Privacy policy


Effective Date


Information on personal data protection

Credit Analyst, owned by Mario Kurtović (hereinafter Credit Analyst), as the head of personal data processing, protects your privacy, and processes only personal data that are necessary for the purpose for which they were collected. The personal data we process is data about you as a client, collected during your visit to the website, and which may be directly or indirectly linked to you. These is the following information: first name and last name, telephone number(s) and e-mail address.

Purpose of processing and legitimate interest

The processing of your data based on our legitimate interests is subject to special rules that allow you to object to such processing at any time, based on your special situation. The legitimate interests on the basis of which Credit Analyst will process your personal data are:

Provision of Services – We collect and use your personal information, as described above, to provide you with the Services and to operate and improve the Services. These uses include providing access to the functions of the Services; providing the services you seek; providing more efficient customer service; providing technical support; facilitating the use of the Services; and conducting research and analysis aimed at improving our products, services and / or technologies.

Service Communications – We may send certain mandatory service communications, such as greeting letters and security announcements, by email, via the Services, or by SMS.

Use in marketing – when you sign up, we can also provide you with information about current activities, general announcements, upcoming products and services, changes to our products or services, and upcoming events. These communications may be sent by e-mail or text message and through the Services. We may also use your information for other purposes with your consent or if permitted or required by law. You may withdraw your consent to this use of your personal information by contacting us as set out below.


In order to improve your experience of browsing this website, we need to store a small amount of information (cookies) on your computer. According to the European Union regulations, we are obliged to ask for your consent before storing cookies. By using our website, you agree to the use of cookies. By blocking cookies, you can still browse the site, but some of its features will not be available to you. A cookie is information stored on your computer by a website you visit. Cookies usually store your settings, settings for a website, such as your preferred language. Later, when you open the same website again, the internet browser sends back the cookies that belong to that page. This allows the site to display information tailored to your needs. The default cookie saving and sending activities are not visible to you. However, you can change your internet browser settings so that you can choose whether to approve or reject requests to save cookies, delete saved cookies automatically when you close your internet browser and so on.

Third party tracking via the Internet

We use Google Analytics to obtain information about trends in user interactions with websites, for the purpose of administering the system and identifying problems and improving our services and products. Google Analytics uses first-party cookies to report visitor interactions. These cookies are used to store personally identifiable information, such as the time of the current visit, whether the visitor has been to that site before, and which website the visitor has uploaded to the website.

Learn more about Google Analytics here For Google’s privacy policy, go to For the Google Analytics opt-out tool, go to

Google Ads can be used to store visits to websites for the purpose of advertising on Google. Your browser stores cookies when you visit a website, which allows you to be recognized as a visitor when you load websites that belong to the Google Network. These pages offer you, as a visitor, ads related to content you have previously uploaded to some other websites. You can opt out of collecting data through Google Ads at

Source of personal data

We process personal data necessary to fulfil the above purpose.
We collect and process personal data fairly, lawfully, and transparently, and take care of their accuracy, completeness, timeliness and security.

Obligation to keep personal data

We undertake to keep your personal data in accordance with the highest applicable standards, which means that we will not disclose or make it available to third parties, except in the following cases:

if you expressly agree in writing to disclose certain confidential information for a specific purpose or to a specific person;

if the data are necessary for the Ministry of the Interior or the competent state attorney’s office for the purposes of performing activities within their competence;

if the information is necessary for the court or notary public for the proceedings it conducts, and the presentation of such information is required in writing;

in cases specified by REGULATION (EU) 2016/679 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL relating to the possibility and rules of the processing of personal data carried out on behalf of the client by the processors.

Recipients or categories of recipients of personal data

In all the above cases, we will disclose your personal data only to the above third parties and / or persons expressly prescribed in the above and other laws and regulations in force in the Republic of Croatia and they will not be passed on to third parties without legal obligation.

The period in which personal data will be stored

We will keep your personal data until the purpose for which it was collected is fulfilled and it will be deleted after the purpose is fulfilled.

Your rights

Right of access

You have the right to contact us at any time and obtain confirmation of whether your personal data is being processed and, if such data is being processed, to request access to personal data and information to which you are entitled in connection with the protection of personal data.

Right to correction

If we process your personal information that is inaccurate, you may at any time ask us to correct it, and if it is incomplete, you have the right to supplement it.

Right to delete

you have the right to ask us to delete personal data relating to you if we have processed them illegally or if personal data are no longer necessary for the purpose of processing, etc. Please note that there are reasons that prevent immediate deletion, such as posting, realization or defence of legal claims, about which we will inform you in detail in relation to each individual claim.

The right to limit processing

You can ask us to limit the processing of your data:

if you dispute the accuracy of personal information during a period that allows us to verify the accuracy of that information,

if the processing is illegal but you object to the deletion and instead seek to restrict the use of that data,

if we no longer need the data for processing purposes, but you are looking for them in order to set, implement and defend legal claims,

if you have objected to the processing.

The right to data portability

You have the right to receive your personal data provided to us in a structured, commonly used, and machine-readable format and you have the right to transfer this data to another controller, if the processing is based on consent or contract and is carried out automatically.

The right to object

You may object to the processing of your personal data at any time if the processing is based on our legitimate interests, including the creation of a profile or if we process your data for direct marketing purposes.

The right to withdraw consent

When processing is based on consent, you have the right to withdraw consent at any time, without prejudice to the lawfulness of consent-based processing before it is withdrawn. You can do the same in the same way as you gave your consent, as well as by e-mail: or by phone +385 98 920 17 13.

Right to compensation

If you have suffered (non)property damage due to violation of relevant legal provisions, you are entitled to compensation from us or the executor of processing for the damage suffered.

Exercising these rights, subject to the exceptions provided for withdrawing consent and filing a complaint, you can request by e-mail: or by mail to Credit Analyst, owned by Mario Kurtović, Bože Težaka 12, 10373 Ivanja Reka. In case of doubt, we may request additional information to verify your identity, thus protecting your rights and privacy.

Credit Analyst operates in accordance with the laws of the Republic of Croatia.

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