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Legal information

The purpose of this policy on the use and management of cookies (hereinafter the "Cookie Policy") is to provide information on the use and management of cookies on the www.paxfamilia.com website (hereinafter the "Site"). It is addressed to any person visiting and using the Site (hereinafter the "User").

By visiting and using the Site, the User expressly agrees with the policy on the use and management of cookies described below. PaxFamilia handles data obtained from cookies in accordance with its Privacy Policy, also accessible on the Site.

What is a cookie?

A "cookie" is a data or text file that the server of a site stores temporarily or permanently on the User's equipment (computer hard disk, tablet, smartphone, or any other similar device) through his browser. Cookies can also be installed by third parties with whom PaxFamilia collaborates.

Cookies retain a certain amount of information, such as visitors' language preferences or the contents of their shopping cart. Other cookies collect statistics about the users of a site or ensure that graphics appear correctly and that applications work well on the Site. Other cookies allow the content and/or advertising of a Site to be tailored to the user.

Why do we use cookies?

PaxFamilia uses cookies in order to improve the use and functionalities of its Site, to analyse the way Internet users use the Site and to establish statistics. Some of these cookies are indispensable to the functioning of the Site, others allow us to improve the User's experience.

What types of cookies do we use?

The Website uses different types of cookies: 

Strictly necessary cookies: these are cookies that are essential to the functioning of the Site, allowing good communication and intended to facilitate navigation; 

Functional cookies: these cookies enable the activation of specific functionalities on the Site in order to improve the user experience and user friendliness, in particular by memorising the choice of user preferences (e.g. language);

Performance cookies: these cookies collect information about how visitors use the Site. They enable us to evaluate and improve the Website's content and performance (for example, by counting the number of visitors, identifying the most popular pages or clicks), and to monitor the Website via Google Analytics, in order to help PaxFamilia measure how users interact with the Website's content, and which generates visit statistics in a strictly anonymous manner. These statistics allow PaxFamilia to continuously improve the Website and offer the user relevant content. PaxFamilia uses Google Analytics to have an overview of the traffic on the Website, the origin of this traffic and the pages visited. The information collected by Google Analytics is generated as anonymously as possible. It is not possible, for example, to identify the persons visiting the Website. For further information, the user is invited to consult the Google data protection policy, available at the following address: http://www.google.nl/intl/en_uk/policies/privacy/

Targeting cookies: these are cookies designed to collect data relating to the profile of visitors and which may be installed or read by third parties with whom the Data Controller collaborates in order to measure the effectiveness of an advertisement or web page and to better adapt it to the interests of the user. Commercial cookies do not contain personal data.

For more information on the types of cookies, you can consult the following page: www.allaboutcookies.org.

The storage period of cookies varies according to their type: essential cookies are generally stored until the browser is closed, while functional cookies remain valid for 1 year, performance cookies for 4 years and targeting cookies for 2 years.

PaxFamilia authorizes public search engines to visit the Site via 'spiders' with the sole purpose of making the access and content of the Site accessible via their search engines, without PaxFamilia granting the right to archive the Site. PaxFamilia reserves the right to withdraw at any time the authorization as formulated in this article.

How can the User manage cookies?

Most browsers are configured to automatically accept cookies, but all of them allow you to customize the settings according to the User's preferences.

If the User does not want the Site to place cookies on their computer / mobile device, they can easily manage or delete them by changing their browser settings. The User can also program his browser to send him a notice when he receives a cookie and thus decide whether or not to accept it.

If the User wishes to block and/or manage certain cookies, they can do so by following the link linked to their browser :

http://windows.microsoft.com/en-us/windows-vista/block-or-allow-cookies;

https://support.google.com/accounts/answer/61416?hl=en ;  

https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences

http://support.apple.com/kb/PH5042

https://support.microsoft.com/en-us/microsoft-edge/delete-cookies-in-microsoft-edge-63947406-40ac-c3b8-57b9-2a946a29ae09 .

Note that in the hypothesis that some cookies are disabled by the user, some core functionalities of the website will not be available.

1. Who processes your personal data?

1.1 Guisquare SA, a limited liability company under Belgian law, having its registered office at Cours Saint-Michel 30a, 1040 Etterbeek (Belgium) and registered with the Crossroads Bank for Enterprises under company number 0678.616.849 (the "Company", "we", "us", "our") processes personal data relating to users of PaxFamilia (the "Software"), representatives of its clients, representatives of its suppliers, candidates for work with the Company, visitors to its workplaces and other persons concerned (the "persons concerned", "you", "your").

1.2 This privacy policy (the "Policy") applies to any processing by the Company of your personal data.

2. What is our commitment to data protection?

2.1 The Company undertakes to use its best efforts to ensure that its personal data processing activities comply with applicable data protection legislation, including EU Regulation 2016/679 on the protection of individuals 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) (the "GDPR") and the Law of 30 July 2018 on the protection of individuals with regard to the processing of personal data, as amended, supplemented or replaced from time to time (the "Applicable Data Protection Legislation").

3. For what purposes do we process your personal data?

3.1 If you are a data subject (i.e. any person concerned by data processing carried out through the Software), we process the following categories of personal data, in particular for the purposes described below:

- Your personal identification data, your telephone number and your e-mail address to identify you on the Software ;

- Your family composition to feed a family structure ;

- Your financial and patrimonial data to complete the patrimonial and donation inventory and to feed our financial projection tool, our reporting tool and our inheritance simulator ;

- Your personal data included in the files (for example, contracts or certain official documents concerning yourself) for secure hosting in the Software's digital safe.

3.2 If you are a user of the Software, we process the following categories of personal data, in particular for the purposes described below:

- Your personal identification data, telephone number and e-mail address, to create your user profile on the Software ;

- Your telephone number and e-mail address to enable our support team to contact you for support activities or to contact you for marketing and/or transactional communications;

- Your electronic identification data to authenticate you on the Software, for the activation, suspension and withdrawal of user accounts and for the detection and prevention of fraud and computer security breaches;

- Your bank details to check the payment of invoices related to your use of the Software (only insofar as you are also a Software subscriber).

3.3 If you are the representative of one of our customers or prospects, we process your personal identification data, your professional identification data and your contact data (telephone number, email address, etc.) to contact you for the provision of our services, to send you order forms, to organise business meetings or to develop our business relationship. 

3.4 If you are a representative of one of our suppliers, we process your personal identification data, your professional identification data and your contact data (telephone number, email address, etc.) for the management of our business relationship.

3.5 If you are a candidate for a job with the Company, we process your personal identification data, professional identification data and data relating to your professional life (skills, qualifications, experience, etc.), to assess your profile in relation to our recruitment needs.

3.6 If you visit our website, we process electronically identifying data about you in the aggregate to measure frequency on our website, to improve the browsing experience and for the detection and prevention of fraud and computer security breaches.

3.7 If you visit our workplaces, we are able to request access to images of you recorded by surveillance cameras only where such access is necessary to pursue our legitimate interest in detecting offences or incivilities and to the extent permitted by applicable law.

3.8 We may also process your personal data:

- To carry out company restructuring operations;

- For the performance of internal and external audits ;

- For the management of disputes with customers, suppliers and other data subjects and when the processing is necessary for the establishment, exercise or defence of a legal claim.

3.9 The Company does not subject data subjects to decisions based exclusively on automated processing that produces legal effects concerning them or affects them in a similarly significant way.

4. In what capacity do we process your personal data?

4.1 We process your personal data in the capacity of data controller, with the exception of processing that we carry out when we provide the Software to clients in the context of their wealth and financial management consulting activities. In this case, we process your personal data (in particular personal identification data, telephone number, e-mail address, postal address, bank details, identification data, family composition and financial and asset data of the data subjects and/or users as well as the personal data of the data subjects contained in the files saved in the Software) in the capacity of processor on behalf of our clients and in accordance with their instructions.

4.2 However, we process in our capacity as data controller the electronic identification data of users for the purposes of authenticating them on the Software, for the activation, suspension and withdrawal of their accounts and for the detection and prevention of fraud and computer security breaches.

5. On what basis do we process your personal data?

5.1 The provision of your personal data may be necessary: 

- To the execution of a contract to which you are a party (for example, the contract for the supply of the Software) or to the execution of pre-contractual measures taken at your request (for example, in the event of solicitation for work with our human resources team) ;

- Compliance with a legal obligation applicable to the Company (e.g. invoicing, fraud detection, building security, taxation, etc.) ;

- For the purposes of the legitimate interests pursued by the Company (or a data recipient) provided that these interests take precedence over your fundamental rights and freedoms (for example, if the processing takes place in the context of securing our IT systems, carrying out corporate restructuring operations, etc.).

5.2 We ask for your prior, free and informed consent before processing some of your personal data (e.g. the use of photographs of you for corporate communications, the use of your email address for marketing purposes if you are not yet a user with us, etc.).

5.3 The provision of certain of your personal data (e.g. your personal identification data, your professional identification data, etc.) is a condition for the conclusion of the contract concluded with us for the supply of the Software.

5.4 The possible consequences of not providing your personal data could include our inability to fulfill our obligations under a contract (for example, the contract for the supply of the Software) or a breach by us of one or more obligations under applicable legislation (for example, accounting and tax legislation).

6. Where does your personal data come from?

6.1 The personal data we process comes from the following sources:

- Users of the platform ;

- Directly from you ;

- From publicly available information (on the Internet).

7 Who has access to your personal data?

7.1 The following recipients may receive or have access to some of your personal data (only if necessary for the performance of their tasks):

- The customer support team has access to the personal identification data, professional identification data and contact data of Software users only in the context of their support operations. Members of our support team do not have access to the assets and financial data of the persons concerned;

- The business development team has access to the personal identification data, business identification data and contact data of representatives of our customers or prospects and representatives of our suppliers only for the purposes of our business management and supplier management ; 

- Our legal advisers and lawyers have access to certain personal data of the persons concerned in the context of corporate restructuring operations or litigation.

- Our accountants and auditors have access, within the framework of their mission, to financial data (including invoices) which may include personal data of representatives of our clients and suppliers.

7.2 Our subcontractors may process certain personal data concerning you only to the extent necessary to carry out their tasks in accordance with Applicable Data Protection Legislation.

7.3 In the case of a corporate reorganization transaction (e.g. a merger, acquisition or financing transaction), we may transfer certain personal data about representatives of our customers and suppliers to a third party involved in the transaction (e.g. a buyer or investor) in accordance with Applicable Data Protection Legislation.

8. How do we manage our subcontractors?

8.1 We take adequate measures to ensure that our contractors process your personal data in accordance with Applicable Data Protection Legislation.

8.2 Among other things, we ensure that our subcontractors undertake to process personal data only on our instructions, not to engage another subcontractor without our prior consent or without having had the opportunity to object, and to take the appropriate technical and organisational measures to guarantee the security of personal data, to ensure that persons authorised to access personal data are subject to adequate obligations of confidentiality, to return and/or destroy the personal data they process at the end of their services, to comply with audits and to provide us with assistance in following up on requests from data subjects to exercise their rights in relation to their personal data.

9. Where do we process your personal data?

9.1 We host users' personal data exclusively on servers located in the European Economic Area ("EEA").

9.2 Some of the recipients of personal data may be companies whose registered office is located in a country outside the EEA such as, for example, the United States.

9.3 The Company will not transfer Personal Data to a Third Country unless :

(i) there has been an adequacy decision made by the European Commission in respect of that Third Country in accordance with Applicable Data Protection Legislation and the transfer falls within the scope of that adequacy decision, or

(ii) the Subscriber and/or the Company has entered into an agreement with the entity located in a Third Country containing standard data protection clauses as approved by the European Commission or by another competent public authority in accordance with Applicable Data Protection Legislation (to the extent necessary, the Subscriber authorises the Company to enter into such agreement in the name and on behalf of the Subscriber). The Company shall ensure that it implements all appropriate measures to ensure an essentially equivalent level of protection of Personal Data in the Third Country compared to the level of protection in the European Economic Area. The Company will terminate any transfer in respect of which an essentially equivalent level of protection of Personal Data cannot be guaranteed.

9.4 If you would like more information about the Company's safeguards for transfers of personal data outside the EEA, please contact our Data Protection Officer using the contact details set out in the Policy.

10. What are the applicable retention periods?

10.1 We ensure that your personal data is only kept for as long as is necessary for the purposes for which it is processed.

10.2 The Company uses the following criteria to determine the length of time personal data is kept according to the context and purposes of each processing operation:

- The date on which the licence to use the Software or services provided by the Company expires;

- The date of the end of the relationship with the customer or supplier ;

- Security reasons (e.g. security of buildings or our information systems);

- Any current or potential dispute or litigation with the person concerned ;

- Any legal obligation to retain or delete personal data (e.g. a retention obligation imposed by an accounting or tax law).

11. What are your rights?

11.1 Subject to Applicable Data Protection Legislation, you have a right to information, a right of access to, correction of and deletion of your personal data, a right to object to or limit the processing of your personal data, a right to portability of personal data and a right to withdraw your consent.

11.2 You will find below a table describing each of your rights in more detail:

- The right to information

You have the right to obtain clear, transparent and comprehensible information on how we process your personal data and on the exercise of your rights. This information is contained in the Policy. If it is not clear enough, we invite you to contact us (via our contact details in the Policy).

- The right of access 

You have the right to obtain confirmation as to whether or not personal data concerning you are being processed and, if so, access to such personal data. You have the right to obtain a copy of your personal data, unless the exercise of this right infringes the rights and freedoms of others.

- The right of rectification 

You have the right to obtain the rectification of your personal data if they prove to be inaccurate. You also have the right to obtain the completion of your personal data if it proves to be incomplete.

- The right to erasure (the "right to forget")

You have the right to obtain the deletion of your personal data. However, the right to erasure (or the "right to forget") is not absolute and is subject to specific conditions. We may retain some of your personal data to the extent permitted by applicable law, and in particular where processing remains necessary to comply with a legal obligation to which the Company is subject or to establish, exercise or defend a legal claim. 

- The right to object to processing

You have the right to object to certain types of processing (e.g. where the processing is based on the legitimate interests of the Company and, taking into account your particular circumstances, your interests or fundamental rights and freedoms prevail).

- The right to object to processing for canvassing purposes

You have the right to object at any time to the processing of your personal data when we process this data for canvassing purposes.

- The right to limitation of processing

You have the right to obtain the limitation of the processing in certain circumstances (e.g. when the Company no longer needs your personal data but they are still necessary for the establishment, exercise or defence of a legal claim).

- The right to the portability of personal data

You have the right, in certain circumstances, to receive the personal data concerning you that you have provided to the Company in a structured, commonly used and machine-readable format and to pass it on to another controller.

- The right to withdraw your consent

If you have given your consent to the Company's processing of your personal data, you have the right to withdraw it at any time.

11.3 Please note that you may only exercise your rights vis-à-vis the Company to the extent that we process your personal data in the capacity of data controller. We will forward to the relevant controller any request to exercise your rights in relation to your personal data if such request relates to a processing operation for which we act in a processing capacity.

11.4 Please address any request relating to your rights in relation to your personal data that we process in our capacity as data controller to our Data Protection Officer using the contact details provided in the Policy. We undertake to deal with your request as soon as materially possible and always within the time limits provided for by the Applicable Data Protection Legislation. Please note that we may retain your personal data for certain purposes where required or permitted by law. Please note that if we have any doubts about your identity, we may ask you for proof of identity to prevent unauthorised access to your personal data.

12. What level of security do we provide?

12.1 We take appropriate technical and organisational measures to ensure a level of security appropriate to the risks associated with the processing of your personal data. 

12.2 We undertake to maintain at all times during your use of the Software appropriate technical and organisational measures to guarantee the security, confidentiality and integrity of your personal data. More specifically, we take appropriate measures to prevent the occurrence of any security incident. In this regard, we undertake, in particular, to (i) maintain secure access to PaxFamilia through a double authentication factor or any other authentication system that meets the applicable security standards; and (ii) encrypt/encrypt your personal data (in transit and/or on disk) to the extent provided in accordance with the applicable security standards.

13. Do you have any questions or complaints?

13.1 Should you have any questions or complaints about the way in which the Company processes your personal data, please address them in advance to the Data Protection Officer by email at GDPR@paxfamilia.com or by post to Guisquare SA, Cours Saint-Michel 30a, 1040 Etterbeek (Belgium).

13.2 You have the right to lodge a complaint with the competent supervisory authority. The competent authority for Belgium is :

Data Protection Authority

Rue de la Presse 35, 1000 Brussels

+32 (0)2 274 48 00

contact@apd-gba.be

14. Anything else?

14.1 The Company reserves the right to update the Policy from time to time. We will notify you of any changes we make to the Policy.

14.2 In the event of a conflict or inconsistency between a provision of the Policy and a provision of another Company policy or document relating to the processing of personal data, the provision of the Policy shall prevail.