We may share your personal data with third party recipients who typically are:

• selected individuals within Our companies, on a need-to-know basis;
• any service providers that may require access to your personal data in rendering Us with their services, including legal, accounting, billing, audit, insurance providers, consultants, and IT service providers;
• Banks;
• Local regulatory authorities or agencies such as Regulator for Energy and Water Services;
• Authorised consultative bodies and agencies dealing with financial and accounting matters including the Court of Auditors, Financial Irregularities Panel, Internal Audit Service and Anti-Fraud Office; and
• third parties, including but not limited to governmental institutions and authorities that may be of an executive, judicial or legislative nature, to whom disclosure may be required as a result of legal obligations imposed on Us.

We are a member (‘Member’) of the Malta Association of Credit Management (‘MACM’). The Member shall process Personal Data found herein according to applicable legislation, particularly, the Regulation [EU] 2016/679 (‘GDPR’) as well as the Data Protection Act, amongst others. If the Client is in default of this agreement, the Member has the right to pass on any information contained herein to MACM as well as to any legally entitled third party.

Where such a disclosure is carried out, MACM, as a Credit Referencing Agency, shall be deemed to be a Data Controller of the personal data it processes within its systems, in pursuance of its legitimate interests, such as promoting responsible lending, amongst others. For more info please visit https://www.macm.org.mt/dataprotection. Data Protection queries concerning MACM may be referred to its Data Protection Officer at dataprotectionofficer@macm.org.mt.

We do not share your personal data with any entity located outside of the EU or EEA unless required to do so at law.