Privacy Policy

1. General Information

HOME MORTGAGES ITALY S.r.l. (hereinafter "we" or "the company") is committed to protecting the privacy and security of our clients' personal data. This Privacy Policy describes how we collect, use, and protect your personal information in compliance with the General Data Protection Regulation (GDPR) and Italian regulations.

2. Data Controller

Company Name: HOME MORTGAGES ITALY S.r.l.
VAT Number: IT12345678901
Address: Via Mutui Casa 10, 00100 Rome (RM), Italy
Phone: +39 06 1234 5678
Email: privacy@homemortgagesitaly.it
Website: www.homemortgagesitaly.it

3. Personal Data We Collect

To provide personalized mortgage quotes and financing solutions, we collect:

3.1 Identification Data

• Name and surname
• Fiscal code or VAT number
• Date of birth
• Property ownership status

3.2 Contact Information

• Personal email
• Fixed and mobile phone numbers
• Complete property address
• Other contact details

3.3 Financial and Property Data

• Monthly income and employment status
• Existing debts and credit history
• Property value and desired loan amount
• Down payment amount
• Credit score information

3.4 Banking and Financial Data

• Bank account details for loan disbursement
• Income verification documents
• Tax returns and financial statements
• Existing mortgage information (for refinancing)

3.5 Government Program Data

• Eligibility for first-home buyer programs
• Age verification for young buyer incentives
• Residency status in Italy
• Requirements for government-backed loans

3.6 Web Navigation Data

• IP address and geolocation data
• Browser type and version
• Pages visited and time spent
• Device information

4. Purpose of Processing

We use your personal data to:

1. Generate accurate mortgage quotes
2. Verify creditworthiness and eligibility
3. Compare rates from partner banks
4. Process loan applications
5. Provide ongoing customer support
6. Comply with regulatory requirements

5. Legal Basis for Processing

• Contract Performance: Processing necessary for loan agreement execution
• Legal Obligations: Compliance with Italian banking and consumer protection laws
• Legitimate Interest: Providing personalized financial services
• Consent: Where required for specific marketing communications

6. Disclosure to Third Parties

6.1 Partner Banks

• Bank of Italy regulated financial institutions
• Credit information bureaus (Crif, Experian)
• Government agencies for program verification

6.2 Service Providers

• Credit scoring and risk assessment services
• Legal and notarial services
• Property valuation companies

6.3 Public Authorities

Data is shared only when required by:

• Bank of Italy and financial regulators
• Tax authorities for compliance
• Anti-money laundering agencies

7. Data Subject Rights

How to Exercise Your Rights

• Contact our Data Protection Officer
• Email: privacy@homemortgagesitaly.it
• Phone: +39 06 1234 5678

Response guaranteed within 30 days.

8. Data Retention

• Active Applications: 2 years after application completion
• Approved Loans: Duration of loan term plus 10 years
• Rejected Applications: 1 year for regulatory compliance
• Marketing Data: Until consent withdrawal

9. Information Security

Security measures implemented:

• Bank-level encryption (AES-256)
• Secure data transmission (SSL/TLS)
• Access controls and authentication
• Regular security audits
• Employee training on data protection

10. Cookies and Tracking

We use cookies to:

• Remember your preferences
• Analyze website usage
• Provide personalized content
• Improve user experience

11. Government Programs

For first-home buyer programs and young buyer incentives, we collect additional eligibility data as required by Italian government regulations.

12. Policy Updates

We may update this Privacy Policy periodically. Changes will be communicated via email or website notification.

13. Contact

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