We process the data necessary for the management of your account, e.g. your name, date of birth, address, telephone number and e-mail. This information is necessary in order to contact you and for a safe and correct identification.
We also store certain financial information about you in order to assess, among others, your ability to pay (in time), for risk analysis and risk management, make payment plans and for debt surveillance. Which financial data is concerned? Data with regards to your payment behavior, default details, credit history information, information on your debt, income, assets, credit, loans, payment history and credit rating.
Do you inform us about the reason (s) you were unable to pay? We also keep your reasons for non-payment, as it gives us a better understanding of your specific situation and to make a well informed decision on how to handle your case.
We store your data to ensure good debt collection practices e.g. through scoring activities, among others, based on historic information and performance and taping of phone conversations. We record conversations with the intention to train our employees and also to document your rights.
For the safety of our employees and to keep your personal data safeguarded, we also use video surveillance cameras in several locations. Unless we have legal obligations to keep the records, we will delete the recordings after a short period of time.
We have a legal obligation to provide your personal data when we are audited by the authorities and to prevent, monitor and evidence fraud, anti-money laundering and other criminal activities.
We provide access to or share your personal data with Credit Reference Agencies or approved third party suppliers.
The information we have on you may be anonymized and used for developing of our business. However, when necessary to secure your personal data and ensure appropriate test development of and changes in our IT system your personal data may be used as-is.