Modelo de tratamiento de datos RGPDCredit scoring process
Por: Ludwig KarnethFinalidades (3)
La finalidad de un tratamiento es el objetivo principal del uso de los datos personales. Estos datos deben ser recopilados para un propósito bien determinado y legítimo y no deben ser tratados posteriormente de manera incompatible con este objetivo inicial.
Datos (7)
El artículo 30 del RGPD exige el registro de las categorías de datos tratados. Se trata aquí de definir las categorías de datos tratados. Estas pueden ser consideradas comunes o sensibles.
Economic and financial situation of credit applicants
Detalles de los datos
Reglas de conservación
Base activa:
Duration of the purpose when the credit application is accepted. If the application is rejected, the information is kept for a maximum of 6 months from the date the application was submitted. The data taken into account when applying the score to a credit application may also be stored in an indirectly nominative form in databases whose statistical purpose is to establish score models and check and maintain their quality
Data on the characteristics of the credit transaction
Detalles de los datos
Reglas de conservación
Base activa:
Duration of the purpose when the credit application is accepted. If the application is rejected, the information is kept for a maximum of 6 months from the date the application was submitted. The data taken into account when applying the score to a credit application may also be stored in an indirectly nominative form in databases whose statistical purpose is to establish score models and check and maintain their quality
Banking situation of credit applicants
Detalles de los datos
Reglas de conservación
Base activa:
Duration of the purpose when the credit application is accepted. If the application is rejected, the information is kept for a maximum of 6 months from the date the application was submitted. The data taken into account when applying the score to a credit application may also be stored in an indirectly nominative form in databases whose statistical purpose is to establish score models and check and maintain their quality
Information on other household members of credit applicants
Detalles de los datos
Definición
spouse, marital partner, child, parent, other dependent
Reglas de conservación
Base activa:
Duration of purpose when credit application is accepted. If the application is rejected, the information is kept for a maximum of 6 months from the date the application was submitted. The data taken into account when applying the score to a credit application may also be stored in an indirectly nominative form in databases whose statistical purpose is to establish score models and check and maintain their quality
Personal situation of credit applicants
Detalles de los datos
Definición
in the form of married life, friendships, family relationships, professional relationships
Definición
Owner, tenant, lodger, employer, first-time buyer
Definición
Single, married, cohabiting etc.
Reglas de conservación
Base activa:
Duration of the purpose when the credit application is accepted. If the application is rejected, the information is kept for a maximum of 6 months from the date the application was submitted. For credit applications transmitted online, cookies installed on the customer's computer are not retained after the applicant has been informed of the credit institution's final decision. Data taken into account when applying a score to a credit application may also be stored in an indirectly nominative form in databases whose statistical purpose is to establish score models and to check and maintain their quality
Guarantor information
Detalles de los datos
Definición
Owner, tenant, lodger, employer, first-time buyer
Definición
Single, married, cohabiting etc.
Reglas de conservación
Base activa:
Duration of the purpose when the credit application is accepted. If the application is rejected, the information is kept for a maximum of 6 months from the date the application was submitted. Data taken into account when applying a score to a credit application may also be stored in an indirectly nominative form in databases whose statistical purpose is to establish score models and check and maintain their quality
Score application result data
Detalles de los datos
Reglas de conservación
Base activa:
Duration of the purpose when the credit application is accepted. If the application is rejected, the information is kept for a maximum of 6 months from the date the application was submitted. The data taken into account when applying the score to a credit application may also be stored in an indirectly nominative form in databases whose statistical purpose is to establish score models and check and maintain their quality
Personas afectadas (2)
Una persona interesada es toda persona cuyos datos son recopilados, retenidos o tratados por el tratamiento de datos en cuestión. Ej: En el marco de un tratamiento de gestión de reclutamiento, cualquier candidato para el puesto en cuestión constituye una persona interesada.
- Customers
- Other
Attribution / Pas d'utilisation commerciale
CC-BY-NC
