Privacy Policy – Directva

Last Updated: July 8, 2026

1. Introduction

Welcome to Directva.net.

This Privacy Policy explains how ESSEPI HOLDING S.R.L. (“Directva”, “we”, “our”, or “us”) collects, uses, stores, protects, and processes your personal information when you visit our website or use our online services.

We are committed to protecting your privacy and processing your personal data fairly, lawfully, and transparently in accordance with applicable data protection legislation, including the General Data Protection Regulation (GDPR), where applicable.

By using this Website, you acknowledge that you have read this Privacy Policy.

2. Data Controller

ESSEPI HOLDING S.R.L.

Via Torino 4

37035 San Giovanni Ilarione (VR)

Italy

VAT Number: IT03427910231

Email: info@directva.net

Phone: +39 350 155 6189

WhatsApp: +39 350 155 6189

3. Information We Collect

Depending on how you interact with our Website, we may collect the following categories of information.

Personal Identification Information

Full name
Date of birth
Residential address
Email address
Telephone number
National identification information (where required)
Passport or identity document (when required)
Tax identification information (where required)

Financial Information

Where necessary for the evaluation of financing requests, we may collect information such as:

Employment status
Employer information
Monthly income
Financial obligations
Banking information
Requested loan amount
Repayment preferences

Technical Information

When you use our Website, we may automatically collect:

IP address
Browser type
Device information
Operating system
Language settings
Referral source
Pages visited
Date and time of access
Cookie identifiers

Communication Data

If you contact us, we may collect:

Email correspondence
Contact form submissions
Customer support requests
Telephone records where legally permitted

4. How We Use Your Information

We may process your personal information to:

Evaluate loan applications.
Verify your identity.
Perform affordability assessments.
Conduct fraud prevention checks.
Comply with AML and KYC obligations.
Respond to customer enquiries.
Improve our Website.
Maintain Website security.
Communicate with applicants.
Send important service notifications.
Comply with legal obligations.
Resolve disputes.
Exercise or defend legal claims.

Where you have given your consent, we may also send marketing communications. You may withdraw your consent at any time.

5. Legal Basis for Processing

Depending on the circumstances, we process your personal information on one or more of the following legal bases:

Your consent.
Performance of pre-contractual measures requested by you.
Performance of a contract.
Compliance with legal obligations.
Legitimate business interests that do not override your fundamental rights and freedoms.

6. Identity Verification

To comply with applicable laws and to protect against fraud, we may verify your identity using the information and documents you provide.

Failure to provide requested information may prevent us from processing your application.

7. Sharing Your Information

We may share your personal information only where necessary with:

Financing institutions.
Banking partners.
Identity verification providers.
Credit assessment providers, where permitted by law.
Anti-fraud service providers.
Payment service providers.
IT service providers.
Professional advisers.
Regulatory authorities.
Courts or law enforcement agencies where legally required.

We do not sell your personal information to third parties.

8. International Data Transfers

Where personal data is transferred outside your country of residence or outside the European Economic Area (EEA), appropriate safeguards will be implemented in accordance with applicable data protection laws.

9. Data Security

We implement appropriate technical and organizational measures to protect your information against:

Unauthorized access.
Accidental loss.
Disclosure.
Alteration.
Misuse.
Destruction.

These measures include secure servers, encrypted communications where appropriate, access controls, and ongoing security monitoring.

However, no system can guarantee absolute security.

10. Data Retention

We retain personal information only for as long as necessary to:

Process applications.
Comply with legal obligations.
Resolve disputes.
Prevent fraud.
Enforce our agreements.

Retention periods may vary depending on legal and regulatory requirements.

11. Cookies

Our Website uses cookies and similar technologies.

Please refer to our Cookie Policy for detailed information about the cookies we use and how you can manage your preferences.

12. Your Rights

Subject to applicable law, you may have the right to:

Access your personal information.
Correct inaccurate information.
Request deletion of your personal information.
Restrict processing.
Object to processing.
Withdraw consent where processing is based on consent.
Request data portability.
Lodge a complaint with the relevant supervisory authority.

Requests may be submitted using the contact information provided below.

13. Children’s Privacy

Our services are intended only for individuals who are at least 18 years of age.

We do not knowingly collect personal information from children.

If we become aware that personal information has been collected from a child, we will take appropriate steps to delete it promptly.

14. Third-Party Websites

Our Website may contain links to external websites.

We are not responsible for the privacy practices, security, or content of third-party websites.

Users are encouraged to review the privacy policies of those websites before providing personal information.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

Any changes will be published on this page together with the revised “Last Updated” date.

Continued use of the Website following publication of changes constitutes acceptance of the updated Privacy Policy.

16. Contact Us

If you have any questions regarding this Privacy Policy or wish to exercise your privacy rights, please contact: