo-targeting cookies;
• Mortgageloan Calculator Cookies;
• Advertising cookies;
• Advertiser cookies.
6. Do the cookies contain personal data?
By themselves, cookies do not require personal information to be used and most often do not identify the Internet users’ personality. Personal data collected when using cookies can only be collected to facilitate user use. These data are encrypted in a way that prevents unauthorized persons from accessing them.
7. Delete Cookies
In general, an app for web pages access allows you to store cookies by default. These settings can be changed so that automatic cookie control is blocked by the web browser or the user is informed whenever cookies are sent to his or her terminal. Detailed information on the options and ways of managing cookies can be found in the application settings (on the web browser). Restricting the use of cookies may affect some features of the web page.
8. Why are cookies important to the internet?
Cookies are the focal point for effective internet performance, helping to design a particular pattern of preferences and interests of each user. Disabling or disabling cookies may make some sites unusable for use.
Disabling cookies does not mean that you will no longer receive online ads, but that they will no longer appear in your account for favorites and interest collected through the browsing behavior.
Examples of important cookie roles (which do not require authentication via an account):
• Content and services tailored to user preferences – product and service categories.
• Offers tailored to user preferences – remembering passwords.
• Keeping child protection filters on Internet content (family mode option, safe search function).
• Limit the frequency of ad usage – limiting the ad’s display to a specific user on the site.
• Providing ads that would interest the user.
• Measurement, optimization, and analytics features – how to verify a level of traffic on the website, what kind of content is visualized, and how a user reaches a website (e.g., search engines, directly, other websites, etc.) . Websites develop these analyzes and their use to improve the site for the benefit of consumers.
9. Security and Confidentiality
Cookies are NOT Viruses! They use the form of plain text. They are not made up of parts of codes, so they can not be executed or executed independently. Therefore, they can not be duplicated or copied to other networks to start or replicate. Because they can not perform these functions, they can not be considered as viruses.
Cookies can still be used for negative purposes. As they store preference information, also about the user’s browsing history, both on a particular site and on most other sites, cookies can be used as a form of Spyware. Many anti-spyware softwares are unaware of this fact and consistently mark cookies to be removed during removal / scanning / anti-virus / anti-spyware procedures.
Typically, browsers have embedded privacy settings that provide different cookie acceptance, expiration and auto-delete times after the user has visited a site.
Other security aspects related to cookies:
Since privacy is extremely important and is the right of every Internet user, it is advisable to know the potential issues cookies can create. It sends constant and bidirectional information between the browser and the website, and in the event that a hacker or other unauthorized person interferes at the time the data is sent, then the information containing the cookies can be intercepted.
In rare cases, this can happen if the browser connects to the server using an unencrypted network (e.g., a wireless password-protected network).
Other types of cookie-based attacks require incorrect cookie settings on the server. If a website does not require the browser to use only encrypted channels, hackers can use this vulnerability to deceive browsers when sending information through unsecured channels. Hackers then use the information for unauthorized access to certain websites. It is very important to be careful when choosing the most appropriate personal data protection.
Tips for secure and responsible cookie-based browsing.
Due to their flexibility and the fact that most of the most visited and largest sites use cookies, the latter are almost inevitable. Deactivating cookies will not allow the user access to the most common and used sites, including Youtube, Gmail, Yahoo and others.
Here are some tips that can provide browsing without care, but with the help of cookies.
• Customize your browser settings for cookies to create an appropriate level of cookie protection.
• If you are not bothered with the use of cookies and you are the only person using the computer, you can set longer terms for leakage of storing browsing history and access to personal data.
• If you share the access to your computer with someone, you can consider the browser settings for deleting your personal data whenever you close the browser. This is the option to access sites that distribute cookies and delete any kind of information when visiting the closing session.
• Install and maintain anti-spyware applications permanently.
Many of the applications for detecting and preventing spyware include detecting attacks on sites. This prevents the browser from accessing sites that could exploit the vulnerability of the browser or download malicious software.
Ensure that your browser is always up to date.
Many of the cookie-based attacks are being exploited to exploit the weaknesses of old and outdated versions of browsers.
Cookies are everywhere and can not be avoided if you want to enjoy access to the best and greatest websites – local and international. With a clear understanding of how they operate and the benefits they bring, you can take the necessary security measures to surf the Internet.
Disabling or denying cookies can make some sites unusable or difficult to visit and use. Also, refusing to accept cookies does not mean you will no longer receive / see online ads.
It is possible to set up the browser so that these cookies are no longer accepted or you can set the browser to accept cookies only from certain sites. But, for example, if you are not registered for the use of cookies, you will not be able to leave comments.
All modern browsers offer the ability to change cookie settings. These settings are generally in “options” or in the “favorites” menu of your browser. To find these settings, you can also use the links below or use the browser’s help option for more details.
Cookie settings in Internet Explorer
Cookie settings in Firefox
Cookie settings in Chrome
Cookie settings in Safari
to set cookies from third parties you can use this website:
10. Useful Links If you want to find out more about cookies and what they use, we recommend the following links:
Microsoft Cookies guide All About Cookies
