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Source: Creditreform Boniversum GmbH, Hammfelddamm 13, 41460 Neuss
Information on data protection under the EU GDPR
Our company regularly checks customers, including existing ones for creditworthiness whenever contracts are concluded and also in certain cases when there is a legitimate interest. We therefore collaborate with Creditreform Boniversum GmbH, Hammfelddamm 13, 41460 Neuss, Germany, which provides us with the relevant data. For this purpose, we send your name and contract details to the Creditreform Boniversum GmbH. The information on the data processing conducted by Creditreform Boniversum GmbH is based on the EU General Data Protection Regulation, article 14, which can be found here: https://gdpr-info.eu/art-14-gdpr/
Creditreform Boniversum GmbH is a consumer credit agency. It runs a database storing credit information about private individuals.
On this basis, Creditreform Boniversum GmbH provides its clients with information on the creditworthiness of their customers. Clients include, for instance, banks, leasing companies, insurance companies, telecommunications companies, receivables management companies, as well as shipping, wholesale and retail companies and other companies supplying goods and services. Acting within the parameters of the law, some of the data in the creditworthiness database is also supplied to other corporate databases, including databases for address trading purposes.
The database of Creditreform Boniversum GmbH stores primarily names, addresses, dates of birth, email addresses (if applicable), payment histories and ownership structures. The purpose of processing data stored in this way is to provide information about individuals on whom creditworthiness information is requested. The legal basis for such processing is EU GDPR article 6 (1f). Under this provision, information about such data may only be provided if a client can prove convincingly that he or she has a legitimate interest in obtaining the information. If data is sent to non-EU countries, this is done on the basis of so-called „standard contractual clauses“, which you can view under the following link:
https://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32001D0497&from=en%20
You can also request this information to be sent to you.
Data is stored for as long as knowledge of this data is required to realise the purpose of storage. Such knowledge is usually required for an initial storage period of three years. After the expiry of this period, a review is conducted whether storage continues to be necessary; otherwise the data is deleted on the precise expiry date. If the facts of a matter cease to be relevant, the data is erased on the precise date three years after cessation. Entries in the debtors’ list are deleted on the precise date three years after an official order for entry was presented, in compliance with the German Code of Civil Procedure (ZPO), section 882e.
The following are examples of legitimate interests within the meaning of the EU GDPR article 6 (1f): loan descisions, initiation of business, ownership structures, receivables, creditworthiness checks, insurance agreements, enforcement information.
You have a right to obtain information about the data stored by Creditreform Boniversum GmbH about yourself as a person. If this data is incorrect, you are entitled to rectification or erasure. If it is not possible to determine immediately whether the data is correct or incorrect, you are entitled to the blocking of the relevant data until your entitlement has been clarified. If your data is incomplete, you can demand it’s completion.
If you have given your consent for the processing of data stored by Creditreform Boniversum GmbH, you may revoke this consent at any time. Your revocation will not impact the legitimacy of any processing of your data that may have taken place on the basis of your consent prior to revocation.
If you have any objections, requests or complaints concerning data protection, you may contact the Data Protection Officer of Creditreform Boniversum GmbH at any time. He or she will assist you speedily and confidentially on all issues of data protection. Alternatively, you can lodge a complaint about Boniversum’s data processing with the State Data Protection Officer (Landesbeauftragte für Datenschutz) of the German federal state that is relevant to you.
Data stored about you by Creditreform Boniversum GmbH comes frome publicly accessible sources as well as from debt collection companies and their clients.
To determine your creditworthiness, Creditreform Boniversum GmbH assignes a score to your data. The data underlying this score includes your age, gender, address details and some of your payment experience data. The various data is weighted differently and forms part of the score calculations. Creditreform Boniversum GmbH clients use such scores to help them reach decisions about granting loans.
Right to object:
The processing of data stored by Creditreform Boniversum GmbH takes place on compelling legitimate grounds for the protection of creditors and loans, where processing regularly overrides their interests, rights and freedoms or where it serves the establishment, exercise or defense of legal claims. You can only object to Creditreform Boniversum GmbH about the processing of your data if you have grounds relating to your particular situation and if you can substantiate those reasons. If you object to the processing of your data for advertising and marketing purposes, then your data will no longer be processed for those purposes.
The entity with responsibility under the EU GDPR article 4 (7) is Creditreform Boniversum GmbH, Hammfelddamm 13, 41460 Neuss, Germany. Your contact point within their company is the Consumer Service, telephone: +49 (0) 2131 36845560, fax: +49 (0) 2131 36845570, email: selbstauskunft@boniversum.de .
The responsible Data Protection Officer can be contacted as follows: Creditreform Boniversum GmbH, Data Protection Officer, Hammfelddamm 13, 41460 Neuss, Germany.
Email: datenschutz@boniversum.de .
