Information for data subjects in accordance with the EU General Data Protection Regulation

The Controller within the meaning of Art. 4(7) EU GDPR is 

Verband der Vereine Creditreform e.V.

Hellersbergstraße 12
D-41460 Neuss, Germany
Tel.: +49 2131 109-0
Fax: +49 2131 109-8000
creditreform@verband.creditreform.de  

Data Protection Officer

You can contact our Data Protection Officer at

Verband der Vereine Creditreform e.V.

Data Protection Officer
Tel.: +49 2131 109-0
Fax: +49 2131 109-8000
Email: Datenschutz@verband.creditreform.de 

The following information, in particular, is stored in our database: name, company name, address, marital status, professional activity and financial circumstances, any liabilities and notes on payment history. 

The data originates, in part, from publicly-accessible sources such as public registers, the internet, the press and other media and from the transfer of data concerning outstanding receivables.

The purpose of processing the data collected is the provision of information relating to the creditworthiness of the person/company inquired about, including other information relevant to the credit score, and use for direct advertising/marketing. The legal basis for processing is Art.6(1)(f) EU GDPR.

Information in relation to data stored by us may only be provided according to Art. 6(1)(f) EU GDPR, if a client provides credible evidence of a legitimate interest in knowledge of this information. To the extent that data is transferred outside the EU, this is carried out on the basis of a standard contractual clause, which you can view or have sent to you at the following link:

A legitimate interest in the above sense may be: Loan decision, initiation of a business transaction, shareholdings, debt, credit check, insurance contract, overdue receivables, information on enforcement.

Our clients include, in Germany and abroad, operative credit institutions, leasing companies, insurance companies, telecommunications companies, receivables management companies, shipping companies, wholesale companies and retail companies and other companies that provide or deliver goods or services against invoice. Within the scope of legal provisions, a proportion of the data in the business database is also supplied to other company databases, amongst other things, for the purpose of dialogue marketing and to update, validate and enhance address files and to manufacture corresponding data carriers.

Data is stored for as long as your knowledge is required for fulfilment of the storage purpose. Knowledge is, as a general rule, required for an initial storage period of three years. Upon expiry, a review is carried out as to whether storage is still required, otherwise the data will be deleted within 24 hours. Where the issue is concluded, the data will be deleted within 24 hours, three years after conclusion. Entries in debtor lists will be deleted within 24 hours, three years after the date that the entry was ordered, in accordance with § 882e Code of Civil Procedure. 

You have a right to information relating to the personal data we store about you. To the extent that the personal data stored in relation to you is inaccurate, you have an entitlement to correction or deletion. Where it cannot be immediately ascertained, whether the data is accurate or inaccurate, you have an entitlement to blocking of your data until clarification is obtained. If your data is incomplete, you have an entitlement to have the data completed.

To the extent that you have given your consent to processing of the data stored by us, you have the right to withdraw this consent at any time. Withdrawal shall not affect the lawfulness of processing of your data based on consent before any withdrawal.

You can make a complaint in relation to the data processing that we carry out to the state representative for data protection in your Federal State.

The transfer of your data to us is neither legally prescribed nor contractually prescribed nor required for contract conclusion. You are not obliged to provide the desired data to us. If you do not provide your data to us, this can make it more difficult or impossible for your lender or suppliers to assess your creditworthiness, which may result in their refusal of a loan or of advance performance by suppliers.

Right of objection

Processing of the data that we store is carried out for compelling legitimate grounds of creditor and credit protection, which regularly outweighs your interests, rights and freedoms, or serves the assertion, exercise or defence of legal claims. You may only object to processing of your data for reasons which result from your particular circumstances, and which must be demonstrated. Where such demonstrable reasons exist, your data will no longer be processed. If your data is processed for advertising and marketing purposes, you have the right to file an objection to this at any time. Your data will then no longer be used for this purpose.

© 2018 Verband der Vereine Creditreform e.V.

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