Get money online, fast loans and credits, credit cards, mortgages, make deposits, open accounts. Compare offers!

Legal Notice, Privacy Policy and Cookies Policy

Legal notice and conditions of use

This website - key-pax.com follows a code of good practices and is based on the laws in force in Spain and Europe, to guarantee all your rights and also allow you to interact with this website in a legal and safe way .

Regulations applied to key-pax.com

This website applies 3 fundamental regulations that regulate the relations between the provider and users: The RGPD ( Regulation (EU) 2016/679 of the European Parliament and of the Council of April 27, 2016 on the protection of natural persons ) The LOPD ( Organic Law 15/1999, of December 13, Protection of Personal Data and Royal Decree 1720/2007, of December 21, the Development Regulation of the LOPD ) The LSSI ( Law 34/2002, of July 11, Services of the Information Society and Electronic Commerce )

The terms of the agreement

Keep in mind that these General Conditions regulate the use (including simple access to the blog) of the pages that make up key-pax.com, including the content and services offered. By accessing key-pax.com you already acquire the status of "User", and as a user it is important that you know the conditions that regulate this agreement. 

The purpose of this website

key-pax.com is a website that offers information on financial products, to be able to compare different options to get loans, credits, mortgages, fast money, credit cards, open bank accounts that can be acquired through the Internet. The service can be used as a comparator for credits and other financial products so that the user can get the ones that best suit their needs. Among the products we analyze are microloans, microloans, quick loans, urgent personal loans, consumer loans, conventional loans or credit cards.

Personal data that is collected

You can read everything related to this directly in the Privacy Policy.

Rules of this website

Some commitments and obligations of the Users of this website are explained below:

Security measures

The personal data that you can communicate can be stored in automated databases or not, whose ownership corresponds exclusively to key-pax.com, assuming all technical, organizational and security measures that guarantee the confidentiality, integrity and quality of the information contained in the themselves, in accordance with the provisions of current data protection regulations. In addition, adequate security measures are adopted to detect the existence of viruses and any other type of attack. In any case, the User must be aware that the security measures of computer systems on the Internet are not entirely reliable, that is why key-pax.com cannot fully guarantee the absence of viruses or other elements that may cause alterations in the computer systems (software and hardware) of its electronic documents and in the files it contains.

Conflict resolution platform

As a User, you have at your disposal the dispute resolution platform provided by the European Commission itself and which you can access from here: http://ec.europa.eu/consumers/odr/main/index.cfm?event=main .home2.show & lng = EN

Intellectual and industrial property rights

By means of these General Conditions , no intellectual or industrial property rights are granted on the key-pax.com website or on any of its elements that make it up, for which the User is expressly prohibited from reproduction, transformation, distribution, public communication, placing available to the public, extraction, reuse, forwarding or use of any nature, by any means or procedure, of any of them, except in cases where it is legally permitted or authorized by key-pax.com, as the owner of the corresponding rights.

About external links

The articles and pages of this website key-pax.com they have links to other own websites and content that are owned by third parties such as content, resources, tools or affiliate links. The sole purpose of the links is to provide the User with the possibility of accessing those linked sites. For this reason, key-pax.com is not responsible in any case for what may be caused by directing the User through these links, although they always link to trusted sites that offer maximum guarantees to users.

Sponsored Ads, Affiliate Links, and Advertising

On this website, the User is offered sponsored content, advertisements and / or affiliate links. Among the links that you can find, there is the possibility of informing and referring to products and / or services and / or info products. In the latter cases, you can be referred to other third-party sites such as:

The information that appears in these affiliate links or the inserted advertisements are provided by the advertisers themselves, so key-pax.com is not responsible for possible inaccuracies or errors that the advertisements may contain , nor is the experience guaranteed in any way. , integrity or responsibility of advertisers or the quality of their products and / or services. In addition, the ads will remain published on the portal until they are eliminated or suspended by the advertiser or key-pax.com, which logically is not responsible for the fact that, once they have been removed from their databases, the ads continue to be indexed in search engines. outside this portal. And you must understand that any contractual or extra-contractual relationship that you, as a User, formalize with advertisers, affiliates or third parties contacted through this website are understood to be made solely and exclusively between you, the User and the advertiser and / or third person. So you must accept that key-pax.com only acts as a channel or advertising medium and that therefore it does not have any type of responsibility for damages or losses of any nature caused by its negotiations, conversations and / or contractual or extra-contractual relationships with the Advertisers or third parties, natural or legal persons contacted through this website.

Exclusion of guarantees and responsibility

key-pax.com does not grant any guarantee nor is it responsible , in any case, for damages of any nature that may arise from:

Privacy Policy

key-pax.com is committed to safeguarding your privacy. Contact us at [email protected] if you have questions or problems regarding the use of your Personal Data and we will gladly assist you. By using this site and / or our services, you agree to the processing of your personal data as described in this Privacy Policy.

Definitions

Personal data : any information related to an identified or identifiable natural person. Processing : any operation or set of operations that is carried out on Personal Data or on sets of Personal Data. Data subject : a natural person whose personal data is being processed. Child - a natural person under 16 years of age. We / us (whether capitalized or not) - key-pax.com

Data protection principles

We are committed to following the following data protection principles:

Rights of the data subject

The data subject has the following rights:

  1. Right to information, which means that you have the right to know if your Personal Data is being processed; what data is collected, where it is obtained and why and who processes it.
  2. Right of access, which means that you have the right to access data collected from or about you. This includes your right to request and obtain a copy of your collected Personal Data.
  3. Right to rectification, which means that you have the right to request the rectification or erasure of your Personal Data that is inaccurate or incomplete.
  4. Right to erasure, which means that in certain circumstances you can request that your personal data be erased from our records.
  5. Right to restrict processing, i.e. when certain conditions apply, you have the right to restrict the processing of your personal data.
  6. Right to object to processing, which means that in certain cases you have the right to object to the processing of your personal data, for example in the case of direct marketing.
  7. Right to object to automated processing, which means that you have the right to object to automated processing, including profiling; and not be subject to a decision based solely on automated processing. This right can be exercised whenever there is a profile result that produces legal effects that significantly affect or affect you.
  8. Right to data portability: You have the right to obtain your Personal Data in a machine-readable format or if feasible, as a direct transfer from one Processor to another.
  9. Right to complain: In the event that we deny your request under the Access Rights, we will provide you with a reason why. If you are not satisfied with the way your request has been handled, please contact us.
  10. Right to help from the supervisory authority, which means you have the right to help from a supervisory authority and the right to other legal remedies, such as claiming damages.
  11. Right to withdraw consent: you have the right to withdraw any consent granted for the Processing of your Personal Data.

Data we collect

Information you have provided to us This could be your email address, name, etc., mainly information that is necessary to deliver a product / service or improve your experience with us. We save the information you provide us so that you can comment or carry out other activities on the website. This information includes, for example, your name and email address. Information Collected Automatically About You. This includes information that cookies and other session tools store automatically. For example, your IP address information, your purchase history (if any), etc. This information is used to improve your experience with the website. When you use our services or view the contents of our website, your activities can be logged. Information from our partners We collect information from our trusted partners with the confirmation that they have legal grounds to share that information with us. This is information that you provided to them directly or that they have collected about you for other legal reasons. Publicly Available Information We may collect information about you that is publicly available.

How we use your personal data

We use your personal data to:

We use your personal information for legitimate reasons and / or with your consent. By virtue of entering into a contract or fulfilling contractual obligations, we process your personal data for the following purposes:

On the basis of legitimate interest, we process your personal data for the following purposes:

As long as you have not informed us otherwise, we consider offering you products / services that are similar or similar to your purchase history / browsing behavior to be our legitimate interest. We process your Personal Data to comply with the obligations derived from the law and / or use your Personal Data for the options provided by law. We reserve the right to anonymize the personal data collected and to use such data. We will use data outside the scope of this Policy only when it is anonymized. We keep the information collected about you for as long as is necessary for accounting purposes or other obligations derived from the law, but no longer.

Who else can access your personal data

We do not share your personal information with third parties.

How we secure your data

We do our best to keep your personal data safe. We use anonymization and a pseudonym when appropriate. We monitor our systems for possible vulnerabilities and attacks. Although we do our best, we cannot guarantee the security of information. However, we promise to notify the appropriate authorities of data breaches. We will also notify you if there is a threat to your rights or interests. We will do everything we can to prevent security breaches and assist law enforcement in the event of breaches.

Children

We do not intend to knowingly collect or collect information from children. We do not target children with our services.

Cookies and other technologies we use

We use cookies and / or similar technologies to analyze customer behavior, administer the website, track user movements, and collect information about users. This is done in order to personalize and improve your experience with us. A cookie is a small text file stored on your computer. Cookies store information that is used to help the sites work. Only we can access the cookies created by our website. You can control your cookies at the browser level. Choosing to disable cookies may make it difficult to use certain features. We use cookies for the following purposes:

You can delete the cookies stored on your computer through your browser settings. Alternatively, you can control some third-party cookies using a privacy enhancement platform. For more information on cookies, visit allaboutcookies.org . We use Yandex.metrika to measure the traffic on our website. Yandex has its own Privacy Policy. If you do not want to track Yandex.metrika, please visit the Yandex.Metrika page .

Contact information

Data Protection Officer If you have any questions about the processing of your Personal Data, your rights with respect to your Personal Data or this Privacy Policy, please contact our Data Protection Officer by writing to us at [email protected] Supervisory Authority Email: [email protected] Telephone: +34 91 399 6200

Changes to this privacy policy

We reserve the right to make changes to this Privacy Policy. Last modification made on 05/24/2018.

Cookies policy

Use of Cookies and web bugs

At key-pax.com, hereinafter key-pax.com we use cookies and Web Bugs in order to provide a better service and provide you with a better browsing experience on key-pax.com. To this end, below we inform you clearly and precisely about what a cookie is, what it is for, what is its purpose and how to configure or disable them if you wish. Cookies are text files that the website sends to the browser and that are stored on the user's equipment in order to store and retrieve information about the navigation that is carried out from that equipment (computer, mobile phone, tablet etc ...). Depending on their permanence and the purpose for which the data obtained through cookies is used, there are several types. Thus, initially cookies can be "session", which expire when the user finishes browsing and closes the browser, and "permanent" which expire when they have fulfilled the function for which they are conceived or when the user deletes them. More information about cookies is available at: http://es.wikipedia.org/wiki/Cookie_(inform%C3%A1tica) This site may also host web bugs. Web bugs are usually small images of one pixel by one pixel, visible or invisible, placed within the source code of the web pages of a site. Web beacons serve and are used in a similar way to cookies. In addition, web beacons are often used to measure the traffic of users who visit a web page and to be able to obtain a pattern of the users of a site. More information about web beacons is available at: http://es.wikipedia.org/wiki/Web_bug

Typology, purpose and operation of Cookies

Cookies, depending on their permanence, can be divided into session or permanent cookies. The first ones expire when the User closes the browser. The second ones expire depending on when the objective for which they serve is fulfilled or when they are manually deleted. Additionally, depending on their objective, Cookies can be classified as follows:

  1. PERFORMANCE COOKIES: This type of Cookie remembers your preferences for the tools found in the Services, so you do not have to reconfigure the service each time you visit. As an example, this typology includes:
  1. GEO-LOCATION COOKIES: These Cookies are used to find out which country you are in when a Service is requested. This Cookie is totally anonymous, and is only used to help guide the content to your location.
  2. REGISTRATION COOKIES: Registration Cookies are generated once the User has registered or subsequently opened his session, and are used to identify him in the Services with the following objectives:

Additionally, some Services may use connectors with social networks such as Facebook or Twitter. When the User registers in a Service with credentials of a social network, he authorizes the social network to save a persistent Cookie that remembers his identity and guarantees him access to the Services until it expires. The User can delete this Cookie and revoke access to the Services through social networks by updating their preferences in the specific social network.

  1. ANALYTICAL COOKIES: Every time a User visits a Service, a tool from an external provider (Analytics and the like that may be added to this list in case they vary in relation to the current ones) generates an analytical Cookie on the User's computer. This Cookie, which is only generated during the visit, will serve in future visits to identify the visitor anonymously. The main objectives pursued are:

The objective is to collect statistics: the number of visits, the consultation period, the search engine used to access the website, the keywords used, the global location of the visitor, the contents visited on the website, as well as other traffic parameters. on the website, always anonymously. These Cookies will only be used for statistical purposes that help to optimize the User's experience on the site. Google stores this information collected by cookies so that no user is identified. Nor is your IP address associated with any other information you have. In addition, Yandex is a company that is adhered to the Safe Harbor Agreement. This agreement guarantees that the transferred data will be treated in accordance with the protection levels of European regulations. For more information about Yandex you can go to the following link .

  1. THIRD PARTY ADVERTISING COOKIES: The website offers its advertisers the option of serving advertisements through third parties ("Ad-Servers"). In this way, these third parties can store Cookies sent from our website from the Users' browsers, as well as access the data stored in them.

The companies that generate these Cookies have their own privacy policies. We currently use the following platforms to manage these services:

How to disable Cookies and Web Bugs in the main browsers

Normally it is possible to stop accepting browser Cookies, or stop accepting Cookies from a particular Service. All modern browsers allow you to change the cookie settings. These settings are usually found in the 'options' or 'Preferences' of your browser menu. Likewise, you can configure your browser or your email manager, as well as install free add-ons to prevent Web Bugs from being downloaded when opening an email. We offer guidance to the User on the steps to access the cookie configuration menu and, where appropriate, private browsing in each of the main browsers:

For more information, you can consult Microsoft support or browser Help.

For more information, you can consult Mozilla support or browser Help.

For more information, you can consult Google support or browser Help.

For more information, you can consult Apple support or browser Help.

For more information, you can consult Opera support or browser Help.

What happens if Cookies are disabled

Some functionalities of the Services will be disabled, such as, for example, remaining identified, keeping purchases in the "shopping cart" in an e-commerce Service, receiving information directed to their location or viewing some videos.

Updating and changes in the Cookies policy

We can modify this Cookies Policy based on legislative and regulatory requirements, or in order to adapt said policy to the instructions issued by the Spanish Data Protection Agency, therefore users are advised to visit it periodically. When significant changes occur in this Cookies Policy, Users will be notified either through the web or through email to registered Users.

Legal Notice, Privacy Policy and Cookies Policy

We use our own and third-party cookies to improve the browsing experience, and offer content and advertising of interest. By continuing to browse we understand that our Cookies Policy is accepted. Legal Notice, Privacy Policy and Cookies Policy .

[X]
en