Personal data

Euro Finans AB, Corp ID no. 556360-0674 (below ”Euro Finans”, ”we” or ”us”) is data controller for the personal data that we hold on you.

Euro Finans protects your personal data and your integrity. You should always feel secure when you provide your personal data to us. In this policy we explain why we collect data about you and how we process it. Please contact us if you have any questions about how we process your personal data.

We have put the security measures in place that are required to protect your personal data from unauthorised access and illegal processing and whatever else is required to comply with relevant legislation and our internal guidelines and procedures. We have a data protection officer who checks that we are in compliance with the rules and have a high level of data protection. Euro Finans’ employees also undergo regular training so that they are able to process your personal data securely and in accordance with applicable regulations.

Contact details

You are always welcome to contact us. Contact details for us and our data protection officer are set out below.

Euro Finans AB, Corp. ID no. 556360-0674
Postal address: Box 167, 221 00 Lund
Telephone number: +46 (0)46-312020

Euro Finans data protection officer
Postal address: Att: Dataskydd, Box 167, 221 00 Lund
Telephone number: +46 (0)46-312020
E-mail: dataskydd@eurofinans.se

What is personal data?

Personal data is all information that can be directly or indirectly assigned to a living natural person. A large amount of information can be classified as personal data as long as it is possible to attribute it to a natural person. Examples of typical personal data are name, personal identity number, address details and telephone number. The categories of personal data that we process within our operation include the following:

* Basic identification data (name and personal identity number as well as copy of Identification)

* Contact details (for example, address, telephone number and e-mail address)

* Details of economic situation (income and debts or other assets)

* Details of employment and business activities (directorships)

We often process personal identity number and Identification. This is because we have to be able ensure your identity. We come under the regulations for money laundering and financing of terrorism which place a far-reaching obligation on us to ensure the identity of our customers.

 

How do we gain access to personal data?

Personal data processed due to contractual relationship

Personal data that we have about you has been provided in connection with entering into an agreement with us or collected in connection with administering the customer relationship and utilising our services. We also collect personal data about you from external parties, for example from authorities, information providers and credit agencies.

We might collect credit information about you from a credit agency. The credit information about you is necessary so that we can administer the customer relationship. The basis for the processing is to fulfil the agreement or to institute measures at your request before the agreement is concluded. Credit information is regulated in the Credit Information Act. Once we have collected the information you are notified and you receive a copy of the information. If you have specific questions about the content of the credit information, you should contact the credit agency directly.

Personal data that is processed as a result of Euro Finans acquiring a receivable or for a debt collection demand

If we have acquired an invoice according to agreement with our customer or institute debt collection measures, we need information about who is to pay the invoice (the invoice debtor). If you are the invoice debtor, information is collected about you. If a company that you represent, and/or are contact for, is invoice debtor, information is primarily collected about the company, however, if you represent the company, personal data is also collected about you, for example so that we can be sure of who has the legal right to represent the invoice debtor or so that we can reach the invoice debtor’s representative.

Personal data that we have about you has been collected from the actual receivable that has been transferred to us, through contact with you and in connection with the invoice being administered. We also collect personal data about you from external parties, for example from information providers and credit agencies. If we have received a debt collection commission and act as collecting agent, data about you may also be provided by our client. We become controller for the data that is provided to us.

We may obtain a credit reference about you from a credit agency if you are the invoice debtor. The credit information is necessary so that we can administer the invoice or the demand. The basis for the processing is our legitimate interest in assessing the ability to pay.

Personal data that is processed for marketing purposes

Personal data that is processed for direct marketing is collected from external parties, usually from information providers. The personal data is processed solely in order to contact you as business proprietor or the legal entity that you represent.

Why do we process personal data about you?

Are you are a representative or contact for a company that has entered into an agreement with us regarding invoice purchase, or have you entered into an agreement with us as a business proprietor? Then you should read here.

We process personal data about you so that we can administer the agreement that the company for which you are representative has entered into with us and/or the agreement as sole proprietor you have entered into with us.

The personal data is required to enable Euro Finans to perform its tasks including:

* Implement agreed undertakings, for example acquire and administer invoices and contact representatives or contacts

* Assess the capacity of the person with whom we have entered into the agreement to fulfil agreed undertakings (including economic undertakings)

* Obtain credit references

* Administer creditor’s claims, settlements, contracts, payments as well as other transactions

* Check that correct contact details for the contracting party are available

* Observe statutory obligations as specified in legislation and decisions of courts or authorities

The purpose of the personal data processing (the legal basis) is to fulfil agreements and to meet statutory obligations and legitimate interests. Our legitimate interests are to be able to detect and prevent breach of contract and also to establish, exercise and defend legal claims.

Have you signed an agreement as guarantor? Then you should read here.

We process personal data about you so that we can administer the personal guarantee you have concluded.

The personal data is required to enable Euro Finans to perform its tasks including:

* Perform agreed undertakings and contact you

* Assess the capacity to fulfil the undertaking

* Obtain credit references

* Administer creditor’s claims, settlements and contracts, as well as payments

* Check that the contact details for the contracting party are correct

* Observe statutory obligations as specified in legislation and decisions of courts or authorities

The purpose of the personal data processing (the legal basis) is to fulfil agreements and meet statutory obligations and legitimate interests. Our legitimate interests are to be able to detect and prevent breach of contract and also to establish, exercise and defend legal claims.

Have you received an invoice from Euro Finans that you have to pay? Then you should read here.

When the company from which you purchased an item or a service has transferred its invoice, the invoice must be paid to us as we have taken over the right to payment. Many companies transfer their invoices to Euro Finans and we follow all the rules that apply in connection with invoice transfers. The party which transfers the invoice to us does not usually need to inform the customer about it in advance or have the transfer approved in advance.

We process personal data about you so that we can administer the invoice that has been transferred to us.

The personal data is required to enable Euro Finans to perform its tasks including:

* Assess the capacity to pay in accordance with the receivable

* Obtain credit references

* Administer creditor’s claims, settlements and contracts, as well as payments

* Check that contact details for the invoice debtor are correct and current

* Observe statutory obligations as specified in legislation and decisions of courts or authorities

The purpose of the personal data processing (the legal basis) is to fulfil agreements and meet statutory obligations and legitimate interests. Our legitimate interests are to obtain payment, be able to detect irregularities and prevent loss of rights, and also to to establish, exercise and defend legal claims.

Have you received a debt collection demand from us? Then you should read here.

When an invoice is not paid to us according to the terms set out in the invoice, we may send a debt collection demand. There are also companies which engage us directly for claims management (debt collection services). Euro Finans has a debt recovery permit and we comply with all the laws and rules that apply for dealing with claims.

We process personal data about you to be able to administer the debt collection demand.

The personal data is required so that Euro Finans can perform its tasks including:

* Assess the capacity to pay in accordance with the receivables

* Obtain credit references

* Administer creditor’s claims, settlements and contracts, as well as payments

* Check that contact details for the invoice debtor are correct and current

* Observe statutory obligations as specified in legislation and decisions of courts or authorities

The purpose of the personal data processing (the legal basis) is to fulfil agreements and to meet statutory obligations and legitimate interests. Our legitimate interests are to obtain payment, be able to detect irregularities and prevent loss of rights, and also to to establish, exercise and defend legal claims.

For debt collection matters, the purpose of the processing – besides the stated purpose – is to conduct the debt collection operation. Debt collection operations are regarded as a task of public interest as they have the aim of recovering receivables that are due and have to be paid. Debt collection claims are always processed in accordance with the specific legislation that applies in the field and good debt collection practice.

Have you been contacted by us by phone? Then you should read here.

We process personal data about you so that we can provide information about our services (marketing purposes). The personal data is needed to enable us to contact you as business proprietor or the legal entity that you represent.

Processing for marketing purposes is based on a balance of interests where Euro Finans’ legitimate interest is to market its existing or new services.

You can always contact us and advise that you do not want us to process your data for marketing purposes. We will then immediately stop using your data for the purpose and delete the information if there is no legal basis for processing.

Your rights as a registered person

Access to your personal data – register entry

You are entitled to receive confirmation of whether we process personal data that concerns you. If we process information about you, you are also entitled to have access to which personal data we process and information about the purpose for the processing – a register entry.

You can send your request for a register entry to dataskydd@eurofinans.se or to the following postal address: Euro Finans AB, Att: Dataskydd, Box 167, 221 00 Lund. When we have received your request, we will contact you to ensure your identity. We can only issue the personal data that we can check concerning you.

The register entry is then sent to an e-mail address that you have approved and verified, or to your national registration address.

Correction of incorrect data that we have about you

If you think that we are holding incorrect data about you, you are entitled to request that we correct it. You are also entitled to supplement personal data that you consider to be incomplete with respect to our purpose for the personal data processing.

Deletion of personal data

We never process your personal data for longer than is necessary and permissible.

You have the right to request that we delete your personal data and we are obliged to delete the information without delay in the following situations:

* When the personal data is no longer necessary for the purpose for which we collected and process it

* When the personal data processing is based solely on your consent and you withdraw that consent

* When you object to personal data processing that we have based on a balance of interests and we do not have mandatory legitimate reasons which carry more weight than your interest in relation to the processing

* When the personal data has been processed illegally

* When the personal data must be deleted so that we can fulfil a statutory obligation pertaining to us

* When the personal data is processed for direct marketing purposes and you object to the processing

We have to notify you that we may refuse your request for deletion if we have an obligation to keep the data according to binding legislation (statutory obligation). The obligation to save personal data is set out in legislation including that pertaining to accounting and money laundering.

We also have to notify you that we may refuse your request if the processing is necessary to enable us establish, exercise or defend legal claims.

Restriction on data processing

You are entitled to request that the processing of your personal data is restricted. If the processing is restricted, it means that – besides storing your personal data – we may only process the information about you if you have provided your consent or in order to establish, affirm or defend legal claims or in order to protect someone else’s rights.

Right to request restriction applies in the following situations:

* When you have contested that the personal data that we hold about you is correct, you can request that we restrict the personal data processing for the time we need to check whether the data is correct

* When the processing is illegal and you oppose the data being deleted and instead request a restriction on the use of personal data

* When we no longer need the personal data for the purposes for which we processed the data, but you need it in order to be able to establish, affirm or defend legal claims

* When you have objected to processing that we have based on our legitimate interest after a balance of interests, you can request that the processing be restricted during the period needed to check that our legitimate reason weighs more heavily than your legitimate reason

Objection

You are entitled to object to personal data processing that we base on a balance of interests. To enable us to subsequently continue to process your personal data, we have to demonstrate a binding legitimate reason for the processing that weighs more heavily than your interests, rights or freedoms. If we are not able to demonstrate this, we may only process the personal data in order to establish, exercise or defend legal claims.

You are entitled at all times to object to personal data processing that takes place for direct marketing. The right to object to personal data processing includes objection to analysis of personal data for direct marketing (profiling).

Data portability

You are entitled to obtain personal data that you have provided to us yourself in a structured format and you are entitled to transfer the information to another data controller if the personal data is processed after your consent or to fulfil an agreement concluded with us. The right to have the data transferred to another data controller applies when it is technically possible.

Complaints to the Data Inspection Board

If you consider that we have been deficient in our processing, you can submit a complaint to the Data Inspection Board. Here is a link to the Data Inspection Board’s website, www.datainspektionen.se

Storage and sorting of personal data

We never keep personal data for longer than is needed and/or is necessary to be able to fulfil the purposes for the processing. How long we store the personal data depends on the background to the personal data processing.

Personal data processed due to contractual relationship

If the personal data processing is based on you or a company that you represent entering into an agreement with us, the data is processed during the period that a contractual relationship is in place with us. Checks are made during the term of the agreement that the data is current and that the data that is no longer needed is deleted.

When the agreement is terminated, we only keep the data that we need in order to comply with statutory obligations (accounting and money laundering legislation), or to be able to establish, exercise or defend legal claims (balance of interests).  According to applicable legislation relating to measures against money laundering and financing of terrorism, we are obliged to store certain data for 5 and 10 years respectively. According to the Accounting Act, the storage obligation for us  is 7 years.

Personal data that is processed as a result of Euro Finans acquiring a receivable or for a debt collection demand

The personal data processing is based on the fact that you have a debt in relation to us or someone who we represent as a company as collecting agent. Checks are made during the period that the debt is valid that the data is current and that the data that is no longer needed is deleted. A debt relationship can generally be asserted for 3 years or 10 years and occasionally for longer periods if the period of limitation has been interrupted.

Once the demand has been paid or final settlement has been made, for example after specific agreement, we only keep the data that we need in order to comply with statutory obligations (accounting and money laundering legislation), or to be able to establish, exercise or defend legal claims (balance of interests)  According to applicable legislation relating to measures against money laundering and financing of terrorism, we are obliged to store certain data for 5 and 10 years respectively. According to the Accounting Act, the storage obligation for us  is 7 years.

Personal data that is processed for marketing purposes

Personal data that is processed for marketing purposes is deleted after the potential customer has been contacted if the customer has not shown any interest in our services or requested that the information be deleted.

If the potential customer has requested a customer visit or replied in the affirmative to receiving further information or marketing from us, the data is processed until such time as the customer stops showing interest in our services or requests that the data be deleted.

Data provided to outsiders

We engage outside companies for services that are necessary to enable us to offer our services and fulfil agreements, and we may thereby provide your data to outside companies that we engage. It might, for example, concern services that we use for electronic identification and signing, payment and banking solutions and IT solutions. Suppliers that process data on our behalf are called data processors and they may only process the data according to our instructions. We put measures in place to ensure that the data processors process the information securely and according to applicable regulations.

We may also provide your personal data to authorities in order to comply with binding legislation.

Transfer of personal data within the group

Personal data may be provided to companies which are part of the same group as Euro Finans. Transfer of personal data within the group always complies with Euro Finans’ personal data and integrity policy and applicable legislation.

Job applicants and notifications of interest

If you send a job application or a notification of interest, your application will be processed by the responsible person. If your application does not match any vacant position with us, you will be notified and your personal data will be deleted. If your profile matches a vacant position, you will be contacted and your personal data can then be processed until the recruitment process is completed. The purpose of the personal data processing is to recruit personnel.

Security

The IT system that we use for storage and processing has been checked to ensure that it meets the requirements for a secure storage location. All technical measures that are required to protect stored personal data against improper access and destruction have been instituted. The personal data processed within our operation is stored on servers in Sweden.

Provision of information and updates

The latest version of our integrity policy is always published on our website. If necessary, we might need to update our integrity policy. If the updates are of major significance for the processing of your personal data you will be informed.

 
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