Cookie Policy

This Cookie Policy, together with the Privacy Policy, contains information on the processing of personal data of persons using the Website by Kredyt Direct Debit S.A. on the terms set out in the Terms of Service and is an integral part of it.

The policy defines the legal basis for the processing, the purpose and methods of collecting and using personal data by Cookies, storage mechanisms, file reading as well as the method of controlling Cookies and the possibility of deleting them.

The policy ensures the User’s rights and the manner of exercising them.

By ensuring data security, we have implemented policies, procedures and training systems that ensure adequate data protection by ensuring their confidentiality, integrity and availability. We regularly check the implemented technical and organizational measures in terms of their adequacy to the observed risk.

I.  DEFINITIONS

• Outsourcing – websites of partners, service providers or recipients cooperating with the Administrator, in which the Service Provider posts content related to its activities, e.g. Facebook, LinkedIn, Instagram or uses their support to provide the Services.
• Website / Data Administrator – the Website Administrator and the Data Administrator (hereinafter referred to as the Administrator) an entity that independently or jointly with others determines the purposes and methods of processing personal data.
• User – a natural person for whom the Administrator provides Services electronically via the Website and in some cases also via the External Service, also referred to as the Service Recipient.
• Device – an electronic device with software through which the User gains access to the Website.
• Cookies – text data collected in the form of files placed on the User’s Device.
• „Personal data”– means any information relating to an identified or identifiable natural person (‘data subject’); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.
•  Processingshall mean an operation or set of operations which are performed on personal data or sets of personal data in an automated or non-automated manner, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.
• Consent the consent of the data subject means any freely given, specific, informed and unambiguous indication of the data subject’s wishes by which he or she, by a statement or by a clear affirmative action, signifies agreement to the processing of personal data relating to him or her.

II.  GENERAL PROVISIONS

• The Administrator of the Website and the Administrator of personal data collected via the website www.kredytinkaso.pl is Kredyt Inkaso S.A. with its registered office in 02-676 Warsaw, ul. Postępu 21B, entered into the business register under the nip number: 922-25-44-099, REGON: 951078572,
• Please contact kontakt@kredytinkaso.pl with your doubts and requests regarding the will to exercise your rights.
• Personal data is processed in accordance with the provisions of Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation) and in accordance with the Act of 10 May 2018 on the protection of personal data.

III.  TYPES OF COOKIES

• Internal Cookies – files uploaded and read from the User’s Device by the Website’s ICT system.
• External cookies – files placed and read from the User’s Device by the ICT systems of external Services using the services used by the Service Administrator. Scripts of external websites that may place cookies on the User’s Devices have been consciously placed on the Website through scripts and services made available and installed on the Website in order for the Website to function properly or download statistical data.
• Session cookies – files placed and read from the User’s Device by the Service during one session of a given Device. After ending the session the files are deleted from the User’s Device.
• Persistent cookies – files placed and read from the User’s Device by the Service until they are manually deleted. The files are not automatically deleted after the session ends, unless the configuration of the Device is set to delete Cookie files after each session of the Device.

IV.  DATA SAFETY

• Mechanisms for storing, reading and exchanging data between Cookies stored on the User’s Device and the Website are implemented through the built-in mechanisms of web browsers and do not allow for downloading other data from the User’s Device or data of other websites visited by the User, including personal data or confidential information. It is virtually impossible to transfer viruses, trojans or other worms to the User’s Device.
• Internal Cookies – Cookies used by the Administrator are safe for the User’s Devices and do not contain scripts, content or information that may threaten the security of personal data or the security of the Device used by the User.
• External cookies – The Administrator performs all possible activities in order to verify and select the partners of the website in the context of User security. The administrator selects known, large partners with global social trust for cooperation. However, it does not have full control over the content of cookies from external partners, i.e. Facebook, Linkedin.
• The User may, at any time, independently change the settings for saving, deleting and access to data of the stored Cookie files.
• The user may at any moment delete all Cookie files installed so far, by using the tools included in the User’s Device used by the User to access the Service.
• Information on how to disable cookies in the most popular computer browsers is available at:
  • Manage cookies in Chrome
  • Managing cookies in your Opera browser
  • Manage cookies in FireFox
  • Manage cookies in Edge browser
  • Managing cookies in Safari
  • Managing cookies in Internet Explorer 11
• Deleting or restricting the use of Cookies may cause some functions of the Website to malfunction. The Administrator is not responsible for improperly functioning functions of the Website in the event of limiting the ways in which the User saves and reads Cookies.
• The Administrator ensures that he/she makes every effort to ensure that the processed personal data entered voluntarily by the Users is secure, access to them is limited and implemented in accordance with their purpose and purposes of processing. The Administrator also ensures that he/she makes every effort to protect the data held against their loss, by applying appropriate physical and organizational safeguards.
• The Administrator on the Website uses scripts and web components of partners who can place their own Cookies on the User’s Device. Please note that in the settings of your browser you can decide on the permitted Cookies that can be used by individual websites. The following is a list of partners or their services implemented on the Website, which may place Cookies:
  • Google Ads
  • Pixel Facebook
  • LinkedIn
  • Instagram
  • Google Analytics
  • Yandex
  • Metrica
  • Heap Analtyics
  • Push
• Services provided by third parties are beyond the Administrator’s control. These entities may change their terms of service, privacy policy, the purpose of data processing and the use of Cookies at any time.

V.  PURPOSE OF USING COOKIES

• The Website Administrator uses Cookies in order to:
  • Streamlining and facilitating access to the Website,
  • Customization of the Website for Users,
  • Promote your brand,
  • Keeping statistics.
  • Provision of community services.

VI.  METHOD OF DATA PROCESSING

• Personal data provided voluntarily by the User will not be transferred outside the European Union, unless it was published as a result of individual action of the User (e.g. entering a comment or an entry in social media), which will make the data available to any person visiting an external website.
• The legal basis for the personal data collected by Cookies is art. 6 it. 1 letter a of the GDPR, as the User has consented to the processing of his/her personal data when using the Website.
• The data collected by Cookies are generally processed until the consent is withdrawn by deleting them from the User’s Device. In some situations, the data is processed until the moment of using the Website and after that time it is deleted.
• Access to the collected data by means of Cookies may be held by entities responsible for maintaining the infrastructure and services necessary to run the website, i.e. a hosting company – providing hosting services or similar services for the Administrator, IT companies – providing services of the website or other similar services for the Administrator.

VII.  ACCESS TO DATA

• Access to the collected data by means of Cookies may be held by entities responsible for maintaining the infrastructure and services necessary to run the website, i.e.; a hosting company – providing hosting services or similar services for the Administrator, IT companies – providing services of the website or other similar services for the Administrator.