Information Provided by You
We collect personal information about you that you provide while you use 0credit.com or any associated websites, desktop or mobile applications. We collect most of this information during the registration and/or application process for tenant screening. Additional information may be gathered during your subsequent use of the site, or when we communicate with you via telephone, email or other means. Certain personal information must be supplied during the tenant screening processes in order to meet our legal obligations, verify your identity, determine eligibility for a lease, protect against fraud, and complete your transaction. The following categories of information may be collected: • Identification data • Financial datas • Localization data • Connection data (IP address, etc.) • Personal characteristics • Physical data • Life habits • Composition of household and family • Hobbies and interests • Affiliations and affiliations • Judicial data • Consumption habits • Data relating to studies and training • Data relating to employment and function • National registry number and social security identification number • Racial or ethnic data • Data on sex life or sexual orientation • Political Views • Religious or philosophical beliefs • Photos / Shots • Recordings / Sound recording • Your employment and income information; • Your bank account and security account information; • Login credentials used to access our site; • Any personal information you provide us In addition, we gather names and email addresses of people who contact us with questions. We collect this information only for the purpose of responding to inquiries. If you use our “refer-a-friend” feature, we will collect information from you in order to process your referral request.
Information Collected From Third Parties
Information Gathered Based on Your Activity on the 0C Platform
In order to provide services to you, improve our business and maintain records required by law, 0C collects information about your transactions and activity. For tenants, this includes your payment history. For all members, 0C collects information about your computer and your visits to www.0credit.com and any other 0C websites, such as your IP address, geographical location, browser type, referral source, length of visit, button clicks and page views.
No Unlawful or Prohibited Use/Intellectual Property
0C does not process or respond to “do not track” signals or other similar signals whereby a visitor to a website requests that it disable collection of information about the visitor’s online activities over time and across different websites.
The Services are controlled, operated and administered by 0credit from our offices within Belgium. If you access the Services from a location outside Belgium, you are responsible for compliance with all local laws. You agree that you will not use the 0credit content accessed through the Services in any country or in any manner prohibited by any applicable laws, restrictions or regulations.
How We Use Your Information
Processing Your Transaction If you register as a user/tenant applicant, 0C will use your information to facilitate your lease application request. This may include: • Generating your tenant profile and processing your lease application; • Enabling automatic payments and fund transfers with other financial institutions; • Implementing collection activities as needed; • Implementing eviction activities as needed; • Reviewing your payment history; • Communicating with you concerning your account and transactions; • Addressing any disputes or inquiries you may raise concerning your account We will use your information to run our everyday business and in accordance with applicable law. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements, such as recordkeeping, tax reporting requirements, fraud prevention, audit and data integrity.
Maintenance of Your Transaction
When you register on our site you will receive emails that confirm specific actions you requested. These notifications are typically sent to notify you of a change in status, or for legal or security purposes. For example, you will receive notifications confirming your registration, the successful verification of email addresses and bank accounts, and the successful submission of tenant lease requests; you will receive notifications regarding certain changes to legal agreements and required tenant and privacy disclosures; and you will receive progress updates on the status of lease requests. These transactional notifications are sent to you so that you can be assured that no one is making changes to your account without your knowledge. We may also send you responses to emails you send us, if appropriate or applicable. Generally you may not opt out of these service-related emails.
Data Analysis & Optimization
0C also uses your information to conduct analyses related to our services and our website. We use this information to improve our services and tenant screening model. We also use this information to improve our websites’ usability and to evaluate the success of particular marketing campaigns and other activities.
Optional Communications: Marketing & Surveys
0C may also use your personal information to select you for certain marketing offers, newsletters, surveys and/or requests for feedback regarding your experience. 0C may use your personal information both to select you for an offer and to communicate that offer to you. Receipt of these communications via email is voluntary. If you do not wish to receive these communications, please reply to sender asking to unsubscribe.
How We Share Your Information
Important Privacy Choices
Additional Facts About Your Personal Information
How you can change your personal information You can access the personal information you have provided to us by logging in to the [“Settings”] page of your account. As a registered user, you can update your password, email, secret question(s), screen name, phone number or bank account information at any time. If you are registered as a tenant, you may update your mailing address at any time after your tenant profile has originated. To change other information, contact us. We will respond to your request within a reasonable time. We will retain your information as needed to provide you services, comply with our legal obligations, resolve disputes, conduct analysis, audits, or to enforce our agreements or as otherwise required by law. How We Secure Your Information 0C uses significant safeguards, including physical, technical, and operational controls to protect your personal information, both during transmission and once received. Despite these efforts, no security measures, however thorough, are perfect. Accordingly, we do not guarantee the security of the information you provide to us. If you have any questions about the security of your information, you can contact us. 0C equips all servers with an Extended Validation (EV) Secure Socket Layer (SSL) certificate to ensure that when you connect to our websites you can tell that you are actually on our site and that all data entered into the websites are transmitted to us in a secure encrypted channel. Once on our system, personal information can only be read or written through defined service access points, the use of which is password-protected. Data security is achieved through technical safeguards that include a combination of a firewall, intrusion detection system, malware detection system, and data loss prevention system. 0C also conducts vulnerability scans of applications and systems regularly. Access to the system is controlled and limited to only those who have a need to access information. Administrative safeguards such as a security awareness program, background checks, and internal information use policy ensure that only trained and trusted staff are permitted to access personal information. Session time-outs We employ session time-outs to protect your account. You will be logged out of the site automatically after a specified period of inactivity. This time-out feature reduces the risk of others being able to access your account if you leave your computer unattended. Protection of Account Numbers When we contact you about your account to confirm a funds transfer, we only reference an access token via the integration. This gives us access to a truncated set of digits of your bank account number; this is done for your protection so that you will recognize the source or destination account as one which you own. Passwords At a minimum, we require the use of both numbers and letters in your password. We have also instituted secure steps by which you can regain access to your account should you forget your password, including the use of a security question. You should always choose a password that is difficult for others to guess and change your password frequently.
Additional Steps You Should Take to Ensure the Security of Your Information
0C sends important communications regarding your account via email. You should therefore take steps to secure and restrict access to your email account, change your email account password frequently and use strong passwords. You should also be aware of fraudulent emails known as “phishing,” from companies claiming to be 0C and requesting your login information or other account information. 0C will never ask for your login information in an email. When you are finished using our site, you should log out completely, then close the browser window and clear the browser’s cache files. This step is particularly important if you use a computer that is accessed by other people, such as in a public library or Internet cafe. You should install and regularly update antivirus and firewall software to protect your computer from external attacks by malicious users. You may not include any identifying information in your 0C screen name. We are not responsible for any personal information that you may choose to reveal in your screenname.
Change to this policy