Automated credit assessment / scoring
If you wish to conclude a contract with us, we reserve the right to carry out exclusively automated processing of your personal data in order to check your creditworthiness. We are also entitled to make such an automated decision pursuant to Art. 22 (2) a DSGVO. Whether the contract can be concluded or not depends on the result of the automated credit check. In a credit check, statistical probabilities of a payment default are calculated. The creditworthiness information may include probability values (score values), which are calculated on the basis of scientifically recognized mathematical-statistical methods. A large number of characteristics, such as income, address data, occupation, marital status and previous payment behavior, are used to infer the customer’s future risk of non-payment. The result is expressed in the form of a payment score. The information obtained in this way forms the basis for our decision on whether to establish, implement or terminate a contractual relationship. If you believe that you have been wrongly excluded from the conclusion of a contract on the basis of the credit check, you are welcome to explain your point of view to us by e-mail. We will then review the automated decision in accordance with Article 22 (3) DSGVO in the specific individual case. In order to be able to carry out the credit assessment, we may store and process your personal data in accordance with Art. 6 Para. 1 lit. b DSGVO.
We transmit your data to the following provider(s) on the basis of the contract in progress in the cases listed below:
Creditreform Saarbrücken Dr. Uthoff KG:
Our company regularly checks your creditworthiness when concluding contracts and, in certain cases where there is a legitimate interest, also for existing customers. For this purpose, we cooperate with Creditreform Saarbrücken Dr. Uthoff KG, Karcherstr. 10, 66111 Saarbrücken, Germany (http://www.creditreform-saarbruecken.de), from whom we receive the data required for this purpose. On behalf of Creditreform Saarbrücken Dr. Uthoff KG we inform you in advance about the following information according to Art. 14 EU-DSGVO:
Creditreform Saarbrücken Dr. Uthoff KG is a consumer credit agency.
It operates a database in which creditworthiness information about private individuals is stored.
On this basis, Creditreform Saarbrücken Dr. Uthoff KG provides creditworthiness information to its customers. The clients 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 goods or services. Within the framework of the legal provisions, part of the data available in the information database is also used to supply other company databases, including use for address trading purposes.
In the Creditreform Saarbrücken Dr. Uthoff KG database, information is stored in particular about the name, address, date of birth, e-mail address (if applicable), payment history and shareholdings of individuals. The purpose of the processing of the stored data is to provide information about the creditworthiness of the requested person. The legal basis for the processing is Art. 6 para. 1f EU-DSGVO. Accordingly, information about this data may only be provided if a customer credibly demonstrates a legitimate interest in knowing this information. If data is transferred 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
or have them sent to you from there.
The data will be stored as long as their knowledge is necessary for the fulfillment of the purpose of storage. As a rule, knowledge is necessary for an initial storage period of three years. After expiration, a check is made to determine whether storage is still necessary; if not, the data is deleted on a day-by-day basis. If a case is settled, the data is deleted on a daily basis three years after settlement. Pursuant to Section 882e of the German Code of Civil Procedure (ZPO), entries in the debtors’ register are deleted on a daily basis after three years have elapsed since the date of the entry order.
Legitimate interests within the meaning of Art. 6 (1f) EU-DSGVO may be: credit decision, business initiation, shareholding, claim, credit assessment, insurance contract, enforcement information. You have the right to obtain information from Creditreform Saarbrücken Dr. Uthoff KG about the personal 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 a right to block the respective data until clarification. If your data is incomplete, you may request that it be completed.
If you have given your consent to the processing of data stored by Creditreform Saarbrücken Dr. Uthoff KG, you have the right to revoke this consent at any time. The revocation does not affect the lawfulness of the processing of your data carried out on the basis of your consent up to any revocation.
If you have any objections, requests or complaints regarding data protection, you can contact the data protection officer of Creditreform Saarbrücken Dr. Uthoff KG at any time. He or she will help you quickly and confidentially with all data protection issues. You can also complain about the processing of data by Creditreform Saarbrücken Dr. Uthoff KG to the state data protection officer responsible for your state.
The data that Creditreform Saarbrücken Dr. Uthoff KG has stored about you comes from publicly available sources, from debt collection companies and from their customers.
In order to describe your creditworthiness, Creditreform Saarbrücken Dr. Uthoff KG calculates a score value for your data. The score value includes data on age and gender, address data and, in some cases, payment experience data. These data are included in the score calculation with different weighting. Creditreform Saarbrücken Dr. Uthoff KG clients use the score values as an aid in making their own credit decisions.
Right of objection:
The processing of data stored by Creditreform Saarbrücken Dr. Uthoff KG is carried out for compelling reasons worthy of protection of creditors and credit protection, which regularly outweigh your interests, rights and freedoms, or serves the assertion, exercise or defense of legal claims. You can only object to the processing of your data for reasons that arise from a special situation that you have and that must be proven. If such special reasons can be proven, the data will no longer be processed. If you object to the processing of your data for advertising and marketing purposes, the data will no longer be processed for these purposes.
The responsible party within the meaning of Art. 4 No. 7 EU-DSGVO is Creditreform Saarbrücken Dr. Uthoff KG, Karcherstr. 10, 66111 Saarbrücken, Germany (http://www.creditreform-saarbruecken.de). You can reach Creditreform Saarbrücken Dr. Uthoff KG regarding all questions under the following contact data Tel.: +49 (0) 681 / 30 12 – 0, Fax: +49 (0) 681 / 30 12 – 60, E-Mail: info@saarbruecken.creditreform.de.
You can reach the responsible data protection officer under the following contact details: Creditreform Saarbrücken Dr. Uthoff KG, Data Protection Officer, Karcherstr. 10, 66111 Saarbrücken, Germany, http://www.creditreform-saarbruecken.de.
