In the case of purchase on account or direct debit, we make advance payments, which is why we transfer data to the financial service provider Creditreform Boniversum GmbH in these cases to check the creditworthiness of the applicant. For the information of the applicant, we provide you with the following consumer information according to Article 13 of the General Data Protection Regulation of Creditreform Boniversum GmbH. This consumer information was made available to us by Creditreform Boniversum GmbH. Creditreform Boniversum GmbH is responsible for the following content.
For consumers: Information according to EU GDPR via Creditreform Boniversum GmbH
1. Name and contact details of the responsible body and the company data protection officer
Creditreform Boniversum GmbH, Hellersbergstr. 11, 41460 Neuss, Tel .: +49 2131 / 109-501. You can contact our data protection officer at the above address or by email at datenschutz@boniversum.de.
2. Data processing by Creditreform Boniversum GmbH
Purposes of data processing and legitimate interests pursued by Creditreform Boniversum GmbH or a third party. Creditreform Boniversum GmbH is a consumer information agency. It operates a database in which creditworthiness information about private individuals is stored. In particular, the Creditreform Boniversum database stores information about the name, address, date of birth, possibly the e-mail address, payment history and the ownership structure of persons. The purpose of processing the stored data is to provide information about the creditworthiness of the person requested. The legal basis for the processing is Art. 6 para. 1 point (f) EU GDPR. According to this, information about this data may only be given 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 find under the following link: http://eur-lex.europa.eu/legal-content/DE/TXT/PDF/? uri = CELEX: 32001D0497 & from = DE can be viewed or sent to you.
Legal basis for data processing
Creditreform Boniversum GmbH processes personal data on the basis of the provisions of the General Data Protection Regulation. The processing takes place on the basis of consent as well as on the basis of Art. 6 para. 1 point (f) GDPR, insofar as the processing is necessary to safeguard the legitimate interests of the controller or a third party and the interests or fundamental rights and freedoms of the data subject, which require the protection of personal data, do not outweigh the interests. Consents can be revoked at any time from the relevant contractual partner. This also applies to consents that were given before the GDPR came into force. The revocation of the consent does not affect the legality of the personal data processed up to the revocation. Legitimate interests within the meaning of Art. 6 para. 1 point (f) GDPR can be: credit decision, business initiation, ownership structure, claim, credit check, insurance contract, enforcement information.
Origin of the data
Creditreform Boniversum GmbH operates a database in which creditworthiness information about private individuals is stored. On this basis, Creditreform Boniversum GmbH issues credit information to its customers. Customers include, for example, credit institutions, leasing companies, insurance companies, telecommunications companies, receivables management companies, mail order, wholesale and retail companies, and other companies that supply or provide goods or services. The data that Creditreform Boniversum GmbH has stored about you comes from publicly accessible sources, from debt collection companies and their customers.
Categories of personal data that are processed
In the database of Creditreform Boniversum GmbH, information is stored in particular about the name, address, date of birth, possibly the e-mail address, payment history and the ownership structure of persons.
Categories of recipients of personal data
Recipients are exclusively contractual partners of Creditreform Boniversum GmbH. These are mainly mail order or e-commerce, telecommunications and insurance companies, energy supply and service companies, banks and financial service providers. Other recipients are clearing houses and lawyers.
Duration of data storage
The data will be stored for as long as knowledge is necessary to fulfill the purpose of the storage. The knowledge is usually necessary for an initial storage period of three years. After expiry, a check is made to determine whether storage is still necessary, otherwise the data will be deleted to the exact day. If an issue is dealt with, the data will be deleted to the day three years after it has been dealt with. Entries in the debtor register are deleted to the exact day after three years from the date of the entry order in accordance with § 882e of the German Code of Civil Procedure (ZPO – Zivilprozessordnung). Further details can be found in the “Rules of conduct for the review and erasure periods of personal data by the German credit agencies” (Verhaltensregeln für die Prüf- und Löschfristen von personenbezogenen Daten durch die deutschen Wirtschaftsauskunfteien) set up by the association “Die Wirtschaftsauskunfteien e.V.”.
3. Rights of data subjects / right to object
You have a right to information from Creditreform Boniversum GmbH about your personal data stored there. If the data stored about you is incorrect, you have the right to have it corrected or deleted. If it is not possible to determine immediately whether the data is incorrect or correct, you have the right to have the respective data blocked until clarification. 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 GmbH, 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 up to a possible revocation. If you have any objections, requests or complaints about data protection, you can contact the data protection officer at Creditreform Boniversum GmbH at any time. He will help you quickly and confidently in all questions of data protection. You can of course also complain about the processing of the data by Creditreform Boniversum GmbH to the data protection officer responsible for your federal state. The processing of the data stored at Creditreform Boniversum GmbH takes place for compelling reasons worthy of protection of the 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 the processing of your data by Creditreform Boniversum GmbH for reasons that arise from a particular situation that exists for you and that have to be proven. If such special reasons can be shown to exist, the data will no longer be processed there. Please direct any queries to our Consumer Service, Tel .: +49 2131/36845560, E-mail: Selbstauskunft@boniversum.de. You can also address an objection to data processing for reasons that arise from the particular situation of the data subject (Art. 21 para. 1 GDPR) to this point.
4. Profiling / scoring
In order to describe your creditworthiness, Creditreform Boniversum GmbH creates a score value for your data. Data on age and gender, address data and, in some cases, payment history data are included in the score. These data are weighted differently into the score calculation. Creditreform Boniversum customers use the scores as an aid when making their own credit decisions.