PRIVACY & PROTECTION.
As a digital financing institution, the protection of your private integrity is the foundation of our contractual relationship.
Data Protection Policy
Confidentiality is not only a legal obligation for JBA FINANCES, it is a core value of our financial engineering. Our data protection charter aims to define with absolute transparency the methods of collection, processing, transfer, and storage of your information assets.
Every interaction with our services is governed by the General Data Protection Regulation (GDPR - EU 2016/679) and the directives of the competent supervisory authority.
By accessing our credit intermediation services, you acknowledge having read this charter. We process your data to configure loan solutions adapted to your profile, while ensuring top-tier anonymity and cryptographic security.
Legal Processing Basis
Contractual Necessity
Essential for the execution of the credit agreement or the completion of a loan simulation requested by the user.
Legal Obligation
Necessary to comply with banking regulations (KYC) and anti-money laundering measures.
Inventory of Collected Data
01. Identity & Contact
We collect your full civil attributes (Last Name, First Name), your communication details (Email, Phone), and your residential location information (Tax address). This data is essential to authenticate your profile and initiate the bank transfer protocol.
HIGH CONFIDENTIALITY02. Professional & Financial Situation
To analyze your real creditworthiness via our "Smart-Scoring" algorithm, we collect information relating to your income flows (salaries, pensions, dividends), your employment status (manager, employee, independent), and your recurring charges (rents, ongoing credits).
SENSITIVE DATASystemic Security
AES-256
Military-grade encryption for data at rest.
WAF FIREWALL
Active protection against cyber-attacks and intrusions.
ANONYMIZATION
Masking of sensitive data in our test environments.
Your Legal Rights
| Right | Operational Description |
|---|---|
| Access | Obtain a full copy of the data processed by our systems. |
| Rectification | Correct any obsolete or inaccurate information. |
| Erasure | Request the deletion of your data ("Right to be forgotten"). |
Data Retention
Support & DPO
Data Protection Officer (DPO)
If you believe that the processing of your data violates European legislation, or for any request to exercise your rights, our Data Protection Officer is your direct contact.
Digital Channel
info@jba-finances.comHeadquarters
1 VILLA SAINTE-CROIX 75017 PARIS
Version up to date as of 09/04/2026.
