Privacy Policy
Last updated: September 25, 2024
1.- Responsible
José Selles Salvá (hereinafter, the “Service”) with address at Av. del Gran i General Consell, 9, 1ro A, Distrito Centro, 07004 Palma, Balearic Islands, Spain, is the owner of the website www.joseselles.com, and responsible for the processing of personal data provided by users through this website in compliance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 (hereinafter, “GDPR”).
DNI: 43227698A
OVB Partner Number: 721573
Phone: 660 845 921
E-mail: josep.selles@ovb.es
2.- Acceptance
The acceptance of the Privacy Policy of the Service is a necessary condition for the use of our website.
This Privacy Policy governs the collection, processing and use of your personal and non-personal information as a user of the Service, as of the effective date shown in the heading. It also indicates the conditions of use of the website and its functions.
In processing your personal data, the Service complies with current local and European legislation, as well as its implementing regulations.
Description and Use of the Service
The Service provides banking advice and intermediation, mortgage loans, savings and investment services.
4. Data Processing
The personal and non-personal information collected will change depending on your use of the website and its features.
Personal and non-personal information collected will come to us in three ways: 1) information collected automatically, 2) information you voluntarily provide to us, and 3) information provided to us by third parties.
4.1.- Automatically collected data
This information will consist of:
- That collected through cookies or similar mechanisms stored on your device, always with your consent. See our Cookie Policy for more information.
- The IP from which the connection is made, the type of device used and its characteristics, the operating system version, the type of browser, the language, the date, the country, the time of the request, the referrer URL or the mobile network used, among others.
- Site usage data and possible errors detected during use, such as pages not found or erroneous visualizations.
- In addition, the Service uses Google Analytics, an analytics service provided by Google LLC domiciled in the United States with headquarters at 1600 Amphitheatre Parkway, Mountain View, California 94043. For the provision of these services, they use cookies that collect information, including the user’s IP address, which will be transmitted, processed and stored by Google on the terms set out on the website www.google.com. Including the possible transmission of such information to third parties for reasons of legal requirement or where such third parties process the information on behalf of Google.
In any case, you can disable Google Analytics cookies from here.
4.2.- Voluntarily provided data
This information will consist of:
- Personal information or not that may be contained in the messages sent through the contact channels established by the Service, for example, your name and surname, e-mail, telephone number and comment or message.
- Personal information or not that may be contained in the messages sent through the appointment booking channels established by the Service, for example, your name and surname, email, telephone number, number of persons and message.
- Personal information or not that may be contained in the messages sent through the contact forms, for example, your name and surname, email, telephone, schedule, days of class, among others.
- The personal information required to subscribe to our Newsletter such as your email address.
4.3.- Those provided by third parties
This information will consist of:
- That provided by social networks or similar services.
5.- Purpose and Legitimacy of Processing
The Service will use the data collected to:
- Manage and update the service (the legal basis being our legitimate interest in keeping and maintaining the service up to date and in good condition).
- To attend your requests, responding to requests and inquiries made through our website, phone, email and/or whatsapp (being the legal basis our legitimate interest in responding and resolving the queries of our users).
- Manage the request for a pre-contract, execute the formalized contract (the legal basis being your consent or our legitimate interest based on the previous contractual relationship, as the case may be).
- Contact the interested party to provide the contracted and/or required service (the legal basis being your consent).
- To carry out commercial prospecting of products or services, when the interested party gives express consent for this purpose (the legal basis being your consent).
- To be able to make the corresponding reservation (the legal basis being your consent).
- To send you by e-mail our newsletter with information and promotional offers (the legal basis being your consent or our legitimate interest based on the previous contractual relationship, as the case may be).
You will be able to unsubscribe from them from the email you receive or by contacting us. However, you will not be able to unsubscribe from certain correspondence from us, such as messages regarding the security of your data or the terms and conditions of the Service.
- Manage the calculation of insurance premiums (the legal basis being your consent).
- To provide the Service if it is finally contracted (the legal basis being the contract).
- To perform the corresponding invoicing if the Service is finally contracted (being the legal basis the contract).
- To maintain the security of the Service, investigate illegal activities, enforce our terms and conditions and assist law enforcement agencies in their investigations (the legal basis being our legitimate interest in ensuring and maintaining the security of the Service and its users).
In addition, the Service may use users’ personal and non-personal information in the form of aggregated and anonymous data for display to third parties. It may also share statistics and demographic information about users and their use of the Service with third parties. None of this will allow those third parties to identify you personally.
The Service does not use automated individual decisions.
5.1.- In mails and contact forms
The site’s website has TLS encryption that allows users to securely submit their personal data through standard contact forms.
The personal data collected will be subject to automated processing and incorporated into the corresponding files of the register of activity and of which the Service is the owner.
In this sense:
- We will receive your IP, which will be used to check the origin of the message in order to provide you with appropriate recommendations (e.g. to present the information in the correct language) and to detect possible irregularities (e.g. possible attempts to cyber-attack the Service), as well as data concerning your ISP.
- You can also provide us with your data by e-mail.
5.2.- In social networks
We have profiles on some of the major social networks on the Internet, and the Service is responsible for the processing in relation to the data published on them (for example, photos uploaded by the Service in which people’s faces appear).
These data will be treated as the social network allows corporate profiles. Therefore, we will be able to inform, when the law does not prohibit it, our followers by any means that the social network allows about its activities or offers, as well as provide personalized customer service.
In no case do we extract data from social networks, unless the user’s consent to do so is obtained in a timely manner and expressly.
When, due to the nature of social networks, exercising your rights depends on the modification of your profile, we will help and advise you to the best of our ability.
Service providers and others
There are third parties that manage part of the Service.
They are required by the Service to comply with this Privacy Policy to the extent applicable to them and they shall have their own. However, the Service shall not be responsible for their compliance with such policy.
Under some circumstances, the Service may share, use, preserve or disclose Personal Information with third parties on a non-aggregated basis:
- To provide the Service:
Service providers who perform functions on our behalf, such as web hosting, statistical monitoring or web development. These service providers may collect and have access to information that is necessary for them to perform their functions, but are not permitted to share or use the information for any other purpose.
- To cooperate with the competent authorities:
If we believe it is reasonably necessary to satisfy any law, legal process or legitimate interest. In any case, we will only provide information that is strictly required.
7.- Data retention period
The following is an indication of how long the data processed by the Service is retained:
- Disaggregated data will be retained with no time limit for deletion.
- Customer data will be retained as little as necessary, and may be kept until:
- 5 years, according to art. 1964 of the Civil Code (personal actions without special term).
- 6 years, according to art. 30 of the Commercial Code (accounting books or invoice, for example).
- Data related to mortgage management and other related data will be retained for a period of ten years after the provision of the service in application of the regulations for the prevention of money laundering.
- User data uploaded by the Service to pages and profiles on social networks will be retained from the time the user gives consent until it is withdrawn.
- The data of newsletter subscribers will be retained from the time the user gives his consent until he withdraws it.
8.- Security measures
The Service takes all necessary technical and organizational measures to protect the security and integrity of personal and non-personal information collected. Both against unauthorized access and against accidental alteration, loss or destruction.
In any case, the Service cannot guarantee the absolute security of the information collected, so you must cooperate and use common sense at all times about the information shared.
You understand and acknowledge that, even after deletion, personal and non-personal information may remain visible in cache or if other users have copied or stored it.
9.- Rights
We inform you that the completion of the forms is voluntary. However, if you do not fill in the mandatory fields (marked with a required or asterisk) the use of some functions of the site will not be possible or will be limited.
The personal data you provide will be incorporated and will be processed in the files owned by the Service, in order to be able to respond to your requests.
You may at any time exercise your rights of access, rectification, deletion, limitation of processing, opposition and portability of your personal data by sending an e-mail to: josep.selles@ovb.es or to the postal address: av. del Gran i General Consell 9, 1º A, CP 07004, Palma de Mallorca, Balearic Islands, Spain.
In both cases you must identify yourself with your name and surname, and perhaps with a copy of your ID card or national ID, if necessary. The exercise of these rights does not imply any cost.
In the event that you have given consent for a specific purpose, you have the right to withdraw your consent at any time, without affecting the lawfulness of the processing based on the consent prior to its withdrawal.
In addition, if you feel that there is a problem with the way we are handling your data, you can direct your complaints to the appropriate data protection authority, being the Spanish Data Protection Agency the one indicated in the case of Spain.
10.- Contact
If you have any questions about this Privacy Policy, please contact us at:
E-mail: josep.selles@ovb.es
Address: av. del Gran i General Consell 9, 1º A, CP 07004, Palma de Mallorca, Balearic Islands, Spain.
11.- Upgrades
The Service reserves the right to make unannounced changes it deems appropriate in its website, may change, delete or add content and services provided through this as well as the way in which they are presented.
In addition, these terms and conditions may change at any time. The modifications will be effective from the moment of their publication.
