Privacy Policy

Updated: January 1, 2025

At IDSR B.V. ("IDSR"), we are committed to maintaining the accuracy, confidentiality, and security of your personal information. This Privacy Policy describes the personal information that IDSR B.V. collects from or about you, how we use it, and to whom we may disclose that information.

Privacy Policy Effective for the Netherlands

It is IDSR B.V.'s policy to comply with the privacy legislation within each jurisdiction in which we operate. Privacy legislation and individual rights may vary across jurisdictions. This Privacy Policy covers only those activities that are subject to the laws of the Netherlands, as applicable.

This Privacy Policy has a limited scope and application. Consequently, the rights and obligations contained in this Privacy Policy may not be available to all individuals or in all jurisdictions. If you are unsure whether this Privacy Policy applies to you, please contact our Privacy Officer for more information.

What is Personal Information?

For the purposes of this Privacy Policy, personal information refers to any information about an identifiable individual, excluding business titles or business contact details when used for business communications.

What Personal Information Do We Collect?

We may collect and maintain different types of personal information from individuals with whom we interact, including:

    •Contact and identification details such as name, address, telephone number, and email address.
     •Information related to products and services we provide to or receive from you.
     •Financial and credit-related details, including employment history, income sources, assets, liabilities, credit             history, and payment preferences.
     •Business relationship details, including agreements, preferences, feedback, and decision-making contacts.

Additionally, we may collect your personal information in relation to financial services you seek from us, such as recommendations for credit cards, loans, or other financial products that align with your needs based on the information you provide.

We may also gather market-related information, including personal data, related to industry trends, financial details, and strategic business planning. This may include interactions with investors, analysts, and advisors.

At times, we may receive personal information from third-party service providers working with us. Where applicable, we will take reasonable steps to ensure that these third parties have the legal right to disclose such information.

Where permitted or required by law, we may collect personal information without your knowledge or consent.

Privacy and Our Website

You can visit our website without revealing your identity or any personal details. However, our web server may automatically collect information regarding your visit, such as:

     •IP address and domain used to access our website.
     •Browser type and version.
     •Referral website.
     •Entry and exit pages.
     •Pages viewed by your IP address and country of origin.

This information is used to analyze website performance and improve user experience.

If you voluntarily provide personal information through our website (e.g., via the "Contact Us" form or by emailing us), we may use the email address provided to send you relevant information. You may opt out of such communications at any time using the unsubscribe instructions provided in our emails or on our website.

Our Website and Cookies

When you visit our website, we may place a "cookie" on your device to enhance your experience. Cookies help us identify returning visitors and tailor website content accordingly.

Most web browsers accept cookies by default. However, you can adjust your browser settings to notify you before a cookie is placed, or to block cookies altogether. Please note that disabling cookies may impact website functionality.


Managing Cookies and Privacy Settings

     •Blocking cookies in your browser: Most browsers allow you to remove or reject cookies. Check your                  browser settings for instructions.
     •Blocking advertising IDs on mobile devices: Your mobile device settings may enable you to limit the use
      of advertising IDs for personalized ads.
     •Using privacy-focused browsers or plugins: Privacy-focused browsers (e.g., Brave) and browser plugins          can help block tracking cookies and enhance online privacy.

Third-Party Websites

Our website may contain links to third-party websites that have separate privacy practices. IDSR B.V. is not responsible for the privacy policies or actions of such third parties. We encourage you to review their privacy policies before sharing any personal information.

Why Do We Collect Personal Information?

IDSR B.V. collects personal information to manage, maintain, and develop our business and operations, including:

     •Establishing and maintaining our relationship with you to provide or receive products and services, including           financial product recommendations.
     •Conducting credit checks, when necessary, in collaboration with our third-party partners.
     •Evaluating our products and services to better meet your needs.
     •Sending promotional or relevant materials, subject to compliance with applicable laws.
     •Complying with your communication preferences (e.g., preferred contact method).
     •Preventing fraud, theft, and unauthorized access.
     •Ensuring compliance with legal and regulatory obligations.
     •Any other purposes with your consent.

For further information or questions about our Privacy Policy, please contact us at:
IDSR B.V.
Steenweg 76, 6131HL, Sittard, The Netherlands
Email: info@idsr.eu

How Do We Use and Disclose Your Personal Information?

We may use or disclose your personal information:
for the purposes described in this Privacy Policy (including, for the purposes of IDSR B.V. and/or our third-party business affiliates performing a credit check on you to confirm your financial situation and your initial and ongoing eligibility for the products and services that you have requested); and for any additional purposes for which we have obtained your consent to the use or disclosure of your personal information. In addition, we may use or disclose your personal information without your knowledge or consent where we are permitted or required by applicable law or regulatory requirements to do so.

When do we Disclose Your Personal Information?

We may share your personal information with our employees, contractors, consultants, and other parties who require such information to assist us with managing our relationship with you, including: third parties that assist IDSR B.V. in the provision of services to you and third parties whose services we use to conduct our business.

Such third parties may include lenders and dealerships who may wish to provide you with goods or services. They may also include related parties who process and store your personal information for us.

For example, our third-party service providers may provide certain information technology, data processing, and advertising/marketing, and call center services to us from time to time so that we may operate our business, and as a result, your personal information may be collected, used, processed, stored, or disclosed in the United States of America, Canada, and in Europe (including the United Kingdom and Russia), India, or Asia (including China). As a result, your personal information may be used, stored, or accessed in other countries and may be subject to the laws of those countries. For example, information may be disclosed in response to valid demands or requests from government authorities, courts, or law enforcement agencies in those countries.

Where you have requested us to do so (either expressly or by your actions), we may share your personal information with persons who may consider you and/or your application for a loan, credit card, or other product or service. In connection with this, IDSR B.V. and/or our third-party business affiliate may perform a credit check on you to confirm your financial situation and your initial and ongoing eligibility for the products and services you have requested.

In addition, personal information may be disclosed or transferred to another party during the course of, or completion of, a change in ownership of or the grant of a security interest in, all or a part of IDSR B.V. or its affiliates through, for example, an asset or share sale, or some other form of business combination, merger, or joint venture, provided that such a party is bound by appropriate agreements or obligations and required to use or disclose your personal information in a manner consistent with the use and disclosure provisions of this Privacy Policy unless you consent otherwise.

Further, your personal information may be disclosed:

as permitted or required by applicable law or regulatory requirements; to comply with valid legal processes such as search warrants, subpoenas, or court orders; as above, in order to administer or service your aim to obtain credit with one or more third parties; to protect the rights and property of IDSR B.V.; during emergency situations or where necessary to protect the safety of a person or group; or with your consent.

Your Consent is Important to Us

It is important to us that we collect, use, or disclose your personal information where we have your consent to do so. Depending on the sensitivity of the personal information, your consent may be implied, deemed (using an opt-out mechanism), or express. Express consent can be given orally, electronically, or in writing. Implied consent is consent that can reasonably be inferred from your action or inaction. For example, when you enter into an agreement with us, we will assume your consent to the collection, use, and disclosure of your personal information for purposes related to the performance of that agreement and for any other purposes identified to you at the relevant time.

Typically, we will seek your consent at the time that we collect your personal information. In certain circumstances, your consent may be obtained after collection but before our use or disclosure of your personal information. If we plan to use or disclose your personal information for a purpose not previously identified (either in this Privacy Policy or separately), we will endeavor to advise you of that purpose before such use or disclosure.

As we have described above, we may collect, use, or disclose your personal information without your knowledge or consent where we are permitted or required to do so by applicable law or regulatory requirements.

Choice/Opt-Out

You may change or withdraw your consent at any time, subject to legal or contractual obligations and reasonable notice, by contacting our Privacy Officer using the contact information set out below. All communications with respect to such withdrawal or variation of consent should be in writing and addressed to our Privacy Officer.

In certain circumstances, the withdrawal of consent may render us unable to continue to provide products or services where the collection, use, or disclosure of your personal information is necessary to provide the product or service.

We assume that, unless you advise us otherwise, you have consented to the collection, use, and disclosure of your personal information as explained in this Privacy Policy.

How is Your Personal Information Protected?

IDSR B.V. endeavors to maintain physical, technical, and procedural safeguards that are appropriate to the sensitivity of the personal information in question. These safeguards are designed to prevent your personal information from loss and unauthorized access, copying, use, modification, or disclosure.

The security of your personal information is important to us. Please advise our Privacy Officer immediately of any incident involving the loss of or unauthorized access to or disclosure of personal information that is in our custody or control.

Contact Information:
IDSR B.V. Address: Steenweg 76, 6131BH, Sittard, The Netherlands Email: info@idsr.eu

Updating Your Personal Information

It is important that the information contained in our records is both accurate and current. If your personal information happens to change during the course of our relationship, please inform our Customer Care department of this change. If our Customer Care department is unable to help you, please contact our Privacy Officer using the contact information below.

In some circumstances, we may not agree with your request to change your personal information and will instead append an alternative text to the record in question.

Access to Your Personal Information

You can ask to see your personal information. If you want to review, verify, or correct your personal information, please contact our Customer Care department, and if our Customer Care department is unable to help you, please contact our Privacy Officer using the contact information below. Please note that any such communication must be in writing.

When requesting access to your personal information, please note that we may request specific information from you to enable us to confirm your identity and right to access, as well as to search for and provide you with the personal information that we hold about you. We may charge you a fee to access your personal information; however, we will advise you of any fee in advance. If you require assistance in preparing your request, please contact our Customer Care department. If our Customer Care department is unable to help you, please contact our Privacy Officer using the contact information below.

Your right to access the personal information that we hold about you is not absolute. There are instances where applicable law or regulatory requirements allow or require us to refuse to provide some or all of the personal information that we hold about you. In addition, the personal information may have been destroyed, erased, or made anonymous in accordance with our record retention obligations and practices.

In the event that we cannot provide you with access to your personal information, we will endeavor to inform you of the reasons why, subject to any legal or regulatory restrictions.

NOTICE TO CALIFORNIA RESIDENTS

We are required by the California Consumer Privacy Act of 2018 ("CCPA") to provide to California residents an explanation of how we collect, use, and share their personal information, and of the rights and choices we offer California residents regarding our handling of their personal information (the "Notice").

California law provides California residents with the following privacy rights:
     •Access personal information: Individuals exercising this right may request access to the categories and              specific pieces of their personal information we have collected in the prior 12-month period.

     •Disclosure: Individuals exercising this right can receive additional information regarding the sources from              which we collect information, the purposes for which we collect and share personal information, the                        information of theirs we hold, and the categories of parties with whom we share their information.

     •Deletion: Individuals exercising this right can ask us to delete their personal information we have collected,             though we may be permitted to retain personal information for certain purposes.

     •Non-Discrimination: Users may freely exercise these rights without fear of being denied goods or services.

     •"Opt Out" of Sales: As permitted by applicable law, we may share your personal information for monetary or        other valuable consideration (under California law, this is considered a "sale"). You may opt out of such a                "sale" of your personal information to third parties. You can exercise your right to opt out by emailing our                 Privacy Officer as per below.

Contact Information: IDSR B.V.
Address: Steenweg 76, 6131BH, Sittard, The Netherlands
Email: info@idsr.eu

CCPA Scope and Exclusions

The description in this Notice of our Privacy Practices and your Privacy Rights apply only to California residents whose interactions with us are limited to:

     •Visiting our consumer websites,
     •Signing up for email alerts,
     •Commenting on or contributing to our blogs,
     •Establishing an account that may or may not include financial products or services, or
     •Applying for our job openings on our websites or third-party sites (however, note that the CCPA does not                extend Privacy Rights to job applicants).

The description in this Notice of our Privacy Policies and CCPA Privacy Rights do not apply to the personal information we collect, use, or disclose about:

     •Consumers who initiate or complete the process of applying for financial products or services. This is                       because this information is subject to the federal Gramm-Leach-Bliley Act ("GLBA") and implementing                     regulations, or the California Financial Information Privacy Act ("FIPA").

     •Representatives of businesses that seek to obtain our products or services, or to provide products or services        to us. Please note that the CCPA limits these rights by, for example, prohibiting us from providing certain                sensitive information in response to an access request and limiting the circumstances in which we must                  comply with a deletion request. We will also respond to requests for information and access only to the extent        we are able to associate with a reasonable effort the information we maintain with the identifying details you          provide in your request. If we deny your request, we will communicate our decision to you.

You are entitled to exercise the rights described above free from discrimination.

How to Submit a Request

By Email to: info@idsr.eu
By Mail to:
IDSR B.V.
Steenweg 76
6131BH, Sittard, The Netherlands
Attention: Privacy Officer

Identity Verification

The CCPA requires us to verify the identity of the individual submitting a request to access or delete personal information before providing a substantive response to the request. We will ask you to verify your identity when you submit a request.

Authorized Agents

California residents can empower an "authorized agent" to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.

Inquiries or Concerns?

If you have any questions about this Privacy Policy or concerns about how we manage your personal information, please contact our Customer Care department by telephone, in writing, or by e-mail. We will endeavor to answer your questions and advise you of any steps taken to address the issues raised by you. If our Customer Care department is unable to help you, please contact our Privacy Officer using the contact information below. If you remain dissatisfied with our response, you may be entitled to make a written submission to the Privacy Commissioner in your jurisdiction.

Privacy Officer

We have appointed a Privacy Officer to oversee compliance with this Privacy Policy. The contact information for our Privacy Officer is as follows:

By Email to: info@idsr.eu
By Mail to:
IDSR B.V.
Steenweg 76
6131BH, Sittard, The Netherlands
Attention: Privacy Officer

Revisions to this Privacy Policy

IDSR B.V. may, from time to time, make changes to this Privacy Policy to reflect changes in its legal or regulatory obligations or in the manner in which we deal with your personal information. We will post any revised version of this Privacy Policy on our website and encourage you to refer back to it on a regular basis.

Interpretation of this Privacy Policy

Any interpretation associated with this Privacy Policy will be made by our Privacy Officer. This Privacy Policy includes examples but is not intended to be restricted in its application to such examples. Therefore, where the word 'including' is used, it shall mean 'including without limitation'.

This Privacy Policy does not create or confer upon any individual any rights or impose upon IDSR B.V. any obligations outside of, or in addition to, any obligations imposed by federal and state privacy laws, as applicable. Should there be, in a specific case, any inconsistency between this Privacy Policy and USA federal and state privacy laws, as applicable, this Privacy Policy shall be interpreted, in respect of that case, to give effect to, and comply with, such privacy laws.