My Student Finance respects the privacy of its website visitors, in particular their rights regarding the automatic processing of personal data. We have therefore formulated and implemented a policy of complete transparency with our customers regarding the processing of personal data, its purpose(s), and the possibilities to exercise your legal rights in the best possible way.

If you require any additional information about the protection of personal data, please visit the website of the Dutch Data Protection Authority (Autoriteit Persoonsgegevens): https://autoriteitpersoonsgegevens.nl/nl.

Until you accept the use of cookies and other tracking devices, we will not place any non-anonymized analytical cookies and/or tracking cookies on your computer, mobile phone, or tablet. By continuing to visit this website, you accept these terms of use and the use of cookies and other tracking systems, unless we have provided another method of accepting cookies on our website.

The currently available version of this privacy policy is the only version that applies while visiting our website until a new version replaces the current version.

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Article 1 – Definitions
1. Website (hereinafter: “Website”): https://mystudentfinance.eu.
2. Controller:

myStudentFinance (Chamber of Commerce (KVK) number: 90722558 | VAT identification number: NL004837869B30), responsible for processing personal data.

Article 2 – Legal Basis for Processing
We process personal data under the following legal bases in accordance with Article 6 GDPR:
– Consent (Article 6(1)(a)) – When you voluntarily provide data or accept cookies.
– Contractual necessity (Article 6(1)(b)) – To fulfill agreements with users.
– Legal obligations (Article 6(1)(c)) – When required by law.
– Legitimate interest (Article 6(1)(f)) – For internal business operations, fraud prevention, and service improvement.

Article 3 – Collection of Data
1. Personal data collected:
– Identity information: Name, date of birth, BSN (Burgerservicenummer), address, phone number, email.
– Financial information: Payment details, bank account information.
– Online identifiers: IP address, cookies, and device information.
– Other information: Any additional information provided in the sign-up process or communications.
2. Purpose of processing:
– To provide and improve our services.
– To process transactions and verify identities.
– To communicate updates, offers, and newsletters.
– To comply with legal obligations.
– We reserve the right to use client data to execute the agreed-upon service.
3. External service providers:
– Jotform Ltd. – Contact form and client data storage (external signup form provider).
– Google Ads – Tracking and advertising services on our website.
– Moneybird – Financial data and invoice processing system.
– Cloud storage providers (e.g., AWS, Google Cloud).
– Payment processors (e.g., Stripe, PayPal).
– Marketing platforms (e.g., Google Ads, Meta Ads).
– Analytics providers (e.g., Google Analytics).
– Identity verification services (where applicable).
4. Plugins used on our website:
– Google Ads (tracking and remarketing tools).
– Jotform (external signup and contact form processing).
– Moneybird (invoice storage and processing).
– Google Analytics (website analytics tracking).

Article 4 – Sharing Data with Third Parties
1. We may share personal data with third parties in the following circumstances:
– When necessary to perform the contract (e.g., payment providers, identity verification services).
– When required by law, regulatory authorities, or in response to legal requests.
– When outsourcing specific tasks to external service providers, under strict data processing agreements.
– When necessary to protect our legitimate business interests (e.g., fraud prevention, debt collection agencies).
– With third-party partners for marketing purposes, only if consent has been given.
2. We ensure that any third parties we share data with comply with applicable data protection regulations and implement necessary safeguards.
3. Data shared for legal or regulatory purposes will only be disclosed upon valid legal requests from authorized bodies.

Article 5 – Your Rights
Under Articles 12-23 GDPR, you have the following rights:
1. Right to access – Request a copy of your data.
2. Right to rectification – Correct incorrect or incomplete data.
3. Right to erasure (“right to be forgotten”) – Request data deletion.
4. Right to restriction of processing – Limit data processing under certain conditions.
5. Right to object – Object to processing based on legitimate interest.
6. Right to data portability – Request transfer of your data.
7. Right to withdraw consent – Withdraw any previously given consent.

To exercise these rights, contact us at mystudentfinance@gmail.com. We may request identity verification but will ensure compliance with the principle of data minimization.

If you believe your rights have been violated, you may file a complaint with the Dutch Data Protection Authority: https://autoriteitpersoonsgegevens.nl/.

Article 6 – Data Retention
We retain personal data for:
– 2 years after the contract has ended, unless required otherwise by law.
– 7 years for financial data (invoices), as per Dutch tax regulations.
– Until consent is withdrawn for marketing communications.

Article 7 – International Data Transfers
Some service providers process data outside the EU/EEA. We ensure adequate safeguards, including Standard Contractual Clauses (SCCs) and compliance with GDPR requirements.

Article 8 – Automated Decision-Making & Profiling
We use analytics and tracking cookies that may result in profiling for marketing purposes. Users may opt-out via our cookie settings.

Article 9 – Cookies
1. Types of cookies used:
– Functional cookies (necessary for website functionality).
– Anonymized analytical cookies (to measure website traffic).
– Non-anonymized analytical cookies (to improve content and advertising).
– Tracking cookies (used for targeted ads; consent required).
2. Users can manage cookie preferences via our cookie settings.

Article 10 – Data Breach Notification
In case of a data breach, we will notify the Dutch Data Protection Authority within 72 hours and affected users when legally required.

Article 11 – Applicable Law
This privacy policy is governed by Dutch law. Any disputes shall be resolved in the District Court where My Student Finance is registered, unless otherwise required by law.

Article 12 – Contact
For questions regarding this policy, please contact us at:
– Email: my.studentfinance.nl@gmail.com 
– Chamber of Commerce (KVK) number: 90722558
– VAT Identification Number: NL004837869B30

Last updated: March 7, 2025.