Protection of personal data

The company CAPITAL CONSEILS 2 attaches great importance to the protection of your personal data and constantly ensures compliance with regulations.

This notice aims to tell you how we use and protect your personal data, the reasons why we process your data, the retention period of your data as well as the rights you have.

It also allows you to find out more about the origin and use of the navigation information processed during your consultation of our site www.capitalconseils.net

Responsible for processing personal data:

The company CAPITAL CONSEILS 2, SAS, registered in the Paris Trade and Companies Register under number 951 556 687, located at 20, Avenue des Gentianes - Biver 13120 Gardanne, is responsible for the processing of your personal data.

Email address: contact@capitalconseils.net

Telephone: 01.46.22.02.22

Personal data used:

We collect and use your personal data as part of our activities in order to achieve a high level of personalization of the contracts and services offered.

We may collect different types of personal data about you, and in particular the following categories:

information relating to your identification (e.g. name, identity card and passport, driving license, residence permit or visa, nationality, date and place of birth, gender, identity photo, IP address);
contact details (e.g. postal address and email address, telephone number, fax number);
tax data (tax number, tax status, country of residence);
family situation (marital status, marital regime, number of children);
information relating to training and professional situation;
financial information (e.g. investor profile);
data relating to your contract (e.g.: customer identification number, contract number, means of payment, guarantees, duration, amount and reduction);
data from your interactions with us (e.g. our website, our applications, our pages on social networks, meetings, calls, emails, interviews, telephone conversations, correspondence, requests for information and documents, marketing method);
connection and traceability data (e.g. cookies, connection to online customer services, pseudonyms used when you participate in online studies, surveys and polls);
data necessary for the fight against fraud, in particular insurance, money laundering and the financing of terrorism.

We do not process any data relating to your racial origins, your political opinions, your philosophical beliefs, your trade union membership, your genetic data or your sexual orientation unless this is a legal obligation.

The personal data we use may be directly communicated by you or obtained from the following sources for the purpose of verifying or enriching our databases:

publications/databases made accessible by official authorities (e.g. the Official Journal of the French Republic);
our partners ;
third parties such as fraud prevention agencies in accordance with data protection legislation;
websites / social media pages containing information made public by you (e.g. your own website or social networks);
databases made public by third parties.

Specific cases:

We may collect information about you even though we do not have a direct relationship with you. This may be the case, for example, when your employer provides us with information about you or your contact details are provided to us if you are, for example, the beneficiary of a contract, legal representatives, corporate officers. This list is not exhaustive.

The purpose and legal basis for processing your personal data:

1. To execute your contract or to provide you with a pre-contractual analysis of your file.

We use your personal data to enter into and perform contracts, including:

provide you with information relating to the products and services that we market;
the pre-contractual analysis of your file such as, for example, the assessment of your needs and your knowledge;
assist you with subscription requests;
the subscription of the products and services that we market;
the management and execution of your contract or the product or service offered;
the management of your possible complaints.

Otherwise, we will not be able to conclude or perform the contract.

Processing carried out in accordance with the insurance code, the general regulations of the Financial Markets Authority and article 6.1.b of the General Regulations relating to data protection.

2. To comply with our legal and regulatory obligations

We use your personal data to comply with our legal and regulatory obligations, namely:

knowledge of our customers;
the fight against money laundering and the financing of terrorism;
the fight against tax fraud, compliance with tax audit and declaration obligations;
responses to official requests from duly authorized public or judicial authorities.

Processing carried out under the provisions of the Monetary and Financial Code and Articles 6.1.b and 6.1.c of the General Data Protection Regulations and NS 16 and NS 56 of the CNIL.

3. To serve our legitimate interests

We use your personal data based on our legitimate interests. Our legitimate interests are diverse and may be such as to justify the processing of your personal data, such as:

the selection and targeting of our customers, commercial animation, marketing communication (promotional operations, loyalty operations, etc.);
surveys and measurement of customer satisfaction;
commercial prospecting if you are not a customer of our company or if you are a customer of our company but the prospecting concerns products which are not similar to those to which you have already subscribed;
the proposition of adapted and personalized services: within the framework of the evolution of technologies; by improving the Customer experience; or to adapt to your needs;
the delivery of relevant and targeted advertising based on your past behavior or any other useful information;
marketing profiling, including combining data for analysis purposes;
the establishment of statistics, models or tests as part of the modeling of the award score or research and development actions;
fraud prevention, incivility management and risk management;
computer network and information security.

4. Collection of consent

If we collect and process your data for explicit purposes, for purposes other than those described above, we will inform you and if necessary ask for your consent.

5. Cookies and other trackers

To access the cookie management policy, please click on the following link:

Cookie policy

Processing carried out under the provisions of the Monetary and Financial Code and Article 6.1.f of the General Data Protection Regulation.

The recipients of your personal data:

We take all necessary precautions to preserve professional secrecy and maintain the security and confidentiality of your personal data that we have collected.

Consequently, only people authorized by us can have access to your personal data within the limits of their authorizations.

As such and in order to accomplish the aforementioned purposes, we disclose your personal data, as part of the subscription, management and execution of your contract, to our partners (insurance and reinsurance companies, insurance intermediaries , management companies, financial investment advisors, real estate developers, real estate intermediaries, intermediaries in banking operations and payment services), and/or subcontractors and/or our IT service or hosting providers.

We may also transmit your personal data to:

companies of the CAPITAL PATRIMOINE ET CONSEILS Group with which you are or enter into a contractual relationship for the purposes of updating the data collected by these companies or with a view to presenting to you products or services managed by these companies or for the study or development all types of contracts or operations;
financial, judicial authorities or state agencies, public bodies upon request and within the limits of what is permitted by regulations;
certain regulated professions such as lawyers, notaries, auditors.

International transfers:

We do not transfer your personal data to countries outside the European Union.

The duration of retention of your personal data:

The retention period of your personal data varies depending on the processing purposes. They are kept for the duration necessary for the operations for which they were collected as provided for by the standards and authorizations of the CNIL and then for the duration of the legal prescription.

The retention period of your personal data is set depending on the purpose of the processing:

Nature of data processing

Data retention period

Fight against money laundering and terrorist financing

5 years from the execution of the operation for information enabling the operation to be justified

Fight against fraud

5 years maximum from the closure of the fraud file

Management of our products and services

Legal prescription depending on the type of contract

13 months from their first deposit in the user's terminal equipment

Business development

3 years from the end of the commercial relationship for data relating to a customer, and 3 years from their collection by the data controller or contact from the prospect for data relating to a prospect

For any further clarification, you can contact the Data Protection Officer.

Security measures to protect your data:

We are committed to guaranteeing the security of your personal data and, to this end, have adopted appropriate technical and organizational means to guarantee a level of security appropriate to the risk, in accordance with current data protection legislation.

Our policy dedicated to the protection of personal data aims to avoid any access by an unauthorized third party and prevent any loss, alteration or disclosure of data.

The rights of data subjects:

In accordance with the applicable regulations, you have different rights, namely:

right of access: you can obtain information concerning the processing of your personal data as well as a copy of this personal data;
right of rectification: if you consider that your personal data is inaccurate or incomplete, you can demand that this personal data be modified accordingly;
right to erasure or right to be forgotten: you can demand the erasure of your personal data within the limits of what is permitted by regulations;
right to limitation of processing: you can request limitation of processing of your personal data;
right to portability of your data, where this right is applicable, you have the right to have the personal data you have provided to us returned to you or, where technically possible, to transfer it to a third party;
right of opposition: you can object to the processing of your personal data, for reasons related to your particular situation. You have the absolute right to object to the processing of your personal data for commercial prospecting purposes, including profiling linked to this prospecting;
right to define guidelines relating to the conservation, erasure or communication of your personal data, applicable after your death.
right to withdraw your consent: if you have given your consent to the processing of your personal data, you have the right to withdraw your consent at any time.
right to lodge a complaint with the competent supervisory authority such as the CNIL (National Commission for Information Technology and Liberties) in France.

You can exercise the above-mentioned rights by email to: contact@capitalconseils.net or by post to: CAPITAL CONSEILS 2, 5/7 rue de Monttessuy 75007 PARIS, indicating your last name, first name, contact details and providing a copy of your identity document.

Personal data – Management of subscriptions to the newsletter of the company CAPITAL CONSEILS 2 and/or companies of the Capital Patrimoine et Conseils Group

The service for sending news letters is a processing of personal data managed by the company CAPITAL CONSEILS 2.

Purpose of data processing

Purposes:

The purpose of the processing is to manage the sending of the newsletter. It allows the company CAPITAL CONSEILS 2 and/or companies of the Capital Patrimoine et Conseils Group to: manage subscriptions and produce statistics linked to the service.

Legal bases:

The legal basis for processing is the execution of pre-contractual measures (Cf. article 6.1.b of the European Data Protection Regulation) and consent (Cf. article 6.1.a) of the European Data Protection Regulation), as requires it under Article L. 34-5 of the Postal and Electronic Communications Code.

Data processed

Categories of data processed: electronic mail address (e-mail), subscription date, statistics linked to the newsletter service.
Data source

The data comes from the registration, by the person wishing to receive the news letter, of their e-mail in the registration field in the “Receive our news letter” tab.

Obligatory nature of data collection

Collecting the email address is mandatory for sending the newsletter.

Automated decision making

The processing does not provide for automated decision-making.

Persons concerned

Data processing only concerns people who wish to register on www.capitalconseils.net to receive the news letter from the company CAPITAL CONSEILS 2 and/or companies in the Capital Patrimoine et Conseils group.

Data recipients

Recipient categories:

The recipients of the data are the internal CAPITAL CONSEILS 2 departments and/or companies of the Capital Patrimoine et Conseils Group, namely: the communications department, the IT department, the compliance department, management.

Data transfers outside the EU

Personal data is subject to transfer, as part of hosting, to countries located in the European Union.

Data retention period

CAPITAL CONSEILS 2 and/or the companies of the Capital Patrimoine et Conseils Group keep the email address as long as the person concerned does not unsubscribe (via the unsubscribe link integrated into the emails sent or by sending an email to marketing@capitalconseils .net.

Security

Security measures are implemented in accordance with the information systems security policy of the company CAPITAL CONSEILS 2 and/or the companies of the Capital Patrimoine et Conseils Group.

Your rights over the data concerning you

You can access the data concerning you, object to the processing of your data, rectify it, request its erasure, withdraw your consent to the processing of your data at any time, or exercise your right to limit the processing of your data. Visit the cnil.fr website for more information on your rights.

Exercising your rights

To exercise these rights or for any questions about the processing of your data in this system, you can contact CAPITAL CONSEILS 2, Mr. Malcolm Vincent, Data Controller, 20, Avenue des Gentianes - Biver 13120 Gardanne.

If you believe, after contacting us, that your “Computer and Liberties” rights are not respected, you can send a complaint to the CNIL.

Personal data – Management of contact requests from the company CAPITAL CONSEILS 2 and/or companies from the Capital Patrimoine et Conseils Group

The contact request form is a processing of personal data managed by the company CAPITAL CONSEILS 2.

Purpose of data processing

Purposes:

The purpose of the processing is to manage contact requests.
It allows the company CAPITAL CONSEILS 2 and/or the companies of the Capital Patrimoine et Conseils Group:
Receipt of requests electronically;
The logging of requests and responses provided.

Legal bases:

Data processed

Categories of data processed:

Concerning users of the contact form: identity, contact details, subject of the request, date and number of the request, response given, date of response, history of requests.

Data source

The data is transmitted by the Internet user of the site www.capitalconseils.net who wishes to use the contact form service.

Obligatory nature of data collection

If all the data mentioned as mandatory in the contact form are not provided, the contact request cannot be processed.

Automated decision making

The processing does not provide for automated decision-making.

Persons concerned

Data processing only concerns people who wish to be contacted following a request on www.capitalconseils.net, by the company CAPITAL CONSEILS 2 and/or companies of the Capital Patrimoine et Conseils Group.

Data recipients

Recipient categories

Within the limits of their respective attributions, the recipients of the data are:

The internal services of the company CAPITAL CONSEILS 2 and/or the companies of the Capital Patrimoine et Conseils Group, namely:
The communications department,
IT services,
The advisers,
The administrative service.

Data transfers outside the EU

Personal data is subject to transfer, as part of hosting, to countries located in the European Union.

Data retention period

User requests and responses are kept for 2 years from the last contact.

Security

Security measures are implemented in accordance with the information systems security policy of the company CAPITAL CONSEILS 2 and/or the companies of the Capital Patrimoine et Conseils Group.

Your rights over the data concerning you

Exercising your rights

To exercise these rights or for any questions about the processing of your data in this system, you can contact CAPITAL CONSEILS 2, Mr. Antoine LATRIVE, Data Controller, 20, Avenue des Gentianes - Biver 13120 Gardanne.

If you believe, after contacting us, that your “Computer and Liberties” rights are not respected, you can send a complaint to the CNIL.

Personal data – Management of prospect subscriptions to commercial offers from the company CAPITAL CONSEILS 2 and/or companies from the Capital Patrimoine et Conseils Group

The service for sending commercial offers is a processing of personal data managed by the company CAPITAL CONSEILS 2.

Purpose of data processing

Purposes:

The purpose of the processing is to manage the sending of commercial offers. It allows the company CAPITAL CONSEILS 2 and/or companies of the Capital Patrimoine et Conseils Group to: manage subscriptions and produce statistics linked to the service;

Legal bases:

The legal basis for processing is consent (see article 6.1.a) of the European Data Protection Regulation), as required by article L. 34-5 of the Postal and Electronic Communications Code.

Data processed

Categories of data processed: electronic mail address (e-mail), subscription date, statistics linked to the newsletter service.

Data source:

The data comes from the registration, by the person wishing to receive commercial solicitations, of their e-mail in the registration field integrated into the “Receive our news letter” form and the “contact” form.

Obligatory nature of data collection

Collecting the email address is mandatory for sending commercial offers.

Automated decision making

The processing does not provide for automated decision-making.

Persons concerned

Data processing only concerns people who wish to register on www.plan-epargne-retraite.com to receive commercial offers from the company CAPITAL CONSEILS 2 and/or companies in the Capital Patrimoine et Conseils group.

Data recipients

Recipient categories:

The recipients of the data are the CAPITAL CONSEILS 2 internal departments and/or companies of the Capital Patrimoine et Conseils Group, namely: the CAPITAL CONSEILS 2 communications department, the CAPITAL CONSEILS 2 IT department, the CAPITAL CONSEILS 2 advisors and/or companies of the Capital Patrimoine et Conseils Group, the CAPITAL CONSEILS 2 department.

Data transfers outside the EU

Personal data is subject to transfer, as part of hosting, to countries located in the European Union.

Data retention period

CAPITAL CONSEILS 2 and/or the companies of the Capital Patrimoine et Conseils Group retain the data for a maximum period of 3 years from the last contact from the prospect.

Security

Security measures are implemented in accordance with the information systems security policy of the company CAPITAL CONSEILS 2 and/or the companies of the Capital Patrimoine et Conseils Group.

Your rights over the data concerning you

Exercising your rights

If you believe, after contacting us, that your “Computer and Liberties” rights are not respected, you can send a complaint to the CNIL.

Contact :

For any questions relating to the use of your personal data referred to in this notice, you can contact our Data Protection Officer or our Compliance and Legal Manager by post to the following address: CAPITAL CONSEILS2 by email at contact@capitalconseils .net