Learn how Formas Eficientes, S.A. and subsidiaries protect and handle your personal data.
The Privacy Notice covers the purposes for which we request your personal data, the care we take in processing it, the rights you have as a personal data owner, and the channels we make available to exercise them. We present this Notice in compliance with the principles, rights, obligations, and procedures of Law 81 of 2019, its regulations, Agreement 1-2022 of the Superintendency of Banks of Panama on personal data protection, and the special regulations issued by the regulator of each sector.
Yes, the Privacy Notice of Formas Eficientes, S.A. and subsidiaries may be modified, updated, or supplemented from time to time, at the discretion of Formas Eficientes, S.A. and subsidiaries, always in compliance with Law 81 of 2019 on personal data protection, as well as any other applicable law, agreement, or regulation, and will always be available, current, and updated on our websites.
For inquiries you wish to make about your personal data, you can contact Formas Eficientes, S.A. and/or subsidiaries, as applicable, through the following channels:
At Formas Eficientes, S.A. and subsidiaries, we collect, use, and process your personal data defined as data that identifies you or makes you identifiable (full name, ID, email, mobile phone, phone) for the purpose of offering you related products and services, with your prior consent or by virtue of compliance with contractual, legal, and/or regulatory obligations. By providing us with your personal data, we may use it for the following purposes by virtue of your consent, which you may revoke at any time:
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These rights can be exercised through the attention channels indicated in question 3. Requests received based on these rights will be addressed in accordance with the exceptions contemplated in Law 81 of 2019. In order to provide greater security and prevent fraud, when exercising these rights you must comply with the security requirements of Formas Eficientes, S.A. and/or subsidiaries, as applicable, for verification and validation of your identity. As a personal data owner, you have 5 basic rights over your information:
Every personal data owner has the right to obtain their personal data stored or subject to processing in databases and to know the purpose and origin for which they were collected.
Every personal data owner has the right to request the correction of their personal data.
Every personal data owner has the right to request the deletion of their personal data.
Every personal data owner has the right to refuse to provide or revoke their consent for founded and legitimate reasons.
Every personal data owner has the right to obtain a copy of their personal data.
As a personal data owner, you have the following obligations:
Formas Eficientes, S.A. and/or subsidiaries may carry out the procedures they deem necessary to validate your information, adopting the due diligence measures that correspond and in accordance with the provisions of Law 81 of 2019 and the regulations that develop it.
Yes, you may request to stop receiving certain institutional and/or promotional communications. This can be done through the channels we maintain at your disposal (see question 3), however, there is information and communications related to contractual, regulatory matters and/or that by virtue of Law are mandatory for Formas Eficientes, S.A. and subsidiaries, and you cannot unsubscribe from these, meaning you must receive them to continue using certain products and/or services.
Formas Eficientes, S.A. and subsidiaries have the following security mechanisms, among others:
Our network is protected by firewalls that prevent unauthorized users from entering our network.
Our servers have the latest antivirus updates.
We have a patch update program that continuously checks for new vulnerabilities applicable to our environment. When a new update appears, we immediately proceed with proper testing and application.
Yes, at FESA and subsidiaries, your personal data is treated confidentially. To this end, we implement various measures to guarantee the security, protection, and prevention of alteration, loss, unauthorized access, or processing of your personal data.
Depending on the product or service you maintain with Formas Eficientes, S.A. and/or subsidiaries, the retention period of your personal data may vary. We will retain your personal data as long as the product and/or service you have contracted is active. In addition to this term, Formas Eficientes, S.A. and subsidiaries are obligated to maintain and retain this information in accordance with applicable law for each sector, their regulations, applicable agreements, as well as their future modifications, and acting in compliance with Law 81 of 2019 and its developing regulations.
Your personal data will only be transferred to third parties, such as providers, advisors, auditors, accountants, domiciled in Panama or other jurisdictions, under the following conditions:
You may verify and consult, at any time, the latest version of the Privacy Notice of Formas Eficientes, S.A. and subsidiaries, which will always be available on the website www.fesa.com.pa and/or on the sites of its subsidiaries (see question 3).
In Panama, the authority that regulates personal data protection at the national level is the National Authority for Transparency and Access to Information (ANTAI).
For inquiries you wish to make about your personal data, you can contact Formas Eficientes, S.A. and/or subsidiaries, as applicable, through the following channels: