“Personal data” means any information relating to an identified or identifiable natural person, and an identifiable person is one who can be identified, directly or indirectly, in particular by reference to an identification number or to one or more factors specific to his or her physical, physiological, mental, economic, cultural or social identity;

“Document” means any record containing personal data, whether in electronic or paper form, stored on a medium and in information and communication equipment used for data processing, transmitted by post or transmitted over a telecommunications network;

“Processing of personal data” means any operation or set of operations which is performed upon personal data, whether or not by automatic means, such as collection, recording, organisation, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, publication or otherwise making available, alignment or combination, blocking, erasure or destruction;

“Pseudonomization of Personal Data” or “Anonymization of Personal Data” is an alternative to deleting or destroying your Personal Data. This removes all elements by which you can be directly or indirectly identified. Pseudonymous or anonymized data does not constitute Personal Data.

“Law” – Law on Personal Data Protection (Official Gazette No. 42/20)

“Written consent of the personal data subject” is a signed consent by the personal data subject in the form of a document or a provision in a contract;

*Lawful, fair and transparent processing of personal data

Personal data are collected and processed exclusively for purposes defined in relevant law, fulfillment of the subject matter of a contract concluded with FD Solidus DOO Bitola and payment for services provided, based on consent obtained for the processing of personal data from a user for purposes specified therein (e.g. Direct marketing) as well as in the presence of a legitimate interest.

* Limitation of the purpose of processing personal data

FD Solidus DOO Bitola processes personal data only for purposes that are necessary to fulfill legal obligations, fulfill rights and obligations from the concluded contract, collect its claims and process for purposes for which the user has given prior consent.

If FD Solidus DOO Bitola has a legitimate interest in processing personal data for other purposes, such processing will be subject to analysis and assessment of the impact of such processing on the privacy of users.

*Limitation of the scope of personal data

The processing of personal data is limited only to those data that are necessary to fulfill the purpose of the processing. If there is a need to process additional data, FD Solidus DOO Bitola will inform the user as the subject of personal data about the provision of additional data and, where necessary, will request his consent for such additional processing.

*Accuracy of personal data

Providing true, accurate and complete data, as well as timely notification of changes to personal data is a legal and contractual obligation of users and is a necessary condition for establishing a contractual relationship as well as for fulfilling the rights and obligations arising from a contract.

FD Solidus DOO Bitola has a legal obligation to keep accurate records of its users and for this purpose implements reasonable measures to confirm the accuracy, correction and/or deletion of inaccurate or incomplete personal data. In addition to the measures taken by FD Solidus DOO Bitola, each user has the right to request correction, modification or deletion of his personal data in an easy and simple manner as set out in point 10 of this Information.

* Limitation of the periods of processing of personal data

Personal data obtained from users on the basis of a concluded agreement is stored by FD Solidus DOO Bitola in accordance with the periods defined in the relevant law. FD Solidus DOO Bitola may process data for statistical or other business purposes and in a longer term, according to its needs, but in doing so, such data is anonymized, after which such data cannot be linked to a specific personal data subject and does not contain any personal data.

*Integrity and confidentiality of personal data

FD Solidus DOO Bitola takes appropriate technical and organizational measures to protect personal data from unauthorized access, unlawful disclosure, alteration or destruction of data. Access to personal data is limited to persons who are authorized to process personal data in accordance with the job description and for activities necessary to implement legal obligations, fulfill a contract, process based on consent or fulfill a legitimate interest.

* Accountability

FD Solidus DOO Bitola, in accordance with the accountability principle set out in the Personal Data Protection Act, has records and evidence that all necessary measures have been taken to implement the above principles in practice, i.e. that it meets the legal requirements for the protection of personal data.

*Personal data: name and surname, gender, EMBG, transaction account number, date of birth, business capacity, citizenship.

* The name of the contact persons, which you provide to us, and which are not guarantors based on prior confirmation that they are aware of the processing of their personal data only for these purposes and that they are informed that they have access to and the right to correct their personal data at any time.

Identification document: The type of your identification document, country of issue, registration number, expiration date, data recorded in the document's barcodes (depending on the type of document) and security features.

*Determination of the client's creditworthiness: Job position, amount of monthly income, additional income, profession, salary, additional income, employer data (EMBS, EDB, headquarters, telephone, sector), including data from other credit agreements from the Macedonian Credit Bureau AD Skopje, data from the account register at KIBS AD Skopje for your account number, data from the Health Fund for verification and confirmation of employment, credit agreement number, client ID, as well as data collected during monitoring of the entire duration of the agreement.