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THE PRIVACY CODE - Dlgs 196/03


Pursuant to article 4 of the aforementioned Legislative Decree, DATA “PROCESSING” means to carry out all those operations, with or without the aid of electronic or automated means, concerning collection, registration, organisation, preservation, processing, alteration, selection, extraction, comparison, use, interconnection, ban, communication, disclosure, deletion and destruction of the data. With the term "PERSONAL DATA" the legislator refers to any information concerning a natural person, legal entity, body, or association, identified or identifiable, even indirectly, by reference to any other information, including a personal identification number.

Personal data must be processed in a lawful manner, according to propriety and must be kept for the time strictly necessary to achieve the purposes for which they were collected.

As for the main subjects referred to by Legislative Decree 196/03 we can summarise as follows.
First of all, the mention of INTERESTED PARTY referring to the natural or legal person to whom the personal data refer. The Decree considers the interested party as a protected subject and assigns to it a plurality of rights (e.g. the right to obtain information regarding data processing, the right to request cancellation, transformation into anonymous form or blocking data processed in violation of the aforementioned law, including those whose retention is no longer necessary for the purposes for which the data were collected or subsequently processed ...).

The PROCESS HOLDER is the natural or legal person who is responsible for processing the data of the interested party. The holder is responsible for the decisions about the purposes and methods of the process. The PROCESS SUPERVISOR is the natural or legal person, appointed by the Holder, whereas the AGENT is the one who actually processes the data he has access to, even without decisional autonomy. The GUARANTOR is the impartial collegial body in charge for the control of the correct application of the law, before which it is possible to claim its own rights as an alternative to the judicial authority.

The detailed list of the individuals to whom your data may be communicated can be consulted at the company headquarters in Via Carmine Vecchio, 50 - 71036 Lucera (Foggia) or at the following links: list of internal supervisors, list of external supervisors .
All employees and all collaborators of the company may be made aware of the data, as agents, regardless their employment role with the company which is held for the performance of their duties.


Browsing the site is absolutely anonymous. Personal data are collected when the online loan application form is completed. In this case, the information report required by art. 13 of the Legislative Decree 30th June 2003, n. 196 is provided at the beginning of the application form. The confidentiality and integrity of the data provided during the online application is protected through the use of SSL (Secure Socket Layer) protocol.

Personal data collection and processing provided during the online loan application is aimed to purposes related to, and suitable only, to the loan service and to purposes not strictly related to the financing activity, but useful to improve the services rendered (e.g. promotional initiatives, market research carried out by Cred.it Spa on behalf of third-party companies, or carried out by third-party companies on behalf of Cred.it). The collection and processing of the personal data provided is also aimed at the completion, by Cred.it Società Finanziaria Spa, of the inquiry and assessment of pre-contractual information, as well as for customer care purposes, credit protection and prevention of commercial over-indebtedness, statistics, promotions, and commercial information.

The user is aware that any of his refusal to consent to the aforementioned notices and related processes could be negatively assessed for the purpose of the loan supply.

Information report on the processing of personal data pursuant to and for the purposes of Legislative Decree 30th June 2003, No.196

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