Privacy Policy

Anpora Group and its subsidiaries (collectively “Anpora”) understand that your privacy is important to you and that you care about how your personal data is used and shared online. We respect and value the privacy of everyone who visits Our website which includes the websites of our respective offices. We will only collect and use personal data in ways that are described here, and in a manner that is consistent with Our obligations and your rights under the applicable data privacy laws for your region/country.

As a global group with affiliates in the European Union, Switzerland, United Kingdom, United States, and Singapore, we are committed to protecting your privacy in accordance with applicable data protection laws, including:

• EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”); or

• Personal Data Protection Act (“PDPA”); or

• Swiss Federal Act on Data Protection (“FADP-nLPD”); or

• UK General Data Protection Regulation (“UK GDPR”).

Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of Our Privacy Policy is deemed to occur upon your first use of Our Site. If you do not accept and agree with this Privacy Policy, you must stop using Our Site immediately.


Definitions and Interpretation

In this Policy, the following terms shall have the following meanings:

“Personal data” means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the General Data Protection Regulation (“GDPR”), or Personal Data Protection Act (“PDPA”) or Swiss Federal Act on Data Protection (“FADP-nLPD”); and UK General Data Protection Regulation (“UK GDPR”).

“We/Us/Our/Anpora Group” means Anpora S.A. as the parent company and its subsidiaries that are relevant for processing your data through your use of Our Site. Refer to “Information About Us” for information on Our registered offices.

• The “Data Controller” is the legal entity or individual who determines the purposes and means of the processing of personal data.

“Joint data controllers” are two or more entities that together determine the purposes and means of processing personal data. They share responsibility for compliance with data protection obligations.

• A “Data Subject” is any identified or identifiable natural person whose personal data is collected, held or processed by the Data Controller. In the context of this website, Data Subjects include any visitors, users, or individuals who communicate with us through the site.

Information About Us  

The Data Controller responsible for your personal data depends on your country of residence or the affiliate you are interacting with.  Each entity is responsible for its own data processing activities and compliance with the applicable laws.

The table below outlines the identifying details of the Data Controllers and their respective designated Data Protection Officers (DPOs) that own and operate our Site.

Joint Data Controllers Local Data Protection Officer
Anpora Lux S.A., Société Anonyme registered in Luxembourg.
Address: 48 rue de Bragance - L-1255 Luxembourg – Luxembourg.
Ms. Alexandra Da Silva
Email: data.protection@anporagroup.com
Anpora Holdings Pte. Ltd, registered in Singapore.
Address: 182 Cecil Street, #23-02 Frasers Tower, Singapore 06954
Mr. Faiz Azman
Email: data-protection@finova.com.sg
Anpora Participaciones, S.L., registered in Spain.
Address: Passeig de Gràcia, 42, 08007 Barcelona
Ms. Laura Castro
Email: contact@grupoanpora.com
Anpora UK Limited, registered in England.
Address: Aspen House, 25 Dover Street - London W1S 4LX – UK.
Mr. Steven Stone
Email: data-protection@anpora-uk.com
Anpora Swiss SA, registered in Switzerland.
Address: Place du Molard 3, 1204 Geneva, Switzerland
Mr. Jean-Pierre Legras
Email: protection-des-donnees@anpora-swiss.ch


What Does This Policy Cover?

This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that We have no control over how your data is collected, stored, or used by other websites and We advise you to check the privacy policies of any such websites before providing any data to them.


What Data Do We Collect?

Depending upon your use of Our Site, we may collect some or all of the following personal data:

• Identity information (first name, surname, business/company name, date of birth, gender);

• Contact information (postal address, postal code, email address, telephone numbers);

• Data concerning your financial situation or that of third parties (occupation, salary slips, extracts from the debt enforcement register);

• Property information (category, technical data, regulations, etc.);

• Invoice data (amount and due date of invoices, reminders, receipts);

• Payment information (bank or postal details);

• Our correspondence (email exchanges, telephone reports, letters);

• Technical data (Cookie, IP address, MAC address, timestamp, web browser type and version, operating system).


What is the Purpose and Legal Basis of Processing Your Personal Data?

Our use of your personal data will always have a lawful basis, either because it is necessary for Our performance of a contract with you, because you have consented to Our use of your personal data (e.g. by subscribing to emails), or because it is in Our legitimate interests. Specifically, We may use your data for the following purposes:

Communications (by way of phone, emails, contact forms where applicable):

- respond to your enquiries about our services;

- contact you if you have any questions;

- offer our services and help;

- providing customer service and support;

- register complaints.

Contract:

- determine whether and how we enter into a contract with you;

- enter into a contract;

Market research and product development:

- to improve our services, products and commercial activities through market research and satisfaction surveys;

- Produce internal statistics.

Compliance with legal requirements:

- check that our activities comply with applicable legislation;

- answer your questions and requests relating to data protection;

- cooperate with the judicial, criminal or administrative authorities where there are objective grounds or legal obligations.

When data processing is not covered by one of the aforementioned justifications, We will require your free and informed consent. This will be the case in particular if We are required to process sensitive data concerning you. You are free to withdraw your consent at any time.


Do We Share Your Data?

In the context of our contractual relations and the other purposes mentioned under “Purpose and Legal Basis of Processing Your Personal Data”, we may communicate all or part of your data to the following recipients:

Contractual partners: We may work with partners in order to provide you with the services stipulated in the contracts that bind us to you, such as companies commissioned to carry out work. We therefore only provide them with the personal data concerning you that is absolutely necessary for the provision of their services.

Service providers: We may work with various service providers who enable us to carry out certain data processing and other activities (e.g., IT service providers, address verification services, debt collection services, transport companies, cleaning services and financial service providers).

Authorities: In certain circumstances, We may be legally required to share certain data held by Us, which may include your personal data (e.g., legal proceedings, complying with legal obligations, a court order, or a governmental authority).

We may compile statistics about the use of Our Site including data on traffic, usage patterns, user numbers, and other information. Principles of anonymisation, data minimisation, and purpose limitation are duly respected in data sharing.  

Your personal data is mainly processed in the local jurisdiction of which you have submitted your information to. If your data must be transferred abroad, it will be transferred within the countries of the European Economic Area and/or countries offering an adequate level of protection. Where this is not the case, your data will be transferred to partners and service providers committed to respecting the contractual data protection clauses, if necessary, with additional measures.

Your data will be stored in the respective locations of which you have submitted your data to. If necessary, there may be transfer of certain personal data between and/or amongst Our group of companies in “Information About Us”, for the purposes described in “Purpose and Legal Basis of Processing Your Personal Data” if the applicable legal requirements are met.


Your Rights

As a data subject, you have the following rights under your respective data privacy law, which this Policy and Our use of personal data have been designed to uphold:

• The right to be informed about Our collection and use of personal data.

• The right of access to the personal data We hold about you. Under the respective data privacy laws, no fee is payable, and We will provide all information in response to your request free of charge. For more details, please contact the local Data Protection Officers as per “Information About Us”.

• The right to rectification if any personal data We hold about you is inaccurate or incomplete (please contact Us using the details in “Information About Us”).

• The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you (We only hold your personal data for a limited time, as explained in “Do We Share Your Data” but if you would like Us to delete it sooner, please contact Us using the details in “Information About Us”).

• The right to restrict (i.e. prevent) the processing of your personal data.

• The right to withdraw your consent to the processing of your data for which your consent has been requested.

• The right to data portability (obtaining a copy of your personal data to re-use with another service or organisation).

• The right to object to Us using your personal data for particular purposes; and

• Rights with respect to automated decision making and profiling.

Please contact Us using the details provided in “Information About Us”,

• If you have any cause for complaint about Our use of your personal data;

• If you have any questions or wish to exercise your data protection rights.

If you are not satisfied with our response, you may contact your respective local regulatory authority.


How and Where Do We Store Your Data?

We only keep your personal data for as long as We need, and/or for as long as We have your permission to keep it. We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected.

Data will therefore be retained for the following periods (or its retention will be determined on the following bases):

• All personal data, depending on its nature, may be retained for 5 years.

• Your data will be stored in the respective locations of which you have submitted your data to

Data security is very important to Us, and to protect your data We have taken suitable technical and organizational measures to safeguard and secure data collected through Our Site. These measures are taken according to the data processed, the means of processing and the purpose of the data. Our contractual partners and employees have limited access to the personal data required to perform their services and are required to comply with data protection provisions.


What Happens If Our Business Changes Hands?

We may, from time to time, expand or reduce Our business and this may involve the sale and/or the transfer of control of all or part of Our business. Any personal data that you have provided will, where it is relevant to any part of Our business that is being transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use that data only for the same purposes for which it was originally collected by Us.

In the event that any of your data is to be transferred in such a manner, you will not be contacted in advance and informed of the changes.


How Can You Control Your Data?

In addition to your rights under the respective data privacy laws, set out in Privacy Policy statement, when you submit personal data via Our Site, you may be given options to restrict Our use of your data. In particular, We aim to give you strong controls on Our use of your data for direct marketing purposes.


Contacting Us

If you have any questions about Our Site or this Privacy Policy, please contact Us by email, telephone or post at the contact information provided in “Information About Us”. Please ensure that your query is clear, particularly if it is a request for information about the data We hold about you.

Changes to Our Privacy Policy

We may change this Privacy Policy from time to time (for example, if the law changes). Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up to date.

Last Update: July 2025