Summary of Key Information
This Privacy Policy provides a comprehensive overview of how we handle your personal information. Below is a summary of each area, with additional details available in the corresponding sections:
Who We Are
'TripleA' is a trading name of 'ETV Limited' (referred to as "we," "us," "our," or the “Company”), a company registered in Malta, Europe (Company registration number: C5698).
Applicable Laws
As a Company Registered in Malta and operating under Maltese Law, the primary privacy laws applicable to us concerning you are as follows:
All of the above, as may be amended from time to time, are collectively referred to as the ‘Data Protection Laws.’
Information We Collect
We collect personal information about you when you visit our stores, utilize our webshop ("websites"), or communicate with us via phone, email, or social media. We refer to our websites as "Online Services."
The types of personal information we collect include:
When you use our Online Services, the information we collect includes:
More information is available in our Cookie Policy.
You may provide personal information in various situations, including when you:
How We Use Your Information
Data protection law outlines several lawful bases upon which a company may collect and process your personal information. These include:
The table below provides examples of circumstances under which we might rely on these lawful bases:
Contract:
Consent:
Legitimate Interest:
Legal Obligations
Vital Interests
We may need to reach out to you in the event of urgent safety or product recall notifications, or when we reasonably believe that processing your personal information will help prevent or mitigate potential harm to you.
When we process your information based on Legitimate Interests, we will have assessed this processing and weighed it against your rights and freedoms.
More Sensitive Information
Under data protection legislation, certain types of personal information are classified as more sensitive. This includes details about a person's racial background, specific beliefs, or health conditions, and can also encompass information related to criminal activities.
We do not anticipate processing any of your more sensitive information unless it becomes pertinent to our interactions with you or if you voluntarily provide such information. For instance, this may occur if you have a vulnerability or health condition relevant to our dealings with you, if you experience a medical emergency or accident, if the information pertains to a legal dispute or complaint, or if it relates to criminal activities affecting our business. In the rare instances when we do process more sensitive information, we do so strictly in accordance with data protection laws (for example, when we have your consent, to safeguard someone's vital interests, or to prevent or detect criminal activity) or as mandated by law.
How we utilize your information for automated decision-making
We occasionally employ systems to make automated decisions using your personal information or the information we are permitted to gather from other sources about you or your business (such as when we conduct credit or internal fraud assessments). This approach enables us to ensure that our decisions are swift, fair, efficient, and accurate, based on the data we possess. These automated decisions may influence the products, services, or features we can offer you currently or in the future, as well as the pricing we set for them.
You possess certain rights regarding automated decisions:
If you would like more information about these rights, please do not hesitate to contact us.
How we safeguard children and customers in vulnerable situations
We recognize the significance of protecting individuals who may be in vulnerable situations or who are children, particularly when they are registering for one of our FCA-regulated products, such as applying for credit or insurance.
Children’s information
We do not permit individuals under the age of 18 to enroll in credit or insurance products. Our online services are designed for adults, and we do not knowingly collect, anticipate collecting, or store information about children. If a child happens to visit our website, we implement the highest standards of privacy by design, collecting only the minimal information necessary.
Customers in vulnerable situations
At times, we may need to manage more sensitive information related to customers with vulnerabilities or those in vulnerable circumstances. This could include, for example, details regarding their medical conditions or symptoms. We do this to assist customers who require additional support. We only gather the least amount of information necessary to achieve this and retain it only for as long as is reasonably required.
How we employ information for analysis
We analyze customer and transactional data to comprehend customer attitudes and their likelihood of acting in a certain manner in the future. We utilize algorithms to categorize customers into segments based on their socio-demographics, the frequency of their interactions with 'TripleA,' the size and type of their purchases, and the feedback they provide through surveys.
We analyze customer data to:
We may also conduct analytical activities on information that has been fully anonymized.
Digital advertising and personalization
We advertise across various digital platforms using both targeted and non-targeted advertising. For targeted advertising, we may use information obtained through cookies or similar technologies in your web browser to display ads to you, which you may encounter on other websites or digital platforms. We will seek your consent to implement these types of cookies and similar technologies through our website's cookies consent mechanism. Further information can be found in our Cookie Policy.
To ensure that suitable ads are displayed, we collaborate with partners and agencies to analyze and prepare the information, as well as to measure the effectiveness of our advertising. Please see the section below titled ‘Who we share your personal information with.’ When applicable, we or our advertising partners will merge this information with your transaction details and other data, such as your cookie consent instructions and information from external or publicly available sources. By creating a more comprehensive view of your preferences in this manner, we can ensure that you see the ads that are most pertinent to you. We also utilize this information to ensure you do not receive irrelevant ads.
Our digital advertising includes promotions across social media platforms. The media owners we most frequently collaborate with are Meta (which owns Facebook and Instagram) and Google (which owns YouTube). The individual privacy policies are provided for your reference.
We will also leverage the information we have on existing customers for modeling purposes to help identify potential new customers who may have an interest in our products.
Who we share your personal information with
We share personal information within the ‘TripleA group’ Members of TripleA who receive this information are not authorized to use or disclose the information except as outlined in this Privacy Policy.
When we share your information with third parties, we will conduct due diligence before disclosing any information to them and will have robust contracts in place that address the security of any shared information.
Our service providers
We collaborate with partners, suppliers, insurers, and agencies so they can process your personal information on our behalf and only where they meet our standards regarding information processing and security. We share only the information necessary to assist them in providing their services to us or to help them serve you. For instance, some of our service providers handle online advertising for us regarding our products and services, as well as those of our retail partners, suppliers, and third parties. Consequently, if you have indicated that you are open to receiving online marketing from us in our cookie preference center, you may see online advertisements that we or our partners have placed on the websites you visit or the interactive services you use.
Our third-party service providers include:
When you request us to deliver your purchases either to the store (via ‘Click & Collect’) or another location, we will also share your address and contact details with our delivery partners, such as Maltapost, Fastdrop or ETV Logistics, to ensure a successful delivery. These partners may reach out to you to provide periodic updates regarding your delivery.
Other organizations and individuals
We may also transfer your personal information to other organizations under certain circumstances. For example:
Credit Reference Agencies and Insurance
To process your application, we will share your personal information with credit reference agencies (“CRAs”), and they will provide us with information about you. This will include data from your credit application as well as details regarding your financial situation and history. CRAs will supply us with both public information (including the electoral register) and shared credit, financial situation, and financial history information, along with fraud prevention data. We will utilize this information to:
We will also continuously exchange information about you with CRAs, including information regarding your settled accounts and any debts that are not fully repaid on time. CRAs will share your information with other organisations. Your information will also be linked to that of your spouse, any joint applicants, or other financial associates.
Sharing your information with lending partners
We will share your information with our lending partners (where ‘TripleA’ serves as the credit broker and is not the lender) when you apply for a credit account. We will do this to facilitate an agreement with you and manage the agreement throughout its duration. Our lending partners and ‘TripleA’ will continue to share your information while you utilize the credit facility, including details regarding your credit application, purchases, and transaction history (which is not limited to credit purchases and includes any that are not fully completed). Lending partners and ‘TripleA’ will also between themselves share the lending decision, the status of your account and your remaining balance.
We may utilize and share your information for the purposes of assessment and analysis, which includes credit or behavior scoring (or both), as well as other related inquiries such as product analysis. Additionally, we may employ this information to generate statistical reports, although these reports will not include any personally identifiable information pertaining to our customers.
International Transfers of Your Personal Information
As a business based in Malta, we will manage your personal information within Malta, EU. Occasionally, we may transfer your personal information outside of Malta (for instance, to our suppliers, service providers, or other companies within ‘TripleA’) for the purposes outlined in this Privacy Policy. Unless permitted otherwise by data protection law, if we transfer information to a country that is not recognized as having equivalent protections for information as Malta, we will implement appropriate safeguards to ensure that your information is protected in the same manner as it would be in Malta. This may involve establishing contractual protections (referred to as standard contractual clauses) and other organizational or technical measures designed to secure the information.
How Long We Retain Your Personal Information
The retention of different categories of documents is governed by various requirements as well as different legislation and regulations. We will retain your personal information for as long as you remain a customer. If you do not make a purchase or engage with us for a period of three years or longer, we will remove you from our marketing mailing lists. After you cease to be a customer, in most instances, we will retain your information for a maximum of seven years following the last time you interacted with us, or, if you have purchased insurance products, for up to seven years from the conclusion of the coverage.
We may keep your information for longer than seven years if we are unable to delete it due to legal, regulatory, or technical reasons. Additionally, we may need to retain it in order to assist with product recalls or safety notices. If we do so, we will ensure that your privacy is protected and will only utilize the information for those specific purposes.
We do not retain personal information in a format that can identify individuals for longer than is necessary.
It is important to note that anonymized or statistical data does not fall under the scope of this Retention Policy, as such data does not constitute identifying personal information.
Your Rights
The table below details the Data Protection Rights that are available to you:
Access to Information Held About You | You have the right to request information regarding the personal data we hold about you. This request is commonly referred to as a 'Data Subject Access Request.' If we determine that we are required to provide you (or someone acting on your behalf) with your personal information, we will do so at no cost. Prior to releasing personal information to you or to another individual on your behalf, we may request proof of identity and sufficient details about your interactions with us to enable us to locate your personal information. Except in exceptional circumstances, we will respond to your request within 30 days after we have received the necessary information or, if no such information is required, after we have received your request. You can request a copy of your information using this form or by utilizing the contact details provided below. |
Rectification of Information Held About You | If any of the personal information we maintain about you is incorrect or outdated, you have the right to request that we correct it. |
Data Portability | In certain situations, you possess the right to request a copy of your personal information from us or to have that information transferred to an organization of your choice in a format that is easily reusable. |
To Stop or Limit Our Processing of Your Information | You have the right to object to our processing of your personal information if we no longer have the right to use it, to have your information deleted if we are retaining it for too long, or to restrict its processing under specific circumstances. When we rely on our legitimate interests, as outlined under 'How We Use Your Information,' you may object to our use of your information for these purposes. If we acknowledge that your objection is valid under your rights provided by data protection laws, we will cease to use your information for those purposes permanently. If we do not agree, we will provide you with our justification for needing to continue using your information. You can request us to restrict the use of your personal information if:
Please be aware that we may be legally required to retain certain information. Before we can provide you with any information or correct any inaccuracies, we may ask you for additional details to assist us in responding to your request. |
Erasure | You have the right to request the erasure of your personally identifiable information, which is commonly known as the right to be forgotten. In some instances, we may not be able to fully delete your information, such as when we have a legal obligation to retain it. When deletion is possible, we will maintain an appropriate record of the request. |
Additional | Right to Withdraw Consent (when we rely on consent) - In the rare cases where we have relied on your consent to process your personal data (which we would have obtained following the necessary GDPR procedures), you may withdraw that consent at any time in a manner as straightforward as when you initially provided your consent to us. Right to Lodge a Complaint - You also have the right to submit complaints to the relevant Data Protection Supervisory Authority. The competent authority in Malta is the Office of the Information and Data Protection Commissioner (OIDPC). We kindly request that you attempt to resolve any issues you may have with us first, even though, as previously stated, you are entitled to contact the competent authority at any time. |
If you wish to exercise any of these rights, please contact us.
How You Can Prevent the Use of Your Personal Information for Direct Marketing
We will not send you direct marketing communications if you inform us not to do so. You can notify us in several ways:
You can find additional information in our Direct Marketing Charter at the end of this Privacy Policy.
Security Measures
We take our obligation to protect your information very seriously. All companies within ‘Appliance Hub’ employ physical, technical, and organizational security measures to safeguard the personal information you provide against loss, destruction, and unauthorized access by third parties. We accomplish this through various means, which include, but are not limited to:
To this end, we have established security policies, rules, and technical and organizational measures to protect the personal data we may control. All our members, staff, and data processors (including specific subcontractors and cloud service providers located within the European Union), who may have access to and are involved in the processing of personal data, are additionally contractually obliged to maintain the confidentiality of our users’ or recipients’ personal data, as well as to fulfill other obligations imposed by data protection laws.
Despite all of the above precautions, we cannot guarantee that data transmission or storage systems can be 100% secure. For further information about our security measures, please contact us in the manner described below.
Authorized third parties and external service providers acting as our data processors, with permitted access to your information (as explained in this Privacy Policy), are specifically required to implement appropriate technical and organizational security measures that may be necessary to protect the personal data being processed from unauthorized or accidental disclosure, loss, or destruction and from any unlawful forms of processing.
As stated above, these service providers (our data processors) are also bound by numerous other obligations in compliance with data protection laws, particularly Article 28 of the GDPR.
Links to Other Websites and Social Plugins
Our websites (including this Privacy Policy) contain links to other websites operated by other organizations that we do not control. This Policy does not apply to those external websites and applications, so we encourage you to read their privacy statements as well.
We utilize social plugins (buttons) from social networks such as Facebook, Google+, YouTube, Instagram, and X (formerly Twitter). Once a button is activated, the social network may retrieve information, regardless of whether you interact with the button or not. If you are logged into a social network, that network can associate your visit to the website with your user account. A social network cannot link a visit to websites operated by our other group companies unless you also activate the respective button there.
If you are a member of a social network and do not wish for that network to combine information obtained from your visit to our websites with information they hold about you, you must log out of the social network in question before activating the buttons.
Contact Us
If you would like to exercise any of your rights as mentioned above or have any inquiries regarding this Policy, please use the contact us section on our website.
Additionally, you can reach out to the Information and Data Protection Commissioner (IDPC) if you have any concerns or complaints about how ‘TripleA’ has managed your personal information: https://idpc.org.mt/. This Privacy Policy was last updated in December 2024 and supersedes all previous versions. This Policy is reviewed regularly, and if updates or changes are made, we may inform you either via email or through an announcement on our social media channels.
Direct Marketing Customer Charter
When you purchase a product or service online or in-store, or when you create an account with us, we collect personal information about you to inform you about our latest products, services, or offers. We may do this via post, email, text message, online, or through social media.
We will only use your personal information to send you marketing messages if we have a legal right to do so. This could be either with your explicit consent or where there is a ‘legitimate interest’, such as when we have a business or commercial reason for using your information. We will always provide you with the opportunity to opt out of marketing when we first collect your contact details and in every subsequent message.
We may ask you to confirm or update your marketing preferences if you purchase any new products or services from us in the future. We will also request this if there are changes in the law, regulation, or the structure of our business.
The personal information we hold about you consists of what you share with us, as well as the information we gather when you utilize our services, or from third parties we collaborate with, such as Experian. For further information on the third parties we work with and how we use your personal information, please refer to our Privacy Policy.
We also collect statistics regarding email openings and clicks, using industry-standard technologies to assist us in monitoring and enhancing our email communications.
We will not send unsolicited one-to-one (direct) marketing emails and/or SMS communications unless they adhere to the regulations set forth by the General Data Protection Regulations (GDPR), the Maltese Data Protection Act, Regulation (EU) 2016/679, and related guidance.
Specifically, our commitment to you includes the following:
Bought in Lists
We will only utilize bought-in lists for texts, emails, or recorded calls where we have evidence of opt-in consent that specifically names us.