Privacy policy
Obligation to inform GDPR
Web users / email / POTENTIAL CLIENTE
Additional information:
As part of compliance with art. 13 and 14 of Regulation (EU) 2016/679 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 27 April 2016 on the protection on natural person regarding the processing of personal data and the free circulation of such data and which repeals Directive 95/46/EC (General Data Protection Regulation), we hereby provide details of the obligation to inform, already mentioned in the main information:
1.- DATA CONTROLLER
The data controller is:
CONSULTORIA FINANCIERO ACTUARIAL, hereinafter the organisation.
Tax Identification Number: B-61642906
Registered office address: Avinguda Josep Tarradellas 38 – 08029 – Barcelona
Email address: info@quibus.es
2.- PURPOSE OF PROCESSING
In the organisation we process the information that users provide us to:
1. Manage the contractual relationship consisting of the provision of the service.
2. Respond to requests received.
4. Conduct market studies and compile statistics.
5. Manage potential incidents.
6. Keep you informed by email or any other equivalent means about all the products or services for which you have requested information.
3.- STORAGE PERIOD
Personal data will be stored while there is a connection with the organisation. At the end of this period, the personal data processed for each of the purposes indicated will be stored for the legally foreseen periods or for the period of time that a judge or court may require them, considering the limitation period for legal action. In the absence of this legal period, it will be until the interested party requests the erasure of the data or withdraws their consent.
The data requested in the contact forms are mandatory data. If you do not provide them, we cannot deal with your request, as the system itself will detect this and inform you that your message has not been sent.
5.- RECIPIENTS OF DATA DISCLOSURES OR TRANSERS
No data disclosures are foreseen.
We also inform you of the existence of Data Processors, whose lawful basis for processing is the execution of the contract of the assignment and with whom the corresponding contract on third party access to data will be signed. Due diligence is also applied when choosing only processors who offer sufficient guarantees that they will use the appropriate technical and organisational measures, in order for the processing to comply with the requirements of the Regulation.
Furthermore, no international data transfers are planned, either by disclosure or by processing order.
6.- RIGHTS OF INTERESTED PARTIES
The users have the right to access their personal data, as well as to obtain, without undue delay from our side, the rectification of any inaccurate personal data that concerns them or to complete any personal data that are incomplete, including by means of an additional declaration.
Likewise, we hereby inform you that you can request the erasure of your data when, among other reasons:
a) the personal data are no longer necessary in relation to the purposes for which they were collected or otherwise processed;
b) the user withdraws the consent on which the treatment is based;
c) the user objects to the processing of their data;
d) the user senses or has received information that the personal data have been processed illegally;
e) the personal data need to be erased in order to comply with a legal obligation established in under a law of the European Union or its Member States which applies to the data controller;
In the following circumstances, you may request the restriction of the processing of your data:
a) when the user challenges the accuracy of the personal data, during a period that allows the controller to verify the accuracy of these data;
b) when the processing is unlawful, and the user opposes erasure of their personal data and requests the restriction of its use instead;
c) When the organisation: no longer needs the personal data for processing purposes, but the user needs them to establish, exercise or defend a legal claim;
d) when the user has objected to the processing of their data, while verification is made as to whether the controller’s legitimate grounds override those of the interested party.
The data provided by the web user is based on consent, whereby consent may be withdrawn at any time without retroactive effects.
To exercise any of these rights or to withdraw consent, you can do so by sending an email to info@quibus.es
Finally, we hereby inform you that if we do not answer within the time limit to any of your requests or you do not agree with our answer, you can contact the Spanish Data Protection Agency and request the enforcement of your rights.
Business clients, public administration, auditors and insurance companies
Additional Information:
As part of compliance with art. 13 and 14 of Regulation (EU) 2016/679 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 27 April 2016 on the protection on natural person regarding the processing of personal data and the free circulation of such data and which repeals Directive 95/46/EC (General Data Protection Regulation), we hereby provide details of the obligation to inform, already mentioned in the main information:
1.- DATA CONTROLLER
The data controller is:
Financial Consulting Actuarial, S.L.P., hereinafter the organisation.
Tax Identification Number: B-61642906
Registered office address: C / Baixada de Blanes, 3 – 08023 – Barcelona
Email address: info@quibus.es
2.- PURPOSE OF THE PROCESSING
In the organisation we process the information provided by clients for the purposes of:
1. Managing the contractual relationship consisting of the provision of the service:
– Actuarial, financial, economic and taxation consultancy and advice.
– Issuance of actuarial opinions.
– Actuarial and financial valuations.
– Analysis of pension commitments, investments, premium rates and insurance fees.
– Actuarial function of the entity.
– Reviewer of the financial and solvency report of the entity.
– Study of mobilisations of funds of retirement insurance contracts and pension schemes.
– Actuarial and financial calculations.
– Valuation in accordance with national and international accounting standards.
– Drafting notes for financial statements.
– Calculation of state Social Security benefits.
– Drafting of modifications of regulations for foundations, pension schemes, insurance contracts and collective agreements.
– Calculations of compensation in negotiations with workers’ representatives to eliminate salary concepts or modify collective agreements.
– Improvement of methods and application of productivity incentives.
– Analysis and accounting measurement of costs.
– Certification with or without interpretation of balance sheets, entries, accounts, statements, review and verification of balance sheets and profit and loss accounts.
– Analysis and planning of investments.
– Technical assistance in relation to the Public Administration and Autonomous Agencies.
– Advice or representation of private interests in organisations of all kinds, when the presence of experts in economy from the company or the actuary are legally required.
2. Conducting market studies and compiling statistics.
3. Managing possible incidents.
4. Managing administrative procedures and communications that may arise from the contractual relationship.
5. No profile of your browsing history will be generated, therefore no automated decision-making will be based on this.
6. Being able to perform accounting, fiscal and administrative management arising from the service.
3.- STORAGE PERIOD
Personal data will be stored while there is a connection with the organisation. At the end of this period, the personal data processed for each of the purposes indicated will be stored for the legally foreseen periods or for the period of time that a judge or court may require them, considering the limitation period for legal action. In the absence of this legal period, it will be until the interested party requests the erasure of the data or withdraws their consent.
4.- LAWFULNESS OF PROCESSING
The main legal basis for the processing of your data is the execution of the contract for the provision of the services requested.
Only necessary and required information is requested to be able to provide the service. If this are not provided, the requested service may not be provided.
5.- RECIPIENTS OF DATA DISCLOSURES OR TRANSERS
No data disclosures are foreseen.
We also inform you of the existence of Data Processors, whose lawful basis for processing is the execution of the contract of the assignment and with whom the corresponding contract on third party access to data will be signed. Due diligence is also applied when choosing only processors who offer sufficient guarantees that they will use the appropriate technical and organisational measures, in order for the processing to comply with the requirements of the Regulation.
Furthermore, no international data transfers are planned, either by disclosure or by processing order.
6.- RIGHTS OF INTERESTED PARTIES
Clients have the right to access their personal data, as well as to obtain, without undue delay from our side, the rectification of any inaccurate personal data that concerns them or to complete any personal data that are incomplete, including by means of an additional declaration.
Likewise, we hereby inform you that you can request the erasure of your data when, among other reasons:
a) the personal data are no longer necessary in relation to the purposes for which they were collected or otherwise processed;
b) the client senses or has received information that the personal data have been processed illegally;
c) the personal data need to be erased in order to comply with a legal obligation established in under a law of the European Union or its Member States which applies to the data controller;
In the following circumstances, you may request the limitation of the processing of your data:
a) when the client challenges the accuracy of the personal data, during a period that allows the controller to verify the accuracy of these data;
b) when the processing is unlawful, and the client opposes erasure of their personal data and requests the restriction of its use instead;
c) When the organisation: no longer needs the personal data for processing purposes, but the client needs them to establish, exercise or defend a legal claim;
In certain circumstances and for reasons related to their situation, the interested parties may object to the processing of their data. The organisation will stop processing the data, except for compelling legitimate reasons, or the exercise or defence of possible legal claims.
The data provided for the advertisement of our services is based on consent, whereby consent may be withdrawn at any time without retroactive effects or you may exercise the right to object to the processing of your data for these purposes.
To exercise any of these rights or to withdraw consent, you can do so by sending an email to info@quibus.es
Finally, we hereby inform you that if we do not answer within the time limit to any of your requests or you do not agree with our answer, you can contact the Spanish Data Protection Agency and request the enforcement of your rights.
Obligation to inform GDPR
Private clients and lawyers
Additional Information:
As part of compliance with art. 13 and 14 of Regulation (EU) 2016/679 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 27 April 2016 on the protection on natural person regarding the processing of personal data and the free circulation of such data and which repeals Directive 95/46/EC (General Data Protection Regulation), we hereby provide details of the obligation to inform, already mentioned in the main information:
1.- DATA CONTROLLER
The data controller is:
CONSULTORIA FINANCIERO ACTUARIAL, hereinafter the organisation.
Tax Identification Number: B-61642906
Registered office address: Avinguda Josep Tarradellas 38 – 08029 – Barcelona
Email address: info@quibus.es
2.- PURPOSE OF PROCESSING
In the organisation we process the information that users provide us for the purposes of:
1. Managing the contractual relationship consisting of the provision of the service:
– Actuarial, financial, economic and taxation consultancy and advice.
– Issuance of actuarial opinions.
– Actuarial and financial valuations.
– Issuance of expert opinions on insurance and financial products.
– Calculation of state Social Security benefits.
– Calculation of Spanish compensation scale for road traffic accidents.
– Technical assistance in relation to the Public Administration and Autonomous Agencies.
– Advice or representation of private interests in organisations of all kinds, when the presence of experts in economy from the company or the actuary are legally required.
2. Conducting market studies and compiling statistics.
3. Managing possible incidents.
4. Managing administrative procedures and communications that may arise from the contractual relationship.
5. No profile of your browsing history will be generated, therefore no automated decision-making will be based on this.
6. Being able to perform accounting, fiscal and administrative management arising from the service.
3.- STORAGE PERIOD
Personal data will be stored while there is a connection with the organisation. At the end of this period, the personal data processed for each of the purposes indicated will be stored for the legally foreseen periods or for the period of time that a judge or court may require them, considering the limitation period for legal action. In the absence of this legal period, it will be until the interested party requests the erasure of the data or withdraws their consent.
4.- LAWFULNESS OF PROCESSING
The main legal basis for the processing of your data is the execution of the contract for the provision of the services requested.
Only necessary and required information is requested to be able to provide the service. If this are not provided, the requested service may not be provided.
5.- RECIPIENTS OF DATA DISCLOSURES OR TRANSERS
No data disclosures are foreseen.
We also inform you of the existence of Data Processors, whose lawful basis for processing is the execution of the contract of the assignment and with whom the corresponding contract on third party access to data will be signed. Due diligence is also applied when choosing only processors who offer sufficient guarantees that they will use the appropriate technical and organisational measures, in order for the processing to comply with the requirements of the Regulation.
Furthermore, no international data transfers are planned, either by disclosure or by processing order.
6.- RIGHTS OF INTERESTED PARTIES
Clients have the right to access their personal data, as well as to obtain, without undue delay from our side, the rectification of any inaccurate personal data that concerns them or to complete any personal data that are incomplete, including by means of an additional declaration.
Likewise, we hereby inform you that you can request the erasure of your data when, among other reasons:
a) the personal data are no longer necessary in relation to the purposes for which they were collected or otherwise processed because the execution of the provision of services has ended;
b) the client senses or has received information that the personal data have been processed illegally;
c) the personal data need to be erased in order to comply with a legal obligation established in under a law of the European Union or its Member States which applies to the data controller;
In the following circumstances, you may request the limitation of the processing of your data:
a) when the client challenges the accuracy of the personal data, during a period that allows the controller to verify the accuracy of these data;
b) when the processing is unlawful, and the client opposes erasure of their personal data and requests the restriction of its use instead;
c) when the organisation: no longer needs the personal data for processing purposes, but the client needs them to establish, exercise or defend a legal claim;
In certain circumstances and for reasons related to their situation, the interested parties may object to the processing of their data. The organisation will stop processing the data, except for compelling legitimate reasons, or the exercise or defence of possible legal claims.
The data provided for the advertisement of our services is based on consent, whereby consent may be withdrawn at any time without retroactive effects or you may exercise the right to object to the processing of your data for these purposes.
To exercise any of these rights or to withdraw consent, you can do so by sending an email to info@quibus.es
Finally, we hereby inform you that if we do not answer within the time limit to any of your requests or you do not agree with our answer, you can contact the Spanish Data Protection Agency and request the enforcement of your rights.