Privacy Policy – EXPRESS HELP

1. Introduction

This privacy policy describes how EXPRESS HELP collects, uses, retains and protects the personal data of users of its website and services. By using our services, you accept the practices described in this policy.

2. Data Controller

The data controller is:

• Company name: EXPRESS HELP
• Registered office: Tasca D'Lyon. Rua dos Sapateiros 90, Lisbon, Portugal
• Contact: +351 924 723 958 – contact@express-help.site

3. Data collected

We may collect the following categories of data:

• Identification data: last name, first name, date of birth, nationality;
• Contact details: email address, phone number, postal address;
• Financial data: income, professional situation, requested loan amount;
• Connection data: IP address, cookies, browsing logs;
• Supporting documents: ID, proof of address, payslips.

4. Purposes of processing

Your data is processed for the following purposes:

• Management of loan applications and creditworthiness assessment;
• Customer relationship management and support;
• Fraud prevention and anti-money laundering;
• Compliance with legal and regulatory obligations;
• Improvement of our services and statistics;
• Marketing communication (with your consent).

5. Legal basis for processing

The processing of your data is based on:

• Performance of the loan contract;
• Compliance with legal obligations;
• Your explicit consent;
• Our legitimate interest (fraud prevention, security).

6. Retention period

Your personal data is retained for the time necessary to fulfil the purposes described, plus legal limitation periods. As a general rule:

• Customer data: 5 years after the end of the contractual relationship;
• Prospecting data: 3 years from the last contact;
• Connection data: 13 months maximum.

7. Data sharing

Your data may be shared with:

• Our financial and banking partners;
• Administrative or judicial authorities upon legal request;
• Our technical service providers (hosting, payment, analytics);
• Fraud prevention organizations.

We never sell your personal data to third parties.

8. Your rights

In accordance with the GDPR, you have the following rights:

• Right of access: obtain a copy of your data;
• Right to rectification: correct inaccurate data;
• Right to erasure: request deletion of your data;
• Right to restriction: restrict processing;
• Right to object: object to processing;
• Right to portability: receive your data in a structured format.

To exercise these rights, contact us at: contact@express-help.site.

9. Data security

EXPRESS HELP implements appropriate technical and organizational measures to protect your data against unauthorized access, loss, alteration or disclosure. These measures include encryption of communications, access control and system monitoring.

10. Cookies

Our website uses cookies to ensure its operation, measure audience and improve your experience. You can change your preferences at any time via the cookie management banner or your browser settings.

11. International transfers

Your data may be transferred to countries outside the European Union. In this case, we ensure that appropriate safeguards are in place in accordance with the GDPR.

12. Changes to the policy

We reserve the right to modify this policy at any time. Changes will take effect upon publication on the site. We invite you to consult it regularly.

13. Contact and complaints

For any questions regarding this policy or to exercise your rights, you can contact us at: contact@express-help.site. You also have the right to lodge a complaint with the competent data protection authority.