DATA PROTECTION
Information on data protection in accordance with the EU GDPR
Our company regularly checks your creditworthiness when concluding contracts and, in certain cases where there is a legitimate interest, also for existing customers. To do this, we work with Creditreform Boniversum GmbH, Hammfelddamm 13, 41460 Neuss, from whom we receive the data we need. On behalf of Creditreform Boniversum, we would like to inform you in advance of the following information in accordance with Art. 14 of the EU GDPR: Creditreform Boniversum GmbH is a consumer credit agency. It operates a database in which creditworthiness information on private individuals is stored. On this basis, Creditreform Boniversum provides creditworthiness information to its customers. Customers include, for example, credit institutions, leasing companies, insurance companies, telecommunications companies, debt collection companies, mail order, wholesale[1] and retail companies, as well as other companies that supply or provide goods or services. In accordance with legal regulations, some of the data in the information database is also used to supply other company databases, including for address trading purposes. The Creditreform Boniversum database stores information about the name, address, date of birth, email address if applicable, payment history and shareholdings of people. The purpose of processing the stored data is to provide information about the creditworthiness of the person being asked for. The legal basis for processing is Art. 6 Para. 1f EU GDPR. Information about this data may only be provided if a customer credibly demonstrates a legitimate interest in knowing this information. If data is transmitted to countries outside the EU, this is done on the basis of the so-called "standard contractual clauses", which you can view at the following link:
http://eur-lex.europa.eu/legal-content/DE/TXT/PDF/?uri=CELEX:32001D0497&from=DE
or have them sent to you from there.
The data is stored for as long as knowledge of it is necessary to fulfil the purpose of storage. Knowledge is usually necessary for an initial storage period of four years. After expiry, a check is carried out to determine whether storage is still necessary; otherwise, the data is deleted on the exact day. If a matter is settled, the data is deleted on the exact day three years after settlement. Entries in the debtor register are deleted on the exact day in accordance with Section 882e of the Code of Civil Procedure after three years have passed since the day the entry was ordered. Further details can be found in the “Code of Conduct for the Review and Deletion Periods of Personal Data by German Credit Reporting Agencies” drawn up by the association “Die Wirtschaftsauskunfteien e.V.”.
Legitimate interests within the meaning of Art. 6 (1f) EU GDPR can be: credit decision, business initiation, shareholdings, claims, credit checks, insurance contracts, enforcement information. You have the right to information from Creditreform Boniversum GmbH about the data stored about you. If the data stored about you is incorrect, you have the right to have it corrected or deleted. If it cannot be determined immediately whether the data is incorrect or correct, you have the right to have the respective data blocked until the matter has been clarified. If your data is incomplete, you can request that it be completed.
If you have given your consent to the processing of the data stored by Creditreform Boniversum, you have the right to revoke this consent at any time. The revocation does not affect the legality of the processing of your data based on your consent until any revocation. If you have any objections, requests or complaints regarding data protection, you can contact the data protection officer at Creditreform Boniversum at any time. They will help you quickly and confidentially with all questions about data protection. You can also complain about the processing of data by Boniversum to the state data protection officer responsible for your federal state. The data that Creditreform Boniversum has stored about you comes from publicly accessible sources, from debt collection companies and from their customers. In order to describe your creditworthiness, Creditreform Boniversum creates a score value for your data. The score value includes data on age and gender, address data and, in some cases, payment experience data. This data is included in the score calculation with different weightings. Creditreform Boniversum customers use the score values as an aid in making their own credit decisions.
Right of objection:
The processing of the data stored by Creditreform Boniversum is carried out for compelling legitimate reasons of creditor and credit protection, which regularly outweigh your interests, rights and freedoms, or serves to assert, exercise or defend legal claims. You can only object to Creditreform Boniversum processing your data if there are reasons that arise from a special situation that you are in and that must be proven. If such special reasons can be proven, the data will no longer be processed there. The responsible party within the meaning of Art. 4 No. 7 EU GDPR is Creditreform Boniversum GmbH, Hammfelddamm 13, 41460 Neuss. Your contact in our company is Consumer Ser[1]vice, Tel.: 02131 36845560, Fax: 02131 36845570, E-Mail: selbstauskunft@boniversum.de. You can reach our data protection officer using the following contact details: Creditreform Boniversum GmbH, Data Protection Officer, Hammfelddamm 13, 41460 Neuss,
E-Mail: datenschutz@boniversum.de