Privacy policy

Protection of your privacy

We take processing of your personal data very seriously.

We comply with personal data legislation and ensure fair and transparent processing of personal data.

This privacy policy describes how we process your personal data.

Contact details

LoanScouter may be contacted via the following contact details:

Loanscouter.com
info@loanscouter.com
DK-37794392
Paludan-Müllers Vej 40 B
8200 Aarhus N
Denmark

LoanScouter will process the following personal data about you:

Name

Address

E-mail

IP address

Browser notification ID

Purpose of data processing

LoanScouter will process your personal data for the following purposes:

LoanScouter’s distribution by email, text message, browser push notifications or by post of newsletters concerning general conditions on the loan market, private economy and updated lists of loans with lenders which cooperate with LoanScouter, and which are recommended to me by LoanScouter.

LoanScouter’s processing of your personal data

We collect and store your personal data for specific purposes

We collect only relevant and necessary personal data

We obtain your consent before processing your personal data

We do not disclose your personal data without your consent

We delete your personal data when they are no longer necessary considering the purpose

For more information

We collect and store your personal data for specific purposes

LoanScouter will only collect, store and process personal data about you for the purposes mentioned above or for other lawful commercial purposes. We will only collect, store and process so-called general personal data as listed above.

We collect only relevant and necessary personal data

LoanScouter will only process personal data about you which are relevant, sufficient and necessary for achieving the purposes mentioned above and which the specific processing concerns. LoanScouter will thus not process any additional information than necessary for achieving the specific purpose. However, LoanScouter will also process your personal data to the extent necessary to ensure LoanScouter’s compliance with current legislation.

We will minimise the processing of your personal data as much as possible, including the volume of processed personal data. We will thus examine whether some of the data types processed may be used in depersonalised or pseudonymous form without affecting the result of the processing.

We obtain your consent before processing your personal data

LoanScouter will obtain your consent before processing your personal data for the purposes stated above. Your consent constitutes the basis of LoanScouter’s processing of your personal data, unless LoanScouter has another legal basis for processing your personal data.

Your consent is voluntary and you may withdraw it at any time, see further details further down.

If LoanScouter wishes to use your personal data for other purposes than the purposes for which they were originally collected, LoanScouter will inform you about the purpose and obtain your consent in advance. If the personal data may lawfully be processed on another basis, we will inform you accordingly before the processing takes place.

Persons under 18 years of age may not use LoanScouter’s services.

We do not disclose your personal data without consent

We will only disclose your personal data to cooperation partners/lenders, including for the purpose of marketing, if you have consented to this in advance. In connection with obtaining such consent, we will inform you about the purpose of the processing of your personal data. You may object to such disclosure at any time, and in such case we will not make such disclosure.

However, we will not obtain your consent if LoanScouter is obligated to disclose your information, e.g. to an authority.

In addition, LoanScouter reserves the right to use a processor outside the EU/EEA to help LoanScouter carry on its business. However, this will only take place in compliance with current rules on international transfer of personal data.

We verify and update your personal data

LoanScouter will verify that the personal data processed about you are not incorrect or not updated – and takes reasonable steps to ensure that incorrect personal data are deleted or rectified immediately. Our service depends on your personal data being correct and updated. We therefore ask you to indicate any relevant changes in your data. You can use your login for LoanScouter or the contact details above to notify relevant changes in your personal data.

We delete your personal data when they are no longer necessary considering the purpose

LoanScouter will delete your personal data when they are no longer necessary for achieving the purposes for which the data were collected, processed and stored.

If you have consented to LoanScouter sending emails, text messages and letters with marketing to you, LoanScouter will ask you to renew your consent to the marketing every 3 years if you have been inactive on your profile in that 3-year period. If you do not renew your consent, LoanScouter will delete your profile and inform you accordingly.

Correct and updated personal data

It is your responsibility to ensure that the data entered are correct and updated.

For more information

Your personal data are protected with us, and we have an internal data protection policy

LoanScouter has an internal data protection policy. It contains internal instructions and describes the measures taken by LoanScouter and which protect your personal data against accidental or unlawful destruction, loss or alteration, against unauthorised disclosure, and against unauthorised persons obtaining access to or knowledge of the said data.

LoanScouter has procedures for granting access rights, which imply that access will only be granted to employees for whom it is necessary to have access to your personal data to perform their duties. We make regular backups of our data sets to avoid data loss. We also protect the confidentiality and authenticity of the collected data by means of encryption.

In case of a security breach resulting in a high risk for your rights, including discrimination, ID theft, financial loss, loss of reputation or another significant disadvantage, LoanScouter will notify you about the security breach as quickly as possible.

Your rights:

You are entitled to have access to the personal data which LoanScouter processes about you.

You are entitled to have your data delivered in a readable form or transferred to another service provider.

You are entitled to rectification or deletion of inaccurate personal data.

You are entitled to withdraw your consent to LoanScouter’s processing of your personal data.

You are entitled to object to LoanScouter’s processing of your personal data

You are entitled to limit LoanScouter’s processing of your personal data.

You are entitled to complain to the Data Protection Agency.

For more information

Right to insight into personal data and data portability

You are entitled to have insight access into the personal data which LoanScouter processes about you. However, the access will be limited by the consideration for business secrets and/or intellectual property rights.

You are entitled to have the personal data provided to us forwarded in a structured, generally applied and machine-readable format, which you are entitled to transfer to another service provider.

If you wish to exercise the right to have insight or the right to data portability, please contact LoanScouter’s contact person above. We will process and respond to your inquiry as quickly as possible and within one month of having received your inquiry.

You are entitled to rectification or deletion of inaccurate personal data

If you believe that the data which LoanScouter processes about you are incorrect or inaccurate, you are entitled to have the data rectified or deleted.

If we agree with you that the data processed are incorrect or inaccurate, we will delete or rectify them as quickly as possible.

 

However, this will not take place if LoanScouter is legally obligated to store all or parts of your personal data, or if it is necessary to store the personal data in order for a legal claim to be established or defended. In that case, LoanScouter will only store the data, which LoanScouter is legally obligated or entitled to store and will delete all other personal data about you.

If you wish to exercise the right to rectify or delete data, you must contact LoanScouter’s contact person and tell us which data you believe are incorrect or which you wish to delete. We will process and respond to your inquiry as quickly as possible and within one month of having received your inquiry.

You are entitled to withdraw your consent to LoanScouter’s processing of your personal data

You are entitled to withdraw your consent to LoanScouter’s processing of your personal data wholly or partly.

If you withdraw your consent, LoanScouter will cease processing the personal data in respect of which you have withdrawn your consent, unless LoanScouter is legally obligated or entitled to store all or parts of your personal data. In that case, LoanScouter will only store the data, which LoanScouter is legally obligated to store and will delete all other personal data about you. The withdrawal of your consent will not affect the lawfulness of the processing made by LoanScouter until the withdrawal of your consent.

If you wish to exercise your right to withdraw your consent, you can contact LoanScouter via the contact details stated above. We will process and respond to your inquiry as quickly as possible and within one month of having received your inquiry.

You are entitled to object to LoanScouter’s processing of your personal data

You are entitled to object to LoanScouter’s processing of your personal data, including use of the data for marketing purposes. You may also object if you believe that your personal data are processed contrary to the current rules or the consent given to LoanScouter.

If you wish to object, you may use the contact details above to forward your objection to LoanScouter.

If your objection is legitimate, LoanScouter will cease processing your personal data. We will process and respond to your inquiry as quickly as possible and within one month of having received your inquiry.

You are entitled to limit LoanScouter’s processing of personal data

You are entitled to limit LoanScouter’s processing of your personal data in the following cases:

  • While LoanScouter is processing an objection you have made against the accuracy of the personal data processed by LoanScouter about you or against the legality of the processing. The limitation of the processing will apply until LoanScouter has finished considering your objection.
  • LoanScouter’s processing is illegal, but you do not request deletion of the data, but only that the use of the personal data is limited.

If you wish to exercise your right to limit the processing of personal data, you may use the contact details above to forward your objection to LoanScouter. We will process and respond to your inquiry as quickly as possible and within one month of having received your inquiry.