Privacy statement

Growth-Navigator Privacy Statement English

1. Introduction

Growth-Navigator is an online platform that automatically turns financial data into working capital insights and actionable recommendations. With Growth-Navigator you can receive: (a) daily access to your up-to-date cash flow via an interactive dashboard; (b) insights on automatically calculated key working capital metrics; (c) help to solve liquidity shortages by following-up on actionable and trackable recommendations.

If you visit our website or in any other way contact Growth-Navigator, we may process your personal data. By “processing” we mean everything we can do with this data such as collecting, recording, storing, adjusting, organising, using, disclosing, transferring or deleting that data.

This Privacy Statement aims to explain in a simple and transparent way what personal data we gather about you and how we process it.

As Growth-Navigator is a part of ING Bank N.V., please also refer to the ING Privacy Statement located at for further information about how ING processes data and your privacy rights and obligations.

2. The type of personal data we collect

Personal data refers to any information that tells us something about you and that we can link to you. If you contact us, we process personal data such as your full name, email address, and telephone number.

3. What we do with your personal data

We only use your personal data for legitimate business reasons.

This includes:

  • validating interest in the proposed goods and services to be offered by Growth-Navigator;

  • contacting you about Growth-Navigator and Growth-Navigator’s proposed initiatives; and

  • if necessary, to comply with our legal obligations.

4. Who we share your personal data with and why

We may disclose personal data to third parties like regulators if required to do so by law. When we use other service providers we only share personal data that is required for a particular assignment.

Service providers support us with activities like:

  • performing certain services and operations;

  • designing and maintenance of internet-based tools and applications; and

  • preparing reports and statistics, printing materials and designing products.

5. Cookies

We use cookies on our website for making the website function properly and analysing use of the website. With this information we can improve and further develop the website. We don’t use tracking cookies or similar technologies.

Growth-Navigator uses Google Analytics to perform statistical analyses about the way you use the services of Growth-Navigator. Google Analytics collects information on how you navigate, how much time you spend on our website, how long you visit a particular web page, from which website you came to our website, type of internet browser you use and the IP address of your mobile phone and/or

tablet, and websites you visit after visiting our web site. This information is collected and analysed to improve the user friendliness of our website and to improve our marketing activities.

A cookie is a small text file that is stored by your browser on your computer. On each subsequent visit to the website, the browser searches for cookies. If the browser finds cookies, it sends the information stored by the cookie to the website. The website downloads cookies on your computer, tablet or mobile phone which are strictly necessary for the functioning of the website, such as cookies that ensure that you can retrieve information on the website quickly, and cookies that are strictly necessary to provide a service which has explicitly been requested by you, such as a cookie that remembers your cookie settings. To download cookies that are not strictly necessary, such as cookies for gathering statistical information, Growth-Navigator needs your prior consent.

If you have adjusted your cookie settings so that websites are not permitted to place cookies on your computer, the Growth-Navigator website may not be able to download the cookie which remembers whether or not you consented to the placing of cookies. If so, you will be asked to indicate your cookie preferences each time you visit the website. If you do not wish to be asked about your cookie preferences each time you visit the website, you need to adjust your browser’s cookie settings.

6. Marketing

We will not use your personal data for third party marketing or third party promotional purposes

7. Data retention

We are only allowed to keep your personal data for as long as it’s still necessary for the purpose we initially required it. After this we look for feasible solutions, like archiving it.

8. Your rights

We respect your rights to determine how your personal information is used. These rights include:

  1. Right to access personal data: You have the right to ask us for an overview of your personal

    data that we process by sending an email to

  2. Right to rectify personal data: if your personal data is not correct, you can ask us to rectify your

    personal data by sending an email to

  3. Right to complain: Should you not be satisfied with the way we have responded to your

    concerns you have the right to submit a complaint to us. If you are still unhappy with our reaction to your complaint, you can escalate it to the ING Bank Data Protection Officer. You can also contact the data protection authority in your country.

Please refer to the ING Privacy Statement for a full overview of your rights and how to exercise them.

9. Changes

We may change our Privacy Statement and the Cookie Statement from time to time. The date of the last adjustment was 27 November 2018. Please check our Privacy Statement and Cookie Statement regularly for the latest version.

10. Regulatory information

Growth-Navigator is part of ING Bank N.V. (‘ING’). ING has its statutory seat in Amsterdam at Bijlmerplein 888, 1102 MG, The Netherlands, Trade Register number 33031431. ING is regulated and licensed by the De Nederlandsche Bank (‘DNB’) and the European Central Bank (‘ECB’) for payment services. ING is also regulated and licensed by the Autoriteit Financiële Markten (‘AFM’) and regulated by the Autoriteit Consument & Markt (‘ACM’). Information regarding supervision of ING can be obtained from DNB (, AFM ( or ACM (