VELA OBG S.R.L.

Societa' appartenente al Gruppo Bancario Banca Nazionale del Lavoro
S.p.A.


Iscritto all'Albo dei gruppi bancari presso la Banca d'Italia


Direzione e coordinamento ex art. 2497 e ss. Cod. Civ.: Banca
Nazionale del Lavoro S.p.A.

Sede legale: via V. Alfieri, 1 - 31015 Conegliano (TV), Italia
Capitale sociale: Euro 10.000,00 i.v.
Registro delle imprese: Treviso - Belluno 04514090267
Codice Fiscale: 04514090267

BANCA NAZIONALE DEL LAVORO S.P.A.

Iscritta al numero 1005 del registro delle banche tenuto presso la
Banca d'Italia ai sensi dell'articolo 13 del D.Lgs. numero 385 del 1°
settembre 1993


Soggetta ad attivita' di direzione e coordinamento da parte del socio
unico BNP Paribas S.A.

Sede legale: viale Altiero Spinelli, 30 - 00157 Roma, Italia
Capitale sociale: Euro 2.076.940.000,00 i.v.
Registro delle imprese: Roma 09339391006
Codice Fiscale: 09339391006

(GU Parte Seconda n.138 del 24-11-2020)

 
Avviso di cessione di crediti  pro  soluto  ai  sensi  del  combinato
disposto degli articoli 7-bis e 4 della Legge n. 130  del  30  aprile
1999 (la "Legge 130"), dell'articolo 58 del  D.Lgs.  n.  385  del  1°
settembre 1993 (il "Testo Unico Bancario") e degli artt. 13 e 14  del
Regolamento (UE) 679/2016 ("GDPR")  e  relativa  normativa  nazionale
                             applicabile 
 

  Vela OBG S.r.l., con sede legale  in  via  V.  Alfieri,  1,  31015,
Conegliano (TV)  (la  "Societa'")  comunica  che,  nel  contesto  del
programma di emissione di obbligazioni bancarie  garantite  istituito
dalla Banca Nazionale del Lavoro  S.p.A.,  con  sede  legale  in  Via
Altiero Spinelli, 30, 00157, Roma, Italia,  codice  fiscale,  partita
IVA e numero di iscrizione presso il registro delle imprese  di  Roma
09339391006 ("BNL") e menzionato nell'avviso di  cessione  pubblicato
nella Gazzetta Ufficiale della Repubblica Italiana, Parte  II  n.  82
del 14 luglio 2012 (l'"Avviso di Cessione"), in data 16 novembre 2020
ha acquistato  pro  soluto  da  BNL  tutti  i  crediti  ipotecari  (i
"Crediti")  che  alla  data  del  14  novembre  2020  (la  "Data   di
Valutazione") rispettavano (i) i criteri  comuni  elencati  al  punto
(A), numeri da 1 a 6 (incluso)  del  succitato  Avviso  di  Cessione,
relativi ai crediti ipotecari residenziali, e (ii) i  criteri  comuni
elencati al punto (A), numeri da  7  a  12  (incluso)  del  succitato
Avviso  di  Cessione,  relativi  ai  crediti  ipotecari  commerciali,
nonche' i seguenti criteri specifici: 
  derivano da mutui: 
  1. "in bonis", ed in relazione ai quali non sia stata comunicata al
debitore  la  classificazione  ad  "Inadempienze  Probabili"   o   in
"Sofferenza",  ne'  "in  corso  di  ristrutturazione"  in  base  alle
Istruzioni di vigilanza e alle altre norme regolamentari  emanate  da
Banca d'Italia; 
  2. che non presentino alcuna rata scaduta e non pagata; 
  3.  che  non  siano  stati  erogati   insieme   ad   altre   banche
finanziatrici (operazioni in pool); 
  4. che siano stati erogati in un'unica soluzione; 
  5. la cui scadenza cade successivamente al 31 dicembre 2020  ed  il
cui debito residuo sia almeno pari ad Euro 1.500,00 e non superiore a
Euro 1.900.000,00; 
  6. che non siano stati: 
  (a) stipulati a valere su convenzione  con  Sviluppo  Lazio  S.p.A.
(Legge regionale n. 26 del 28 dicembre 2007, art. 27); 
  (b) stipulati a valere su convenzione con Finpiemonte S.p.A. (Legge
regionale n. 34 del 22 novembre 2004 e Programma Operativo  Regionale
2007/2013); 
  (c) promossi dal Fondo Europeo degli Investimenti e  dalla  Regione
Sicilia, destinati a piccole e  medie  imprese  siciliane,  (D.  Lgs.
385/93, in conformita' con l'art. 44 del Regolamento CE n.  1083/2006
e il Regolamento della Commissione europea n. 1828/2006); 
  (d) stipulati a valere su convenzione con  Veneto  Sviluppo  S.p.A.
(Legge regionale n. 19 del 13  agosto  2004  e  L.R.  n.  2/2002,  n.
5/2001, n. 1/1999 e n. 33/2002); 
  (e) erogati con fondi della  Banca  Europea  per  gli  Investimenti
(BEI), ai sensi del D. Lgs. 385/1993 e del Trattato sul Funzionamento
dell'Unione Europea, articolo 309; 
  (f) erogati con fondi FINLOMBARDA/BEI "Credito Adesso"; 
  (g) assistiti da  garanzia  di  SACE  S.p.A.,  ai  sensi  del  DLGS
123/1998; 
  (h) assistiti da garanzia del Fondo Centrale  di  garanzia  (ultima
istanza dello Stato) ai sensi della l. 662/1996  art.  2  comma  100,
lett. a); 
  (i) erogati in favore di piccole e medie imprese  con  fondi  della
Cassa Depositi e Prestiti S.p.A., ai sensi  del  Decreto  Legislativo
numero 385 del 1°  settembre  1993  e  della  convenzione  tra  Cassa
Depositi e Prestiti S.p.A. e l'Associazione Bancaria  Italiana  (ABI)
del 1/03/2012; e 
  (j) erogati a favore delle piccole e medie imprese per programmi di
adeguamento alle normative di sicurezza e igiene del lavoro, ai sensi
del D. Lgs. 23 febbraio 2000, n. 38; 
  (k) concessi ai sensi  della  Convenzione  tra  l'Abi  e  la  Cassa
Depositi e Prestiti S.p.A. (plafond casa) del 20 novembre 2013; 
  (l) erogati in favore di piccole e medie  imprese  ai  sensi  della
convenzione denominata "Nuova Sabatini"; 
  7. che alla relativa data di erogazione  risultavano  garantiti  da
ipoteca  di  primo  grado  ovvero  ipoteca  di  grado  successivo   a
condizione che il credito garantito dall'ipoteca di grado  precedente
fosse estinto alla Data di Valutazione (inclusa); 
  8. per i quali il valore dell'ipoteca  iscritta  sia  superiore  ad
Euro 15.000,00  e  pari  ad  almeno  il  150%  del  relativo  importo
originariamente erogato per ciascun mutuo; 
  9. per i quali il valore peritale del bene immobile  costituito  in
garanzia sia almeno pari ad Euro 20.000,00 e  non  superiore  a  Euro
5.000.000,00; 
  10. erogati da BNL; 
  11. erogati tra il 1° gennaio 2010 e il 31  dicembre  2019,  per  i
quali sia gia' iniziato il rimborso del capitale, a soggetti che,  ai
sensi dei criteri di classificazione adottati  dalla  Banca  d'Italia
nella circolare n. 140 del 11 febbraio 1991,  come  modificata  il  7
agosto 1998, rientrano nei seguenti settori di  attivita'  economica:
n. 430, n. 480, n. 492, n. 600, n. 614, n. 615; 
  12. per i quali, laddove erogati a  soggetti  non  appartenenti  al
settore di attivita'  economica  n.  600  ("Famiglie  Consumatrici"),
l'importo dei crediti  in  essere  sommato  al  capitale  residuo  di
eventuali precedenti finanziamenti ipotecari  gravanti  sullo  stesso
bene immobile su cui grava l'ipoteca concessa a garanzia del relativo
credito non ecceda il 60% del valore del bene immobile alla  data  di
erogazione del relativo mutuo; 
  13. che: 
  (a) siano a tasso fisso e rata costante oppure a tasso fisso e rata
crescente; o 
  (b) siano a tasso variabile indicizzati al tasso Euribor a un mese,
o a tre mesi, o a sei mesi, o al tasso BCE, oppure a tasso  variabile
i primi 2 anni e tasso fisso i successivi; o 
  (c) presentino opzioni a favore del mutuatario o di BNL di  variare
le modalita' di indicizzazione; 
  14. con periodicita' di pagamento mensile o semestrale; 
  15. limitatamente ai mutui a tasso variabile e rata con  incrementi
prefissati ogni cinque anni,  mutui  con  periodicita'  di  pagamento
mensile; 
  16. per i quali non sia contrattualmente prevista la  rivalutazione
o l'indicizzazione del debito residuo ("crediti ipotecari a  capitale
rivalutabile"); 
  17. non frazionati; 
  18. che non beneficino di alcuna agevolazione e/o sussidio statale,
ministeriale, regionale, provinciale o di altro ente; 
  19. mutui che non siano stati in precedenza oggetto di  sospensione
a  seguito   dell'iniziativa   governativa   denominata   "Fondo   di
solidarieta' per i mutui per l'acquisto della prima casa" (cosiddetto
fondo Gasparrini); 
  20. mutui erogati da Banca Nazionale del Lavoro S.p.A.  tramite  il
canale "Hello bank!" (canale digitale del Gruppo BNP Paribas) a tasso
fisso e rata costante, a tasso fisso e rata crescente oppure a  tasso
variabile indicizzati al tasso Euribor a un mese e per  i  quali  non
sia stabilito contrattualmente un  tasso  nominale  annuo  massimo  a
carico del mutuatario (cd. "CAP"); 
  21. che non abbiano in corso  alcuna  attivita'  di  rinegoziazione
commerciale; e 
  22. che non siano identificati dai seguenti codici finanziamento: 
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000000000001608891;      000000000001609092;      000000000001609125;
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000000000001610154;      000000000001611096;      000000000001611855;
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000000000001612700;      000000000001612785;      000000000001613130;
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000000000001614547;      000000000001615032;      000000000001615094;
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000000000001615860;      000000000001616225;      000000000001616261;
000000000001616645 
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000000000001617545;      000000000001618129;      000000000001618245;
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000000000001619786;      000000000001619835;      000000000001619866;
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000000000001620968;      000000000001620974;      000000000001621088;
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000000000001628266 
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000000000001631122;      000000000001631557;      000000000001632314;
000000000001632469 
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000000000001634361;      000000000001635526;      000000000001635944;
000000000001636484 
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000000000001641922;      000000000001641924;      000000000001642905;
000000000001643996 
  000000000001644536; 000000000001645000; 000000000001645581; 
  La Societa' ha conferito incarico a BNL, ai sensi della Legge  130,
affinche' per suo conto, in qualita'  di  soggetto  incaricato  della
riscossione dei Crediti ceduti e dei servizi di cassa e di pagamento,
proceda  all'incasso  delle  somme  dovute.  Per  effetto  di  quanto
precede, i debitori ceduti ai sensi del presente avviso continueranno
a pagare a BNL ogni somma dovuta in relazione ai Crediti nelle  forme
previste dai relativi contratti di mutuo o in forza di legge e  dalle
eventuali ulteriori informazioni che potranno  essere  comunicate  ai
debitori ceduti ai sensi del presente avviso. 
  INFORMATIVA SULLA PROTEZIONE DEI DATI PERSONALI 
  La presente informativa, ai sensi della normativa nazionale  e  del
General Data Protection Regulation 679/2016 (art 13  e  14  GDPR)  in
tema  di  protezione  dei  dati  personali,   fornisce   informazioni
dettagliate sulla protezione dei tuoi dati  cosi'  come  trattati  da
Vela OBG S.r.l., in qualita' di Titolare del trattamento. 
  1. CHI SIAMO E COME CONTATTARCI 
  Vela OBG S.r.l., con sede in  Via  Vittorio  Alfieri  n.  1,  31015
Conegliano (TV), indirizzo di posta elettronica al quale scrivere per
l'esercizio dei diritti dell'interessato: 
  Vela_OBG@finint.com; velaobg@pec.spv-services.eu 
  Ai sensi dell'art. 38 GDPR Le forniamo, inoltre, i dati di contatto
del Responsabile  della  protezione  dei  dati  (DPO),  Mario  Mosca,
raggiungibile all'indirizzo e-mail: VelaOBG_DPO@finint.com 
  2. QUALI DEI TUOI DATI PERSONALI TRATTIAMO? 
  Trattiamo dati personali che ti  riguardano,  raccolti  da  BNL  in
qualita' di soggetto cedente il finanziamento a te  intestato  ovvero
direttamente da te e/o, in taluni casi puntualmente  descritti  nella
presente informativa, da  soggetti  terzi,  nella  misura  necessaria
all'adempimento dei nostri obblighi contrattuali nei tuoi  confronti,
al rispetto della disciplina vigente,  al  perseguimento  dei  nostri
legittimi  interessi  come  puntualmente  descritti  nella   presente
informativa. 
  I dati personali a te riferibili che  potremo  trattare  nel  corso
dello svolgimento del rapporto/erogazione del servizio, apparterranno
alle seguenti categorie: 
  • dati identificativi e anagrafici (e.g. nome,  cognome,  documento
d'identita' e numero di passaporto, nazionalita',  luogo  e  data  di
nascita, sesso, foto, indirizzo IP); 
  • informazioni di contatto (e.g. indirizzo di posta e indirizzo); 
  • situazione familiare (e.g. stato civile, numero di figli); 
  • dati fiscali: codice fiscale, partita iva; 
  • informazioni sull'istruzione e sull'occupazione (e.g. livello  di
istruzione, impiego, nome del datore di lavoro, retribuzione); 
  • dati necessari a combattere il sovraindebitamento; 
  • dati giudiziari. 
  Non chiediamo mai dati personali relativi alle tue origini razziali
o etniche, opinioni  politiche,  credenze  religiose  o  filosofiche,
appartenenza ad associazioni sindacali,  dati  genetici  o  dati  che
riguardano il tuo orientamento sessuale  a  meno  che  cio'  non  sia
richiesto da un obbligo legale. Resta inteso, che laddove  dovessimo,
tuttavia, trattare tali dati anche in  altre  ipotesi,  ti  forniremo
specifica informativa e acquisiremo tuo esplicito consenso. 
  I  dati  che  utilizziamo  su  di  te  potrebbero  essere   forniti
direttamente da te  o  ottenuti  dalle  seguenti  fonti  al  fine  di
verificare o arricchire i nostri data base: 
  • elenchi/database  resi  pubblici  da  autorita'  ufficiali  (e.g.
Gazzetta Ufficiale); 
  •  soggetti  terzi  quali  agenzie  di  credito,  agenzie  per   la
prevenzione delle frodi o intermediari di dati (c.d. "data  broker"),
in conformita' con la legislazione in materia di protezione dei dati; 
  • data base resi pubblicamente accessibili da parti terze. 
  3. PERCHE'  E  SU  QUALE  BASE  GIURIDICA  TRATTIAMO  I  TUOI  DATI
PERSONALI? 
  a) Per adempiere a obblighi di legge, regolamenti  e  ordini  delle
Autorita' 
  Trattiamo i tuoi dati personali per essere conformi a vari obblighi
legali e regolamentari: 
  - per adempiere a regolamenti  bancari  e  finanziari  in  base  ai
quali, in particolare: 
  • stabilire misure di sicurezza al fine di prevenire abusi e frodi; 
  • definire il tuo punteggio  di  credito  e  la  tua  capacita'  di
rimborso; 
  • monitorare e segnalare rischi che la societa' potrebbe sostenere; 
  • registrare, ove necessario, chiamate, chat e-mail; 
  - per rispondere a una richiesta ufficiale di un'autorita' pubblica
o giudiziaria nei casi previsti dalla legge; 
  - per prevenire  il  riciclaggio  di  denaro  e  finanziamento  del
terrorismo; 
  - per adempiere alla disciplina vigente in materia di  sanzioni  ed
embarghi; 
  - per contrastare la  frode  fiscale  e  adempiere  a  obblighi  di
controllo fiscale e di notifica. 
  b) Per eseguire un contratto di cui sei parte 
  Trattiamo i tuoi dati per stipulare ed eseguire i nostri contratti.
In particolare per: 
  - fornirti informazioni riguardo i nostri prodotti e servizi; 
  - recuperare eventuali crediti e,  piu'  in  generale  per  gestire
eventuali contenziosi che dovessero insorgere tra noi; 
  - fornirti assistenza e rispondere alle tue richieste; 
  c) Per soddisfare un legittimo interesse di Vela OBG S.r.l. 
  Trattiamo  i  tuoi  dati  personali  al  fine  di  implementare   e
sviluppare i nostri prodotti o  servizi,  per  migliorare  la  nostra
gestione del rischio e per difendere i nostri diritti, inclusi: 
  - avere prova dell'andamento del tuo rapporto; 
  - prevenzione di frodi; 
  -  gestione  IT,  inclusa  la  gestione  dell'infrastruttura  (e.g.
piattaforme condivise) e business continuity e sicurezza IT; 
  - elaborare modelli statistici individuali, per esempio al fine  di
aiutare a definire il tuo punteggio di rischio di credito; 
  - stabilire statistiche  aggregate,  test  e  modelli  al  fine  di
migliorare la gestione del rischio di Vela OBG S.r.l.  e  del  Gruppo
oppure al fine di migliorare i prodotti e servizi esistenti o crearne
di nuovi; 
  - condividere, in un'ottica di presidio a livello  di  Gruppo,  con
societa' del  Gruppo  BNL  e  Gruppo  BNP  Paribas,  anche  in  paesi
Extra-Ue, dati personali rilevanti per prevenire  il  riciclaggio  di
denaro, finanziamento del terrorismo, per adempiere  alla  disciplina
vigente in materia di sanzioni ed embarghi, per contrastare la  frode
fiscale e adempiere a obblighi di controllo fiscale e di notifica. 
  4. CON CHI CONDIVIDIAMO I TUOI DATI PERSONALI? 
  Esclusivamente  per  le  finalita'  connesse   all'esecuzione   del
contratto di finanziamento in essere con te,  potremmo  comunicare  i
tuoi  dati  personali  solamente  a  soggetti  terzi,  prestatori  di
servizi. 
  Tali soggetti tratteranno i tuoi dati in qualita'  di  Responsabili
del Trattamento, se effettuano il trattamento per conto di  Vela  OBG
S.r.l. ovvero in  qualita'  di  Titolari  autonomi  del  trattamento,
laddove il trattamento viene effettuato, ad esempio, con  sistemi  IT
gestiti in autonomia da tale soggetto. 
  In particolare,  i  dati  potranno  essere  comunicati  a  soggetti
appartenenti alle seguenti categorie: 
  1. ai revisori contabili e agli altri consulenti  e  prestatori  di
servizi legali, fiscali e amministrativi di Vela OBG  S.r.l.  per  la
consulenza da essi prestata in merito alla gestione di tale societa'; 
  2. ai soggetti incaricati di effettuare analisi dei crediti  ceduti
e/o di attribuire merito di credito ai titoli che sono  stati  emessi
per finanziare l'acquisto dei crediti medesimi; 
  3. ai soggetti incaricati  di  svolgere  servizi  amministrativi  e
contabili per conto di Vela OBG S.r.l.. 
  Con riferimento specifico a BNL, questa trattera' i  tuoi  dati  in
qualita' di responsabile del trattamento nell'ambito delle  attivita'
dalla stessa svolta di amministrazione e incasso delle  somme  dovute
in ragione del finanziamento a te intestato. I Dati  potranno  essere
comunicati, infine, alle  Autorita'  di  Vigilanza  e  ad  Organi  di
vigilanza  e  controllo  in  ottemperanza  ad  obblighi  di  legge  o
regolamentari 
  5. TRASFERIMENTO DEI  DATI  PERSONALI  AL  DI  FUORI  DELLO  SPAZIO
ECONOMICO EUROPEO 
  Nel caso di trasferimenti internazionali provenienti  dallo  Spazio
economico  europeo  (SEE),  in  cui   la   Commissione   europea   ha
riconosciuto a un paese non SEE un adeguato livello di protezione dei
dati, i dati personali saranno trasferiti su questa base. 
  Per i trasferimenti verso paesi non appartenenti  al  SEE,  il  cui
livello di protezione non e'  stato  riconosciuto  dalla  Commissione
europea, faremo affidamento su una deroga applicabile alla situazione
specifica (es. se il trasferimento  e'  necessario  per  eseguire  il
nostro contratto con  voi,  come  quando  si  effettua  un  pagamento
internazionale) o abbiamo implementato una delle seguenti  misure  di
salvaguardia per garantire la protezione dei dati personali, quali le
clausole contrattuali standard approvate dalla Commissione Europea. 
  Per ottenere una copia di queste norme di protezioni o dettagli  su
dove sono disponibili, e' possibile  inviare  una  richiesta  scritta
come indicato nella Sezione 7. 
  6. PER QUANTO TEMPO CONSERVIAMO I TUOI DATI PERSONALI? 
  Salvo  che  la   legge   non   imponga   specifiche   esigenze   di
conservazione, conserviamo i tuoi dati personali per l'intera  durata
del contratto e per un termine ulteriore pari a 15 anni  e  sei  mesi
dall'estinzione  del  rapporto  (in  considerazione  de  termini   di
prescrizione  dei  diritti  in  relazione  ai  quali  potremmo  avere
esigenza di difenderci o  delle  esigenze  di  conservazione  imposte
dalla normativa), se si tratta di dati necessari a dare esecuzione ai
contratti  tra  noi  in  essere  o  a  eseguire  operazioni   da   te
disposte/richieste o a soddisfare un nostro legittimo interesse. 
  7. QUALI SONO I TUOI DIRITTI E COME PUOI ESERCITARLI? 
  In conformita' alla disciplina vigente, in relazione ai trattamenti
di dati personali da noi posti in essere, hai i seguenti diritti: 
  -  accesso:  e'  possibile  ottenere   informazioni   relative   al
trattamento dei dati personali e una copia di tali dati personali; 
  - rettifica: se ritieni che i tuoi dati personali  siano  inesatti,
non aggiornati o incompleti, puoi richiedere che tali dati  personali
vengano corretti o integrati; 
  - cancellazione: e' possibile richiedere la cancellazione dei  tuoi
dati personali, se sussistono i motivi previsti dalla legge; 
  - limitazione: puoi richiedere la limitazione del  trattamento  dei
tuoi dati personali; 
  - opposizione: puoi opporti al trattamento dei tuoi dati  personali
svolto sulla base  di  un  nostro  legittimo  interesse,  per  motivi
relativi alla tua particolare situazione. Potrai,  inoltre,  opporti,
al  trattamento  dei  dati  personali  effettuato  per  finalita'  di
marketing diretto, compresa la profilazione nella misura in  cui  sia
connessa allo stesso; 
  - portabilita' dei dati: ove legalmente possibile, hai  il  diritto
di ricevere o di ottenere la trasmissione diretta ad  altro  titolare
(se tecnicamente possibile) dei dati personali da te forniti; 
  - revoca: potrai revocare il consenso prestato per  il  trattamento
dei tuoi dati personali in qualsiasi momento. 
  Per l'esercizio  dei  diritti  che  precedono  potrai  inviare  una
comunicazione scritta a: 
  Vela_OBG@finint.com; velaobg@pec.spv-services.eu 
  Oltre ai diritti di cui sopra, in base alla normativa  applicabile,
hai anche il diritto di presentare un reclamo all'Autorita' Garante. 
  Conegliano (TV), li' 16 novembre 2020 

              Vela OBG S.r.l. - Il consigliere delegato 
                           Cinzia Giannini 

 
TX20AAB11407
mef Istituto Poligrafico e Zecca dello Stato
Realizzazione Istituto Poligrafico e Zecca dello Stato S.p.A.