Privacy Policy

Introduction

Solira GmbH ("we", "our", or "us") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our credit brokerage services or visit our website at solira.world.

Data Controller

Solira GmbH is the data controller for the personal data we process. You can contact us using the contact information provided at the end of this policy.

Data We Collect

The data we collect includes personal information you provide directly to us and information automatically collected when you use our services:

• Personal Information: Name, email address, phone number, postal address, date of birth, and identification documents
• Financial Information: Income details, employment information, credit history, bank statements, and other financial documents
• Technical Data: IP address, browser type, device information, and website usage data
• Communication Data: Records of our correspondence and interactions with you

How We Use Your Information

We use your personal data for the following purposes, based on legitimate business interests and legal obligations:

• To provide credit brokerage services and process your applications
• To assess your creditworthiness and match you with suitable lenders
• To communicate with you about your applications and our services
• To comply with legal and regulatory requirements
• To improve our services and website functionality
• To prevent fraud and ensure security of our systems

Legal Basis for Processing

Under GDPR, we process your personal data based on the following legal grounds:

• Contract Performance: To fulfill our credit brokerage services
• Legitimate Interests: To operate our business, improve services, and prevent fraud
• Legal Obligation: To comply with financial regulations and anti-money laundering laws
• Consent: For marketing communications and certain data processing activities

Data Sharing and Disclosure

We may share your personal data with the following parties:

• Lenders and Financial Institutions: To process your credit applications
• Credit Reference Agencies: To assess your creditworthiness
• Regulatory Bodies: When required by law or regulation
• Service Providers: Third-party companies that assist in delivering our services
• Legal Authorities: When required by court order or legal process

Cookies and Tracking Technologies

We may use cookies and tracking technologies for analytics, advertising, and remarketing purposes, including Google Ads. These technologies help us measure campaign effectiveness, deliver relevant advertisements, and improve our services. You can manage your cookie preferences at any time through our cookie consent banner. For more detailed information, please see our Cookie Policy.

Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this policy. Generally, we keep your data for the duration of our business relationship and for up to 7 years afterwards to comply with legal and regulatory requirements. Some data may be retained longer if required by law or for legitimate business purposes.

Your Rights

Under GDPR, you have the following rights regarding your personal data:

• Access: Request access to your personal data
• Rectification: Request correction of inaccurate or incomplete data
• Erasure: Request deletion of your personal data in certain circumstances
• Restriction: Request limitation of processing in certain situations
• Portability: Request transfer of your data to another organisation
• Objection: Object to processing based on legitimate interests
• Withdraw Consent: Withdraw consent for processing where applicable

Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These measures include encryption, secure servers, access controls, and regular security assessments. However, no method of transmission over the internet is 100% secure.

International Data Transfers

We may transfer your personal data to countries outside the European Economic Area (EEA) when necessary for our services. When we do so, we ensure appropriate safeguards are in place, such as adequacy decisions, standard contractual clauses, or other approved transfer mechanisms.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal data from children. If we become aware that we have collected personal data from a child, we will take steps to delete such information.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will notify you of any material changes by posting the updated policy on our website and updating the "Last updated" date.

Contact Information

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us:

Supervisory Authority

You have the right to lodge a complaint with a supervisory authority if you believe we have not complied with data protection laws. In Germany, you can contact the relevant state data protection authority or the Federal Commissioner for Data Protection and Freedom of Information (BfDI).