Foreword 
Bennani & Marchal Associates Sàrl (hereinafter referred to as “Bennani & Marchal Associates Sàrl”) places great importance on respecting your privacy and understands how much it matters to you.
Therefore, Bennani & Marchal Associates Sàrl makes every effort to ensure that you can use the services offered on this website with complete confidence, particularly by processing your data transparently, in strict compliance with applicable data protection laws and regulations, and in accordance with your personal preferences.

 

Controller of Your Personal Data
The personal data concerning you that is collected through this website is subject to automated processing, for which the controller is:

Bennani & Marchal Associates Sàrl 
Address : 9-11, Rue Louvigny, 1946 Luxembourg

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When Is Your Personal Data Collected?
While using this website, Bennani & Marchal Associates Sàrl may collect your personal data at various points, including when:

• you browse the pages of the website,

• you subscribe to our information feeds (Newsletter, RSS feeds, notifications, etc.),

• you contact us (via the “Contact” section).

Bennani & Marchal Associates Sàrl ensures that only the data strictly necessary to provide the services you wish to use is collected.

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Purposes of Processing Your Personal Data (“Purposes”)
The personal data collected through this website is subject to digital processing for the following purposes:

• To provide you with the requested service or information

• To generate statistics and traffic analysis in order to improve the quality of the services offered

• To inform you about products, events, services, and offers from Bennani & Marchal Associates Sàrl and its partners, if you are subscribed to such information feeds (Newsletter, RSS feeds, etc.)

• To offer you personalized commercial offers or benefits as part of our loyalty program, if you are enrolled

• To send you advertising or marketing messages, provided you have given your consent

• To ensure the security of access to your personal data and detect any attempted cyber intrusions

• To manage your feedback through surveys in which you participate

• To invite you to participate in contests or sweepstakes

Legal Basis for Processing Your Personal Data
For each of the purposes listed above, the processing of your personal data is legally based on one of the following grounds:

• It is necessary for the performance of a contract between Bennani & Marchal Associates Sàrl and yourself, or for the implementation of pre-contractual measures taken at your request;

• It is necessary to comply with a legal obligation to which Bennani & Marchal Associates Sàrl is subject;

• You have given your consent to the processing;

• It is based on a legitimate interest recognized for Bennani & Marchal Associates Sàrl (such as fraud prevention, data and infrastructure security, etc.).

Compatibility of Data Processing with Stated Purposes
Bennani & Marchal Associates Sàrl ensures that your personal data is processed in full alignment with the purposes outlined above.
If your data is to be processed for a purpose other than the one originally intended, all necessary information will be provided to you in advance. You will then have the opportunity to object to this new processing.

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Nature of the Personal Data Collected
Your “personal data” refers to any information relating to you as a natural person that allows you to be identified, directly or indirectly.
The personal data that Bennani & Marchal Associates Sàrl may collect when you browse this website includes:

• Basic identification data, such as your first and last name, postal address, email address, phone numbers, etc.

• Technical connection and browsing data, such as the IP address of your device, the date and time of your connection, pages visited, browser characteristics (type, language, etc.) and device characteristics (type, resolution, etc.), cookies, etc.

• Geolocation data

• Publication data, such as your interests, opinions, comments, ratings, and messages posted via the website’s forums and community or social features.

Some of the information collected is mandatory to achieve the purposes described above, while others are optional. You will always be informed whether the information requested is mandatory or optional at the time of collection. If you do not provide certain mandatory fields, this may result in Bennani & Marchal Associates Sàrl being unable to provide the relevant product or service, or to guarantee the expected quality.

 

Recipients of Your Personal Data
The personal data collected about you through this website is intended exclusively for use by Bennani & Marchal Associates Sàrl. However, it may be shared with:

• Subcontracted service providers engaged by Bennani & Marchal Associates Sàrl to perform services such as website hosting and IT operations, newsletter distribution, and the management, processing, and payment of your online purchases.

• Commercial partners, provided you have given your consent to receive communications from them.

Lastly, Bennani & Marchal Associates Sàrl may be required to disclose your personal data to a third party at the request of judicial authorities or any legally authorized administrative authority.
Your data is not shared with any other third parties.
Bennani & Marchal Associates Sàrl also ensures that any authorized transfer of your personal data to third parties does not result in a transfer to a country outside the European Union.

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Retention Periods for Your Personal Data
The personal data collected and processed by Bennani & Marchal Associates Sàrl will be retained only for the duration strictly necessary to fulfill the intended purpose of the processing or to comply with a legal obligation under applicable legislation. Accordingly, Bennani & Marchal Associates Sàrl will retain:

• Up to 3 years from the end of the commercial relationship for data processed for commercial prospecting, marketing activities, and/or promotion of offers from Bennani & Marchal Associates Sàrl and its partners

• Up to 10 years from the end of the commercial relationship for data related to contractual matters (contracts, warranties, claims, collections & disputes, etc.) or accounting (invoices, purchase orders, delivery notes, etc.)

Protection of Your Personal Data
Bennani & Marchal Associates Sàrl implements appropriate and reasonable security measures in light of the risks associated with data processing, to protect your personal data from destruction, loss, alteration, unauthorized disclosure or access, and any other form of unlawful processing.
All employees and subcontractors of Bennani & Marchal Associates Sàrl who have access to your personal data as part of their duties are bound by strict professional confidentiality. They only access the data necessary to perform their tasks and are regularly made aware of or trained in compliance and security rules applicable to your personal data.

 

Your Rights
As long as Bennani & Marchal Associates Sàrl processes your personal data, you have the following rights at any time, within the limits set by law:

• To access your personal data (to know what data has been collected and processed and to obtain a copy), and to request its correction if it is inaccurate or incomplete, or its deletion if it is outdated

• To object to the processing of your data for legitimate reasons (particularly for marketing purposes)

• If the required conditions are met, to request the restriction of processing or the permanent deletion of your data (right to be forgotten)

• To request a copy of the personal data you have provided to Bennani & Marchal Associates Sàrl in a structured format (data portability), unless this infringes on the rights and freedoms of others

• To request not to be subject to a decision based solely on automated processing, including profiling, when such a decision produces legal effects concerning you or significantly affects you in a similar way. You may also request information about the logic behind such processing, challenge it, and request that it be reviewed by a human

• To withdraw your consent at any time for processing based on that consent

You can exercise any of these rights free of charge by contacting us:

• By email at: contact@bmarisk.com

• Or by postal mail at: 9-11, Rue Louvigny, 1946 Luxembourg

To fulfill your request and prevent identity theft, a copy of a valid ID (front and back) must be included with your message.
Bennani & Marchal Associates Sàrl is committed to responding within a maximum of one month from the receipt of your complete request.

You may also file a complaint with the Commission Nationale pour la Protection des Données (CNPD) via their website: www.cnpd.lu