Privacy Policy

1. Data Controller

The data controller responsible for your personal data is:

A.B.S. Global Factoring AG
Mainzer Straße 97
65189 Wiesbaden, Germany
Email: info@abs-ag-fn.it.com
Phone: +49 (611) 977 10 0

2. Personal Data We Collect

We may collect the following categories of personal data:

• Identity Data: Name, title, company name, job title
• Contact Data: Email address, phone number, postal address
• Financial Data: Bank account details, payment history, credit information
• Technical Data: IP address, browser type, operating system, device information
• Usage Data: Information about how you use our website and services
• Communication Data: Records of your communications with us

3. How We Collect Your Data

We collect personal data through:

• Direct Interactions: You provide data when you fill out forms, contact us, or use our services
• Automated Technologies: As you interact with our website, we automatically collect Technical and Usage Data through cookies
• Third Parties: We may receive data from credit reference agencies, business partners, or publicly available sources

4. Purpose and Legal Basis for Processing

We process your personal data for the following purposes:

• Service Provision: To provide factoring and financing services (contractual necessity)
• Communication: To respond to your inquiries and provide customer support (legitimate interest)
• Compliance: To comply with legal and regulatory obligations (legal obligation)
• Marketing: To send you relevant information about our services (consent or legitimate interest)
• Improvement: To analyze and improve our website and services (legitimate interest)

5. Data Sharing

We may share your personal data with:

• Service Providers: IT, payment, and professional service providers who process data on our behalf
• Business Partners: Credit agencies, debt collection partners, and financial institutions
• Regulatory Authorities: Where required by applicable law or regulation
• Group Companies: Other entities within the A.B.S. Group for internal business purposes

6. International Transfers

We may transfer your data to countries outside the European Economic Area (EEA). When we do, we ensure appropriate safeguards are in place, such as Standard Contractual Clauses (SCCs) or adequacy decisions by the European Commission.

7. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes for which we collected it, including legal, accounting, or reporting requirements. Typically, financial records are retained for 10 years as required by German commercial and tax laws.

8. Data Security

We have implemented appropriate security measures to protect your personal data from unauthorized access, alteration, disclosure, or destruction. These include encryption, access controls, and regular security assessments.

9. Your Rights

Under the GDPR, you have the right to: access your data, rectify inaccurate data, erase your data, restrict processing, data portability, object to processing, and withdraw consent at any time. To exercise these rights, contact us at info@abs-ag-fn.it.com.

10. Automated Decision-Making

We may use automated decision-making processes for credit assessment and risk evaluation. You have the right to request human intervention, express your point of view, and contest automated decisions.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be notified through our website or by direct communication.

12. Contact and Complaints

If you have any concerns about how we handle your data, please contact us first. You also have the right to lodge a complaint with the competent supervisory authority: Hessischer Beauftragter für Datenschutz und Informationsfreiheit.