Kosmar srl

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PRIVACY POLICY

1. Introduction

KOSMAR S.R.L., registered under number BE1010.082.675, with its registered office at VIALE VINCENZO LILLA 36, 72021 FRANCAVILLA FONTANA (BR), Italy, is committed to protecting the personal data of its clients and visitors to its website.

This privacy policy explains how KOSMAR S.R.L. collects, uses, and protects your personal data in accordance with the General Data Protection Regulation (GDPR) and applicable Italian and European data protection laws.

2. Data Controller

The data controller is KOSMAR S.R.L.
For any question relating to data protection, you may contact us at:

📩 Email: contact@kosmarsrl.com
📬 Postal address: VIALE VINCENZO LILLA 36, 72021 FRANCAVILLA FONTANA (BR), Italy

3. Data Collected

We collect and process the following types of personal data:

  • Identification data: name, surname, date of birth, nationality, ID number

  • Contact details: email address, phone number, postal address

  • Banking and financial data: bank account number, income, transactions, loans

  • Browsing data: IP address, cookies, site navigation history

  • Professional data: job title, company, employment status

4. Purposes of Data Processing

Your personal data is collected for the following purposes:

  • Managing your account and loan contracts

  • Executing financial and brokerage operations

  • Preventing fraud, money laundering, and terrorist financing

  • Complying with legal and regulatory obligations

  • Improving our services and user experience

  • Sending commercial and promotional information (with your consent)

5. Legal Basis for Processing

The processing of your data is based on several legal grounds:

  • Contract performance: managing your financial services and loans

  • Legal obligations: complying with applicable laws

  • Legitimate interests: fraud prevention and service improvement

  • Consent: for sending marketing and promotional offers

6. Data Recipients

Your personal data may be shared with:

  • Internal departments of KOSMAR S.R.L.

  • Administrative and judicial authorities, when required by law

  • Service providers and subcontractors acting on our behalf

  • Other companies within the KOSMAR S.R.L. group, for administrative or communication purposes

  • Banks and financial institutions, in the case of transactions or transfers

7. Data Transfers Outside the European Union

Some processing may require data transfers to countries outside the European Union. In such cases, we ensure that appropriate safeguards are in place in accordance with the GDPR (e.g., EU Standard Contractual Clauses, adequacy decisions, or equivalent legal mechanisms).

8. Data Retention Period

Your personal data will be retained as follows:

  • 5 years after the end of the contractual relationship (in compliance with financial regulations)

  • 10 years for accounting and financial documents

  • 3 years after last contact for marketing purposes

  • 13 months for cookies and tracking technologies

9. Data Security

We implement appropriate technical and organizational measures to ensure the security and confidentiality of your data, including:

  • Encryption of sensitive information

  • Restricted access to personal data

  • Monitoring and detection of unauthorized access

  • Regular backups of databases

10. Your Rights

Under the GDPR and applicable data protection laws, you have the following rights:

  • Right of access: obtain a copy of your data

  • Right to rectification: correct inaccurate data

  • Right to object: oppose certain types of processing

  • Right to erasure: request deletion of your data under certain conditions

  • Right to data portability: receive your data in a structured, machine-readable format

  • Right to restriction: limit the use of your data under specific circumstances

📩 To exercise your rights, please contact us at: contact@kosmarsrl.com

If you believe your rights are not being respected, you may file a complaint with the competent data protection authority (e.g., www.garanteprivacy.it).

11. Use of Cookies

Our website uses cookies to enhance the user experience. You can manage your preferences through your browser settings.

Types of cookies used:

  • Essential cookies: necessary for the proper functioning of the site

  • Analytics cookies: used to measure audience and performance

  • Marketing cookies: used to deliver targeted advertisements

12. Changes to the Privacy Policy

This policy may be updated at any time. The date of the latest update is indicated at the bottom of the document.

We recommend checking this page regularly to stay informed about any changes.