Terms and conditions of use
Welcome to support.habic.com. By using this site, you confirm that you have read, understood and accept these Terms and Conditions. If you do not agree with any of the points below, you should stop using the service.
1. Object
habic.com is a specialized digital service, assisted by Artificial Intelligence, which connects financial intermediaries, banking institutions and customers, facilitating credit intermediation processes.
2. Access and Use
2.1. Access to the site is only permitted to users aged 18 or over.
2.2 Use of habic.com must comply with applicable legislation, including financial and data protection regulations.
2.3 It is forbidden to use the site for illegal, abusive, fraudulent purposes or to harm third parties or the operation of the service.
3. User account
3.1. Some services may require you to create an account and provide true and up-to-date data.
3.2 Users are responsible for maintaining the confidentiality of their credentials and for all actions carried out through their account.
4. Available services
4.1. habic.com uses Artificial Intelligence systems to optimize the connection between customers, intermediaries and financial institutions.
4.2. The service does not provide personalized financial advice and does not intervene as a party in the credit operations carried out.
4.3 Approval of any credit application is not guaranteed.
5. Responsibilities
5.1. habic.com undertakes to keep the site functional and secure, but does not guarantee continuous availability or total absence of errors.
5.2 We shall not be liable for any loss or damage resulting from the use of the website or decisions made on the basis of the information provided.
5.3 The user undertakes to use the service lawfully and not to cause damage to third parties or to habic.com itself.
6. Data Protection
Personal data is processed in accordance with applicable legislation and our Privacy Policy, which we recommend you consult.
7. Intellectual property
All content, brands, texts, graphics and software on habic.com are the property of Finsolutia, SA and are protected by law. Unauthorized reproduction, distribution or use is prohibited.
8. Cookies
The Habic website uses cookies to ensure that the platform (support.habic.com) functions correctly. If you do not accept cookies, some parts of the site may not function properly.
9. Changes to the Terms
habic.com may update or change these Terms and Conditions at any time. Your continued use of the site following the posting of changes will be deemed acceptance of those changes.
10. Applicable Law and Jurisdiction
These Terms are governed by Portuguese law. For the resolution of disputes, the Lisbon District Court is competent.
Cookie Policy
This Cookies Policy is part of the Privacy Policy of the support.habic.com website, a trademark of Finsolutia (hereinafter referred to as the "Website").
Accessing and browsing the Website, or using its services, implies acceptance of the terms and conditions contained in the Privacy Policy.
In order to provide and guarantee a better browsing experience through the Support Habic Website, we inform you that we use Cookies or other files with similar functionality (hereinafter referred to as "Cookies").
Due to the way communication rules work on the Internet, access to the Website may involve the use of Cookies. Finsolutia is responsible for the Cookies and for the processing of the data obtained through them, whether its own or from third parties, through its Website, deciding on the purpose, content and use of the processing of the data collected.
What are cookies?
Cookies are files containing small amounts of information that are downloaded to the user's device when they visit a web page.
Its main objective is to recognize the user each time they access the website, and also to improve the quality and offer better use of the website, with a view to simplifying navigation.
Cookies are essential for the functioning of the Internet; they do not damage the user's equipment or device and, if they are activated in the browser settings, they help to identify and resolve possible page malfunctions.
Use of Cookies by HABIC
By accessing the Website, the user expressly accepts the use of this type of Cookies on their device.
If you disable Cookies, browsing the Website may not be optimized and some of the features may not work properly.
Specifically, Finsolutia uses Cookies for the purposes identified below. Should Finsolutia use other Cookies to provide more and better services, the user will be duly informed.
Categories of Cookies used on the Website:
Essential Cookies:
They are essential to enable you to browse our website and access resources such as your profile and exclusive areas for customers. They do not store information that can be used for marketing purposes, nor do they know which websites you have visited on the Internet. This category of Cookies cannot be deactivated.
Cookie name | Origin | Expiration date | Description and Purpose |
CookieConsent | support.habic.com | 1 year | Stores the user's cookie consent status for the current domain |
Analytical Cookies:
They make it possible to quantify the number of users and carry out measurements and statistical analyses of how users use our website. Website navigation is analyzed with the aim of improving the offer of products and services. This data is collected and processed anonymously. They are mostly third-party cookies and are merely functional in nature, so they are not strictly necessary or essential.
Cookie name | Origin | Expiration date | Description and Purpose |
CookieConsent | support.habic.com | 1 year | Stores the user's cookie consent status for the current domain |
Advertising Cookies:
They allow us to efficiently manage the offer of advertising space on our website, analyzing browsing habits and displaying advertising related to the user's browsing profile. These are mostly third-party cookies and are merely functional in nature, so they are not strictly necessary or essential.
Cookie name | Origin | Expiration date | Description and Purpose |
r/collect | Doubleclick.net Session | 1 year | Used to send data to Google Analytics about the visitor's device and behavior. Follows the visitor between devices and marketing channels. |
Preference Cookies:
They allow the website to store information that changes the behavior or presentation of the page, such as the default language or the geographic region where it is located.
User Configuration to Avoid Cookies
Under the terms of the legislation in force, information is provided on how the user can configure their browser to manage and maintain their privacy and security in relation to Cookies, through links to the official support pages of the main browsers, so that they can decide whether or not to accept the use of Cookies.
You can block cookies using your browser's configuration tools.
It is understood that the user accepts the use of Cookies if they continue browsing this page without previously deactivating them.
Cookie settings can also be changed in your browser preferences by following the instructions in the links below:
Other considerations
If you have any doubts or questions about the management of Cookies, you can send your questions to the following email address: [email protected].
Habic reserves the right to change this policy at any time. In any case, Finsolutia will always reflect all changes transparently and visibly in this Cookies Policy. Whenever this policy is changed, the update date will be revised at the top of this document. We recommend that you read this Cookie Policy regularly to learn how Finsolutia protects your data.
Privacy Policy
Personal Data Protection
Finsolutia undertakes to process all personal data within the scope of its activity in accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council of April 27, 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data. Finsolutia has adopted the technical and organizational measures deemed appropriate for the protection of personal data, in order to prevent their loss, misuse, alteration, unauthorized access and theft of the data provided.
To this end, Finsolutia undertakes to:
To collect only the personal data strictly necessary for the exercise of its commercial activity or for the management of human resources (in the event that the data subjects are Finsolutia employees);
Whenever legally required, collect the consent of the data subject directly and in advance, obtaining their authorization to use the data in the context of the company's activity;
Not to share the information of data subjects with other entities that do not have the technical and organizational measures necessary to guarantee the application of the legislation;
Inform the data subject, in accordance with the applicable legislation, of any
anomalous situations that have occurred and which may represent significant risks
to their fundamental rights and freedoms.
In addition, Finsolutia assures data subjects that their data are:
Handled in a lawful, fair and transparent manner;
Collected for specific, explicit and legitimate purposes;
Adequate, relevant and limited to what is necessary for the purposes of the processing;
Only kept for the period strictly necessary for the purposes for which they are processed;
Treated in such a way as to guarantee their security, including protection against unauthorized or unlawful processing, accidental loss, destruction or damage.
Finsolutia also guarantees data subjects the following rights:
Easily obtain confirmation as to whether or not your personal data is being processed;
Rectify or delete your personal data, or limit its processing;
To know and be informed about the purposes of the processing, the period during which the data will be processed, the identity of any recipients, the logic of any automated processing and, at least when there is profiling, the consequences thereof;
To receive your personal data in a structured, commonly used, machine-readable and interoperable format (capable of being read and processed by any organization), so that it can be transmitted to another controller;
File a complaint with Finsolutia for any situation that you consider anomalous in relation to the protection of your personal data or your privacy.
For the exercise of its rights, as well as for other issues related to the protection of personal data, Finsolutia has appointed a member of the organization to perform the duties of Data Protection Officer, whose responsibility is to ensure the existence and continuous improvement of the technical and organizational measures necessary for the effective protection of personal data and the privacy of data subjects.
To exercise these rights, Finsolutia users can contact our offices:
Lisbon: Av. dos Combatentes, n.º 43, 12.º piso, 1600-042 Lisboa
Madrid: Calle de Cardenal Marcelo Spínola, 14, 1ª planta, 28016 Madrid
The Data Protection Officer is also responsible for:
Promote the integration of technical and organizational measures in the field of data protection and privacy into the company's policies, processes and procedures;
Promote awareness-raising actions on these matters for Finsolutia employees or relevant third parties;
Supervising the management of any anomalous situation with a negative impact on the fundamental rights and freedoms of data subjects;
Promote the swift execution of access validation processes assigned to users of the company's information and communication systems;
Promote regular internal or external audits to validate compliance with established data protection and privacy rules and applicable legislation;
Issue opinions on the results of the PIAs or DPIAs carried out by the organization;
To be the single point of contact between the company and the local Data Protection Authority, as well as between Finsolutia and the data subjects.
Retention of Personal Data
Finsolutia will keep your personal data for the time necessary to provide the requested service and/or fulfill the purpose of the processing and, subsequently, for the legal periods applicable in each case, taking into account the type of data and the purpose of the processing.
In any case, the user may request detailed information on the applicable retention periods by contacting our Data Protection Officer at [email protected].
Changes to the Privacy Policy
Finsolutia reserves the right to modify its privacy and data processing policy at any time. In any case, Finsolutia undertakes to reflect all changes in a transparent and visible manner in this privacy policy. Whenever the policy is changed, the update date will be revised at the top of this document. We recommend that you periodically read this Privacy Policy to find out how Finsolutia protects your data.
Legal Notice
Welcome to support.habic.com (hereinafter the "Site").
1. general information
This website is the property of Finsolutia, SA, with registered offices at Avenida dos Combatentes, 43, 12º piso, 1600-042 Lisboa, registered at the Lisbon Commercial Registry Office under the registration and legal person number 508109388.
2. Object of the site
habic.com is a specialized platform, assisted by Artificial Intelligence, which connects financial intermediaries, banks and clients. The Site is intended to provide information on the platform's services and to facilitate financial intermediation, without this constituting personalized financial advice or a binding contractual offer.
3. Intellectual property
All the contents of the Site - including texts, images, software, databases, logos and brands - are the property of Finsolutia, SA or third parties who have authorized their use, and are protected by intellectual and industrial property laws. Reproduction, modification, distribution or any other use without express authorization is prohibited.
4. Responsibility
Finsolutia, SA endeavors to ensure that the information on the Website is reliable and up-to-date. However, it does not guarantee the total absence of errors, omissions or interruptions in the operation of the platform, and shall not be liable for direct or indirect damages that may result from its use.
5. Artificial Intelligence and Automated Decisions
The platform uses Artificial Intelligence systems to facilitate the connection between intermediaries, banks and clients. Although the algorithms are developed to optimize processes, the final decisions regarding credit agreements and other financial operations always depend on the parties involved, and do not replace human analysis or expert financial advice.
6. Links to Third Party Sites
The Site may contain links to external websites. Finsolutia is not responsible for the content, practices or privacy policies of these sites.
7. Personal Data Protection
The processing of personal data collected through the Website is carried out in accordance with the applicable legislation and our Privacy Policy, which we recommend you consult.
8. Applicable Law and Jurisdiction
This Legal Notice is governed by Portuguese law. For the resolution of disputes related to the use of the Site, the jurisdiction of the district court of Lisbon shall apply.