Privacy Policy

We take all appropriate measures to ensure that we protect your personal data in accordance with applicable regulations, and we aim to be transparent in the practices we implement because we understand how important it is to you.

We are committed to respecting the following principles:

 • You are under no obligation to provide us with the personal data we request. However, if you decide not to provide us with certain data, we may not be able to provide certain services or deliver certain products;

 • We collect and process your data only for the purposes described in this Policy or for specific purposes that we have informed you about and/or for which you have consented;

 • We follow the principle of minimizing the collection of personal data, which means we only collect and process the personal data necessary for the intended purposes;

 • We aim to keep your personal data as accurate and up-to-date as possible;

 • If personal data we possess is no longer useful for the personal data processing we carry out, and there is no legal obligation requiring us to retain it, we will do everything within our power to delete, destroy, or anonymize it.

 • Your personal data will only be shared and disclosed in accordance with the principles outlined in this Policy.

The data we collect

We want to provide you with the best possible experience when using Riviera MultiFinance's products and services. The data we collect and process helps us to provide and improve our services, provide you with regular support, and offer personalized recommendations for products, services, and promotions.

The personal data we collect varies depending on the purpose of the collection and the service or product we provide to you. Generally, we may directly collect the following categories of personal data:

 • Personal contact information, such as your name, first name, email address, postal address, and phone number(s);
 
 • Interactions with us, which may include details of conversations that took place through chat, consumer quality service, and/or consumer advisory service;
 
 • Demographic information: your age, gender;

 • Browsing history, such as visited pages, date of visit, and location during the visit;

We may also indirectly collect personal data about you from social networks, third-party websites, or applications promoting our products when you interact with content related to our products and services, for example, when you click, share, or comment on such content.

On what basis and why do we collect and process your data?

We collect your personal data to provide you with the best online experience and during our seminars, as well as to ensure the quality of our products and services. In particular, we may collect, hold, use, and disclose your personal data for the following purposes:

 • to process and respond to your inquiries and requests, whether by email, telephone, or through our websites;
 
 • to develop and improve our products, services, communication methods, and the functionality of our websites and/or applications;
 
 • to communicate with you and manage your registration and/or subscription to our newsletter service or any other communication service;
 
 • to better understand and assess consumer interests, desires, and evolving needs in order to improve our websites/applications, products, and services, and/or develop new products and services;
 
 • to provide you with personalized products and tailored communications, and to recommend products based on your consumer needs.


When necessary, we will seek your consent to process your personal data. If you have given consent for the processing activities of your personal data, you have the right to withdraw this consent at any time. We may also have a legitimate need to process your personal data in the performance or monitoring of an order we have with you, to ensure the security of our events and computer systems, or to comply with legal or regulatory obligations.

Who has access to your personal data and where is it stored?

When your personal data is processed by our service providers outside the European Economic Area (EEA), Riviera MultiFinance takes all necessary measures to ensure that this international transfer of data has an adequate level of security and guarantees. Therefore, we ensure:

 • the inclusion in our service providers' contracts of standard contractual clauses approved by the European Commission, which allow compliance with the security levels required by European regulations;

 • the storage of your personal data on secure servers and limited access to authorized Riviera MultiFinance staff for the purposes described in this Policy.

We share data with external service providers only when necessary to fulfill your requests or to improve the quality and accessibility of our services.

The providers we have selected ensure that they provide solutions that comply with European regulations on personal data, including the implementation of technical and organizational measures to ensure the secure storage of your personal data for the duration necessary to fulfill the intended purposes. They are also required to comply with certifications issued by supervisory authorities attesting to their processing of personal data in accordance with European regulations.
You can obtain a list of the categories of service providers we work with and the data we share with them by sending an email to info@riviera-multiFinance.com.
Your personal data will not be shared or disclosed for purposes other than those described in this Policy. However, we may be required to disclose your data in cases where their communication is required by law and/or government authorities.

How is the security of your personal data ensured?

Riviera MultiFinance takes measures to protect and secure your personal data through technical and organizational measures, including on all websites it controls, to ensure their confidentiality and prevent them from being altered, damaged, destroyed, or disclosed to unauthorized third parties. Specifically, we use access controls, firewalls, secure servers, and encrypt your personal data.

Although Riviera MultiFinance takes reasonable measures to protect your personal data, no transmission or storage technology is completely infallible. In accordance with applicable European regulations, in the event of a proven breach of personal data that may pose a high risk to the rights and freedoms of the individuals concerned, we undertake to report this breach to the competent supervisory authority and, when required by said regulations, to the individuals concerned.

Cookies and Other Technologies

Through our use of cookies and other technologies, we may automatically collect personal data about you. This may occur when you visit our websites or third-party websites, view online commercial offers, or use our mobile or third-party applications.

The collected information may include, in particular, information about your device's browser and operating system, the IP address and location of the device you are using, the pages of our websites that you visit, and the links you click on while interacting with our services.

We use cookies only to compile audience statistics and offer you products and services that may be of interest to you on our websites.

More information is provided on this subject in our Cookie Policy.

What are your rights and how can you invoke them?

Subject to the limits provided by regulations, and in particular our legitimate interest in processing your personal data to fulfill your orders or comply with legal obligations, you have the following rights with regard to your personal data:

 • the right to information about the processing of your personal data;

 • the right to access your personal data and the conditions of their processing;

 • the right to rectify your personal data when they are no longer up to date;

 • the right to erase your personal data;

 • the right to restrict the processing of your personal data;

 • the right to withdraw your consent to the processing of personal data for the future when your data is processed on this basis;

 • the right to lodge a complaint with a supervisory authority if you believe your rights are not being respected.

What is a cookie?

Cookies are usually small text files stored on the user's device from the visited website. They are used to record certain browsing interactions by storing data that can be updated and retrieved. These files are stored on the user's computer and contain anonymous data that is not harmful to your computer.
They are used to remember user preferences, such as the selected language, login data, or page customization.
Cookies can also be used to record anonymous information about how a visitor uses a website. For example, from which web page you accessed it, or if you used an advertising "banner" to access it.

Why do we use cookies?

The developer only uses necessary and essential cookies to allow you to use this website and to enable you to navigate freely, use secure areas, personalized options, etc. Additionally, the developer uses cookies to collect data related to the analysis of website usage. These are used to help improve the quality of service and the customer experience by measuring the use and performance of the page, optimizing and customizing it. This website may have links to social media platforms (such as Facebook, Instagram, LinkedIn, Snapchat, or Twitter). The developer does not control the cookies used by these external platforms. For more information about cookies related to social media or other platforms, please refer to their respective cookie policies.

What are the different types of cookies that may be used on this website?

Session cookies: Session cookies are those that last as long as the user navigates the website and are deleted at the end.

Persistent cookies: These cookies are stored on the user's device for a longer period, making it easier to control the chosen preferences without having to repeat certain settings each time you visit the site.

First-party cookies: These are cookies created by this website and can only be read by the website itself. For example: technical cookies for image downloads, cookies for web settings customization, cookies for traffic analysis, etc.

Third-party cookies: These are cookies created by third parties that we use for different services (e.g., website analysis or advertising). Depending on their objectives.

Technical cookies: Technical cookies are those that are essential and strictly necessary for the proper functioning of a web portal and the use of the different options and services offered. For example, those used for session maintenance, response time management, performance or validation of options, use of security elements, content sharing with social networks, etc.

Personalization cookies: These cookies allow the user to specify or customize certain features of the general web page settings. For example, setting the language, local settings, or browser type.

Analytical cookies: Analytical cookies are used by our web portal to develop navigation profiles and know the preferences of its users in order to improve the offer of products and services. For example, using an analytical cookie, the major geographical areas of interest for a user would be controlled, etc.

Advertising cookies: Advertising cookies allow the management of advertising spaces based on specific criteria. For example, access frequency, edited content, etc. These cookies enable the management of advertising by storing information on behavior, observing habits, studying access, and creating a profile of user preferences, providing advertising related to the user's profile interests.

Mostly used cookies: 

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