Privacy Policy

Svensk Företagsfinansiering

This Privacy Policy explains how Svensk Företagsfinansiering ("We", "Us") processes your personal data in relation to in connection with our offering of business loans to legal entities.

1. Data controller

The legal entity responsible for the processing of your personal data is:

Svensk Företagsfinansiering
Company no. 42 32 89 44
Vesterbrogade 1E, 6., 1620 København V
Telefonnummer: +45 60 24 60 24
E-mail: info@agerasfinance.com

2. Description of the processing

Purpose	Categories of personal data	Source of the personal data	Legal basis for the processing	Recepients	Data retention
Entering into and administration of loan agreements with sole proprietorships and self-employed persons, including credit rating and guarantees We process your personal data in connection with entering into and administration of loan agreements with sole proprietorships and self-employed persons, and for credit assessments. In addition, we collect and process your personal data, including for credit assessments, if you are a guarantor under a loan agreement.	We process the following categories of personal data about you: Ordinary personal data Name, address, email, phone number Information about bank account Pay checks Annual statements/annual reports Bookkeeping data, including information about invoices, expenses, customer information and other information in bookkeeping material Documentation on expenses Credit information from relevant debtor registers	We collect your personal data from the following source(s): Directly from you Debtor/borrower Online sources, e.g. company registers, which are publicly available Tellow BV (bookkeeping data, if you are customer in Tellow) Public authorities, including Tax Authorities	We process your personal data on the following legal bases: Article 6.1.a (consent) Article 6.1.b (necessary for the performance of the contract, if you are a guarantor) Article 6.1.f (necessary for the pursuit of our legitimate interests in conducting credit assessments of debtors and guarantors. Our interest in processing the data overrides the the data subjects' interests in not having the data processed, as it is in the interest of us, debtors and guarantors to ensure that a loan, which the debtor is not able to pay back, is not granted. Finally, we process data for the pursuit of our legitimate interest in enforcing the guarantee against the guarantor)	We share your personal data with: Suppliers and vendors that We work with to assist our company (meaning service providers, technical support, supply services, and financial institutions) Group entities Public authorities	We will store personal data for as long as it is necessary for the purposes mentioned. In general, we store your personal data for up to 10 years after the latest payment on the loan, as the limitation period is 10 years for claims under money loans, cf. section 6.1 of the Danish Limitation Act. The personal data will then be deleted, unless otherwise provided in other legislation.
Entering into and administering loan agreements with companies in which you are the contact person or authorized to bind the company We process your personal data in connection with entering into and administration of loan agreements with companies in which you are the contact person or authorized to bind the company.	We process the following categories of personal data about you: Ordinary personal data Name, address, email, phone number	We collect your personal data from the following source(s): Directly from you Debtor/borrower Online sources, e.g. company registers, which are publicly available Public authorities, including Tax Authorities	We process your personal data on the following legal bases: Article 6.1.f (necessary for the pursuit of our legitimate interests in processing data on contact person and persons authorised to bind the company. Our interest in processing the data overrides the the data subjects' interests in not having the data processed, as it is necessary for us to know who we can contact from the company and whether a person is authorised to enter into the loan agreement on behalf of the company).	We share your personal data with: Suppliers and vendors that We work with to assist our company (meaning service providers, technical support, supply services, and financial institutions) Group entities Public authorities	We will store personal data for as long as it is necessary for the purposes mentioned. In general, we store your personal data for up to 10 years after the latest payment on the loan, as the limitation period is 10 years for claims under money loans, cf. section 6.1 of the Danish Limitation Act. The personal data will then be deleted, unless otherwise provided in other legislation.
Anti Money Laundering and know your customer-procedures (KYC) We process your personal data for compliance with the rules in the Anti Money Laundering Act, including the rules on know your customer procedures, reporting to the Danish Money Laundering Secretariat (SØIK), etc.	We process the following categories of personal data about you: Ordinary personal data Name, address, email, phone number National identification number Birth date Picture Special categories of personal data Personal data revealing political opinions, and religious or philosophical beliefs Personal data regarding criminal offences and convictions Violation of criminal law, including the Criminal Act	We collect your personal data from the following source(s): Directly from you Debtor/borrower Online sources, e.g. company registers, which are publicly available Public authorities	We process your personal data on the following legal bases: Article 6.1.c and article 9.2.g (necessary for our compliance with our legal obligations pursuant to the Anti Money Laundering Act for collecting and disclosing data on you for prevention of money laundering and terror financing) Section 8.3 - 8.5, of the Danish Data Protection Act regarding information on criminal offences and convictions	We share your personal data with: Suppliers and vendors that We work with to assist our company (meaning service providers, technical support, supply services, and financial institutions) Group entities Public authorities	We will store personal data for as long as it is necessary for the purposes mentioned. In general, we store your personal data for up to 5 years after termination of a business relationship or completion of a single transaction in accordance with section 30.2 of the Anti Money Laundering Act.
Collection and transfer of claims We process your personal data in relation to recovery of claims, including by debt collection, or by transfer (sale) of claims to debt collection agencies.	We process the following categories of personal data about you: Ordinary personal data Name, address, email, phone number Information about debt and breach of loan agreement	We collect your personal data from the following source(s): Directly from you Debtor/borrower	We process your personal data on the following legal bases: Article 6.1.f and article 9.2.f (necessary for the establishment, exercise or defence of legal claims) Article 6.1.f (necessary for the pursuit of our legitimate interest in disclosing data to debt collection agencies by recovery or sale of claims. Our interest in disclosing the data to debt collection agencies also overrides the data subject's interest in not having the data disclosed)	We share your personal data with: Suppliers and vendors that We work with to assist our company (meaning service providers, technical support, supply services, and financia institutions) Group entities Public authorities Debt collection agencies	We will store personal data for as long as it is necessary for the purposes mentioned. In general, we store your personal data for up to 10 years after the latest payment on the loan, as the limitation period is 10 years for claims under money loans, cf. section 6.1 of the Danish Limitation Act. The personal data will then be deleted, unless otherwise provided in other legislation.

3. Consequences of the processing

If you are the owner of a sole proprietorship, information about the company, including information about the company's finances, is considered personal data about you. You therefore have a number of rights regarding the processing of this information, see further below in section 4.

4. Your rights

You have the following rights:

You have the right to request access to, rectification or erasure of your personal data.
You also have the right to have the processing of your personal data restricted.
If processing of your personal information is based on your consent, you have the right to withdraw your consent at any time. Your withdrawal will not affect the lawfulness of the processing carried ou before you withdrew your consent. You may withdraw your consent by [insert modality].
You have the right to receive your personal information in a structured, commonly used and machine-readable format (data portability).
You may always lodge a complaint with a data protection supervisory authority, e.g. The Danish Data Protection Agency.

Furthermore, you have the right to object to processing of your personal data as follows.

If processing of your personal data is based on article 6(1)(e) or article 6(1)(f), see above regarding legal basis, you have the right to object, on grounds relating to your particular situation, at any time to the processing of your personal data.
Where your personal data are processed for direct marketing purposes, you have the right to object at any time to the processing of personal data about you for such marketing.

4.1

You can take steps to exercise your rights by sending an email to the email address mentioned in section 1.

There may be conditions or limitations on these rights. It is therefore not certain for example you have the right of data portability in the specific case - this depends on the specific circumstances of the processing activity.

Last updated: 11 August 2021