Privacy Policy

Introduction

visionleaderio B.V. ("we", "our", or "us") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our services or visit our website at visionleaderio.pro.

We are the data controller for the purposes of the General Data Protection Regulation (GDPR) and other applicable data protection laws in the Netherlands and European Union.

Data We Collect

The types of data we collect and process depend on how you interact with our services. We collect personal data that you provide directly to us, as well as information collected automatically through your use of our website and services.

Information You Provide to Us

• Contact information (name, email address, phone number, postal address)
• Financial information (income, expenses, credit history, bank details)
• Employment information (employer details, salary, employment history)
• Property preferences and housing requirements
• Communications with us (emails, phone calls, meeting notes)
• Documentation provided for mortgage applications

Information Collected Automatically

• Website usage data (pages visited, time spent, click patterns)
• Device information (IP address, browser type, operating system)
• Cookies and similar tracking technologies
• Location data (where permitted)

How We Use Your Information

We use your personal data for specific purposes based on legitimate legal grounds. Here's how we use your information and our legal basis for processing:

Service Provision (Contract Performance)

• Providing mortgage advisory and credit repair services
• Processing and submitting mortgage applications
• Communicating with lenders and third parties on your behalf
• Providing ongoing support and guidance

Business Operations (Legitimate Interest)

• Improving our services and website functionality
• Customer service and support
• Marketing and promotional activities (where consented)
• Fraud prevention and security

Legal Compliance

• Meeting regulatory requirements in financial services
• Anti-money laundering and know-your-customer checks
• Record keeping for audit and compliance purposes

Cookies and Tracking Technologies

We may use cookies and tracking technologies for analytics, advertising, and remarketing purposes, including Google Ads. These technologies help us measure campaign effectiveness, deliver relevant advertisements, and improve our services. You can manage your cookie preferences at any time through our cookie consent banner.

For detailed information about the cookies we use, please see our Cookie Policy.

Data Sharing and Disclosure

We may share your personal data with trusted third parties in the following circumstances:

• Mortgage Lenders: To process your mortgage applications and secure financing
• Credit Reference Agencies: To check your credit history and report mortgage activity
• Professional Service Providers: Including solicitors, surveyors, and valuers
• Technology Partners: For website hosting, analytics, and customer management systems
• Regulatory Bodies: When required by law or regulation
• Legal Authorities: When legally obligated or to protect our rights

We ensure all third parties have appropriate data protection measures in place and only process your data for the specific purposes we've outlined.

Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, comply with legal obligations, and protect our legitimate business interests.

• Client Records: Retained for 7 years after the end of our relationship, as required by financial services regulations
• Marketing Data: Until you withdraw consent or we determine it's no longer needed
• Website Analytics: Typically retained for 26 months (Google Analytics default)
• Communication Records: Retained for 3 years for quality assurance and training purposes

Your Rights

Under GDPR and Dutch data protection law, you have several rights regarding your personal data:

• Right of Access: Request copies of your personal data
• Right to Rectification: Request correction of inaccurate or incomplete data
• Right to Erasure: Request deletion of your personal data in certain circumstances
• Right to Restrict Processing: Request limitation of how we process your data
• Right to Data Portability: Request transfer of your data to another service provider
• Right to Object: Object to processing based on legitimate interests or for marketing purposes
• Right to Withdraw Consent: Withdraw consent for processing where consent is the legal basis

To exercise any of these rights, please contact us using the details provided below. We will respond to your request within one month of receipt.

Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Regular security assessments and updates
• Access controls and staff training
• Secure hosting and backup systems
• Regular monitoring for security breaches

International Data Transfers

We primarily process data within the European Economic Area (EEA). When we transfer data outside the EEA, we ensure appropriate safeguards are in place, such as Standard Contractual Clauses or adequacy decisions by the European Commission.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website and updating the "Last updated" date at the top of this page.

Contact Information

If you have any questions about this Privacy Policy, wish to exercise your rights, or need to contact us about data protection matters, please contact us: