Privacy policy

Privacy Notice Regarding the Processing of Personal Data

In this section, we inform you about the processing of your personal data and your rights under Regulation (EU) 679/2016 – the General Data Protection Regulation (GDPR), the national implementing legislation, and any decisions issued by the National Supervisory Authority for Personal Data Processing (ANSPDCP) regarding personal data protection.

Responsibility for Data Processing

Responsibility for data processing lies with the legal entity within Iomico, acting as the data controller, namely Indurion Trade SRL.

What Personal Data Do We Process?

In order to fulfill the processing purposes defined below, we process both personal data provided directly by the client when submitting a request, as well as other personal data voluntarily provided by the client or already held within an existing business relationship.

We also process data obtained from third parties (such as public authorities or specialized information providers), as well as data generated internally through processing activities.

These data generally fall into the following categories:

  • Identification data: name, surname, gender, personal identification number, ID series and number, date and place of birth, citizenship, nationality, etc.
  • Contact data: home/correspondence address, email address, landline phone number, mobile phone number, etc.
  • Contractual data: related to purchased (financial) products and services, including identification of financed products (e.g., unique serial numbers, special features) and provided guarantees.
  • Professional data: education level, profession, occupation, employer name, nature of activity, public position held.
  • Financial data: income, employment contract number, pension file number.
  • Family data: marital status, number of minor children, type of residence.
  • Creditworthiness data: monthly payment obligations, outstanding commitments, payment history and behavior.
  • Banking data: IBAN, transaction details/history, card number.
  • Vehicle-related data: registration number, chassis number, location, GPS data, etc.

In certain situations, to fulfill processing purposes arising from a client request, personal data may also belong to:

  • representatives or authorized persons
  • contact persons
  • co-debtors, guarantors, beneficial owners
  • family members
  • insurance beneficiaries
  • payment beneficiaries

These data are obtained from contractual documentation, and Iomico may not be able to directly inform these individuals. In such cases, the client is responsible for informing them.

Please do not provide special categories of personal data, such as data regarding trade union membership, political opinions, religious beliefs, or health status.

Why Do We Process Your Data and What Are the Legal Grounds?

1. Contract Execution / Pre-contractual Steps

For example:

  • issuing offers
  • processing financing requests
  • opening and managing accounts
  • providing services and payments

Legal basis: contract execution or pre-contractual steps at your request.

2. Legal Obligations

We are required to:

  • apply customer due diligence measures
  • identify beneficial owners and politically exposed persons
  • comply with anti-money laundering regulations

We also process data for:

  • financial/accounting purposes
  • audits
  • reporting to authorities
  • ensuring business continuity and security

3. Legitimate Interests

We process data for:

  • debt recovery
  • defending legal rights
  • fraud prevention

Legal basis: legitimate interest.

4. Marketing Purposes

With your explicit consent, we may process your data for:

  • newsletters
  • promotional materials
  • loyalty programs
  • surveys

You can withdraw consent at any time via:

  • email: office@iomico.ro
  • mail/courier: Independentei nr. 180 Braila, Braila, Postal code: 810047

Recipients of Your Data

Your data may be shared with:

  • Service providers acting as data processors
  • Authorities and institutions, including:
  • Ministry of Finance / ANAF
  • National Bank of Romania (CRC, CIP)
  • payment beneficiaries and banking systems (e.g., SWIFT, Transfond)
  • anti-money laundering authorities

Data Retention Period

We retain your data only as long as necessary:

  • 5 years (AML obligations)
  • 10 years (accounting documents, per accounting law)
  • according to legal prescription periods (for legal claims)
  • until withdrawal of consent (for marketing)

Your Rights

You have the following rights:

  • Right to information
  • Right of access
  • Right to rectification
  • Right to erasure
  • Right to data portability
  • Right to object
  • Right not to be subject to automated decision-making

To exercise your rights, contact:
office@iomico.ro

We may request additional information to verify your identity and will respond within one month.

Data Protection on Our Website

Protecting your privacy is very important to us.

The data controller for www.iomico.ro is Indurion Trade SRL.

This policy applies only to our website, not third-party websites.

Data Security

We implement technical and organizational measures to protect your data against:

  • loss
  • unauthorized access
  • misuse

These measures are regularly updated.

Collection and Processing of Data

Data You Provide

When contacting us or completing forms, your data will be processed for:

  • responding to requests
  • contract execution
  • pre-contractual steps

No profiling is performed based on IP data.

Automatically Collected Data

We use cookies to collect data when visiting our website.

Contact via Website

We process your contact data to respond to your inquiries.

Retention: 30 days, then deletion.

Your Rights (Website Context)

All GDPR rights apply equally to website-collected data.

Cookie Policy

What Are Cookies?

A cookie is a small text file stored on your device when visiting a website.

Cookies are not viruses.

Types of Cookies

  • Strictly necessary cookies
  • Performance cookies
  • Functionality cookies
  • Advertising cookies

Purpose of Cookies

Cookies help:

  • recognize returning users
  • improve user experience
  • store preferences

Managing Cookies

You can control cookies via your browser settings:

Internet Explorer, Firefox, Google Chrome, Opera, Safari

(Use your browser’s Help section for guidance.)